Bayshore Mortgage Funding in Alabama vs the state
11.4%Denial rate-8.42 pts vs state
22.2%Decision denial rate-2.78 pts vs state
40.0%Origination rate-15.39 pts vs state
7.13%Median rate+0.63 pts vs state
1.09Rate spread (pts)+0.80 pts vs state
$60kMedian applicant income
14Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 26 | 16.9% | 7.19% | #247 |
| 2024 | 42 | 21 | 11.9% | 7.13% | #317 |
| 2025 | 35 | 14 | 11.4% | 7.13% | #346 |
What Bayshore Mortgage Funding lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calhoun County | 13 | 6 | 0 | 0.0% |
| Talladega County | 7 | 2 | 0 | 0.0% |
| Dallas County | 3 | 2 | 1 | 33.3% |
| Lee County | 3 | 0 | 1 | 33.3% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Montgomery County | 2 | 1 | 0 | 0.0% |
| Marengo County | 1 | 0 | 1 | 100.0% |
| Fayette County | 1 | 0 | 0 | 0.0% |
| DeKalb County | 1 | 0 | 0 | 0.0% |
| Randolph County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 35 applications in 2025, of which 14 were originated and 4 denied.
11.4% of all applications, or 22.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Bayshore Mortgage Funding originated in Alabama in 2025 was 7.13%, against a statewide median of 6.50%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology