Applications / Mortgage Analytics / Lenders / Virginia / Tidewater Home Funding
Virginia Beach, VA · Independent non-bank lender · CFPB · 274 loans in 2025
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274
loans originated, 2025
331
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tidewater Home Funding is a Virginia Beach mortgage company that lends to home buyers, with a share of loans to veterans about five times its peers'.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 21.5% of its lending, against 4.2% at similar lenders (independent non-bank lenders making between half and twice as many loans). Another 20.4% were insured by the Federal Housing Administration (FHA). Home purchases were 90.9% of its loans, so this is a buyers' lender with a large government-backed book.
Of its loans, 33.0% went to low- and moderate-income (LMI) borrowers, up from 23.8% last year and higher than at about three in four similar lenders, where the share was 21.3%. None of its loans was higher-priced, a rate well above the average for similar loans, against 1.4% at peers.
Its loans fell 11% to 274 while similar lenders grew 2% and the whole market 10%. In Virginia Beach-Chesapeake-Norfolk its share slipped from 0.5% to 0.4%, ranking it 51 of 577 lenders; in Richmond it fell from 0.2% to 0.1%. Volume has fallen every year since 2020, when it made 1,626 loans. In markets this large, shifts of a tenth of a point could come from a few dozen loans, and a lender that makes 90.9% of its loans to buyers may simply have had fewer home sales to finance.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tidewater Home Funding took 331 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.9% · Refinance 7.3% · Home improvement 1.8%
Conventional 54.4% · VA 21.5% · FHA 20.4% · USDA (RHS or FSA) 3.6% · of 274 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 241 | 88.0% |
| North Carolina | 30 | 10.9% |
| Florida | 3 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 206 |
| Richmond | 22 |
| Charlottesville | 3 |
| Arlington-Alexandria-Reston | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
| Port St. Lucie | 1 |
| Raleigh-Cary | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XL5688T9WLKS84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3883008 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7541969262 | |
| Respondent ID (the HMDA filer code before 2018) | 71516000002 | 2001–2010 |
Established 13 December 1999. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Tidewater Home Funding's data.
Tidewater Home Funding's data
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Tidewater Home Funding and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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