Bayshore Mortgage Funding in Pennsylvania vs the state
5.1%Denial rate-13.16 pts vs state
6.9%Decision denial rate-15.31 pts vs state
69.2%Origination rate+8.27 pts vs state
6.63%Median rate0.00 pts vs state
0.54Rate spread (pts)+0.30 pts vs state
$89kMedian applicant income
27Loans originated
2Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 36 | 15.0% | 7.13% | #450 |
| 2024 | 35 | 29 | 2.9% | 7.00% | #526 |
| 2025 | 39 | 27 | 5.1% | 6.63% | #512 |
What Bayshore Mortgage Funding lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Carbon County | 5 | 5 | 0 | 0.0% |
| York County | 5 | 4 | 1 | 20.0% |
| Berks County | 4 | 4 | 0 | 0.0% |
| Monroe County | 4 | 3 | 0 | 0.0% |
| Erie County | 2 | 2 | 0 | 0.0% |
| Luzerne County | 2 | 0 | 0 | 0.0% |
| Washington County | 2 | 1 | 0 | 0.0% |
| Westmoreland County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Cambria County | 1 | 0 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 39 applications in 2025, of which 27 were originated and 2 denied.
5.1% of all applications, or 6.9% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Bayshore Mortgage Funding originated in Pennsylvania in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology