Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Pasco County, Florida
Every institution that decided a 1–4 unit mortgage application in Pasco County, home to Zephyrhills, between 2023 and 2025: 69,500 applications, 51,833 loans actually funded, across 8 kinds of borrowing.
Pasco County at a glance
69,500Applications decided
2023–2025
51,833Loans funded
75% of decisions
130Census tracts
26 ZIP codes
588,758People
ACS 2023
What the data shows
The typical purchase mortgage here is $315K.
Investment home improvement is the hardest money to get here: lenders approved 46% of 236 applications.
Lending by loan type in Pasco County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.4% | 41,818 | $315K | 97% | 641 |
| Home improvement loans | 54.9% | 7,236 | $75K | 91% | 175 |
| Cash-out refinance | 63.7% | 8,951 | $175K | 94% | 324 |
| Refinance | 69.1% | 5,835 | $325K | 89% | 299 |
| Investment property purchase | 85.8% | 4,287 | $245K | 96% | 408 |
| Investment cash-out refinance | 68.8% | 762 | $175K | 91% | 161 |
| Investment refinance | 63.2% | 375 | $205K | 86% | 124 |
| Investment home improvement | 46.2% | 236 | $95K | 91% | 56 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.