Purchase Originations
216
Median Total Costs
$6,434
−3.7% vs national ($6,680)
↓ $428 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,295
Median Lender Credits
—
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 109 | 6.500% | $5,172 | $2,308 |
| fha | 51 | 6.125% | $7,324 | $0 |
| va | 47 | 6.250% | $7,373 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 198 | 6.250% | $6,557 | #83 |
| North Carolina | 16 | 6.312% | $4,114 | — |
| Florida | 2 | 6.438% | $12,778 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,426 | 6.500% | — | 3 | −$5,008 | |
| 2 | $2,855 | 6.500% | — | 5 | −$3,579 | |
| 3 | $2,958 | 6.562% | — | 2 | −$3,476 | |
| 4 | $4,619 | 6.312% | — | 2 | −$1,815 | |
| 5 | $5,626 | 6.000% | — | 3 | −$808 | |
| 6 | $5,684 | 6.375% | — | 39 | −$750 | |
| 7 | $5,789 | 6.125% | — | 14 | −$645 | |
| 8 | $5,999 | 6.250% | — | 15 | −$435 | |
| 9 | $6,065 | 6.188% | — | 2 | −$369 | |
| 10 | $6,130 | 6.500% | — | 37 | −$304 | |
| 11 | $6,252 | 6.562% | — | 6 | −$182 | |
| 12 | $6,337 | 6.000% | — | 12 | −$97 | |
| 13 | $7,067 | 6.375% | — | 4 | +$633 | |
| 14 | $7,245 | 6.250% | — | 7 | +$811 | |
| 15 | $7,373 | 6.125% | — | 21 | +$939 | |
| 16 | $8,944 | 6.000% | — | 10 | +$2,510 | |
| 17 | $9,121 | 6.062% | — | 2 | +$2,687 | |
| 18 | $9,149 | 6.125% | — | 2 | +$2,715 | |
| 19 | $9,300 | 6.312% | — | 2 | +$2,866 | |
| 20 | $9,420 | 5.750% | — | 5 | +$2,986 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Tidewater Home Funding, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,434 | $7,127 | −$693 (−9.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.