Bayshore Mortgage Funding in North Carolina vs the state
7.3%Denial rate-10.74 pts vs state
8.8%Decision denial rate-14.00 pts vs state
75.6%Origination rate+17.80 pts vs state
6.50%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.27 pts vs state
$92kMedian applicant income
62Loans originated
6Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 37 | 10.6% | 7.13% | #340 |
| 2024 | 73 | 49 | 2.7% | 6.99% | #341 |
| 2025 | 82 | 62 | 7.3% | 6.50% | #345 |
What Bayshore Mortgage Funding lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 11 | 10 | 0 | 0.0% |
| Johnston County | 11 | 9 | 0 | 0.0% |
| Pitt County | 5 | 4 | 0 | 0.0% |
| Brunswick County | 5 | 2 | 1 | 20.0% |
| Gaston County | 4 | 4 | 0 | 0.0% |
| Durham County | 3 | 3 | 0 | 0.0% |
| Nash County | 3 | 0 | 3 | 100.0% |
| Columbus County | 3 | 3 | 0 | 0.0% |
| Moore County | 3 | 2 | 1 | 33.3% |
| Mecklenburg County | 3 | 2 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 82 applications in 2025, of which 62 were originated and 6 denied.
7.3% of all applications, or 8.8% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Bayshore Mortgage Funding originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology