Applications / Mortgage Analytics / Lenders / Maryland / Bayshore Mortgage Funding
Timonium, MD · Independent non-bank lender · CFPB · 1,297 loans in 2025
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1,297
loans originated, 2025
1,841
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bayshore Mortgage Funding, a Timonium, Maryland lender whose biggest state is Ohio, makes far more rural government-backed loans and manufactured-home loans than similar lenders.
Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) made up 6.7% of its lending, against 0.2% at similar lenders, independent non-bank lenders making between half and twice as many loans. Nearly all of them had less. Loans insured by the Federal Housing Administration (FHA) took 29.1%, against 21.9%.
Five years before, loans guaranteed by the Department of Veterans Affairs (VA) were 28.3% of its total and FHA loans 10.9%. In 2025 VA loans were 8.6%, and RHS loans had grown from 0.7%.
Manufactured homes made up 5.4% of its loans, against 0.9% at similar lenders. Its higher-priced share, loans at a rate well above the average for similar loans, was 6.7% against 2.2%. Manufactured-home loans and its larger FHA share could account for most of that gap; its typical rate, 6.62%, matched theirs.
Borrowers of low and moderate income took 34.8% of its loans, against 28.2% at similar lenders, more than at about three-quarters of them. Its typical loan, $265,000, was smaller than their $315,000. Its loans rose 1% to 1,297.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bayshore Mortgage Funding took 1,841 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.2% · Refinance 14.8%
Conventional 55.7% · FHA 29.1% · VA 8.6% · USDA (RHS or FSA) 6.7% · of 1,297 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 |
|---|---|---|
| Ohio | 324 | 25.0% |
| Florida | 163 | 12.6% |
| Maryland | 138 | 10.6% |
| Oregon | 96 | 7.4% |
| New Jersey | 71 | 5.5% |
| North Carolina | 62 | 4.8% |
| Indiana | 45 | 3.5% |
| Virginia | 42 | 3.2% |
| Kentucky | 40 | 3.1% |
| Delaware | 39 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 148 |
| Columbus | 69 |
| Baltimore-Columbia-Towson | 68 |
| Newark | 43 |
| Washington | 36 |
| Ocala | 33 |
| Sebastian-Vero Beach-West Vero Corridor | 32 |
| Tallahassee | 30 |
| Indianapolis-Carmel-Greenwood | 23 |
| Cleveland | 22 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PEWJWBNEOSS013 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4877929 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7522304304 |
Established 17 August 2001. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Bayshore Mortgage Funding's data.
Bayshore Mortgage Funding's data
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