Tampa Mortgage Lending in 2025

Explore mortgage lending activity in Tampa (MSA/MD Code 45294) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 45294
36,617 Loans Originated
• Primary State: Florida (FL)
• $13.78 Billion Originated Volume
• $335,000 Median Loan
Actionable Applications 47,547 -0.30% vs 2024
Approval Rate 80.69% -0.80 pp vs 2024
Denial Rate 19.31% +0.80 pp vs 2024
Loan Originations 36,617 -1.16% vs 2024
Originated Volume $13.78 Billion +0.52% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 47,547 actionable applications (Actions 1, 2, and 3).

80.69%
19.31%
38,366 approved 9,181 denied
Action 1: Originated
36,617 (77.01%)
Action 2: Approved not accepted
1,749 (3.68%)
Action 3: Denied
9,181 (19.31%)
Action 4: Withdrawn (not in denominator)
10,965 —
Action 5: Incomplete (not in denominator)
3,288 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Tampa Compares

Metro vs. State Baseline (2025)

Metric Tampa Florida
Actionable Apps 47,547 399,809
Approval Rate 80.69% 78.90%
Denial Rate 19.31% 21.10%
Originations 36,617 301,023
Originated Volume $13.78 Billion $118.41 Billion
Median Loan $335,000 $335,000
Compared against Florida statewide baseline in 2025.

Lending Trends in Tampa

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 61,719 61,800 +0.13%
Actionable Apps 47,688 47,547 -0.30%
Originations 37,046 36,617 -1.16%
Approval Rate 81.49% 80.69% -0.80 pp
Denial Rate 18.51% 19.31% +0.80 pp
Median Loan $335,000 $335,000 0.00%
Dollar Volume $13.71 Billion $13.78 Billion +0.52%

Applications by Borrower Income (Tampa)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 11,310 86.16% 13.84%
$150k+ 12,130 89.06% 10.94%
$50k–$99,999 16,899 79.14% 20.86%
<$50k 3,864 47.54% 52.46%
Income unavailable/entity 3,344 77.96% 22.04%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Florida (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 45294, anchored in Florida (FL).
Metro Share of State Apps 11.89%
Metro Share of State Volume 11.64%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Florida statewide mortgage activity

Tampa is part of OpenFileData’s statewide coverage of Florida. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Florida Statewide Overview Active Profile
Statewide Actionable Applications: 399,809
Explore Florida State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Florida Profile

Compare all metropolitan areas located in Florida.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.