Purchase Originations
990
Ranked #383 nationally
Median Total Costs
$8,250
+23.5% vs national ($6,680)
↓ $41 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$2,524
Median Lender Credits
$160
Cost Rank (500+ vol.)
#460
among lenders with 500+ originations
Denial Rate
4.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 479 | 6.625% | $5,918 | $2,297 |
| fha | 333 | 6.625% | $11,062 | $2,391 |
| va | 91 | 6.625% | $9,041 | $3,355 |
| usda | 87 | 6.875% | $7,788 | $3,088 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 249 | 6.750% | $6,738 | #82 |
| Florida | 145 | 6.624% | $8,572 | #191 |
| Maryland | 106 | 6.750% | $10,641 | #97 |
| Oregon | 70 | 6.625% | $9,893 | #82 |
| North Carolina | 41 | 6.500% | $9,052 | — |
| Indiana | 39 | 6.875% | $5,766 | — |
| Kentucky | 38 | 6.750% | $8,308 | — |
| New Jersey | 37 | 6.750% | $10,584 | — |
| Virginia | 30 | 6.495% | $10,463 | — |
| Delaware | 28 | 6.625% | $12,276 | — |
| Missouri | 23 | 6.375% | $8,116 | — |
| Texas | 21 | 6.500% | $8,714 | — |
| Pennsylvania | 19 | 6.625% | $9,687 | — |
| Michigan | 16 | 6.933% | $4,608 | — |
| South Carolina | 16 | 6.624% | $9,993 | — |
| Alabama | 13 | 7.125% | $7,045 | — |
| Arkansas | 13 | 6.500% | $4,331 | — |
| Illinois | 13 | 6.500% | $7,938 | — |
| Georgia | 12 | 6.625% | $11,612 | — |
| Louisiana | 12 | 7.125% | $8,144 | — |
| Arizona | 10 | 6.120% | $13,155 | — |
| Kansas | 8 | 6.495% | $7,790 | — |
| New Mexico | 7 | 6.250% | $9,255 | — |
| Tennessee | 7 | 6.750% | $11,666 | — |
| West Virginia | 4 | 5.812% | $13,014 | — |
| Colorado | 3 | 6.990% | $3,747 | — |
| Mississippi | 2 | 7.375% | $8,724 | — |
| Washington | 2 | 6.370% | $10,548 | — |
| Wisconsin | 2 | 6.688% | $4,277 | — |
| Connecticut | 1 | 6.750% | $10,989 | — |
| District of Columbia | 1 | 6.750% | $12,750 | — |
| Idaho | 1 | 5.750% | $7,589 | — |
| Massachusetts | 1 | 7.625% | $13,281 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,377 | 6.625% | — | 18 | −$3,873 | |
| 2 | $5,171 | 6.750% | — | 41 | −$3,079 | |
| 3 | $5,770 | 6.625% | — | 23 | −$2,480 | |
| 4 | $6,348 | 6.625% | — | 17 | −$1,902 | |
| 5 | $6,546 | 6.750% | — | 15 | −$1,704 | |
| 6 | $6,937 | 6.625% | — | 11 | −$1,313 | |
| 7 | $7,687 | 6.938% | — | 22 | −$563 | |
| 8 | $8,000 | 6.375% | — | 33 | −$250 | |
| 9 | $8,036 | 6.624% | — | 17 | −$214 | |
| 10 | $8,373 | 6.490% | — | 33 | +$123 | |
| 11 | $8,845 | 6.750% | — | 28 | +$595 | |
| 12 | $9,174 | 6.875% | — | 17 | +$924 | |
| 13 | $9,283 | 6.375% | — | 11 | +$1,033 | |
| 14 | $9,699 | 6.625% | — | 42 | +$1,449 | |
| 15 | $10,017 | 6.500% | — | 13 | +$1,767 | |
| 16 | $10,703 | 6.625% | — | 19 | +$2,453 | |
| 17 | $10,705 | 6.625% | — | 20 | +$2,455 | |
| 18 | $11,272 | 6.562% | — | 12 | +$3,022 | |
| 19 | $12,278 | 6.750% | — | 19 | +$4,028 | |
| 20 | $12,503 | 6.625% | — | 13 | +$4,253 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Bayshore Mortgage Funding, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $8,250 | $7,127 | +$1,123 (+15.8%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.