Tampa VA Loan Rates, Closing Costs & Stats

TAMPA-ST. PETERSBURG-CLEARWATER, FL

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Tampa's 376 lenders originated 19,054 VA loans during 2021. The total origination value was $5,887,520,000, with an average VA loan value of $308,991.

Tampa VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Tampa averaged 0.48% for the week of 2022-11-25, compared to the national average (all VA variants) of 0% for the same period.

Tampa's average VA mortgage closing costs are $5,933.

The average rate for the prior week (2022-11-18) was 6.57% and one month ago for the week of 2022-10-21, the average rate was 7.31%.

The average rate one year ago was 3.5%.

For refis of the same type during the week of 2022-11-25, the average rate was -0.08%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Tampa VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Tampa level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
FREEDOM MORTGAGE CORPORATION 1,615 2.49% $3,840
QUICKEN LOANS, LLC 1,489 2.47% $5,458
Mortgage Research Center, LLC 1,254 2.83% $7,686
UNITED WHOLESALE MORTGAGE, LLC 893 2.56% $6,776
PENNYMAC LOAN SERVICES, LLC 754 2.42% $6,100
CALIBER HOME LOANS, INC. 698 2.63% $6,978
NAVY FEDERAL CREDIT UNION 534 2.49% $6,882
NEW DAY FINANCIAL, LLC 446 2.83% $8,668
EAGLE HOME MORTGAGE, LLC 436 3.21% $5,803
LOANDEPOT.COM, LLC 431 2.56% $5,743
HOME POINT FINANCIAL CORPORATION 420 2.54% $6,745
USAA Federal Savings Bank 357 2.84% $5,451
LAKEVIEW LOAN SERVICING, LLC 313 2.50% $2,546
VILLAGE CAPITAL MORTGAGE 299 2.36% $3,211
DHI MORTGAGE COMPANY, LTD. 267 2.75% $7,711
Mr. Cooper ( Nationstar Mortgage ) 244 2.85% $3,092
HOMEBRIDGE FINANCIAL SERVICES, INC. 240 2.70% $7,899
CLEARPATH LENDING 231 2.32% $4,147
Wells Fargo Bank 185 2.46% $5,857
NEWREZ LLC 173 2.69% $4,790
CROSSCOUNTRY MORTGAGE, LLC 170 2.88% $8,767
GUARANTEED RATE, INC. 160 2.68% $7,460
The Federal Savings Bank 158 2.59% $9,250
PENTAGON FEDERAL CREDIT UNION 149 2.34% $3,189
AMERICAN FINANCIAL NETWORK, INC. 138 2.69% $14,456
FBC MORTGAGE, LLC 138 2.84% $6,535
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 136 2.89% $8,547
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 121 2.84% $7,787
Lakeview Community Capital, LLC 118 2.46% $2,355
AMERIFIRST FINANCIAL CORPORATION 107 3.24% $7,271
VAN DYK MORTGAGE CORPORATION 101 2.93% $8,235
Carrington Mortgage Services, LLC 99 3.14% $5,203
PULTE MORTGAGE LLC 95 2.90% $4,066
PLANET HOME LENDING, LLC 91 2.49% $3,408
MOVEMENT MORTGAGE, LLC 90 2.89% $6,927
THE MORTGAGE FIRM, INC. 88 3.05% $8,627
AMERISAVE MORTGAGE CORPORATION 81 2.68% $7,784
M/I FINANCIAL, LLC 78 2.66% $9,716
MUTUAL OF OMAHA MORTGAGE, INC. 77 2.93% $7,941
First Federal Bank 73 3.16% $8,445
Low VA Rates, LLC 73 2.41% $3,744
First Guaranty Mortgage Corporation 72 2.48% $4,630
Barrington Bank & Trust Company, N.A. 71 2.78% $7,299
BROKER SOLUTIONS, INC. 69 2.55% $7,634
GERSHMAN INVESTMENT CORP. 67 2.95% $7,167
Hancock Whitney Bank 66 2.48% $9,297
GUARANTEED RATE AFFINITY, LLC 65 2.53% $7,295
Truist 64 2.64% $7,149
Mortgage Lenders Investment Trading Corporation 57 3.02% $3,886
InterContinental Capital Group, Inc 56 2.39% $4,636
Flagstar Bank, FSB 55 2.68% $7,559
SUN WEST MORTGAGE COMPANY, INC. 53 2.53% $4,517
NFM, INC. 53 2.96% $10,882
NVR Mortgage Finance, Inc. 51 2.88% $6,459
Paramount Residential Mortgage Group, Inc. 49 2.94% $9,553
The Home Loan Expert LLC 49 2.47% $6,704
LENDUS, LLC 48 2.98% $9,757
Commerce Home Mortgage, Inc. 46 2.81% $9,726
South Pacific Financial Corporation 46 2.66% $10,490
North American Savings Bank, F.S.B. 44 2.42% $7,319
Mid-Continent Funding, Inc. 43 2.75% $8,194
Nations Lending Corporation 42 2.83% $5,656
HOMESPIRE MORTGAGE CORPORATION 41 3.13% $8,443
NP, Inc. 39 2.58% $6,915
PRIMARY RESIDENTIAL MORTGAGE, INC. 39 3.04% $10,768
ACCELERATE MORTGAGE, LLC 38 2.27% $5,690
NBKC BANK 38 2.47% $6,896
Regions Bank 37 2.90% $8,454
Equity Prime Mortgage LLC 36 3.48% $5,270
CMG MORTGAGE, INC. 36 2.94% $8,616
OPEN MORTGAGE, LLC 35 2.77% $7,490
EMM LOANS LLC 32 2.70% $9,663
LOANPAL, LLC 32 2.47% $7,854
GUILD MORTGAGE COMPANY 30 2.89% $6,437
HAMILTON HOME LOANS, INC. 30 2.90% $8,046
BNC National Bank 29 2.32% $5,272
Magnolia Bank 29 2.50% $7,885
CELEBRITY HOME LOANS, LLC 29 3.02% $8,074
AMERICAN PACIFIC MORTGAGE CORPORATION 28 2.88% $9,976
MICHIGAN MUTUAL, INC. 28 3.06% $9,344
KELLER MORTGAGE, LLC 27 2.83% $7,450
ABSOLUTE HOME MORTGAGE CORPORATION 27 3.01% $7,826
South State Bank 26 2.62% $10,641
UNION HOME MORTGAGE CORP. 26 2.49% $7,161
AmeriHome Mortgage Company, LLC 25 2.80% $2,759
PARK SQUARE HOME MORTGAGE, LLC 25 2.80% $5,583
SOVEREIGN LENDING GROUP INCORPORATED 25 2.60% $5,805
AMERICAN FINANCING CORPORATION 24 2.58% $7,786
HOMEOWNERS FINANCIAL GROUP USA, LLC 23 2.80% $10,344
MID AMERICA MORTGAGE, INC. 22 2.91% $5,726
First Home Bank 21 2.80% $9,375
FINANCE OF AMERICA MORTGAGE LLC 20 2.56% $4,840
PREFERRED LENDING SERVICES, LLC 20 3.09% $9,670
Wyndham Capital Mortgage, Inc. 20 2.44% $3,802
NETWORK CAPITAL FUNDING CORPORATION 20 2.59% $5,292
PLAZA HOME MORTGAGE, INC. 19 2.71% $8,142
ARK-LA-TEX FINANCIAL SERVICES, LLC. 19 2.51% $5,387
MATTAMY HOME FUNDING, LLC 18 2.60% $10,124
LEGEND LENDING CORPORATION 17 3.03% $8,745
First Federal Bank of Kansas City 17 2.61% $4,882
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 17 2.60% $8,371
Citizens Bank 17 2.59% $6,489
Ameris Bank 16 2.70% $6,998
SECURITYNATIONAL MORTGAGE COMPANY 16 2.84% $9,350
ZILLOW HOME LOANS, LLC 16 2.49% $10,034
Meridian Bank Corporation 16 2.45% $5,412
HOMESIDE FINANCIAL, LLC 16 2.62% $8,477
CONTOUR MORTGAGE CORPORATION 15 2.84% $7,488
EMBRACE HOME LOANS, INC. 15 2.48% $10,689
CALCON MUTUAL MORTGAGE LLC 15 3.62% $6,463
Prime Choice Funding Inc. 14 2.36% $3,224
TJC Mortgage, Inc. 14 2.31% $5,273
ACADEMY MORTGAGE CORPORATION 14 3.07% $6,625
Paramount Bank 14 2.62% $3,621
LEADERONE FINANCIAL CORPORATION 13 2.80% $15,968
LAND HOME FINANCIAL SERVICES, INC. 13 3.07% $7,704
PRIMELENDING, A PLAINSCAPITAL COMPANY 13 2.87% $9,225
First Mortgage Solutions, LLC 13 2.31% $6,572
KBHS HOME LOANS, LLC 13 3.01% $9,722
CHURCHILL MORTGAGE CORPORATION 13 2.47% $7,049
Bank of England 13 2.87% $6,568
NJ LENDERS CORP. 13 2.76% $5,906
FIRST COMMUNITY MORTGAGE, INC. 12 2.50% $4,705
HOME SOLUTION LENDERS INC. 12 2.64% $8,227
Strong Home Mortgage, LLC 10 2.63% $4,070
FIDELITY FUNDING MORTGAGE CORP. 10 2.48% $8,174
Fifth Third Bank 10 2.85% $4,474
MORTGAGE SOLUTIONS OF COLORADO, LLC 10 2.98% $5,427
U.S. Bank 10 2.74% $7,678
Capital Bank 10 2.39% $6,350
SUCCESS MORTGAGE PARTNERS, INC. 10 2.89% $7,549
Credence Funding Corporation 10 2.28% $3,176
GENEVA FINANCIAL, LLC 9 3.04% $11,164
EQUITY RESOURCES, INC. 9 2.74% $7,401
Northpointe Bank 9 2.81% $4,066
UNIVERSITY LENDING GROUP, LLC 9 3.08% $6,468
Hometown Lenders, Inc. 9 2.75% $9,257
Plains Commerce Bank 8 2.89% $5,456
Waterstone Mortgage Corporation 8 2.70% $10,310
Austin Capital Bank SSB 8 2.72% $13,088
NATIONS DIRECT MORTGAGE, LLC 8 3.36% $7,659
Patriot Lending Services, Inc. 7 3.07% $6,363
West Town Bank & Trust 7 2.70% $8,653
Capital City Home Loans, LLC 7 3.09% $5,783
First Savings Bank 7 2.84% $6,927
PREMIA MORTGAGE, LLC 7 2.54% $8,386
KS StateBank 7 2.27% $3,907
First Horizon Bank 7 2.96% $7,430
MILEND, INC. 7 3.84% $5,167
Evolve Bank & Trust 7 2.70% $4,131
Sunflower Bank 6 2.52% $9,506
1ST FINANCIAL, INC. 6 2.58% $6,804
CERTAINTY HOME LOANS, LLC 6 2.67% $8,516
GSF Mortgage Corporation 6 2.96% $5,579
THRIVE MORTGAGE, LLC 6 2.79% $5,984
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 6 3.00% $12,925
VANDERBILT MORTGAGE AND FINANCE, INC. 6 2.92% $2,345
ROYAL UNITED MORTGAGE LLC 6 2.73% $9,538
HOMESTAR FINANCIAL CORPORATION 6 2.81% $17,922
METROPLEX MORTGAGE SERVICES, INC. 6 2.90% $4,685
STEARNS LENDING, LLC 5 2.60% $3,322
ALL WESTERN MORTGAGE, INC. 5 3.52% $3,540
Wolfe Financial, Inc 5 3.00% $8,322
PNC Bank 5 2.70% $8,514
Synovus Bank 5 2.60% $12,586
LADERA LENDING, INC. 5 2.85% $4,330
S1L, Inc. 5 3.08% $4,172
ANGEL OAK HOME LOANS LLC 5 2.93% $10,369
Presidential Bank, FSB 5 2.50% $2,420
Centennial Bank 5 2.50% $5,414
ROSS MORTGAGE CORPORATION 5 3.00% $8,030
PHH Mortgage Corporation 5 2.90% $3,256
AMERICAN FINANCIAL RESOURCES, INC. 5 3.80% $7,142
CHAMPIONS MORTGAGE LLC 5 2.80% $7,507
OCMBC, INC. 5 3.50% $4,599
Armed Forces Bank 4 2.47% $4,317
JPMorgan Chase Bank 4 3.03% $5,523
FAIRWAY FUNDING GROUP, INC. 4 2.72% $11,902
EVERETT FINANCIAL, INC. 4 3.47% $12,081
Bell Bank 4 2.69% $3,941
Republic Bank & Trust Company 4 2.63% $2,750
V.I.P. MORTGAGE, INC. 4 2.72% $10,141
DRAPER AND KRAMER MORTGAGE CORP. 4 2.44% $1,687
DAS Acquisition Company, LLC 4 2.72% $2,009
Beach Community Mortgage Services, Inc. 4 2.41% $7,463
Century Mortgage Company DBA Century Lending Company 4 2.94% $8,464
Ixonia Bank 4 2.66% $8,558
NATIONS RELIABLE LENDING, LLC 4 2.91% $5,116
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 4 2.90% $2,010
FLAT BRANCH MORTGAGE, INC. 3 3.33% $9,808
Alcova Mortgage LLC 3 3.04% $4,419
ALLIED MORTGAGE GROUP, INC. 3 2.63% $14,932
AMCAP MORTGAGE, LTD. 3 2.13% $4,170
AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 2.38% $6,525
ARC HOME LLC 3 2.33% $4,963
ASPIRE FINANCIAL, INC. 3 2.79% $7,857
Bank of America 3 2.88% $6,308
CHERRY CREEK MORTGAGE, LLC 3 2.58% $5,009
Colonial Savings, F.A. 3 2.92% $3,448
Eagle Bank and Trust Company 3 2.58% $13,908
ENVOY MORTGAGE, LTD 3 2.88% $14,803
FirstBank 3 2.71% $363
Gateway First Bank 3 2.96% $8,543
Goldwater Bank, N.A. 3 3.00% $21,999
GVC MORTGAGE, INC. 3 2.75% $7,975
INLANTA MORTGAGE, INC. 3 2.75% $9,451
INTERCAP LENDING INC. 3 2.25% $2,894
INTERCOASTAL MORTGAGE COMPANY 3 2.58% $10,083
INTERLINC MORTGAGE SERVICES, LLC 3 2.92% $10,458
LOANFLIGHT LENDING, LLC 3 2.25% $2,534
ML Mortgage Corp. 3 3.08% $9,137
MORTGAGE EQUITY PARTNERS LLC 3 2.92% $13,130
NATIONWIDE MORTGAGE BANKERS, INC. 3 3.00% $7,333
POLARIS HOME FUNDING CORP. 3 2.92% $9,932
RESOURCE FINANCIAL SERVICES, INC. 3 2.46% $6,049
Service Federal Credit Union 3 2.79% $7,587
SOUTHWEST FUNDING, LP 3 3.08% $20,950
SWBC MORTGAGE CORPORATION 3 3.08% $4,373
T2 FINANCIAL LLC 3 3.21% $4,379
Texana Bank 3 2.58% $7,878
TOP FLITE FINANCIAL, INC. 3 2.79% $16,538
TOWNE MORTGAGE COMPANY 3 2.83% $9,643
United Fidelity Funding Corp. 3 3.17% $10,902
NTFN, INC. 2 3.06% $11,849
INSPIRE HOME LOANS INC. 2 3.25% $3,967
HOMESTEAD FUNDING CORP. 2 2.25% $2,355
HomePromise Corporation 2 2.88% $29,299
M&T Bank 2 2.63% $4,983
Gulf Coast Bank and Trust Company 2 2.50% $4,333
GUARANTY HOME MORTGAGE CORPORATION 2 2.81% $14,230
GTE Federal Credit Union 2 3.13% $7,540
AMERICAN ADVISORS GROUP 2 2.44% $3,028
NBH Bank 2 2.50% $7,392
GREAT WESTERN FINANCIAL SERVICES, INC. 2 2.94% $10,008
Neighborhood Loans, Inc. 2 2.88% $7,468
George Mason Mortgage, LLC 2 2.50% $5,431
NORWICH COMMERCIAL GROUP, INC. 2 2.25% $3,848
FIRST HOME MORTGAGE CORPORATION 2 2.75% $3,966
First Heritage Mortgage, LLC 2 2.88% $5,481
OCEANSIDE MORTGAGE COMPANY 2 2.25% $706
FIRST CENTENNIAL MORTGAGE CORPORATION 2 2.88% $3,368
OVM FINANCIAL, INC. 2 2.63% $9,800
DIRECT MORTGAGE LOANS, LLC 2 2.63% $6,542
AHL FUNDING 2 2.94% $9,311
PROPER RATE, LLC 2 2.81% $3,743
Prosperity Home Mortgage, LLC 2 2.81% $25,169
CityWorth Mortgage LLC 2 2.56% $4,226
VYSTAR 2 2.56% $7,354
Christensen Financial, Inc. 2 3.25% $3,875
Sierra Pacific Mortgage Company, Inc. 2 2.56% $8,182
SIRVA MORTGAGE, INC. 2 3.19% $18,368
SIWELL, INC. 2 2.63% $2,774
STOCKTON MORTGAGE CORPORATION 2 3.00% $4,676
Summit Mortgage Corporation 2 3.25% $4,118
BAY EQUITY LLC 2 2.88% $15,252
TD Bank 2 3.13% $4,479
ACHIEVA CREDIT UNION 2 2.63% $4,072
Atlantic Coast Mortgage, LLC 2 2.63% $7,634
TIAA, FSB 2 2.50% $5,783
TIDEWATER MORTGAGE SERVICES, INC. 2 2.75% $5,408
Triumph Bank 2 2.25% $4,667
AmRes Corporation 2 2.31% $5,767
Union Savings Bank 2 2.81% $16,546
UNITED MORTGAGE CORP. 2 2.63% $5,956
UNITED SECURITY FINANCIAL CORP 2 2.00% $3,562
Amerifirst Financial, Inc. 2 2.88% $8,233
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 2.69% $2,956
American Momentum Bank 2 2.56% $4,049
LENDING 3, INC. 2 3.06% $7,953
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 2 2.56% $3,618
Keystone Funding, Inc. 2 2.56% $1,472
Financial Funding Solutions, Inc. 1 2.38% $17,886
FIDELITY BANK 1 2.38% $6,305
FAMILY FIRST FUNDING LLC 1 2.50% $3,804
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 3.25% $23,735
ELGA CREDIT UNION 1 3.00% $11,138
PERFORMANCE MORTGAGE LLC 1 2.25% $3,865
Elements Financial Federal Credit Union 1 2.63% $2,598
PILGRIM MORTGAGE LLC 1 2.99% $8,671
PINNACLE LENDING GROUP, INC. 1 2.50% $6,798
EagleBank 1 2.25% $5,868
DYBN FINANCIAL CORP. 1 2.75% $10,159
Trustmark National Bank 1 2.50% $11,979
DELMAR FINANCIAL COMPANY 1 3.00% $4,600
UNION CAPITAL MORTGAGE CORPORATION 1 2.88% $2,133
CRESCENT MORTGAGE COMPANY 1 2.88% $5,693
COUNTRYPLACE MORTGAGE, LTD. 1 4.38% $3,401
CORNERSTONE HOME LENDING, INC. 1 2.25% $7,103
Core Bank 1 2.25% $4,188
COLUMBUS CAPITAL LENDING, LLC 1 2.75% $6,439
Colten Mortgage, LLC 1 2.38% $2,891
A Mortgage Boutique, LLC 1 2.25% $4,010
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.88% $2,947
1ST PREFERENCE MORTGAGE CORP. 1 2.75% $9,854
CITYWIDE HOME LOANS, LLC 1 2.25% $3,758
RAPID MORTGAGE COMPANY 1 3.00% $7,434
City National Bank of Florida 1 3.88% $6,044
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 3.00% $4,747
RESIDENTIAL BANCORP. 1 2.25% $4,443
RESIDENTIAL HOME MORTGAGE CORPORATION 1 2.88% $4,703
RESIDENTIAL MORTGAGE SERVICES, INC. 1 3.13% $3,073
Lend Smart Mortgage, LLC 1 2.88% $3,303
City Bank 1 2.50% $8,763
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.25% $2,578
CIBC Bank USA 1 2.50% $4,974
RUOFF MORTGAGE COMPANY, INC. 1 3.25% $3,749
JET HOMELOANS, LLC 1 2.88% $17,271
Seacoast National Bank 1 2.75% $3,643
Cf Bank 1 2.38% $1,994
Watermark Capital, Inc. 1 2.38% $1,813
MCLEAN MORTGAGE CORPORATION 1 2.25% $0
UNIVERSAL LENDING CORPORATION 1 2.88% $29,120
MEGA CAPITAL FUNDING, INC. 1 2.38% $2,091
SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 2.50% $4,449
SOUTHERN TRUST MORTGAGE, LLC 1 2.38% $0
CapStar Bank 1 2.75% $3,383
Cadence Bank, N.A. 1 2.38% $4,572
Advisors Mortgage Group, L.L.C. 1 2.50% $16,754
Blue Ridge Bank 1 3.00% $13,293
SPACE COAST Credit Union 1 3.13% $10,007
SRE MORTGAGE ALLIANCE INC. 1 2.25% $6,186
BLUELEAF LENDING, LLC 1 2.25% $19,823
AMERICAN MORTGAGE SERVICE COMPANY 1 3.13% $4,018
BETTER MORTGAGE CORPORATION 1 2.50% $16,692
BEST CAPITAL FUNDING 1 2.38% $1,373
American Mortgage and Insurance Inc. 1 3.13% $3,761
BECKAM FUNDING CORP. 1 4.38% $11,206
BAYSHORE MORTGAGE FUNDING, LLC 1 3.25% $4,374
ACOPIA, LLC 1 3.25% $500
Midwest Community Bank 1 2.88% $12,869
INTELLILOAN, INC. 1 2.50% $4,173
US MORTGAGE CORPORATION 1 3.25% $7,856
VERITAS FUNDING, LLC 1 3.25% $11,246
MORIA DEVELOPMENT, INC. 1 2.75% $17,633
MORTGAGE 1 INCORPORATED 1 3.63% $4,592
MORTGAGE ACCESS CORP. 1 2.75% $14,132
Victorian Finance, LLC 1 2.88% $19,426
IMPAC MORTGAGE CORP. 1 2.25% $0
Hometown Equity Mortgage, LLC 1 3.25% $10,220
WESTERN EXPRESS LENDING 1 2.38% $4,315
Valley National Bank 1 2.25% $3,946
Home Mortgage Alliance Corp 1 3.13% $3,085
KEESLER 1 3.50% $2,900
HANCOCK MORTGAGE PARTNERS, LLC 1 3.00% $9,201
MYCUMORTGAGE, LLC 1 2.75% $7,931
BAY CAPITAL MORTGAGE CORPORATION 1 2.88% $2,052
BANKSOUTH MORTGAGE COMPANY, LLC 1 2.75% $3,053
Lincoln FSB of Nebraska 1 2.25% $2,914
Assurance Financial Group, L.L.C. 1 2.25% $4,641
GROUP ONE MORTGAGE, INC. 1 2.88% $17,165
AMERICAN HOME LENDING USA, LLC 1 2.75% $6,254
LOANLEADERS OF AMERICA, INC. 1 3.25% $8,276
APEX HOME LOANS, INC. 1 3.13% $725
GoPrime Mortgage, Inc. 1 2.25% $2,374
GMFS LLC 1 2.25% $4,547
Academy Bank 1 2.25% $10,618
F&M Bank 1 2.38% $8,719
Florida Capital Bank 1 2.25% $11,410
First State Bank of St. Charles, Missouri 1 2.75% $10,425
NORTHERN MORTGAGE SERVICES, LLC 1 2.88% $4,457
First Midwest Bank 1 2.25% $4,486
NORTHPOINT MORTGAGE, INC. 1 2.88% $10,026
Northwest Federal Credit Union 1 3.13% $3,426
TOWN AND COUNTRY Credit Union 1 2.25% $11,879
NOVA FINANCIAL & INVESTMENT CORPORATION 1 3.00% $2,901
Towne Bank 1 2.88% $2,895
JAMES B. NUTTER & COMPANY 1 2.75% $4,330
1ST SIGNATURE LENDING, LLC 1 2.75% $3,707
LIBERTY HOME MORTGAGE CORPORATION 1 2.25% $6,068
FIRST EQUITY MORTGAGE BANKERS, INC. 1 2.88% $2,428
Old Second National Bank 1 2.25% $4,830
Opendoor Home Loans LLC 1 2.25% $22,715
TruHome Solutions, LLC 1 2.63% $12,799
Loan Simple, Inc. 1 2.88% $27,225
PANORAMA MORTGAGE GROUP, LLC 1 3.25% $11,044
FIRST ALLIANCE HOME MORTGAGE, LLC 1 2.88% $8,580

The top Tampa VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 1,615 VA loans originated. Their average total fees are $3,840, which is $1,618 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Tampa VA lenders (with over 10 loans originated) are Lakeview Community Capital, LLC ($2,355), LAKEVIEW LOAN SERVICING, LLC ($2,546), AmeriHome Mortgage Company, LLC ($2,759), Mr. Cooper ( Nationstar Mortgage ) ($3,092) and Credence Funding Corporation ($3,176).

The lowest rate Tampa VA lenders (with over 10 loans originated) are ACCELERATE MORTGAGE, LLC (2.27%), Credence Funding Corporation (2.28%), First Mortgage Solutions, LLC (2.31%), TJC Mortgage, Inc. (2.31%) and BNC National Bank (2.32%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Tampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $266,250 (6.5%) $395,404 (3.4%) 0.99 13,116
2018-02-01 $267,722 (4.0%) $394,093 (0.9%) 0.97 13,297
2018-03-01 $269,900 (3.8%) $398,001 (0.9%) 0.95 13,383
2018-04-01 $277,750 (4.8%) $408,751 (2.1%) 0.94 13,195
2018-05-01 $278,320 (3.1%) $405,554 (0.7%) 0.93 13,361
2018-06-01 $279,000 (3.3%) $405,178 (0.6%) 0.93 13,524
2018-07-01 $276,545 (2.5%) $401,501 (0.9%) 0.92 13,653
2018-08-01 $274,748 (1.8%) $400,348 (1.0%) 0.92 13,824
2018-09-01 $269,040 (-0.2%) $391,554 (-0.6%) 0.90 14,120
2018-10-01 $269,700 (0.9%) $394,349 (0.0%) 0.91 14,643
2018-11-01 $269,020 (0.1%) $390,669 (-1.6%) 0.91 15,344
2018-12-01 $267,000 (0.8%) $385,355 (-2.1%) 0.92 15,537
2019-01-01 $265,495 (-0.3%) $385,715 (-2.5%) 0.92 15,824
2019-02-01 $269,900 (0.8%) $393,071 (-0.3%) 0.91 16,085
2019-03-01 $274,242 (1.6%) $400,684 (0.7%) 0.90 15,596
2019-04-01 $279,900 (0.8%) $405,565 (-0.8%) 0.89 14,790
2019-05-01 $283,950 (2.0%) $408,307 (0.7%) 0.89 14,374
2019-06-01 $285,000 (2.2%) $410,055 (1.2%) 0.89 14,219
2019-07-01 $285,000 (3.1%) $406,639 (1.3%) 0.89 13,866
2019-08-01 $282,182 (2.7%) $405,432 (1.3%) 0.89 13,799
2019-09-01 $280,954 (4.4%) $405,723 (3.6%) 0.90 13,768
2019-10-01 $280,000 (3.8%) $407,224 (3.3%) 0.90 13,740
2019-11-01 $279,900 (4.0%) $409,532 (4.8%) 0.92 13,420
2019-12-01 $279,325 (4.6%) $411,754 (6.9%) 0.93 13,070
2020-01-01 $276,495 (4.1%) $415,583 (7.7%) 0.92 12,635
2020-02-01 $280,000 (3.7%) $422,293 (7.4%) 0.92 12,404
2020-03-01 $283,968 (3.6%) $425,486 (6.2%) 0.89 12,289
2020-04-01 $279,900 (0.0%) $413,404 (1.9%) 0.88 12,487
2020-05-01 $285,000 (0.4%) $426,037 (4.3%) 0.87 11,641
2020-06-01 $294,500 (3.3%) $448,252 (9.3%) 0.87 9,797
2020-07-01 $299,000 (4.9%) $463,422 (14.0%) 0.87 8,787
2020-08-01 $299,999 (6.3%) $470,591 (16.1%) 0.86 8,159
2020-09-01 $304,950 (8.5%) $481,156 (18.6%) 0.87 7,787
2020-10-01 $309,900 (10.7%) $479,991 (17.9%) 0.89 7,864
2020-11-01 $304,950 (9.0%) $476,542 (16.4%) 0.89 7,688
2020-12-01 $299,995 (7.4%) $477,271 (15.9%) 0.89 7,060
2021-01-01 $299,900 (8.5%) $493,342 (18.7%) 0.90 5,764
2021-02-01 $299,450 (7.0%) $508,539 (20.4%) 0.87 4,769
2021-03-01 $303,450 (6.9%) $515,609 (21.2%) 0.86 3,933
2021-04-01 $320,480 (14.5%) $533,578 (29.1%) 0.87 3,553
2021-05-01 $335,245 (17.6%) $537,985 (26.3%) 0.89 3,633
2021-06-01 $349,900 (18.8%) $549,727 (22.6%) 0.92 4,064
2021-07-01 $350,000 (17.1%) $563,293 (21.6%) 0.92 4,672
2021-08-01 $359,500 (19.8%) $565,783 (20.2%) 0.96 4,874
2021-09-01 $366,375 (20.1%) $560,428 (16.5%) 0.98 4,817
2021-10-01 $375,000 (21.0%) $587,427 (22.4%) 1.00 4,715
2021-11-01 $381,500 (25.1%) $597,607 (25.4%) 1.02 4,429
2021-12-01 $377,450 (25.8%) $597,292 (25.2%) 1.02 4,076
2022-01-01 $385,000 (28.4%) $626,033 (26.9%) 1.04 3,406
2022-02-01 $394,250 (31.7%) $641,859 (26.2%) 1.03 2,998
2022-03-01 $399,900 (31.8%) $660,902 (28.2%) 1.00 3,090
2022-04-01 $420,000 (31.1%) $665,661 (24.8%) 1.00 3,439
2022-05-01 $437,598 (30.5%) $673,348 (25.2%) 1.00 4,897
2022-06-01 $449,450 (28.5%) $667,717 (21.5%) 1.00 6,280
2022-07-01 $444,000 (26.9%) $644,853 (14.5%) 1.00 8,652
2022-08-01 $437,450 (21.7%) $619,324 (9.5%) 1.01 9,642
2022-09-01 $429,450 (17.2%) $613,221 (9.4%) 1.01 10,091
2022-10-01 $425,000 (13.3%) $612,544 (4.3%) 1.00 10,290
Tampa's median listing price for 2022-10-01 was $425,000, a difference of $50,000 (13.3%) versus the prior year and $-4,450 versus the prior month.

Tampa's median listing price comes in at 100% of the national average.

Tampa's average listing price for 2022-10-01 was $612,544, a difference of $25,117 (4.3%) versus the prior year and $-677 versus the prior month.

For the 2022-10-01 period, Tampa had 10,290 MLS listings, a difference of 199 listings (2%) versus the prior month and 5,575 listings (118%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Tampa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 66 days 1,790 sqft
2018-02-01 58 days 1,797 sqft
2018-03-01 51 days 1,811 sqft
2018-04-01 53 days 1,829 sqft
2018-05-01 52 days 1,830 sqft
2018-06-01 54 days 1,836 sqft
2018-07-01 58 days 1,827 sqft
2018-08-01 58 days 1,824 sqft
2018-09-01 59 days 1,788 sqft
2018-10-01 57 days 1,797 sqft
2018-11-01 57 days 1,781 sqft
2018-12-01 61 days 1,755 sqft
2019-01-01 70 days 1,744 sqft
2019-02-01 65 days 1,753 sqft
2019-03-01 58 days 1,775 sqft
2019-04-01 58 days 1,796 sqft
2019-05-01 60 days 1,819 sqft
2019-06-01 59 days 1,828 sqft
2019-07-01 59 days 1,820 sqft
2019-08-01 60 days 1,813 sqft
2019-09-01 62 days 1,808 sqft
2019-10-01 64 days 1,804 sqft
2019-11-01 60 days 1,787 sqft
2019-12-01 65 days 1,774 sqft
2020-01-01 68 days 1,761 sqft
2020-02-01 60 days 1,769 sqft
2020-03-01 52 days 1,757 sqft
2020-04-01 56 days 1,734 sqft
2020-05-01 66 days 1,746 sqft
2020-06-01 69 days 1,754 sqft
2020-07-01 58 days 1,754 sqft
2020-08-01 51 days 1,746 sqft
2020-09-01 49 days 1,712 sqft
2020-10-01 46 days 1,697 sqft
2020-11-01 47 days 1,674 sqft
2020-12-01 52 days 1,660 sqft
2021-01-01 57 days 1,630 sqft
2021-02-01 43 days 1,610 sqft
2021-03-01 37 days 1,612 sqft
2021-04-01 35 days 1,628 sqft
2021-05-01 32 days 1,635 sqft
2021-06-01 30 days 1,641 sqft
2021-07-01 33 days 1,630 sqft
2021-08-01 32 days 1,628 sqft
2021-09-01 36 days 1,625 sqft
2021-10-01 36 days 1,632 sqft
2021-11-01 38 days 1,647 sqft
2021-12-01 54 days 1,621 sqft
2022-01-01 41 days 1,608 sqft
2022-02-01 32 days 1,607 sqft
2022-03-01 30 days 1,601 sqft
2022-04-01 27 days 1,613 sqft
2022-05-01 24 days 1,645 sqft
2022-06-01 27 days 1,687 sqft
2022-07-01 29 days 1,702 sqft
2022-08-01 37 days 1,714 sqft
2022-09-01 44 days 1,720 sqft
2022-10-01 51 days 1,707 sqft
Tampa's median listing age (time on market) for 2022-10-01 was 51 days. This is 42% longer than the same period one year ago.

Tampa's median square footage for active listings during the 2022-10-01 period was 1,707 sqft. One year prior, the average listing was 1,632 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.