Bayshore Mortgage Funding in Ohio vs the state
2.3%Denial rate-15.40 pts vs state
3.0%Decision denial rate-18.91 pts vs state
74.1%Origination rate+14.24 pts vs state
6.75%Median rate-0.13 pts vs state
0.51Rate spread (pts)+0.12 pts vs state
$88kMedian applicant income
324Loans originated
10Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 175 | 3.9% | 7.13% | #200 |
| 2024 | 409 | 303 | 2.7% | 6.75% | #140 |
| 2025 | 437 | 324 | 2.3% | 6.75% | #156 |
What Bayshore Mortgage Funding lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 75 | 58 | 0 | 0.0% |
| Franklin County | 55 | 48 | 0 | 0.0% |
| Butler County | 46 | 33 | 2 | 4.3% |
| Scioto County | 38 | 26 | 3 | 7.9% |
| Warren County | 31 | 24 | 0 | 0.0% |
| Clermont County | 25 | 21 | 1 | 4.0% |
| Cuyahoga County | 22 | 17 | 0 | 0.0% |
| Summit County | 19 | 15 | 0 | 0.0% |
| Montgomery County | 13 | 10 | 0 | 0.0% |
| Stark County | 12 | 9 | 1 | 8.3% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 437 applications in 2025, of which 324 were originated and 10 denied.
2.3% of all applications, or 3.0% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Bayshore Mortgage Funding originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology