The Bank of Tampa at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
12th24.9% deniedProcesswithdrawn + incomplete share, weight 15%
75th6.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 437 | 268 | 29.8% | 31.6% | — | $90M |
| 2024 | 345 | 198 | 32.5% | 34.7% | — | $95M |
| 2025 | 385 | 251 | 23.4% | 24.9% | — | $149M |
What The Bank of Tampa lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 16 investment properties.
Who gets approved at The Bank of Tampa
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 15 | 44.4% |
| $100k – $150k | 43 | 28 | 32.6% |
| $150k – $250k | 78 | 45 | 33.8% |
| Over $250k | 211 | 150 | 15.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 18 | 29.0% |
| 35–44 | 96 | 63 | 28.3% |
| 45–54 | 91 | 53 | 28.9% |
| 55–64 | 83 | 58 | 23.5% |
| 65–74 | 46 | 31 | 17.1% |
| Over 74 | 25 | 19 | 20.8% |
Where The Bank of Tampa lends
7 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 374 | 243 | 24.1% | — | #281 |
| North Carolina | 6 | 6 | 0.0% | — | #713 |
Frequently asked questions
The Bank of Tampa denied 24.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 12th percentile of small mortgage lenders.
In 2025, 32% of its applications were for home purchases, 17% for refinancing (including cash-out), and 50% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.