Tidewater Mortgage Services, Inc. mortgage approval rate & lending review
Tidewater Mortgage Services, Inc. decided 4,009 mortgage applications and funded 3,768 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Tidewater Mortgage Services, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to tidewatermortgage.com.
Tidewater Mortgage Services, Inc. at a glance
Approval is 7.7 points above the 86.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 3,357 / 3,550 | 100% | $285K | 3,350 |
| Home improvement loans | 99% | 68 / 69 | 100% | $265K | 68 |
| Cash-out refinance | 81% | 46 / 57 | 93% | $235K | 43 |
| Refinance | 92% | 65 / 71 | 100% | $325K | 65 |
| Investment property purchase | 94% | 216 / 231 | 100% | $225K | 216 |
Tidewater Mortgage Services, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 95% | $335K | 1,466 | 1,396 |
| South Carolina | 96% | $265K | 604 | 580 |
| Pennsylvania | 96% | $245K | 554 | 528 |
| Delaware | 91% | $295K | 491 | 447 |
| Florida | 91% | $215K | 379 | 342 |
| North Carolina | 93% | $255K | 254 | 235 |
| New Jersey | 97% | $455K | 120 | 116 |
| Maryland | 83% | $285K | 100 | 83 |
| West Virginia | 100% | $265K | 21 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Tidewater Mortgage Services, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Horry County, SC | Mortgage lenders | 98% | 463 | 452 |
| Virginia Beach city, VA | Mortgage lenders | 97% | 424 | 410 |
| Chesapeake city, VA | Mortgage lenders | 96% | 248 | 239 |
| Sussex County, DE | Mortgage lenders | 88% | 259 | 229 |
| Norfolk city, VA | Mortgage lenders | 96% | 181 | 174 |
| Hampton city, VA | Mortgage lenders | 91% | 146 | 133 |
| Kent County, DE | Mortgage lenders | 94% | 121 | 114 |
| Cumberland County, PA | Mortgage lenders | 98% | 112 | 109 |
| Newport News city, VA | Mortgage lenders | 95% | 101 | 96 |
| Horry County, SC | Investment property purchase | 92% | 99 | 91 |
| New Castle County, DE | Mortgage lenders | 97% | 90 | 87 |
| York County, PA | Mortgage lenders | 93% | 88 | 82 |
The county markets where Tidewater Mortgage Services, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Tidewater Mortgage Services, Inc.
What is Tidewater Mortgage Services, Inc.'s mortgage approval rate?
Tidewater Mortgage Services, Inc. approved 94.2% of the 4,009 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.7 points above the 86.5% national rate for the same mix of loan types.
How often do borrowers take the loan Tidewater Mortgage Services, Inc. offers?
Borrowers accepted 100% of the loans Tidewater Mortgage Services, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Tidewater Mortgage Services, Inc. make?
The typical home purchase mortgage loan Tidewater Mortgage Services, Inc. made was $285K; across all loan types its typical loan ran from $225K to $325K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Tidewater Mortgage Services, Inc. lend?
Tidewater Mortgage Services, Inc. decided applications in 13 of the states Fat Boy Data covers, most of them in Virginia, South Carolina and Pennsylvania.
Can I apply to Tidewater Mortgage Services, Inc. directly?
Yes. Tidewater Mortgage Services, Inc. reports as a direct lender that takes applications from borrowers. Its website is tidewatermortgage.com.
Does this page show Tidewater Mortgage Services, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Tidewater Mortgage Services, Inc. treats applications, then get a rate quote from the lender.