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State markets/Florida/Pinellas County

COUNTY MORTGAGE MARKET · FIPS 12103

Pinellas County, Florida

Who lends in Pinellas County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$7.52B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

19,902

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

20.1%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

777

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 777 lenders that originated in Pinellas County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

210

unconcentrated

Top-5 lender share

26.4%

of originations

Purchase

66.7%

10,442 loans

Refinance

33.3%

5,213 loans

Origination trend

Annual mortgage origination volume and loan count in Pinellas County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Pinellas County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Pinellas County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR PINELLAS COUNTY →

TOP TEN LENDERS IN PINELLAS COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

1,864$690.3M$690.3M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
10$414.3M$414.3M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
1,381$366.3M$366.3M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
9$276.9M$276.9M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
607$238.5M$238.5M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
399$151.4M$151.4M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
401$143.3M$143.3M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
478$124.7M$124.7M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
346$121.4M$121.4M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
556$119.7M$119.7M originated in Pinellas County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Pinellas County

All 48 ZIP Code Tabulation Areas that touch Pinellas County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
48 OF 48 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
77 of the 7 Pinellas County tracts this ZIP area touches sit mostly inside it.37,29115.0%11,339——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Pinellas County tracts this ZIP area touches sit mostly inside it.34,72825.4%11,341——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Pinellas County tracts this ZIP area touches sit mostly inside it.33,98132.4%8,410——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Pinellas County tracts this ZIP area touches sit mostly inside it.33,12615.2%11,564——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Pinellas County tracts this ZIP area touches sit mostly inside it.32,79927.7%8,813——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 15 Pinellas County tracts this ZIP area touches sit mostly inside it.32,25061.4%7,461——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 13 Pinellas County tracts this ZIP area touches sit mostly inside it.31,45926.2%10,575——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 14 Pinellas County tracts this ZIP area touches sit mostly inside it.30,98239.2%9,699——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Pinellas County tracts this ZIP area touches sit mostly inside it.29,50150.4%5,485——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Pinellas County tracts this ZIP area touches sit mostly inside it.28,15437.7%6,530——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Pinellas County tracts this ZIP area touches sit mostly inside it.28,02020.9%9,141——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.27,21315.6%8,645——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 13 Pinellas County tracts this ZIP area touches sit mostly inside it.26,05516.6%9,168——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 12 Pinellas County tracts this ZIP area touches sit mostly inside it.25,53526.0%7,272——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
99 of the 13 Pinellas County tracts this ZIP area touches sit mostly inside it.25,52116.6%8,958——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 15 Pinellas County tracts this ZIP area touches sit mostly inside it.24,89070.2%5,261——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 11 Pinellas County tracts this ZIP area touches sit mostly inside it.24,24921.7%9,061——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Pinellas County tracts this ZIP area touches sit mostly inside it.23,63528.9%6,909——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Pinellas County tracts this ZIP area touches sit mostly inside it.22,30820.8%7,493——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 7 Pinellas County tracts this ZIP area touches sit mostly inside it.22,07427.7%6,225——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.22,06422.9%7,370——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 10 Pinellas County tracts this ZIP area touches sit mostly inside it.21,81234.0%6,512——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 15 Pinellas County tracts this ZIP area touches sit mostly inside it.20,91922.9%6,159——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 9 Pinellas County tracts this ZIP area touches sit mostly inside it.20,56934.0%4,597——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.19,34063.0%3,369——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.19,14137.5%1,929——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Pinellas County tracts this ZIP area touches sit mostly inside it.19,08444.3%3,307——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 11 Pinellas County tracts this ZIP area touches sit mostly inside it.18,02723.7%3,219——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Pinellas County tracts this ZIP area touches sit mostly inside it.17,93119.7%6,132——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 10 Pinellas County tracts this ZIP area touches sit mostly inside it.17,72341.3%3,991——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.17,04020.2%6,407——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Pinellas County tracts this ZIP area touches sit mostly inside it.16,46623.5%5,302——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 12 Pinellas County tracts this ZIP area touches sit mostly inside it.15,44716.7%5,040——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Pinellas County tracts this ZIP area touches sit mostly inside it.15,30910.4%6,601——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.15,27224.9%4,510——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 6 Pinellas County tracts this ZIP area touches sit mostly inside it.15,15518.9%5,088——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 9 Pinellas County tracts this ZIP area touches sit mostly inside it.14,97426.7%4,977——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.14,43513.1%5,030——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 10 Pinellas County tracts this ZIP area touches sit mostly inside it.12,85438.7%3,209——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 5 Pinellas County tracts this ZIP area touches sit mostly inside it.11,90513.5%4,042——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 8 Pinellas County tracts this ZIP area touches sit mostly inside it.10,48117.7%3,467——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Pinellas County tracts this ZIP area touches sit mostly inside it.8,46211.4%3,185——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Pinellas County tracts this ZIP area touches sit mostly inside it.7,87610.1%3,402——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Pinellas County tracts this ZIP area touches sit mostly inside it.6,62326.1%2,550——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Pinellas County tracts this ZIP area touches sit mostly inside it.4,72111.1%2,019——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Pinellas County tract this ZIP area touches sit mostly inside it.1,70613.1%648——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 1 tract of Pinellas County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
0This ZIP area clips 1 tract of Pinellas County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

273 of Pinellas County’s 275 census tracts are grouped into the ZIP areas above; the other 2 lie in no ZCTA at all — water, parkland or unpopulated area the Census leaves outside every ZIP polygon — and are listed in the census-tract table below. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Pinellas County

All 275 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

275 OF 275 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper150.5%5,43220.1%OPEN →
Upper165.0%3,83911.2%OPEN →
Upper135.3%1,72510.4%OPEN →
Middle106.9%2,3128.1%OPEN →
Moderate79.7%4,02571.7%OPEN →
Moderate76.7%1,40275.8%OPEN →
Middle106.3%4,72766.7%OPEN →
Upper127.5%3,17851.4%OPEN →
Moderate56.0%4,33063.0%OPEN →
Middle108.0%2,61037.4%OPEN →
Moderate77.5%2,64078.8%OPEN →
Upper120.2%4,40858.7%OPEN →
Middle116.9%3,52965.7%OPEN →
Middle117.6%3,76345.5%OPEN →
Upper135.9%2,27034.5%OPEN →
Moderate54.1%4,14981.8%OPEN →
Middle85.2%3,91589.4%OPEN →
Moderate70.9%3,66191.3%OPEN →
Moderate61.7%5,21988.6%OPEN →
Moderate63.6%3,84388.7%OPEN →
Upper128.5%2,77215.0%OPEN →
—0.0%1,60833.5%OPEN →
Moderate73.4%2,59151.5%OPEN →
Middle95.5%2,52335.5%OPEN →
Middle88.2%3,30449.9%OPEN →
Middle86.9%3,26277.4%OPEN →
Middle96.5%2,24437.7%OPEN →
Middle101.5%2,61732.1%OPEN →
Middle92.2%4,09037.6%OPEN →
Middle96.8%2,76621.6%OPEN →
Upper123.6%3,74317.3%OPEN →
Upper153.2%3,56614.8%OPEN →
Upper136.5%5,06115.8%OPEN →
Moderate79.8%5,21127.1%OPEN →
Middle101.7%3,50129.9%OPEN →
Middle100.5%5,31725.0%OPEN →
Middle96.9%3,40725.7%OPEN →
Upper134.0%4,39826.7%OPEN →
Middle115.5%4,11532.2%OPEN →
Middle80.2%4,59142.6%OPEN →
Middle119.8%3,07735.3%OPEN →
Middle113.0%2,99036.8%OPEN →
Middle89.5%2,60149.4%OPEN →
Moderate59.4%2,68842.6%OPEN →
Middle82.6%2,75533.0%OPEN →
Upper125.5%2,82117.6%OPEN →
Middle102.2%2,31424.7%OPEN →
Upper124.2%1,87928.9%OPEN →
Upper186.7%2,17127.2%OPEN →
—0.0%1,23722.6%OPEN →
Middle101.9%2,16415.8%OPEN →
Upper223.0%1,54319.6%OPEN →
Upper266.5%2,45313.5%OPEN →
Upper195.7%2,33715.4%OPEN →
Middle112.2%2,06416.5%OPEN →
Upper231.3%3,45814.1%OPEN →
Upper181.1%5,22415.8%OPEN →
Upper181.8%4,89014.2%OPEN →
Upper175.2%3,13018.6%OPEN →
Middle107.4%4,62624.3%OPEN →
Middle89.2%2,76928.2%OPEN →
Middle115.5%2,36924.1%OPEN →
Middle103.8%3,85326.4%OPEN →
Middle112.8%4,35927.5%OPEN →
Middle90.1%4,13328.4%OPEN →
Middle90.9%6,04836.5%OPEN →
Middle83.8%4,01036.2%OPEN →
Upper132.0%3,04412.3%OPEN →
Middle91.1%3,55136.0%OPEN →
Upper133.3%4,13020.8%OPEN →
Upper131.1%4,66338.9%OPEN →
Middle108.1%4,59521.5%OPEN →
Middle93.1%6,97434.7%OPEN →
Middle93.8%3,49323.6%OPEN →
Moderate68.7%5,35640.0%OPEN →
Upper143.8%3,61724.9%OPEN →
Low49.4%5,28259.3%OPEN →
Middle99.2%3,00627.5%OPEN →
Middle81.7%4,95347.7%OPEN →
Upper120.9%1,86826.5%OPEN →
Middle83.0%2,07211.4%OPEN →
Middle109.1%3,15433.8%OPEN →
—0.0%1,78839.3%OPEN →
Moderate77.0%3,48839.6%OPEN →
Moderate64.3%3,79435.5%OPEN →
Low45.4%2,95550.3%OPEN →
Low44.9%3,13039.6%OPEN →
Moderate50.1%3,33043.4%OPEN →
Moderate68.6%2,50140.4%OPEN →
Low48.2%3,03844.5%OPEN →
Moderate78.2%4,45329.2%OPEN →
Moderate74.4%2,59931.9%OPEN →
Middle81.9%2,35937.6%OPEN →
Middle98.9%2,76934.2%OPEN →
Moderate73.2%5,56336.8%OPEN →
Moderate79.8%4,09638.0%OPEN →
Moderate71.7%6,80239.7%OPEN →
Middle88.5%4,33138.3%OPEN →
Moderate57.2%3,77840.6%OPEN →
Middle110.3%3,20543.3%OPEN →
Middle87.7%6,39236.8%OPEN →
Middle108.6%4,50223.0%OPEN →
Middle93.0%3,87935.8%OPEN →
Upper138.7%5,07721.8%OPEN →
Upper137.7%5,64523.6%OPEN →
Middle112.4%4,20924.2%OPEN →
Middle99.4%4,88533.6%OPEN →
Middle80.1%2,87713.1%OPEN →
Middle110.5%2,11022.8%OPEN →
Moderate61.9%3,03022.4%OPEN →
Moderate63.5%2,91436.3%OPEN →
Moderate55.3%2,63428.8%OPEN →
Moderate63.3%2,93027.2%OPEN →
Middle111.2%3,19221.5%OPEN →
Middle81.2%2,89715.5%OPEN →
Middle118.4%4,09815.5%OPEN →
Middle109.0%2,46611.6%OPEN →
Moderate67.1%4,17718.9%OPEN →
Middle102.7%5,95717.3%OPEN →
Middle92.7%3,0929.6%OPEN →
Middle100.0%3,46615.4%OPEN →
Middle88.2%2,91315.7%OPEN →
Middle94.0%3,24316.1%OPEN →
Middle85.2%3,12419.7%OPEN →
Moderate76.8%2,04918.9%OPEN →
Upper163.8%5,68617.3%OPEN →
Upper139.3%3,51013.9%OPEN →
Upper127.8%4,84615.5%OPEN →
Upper126.5%5,16712.2%OPEN →
Middle107.0%1,89211.7%OPEN →
Middle100.2%3,41416.3%OPEN →
Upper179.1%3,79512.0%OPEN →
Moderate76.9%6,75836.2%OPEN →
Middle89.4%1,54513.4%OPEN →
Middle85.0%4,28022.3%OPEN →
Upper152.5%2,96511.0%OPEN →
Middle108.1%2,53711.8%OPEN →
Moderate62.6%5,09021.3%OPEN →
Moderate67.4%3,17627.8%OPEN →
Middle94.2%4,38949.2%OPEN →
Middle85.8%2,27618.1%OPEN →
Moderate69.0%1,22215.8%OPEN →
Middle81.9%4,07118.0%OPEN →
Middle106.1%4,60324.4%OPEN →
Middle94.7%5,37126.6%OPEN →
Moderate69.3%1,96942.6%OPEN →
Middle107.8%4,78428.3%OPEN →
Middle88.9%3,44724.3%OPEN →
Moderate69.3%2,64723.3%OPEN →
Moderate59.0%2,83824.7%OPEN →
Moderate68.6%3,39230.3%OPEN →
Moderate69.4%2,69314.4%OPEN →
Moderate72.8%2,56229.2%OPEN →
Moderate76.1%4,21037.9%OPEN →
Middle107.9%2,68123.5%OPEN →
Middle119.9%3,63327.3%OPEN →
Middle103.9%4,08922.0%OPEN →
Low37.4%2,21950.5%OPEN →
Moderate69.4%3,48816.2%OPEN →
Moderate79.4%1,40620.1%OPEN →
—0.0%2,51532.3%OPEN →
Middle110.3%3,00831.9%OPEN →
Moderate65.6%3,36035.9%OPEN →
Middle92.7%2,46028.7%OPEN →
Middle86.2%1,39234.1%OPEN →
Upper163.3%4,2409.4%OPEN →
Moderate75.7%4,35356.7%OPEN →
Moderate66.8%3,66445.1%OPEN →
—0.0%2,60527.2%OPEN →
Upper140.7%2,8859.8%OPEN →
Upper158.4%1,67914.1%OPEN →
Upper204.5%1,13613.1%OPEN →
Middle84.0%2,43151.6%OPEN →
Middle96.7%1,36721.1%OPEN →
Low33.7%2,25682.8%OPEN →
Moderate60.1%7,02556.6%OPEN →
Middle99.0%3,40840.9%OPEN →
Moderate57.2%3,11364.7%OPEN →
Moderate67.5%2,90729.5%OPEN →
Moderate62.0%4,51846.3%OPEN →
Middle118.0%3,58328.2%OPEN →
Middle83.3%4,20740.4%OPEN →
Moderate71.2%4,58436.6%OPEN →
Moderate57.9%6,52345.8%OPEN →
Middle95.7%2,87332.3%OPEN →
Middle111.2%3,45830.7%OPEN →
Middle93.7%5,42433.8%OPEN →
Upper138.9%2,54818.9%OPEN →
Upper128.9%6,22417.4%OPEN →
Middle92.1%4,43323.3%OPEN →
Upper122.0%3,29725.5%OPEN →
Middle111.4%2,35310.4%OPEN →
Upper172.4%4,72417.1%OPEN →
Upper127.2%5,66723.3%OPEN →
Upper128.0%5,18722.3%OPEN →
Moderate63.2%4,23153.9%OPEN →
Middle80.3%2,38838.8%OPEN →
Middle81.1%4,36516.1%OPEN →
Middle116.7%2,73324.4%OPEN →
Moderate78.9%4,55325.4%OPEN →
Upper120.6%4,01212.2%OPEN →
Middle82.3%4,58017.4%OPEN →
Moderate64.3%3,99314.1%OPEN →
Moderate60.9%4,03123.0%OPEN →
Moderate78.3%3,25420.1%OPEN →
Moderate77.7%3,67014.7%OPEN →
Middle85.2%2,81720.2%OPEN →
Middle88.7%4,53624.2%OPEN →
Middle100.5%1,22615.8%OPEN →
Middle91.7%4,93720.6%OPEN →
Middle106.3%3,39411.7%OPEN →
Middle99.3%4,4799.5%OPEN →
Moderate54.3%1,55524.6%OPEN →
Middle97.5%2,41111.8%OPEN →
Upper128.7%6,37210.2%OPEN →
Middle119.4%4,70515.1%OPEN →
Upper142.6%6,61916.3%OPEN →
Middle118.4%4,72317.3%OPEN →
Middle115.2%6,84416.8%OPEN →
Moderate73.4%1,2719.3%OPEN →
Middle82.7%4,59910.8%OPEN →
Middle102.4%4,57115.3%OPEN →
Middle108.4%3,56320.1%OPEN →
Middle110.2%4,70626.9%OPEN →
Upper171.1%2,09214.3%OPEN →
Middle98.7%3,01517.4%OPEN →
Middle101.4%3,91713.1%OPEN →
Middle107.8%5,39121.7%OPEN →
Middle81.8%3,78521.4%OPEN →
Middle81.1%5,32230.8%OPEN →
Upper138.8%4,62328.9%OPEN →
Upper153.6%1,50416.6%OPEN →
Moderate78.6%2,71529.7%OPEN →
Middle119.6%3,91015.4%OPEN →
Upper181.5%3,62315.4%OPEN →
Middle96.7%3,61125.5%OPEN →
Middle95.9%4,89534.2%OPEN →
Upper204.0%4,60517.9%OPEN →
Upper173.7%3,92516.3%OPEN →
Moderate76.0%2,32010.1%OPEN →
Middle86.8%2,92212.0%OPEN →
Middle116.7%2,85815.7%OPEN →
Moderate76.1%4,02721.3%OPEN →
Middle93.4%2,64421.6%OPEN →
Moderate71.7%8,01028.0%OPEN →
Middle95.1%6,04211.9%OPEN →
Middle115.9%4,08815.3%OPEN →
Moderate72.6%2,53017.2%OPEN →
Upper123.5%2,14211.5%OPEN →
Upper157.9%2,76210.6%OPEN →
Upper175.1%1,70613.1%OPEN →
Upper158.9%1,53111.2%OPEN →
Middle118.0%2,78512.1%OPEN →
Upper134.1%1,04810.0%OPEN →
Upper121.4%2,40413.4%OPEN →
Upper127.2%1,32911.8%OPEN →
—0.0%2,55413.1%OPEN →
Upper171.9%2,11210.7%OPEN →
Upper146.9%4,47210.2%OPEN →
Upper135.2%3,66010.3%OPEN →
Upper124.2%1,94510.4%OPEN →
Upper153.3%1,6889.5%OPEN →
Upper180.4%1,43211.7%OPEN →
Middle113.7%3,59117.1%OPEN →
Middle98.5%1,94713.2%OPEN →
Moderate76.7%3,4468.2%OPEN →
Middle86.7%2,20616.8%OPEN →
Moderate78.8%3,34429.7%OPEN →
Middle88.0%2,70310.4%OPEN →
Middle106.8%1,95215.8%OPEN →
Upper138.1%3,80729.5%OPEN →
—0.0%2,72524.9%OPEN →
Low34.2%3,12492.1%OPEN →
—0.0%——OPEN →
—0.0%——OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

963,481

Median household income

$72,646

Median home value

$355,100

Median gross rent

$1,642

per month

Owner-occupied

69.5%

of occupied units

Housing units

520,107

17.6% vacant

Poverty rate

11.5%

Unemployment

4.4%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 98.2

Social vulnerability

Relatively Moderate

Community resilience

Very Low

ELEVATED PERILS

Inland flooding Relatively High · Coastal flooding Very High · Hurricane Very High · Tornado Very High · Hail Relatively High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

94

Declarations recorded

45

Incident types on record: Biological, Coastal Storm, Fire, Freezing, Hurricane, Severe Storm, Tornado, Tropical Storm.

Everything we hold on Pinellas County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Pinellas County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Pinellas County →Every reported application and origination in FIPS 12103, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Pinellas County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

1,252

—

Purchase share

47.8%

598 loans

IRRRL refinances

441

Cash-out refinances

213

20261,252—598441213
20251,274—746264264
20241,033—71391229
20231,093—7786309
2022——907367915
20214,183—1,0822,348753
20204,033—1,3292,014690
20192,168—1,271268629
20182,140—1,274165701
20172,580—1,368485727
20162,377—1,268576533
20151,909—1,079468362

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Pinellas County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Pinellas County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

1,376

+21.2% vs 2024

Multifamily · 2025

2,822

+89.1% vs 2024

Total authorized · 2025

4,198

+59.8% vs 2024

Permit valuation · 2025

$1.1B

authorized construction value

Units authorized by year

Pinellas County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420254,198 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Pinellas County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Hillsborough County, FL5,0257,164$489.4M
outflow2223Hillsborough County, FL4,8867,423$419.0M
outflow2223Pasco County, FL3,9536,976$262.7M
outflow2223Other flows - South, DS2,7394,553$184.1M
inflow2223Other flows - South, DS2,3293,664$189.2M
inflow2223Pasco County, FL2,1483,407$129.3M
inflow2223Other flows - Midwest, DS1,7732,703$154.7M
outflow2223Other flows - Midwest, DS1,5742,475$93.0M
outflow2223Other flows - Northeast, DS1,1241,654$75.1M
outflow2223Manatee County, FL1,0371,716$97.0M
inflow2223Other flows - Northeast, DS8151,218$75.5M
outflow2223Other flows - West, DS7661,152$63.2M
inflow2223Other flows - West, DS7111,100$59.7M
inflow2223Manatee County, FL686978$47.1M
inflow2223Orange County, FL612832$71.5M
outflow2223Hernando County, FL576992$37.6M
outflow2223Orange County, FL537753$33.9M
outflow2223Polk County, FL475791$32.3M
inflow2223Lee County, FL416579$34.5M
inflow2223Broward County, FL415578$45.5M
inflow2223Cook County, IL408585$74.8M
inflow2223Miami-Dade County, FL408598$30.1M
inflow2223Sarasota County, FL390521$33.0M
inflow2223Polk County, FL373550$18.5M
outflow2223Citrus County, FL354565$24.0M
outflow2223Sarasota County, FL327496$39.0M
inflow2223Palm Beach County, FL313421$23.2M
inflow2223Los Angeles County, CA302461$35.9M
outflow2223Miami-Dade County, FL278373$18.4M
outflow2223Marion County, FL275455$17.0M
outflow2223Broward County, FL270384$18.3M
outflow2223Lee County, FL259359$19.8M
inflow2223Hernando County, FL258397$13.6M
outflow2223Palm Beach County, FL256336$30.2M
outflow2223Duval County, FL243352$14.8M
inflow2223Duval County, FL238329$15.8M
outflow2223Cook County, IL215275$15.2M
outflow2223Alachua County, FL208286$15.1M
inflow2223Leon County, FL208278$17.3M
outflow2223Brevard County, FL203298$16.9M
inflow2223Suffolk County, NY203289$15.7M
inflow2223Brevard County, FL194266$15.0M
inflow2223Alachua County, FL194277$13.2M
outflow2223Foreign - Overseas, FR184291$17.1M
inflow2223Fulton County, GA183249$48.0M
inflow2223Maricopa County, AZ180265$29.5M
outflow2223Maricopa County, AZ166242$13.1M
outflow2223Volusia County, FL163240$11.3M
inflow2223Seminole County, FL163230$11.4M
inflow2223Volusia County, FL158218$10.1M
outflow2223Lake County, FL157262$15.3M
inflow2223Queens County, NY154224$11.6M
inflow2223Marion County, FL150232$12.8M
inflow2223New York County, NY148201$32.3M
inflow2223San Diego County, CA148226$19.1M
outflow2223Wake County, NC147228$12.9M
outflow2223Seminole County, FL145207$11.8M
outflow2223Los Angeles County, CA143187$15.6M
inflow2223Franklin County, OH140193$18.2M
inflow2223Allegheny County, PA139195$18.5M
inflow2223Collier County, FL137183$19.3M
outflow2223Leon County, FL137187$7.9M
inflow2223Foreign - Overseas, FR136204$15.1M
inflow2223Middlesex County, MA136203$27.2M
outflow2223Sumter County, FL135215$14.8M
inflow2223Nassau County, NY134224$13.1M
outflow2223Osceola County, FL132188$10.1M
outflow2223New York County, NY132147$11.2M
outflow2223Mecklenburg County, NC130177$11.8M
inflow2223Citrus County, FL125178$8.5M
inflow2223Philadelphia County, PA124183$9.7M
inflow2223Osceola County, FL124197$8.7M
outflow2223Fulton County, GA123172$9.8M
inflow2223Clark County, NV122185$11.0M
inflow2223Kings County, NY122215$9.2M
outflow2223Harris County, TX122181$11.5M
inflow2223Cobb County, GA121178$14.4M
inflow2223Fairfax County, VA120203$21.3M
outflow2223Charlotte County, FL120173$7.3M
inflow2223Erie County, NY116166$14.3M
inflow2223Orange County, CA114180$17.6M
inflow2223Harris County, TX114168$10.9M
inflow2223Lake County, FL112158$7.5M
inflow2223King County, WA112168$18.6M
inflow2223Cuyahoga County, OH112173$10.4M
outflow2223King County, WA111162$9.6M
inflow2223Charlotte County, FL110155$6.6M
outflow2223Denver County, CO109129$9.5M
inflow2223Travis County, TX108155$16.0M
inflow2223Mecklenburg County, NC108146$9.8M
inflow2223El Paso County, CO105181$7.4M
outflow2223St. Johns County, FL105161$10.0M
outflow2223Buncombe County, NC104163$10.6M
inflow2223Davidson County, TN104148$8.1M
outflow2223Clark County, NV104147$6.4M
inflow2223Foreign - APO/FPO ZIPs, FR104210$8.8M
inflow2223Capitol Planning Region, CT103131$7.0M
outflow2223San Diego County, CA101145$7.1M
inflow2223Hennepin County, MN99146$15.9M
inflow2223Dallas County, TX99147$10.1M
outflow2223Davidson County, TN99133$6.3M
inflow2223Marion County, IN97145$8.9M
outflow2223Franklin County, OH97149$6.2M
inflow2223Ocean County, NJ95146$8.4M
inflow2223Oakland County, MI95127$13.4M
inflow2223Denver County, CO95124$8.6M
outflow2223Travis County, TX95122$7.0M
inflow2223Bergen County, NJ91160$11.2M
inflow2223Suffolk County, MA90122$11.2M
outflow2223Greenville County, SC90144$7.2M
outflow2223Fairfax County, VA87136$8.8M
outflow2223Kings County, NY87114$6.3M
inflow2223Essex County, MA86121$12.1M
inflow2223Monroe County, NY85124$6.6M
inflow2223Worcester County, MA84129$7.2M
inflow2223Tarrant County, TX84137$7.2M
inflow2223DuPage County, IL83128$6.8M
inflow2223St. Johns County, FL82111$7.9M
outflow2223Middlesex County, MA82119$5.1M
outflow2223DeKalb County, GA82119$5.2M
outflow2223Capitol Planning Region, CT80124$5.4M
inflow2223Wake County, NC79123$10.1M
outflow2223Allegheny County, PA79104$5.2M
inflow2223Hamilton County, OH78113$17.2M
outflow2223Gwinnett County, GA78137$5.8M
inflow2223District of Columbia, DC7799$10.2M
outflow2223Tarrant County, TX77124$6.4M
inflow2223DeKalb County, GA76115$6.2M
outflow2223Dallas County, TX76104$5.5M
inflow2223Jefferson County, CO76116$6.9M
outflow2223Escambia County, FL76106$5.1M
inflow2223Jefferson County, KY75106$8.3M
inflow2223St. Louis County, MO74102$6.5M
inflow2223Wayne County, MI73108$4.5M
outflow2223Cobb County, GA73108$3.8M
inflow2223Okaloosa County, FL72116$9.0M
inflow2223Montgomery County, MD72117$14.5M
outflow2223El Paso County, CO72121$4.3M
outflow2223Foreign - Other flows, FR71117$3.4M
outflow2223Cuyahoga County, OH71103$4.4M
outflow2223Collier County, FL71113$9.2M
inflow2223Monroe County, FL70101$6.4M
outflow2223Hamilton County, OH70101$6.1M
outflow2223Wayne County, MI70110$3.6M
inflow2223Gwinnett County, GA69106$4.0M
outflow2223Foreign - APO/FPO ZIPs, FR69131$7.1M
inflow2223Baltimore County, MD6895$6.8M
inflow2223Westchester County, NY68107$9.4M
outflow2223Erie County, NY6890$3.2M
outflow2223Jefferson County, CO68112$5.0M
inflow2223Montgomery County, PA6687$6.7M
outflow2223Marion County, IN66105$3.7M
inflow2223Bucks County, PA6699$7.6M
inflow2223Sumter County, FL6596$4.5M
outflow2223Hamilton County, TN65108$4.9M
outflow2223Suffolk County, NY6589$3.7M
inflow2223Anne Arundel County, MD6493$7.9M
inflow2223Norfolk County, MA6487$4.8M
outflow2223Oakland County, MI6496$5.4M
inflow2223Hudson County, NJ6399$6.2M
outflow2223Knox County, TN63107$3.6M
outflow2223Queens County, NY6398$3.8M
outflow2223Okaloosa County, FL63109$4.6M
inflow2223Arlington County, VA6286$19.0M
inflow2223Morris County, NJ6191$10.7M
outflow2223Bexar County, TX6191$2.9M
outflow2223Jefferson County, KY6196$3.4M
outflow2223Honolulu County, HI61110$3.5M
inflow2223St. Lucie County, FL60100$4.3M
inflow2223Lake County, IL6096$8.1M
inflow2223Plymouth County, MA5971$7.7M
inflow2223Burlington County, NJ5990$4.7M
outflow2223Philadelphia County, PA5977$3.4M
outflow2223DuPage County, IL5982$5.2M
inflow2223Shelby County, TN5875$7.3M
outflow2223Suffolk County, MA5870$4.4M
outflow2223District of Columbia, DC5877$4.7M
inflow2223Honolulu County, HI5696$3.3M
outflow2223Bay County, FL5675$2.5M
outflow2223Arapahoe County, CO5673$4.6M
inflow2223Arapahoe County, CO5593$5.1M
inflow2223Bay County, FL5582$3.7M
inflow2223Monmouth County, NJ5582$9.5M
outflow2223Santa Clara County, CA55111$4.8M
inflow2223Johnson County, KS5482$7.2M
inflow2223Western Connecticut Planning Regi, CT5476$5.5M
outflow2223Monroe County, NY5484$3.2M
outflow2223St. Lucie County, FL5475$4.6M
inflow2223Onondaga County, NY5373$4.9M
inflow2223Greenville County, SC5367$3.4M
inflow2223Bexar County, TX5383$3.5M
inflow2223Loudoun County, VA5385$8.3M
outflow2223St. Louis County, MO5379$4.9M
outflow2223Montgomery County, MD5368$3.5M
outflow2223Montgomery County, PA5278$2.8M
outflow2223Levy County, FL5284$2.4M
inflow2223Middlesex County, NJ5282$4.1M
inflow2223Bronx County, NY5284$2.7M
inflow2223Chester County, PA5281$7.9M
inflow2223Escambia County, FL5172$3.0M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Pinellas County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals6,630.0
2023PurchaseNo CharacteristicAll Appraisals0.3
2023RefinanceNo CharacteristicAll Appraisals2,558.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals9,188.0
2023PurchaseNo CharacteristicAll Appraisals0.6
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals425,000.0
2023BothNo CharacteristicAll Appraisals440,000.0
2023PurchaseNo CharacteristicAll Appraisals450,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals420,000.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals430,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals5,791.0
2022PurchaseNo CharacteristicAll Appraisals0.2
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals407,000.0
2022BothNo CharacteristicAll Appraisals14,291.0
2022PurchaseNo CharacteristicAll Appraisals8,500.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals357,000.0
2021BothNo CharacteristicAll Appraisals23,841.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals11,369.0
2021PurchaseNo CharacteristicAll Appraisals0.3
2021RefinanceNo CharacteristicAll Appraisals12,472.0
2021PurchaseNo CharacteristicAll Appraisals0.2
2021BothNo CharacteristicAll Appraisals358,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals360,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals23,794.0
2020PurchaseNo CharacteristicAll Appraisals11,125.0
2020PurchaseNo CharacteristicAll Appraisals0.6
2020BothNo CharacteristicAll Appraisals315,000.0
2020RefinanceNo CharacteristicAll Appraisals320,000.0
2020RefinanceNo CharacteristicAll Appraisals12,669.0
2020PurchaseNo CharacteristicAll Appraisals310,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals285,000.0
2019PurchaseNo CharacteristicAll Appraisals10,763.0
2019PurchaseNo CharacteristicAll Appraisals0.3
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals285,000.0
2019BothNo CharacteristicAll Appraisals18,227.0
2019RefinanceNo CharacteristicAll Appraisals7,464.0
2019PurchaseNo CharacteristicAll Appraisals285,000.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals250,000.0
2018BothNo CharacteristicAll Appraisals16,009.0
2018PurchaseNo CharacteristicAll Appraisals10,319.0
2018RefinanceNo CharacteristicAll Appraisals5,690.0
2018BothNo CharacteristicAll Appraisals261,000.0
2018PurchaseNo CharacteristicAll Appraisals269,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.3
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals240,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals16,341.0
2017PurchaseNo CharacteristicAll Appraisals10,223.0
2017PurchaseNo CharacteristicAll Appraisals250,000.0
2017RefinanceNo CharacteristicAll Appraisals6,118.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals245,000.0
2016PurchaseNo CharacteristicAll Appraisals9,792.0
2016RefinanceNo CharacteristicAll Appraisals246,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals235,800.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals240,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.3
2016BothNo CharacteristicAll Appraisals17,201.0
2016RefinanceNo CharacteristicAll Appraisals7,409.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals219,000.0
2015PurchaseNo CharacteristicAll Appraisals0.2
2015RefinanceNo CharacteristicAll Appraisals232,000.0
2015BothNo CharacteristicAll Appraisals14,257.0
2015RefinanceNo CharacteristicAll Appraisals5,461.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals8,796.0
2015BothNo CharacteristicAll Appraisals225,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals211,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Pinellas County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05492,854472,36420,4904.2%
2026-04494,460473,29321,1674.3%
2026-03493,700473,20620,4944.2%
2026-02496,146473,57522,5714.5%
2026-01490,665467,27623,3894.8%
2025-12492,407471,70320,7044.2%
2025-11494,619471,77422,8454.6%
2025-09496,851476,95919,8924.0%
2025-08494,411474,87719,5344.0%
2025-07496,231477,19519,0363.8%
2025-06497,246478,85218,3943.7%
2025-05494,486478,19816,2883.3%
2025-04496,180480,34915,8313.2%
2025-03496,613480,69015,9233.2%
2025-02494,758477,90516,8533.4%
2025-01495,521477,70517,8163.6%
2024-12495,121478,74916,3723.3%
2024-11494,664476,36618,2983.7%
2024-10495,263476,50218,7613.8%
2024-09505,056488,43116,6253.3%
2024-08504,682487,12617,5563.5%
2024-07507,795490,10317,6923.5%
2024-06506,907490,55016,3573.2%
2024-05502,666488,47714,1892.8%
2024-04503,203489,70013,5032.7%
2024-03501,889487,91413,9752.8%
2024-02499,767484,96714,8003.0%
2024-01498,746483,40215,3443.1%
2023-12501,305487,45113,8542.8%
2023-11504,109489,35314,7562.9%
2023-10509,634494,45015,1843.0%
2023-09510,759495,11815,6413.1%
2023-08510,808494,86715,9413.1%
2023-07511,056496,52614,5302.8%
2023-06511,613497,34314,2702.8%
2023-05508,312495,61012,7022.5%
2023-04507,161496,01111,1502.2%
2023-03504,582492,03612,5462.5%
2023-02500,843487,91912,9242.6%
2023-01498,687485,24613,4412.7%
2022-12500,637489,06311,5742.3%
2022-11498,930485,92113,0092.6%
2022-10503,912490,80013,1122.6%
2022-09505,352492,10113,2512.6%
2022-08503,326489,34413,9822.8%
2022-07504,429490,91113,5182.7%
2022-06503,169488,81814,3512.9%
2022-05500,369487,98412,3852.5%
2022-04496,726484,63812,0882.4%
2022-03496,794483,44113,3532.7%
2022-02493,149478,51714,6323.0%
2022-01492,365475,52916,8363.4%
2021-12490,796476,73714,0592.9%
2021-11489,815473,22316,5923.4%
2021-10491,310474,10917,2013.5%
2021-09491,443472,97318,4703.8%
2021-08489,098468,62120,4774.2%
2021-07490,689469,48721,2024.3%
2021-06489,408466,77722,6314.6%
2021-05482,371462,47419,8974.1%
2021-04479,024458,63820,3864.3%
2021-03476,957455,64421,3134.5%
2021-02474,289452,34621,9434.6%
2021-01473,191449,50123,6905.0%
2020-12475,394451,14824,2465.1%
2020-11474,630448,78825,8425.4%
2020-10479,434451,57727,8575.8%
2020-09477,634444,16833,4667.0%
2020-08477,518441,60535,9137.5%
2020-07485,516433,20252,31410.8%
2020-06477,886428,83249,05410.3%
2020-05477,129413,54763,58213.3%
2020-04444,414383,38761,02713.7%
2020-03473,560453,44120,1194.2%
2020-02481,255468,16513,0902.7%
2020-01478,633464,13214,5013.0%
2019-12479,858467,22012,6382.6%
2019-11479,713465,83813,8752.9%
2019-10483,118469,00014,1182.9%
2019-09486,019471,58414,4353.0%
2019-08483,774468,02415,7503.3%
2019-07486,030470,08015,9503.3%
2019-06484,516468,71015,8063.3%
2019-05479,122464,95814,1643.0%
2019-04475,566462,17213,3942.8%
2019-03475,090460,16414,9263.1%
2019-02475,476460,44915,0273.2%
2019-01472,323455,48216,8413.6%
2018-12474,009459,10114,9083.1%
2018-11473,581458,44815,1333.2%
2018-10477,958462,42315,5353.3%
2018-09478,825463,31615,5093.2%
2018-08477,084460,46616,6183.5%
2018-07482,278465,21617,0623.5%
2018-06480,947463,29817,6493.7%
2018-05475,538460,12815,4103.2%
2018-04471,512456,24815,2643.2%
2018-03470,905454,54416,3613.5%
2018-02469,412452,66716,7453.6%
2018-01465,062447,18017,8823.8%

BEA Personal Income

2024$75.62B965,870$78K
2023$71.65B967,301$74K
2022$65.87B964,693$68K
2021$63.16B959,703$66K
2020$58.21B959,839$61K
2019$54.38B958,718$57K
2018$51.62B958,492$54K
2017$49.19B955,834$51K
2016$46.29B949,274$49K
2015$45.02B938,216$48K
2014$42.74B929,213$46K
2013$40.15B922,904$44K
2012$39.86B917,811$43K
2011$40.05B916,326$44K
2010$38.48B915,980$42K
2009$36.11B915,330$39K
2008$37.75B916,458$41K
2007$38.01B918,624$41K
2006$37.05B924,182$40K
2005$35.33B929,426$38K
2004$33.35B928,305$36K
2003$31.89B926,266$34K
2002$30.98B925,102$33K
2001$30.31B923,850$33K
2000$29.86B922,150$32K
1999$27.66B917,379$30K
1998$26.93B913,032$29K
1997$25.36B904,564$28K
1996$23.84B896,030$27K
1995$22.69B891,519$25K
1994$21.22B884,441$24K
1993$20.68B877,340$24K
1992$19.29B872,202$22K
1991——$21K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Pinellas County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-07-07$0——Yes
2026-05-25$0$0$0Yes
2026-05-24$0$0$0Yes
2026-05-23$0——No
2026-01-20$18K$18K$0Yes
2025-12-25$0——Yes
2025-12-05$0$0$0No
2025-11-13$0$0$0Yes
2025-11-02$0$0$0Yes
2025-10-16$0$0$0No
2025-09-29$0——Yes
2025-09-28$0$0$0No
2025-09-26$0$0$0Yes
2025-09-21$0$0$0Yes
2025-09-17$138K$115K$22KYes
2025-09-05$13K$13K$0Yes
2025-08-26$0——Yes
2025-08-18$0$0$0Yes
2025-08-16$5K$5K$0Yes
2025-08-10$12K$12K$0Yes
2025-08-10$0$0$0No
2025-08-10$0$0$0Yes
2025-08-01$0——Yes
2025-07-31$0——Yes
2025-07-24$0$0$0Yes
2025-07-24$0$0$0No
2025-07-24$0$0$0No
2025-07-23$0$0$0No
2025-07-02$0——Yes
2025-06-30$0$0$0Yes
2025-06-11$0——No
2025-06-02$0——Yes
2025-05-29$0$0$0Yes
2025-05-18$0$0$0No
2025-05-12$0——Yes
2025-05-02$0$0$0Yes
2025-04-20$0——Yes
2025-04-16$0$0$0Yes
2025-04-12$0$0$0Yes
2025-04-02$0——Yes
2025-03-25$0——Yes
2025-03-18$0$0$0Yes
2025-03-16$34K$34K$0Yes
2025-03-13$0$0$0No
2025-03-11$0——Yes
2025-03-05$0$0$0No
2025-02-12$0——Yes
2025-02-12$0$0$0Yes
2025-02-03$0$0$0No
2025-01-28$0$0$0Yes
2025-01-23$0$0$0Yes
2025-01-19$5K$5K$0Yes
2025-01-06$0$0$0Yes
2025-01-01$0$0$0Yes
2025-01-01$0$0$0No
2024-12-27$0$0$0Yes
2024-12-24$0$0$0Yes
2024-12-24$0$0$0Yes
2024-12-22$0$0$0Yes
2024-12-20$0$0$0Yes
2024-12-13$0$0$0Yes
2024-12-13$0——Yes
2024-12-12$0$0$0Yes
2024-12-12$0$0$0Yes
2024-12-07$0$0$0Yes
2024-12-03$0$0$0Yes
2024-11-22$0$0$0No
2024-11-08$11K$11K$0No
2024-11-06$0——Yes
2024-11-04$0——Yes
2024-11-03$0$0$0No
2024-10-31$14K$14K$0No
2024-10-28$0$0$0Yes
2024-10-26$68K$53K$15KYes
2024-10-25$2K$2K$0Yes
2024-10-24$0$0$0Yes
2024-10-23$0$0$0Yes
2024-10-23$0——Yes
2024-10-23$0$0$0Yes
2024-10-23$0$0$0No
2024-10-23$5K$0$5KYes
2024-10-22$0——No
2024-10-21$0——Yes
2024-10-20$0——Yes
2024-10-20$373.19$373.19$0Yes
2024-10-18$0$0$0Yes
2024-10-17$3K$3K$0Yes
2024-10-17$0$0$0Yes
2024-10-17$0$0$0Yes
2024-10-17$3K$3K$0Yes
2024-10-17$0$0$0No
2024-10-17$0——No
2024-10-17$0$0$0Yes
2024-10-16$0$0$0Yes
2024-10-16$0——Yes
2024-10-16$0——No
2024-10-15$6K$0$6KNo
2024-10-15$0$0$0Yes
2024-10-15$8K$8K$0Yes
2024-10-15$0——Yes

ALSO CHECKED

18 more data areas were checked for Pinellas County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the FL state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN PINELLAS COUNTY →Opens the loan explorer already filtered to county FIPS 12103.

See the Florida state market profile for the statewide picture, the Florida state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.