Bayshore Mortgage Funding in Georgia vs the state
7.1%Denial rate-12.08 pts vs state
12.5%Decision denial rate-12.57 pts vs state
50.0%Origination rate-4.09 pts vs state
6.75%Median rate+0.13 pts vs state
0.94Rate spread (pts)+0.67 pts vs state
$154kMedian applicant income
21Loans originated
3Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 45 | 13.6% | 7.50% | #354 |
| 2024 | 67 | 38 | 14.9% | 7.13% | #394 |
| 2025 | 42 | 21 | 7.1% | 6.75% | #465 |
What Bayshore Mortgage Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 7 | 4 | 0 | 0.0% |
| Fannin County | 5 | 4 | 0 | 0.0% |
| DeKalb County | 4 | 1 | 1 | 25.0% |
| Douglas County | 3 | 1 | 0 | 0.0% |
| Gilmer County | 3 | 1 | 0 | 0.0% |
| Henry County | 2 | 1 | 0 | 0.0% |
| Chatham County | 1 | 1 | 0 | 0.0% |
| Dawson County | 1 | 0 | 0 | 0.0% |
| Newton County | 1 | 0 | 1 | 100.0% |
| Polk County | 1 | 0 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 42 applications in 2025, of which 21 were originated and 3 denied.
7.1% of all applications, or 12.5% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Bayshore Mortgage Funding originated in Georgia in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology