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
Promptness
Not enough data
—/5
No quote responses measured yet
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
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
654 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
FHA
352 loans · 0.84% above market
Strong
Top 40% of lenders
4/5
VA
96 loans · 0.12% below market
Strong
Top 40% of lenders
4/5
USDA
56 loans · 1.18% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
1,024 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
Refinance
136 loans · 0.22% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 23 markets
Sound
Top 60% of lenders
3/5
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
34Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast5
CTMANJPARI
Midwest7
ILINKSMIMOOHWI
South16
ALARDCDEFLGAKYLAMDMSNCSCTNTXVAWV
West6
AZCOMTNMORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 22 metro areas
Top States by Place Specialization Score
Showing 10 of 18 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
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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.