The Bank of Tampa mortgage approval rate & lending review
The Bank of Tampa decided 816 mortgage applications and funded 524 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Bank of Tampa reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Bank of Tampa at a glance
Approval is 2.2 points below the 71.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 67% | 143 / 213 | 85% | $605K | 122 |
| Home improvement loans | 69% | 301 / 434 | 97% | $215K | 293 |
| Cash-out refinance | 67% | 75 / 112 | 93% | $335K | 70 |
| Investment property purchase | 83% | 25 / 30 | 88% | $565K | 22 |
The Bank of Tampa lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 69% | $215K | 815 | 523 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Bank of Tampa lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hillsborough County, FL | Home improvement loans | 69% | 252 | 168 |
| Pinellas County, FL | Home improvement loans | 73% | 86 | 61 |
| Hillsborough County, FL | Cash-out refinance | 67% | 66 | 41 |
| Manatee County, FL | Home improvement loans | 78% | 27 | 21 |
| Sarasota County, FL | Home improvement loans | 87% | 23 | 20 |
| Pasco County, FL | Home improvement loans | 54% | 28 | 15 |
The county markets where The Bank of Tampa made the most loans. Each link opens that market with every lender ranked.
Questions about The Bank of Tampa
What is The Bank of Tampa's mortgage approval rate?
The Bank of Tampa approved 69.0% of the 816 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.2 points below the 71.2% national rate for the same mix of loan types.
How often do borrowers take the loan The Bank of Tampa offers?
Borrowers accepted 93% of the loans The Bank of Tampa approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Bank of Tampa make?
The typical home improvement loan loan The Bank of Tampa made was $215K; across all loan types its typical loan ran from $215K to $605K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Bank of Tampa lend?
The Bank of Tampa decided applications in 2 of the states Fat Boy Data covers, most of them in Florida and North Carolina.
Can I apply to The Bank of Tampa directly?
Yes. The Bank of Tampa is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Bank of Tampa's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Bank of Tampa treats applications, then get a rate quote from the lender.