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records Bayshore Mortgage Funding filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 417 $ 92,025,000 $ 220,683 $ 92,681
Cincinnati, OH-KY-IN 194 $ 54,250,000 $ 279,639 $ 117,201
Columbus, OH 88 $ 26,030,000 $ 295,795 $ 150,000
Baltimore-Columbia-Towson, MD 85 $ 28,905,000 $ 340,058 $ 119,000
Newark, NJ-PA 66 $ 32,040,000 $ 485,454 $ 233,000
Tallahassee, FL 54 $ 14,240,000 $ 263,703 $ 111,000
Washington, DC-MD 44 $ 18,870,000 $ 428,863 $ 153,386
Ocala, FL 43 $ 10,045,000 $ 233,604 $ 88,000
Sebastian-Vero Beach, FL 42 $ 15,260,000 $ 363,333 $ 148,000
Indianapolis-Carmel-Anderson, IN 32 $ 8,060,000 $ 251,875 $ 97,000
Lakewood-New Brunswick, NJ 30 $ 13,940,000 $ 464,666 $ 205,000
Cleveland, OH 29 $ 6,265,000 $ 216,034 $ 92,000
Arlington-Alexandria-Reston, VA-WV 28 $ 15,410,000 $ 550,357 $ 193,000
Huntington-Ashland, WV-KY-OH 28 $ 4,680,000 $ 167,142 $ 82,928
Kansas City, MO-KS 25 $ 5,765,000 $ 230,600 $ 87,480
Raleigh, NC 24 $ 7,470,000 $ 311,250 $ 274,000
St. Louis, MO-IL 24 $ 5,830,000 $ 242,916 $ 103,583
Atlanta-Sandy Springs-Roswell, GA 23 $ 8,765,000 $ 381,086 $ 172,000
McAllen-Edinburg-Mission, TX 22 $ 3,920,000 $ 178,181 $ 89,000
Chicago-Naperville, IL 21 $ 7,065,000 $ 336,428 $ 116,000
Akron, OH 20 $ 4,470,000 $ 223,500 $ 102,000
Washington-Baltimore-Arlington, DC 20 $ 9,500,000 $ 475,000 $ 166,000
Dayton-Springfield-Kettering, OH 19 $ 4,655,000 $ 245,000 $ 115,000
Palm Bay-Melbourne-Titusville, FL 19 $ 6,035,000 $ 317,631 $ 117,000
Charlotte-Concord-Gastonia, NC-SC 17 $ 5,375,000 $ 316,176 $ 96,294
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 17 $ 5,105,000 $ 300,294 $ 142,000
Phoenix-Mesa-Scottsdale, AZ 15 $ 5,675,000 $ 378,333 $ 127,000
Richmond, VA 15 $ 6,275,000 $ 418,333 $ 117,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 14 $ 6,290,000 $ 449,285 $ 205,000
Anniston-Oxford-Jacksonville, AL 13 $ 1,715,000 $ 131,923 $ 55,000
Canton-Massillon, OH 13 $ 2,405,000 $ 185,000 $ 80,000
Dover, DE 13 $ 4,285,000 $ 329,615 $ 98,000
Cape Coral-Fort Myers, FL 11 $ 3,445,000 $ 313,181 $ 154,000
Mansfield, OH 10 $ 2,250,000 $ 225,000 $ 101,000
New York-Jersey City-White Plains, NY-NJ 10 $ 6,250,000 $ 625,000 $ 250,000
Fayetteville-Springdale-Rogers, AR-MO 9 $ 2,375,000 $ 263,888 $ 73,000
Houston-The Woodlands-Sugar Land, TX 9 $ 3,325,000 $ 369,444 $ 160,000
Port St. Lucie, FL 8 $ 3,060,000 $ 382,500 $ 302,000
Allentown-Bethlehem-Easton, PA-NJ 7 $ 1,655,000 $ 236,428 $ 126,714
Hagerstown-Martinsburg, MD-WV 7 $ 2,295,000 $ 327,857 $ 85,000
Jacksonville, FL 7 $ 3,795,000 $ 542,142 $ 272,000
Lansing-East Lansing, MI 7 $ 2,205,000 $ 315,000 $ 115,000
North Port-Sarasota-Bradenton, FL 7 $ 2,385,000 $ 340,714 $ 151,000
Oakland-Hayward-Berkeley, CA 6 $ 2,800,000 $ 466,666 $ 477,000
Pittsburgh, PA 6 $ 860,000 $ 143,333 $ 81,000
Springfield, OH 6 $ 790,000 $ 131,666 $ 98,000
Wilmington, NC 6 $ 2,770,000 $ 461,666 $ 175,000
Camden, NJ 5 $ 1,685,000 $ 337,000 $ 116,000
Columbia, SC 5 $ 945,000 $ 189,000 $ 23,000
Greenville, NC 5 $ 1,555,000 $ 311,000 $ 107,000
Little Rock-North Little Rock-Conway, AR 5 $ 1,075,000 $ 215,000 $ 63,000
Portland-Vancouver-Hillsboro, OR-WA 5 $ 2,285,000 $ 457,000 $ 140,000
Punta Gorda, FL 5 $ 1,195,000 $ 239,000 $ 96,000
Reading, PA 5 $ 1,605,000 $ 321,000 $ 155,000
Rocky Mount, NC 5 $ 675,000 $ 135,000 $ 123,000
Tampa, FL 5 $ 1,935,000 $ 387,000 $ 132,000
Virginia Beach-Norfolk-Newport News, VA-NC 5 $ 2,745,000 $ 549,000 $ 291,000
York-Hanover, PA 5 $ 1,455,000 $ 291,000 $ 92,000
Clarksville, TN-KY 4 $ 1,230,000 $ 307,500 $ 122,000
Fort Worth-Arlington, TX 4 $ 1,470,000 $ 367,500 $ 217,000
Las Cruces, NM 4 $ 720,000 $ 180,000 $ 97,000
Lexington Park, MD 4 $ 2,540,000 $ 635,000 $ 181,000
Monroe, LA 4 $ 660,000 $ 165,000 $ 74,000
Roanoke, VA 4 $ 960,000 $ 240,000 $ 89,000
Sebring, FL 4 $ 1,200,000 $ 300,000 $ 162,000
Auburn-Opelika, AL 3 $ 1,535,000 $ 511,666 $ 127,000
Durham-Chapel Hill, NC 3 $ 975,000 $ 325,000 $ 136,000
Gainesville, FL 3 $ 645,000 $ 215,000 $ 89,000
Goldsboro, NC 3 $ 205,000 $ 68,333 $ 31,000
Greenville-Anderson-Mauldin, SC 3 $ 1,235,000 $ 411,666 $ 174,000
Lake County-Kenosha County, IL-WI 3 $ 1,395,000 $ 465,000 $ 408,000
Montgomery County-Bucks County-Chester County, PA 3 $ 925,000 $ 308,333 $ 106,000
Pensacola-Ferry Pass-Brent, FL 3 $ 405,000 $ 135,000 $ 64,000
Pinehurst-Southern Pines, NC 3 $ 1,325,000 $ 441,666 $ 284,000
Salisbury, MD-DE 3 $ 675,000 $ 225,000 $ 115,000
Toledo, OH 3 $ 435,000 $ 145,000 $ 148,000
West Palm Beach-Boca Raton-Delray Beach, FL 3 $ 1,435,000 $ 478,333 $ 175,000
Wilmington, DE-MD-NJ 3 $ 865,000 $ 288,333 $ 76,000
Worcester, MA-CT 3 $ 1,015,000 $ 338,333 $ 142,000
Bay City, MI 2 $ 230,000 $ 115,000 $ 48,000
Birmingham-Hoover, AL 2 $ 580,000 $ 290,000 $ 130,000
Boise City, ID 2 $ 780,000 $ 390,000 $ 74,000
Boston, MA 2 $ 600,000 $ 300,000 $ 109,000
Columbia, MO 2 $ 410,000 $ 205,000 $ 0
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 520,000 $ 260,000 $ 91,000
Denver-Aurora-Lakewood, CO 2 $ 1,030,000 $ 515,000 $ 120,000
Detroit-Dearborn-Livonia, MI 2 $ 340,000 $ 170,000 $ 70,000
Erie, PA 2 $ 380,000 $ 190,000 $ 116,000
Greensboro-High Point, NC 2 $ 800,000 $ 400,000 $ 57,000
Kennewick-Richland, WA 2 $ 580,000 $ 290,000 $ 104,000
Knoxville, TN 2 $ 800,000 $ 400,000 $ 196,000
Kokomo, IN 2 $ 660,000 $ 330,000 $ 162,000
Lake County-Porter County-Jasper County, IN 2 $ 310,000 $ 155,000 $ 70,000
Louisville/Jefferson County, KY-IN 2 $ 630,000 $ 315,000 $ 136,000
Midland, MI 2 $ 560,000 $ 280,000 $ 207,000
Milwaukee-Waukesha-West Allis, WI 2 $ 690,000 $ 345,000 $ 126,000
Montgomery, AL 2 $ 280,000 $ 140,000 $ 73,000
Orlando-Kissimmee-Sanford, FL 2 $ 540,000 $ 270,000 $ 99,000
Panama City, FL 2 $ 580,000 $ 290,000 $ 101,000
Providence-Warwick, RI-MA 2 $ 740,000 $ 370,000 $ 142,000
San Jose-Sunnyvale-Santa Clara, CA 2 $ 1,140,000 $ 570,000 $ 212,000
Savannah, GA 2 $ 1,160,000 $ 580,000 $ 225,000
Scranton--Wilkes-Barre--Hazleton, PA 2 $ 300,000 $ 150,000 $ 65,000
St. Petersburg-Clearwater-Largo, FL 2 $ 600,000 $ 300,000 $ 67,000
Youngstown-Warren-Boardman, OH-PA 2 $ 160,000 $ 80,000 $ 101,000
Amarillo, TX 1 $ 265,000 $ 265,000 $ 99,000
Anaheim-Santa Ana-Irvine, CA 1 $ 1,765,000 $ 1,765,000 $ 2,844,000
Athens-Clarke County, GA 1 $ 205,000 $ 205,000 $ 44,000
Atlantic City-Hammonton, NJ 1 $ 1,575,000 $ 1,575,000 $ 1,066,000
Austin-Round Rock, TX 1 $ 275,000 $ 275,000 $ 59,000
Bend-Redmond, OR 1 $ 465,000 $ 465,000 $ 131,000
Brownsville-Harlingen, TX 1 $ 635,000 $ 635,000 $ 129,000
Charleston, WV 1 $ 425,000 $ 425,000 $ 100,000
Charleston-North Charleston, SC 1 $ 355,000 $ 355,000 $ 163,000
Colorado Springs, CO 1 $ 375,000 $ 375,000 $ 86,000
Columbus, IN 1 $ 265,000 $ 265,000 $ 127,000
Duluth, MN-WI 1 $ 295,000 $ 295,000 $ 118,000
Elizabethtown-Fort Knox, KY 1 $ 175,000 $ 175,000 $ 52,000
Evansville, IN-KY 1 $ 125,000 $ 125,000 $ 77,000
Florence, SC 1 $ 75,000 $ 75,000 $ 30,000
Gettysburg, PA 1 $ 255,000 $ 255,000 $ 74,000
Grand Rapids-Wyoming, MI 1 $ 1,205,000 $ 1,205,000 $ 640,000
Greeley, CO 1 $ 115,000 $ 115,000 $ 77,000
Gulfport-Biloxi-Pascagoula, MS 1 $ 215,000 $ 215,000 $ 79,000
Hammond, LA 1 $ 155,000 $ 155,000 $ 55,000
Harrisburg-Carlisle, PA 1 $ 145,000 $ 145,000 $ 34,000
Hilton Head Island-Bluffton-Beaufort, SC 1 $ 165,000 $ 165,000 $ 111,000
Hinesville, GA 1 $ 205,000 $ 205,000 $ 0
Jackson, MS 1 $ 135,000 $ 135,000 $ 47,000
Jackson, TN 1 $ 135,000 $ 135,000 $ 52,000
Johnstown, PA 1 $ 65,000 $ 65,000 $ 23,000
Lafayette, LA 1 $ 175,000 $ 175,000 $ 56,000
Lake Havasu City-Kingman, AZ 1 $ 175,000 $ 175,000 $ 0
Lakeland-Winter Haven, FL 1 $ 155,000 $ 155,000 $ 46,000
Lancaster, PA 1 $ 135,000 $ 135,000 $ 40,000
Lubbock, TX 1 $ 115,000 $ 115,000 $ 32,000
Madison, WI 1 $ 315,000 $ 315,000 $ 74,000
Marietta, GA 1 $ 405,000 $ 405,000 $ 171,000
Medford, OR 1 $ 945,000 $ 945,000 $ 245,000
Miami-Miami Beach-Kendall, FL 1 $ 365,000 $ 365,000 $ 140,000
Monroe, MI 1 $ 275,000 $ 275,000 $ 127,000
Muncie, IN 1 $ 85,000 $ 85,000 $ 28,000
Naples-Immokalee-Marco Island, FL 1 $ 435,000 $ 435,000 $ 109,000
Paducah, KY-IL 1 $ 115,000 $ 115,000 $ 0
Riverside-San Bernardino-Ontario, CA 1 $ 265,000 $ 265,000 $ 49,000
Sacramento--Roseville--Arden-Arcade, CA 1 $ 205,000 $ 205,000 $ 0
Salinas, CA 1 $ 425,000 $ 425,000 $ 0
San Antonio-New Braunfels, TX 1 $ 375,000 $ 375,000 $ 150,000
Santa Fe, NM 1 $ 5,000 $ 5,000 $ 205,000
Seattle-Bellevue-Everett, WA 1 $ 815,000 $ 815,000 $ 347,000
South Bend-Mishawaka, IN-MI 1 $ 75,000 $ 75,000 $ 1,000
Tacoma-Lakewood, WA 1 $ 235,000 $ 235,000 $ 0
Topeka, KS 1 $ 235,000 $ 235,000 $ 92,000
Traverse City, MI 1 $ 335,000 $ 335,000 $ 68,000
Trenton, NJ 1 $ 195,000 $ 195,000 $ 66,000
Warner Robins, GA 1 $ 115,000 $ 115,000 $ 42,000
Warren-Troy-Farmington Hills, MI 1 $ 375,000 $ 375,000 $ 187,000
Waterbury-Shelton, CT 1 $ 305,000 $ 305,000 $ 118,000
Wheeling, WV-OH 1 $ 175,000 $ 175,000 $ 48,000
Wichita, KS 1 $ 95,000 $ 95,000 $ 74,000
Wildwood-The Villages, FL 1 $ 205,000 $ 205,000 $ 118,000
Winston-Salem, NC 1 $ 175,000 $ 175,000 $ 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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