Tidewater Mortgage Services in Florida vs the state
3.9%Denial rate-17.12 pts vs state
5.2%Decision denial rate-22.03 pts vs state
71.7%Origination rate+18.96 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$89kMedian applicant income
91Loans originated
5Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 125 | 6.0% | 6.75% | #401 |
| 2024 | 198 | 133 | 8.6% | 6.75% | #380 |
| 2025 | 127 | 91 | 3.9% | 6.63% | #444 |
What Tidewater Mortgage Services lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Tidewater Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pasco County | 45 | 34 | 4 | 8.9% |
| Pinellas County | 22 | 17 | 0 | 0.0% |
| Hernando County | 10 | 10 | 0 | 0.0% |
| Brevard County | 9 | 1 | 0 | 0.0% |
| Hillsborough County | 8 | 6 | 0 | 0.0% |
| Citrus County | 5 | 3 | 1 | 20.0% |
| Orange County | 5 | 4 | 0 | 0.0% |
| Seminole County | 4 | 3 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Nassau County | 2 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 127 applications in 2025, of which 91 were originated and 5 denied.
3.9% of all applications, or 5.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Tidewater Mortgage Services originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Tidewater Mortgage Services's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology