Bayshore Mortgage Funding in Maryland vs the state
3.4%Denial rate-15.39 pts vs state
4.1%Decision denial rate-19.99 pts vs state
78.4%Origination rate+22.70 pts vs state
6.69%Median rate+0.06 pts vs state
0.69Rate spread (pts)+0.45 pts vs state
$106kMedian applicant income
138Loans originated
6Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 134 | 95 | 5.2% | 6.88% | #177 |
| 2024 | 174 | 119 | 9.8% | 6.75% | #166 |
| 2025 | 176 | 138 | 3.4% | 6.69% | #174 |
What Bayshore Mortgage Funding lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anne Arundel County | 30 | 22 | 1 | 3.3% |
| Prince George's County | 26 | 21 | 0 | 0.0% |
| Baltimore County | 19 | 14 | 0 | 0.0% |
| Charles County | 15 | 13 | 0 | 0.0% |
| Baltimore city | 15 | 11 | 2 | 13.3% |
| Harford County | 14 | 14 | 0 | 0.0% |
| Montgomery County | 11 | 11 | 0 | 0.0% |
| Frederick County | 9 | 5 | 1 | 11.1% |
| Dorchester County | 6 | 3 | 1 | 16.7% |
| Queen Anne's County | 5 | 5 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 176 applications in 2025, of which 138 were originated and 6 denied.
3.4% of all applications, or 4.1% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Bayshore Mortgage Funding originated in Maryland in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology