Bayshore Mortgage Funding in Oregon vs the state
3.0%Denial rate-12.30 pts vs state
4.0%Decision denial rate-15.16 pts vs state
72.2%Origination rate+11.56 pts vs state
6.75%Median rate0.00 pts vs state
0.70Rate spread (pts)+0.43 pts vs state
$96kMedian applicant income
96Loans originated
4Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 57 | 51 | 0.0% | 6.49% | #195 |
| 2025 | 133 | 96 | 3.0% | 6.75% | #150 |
What Bayshore Mortgage Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Umatilla County | 87 | 61 | 4 | 4.6% |
| Morrow County | 33 | 23 | 0 | 0.0% |
| Multnomah County | 4 | 4 | 0 | 0.0% |
| Gilliam County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 2 | 2 | 0 | 0.0% |
| Baker County | 1 | 1 | 0 | 0.0% |
| Columbia County | 1 | 1 | 0 | 0.0% |
| Clatsop County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 0 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 133 applications in 2025, of which 96 were originated and 4 denied.
3.0% of all applications, or 4.0% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Bayshore Mortgage Funding originated in Oregon in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology