Tidewater Mortgage Services in Maryland vs the state
4.3%Denial rate-14.51 pts vs state
8.2%Decision denial rate-15.91 pts vs state
47.9%Origination rate-7.85 pts vs state
6.50%Median rate-0.13 pts vs state
0.42Rate spread (pts)+0.17 pts vs state
$89kMedian applicant income
67Loans originated
6Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 80 | 7.1% | 6.75% | #214 |
| 2024 | 106 | 71 | 9.4% | 6.63% | #208 |
| 2025 | 140 | 67 | 4.3% | 6.50% | #203 |
What Tidewater Mortgage Services lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Tidewater Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wicomico County | 24 | 10 | 4 | 16.7% |
| Somerset County | 19 | 7 | 1 | 5.3% |
| Caroline County | 14 | 6 | 0 | 0.0% |
| Dorchester County | 13 | 8 | 0 | 0.0% |
| Worcester County | 12 | 4 | 1 | 8.3% |
| Washington County | 9 | 6 | 0 | 0.0% |
| Anne Arundel County | 8 | 4 | 0 | 0.0% |
| Frederick County | 7 | 4 | 0 | 0.0% |
| Queen Anne's County | 7 | 2 | 0 | 0.0% |
| Kent County | 6 | 2 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 140 applications in 2025, of which 67 were originated and 6 denied.
4.3% of all applications, or 8.2% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Tidewater Mortgage Services originated in Maryland in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Tidewater Mortgage Services's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology