Mortgage lending in Tampa, FL
56,342 mortgages were originated in the Tampa, FL area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 56,342
- Median rate
- 6.562%
- Median lender fees
- $7,509
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $275,000
- Above the going rate (spread over APOR)
- 0.220
- Paid discount points
- 43%
- Received lender credits
- 25%
- Purchases / refinances
- 59.7% / 23%
- Conventional / FHA / VA
- 67.9% / 21.1% / 10.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 75.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Tampa, FL area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 6,064 | $9,618 | 6.375% |
| Rocket Mortgage, LLC | 3,499 | $5,936 | 6.625% |
| Suncoast Credit Union | 3,215 | $3,862 | 7.500% |
| Lennar Mortgage, LLC | 2,125 | $6,969 | 4.625% |
| DHI Mortgage Company, Ltd. | 1,806 | $8,774 | 4.875% |
| Click n' Close, Inc. | 1,205 | $6,297 | 7.250% |
| Pennymac Loan Services, LLC | 1,174 | $7,722 | 6.499% |
| Crosscountry Mortgage, Inc. | 998 | $9,513 | 6.740% |
| Navy Federal Credit Union | 902 | $2,598 | 7.750% |
| Bank of America, National Association | 850 | $5,074 | 6.240% |