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Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Tidewater Mortgage Services, Inc.: 2025 mortgage rates, costs & approvals

How Tidewater Mortgage Services, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: TIDEWATER MORTGAGE SERVICES, INC. · LEI 5493005R34FLBMCPWB41

In 2025, Tidewater Mortgage Services, Inc. originated 1,342 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 12 states — 363rd by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 10 basis points above the national median. Median conventional loan costs were $5,390, 3% lower than the national median ($5,570).

It denied 4.9% of completed home-purchase applications (all lenders: 8.5%).

Loans
1,342
of 1,418 applications
Denial rate
4.9%
Purchase · all 8.5%
30-yr fixed rate
6.75%
Conv. · all 6.625%
Loan costs
$5,390
Conv. · all $5,570
Loan amount
$305,000
Purchase · all $335,000
Borrower income
$99,000
Purchase · all $116,000

How Tidewater Mortgage Services, Inc. priced home-purchase loans

Purchase loans, 2025Tidewater Mortgage Services, Inc.All lenders
30-year fixed rate · conventional6.750%6.625%
30-year fixed rate · FHA6.375%6.250%
30-year fixed rate · VA6.250%6.125%
15-year fixed rate · conventional5.875%5.875%
Rate spread vs. APOR · conventional+0.23 pts+0.13 pts
Total loan costs · conventional$5,390$5,570
Total loan costs · FHA$11,050$11,310
Total loan costs · VA$9,740$6,490
Origination charges (all types)$1,840$1,860
Borrowers paying discount points52.0%51.3%
Points paid, when paid (% of loan)0.64%0.87%
Borrowers receiving lender credits16.1%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 49.9% 670
FHA 28.0% 376
VA 19.2% 257
USDA 2.9% 39

By purpose

Home purchase 93.2% 1,251
Refinance 3.0% 40
Cash-out refinance 3.8% 51
Home value
$355,000
Median, purchase loans
Down payment
5%
All lenders 10%
Refi rate
6.125%
30-yr fixed, conventional
Refi denial rate
11.1%
Cash-out 12.1%

Why Tidewater Mortgage Services, Inc. denied purchase applications

Debt-to-income ratio 53.1% 34
Collateral (appraisal/property) 20.3% 13
Credit history 9.4% 6
Insufficient cash (down payment/closing costs) 7.8% 5
Employment history 6.3% 4
Unverifiable information 1.6% 1
Other 1.6% 1

First reason the lender reported for each denied home-purchase application.

Where Tidewater Mortgage Services, Inc. lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Virginia5155465.1%6.750%$5,450
Pennsylvania2752863.4%6.625%$5,360
South Carolina1551634.5%6.750%$5,250
North Carolina1241347.0%6.625%$5,070
Delaware80878.4%6.625%$5,630
Florida76804.1%6.875%$4,830
Maryland39415.4%——
New Jersey39412.8%6.625%$7,510
West Virginia34352.9%——
District of Columbia22———
Tennessee22———
Georgia11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Tidewater Mortgage Services, Inc.'s page for that state.

Counties where Tidewater Mortgage Services, Inc. is a top lender

Check Tidewater Mortgage Services, Inc. yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology