Tidewater Mortgage Services in Virginia vs the state
5.5%Denial rate-10.49 pts vs state
7.6%Decision denial rate-12.68 pts vs state
66.5%Origination rate+6.96 pts vs state
6.50%Median rate-0.13 pts vs state
0.22Rate spread (pts)0.00 pts vs state
$97kMedian applicant income
708Loans originated
58Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,135 | 898 | 5.1% | 6.75% | #56 |
| 2024 | 1,001 | 770 | 3.8% | 6.50% | #75 |
| 2025 | 1,065 | 708 | 5.5% | 6.50% | #70 |
What Tidewater Mortgage Services lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Tidewater Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Virginia Beach city | 196 | 140 | 8 | 4.1% |
| Suffolk city | 98 | 66 | 6 | 6.1% |
| Chesapeake city | 95 | 74 | 2 | 2.1% |
| Hampton city | 85 | 63 | 5 | 5.9% |
| Norfolk city | 64 | 47 | 2 | 3.1% |
| Accomack County | 57 | 28 | 10 | 17.5% |
| Portsmouth city | 43 | 27 | 4 | 9.3% |
| Chesterfield County | 38 | 27 | 0 | 0.0% |
| Newport News city | 36 | 23 | 2 | 5.6% |
| Caroline County | 26 | 14 | 6 | 23.1% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 1,065 applications in 2025, of which 708 were originated and 58 denied.
5.5% of all applications, or 7.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Tidewater Mortgage Services originated in Virginia 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 Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology