The Bank of Tampa Mortgage Lending & HMDA Data, 2024
In 2024, The Bank of Tampa of Tampa, FL reported 345 mortgage applications totaling $169.7 million, down 21% from 2023. The average application was for $491,782, and applicants reported an average income of $459,915. 57% of its applications resulted in an originated loan and 32% were denied. Its largest markets were Tampa, FL (220), St. Petersburg-Clearwater-Largo, FL (65) and North Port-Sarasota-Bradenton, FL (39) (applications in parentheses).
| Mortgage Company & Address | The Bank of Tampa 601 Bayshore Blvd #100 Tampa, FL 33603 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 |
| Total Number of Mortgage Applications | 345 |
| Total Mortgage Loan Application Amount | $169,665,000 |
| Average Mortgage Loan Application Amount | $491,782 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $459,915 |
| Highest Applicant Income | $6,384,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Bank of Tampa filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hillsborough, Florida | 208 | $ 94,310,000 | $ 453,413 | $ 427,000 |
| Pinellas, Florida | 65 | $ 37,055,000 | $ 570,076 | $ 429,000 |
| Manatee, Florida | 25 | $ 11,735,000 | $ 469,400 | $ 539,000 |
| Sarasota, Florida | 14 | $ 10,420,000 | $ 744,285 | $ 839,000 |
| Pasco, Florida | 12 | $ 3,580,000 | $ 298,333 | $ 233,000 |
| Charlotte, Florida | 5 | $ 3,485,000 | $ 697,000 | $ 355,000 |
| Polk, Florida | 5 | $ 1,205,000 | $ 241,000 | $ 142,000 |
| Jackson, North Carolina | 3 | $ 2,645,000 | $ 881,666 | $ 988,000 |
| Indian River, Florida | 2 | $ 1,240,000 | $ 620,000 | $ 501,000 |
| Citrus, Florida | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Collier, Florida | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| Seminole, Florida | 1 | $ 1,055,000 | $ 1,055,000 | $ 800,000 |
| Brooks, Georgia | 1 | $ 265,000 | $ 265,000 | $ 114,000 |
| Mecklenburg, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 1,925,000 | $ 1,925,000 | $ 5,152,000 |
Mortgage Loan Application Detail Totals for The Bank of Tampa in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 144 | $40,530,000 | $281,000 | $1,505,000 | $324,000 | $3,371,000 |
| Home Purchase | 90 | $88,460,000 | $982,000 | $7,005,000 | $605,000 | $6,384,000 |
| Other Purpose | 83 | $29,045,000 | $349,000 | $2,005,000 | $471,000 | $5,152,000 |
| Cash-out Refinancing | 24 | $10,820,000 | $450,000 | $1,925,000 | $755,000 | $5,152,000 |
| Refinancing | 4 | $810,000 | $202,000 | $295,000 | $88,000 | $127,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 247 | $115,275,000 | $466,000 | $2,545,000 | $458,000 | $6,384,000 |
| Not Provided | 42 | $19,200,000 | $457,000 | $1,655,000 | $361,000 | $1,133,000 |
| Hispanic | 31 | $7,355,000 | $237,000 | $895,000 | $273,000 | $2,317,000 |
| Asian | 13 | $14,505,000 | $1,115,000 | $7,005,000 | $444,000 | $2,540,000 |
| American Indian or Alaskan Native | 5 | $7,205,000 | $1,441,000 | $2,965,000 | $2,414,000 | $5,152,000 |
| Not applicable | 5 | $5,885,000 | $1,177,000 | $2,665,000 | $0 | $0 |
| Black or African American | 2 | $240,000 | $120,000 | $155,000 | $121,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 345 | $169,665,000 | $491,000 | $7,005,000 | $457,000 | $6,384,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 198 | $94,620,000 | $477,000 | $2,965,000 | $537,000 | $6,384,000 |
| Application Denied By Financial Institution | 112 | $44,340,000 | $395,000 | $2,665,000 | $229,000 | $3,371,000 |
| Application Withdrawn By Applicant | 22 | $21,820,000 | $991,000 | $7,005,000 | $691,000 | $2,652,000 |
| Application Approved But Not Accepted | 13 | $8,885,000 | $683,000 | $2,005,000 | $956,000 | $5,152,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 345 | $169,665,000 | $491,000 | $7,005,000 | $457,000 | $6,384,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Bank of Tampa's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Bank of Tampa's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Florida, download the full spreadsheet
with aggregated HMDA statistics today.
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