The Bank of Tampa in Florida vs the state
24.1%Denial rate+3.00 pts vs state
25.6%Decision denial rate-1.67 pts vs state
65.0%Origination rate+12.28 pts vs state
—Median rate
—Rate spread (pts)
$303kMedian applicant income
243Loans originated
90Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 430 | 265 | 29.8% | — | #253 |
| 2024 | 339 | 192 | 33.0% | — | #294 |
| 2025 | 374 | 243 | 24.1% | — | #281 |
What The Bank of Tampa lends in Florida
By loan purpose
By loan type
Where in Florida
Counties with the most The Bank of Tampa applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 210 | 134 | 54 | 25.7% |
| Pinellas County | 93 | 58 | 21 | 22.6% |
| Sarasota County | 24 | 19 | 3 | 12.5% |
| Pasco County | 21 | 11 | 10 | 47.6% |
| Manatee County | 16 | 13 | 1 | 6.3% |
| Polk County | 3 | 2 | 0 | 0.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Citrus County | 1 | 1 | 0 | 0.0% |
| Walton County | 1 | 1 | 0 | 0.0% |
| Charlotte County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 374 applications in 2025, of which 243 were originated and 90 denied.
24.1% of all applications, or 25.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Bank of Tampa's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology