Applications / Mortgage Analytics / Lenders / New York / Bayport Funding
Great Neck, NY · Non-bank or government lender · CFPB · 92 loans in 2025
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92
loans originated, 2025
147
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bayport Funding, a Great Neck, New York lender, makes nothing but conventional home-purchase loans, and its lending has shrunk each year since 2022.
Every one of its 92 loans in 2025 was a conventional loan to buy a home. Its lending to borrowers of low and moderate income cannot be measured, which suggests its filings may carry no borrower incomes. That fits lending to property investors or businesses rather than to households, though the data do not say so.
Its typical rate was 10.88%, against 6.62% at similar lenders, non-bank lenders making between half and twice as many loans. It was 11.50% the year before. If its loans go to investors rather than homeowners, as the missing incomes suggest, a higher rate would be expected.
Its loans fell 21% to 92, while similar lenders shrank 6%. It made 297 in its first reported year, 2019.
Neighborhoods of low and moderate income took 31.5% of its loans, against 23.6% at similar lenders, and majority-minority neighborhoods 58.7%, against 35.3%. Both shares are higher than at more than seven in ten of them. New York-Newark-Jersey City, NY-NJ is its largest market.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bayport Funding took 147 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 92 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 63 | 68.5% |
| Florida | 11 | 12.0% |
| New Jersey | 9 | 9.8% |
| Pennsylvania | 5 | 5.4% |
| Connecticut | 2 | 2.2% |
| North Carolina | 2 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 45 |
| Nassau County-Suffolk County | 25 |
| West Palm Beach-Boca Raton-Delray Beach | 5 |
| Fort Lauderdale-Pompano Beach-Sunrise | 4 |
| Philadelphia | 4 |
| Newark | 2 |
| New Haven | 2 |
| Durham-Chapel Hill | 1 |
| Jacksonville | 1 |
| Miami-Miami Beach-Kendall | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001QR7MEE12WC276 | 2019–2025 |
Established date not on record. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Bayport Funding's data.
Bayport Funding's data
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