Bayshore Mortgage Funding in Michigan vs the state
8.0%Denial rate-10.52 pts vs state
9.1%Decision denial rate-13.49 pts vs state
80.0%Origination rate+20.11 pts vs state
6.88%Median rate+0.13 pts vs state
0.59Rate spread (pts)+0.20 pts vs state
$100kMedian applicant income
20Loans originated
2Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 6 | 9.1% | 7.06% | #490 |
| 2024 | 11 | 8 | 0.0% | 7.13% | #491 |
| 2025 | 25 | 20 | 8.0% | 6.88% | #407 |
What Bayshore Mortgage Funding lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ingham County | 6 | 5 | 1 | 16.7% |
| Midland County | 2 | 1 | 0 | 0.0% |
| Wayne County | 2 | 2 | 0 | 0.0% |
| Bay County | 2 | 2 | 0 | 0.0% |
| Mason County | 2 | 2 | 0 | 0.0% |
| Grand Traverse County | 1 | 0 | 1 | 100.0% |
| Arenac County | 1 | 0 | 0 | 0.0% |
| Clinton County | 1 | 1 | 0 | 0.0% |
| Ontonagon County | 1 | 1 | 0 | 0.0% |
| Clare County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 25 applications in 2025, of which 20 were originated and 2 denied.
8.0% of all applications, or 9.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Bayshore Mortgage Funding originated in Michigan in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology