Bayshore Mortgage Funding Mortgage Lending & HMDA Data, 2025

In 2025, Bayshore Mortgage Funding of Timonium, MD reported 1,864 mortgage applications totaling $553.7 million, down 2% from 2024. The average application was for $297,027, and applicants reported an average income of $127,177. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Cincinnati, OH-KY-IN (194), Columbus, OH (88) and Baltimore-Columbia-Towson, MD (85) (applications in parentheses).

Mortgage Company & Address Bayshore Mortgage Funding
1920 Greenspring Drive, Suite 140
Timonium, MD 21093
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 1,864
Total Mortgage Loan Application Amount $553,660,000
Average Mortgage Loan Application Amount $297,027
Highest Mortgage Loan Application Amount $2,495,000
Average Applicant Income $127,177
Highest Applicant Income $3,688,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bayshore Mortgage Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bayshore Mortgage Funding by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Umatilla, Oregon 91 $ 23,035,000 $ 253,131 $ 102,000
Hamilton, Ohio 76 $ 18,930,000 $ 249,078 $ 108,000
Franklin, Ohio 57 $ 15,425,000 $ 270,614 $ 164,000
Butler, Ohio 46 $ 12,850,000 $ 279,347 $ 117,000
Marion, Florida 43 $ 10,045,000 $ 233,604 $ 88,000
Indian River, Florida 42 $ 15,260,000 $ 363,333 $ 148,000
Essex, New Jersey 39 $ 19,575,000 $ 501,923 $ 266,000
Scioto, Ohio 38 $ 5,900,000 $ 155,263 $ 81,000
Leon, Florida 36 $ 9,540,000 $ 265,000 $ 116,000
Morrow, Oregon 34 $ 8,310,000 $ 244,411 $ 103,000
Sussex, Delaware 33 $ 8,605,000 $ 260,757 $ 112,000
Warren, Ohio 31 $ 10,135,000 $ 326,935 $ 128,000
Anne Arundel, Maryland 30 $ 11,710,000 $ 390,333 $ 113,000
Prince George's, Maryland 26 $ 12,120,000 $ 466,153 $ 173,000
Clermont, Ohio 26 $ 8,060,000 $ 310,000 $ 131,000
Greenup, Kentucky 23 $ 3,805,000 $ 165,434 $ 84,000
Cuyahoga, Ohio 22 $ 4,640,000 $ 210,909 $ 85,000
Hidalgo, Texas 22 $ 3,920,000 $ 178,181 $ 89,000
Summit, Ohio 20 $ 4,470,000 $ 223,500 $ 102,000
Brevard, Florida 19 $ 6,035,000 $ 317,631 $ 117,000
Baltimore, Maryland 19 $ 5,135,000 $ 270,263 $ 137,000
Jefferson, Missouri 18 $ 3,880,000 $ 215,555 $ 94,000
Horry, South Carolina 17 $ 5,105,000 $ 300,294 $ 142,000
Baltimore City, Maryland 15 $ 3,915,000 $ 261,000 $ 86,000
Charles, Maryland 15 $ 5,795,000 $ 386,333 $ 121,000
Broward, Florida 14 $ 6,290,000 $ 449,285 $ 205,000
Cook, Illinois 14 $ 4,590,000 $ 327,857 $ 115,000
Harford, Maryland 14 $ 5,870,000 $ 419,285 $ 148,000
Calhoun, Alabama 13 $ 1,715,000 $ 131,923 $ 55,000
Maricopa, Arizona 13 $ 5,195,000 $ 399,615 $ 141,000
Kent, Delaware 13 $ 4,285,000 $ 329,615 $ 98,000
Montgomery, Ohio 13 $ 2,995,000 $ 230,384 $ 136,000
Johnson, Indiana 12 $ 3,520,000 $ 293,333 $ 119,000
Union, New Jersey 12 $ 4,820,000 $ 401,666 $ 117,000
Wake, North Carolina 12 $ 3,540,000 $ 295,000 $ 415,000
Stark, Ohio 12 $ 2,100,000 $ 175,000 $ 75,000
Lee, Florida 11 $ 3,445,000 $ 313,181 $ 154,000
Montgomery, Maryland 11 $ 5,805,000 $ 527,727 $ 204,000
Monmouth, New Jersey 11 $ 7,255,000 $ 659,545 $ 338,000
Morris, New Jersey 11 $ 6,025,000 $ 547,727 $ 254,000
Johnston, North Carolina 11 $ 3,475,000 $ 315,909 $ 103,000
Richland, Ohio 10 $ 2,250,000 $ 225,000 $ 101,000
Frederick, Maryland 9 $ 3,695,000 $ 410,555 $ 125,000
Jackson, Missouri 9 $ 1,935,000 $ 215,000 $ 65,000
Bergen, New Jersey 9 $ 5,715,000 $ 635,000 $ 230,000
Ocean, New Jersey 9 $ 2,395,000 $ 266,111 $ 123,000
Delaware, Ohio 9 $ 3,665,000 $ 407,222 $ 163,000
Fairfield, Ohio 9 $ 2,705,000 $ 300,555 $ 105,000
Gadsden, Florida 8 $ 1,960,000 $ 245,000 $ 88,000
St. Lucie, Florida 8 $ 3,060,000 $ 382,500 $ 302,000
Wyandotte, Kansas 8 $ 1,870,000 $ 233,750 $ 79,000
Middlesex, New Jersey 8 $ 3,330,000 $ 416,250 $ 150,000
Luna, New Mexico 8 $ 1,360,000 $ 170,000 $ 67,000
Chesterfield, Virginia 8 $ 3,560,000 $ 445,000 $ 89,000
Loudoun, Virginia 8 $ 4,730,000 $ 591,250 $ 170,000
Talladega, Alabama 7 $ 705,000 $ 100,714 $ 48,000
Wakulla, Florida 7 $ 1,955,000 $ 279,285 $ 120,000
Forsyth, Georgia 7 $ 3,265,000 $ 466,428 $ 160,000
Campbell, Kentucky 7 $ 1,805,000 $ 257,857 $ 109,000
Franklin, Louisiana 7 $ 865,000 $ 123,571 $ 61,000
Benton, Arkansas 6 $ 1,550,000 $ 258,333 $ 78,000
Alameda, California 6 $ 2,800,000 $ 466,666 $ 477,000
Shelby, Indiana 6 $ 1,240,000 $ 206,666 $ 91,000
Dorchester, Maryland 6 $ 1,700,000 $ 283,333 $ 79,000
Ingham, Michigan 6 $ 1,870,000 $ 311,666 $ 111,000
Clark, Ohio 6 $ 790,000 $ 131,666 $ 98,000
Harris, Texas 6 $ 2,220,000 $ 370,000 $ 181,000
Charlotte, Florida 5 $ 1,195,000 $ 239,000 $ 96,000
Duval, Florida 5 $ 3,095,000 $ 619,000 $ 326,000
Fannin, Georgia 5 $ 3,475,000 $ 695,000 $ 243,000
Kenton, Kentucky 5 $ 1,215,000 $ 243,000 $ 127,000
Queen Anne's, Maryland 5 $ 1,855,000 $ 371,000 $ 137,000
Washington, Maryland 5 $ 1,585,000 $ 317,000 $ 81,000
St. Francois, Missouri 5 $ 1,205,000 $ 241,000 $ 88,000
Brunswick, North Carolina 5 $ 2,415,000 $ 483,000 $ 175,000
Pitt, North Carolina 5 $ 1,555,000 $ 311,000 $ 107,000
Lawrence, Ohio 5 $ 875,000 $ 175,000 $ 78,000
Licking, Ohio 5 $ 1,655,000 $ 331,000 $ 119,000
Berks, Pennsylvania 5 $ 1,605,000 $ 321,000 $ 155,000
Carbon, Pennsylvania 5 $ 1,085,000 $ 217,000 $ 139,000
York, Pennsylvania 5 $ 1,455,000 $ 291,000 $ 92,000
Calhoun, South Carolina 5 $ 945,000 $ 189,000 $ 23,000
Prince William, Virginia 5 $ 2,695,000 $ 539,000 $ 151,000
Stafford, Virginia 5 $ 2,735,000 $ 547,000 $ 126,000
Faulkner, Arkansas 4 $ 990,000 $ 247,500 $ 79,000
Highlands, Florida 4 $ 1,200,000 $ 300,000 $ 162,000
Sarasota, Florida 4 $ 1,420,000 $ 355,000 $ 161,000
DeKalb, Georgia 4 $ 1,140,000 $ 285,000 $ 93,000
Will, Illinois 4 $ 1,520,000 $ 380,000 $ 140,000
Brown, Indiana 4 $ 1,230,000 $ 307,500 $ 119,000
Jackson, Indiana 4 $ 650,000 $ 162,500 $ 65,000
Marion, Indiana 4 $ 770,000 $ 192,500 $ 61,000
Morgan, Indiana 4 $ 970,000 $ 242,500 $ 67,000
Johnson, Kansas 4 $ 1,070,000 $ 267,500 $ 106,000
Caroline, Maryland 4 $ 730,000 $ 182,500 $ 71,000
Dona Ana, New Mexico 4 $ 720,000 $ 180,000 $ 97,000
Gaston, North Carolina 4 $ 980,000 $ 245,000 $ 56,000
Mecklenburg, North Carolina 4 $ 1,880,000 $ 470,000 $ 170,000
Greene, Ohio 4 $ 950,000 $ 237,500 $ 64,000
Marion, Ohio 4 $ 640,000 $ 160,000 $ 51,000
Union, Ohio 4 $ 1,490,000 $ 372,500 $ 121,000
Multnomah, Oregon 4 $ 2,030,000 $ 507,500 $ 139,000
Monroe, Pennsylvania 4 $ 940,000 $ 235,000 $ 150,000
Montgomery, Tennessee 4 $ 1,230,000 $ 307,500 $ 122,000
Fairfax, Virginia 4 $ 2,010,000 $ 502,500 $ 196,000
Henrico, Virginia 4 $ 1,110,000 $ 277,500 $ 134,000
Dallas, Alabama 3 $ 245,000 $ 81,666 $ 37,000
Lee, Alabama 3 $ 1,535,000 $ 511,666 $ 127,000
Washington, Arkansas 3 $ 825,000 $ 275,000 $ 63,000
White, Arkansas 3 $ 345,000 $ 115,000 $ 100,000
District of Columbia, District Of Columbia 3 $ 955,000 $ 318,333 $ 145,000
Escambia, Florida 3 $ 405,000 $ 135,000 $ 64,000
Jefferson, Florida 3 $ 785,000 $ 261,666 $ 93,000
Levy, Florida 3 $ 645,000 $ 215,000 $ 89,000
Manatee, Florida 3 $ 965,000 $ 321,666 $ 137,000
Palm Beach, Florida 3 $ 1,435,000 $ 478,333 $ 175,000
Pasco, Florida 3 $ 1,265,000 $ 421,666 $ 101,000
Douglas, Georgia 3 $ 1,055,000 $ 351,666 $ 129,000
Gilmer, Georgia 3 $ 1,485,000 $ 495,000 $ 304,000
DuPage, Illinois 3 $ 955,000 $ 318,333 $ 86,000
Lake, Illinois 3 $ 1,395,000 $ 465,000 $ 408,000
Calvert, Maryland 3 $ 2,065,000 $ 688,333 $ 209,000
Talbot, Maryland 3 $ 745,000 $ 248,333 $ 64,000
Worcester, Massachusetts 3 $ 1,015,000 $ 338,333 $ 142,000
Clay, Missouri 3 $ 595,000 $ 198,333 $ 138,000
St. Louis, Missouri 3 $ 625,000 $ 208,333 $ 88,000
Camden, New Jersey 3 $ 855,000 $ 285,000 $ 94,000
Cabarrus, North Carolina 3 $ 885,000 $ 295,000 $ 70,000
Columbus, North Carolina 3 $ 655,000 $ 218,333 $ 90,000
Durham, North Carolina 3 $ 975,000 $ 325,000 $ 136,000
Moore, North Carolina 3 $ 1,325,000 $ 441,666 $ 284,000
Nash, North Carolina 3 $ 305,000 $ 101,666 $ 54,000
Rutherford, North Carolina 3 $ 525,000 $ 175,000 $ 109,000
Union, North Carolina 3 $ 915,000 $ 305,000 $ 83,000
Wayne, North Carolina 3 $ 205,000 $ 68,333 $ 31,000
Adams, Ohio 3 $ 825,000 $ 275,000 $ 146,000
Clinton, Ohio 3 $ 845,000 $ 281,666 $ 95,000
Fayette, Ohio 3 $ 725,000 $ 241,666 $ 62,000
Lake, Ohio 3 $ 445,000 $ 148,333 $ 73,000
Lorain, Ohio 3 $ 635,000 $ 211,666 $ 87,000
Lucas, Ohio 3 $ 435,000 $ 145,000 $ 148,000
Muskingum, Ohio 3 $ 635,000 $ 211,666 $ 60,000
Tuscarawas, Ohio 3 $ 305,000 $ 101,666 $ 50,000
Anderson, South Carolina 3 $ 1,235,000 $ 411,666 $ 174,000
Sevier, Tennessee 3 $ 915,000 $ 305,000 $ 36,000
Jim Hogg, Texas 3 $ 495,000 $ 165,000 $ 97,000
Tarrant, Texas 3 $ 1,145,000 $ 381,666 $ 263,000
Jefferson, Alabama 2 $ 580,000 $ 290,000 $ 130,000
Montgomery, Alabama 2 $ 280,000 $ 140,000 $ 73,000
Pinal, Arizona 2 $ 480,000 $ 240,000 $ 45,000
Chicot, Arkansas 2 $ 90,000 $ 45,000 $ 35,000
Van Buren, Arkansas 2 $ 140,000 $ 70,000 $ 35,000
Santa Clara, California 2 $ 1,140,000 $ 570,000 $ 212,000
Bay, Florida 2 $ 580,000 $ 290,000 $ 101,000
Hillsborough, Florida 2 $ 670,000 $ 335,000 $ 177,000
Lake, Florida 2 $ 540,000 $ 270,000 $ 99,000
Madison, Florida 2 $ 290,000 $ 145,000 $ 61,000
Monroe, Florida 2 $ 1,070,000 $ 535,000 $ 178,000
Pinellas, Florida 2 $ 600,000 $ 300,000 $ 67,000
St. Johns, Florida 2 $ 700,000 $ 350,000 $ 137,000
Henry, Georgia 2 $ 640,000 $ 320,000 $ 137,000
Decatur, Indiana 2 $ 470,000 $ 235,000 $ 101,000
Howard, Indiana 2 $ 660,000 $ 330,000 $ 162,000
Jefferson, Indiana 2 $ 180,000 $ 90,000 $ 83,000
Union, Indiana 2 $ 590,000 $ 295,000 $ 93,000
Jefferson, Kentucky 2 $ 630,000 $ 315,000 $ 136,000
Lewis, Kentucky 2 $ 320,000 $ 160,000 $ 82,000
Logan, Kentucky 2 $ 400,000 $ 200,000 $ 80,000
Whitley, Kentucky 2 $ 420,000 $ 210,000 $ 64,000
Ouachita, Louisiana 2 $ 400,000 $ 200,000 $ 88,000
Carroll, Maryland 2 $ 420,000 $ 210,000 $ 66,000
Cecil, Maryland 2 $ 540,000 $ 270,000 $ 87,000
Wicomico, Maryland 2 $ 600,000 $ 300,000 $ 112,000
Bay, Michigan 2 $ 230,000 $ 115,000 $ 48,000
Mason, Michigan 2 $ 270,000 $ 135,000 $ 55,000
Midland, Michigan 2 $ 560,000 $ 280,000 $ 207,000
Wayne, Michigan 2 $ 340,000 $ 170,000 $ 70,000
Boone, Missouri 2 $ 410,000 $ 205,000 $ 0
Iron, Missouri 2 $ 650,000 $ 325,000 $ 90,000
St. Charles, Missouri 2 $ 730,000 $ 365,000 $ 104,000
Burlington, New Jersey 2 $ 830,000 $ 415,000 $ 149,000
Hunterdon, New Jersey 2 $ 830,000 $ 415,000 $ 247,000
Somerset, New Jersey 2 $ 960,000 $ 480,000 $ 193,000
Sussex, New Jersey 2 $ 790,000 $ 395,000 $ 150,000
Warren, New Jersey 2 $ 570,000 $ 285,000 $ 96,000
Cherokee, North Carolina 2 $ 530,000 $ 265,000 $ 78,000
Cleveland, North Carolina 2 $ 460,000 $ 230,000 $ 71,000
Edgecombe, North Carolina 2 $ 370,000 $ 185,000 $ 158,000
Guilford, North Carolina 2 $ 800,000 $ 400,000 $ 57,000
Robeson, North Carolina 2 $ 550,000 $ 275,000 $ 172,000
Columbiana, Ohio 2 $ 280,000 $ 140,000 $ 59,000
Mahoning, Ohio 2 $ 160,000 $ 80,000 $ 101,000
Miami, Ohio 2 $ 710,000 $ 355,000 $ 80,000
Pickaway, Ohio 2 $ 570,000 $ 285,000 $ 100,000
Gilliam, Oregon 2 $ 510,000 $ 255,000 $ 126,000
Lincoln, Oregon 2 $ 280,000 $ 140,000 $ 53,000
Erie, Pennsylvania 2 $ 380,000 $ 190,000 $ 116,000
Luzerne, Pennsylvania 2 $ 300,000 $ 150,000 $ 65,000
Montgomery, Pennsylvania 2 $ 640,000 $ 320,000 $ 103,000
Washington, Pennsylvania 2 $ 400,000 $ 200,000 $ 93,000
Westmoreland, Pennsylvania 2 $ 260,000 $ 130,000 $ 87,000
York, South Carolina 2 $ 440,000 $ 220,000 $ 106,000
Campbell, Tennessee 2 $ 800,000 $ 400,000 $ 196,000
Hutchinson, Texas 2 $ 250,000 $ 125,000 $ 60,000
Montgomery, Texas 2 $ 790,000 $ 395,000 $ 115,000
Tyler, Texas 2 $ 240,000 $ 120,000 $ 56,000
Alexandria, Virginia 2 $ 730,000 $ 365,000 $ 476,000
Arlington, Virginia 2 $ 1,690,000 $ 845,000 $ 349,000
Mathews, Virginia 2 $ 830,000 $ 415,000 $ 107,000
Roanoke City, Virginia 2 $ 520,000 $ 260,000 $ 92,000
Shenandoah, Virginia 2 $ 740,000 $ 370,000 $ 113,000
Greenbrier, West Virginia 2 $ 630,000 $ 315,000 $ 80,000
Covington, Alabama 1 $ 115,000 $ 115,000 $ 84,000
DeKalb, Alabama 1 $ 235,000 $ 235,000 $ 90,000
Fayette, Alabama 1 $ 135,000 $ 135,000 $ 77,000
Marengo, Alabama 1 $ 35,000 $ 35,000 $ 22,000
Randolph, Alabama 1 $ 75,000 $ 75,000 $ 48,000
Mohave, Arizona 1 $ 175,000 $ 175,000 $ 0
Polk, Arkansas 1 $ 115,000 $ 115,000 $ 118,000
Pulaski, Arkansas 1 $ 85,000 $ 85,000 $ 0
Yell, Arkansas 1 $ 165,000 $ 165,000 $ 83,000
Monterey, California 1 $ 425,000 $ 425,000 $ 0
Orange, California 1 $ 1,765,000 $ 1,765,000 $ 2,844,000
Sacramento, California 1 $ 205,000 $ 205,000 $ 0
San Bernardino, California 1 $ 265,000 $ 265,000 $ 49,000
Adams, Colorado 1 $ 345,000 $ 345,000 $ 98,000
Arapahoe, Colorado 1 $ 685,000 $ 685,000 $ 143,000
El Paso, Colorado 1 $ 375,000 $ 375,000 $ 86,000
Weld, Colorado 1 $ 115,000 $ 115,000 $ 77,000
Naugatuck Valley Planning Region, Connecticut 1 $ 305,000 $ 305,000 $ 118,000
New Castle, Delaware 1 $ 325,000 $ 325,000 $ 54,000
Collier, Florida 1 $ 435,000 $ 435,000 $ 109,000
Flagler, Florida 1 $ 115,000 $ 115,000 $ 65,000
Miami-Dade, Florida 1 $ 365,000 $ 365,000 $ 140,000
Polk, Florida 1 $ 155,000 $ 155,000 $ 46,000
Sumter, Florida 1 $ 205,000 $ 205,000 $ 118,000
Volusia, Florida 1 $ 405,000 $ 405,000 $ 118,000
Carroll, Georgia 1 $ 265,000 $ 265,000 $ 48,000
Chatham, Georgia 1 $ 715,000 $ 715,000 $ 300,000
Clayton, Georgia 1 $ 305,000 $ 305,000 $ 73,000
Cobb, Georgia 1 $ 405,000 $ 405,000 $ 171,000
Colquitt, Georgia 1 $ 135,000 $ 135,000 $ 38,000
Dawson, Georgia 1 $ 265,000 $ 265,000 $ 154,000
Effingham, Georgia 1 $ 445,000 $ 445,000 $ 150,000
Fulton, Georgia 1 $ 325,000 $ 325,000 $ 564,000
Grady, Georgia 1 $ 215,000 $ 215,000 $ 78,000
Liberty, Georgia 1 $ 205,000 $ 205,000 $ 0
Lumpkin, Georgia 1 $ 335,000 $ 335,000 $ 167,000
Madison, Georgia 1 $ 205,000 $ 205,000 $ 44,000
Newton, Georgia 1 $ 655,000 $ 655,000 $ 195,000
Peach, Georgia 1 $ 115,000 $ 115,000 $ 42,000
Pickens, Georgia 1 $ 515,000 $ 515,000 $ 517,000
Polk, Georgia 1 $ 195,000 $ 195,000 $ 60,000
Thomas, Georgia 1 $ 125,000 $ 125,000 $ 66,000
Troup, Georgia 1 $ 145,000 $ 145,000 $ 42,000
Ada, Idaho 1 $ 345,000 $ 345,000 $ 97,000
Canyon, Idaho 1 $ 435,000 $ 435,000 $ 51,000
Clinton, Illinois 1 $ 595,000 $ 595,000 $ 324,000
Bartholomew, Indiana 1 $ 265,000 $ 265,000 $ 127,000
Dearborn, Indiana 1 $ 475,000 $ 475,000 $ 0
Delaware, Indiana 1 $ 85,000 $ 85,000 $ 28,000
Fayette, Indiana 1 $ 175,000 $ 175,000 $ 63,000
Fulton, Indiana 1 $ 165,000 $ 165,000 $ 72,000
Hendricks, Indiana 1 $ 195,000 $ 195,000 $ 95,000
Henry, Indiana 1 $ 205,000 $ 205,000 $ 63,000
Lake, Indiana 1 $ 175,000 $ 175,000 $ 50,000
Lawrence, Indiana 1 $ 75,000 $ 75,000 $ 40,000
Madison, Indiana 1 $ 135,000 $ 135,000 $ 39,000
Miami, Indiana 1 $ 155,000 $ 155,000 $ 0
Porter, Indiana 1 $ 135,000 $ 135,000 $ 90,000
Ripley, Indiana 1 $ 285,000 $ 285,000 $ 103,000
Rush, Indiana 1 $ 185,000 $ 185,000 $ 132,000
Spencer, Indiana 1 $ 155,000 $ 155,000 $ 48,000
St. Joseph, Indiana 1 $ 75,000 $ 75,000 $ 1,000
Vanderburgh, Indiana 1 $ 125,000 $ 125,000 $ 77,000
Franklin, Kansas 1 $ 345,000 $ 345,000 $ 137,000
Harvey, Kansas 1 $ 95,000 $ 95,000 $ 74,000
Osage, Kansas 1 $ 235,000 $ 235,000 $ 92,000
Rice, Kansas 1 $ 115,000 $ 115,000 $ 51,000
Boone, Kentucky 1 $ 535,000 $ 535,000 $ 283,000
Caldwell, Kentucky 1 $ 155,000 $ 155,000 $ 66,000
Calloway, Kentucky 1 $ 65,000 $ 65,000 $ 49,000
Hardin, Kentucky 1 $ 175,000 $ 175,000 $ 52,000
Harlan, Kentucky 1 $ 85,000 $ 85,000 $ 41,000
Harrison, Kentucky 1 $ 235,000 $ 235,000 $ 72,000
Henderson, Kentucky 1 $ 155,000 $ 155,000 $ 73,000
Johnson, Kentucky 1 $ 205,000 $ 205,000 $ 60,000
Livingston, Kentucky 1 $ 115,000 $ 115,000 $ 0
Madison, Kentucky 1 $ 205,000 $ 205,000 $ 59,000
Mercer, Kentucky 1 $ 255,000 $ 255,000 $ 63,000
Montgomery, Kentucky 1 $ 145,000 $ 145,000 $ 44,000
Rockcastle, Kentucky 1 $ 175,000 $ 175,000 $ 58,000
Russell, Kentucky 1 $ 195,000 $ 195,000 $ 79,000
Wayne, Kentucky 1 $ 235,000 $ 235,000 $ 120,000
Acadia, Louisiana 1 $ 175,000 $ 175,000 $ 56,000
Bienville, Louisiana 1 $ 235,000 $ 235,000 $ 72,000
Catahoula, Louisiana 1 $ 65,000 $ 65,000 $ 101,000
Claiborne, Louisiana 1 $ 85,000 $ 85,000 $ 24,000
Richland, Louisiana 1 $ 175,000 $ 175,000 $ 85,000
Tangipahoa, Louisiana 1 $ 155,000 $ 155,000 $ 55,000
Union, Louisiana 1 $ 85,000 $ 85,000 $ 37,000
Allegany, Maryland 1 $ 155,000 $ 155,000 $ 58,000
Kent, Maryland 1 $ 235,000 $ 235,000 $ 50,000
Somerset, Maryland 1 $ 75,000 $ 75,000 $ 122,000
St. Mary's, Maryland 1 $ 475,000 $ 475,000 $ 99,000
Worcester, Maryland 1 $ 315,000 $ 315,000 $ 159,000
Norfolk, Massachusetts 1 $ 545,000 $ 545,000 $ 0
Suffolk, Massachusetts 1 $ 55,000 $ 55,000 $ 219,000
Arenac, Michigan 1 $ 185,000 $ 185,000 $ 70,000
Clare, Michigan 1 $ 105,000 $ 105,000 $ 28,000
Clinton, Michigan 1 $ 335,000 $ 335,000 $ 142,000
Grand Traverse, Michigan 1 $ 335,000 $ 335,000 $ 68,000
Isabella, Michigan 1 $ 155,000 $ 155,000 $ 104,000
Livingston, Michigan 1 $ 375,000 $ 375,000 $ 187,000
Manistee, Michigan 1 $ 225,000 $ 225,000 $ 102,000
Monroe, Michigan 1 $ 275,000 $ 275,000 $ 127,000
Ontonagon, Michigan 1 $ 95,000 $ 95,000 $ 41,000
Osceola, Michigan 1 $ 95,000 $ 95,000 $ 28,000
Ottawa, Michigan 1 $ 1,205,000 $ 1,205,000 $ 640,000
Adams, Mississippi 1 $ 265,000 $ 265,000 $ 72,000
Harrison, Mississippi 1 $ 215,000 $ 215,000 $ 79,000
Pearl River, Mississippi 1 $ 215,000 $ 215,000 $ 77,000
Rankin, Mississippi 1 $ 135,000 $ 135,000 $ 47,000
Camden, Missouri 1 $ 245,000 $ 245,000 $ 209,000
Cass, Missouri 1 $ 295,000 $ 295,000 $ 0
Ste. Genevieve, Missouri 1 $ 155,000 $ 155,000 $ 41,000
Atlantic, New Jersey 1 $ 1,575,000 $ 1,575,000 $ 1,066,000
Hudson, New Jersey 1 $ 535,000 $ 535,000 $ 428,000
Mercer, New Jersey 1 $ 195,000 $ 195,000 $ 66,000
Santa Fe, New Mexico 1 $ 5,000 $ 5,000 $ 205,000
Taos, New Mexico 1 $ 685,000 $ 685,000 $ 216,000
Forsyth, North Carolina 1 $ 175,000 $ 175,000 $ 0
Franklin, North Carolina 1 $ 455,000 $ 455,000 $ 114,000
Iredell, North Carolina 1 $ 275,000 $ 275,000 $ 68,000
Jones, North Carolina 1 $ 165,000 $ 165,000 $ 58,000
Lenoir, North Carolina 1 $ 65,000 $ 65,000 $ 65,000
Pender, North Carolina 1 $ 355,000 $ 355,000 $ 0
Stanly, North Carolina 1 $ 245,000 $ 245,000 $ 113,000
Surry, North Carolina 1 $ 245,000 $ 245,000 $ 132,000
Vance, North Carolina 1 $ 285,000 $ 285,000 $ 250,000
Ashland, Ohio 1 $ 205,000 $ 205,000 $ 88,000
Brown, Ohio 1 $ 245,000 $ 245,000 $ 65,000
Carroll, Ohio 1 $ 305,000 $ 305,000 $ 144,000
Champaign, Ohio 1 $ 145,000 $ 145,000 $ 78,000
Guernsey, Ohio 1 $ 195,000 $ 195,000 $ 85,000
Highland, Ohio 1 $ 175,000 $ 175,000 $ 76,000
Knox, Ohio 1 $ 335,000 $ 335,000 $ 92,000
Logan, Ohio 1 $ 155,000 $ 155,000 $ 63,000
Madison, Ohio 1 $ 275,000 $ 275,000 $ 109,000
Medina, Ohio 1 $ 545,000 $ 545,000 $ 302,000
Morrow, Ohio 1 $ 245,000 $ 245,000 $ 69,000
Pike, Ohio 1 $ 115,000 $ 115,000 $ 153,000
Sandusky, Ohio 1 $ 185,000 $ 185,000 $ 92,000
Wayne, Ohio 1 $ 225,000 $ 225,000 $ 0
Baker, Oregon 1 $ 265,000 $ 265,000 $ 114,000
Clatsop, Oregon 1 $ 405,000 $ 405,000 $ 131,000
Columbia, Oregon 1 $ 255,000 $ 255,000 $ 142,000
Jackson, Oregon 1 $ 945,000 $ 945,000 $ 245,000
Jefferson, Oregon 1 $ 465,000 $ 465,000 $ 131,000
Adams, Pennsylvania 1 $ 255,000 $ 255,000 $ 74,000
Allegheny, Pennsylvania 1 $ 45,000 $ 45,000 $ 42,000
Bucks, Pennsylvania 1 $ 285,000 $ 285,000 $ 113,000
Cambria, Pennsylvania 1 $ 65,000 $ 65,000 $ 23,000
Dauphin, Pennsylvania 1 $ 145,000 $ 145,000 $ 34,000
Elk, Pennsylvania 1 $ 235,000 $ 235,000 $ 82,000
Lancaster, Pennsylvania 1 $ 135,000 $ 135,000 $ 40,000
Lawrence, Pennsylvania 1 $ 155,000 $ 155,000 $ 84,000
Northumberland, Pennsylvania 1 $ 65,000 $ 65,000 $ 43,000
Schuylkill, Pennsylvania 1 $ 285,000 $ 285,000 $ 83,000
Warren, Pennsylvania 1 $ 95,000 $ 95,000 $ 64,000
Wayne, Pennsylvania 1 $ 135,000 $ 135,000 $ 202,000
Kent, Rhode Island 1 $ 405,000 $ 405,000 $ 141,000
Providence, Rhode Island 1 $ 335,000 $ 335,000 $ 143,000
Beaufort, South Carolina 1 $ 165,000 $ 165,000 $ 111,000
Dorchester, South Carolina 1 $ 355,000 $ 355,000 $ 163,000
Florence, South Carolina 1 $ 75,000 $ 75,000 $ 30,000
Marlboro, South Carolina 1 $ 105,000 $ 105,000 $ 61,000
Bedford, Tennessee 1 $ 275,000 $ 275,000 $ 110,000
Chester, Tennessee 1 $ 135,000 $ 135,000 $ 52,000
Lawrence, Tennessee 1 $ 305,000 $ 305,000 $ 92,000
Monroe, Tennessee 1 $ 155,000 $ 155,000 $ 57,000
Scott, Tennessee 1 $ 145,000 $ 145,000 $ 50,000
Weakley, Tennessee 1 $ 125,000 $ 125,000 $ 98,000
Bexar, Texas 1 $ 375,000 $ 375,000 $ 150,000
Calhoun, Texas 1 $ 135,000 $ 135,000 $ 139,000
Cameron, Texas 1 $ 635,000 $ 635,000 $ 129,000
Coleman, Texas 1 $ 115,000 $ 115,000 $ 29,000
Fort Bend, Texas 1 $ 315,000 $ 315,000 $ 130,000
Lubbock, Texas 1 $ 115,000 $ 115,000 $ 32,000
Parker, Texas 1 $ 325,000 $ 325,000 $ 79,000
Potter, Texas 1 $ 265,000 $ 265,000 $ 99,000
Travis, Texas 1 $ 275,000 $ 275,000 $ 59,000
Botetourt, Virginia 1 $ 95,000 $ 95,000 $ 86,000
Clarke, Virginia 1 $ 505,000 $ 505,000 $ 147,000
Colonial Heights, Virginia 1 $ 325,000 $ 325,000 $ 0
Essex, Virginia 1 $ 215,000 $ 215,000 $ 50,000
Falls Church, Virginia 1 $ 315,000 $ 315,000 $ 77,000
Gloucester, Virginia 1 $ 1,415,000 $ 1,415,000 $ 872,000
Hanover, Virginia 1 $ 695,000 $ 695,000 $ 218,000
Henry, Virginia 1 $ 155,000 $ 155,000 $ 45,000
Norfolk, Virginia 1 $ 285,000 $ 285,000 $ 0
Richmond City, Virginia 1 $ 585,000 $ 585,000 $ 138,000
Roanoke, Virginia 1 $ 345,000 $ 345,000 $ 88,000
Suffolk, Virginia 1 $ 215,000 $ 215,000 $ 78,000
Benton, Washington 1 $ 225,000 $ 225,000 $ 71,000
Franklin, Washington 1 $ 355,000 $ 355,000 $ 138,000
King, Washington 1 $ 815,000 $ 815,000 $ 347,000
Pierce, Washington 1 $ 235,000 $ 235,000 $ 0
Berkeley, West Virginia 1 $ 345,000 $ 345,000 $ 81,000
Kanawha, West Virginia 1 $ 425,000 $ 425,000 $ 100,000
Morgan, West Virginia 1 $ 365,000 $ 365,000 $ 110,000
Ohio, West Virginia 1 $ 175,000 $ 175,000 $ 48,000
Pocahontas, West Virginia 1 $ 425,000 $ 425,000 $ 109,000
Upshur, West Virginia 1 $ 245,000 $ 245,000 $ 58,000
Dane, Wisconsin 1 $ 315,000 $ 315,000 $ 74,000
Douglas, Wisconsin 1 $ 295,000 $ 295,000 $ 118,000
Milwaukee, Wisconsin 1 $ 305,000 $ 305,000 $ 126,000
Ozaukee, Wisconsin 1 $ 385,000 $ 385,000 $ 0

Mortgage Loan Application Detail Totals for Bayshore Mortgage Funding in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,517 $435,545,000 $287,000 $2,495,000 $121,000 $3,688,000
Cash-out Refinancing 205 $65,475,000 $319,000 $1,765,000 $155,000 $2,844,000
Refinancing 142 $52,640,000 $370,000 $835,000 $153,000 $600,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,165 $346,305,000 $297,000 $1,725,000 $126,000 $1,363,000
Hispanic 265 $72,975,000 $275,000 $735,000 $96,000 $324,000
Black or African American 198 $55,990,000 $282,000 $1,295,000 $110,000 $1,086,000
Not Provided 154 $47,510,000 $308,000 $945,000 $170,000 $3,688,000
Asian 62 $25,890,000 $417,000 $2,495,000 $235,000 $2,844,000
American Indian or Alaskan Native 10 $3,180,000 $318,000 $535,000 $97,000 $192,000
Not applicable 6 $820,000 $136,000 $185,000 $0 $0
Native Hawaiian or Other Pacific Islander 4 $990,000 $247,000 $295,000 $75,000 $85,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,019 $306,995,000 $301,000 $2,495,000 $151,000 $3,688,000
FHA-insured (Federal Housing Administration) 556 $161,450,000 $290,000 $905,000 $98,000 $387,000
VA-guaranteed (Veterans Administration) 170 $64,630,000 $380,000 $1,675,000 $117,000 $488,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 119 $20,585,000 $172,000 $345,000 $67,000 $127,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,297 $388,275,000 $299,000 $2,495,000 $124,000 $2,844,000
Application Withdrawn By Applicant 428 $129,640,000 $302,000 $1,675,000 $146,000 $3,688,000
Application Denied By Financial Institution 97 $25,585,000 $263,000 $695,000 $82,000 $564,000
Preapproval Denied by Financial Institution 12 $1,340,000 $111,000 $295,000 $88,000 $205,000
Preapproval Approved but not Accepted 11 $3,375,000 $306,000 $485,000 $99,000 $164,000
File Closed For Incompleteness 11 $2,515,000 $228,000 $465,000 $120,000 $279,000
Application Approved But Not Accepted 8 $2,930,000 $366,000 $715,000 $138,000 $333,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,755 $526,735,000 $300,000 $2,495,000 $129,000 $3,688,000
Debt-To-Income Ratio 39 $11,695,000 $299,000 $695,000 $76,000 $387,000
Collateral 21 $4,125,000 $196,000 $585,000 $61,000 $144,000
Credit History 20 $4,580,000 $229,000 $655,000 $95,000 $393,000
Other 9 $2,285,000 $253,000 $385,000 $79,000 $112,000
Unverifiable Information 6 $1,960,000 $326,000 $525,000 $173,000 $564,000
Employment History 6 $340,000 $56,000 $205,000 $93,000 $205,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,420,000 $236,000 $455,000 $64,000 $127,000
Credit Application Incomplete 2 $520,000 $260,000 $385,000 $99,000 $146,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bayshore Mortgage Funding's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Bayshore Mortgage Funding's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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