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Florida Mortgage Brokerage

Hillsborough and Pinellas Counties

Mortgage options in Tampa Bay

Published market figures for Tampa Bay, with the source and period for each, and the loan programs most relevant here.

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Market data

The Tampa Bay market, with its sources

Published figures for this market, each with the geography it measures, the period it covers and the source it came from. Where a figure covers a wider metro area than this page, it says so.

A median sale price is not a valuation, a closed-sales count is not a count of mortgages written, and neither is an indication of what any lender will approve. Figures are as reported on the date shown and are not updated continuously.

What is different here

What those figures mean in Tampa Bay

Each point below reads the figures above rather than restating them. They are the things that are true of this market and not of Florida generally.

  1. Hillsborough is the largest county this site publishes by reported mortgage volume: 30,459 originations in 2025, of which 21,803 (71.6%) were conventional, 5,434 (17.8%) FHA and 3,199 (10.5%) VA.

  2. Hillsborough County's 2026 FHA limit is $541,287 and its conforming limit is $832,750 — a gap of $291,463, the widest proportional split of any county published here. Against a Tampa-St.Petersburg-Clearwater MSA median single-family price of $400,000 there is FHA headroom at the midpoint, but it runs out well below the conforming ceiling, and that is the range where the programme choice is actually decided.

  3. Single-family and attached housing are moving apart in this metro. The single-family median rose 0.5% to $400,000 while the condo and townhouse median fell 2.5% to $253,500, on 1.0% more condo sales.

  4. A bank-statement loan is not a loan without underwriting, and the distinction matters most in a market with this much self-employment. Income is evidenced differently — business or personal deposits over a period instead of tax returns — but it is still evidenced, and credit, reserves, the property and the appraisal are all still underwritten. Which lenders offer it, over how many months, and on what terms varies, so availability has to be confirmed for the specific file rather than assumed.

Start here instead

Pathways that apply anywhere in Florida

These explain how each program works anywhere in Florida. The market pages above cover what changes locally.