Bayshore Mortgage Funding in Missouri vs the state
15.2%Denial rate+0.15 pts vs state
20.0%Decision denial rate+1.30 pts vs state
60.9%Origination rate-1.79 pts vs state
6.50%Median rate-0.13 pts vs state
0.54Rate spread (pts)+0.19 pts vs state
$83kMedian applicant income
28Loans originated
7Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 73 | 54 | 5.5% | 6.81% | #276 |
| 2024 | 49 | 33 | 8.2% | 7.13% | #333 |
| 2025 | 46 | 28 | 15.2% | 6.50% | #352 |
What Bayshore Mortgage Funding lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 17 | 12 | 1 | 5.9% |
| Jackson County | 9 | 3 | 2 | 22.2% |
| St. Francois County | 5 | 4 | 0 | 0.0% |
| St. Louis County | 3 | 2 | 1 | 33.3% |
| Clay County | 3 | 2 | 0 | 0.0% |
| Boone County | 2 | 0 | 1 | 50.0% |
| St. Charles County | 2 | 2 | 0 | 0.0% |
| Iron County | 2 | 2 | 0 | 0.0% |
| Camden County | 1 | 1 | 0 | 0.0% |
| Cass County | 1 | 0 | 1 | 100.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 46 applications in 2025, of which 28 were originated and 7 denied.
15.2% of all applications, or 20.0% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Bayshore Mortgage Funding originated in Missouri in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology