Bayshore Mortgage Funding
We analyzed every closed loan from Bayshore Mortgage Funding — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Sound
3/5
Near-National · 22 mkts
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 57 basis points above market average
Explore another lender or local market
Report Card
Bayshore Mortgage Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+56.7 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 23 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 654 | 56.4% | +0.513%Above | $3,282Fees | ||||
FHA Loans | 352 | 30.3% | +0.836%Above | $3,881Fees | ||||
VA Loans | 96 | 8.3% | -0.122%Below | $4,001Fees | ||||
USDA Loans | — | 56 | 4.8% | +1.182%Above | $3,073Fees |
Conventional
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume654
Mix56.4%
Spread
+0.513%Above
Fees
$3,282Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume352
Mix30.3%
Spread
+0.836%Above
Fees
$3,881Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume96
Mix8.3%
Spread
-0.122%Below
Fees
$4,001Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughSound
Volume56
Mix4.8%
Spread
+1.182%Above
Fees
$3,073Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,024 | 88.3% | +0.615%Above | $3,528Fees | ||||
Refinance | 136 | 11.7% | +0.221%Above | $3,541Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,024
Mix88.3%
Spread
+0.615%Above
Fees
$3,528Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume136
Mix11.7%
Spread
+0.221%Above
Fees
$3,541Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,160
Applications
1,630
Volume
$352 million
Pricing & Closing
Avg Rate Spread
+0.567%
vs. market APOR
Avg Net Fees
$3,529
Origination − Credits
Pullthrough Rate
71.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$303,974
Avg Borrower Income
$129,464
Avg Property Value
$367,371
Geographic Coverage
Geographic Performance
Metro Areas
22
markets with activity
States Served
34
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
34Northeast5
CTMANJPARI
Midwest7
ILINKSMIMOOHWI
South16
ALARDCDEFLGAKYLAMDMSNCSCTNTXVAWV
West6
AZCOMTNMORWA
Top Metro Areas by Place Specialization Score
Volume 63Mix 5.43% of portfolio
90/100
Exceptional
Volume 279Mix 24.05% of portfolio
84/100
Exceptional
Volume 76Mix 6.55% of portfolio
64/100
Strong
Volume 52Mix 4.48% of portfolio
58/100
Sound
Volume 33Mix 2.84% of portfolio
56/100
Sound
Volume 37Mix 3.19% of portfolio
56/100
Sound
Volume 28Mix 2.41% of portfolio
49/100
Sound
Volume 23Mix 1.98% of portfolio
48/100
Sound
Volume 15Mix 1.29% of portfolio
47/100
Sound
Volume 16Mix 1.38% of portfolio
45/100
SoundShowing 10 of 22 metro areas
Top States by Place Specialization Score
1
OhioState
Volume 293Mix 25.26% of portfolio
72/100
Strong2
KentuckyState
Volume 109Mix 9.40% of portfolio
67/100
Strong3
MarylandState
Volume 115Mix 9.91% of portfolio
65/100
Strong4
FloridaState
Volume 144Mix 12.41% of portfolio
60/100
Strong5
OregonState
Volume 43Mix 3.71% of portfolio
56/100
Sound6
New JerseyState
Volume 49Mix 4.22% of portfolio
55/100
Sound7
KansasState
Volume 34Mix 2.93% of portfolio
55/100
Sound8
VirginiaState
Volume 35Mix 3.02% of portfolio
50/100
Sound9
North CarolinaState
Volume 39Mix 3.36% of portfolio
49/100
Sound10
DelawareState
Volume 21Mix 1.81% of portfolio
49/100
SoundShowing 10 of 18 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Bayshore Mortgage Funding?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.