TIDEWATER MORTGAGE SERVICES, INC.
1,730 mortgages originated in 2025 across 7 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,730
- Median rate
- 6.500%
- Median lender fees
- $7,860
- Median loan amount
- $285,000
- Median spread over APOR
- 0.271
- Paid discount points
- 56.9%
- Received lender credits
- 19%
- Purchases / refinances
- 93.3% / 6.2%
- Conventional / FHA / VA
- 51.9% / 29.9% / 15.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.5% of loans here — see methodology.
Where TIDEWATER MORTGAGE SERVICES, INC. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 708 | $9,626 | 6.500% |
| Pennsylvania | 305 | $6,243 | 6.500% |
| South Carolina | 187 | $5,831 | 6.625% |
| North Carolina | 141 | $6,649 | 6.563% |
| Delaware | 135 | $10,738 | 6.250% |
| Florida | 91 | $6,486 | 6.625% |
| Maryland | 67 | $11,519 | 6.500% |