Bayshore Mortgage Funding in California vs the state
9.1%Denial rate-8.33 pts vs state
50.0%Decision denial rate+27.60 pts vs state
9.1%Origination rate-47.11 pts vs state
7.13%Median rate+0.50 pts vs state
1.03Rate spread (pts)+0.75 pts vs state
$475kMedian applicant income
1Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 2 | 45.5% | 6.44% | #719 |
| 2025 | 11 | 1 | 9.1% | 7.13% | #727 |
What Bayshore Mortgage Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Alameda County | 6 | 0 | 0 | 0.0% |
| Sacramento County | 1 | 0 | 0 | 0.0% |
| San Bernardino County | 1 | 0 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Monterey County | 1 | 0 | 1 | 100.0% |
| Santa Clara County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 11 applications in 2025, of which 1 were originated and 1 denied.
9.1% of all applications, or 50.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Bayshore Mortgage Funding originated in California in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology