Applications / Mortgage Analytics / Lenders / Florida / Home Access Financial
Tampa, FL · Independent non-bank lender · CFPB · 103 loans in 2025
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103
loans originated, 2025
145
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Access Financial, a Tampa non-bank lender that began reporting in 2022, makes home-purchase loans with a heavy reliance on loans insured by the Federal Housing Administration (FHA), but its volume has fallen for two years.
Home purchases made up 88.3% of its loans. FHA loans were 45.6% of the total, against 15.0% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That share was higher than more than four in five of them, and it made no loans guaranteed by the Department of Veterans Affairs.
Low- and moderate-income (LMI) borrowers took 32.4% of its loans, up from 23.1% a year earlier and against 19.5% for similar lenders, higher than about three in four of them.
It made 103 loans in 2025, down 21%, after 151 in 2023 and 130 in 2024. The typical similar lender shrank 2% while the market grew 10%. Its volume has moved between 103 and 151 loans a year since it began reporting, and at this size a change of staff or referral partners could account for swings of that order.
Florida is its base, led by Tampa-St. Petersburg-Clearwater, where it ranked 207 of 925 lenders. It now lends in six states and 23 metros, and in 2025 it entered Athens-Clarke County, Morristown and rural Tennessee.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Access Financial took 145 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.3% · Refinance 11.7%
Conventional 54.4% · FHA 45.6% · of 103 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 75 | 72.8% |
| Georgia | 10 | 9.7% |
| South Carolina | 10 | 9.7% |
| North Carolina | 4 | 3.9% |
| Tennessee | 3 | 2.9% |
| Texas | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 38 |
| St. Petersburg-Clearwater-Largo | 9 |
| North Port-Bradenton-Sarasota | 8 |
| Greenville-Anderson-Greer | 4 |
| Tallahassee | 4 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
| Charlotte-Concord-Gastonia | 3 |
| Deltona-Daytona Beach-Ormond Beach | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
| Port St. Lucie | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NZV7NVKXQW9A64 | 2022–2025 |
Established 1 July 2016. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Home Access Financial's data.
Home Access Financial's data
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