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Tidewater Home Funding

Independent Mortgage Company•Chesapeake, VAHQ•Direct•Reviews near you on Google

Tidewater Home Funding has 284 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

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Report Card

Tidewater Home Funding performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+4.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume172
Mix60.6%
Spread
+0.083%Above
Fees
$3,427Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume55
Mix19.4%
Spread
+0.266%Above
Fees
$3,020Fees
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume53
Mix18.7%
Spread
-0.425%Below
Fees
$2,368Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume270
Mix95.1%
Spread
+0.026%Above
Fees
$3,268Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through—
Volume14
Mix4.9%
Spread
+0.185%Above
Fees
$2,455Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
284
Applications
346
Volume
$100 million
Pricing & Closing
Avg Rate Spread
+0.040%
vs. market APOR
Avg Net Fees
$3,198
Origination − Credits
Pullthrough Rate
82.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$352,570
Avg Borrower Income
$155,021
Avg Property Value
$446,303

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South3
FLNCVA

Top Metro Areas by Place Specialization Score

1© Greyfiveys · CC BY-SA 4.0
Virginia Beach, VA-NCMetro
Volume 181Mix 63.73% of portfolio
80/100
Exceptional
2© Billy Hathorn · CC BY-SA 3.0
Richmond, VAMetro
Volume 55Mix 19.37% of portfolio
67/100
Strong

Top States by Place Specialization Score

Virginia
Virginia
1
VirginiaState
Volume 258Mix 90.85% of portfolio
80/100
Strong
North Carolina
North Carolina
2
North CarolinaState
Volume 25Mix 8.80% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.