Bayshore Mortgage Funding in Virginia vs the state
10.9%Denial rate-5.03 pts vs state
12.5%Decision denial rate-7.75 pts vs state
76.4%Origination rate+16.84 pts vs state
6.38%Median rate-0.25 pts vs state
0.38Rate spread (pts)+0.16 pts vs state
$125kMedian applicant income
42Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 22 | 9.4% | 6.88% | #419 |
| 2024 | 64 | 42 | 6.3% | 6.50% | #332 |
| 2025 | 55 | 42 | 10.9% | 6.38% | #364 |
What Bayshore Mortgage Funding lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 8 | 7 | 1 | 12.5% |
| Chesterfield County | 8 | 5 | 2 | 25.0% |
| Stafford County | 5 | 2 | 1 | 20.0% |
| Henrico County | 4 | 4 | 0 | 0.0% |
| Fairfax County | 4 | 3 | 0 | 0.0% |
| Prince William County | 4 | 2 | 1 | 25.0% |
| Mathews County | 2 | 1 | 1 | 50.0% |
| Alexandria city | 2 | 1 | 0 | 0.0% |
| Shenandoah County | 2 | 2 | 0 | 0.0% |
| Arlington County | 2 | 2 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 55 applications in 2025, of which 42 were originated and 6 denied.
10.9% of all applications, or 12.5% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Bayshore Mortgage Funding originated in Virginia in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Bayshore Mortgage Funding's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology