Purchase Originations
1,431
Ranked #291 nationally
Median Total Costs
$8,214
+23.0% vs national ($6,680)
↑ $96 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,918
Median Lender Credits
$374
Cost Rank (500+ vol.)
#456
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 640 | 6.625% | $5,417 | $1,764 |
| fha | 491 | 6.250% | $11,409 | $2,088 |
| va | 257 | 6.250% | $9,902 | $2,051 |
| usda | 43 | 6.250% | $6,997 | $2,171 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 546 | 6.500% | $10,223 | #39 |
| Pennsylvania | 272 | 6.500% | $6,219 | #81 |
| South Carolina | 151 | 6.500% | $5,784 | #94 |
| Delaware | 126 | 6.250% | $10,818 | #26 |
| North Carolina | 124 | 6.500% | $6,701 | #135 |
| Florida | 76 | 6.500% | $6,298 | #262 |
| Maryland | 59 | 6.500% | $10,999 | #126 |
| New Jersey | 36 | 6.625% | $8,167 | — |
| West Virginia | 36 | 6.250% | $7,853 | — |
| District of Columbia | 2 | 7.125% | $48,409 | — |
| Tennessee | 2 | 6.188% | $6,620 | — |
| Georgia | 1 | 7.125% | $5,980 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,560 | 6.500% | — | 55 | −$2,654 | |
| 2 | $5,771 | 6.625% | — | 142 | −$2,443 | |
| 3 | $5,922 | 6.625% | — | 27 | −$2,292 | |
| 4 | $5,940 | 6.750% | — | 22 | −$2,274 | |
| 5 | $6,141 | 6.625% | — | 27 | −$2,073 | |
| 6 | $6,192 | 6.500% | — | 22 | −$2,022 | |
| 7 | $6,306 | 6.438% | — | 18 | −$1,908 | |
| 8 | $7,149 | 6.500% | — | 108 | −$1,065 | |
| 9 | $7,334 | 6.500% | — | 38 | −$880 | |
| 10 | $7,643 | 6.500% | — | 31 | −$571 | |
| 11 | $7,771 | 6.688% | — | 20 | −$443 | |
| 12 | $8,209 | 6.500% | — | 34 | −$5 | |
| 13 | $8,452 | 6.500% | — | 61 | +$238 | |
| 14 | $8,788 | 6.500% | — | 60 | +$574 | |
| 15 | $9,219 | 6.250% | — | 20 | +$1,005 | |
| 16 | $9,671 | 6.500% | — | 51 | +$1,457 | |
| 17 | $10,297 | 6.562% | — | 32 | +$2,083 | |
| 18 | $10,913 | 6.250% | — | 61 | +$2,699 | |
| 19 | $11,361 | 6.250% | — | 31 | +$3,147 | |
| 20 | $11,593 | 6.375% | — | 21 | +$3,379 |
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 Mortgage Services, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $8,214 | $7,127 | +$1,087 (+15.3%) |
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.