Applications / Mortgage Analytics / Lenders / Virginia / Tidewater Mortgage Services
Virginia Beach, VA · Independent non-bank lender · CFPB · 1,730 loans in 2025
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1,730
loans originated, 2025
2,588
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tidewater Mortgage Services is a home-purchase lender with an unusually large business in manufactured homes and government-backed loans.
Home purchases made up 93.3% of its 1,730 loans. Almost half were government-backed: 29.9% insured by the Federal Housing Administration (FHA) and 15.7% guaranteed by the Department of Veterans Affairs (VA), against 6.5% for VA at similar lenders (independent non-bank lenders making between half and twice as many loans).
Manufactured homes were 11.3% of its loans, against 0.9% at similar lenders, higher than at almost all of them. That may help explain a typical loan of $285,000, smaller than peers' $315,000.
Of its loans, 34.1% went to low- and moderate-income (LMI) borrowers and 22.6% to LMI neighborhoods, against 28.5% and 19.1% at similar lenders. Its higher-priced share, loans with a rate well above the average for similar loans, was 1.8%, a little below peers' 2.3%.
Its loans fell 7% while similar lenders grew 6% and the whole market 10%. In Virginia Beach-Chesapeake-Norfolk its share fell from 1.5% to 1.1%, ranking it 22 of 577; in Myrtle Beach it fell from 1.5% to 1.2%. Rivals there include United Wholesale Mortgage and DHI Mortgage Company. With 93.3% of its lending in home purchases, its volume may depend more than most on how many homes sell in its markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage Services took 2,588 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.3% · Refinance 6.2% · Home improvement 0.5%
Conventional 51.9% · FHA 29.9% · VA 15.7% · USDA (RHS or FSA) 2.5% · of 1,730 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 | 708 | 40.9% |
| Pennsylvania | 305 | 17.6% |
| South Carolina | 187 | 10.8% |
| North Carolina | 141 | 8.2% |
| Delaware | 135 | 7.8% |
| Florida | 91 | 5.3% |
| Maryland | 67 | 3.9% |
| New Jersey | 47 | 2.7% |
| West Virginia | 42 | 2.4% |
| Tennessee | 3 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 488 |
| Myrtle Beach-Conway-North Myrtle Beach | 176 |
| Richmond | 115 |
| Wilmington | 56 |
| Tampa | 50 |
| Harrisburg-Carlisle | 48 |
| Wilmington | 37 |
| Dover | 35 |
| Lakewood-New Brunswick | 28 |
| York-Hanover | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005R34FLBMCPWB41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3883017 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7541870627 | |
| Respondent ID (the HMDA filer code before 2018) | 71179000006 | 1999–2007 |
Established 30 October 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Tidewater Mortgage Services's data.
Tidewater Mortgage Services's data
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Tidewater Mortgage Services 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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