Tidewater Mortgage Services in Pennsylvania vs the state
3.6%Denial rate-14.73 pts vs state
4.4%Decision denial rate-17.82 pts vs state
77.6%Origination rate+16.65 pts vs state
6.50%Median rate-0.13 pts vs state
0.36Rate spread (pts)+0.12 pts vs state
$82kMedian applicant income
305Loans originated
14Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 385 | 333 | 3.4% | 6.75% | #166 |
| 2024 | 377 | 310 | 2.4% | 6.75% | #181 |
| 2025 | 393 | 305 | 3.6% | 6.50% | #191 |
What Tidewater Mortgage Services lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Tidewater Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Venango County | 70 | 58 | 2 | 2.9% |
| Cumberland County | 33 | 28 | 1 | 3.0% |
| York County | 33 | 28 | 1 | 3.0% |
| Berks County | 28 | 19 | 5 | 17.9% |
| Warren County | 27 | 23 | 0 | 0.0% |
| Franklin County | 25 | 24 | 0 | 0.0% |
| Clarion County | 22 | 18 | 0 | 0.0% |
| Dauphin County | 20 | 17 | 0 | 0.0% |
| Delaware County | 13 | 10 | 0 | 0.0% |
| Adams County | 11 | 7 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 393 applications in 2025, of which 305 were originated and 14 denied.
3.6% of all applications, or 4.4% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Tidewater Mortgage Services originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology