Tidewater Mortgage Services in North Carolina vs the state
7.4%Denial rate-10.71 pts vs state
9.6%Decision denial rate-13.20 pts vs state
69.1%Origination rate+11.31 pts vs state
6.56%Median rate+0.06 pts vs state
0.17Rate spread (pts)+0.08 pts vs state
$111kMedian applicant income
141Loans originated
15Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 143 | 116 | 5.6% | 6.63% | #240 |
| 2024 | 171 | 130 | 4.7% | 6.63% | #231 |
| 2025 | 204 | 141 | 7.4% | 6.56% | #231 |
What Tidewater Mortgage Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Tidewater Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Brunswick County | 61 | 41 | 3 | 4.9% |
| Currituck County | 19 | 16 | 0 | 0.0% |
| Johnston County | 14 | 11 | 1 | 7.1% |
| New Hanover County | 13 | 11 | 0 | 0.0% |
| Pitt County | 9 | 4 | 3 | 33.3% |
| Harnett County | 9 | 6 | 1 | 11.1% |
| Gates County | 7 | 3 | 1 | 14.3% |
| Beaufort County | 6 | 2 | 2 | 33.3% |
| Franklin County | 6 | 4 | 0 | 0.0% |
| Pasquotank County | 5 | 3 | 1 | 20.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 204 applications in 2025, of which 141 were originated and 15 denied.
7.4% of all applications, or 9.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Tidewater Mortgage Services originated in North Carolina in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are Tidewater Mortgage Services's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology