Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Pinellas County, Florida
Every institution that decided a 1–4 unit mortgage application in Pinellas County, home to St. Petersburg, between 2023 and 2025: 73,368 applications, 52,072 loans actually funded, across 8 kinds of borrowing.
Pinellas County at a glance
73,368Applications decided
2023–2025
52,072Loans funded
71% of decisions
273Census tracts
46 ZIP codes
960,565People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 49% of 799 applications.
Lending by loan type in Pinellas County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.8% | 31,529 | $345K | 96% | 750 |
| Home improvement loans | 58.1% | 12,174 | $75K | 89% | 191 |
| Cash-out refinance | 65.7% | 10,847 | $195K | 94% | 367 |
| Refinance | 68.2% | 7,224 | $175K | 92% | 353 |
| Investment property purchase | 84.1% | 7,590 | $315K | 96% | 638 |
| Investment cash-out refinance | 69.2% | 2,061 | $255K | 91% | 229 |
| Investment refinance | 65.1% | 1,144 | $285K | 89% | 239 |
| Investment home improvement | 48.8% | 799 | $175K | 89% | 117 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.