Bayshore Mortgage Funding in New Jersey vs the state
4.4%Denial rate-13.30 pts vs state
6.3%Decision denial rate-16.72 pts vs state
62.3%Origination rate+6.60 pts vs state
6.88%Median rate+0.13 pts vs state
0.44Rate spread (pts)+0.16 pts vs state
$155kMedian applicant income
71Loans originated
5Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 30 | 16.1% | 6.88% | #323 |
| 2024 | 98 | 58 | 8.2% | 6.99% | #258 |
| 2025 | 114 | 71 | 4.4% | 6.88% | #253 |
What Bayshore Mortgage Funding lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 39 | 23 | 1 | 2.6% |
| Union County | 12 | 7 | 1 | 8.3% |
| Monmouth County | 11 | 8 | 0 | 0.0% |
| Morris County | 11 | 10 | 0 | 0.0% |
| Bergen County | 9 | 6 | 0 | 0.0% |
| Middlesex County | 8 | 5 | 1 | 12.5% |
| Ocean County | 8 | 5 | 0 | 0.0% |
| Camden County | 3 | 1 | 2 | 66.7% |
| Warren County | 2 | 0 | 0 | 0.0% |
| Sussex County | 2 | 2 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 114 applications in 2025, of which 71 were originated and 5 denied.
4.4% of all applications, or 6.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Bayshore Mortgage Funding originated in New Jersey 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 New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology