# BAYSHORE MORTGAGE FUNDING, LLC

> **Canonical URL:** https://saferate.com/lenders/bayshore-mortgage-funding


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BAYSHORE MORTGAGE FUNDING, LLC is a independent mortgage company, headquartered in BALTIMORE, MD, serving borrowers across 34 states, with 1,160 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 80% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300PEWJWBNEOSS013
- **Headquarters:** BALTIMORE, MD
- **Geographic Reach:** Near-National
- **States Served:** 34
- **State List:** AL, AR, AZ, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, MT, NC, NJ, NM, OH, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 23
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 95.8%
- **Brokered/Wholesale:** 4.2%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 20/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.567%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,529
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,160
- **Dollar Volume:** $353 million
- **Applications Received:** 1,630
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $303,974
- **Average Borrower Income:** $129,464
- **Average Property Value:** $367,371

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 67/100 | 654 | +0.513% | $3,282 | Strong 😀 |
| FHA | 76/100 | 352 | +0.836% | $3,881 | Strong 😀 |
| VA | 70/100 | 96 | -0.122% | $4,001 | Strong 😀 |
| USDA | 81/100 | 56 | +1.182% | $3,073 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 580 loans, Score: 67/100 (Strong)
- Refinance: 74 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 307 loans, Score: 76/100 (Strong)
- Refinance: 45 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 80 loans, Score: 70/100 (Strong)

**USDA:**
- Purchase: 56 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 1,024 | $309M | +0.615% | Strong 😀 |
| Refinance | 55/100 | 136 | $44M | +0.221% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 293 | 0.22% | 72/100 |
| FL | 144 | 0.05% | 60/100 |
| MD | 115 | 0.16% | 65/100 |
| KY | 109 | 0.23% | 67/100 |
| NJ | 49 | 0.06% | 55/100 |
| OR | 43 | 0.10% | 56/100 |
| NC | 39 | 0.03% | 49/100 |
| VA | 35 | 0.03% | 50/100 |
| KS | 34 | 0.11% | 55/100 |
| MO | 31 | 0.04% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cincinnati, OH |  | 279 | 84/100 |
| Non |  | 164 | 58/100 |
| Baltimore | MD | 76 | 64/100 |
| Sebastian | FL | 63 | 90/100 |
| Kansas City, MO | MO-KS | 52 | 58/100 |
| Columbus, OH | OH | 37 | 56/100 |
| Newark, NJ | NJ | 33 | 56/100 |
| Chicago | IL | 28 | 49/100 |
| Arlington | VA-WV | 23 | 48/100 |
| Raleigh | NC | 16 | 45/100 |
| Indianapolis | IN | 15 | 44/100 |
| Port St. Lucie, FL | FL | 15 | 47/100 |
| Washington, DC | DC-MD | 13 | 43/100 |
| Frederick | MD | 12 | 43/100 |
| Ocala, FL | FL | 12 | 44/100 |

## Where This Lender Ranks

BAYSHORE MORTGAGE FUNDING, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Sebastian Mortgage Companies
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Huntington for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#7** in Huntington for USDA Loans
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/usda-loans)
- 🏆 **#8** in Sebastian
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders)
- 🏆 **#10** in Sebastian for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in Sebastian for VA Loans
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/va-loans)
- 🏆 **#12** in Sebastian for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Sebastian for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Ohio for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ohio/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#18** in Sebastian for FHA Loans
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Cincinnati, OH Mortgage Companies
  - [View Full Rankings](https://saferate.com/cincinnati-oh/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in Kentucky for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies/usda-loans)

## Frequently Asked Questions

### What loan types does BAYSHORE MORTGAGE FUNDING, LLC offer?

BAYSHORE MORTGAGE FUNDING, LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BAYSHORE MORTGAGE FUNDING, LLC offer mortgages?

BAYSHORE MORTGAGE FUNDING, LLC offers mortgages in 34 states: AL, AR, AZ, CO, CT, DC, DE, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, MT, NC, NJ, NM, OH, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV.

### How competitive are BAYSHORE MORTGAGE FUNDING, LLC's mortgage rates?

BAYSHORE MORTGAGE FUNDING, LLC has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.567% above market average.

### What type of lender is BAYSHORE MORTGAGE FUNDING, LLC?

BAYSHORE MORTGAGE FUNDING, LLC is a non-depository lender that specializes in mortgage origination, headquartered in BALTIMORE, MD.

### What is BAYSHORE MORTGAGE FUNDING, LLC's loan approval success rate?

BAYSHORE MORTGAGE FUNDING, LLC has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bayshore-mortgage-funding

### How to Cite

> "BAYSHORE MORTGAGE FUNDING, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bayshore-mortgage-funding

---

**[View Interactive Profile →](https://saferate.com/lenders/bayshore-mortgage-funding)**