Florida Capital Bank Mortgage Rates, Fees & Info

Jacksonville, FL

LEI: 549300ZIXM1VUXPG4D03

Tax ID: 59-2475686

4.5 stars - out of 5 stars, based on 53 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Florida Capital Bank is a small bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Florida Capital Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Los Angeles, San Francisco, San Jose, Jacksonville, and Minneapolis among others. Florida Capital Bank has an average approval rate for mortages when compared nationally. They have an above average pick rate when compared to the same sample of other lendors. Florida Capital Bank is typically an average fee lendor.


Originations

2,794

Origination Dollar Volume (All Markets)

$1,091,900,000

Employee count

153 Show all (20) awards

Relative Rate

Florida Capital Bank's average 30 year fixed rate mortgage of loans were 2.96%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.19%.

Relative Fees

Florida Capital Bank's average total fees for a 30 year fixed rate mortgage are $5,864.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 170 $122,780,000 $722,235 $5,655 2.87%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 115 $105,125,000 $914,130 $5,408 2.74%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 77 $75,355,000 $978,636 $5,621 2.67%
JACKSONVILLE, FL (FHA|USDA|VA) 174 $55,750,000 $320,402 $5,096 2.92%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 169 $53,725,000 $317,899 $5,715 2.79%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 153 $43,395,000 $283,627 $3,876 2.88%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 146 $39,380,000 $269,726 $5,488 2.99%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 84 $37,010,000 $440,595 $6,936 2.83%
Eureka-Arcata, CA (FHA|USDA|VA) 117 $34,505,000 $294,915 $4,573 2.82%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 115 $33,415,000 $290,565 $8,279 2.97%
GRAND FORKS, ND-MN (FHA|USDA|VA) 119 $24,775,000 $208,193 $5,065 2.81%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 33 $23,265,000 $705,000 $6,228 2.80%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 66 $22,970,000 $348,030 $5,370 2.82%
HUNTSVILLE, AL (FHA|USDA|VA) 81 $22,595,000 $278,951 $4,883 2.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 53 $20,615,000 $388,962 $5,620 2.74%
Outside of Metro Areas 71 $17,135,000 $241,338 $5,904 2.96%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 72 $16,170,000 $224,583 $3,565 3.08%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 49 $15,825,000 $322,959 $4,687 2.98%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 38 $15,760,000 $414,737 $5,687 2.98%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 31 $13,265,000 $427,903 $4,988 2.86%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 20 $11,400,000 $570,000 $5,941 2.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 28 $11,080,000 $395,714 $5,884 3.00%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 28 $10,210,000 $364,643 $6,355 2.78%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 18 $9,760,000 $542,222 $8,625 2.92%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 30 $9,500,000 $316,667 $5,258 2.91%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 23 $9,005,000 $391,522 $7,474 2.91%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 14 $8,340,000 $595,714 $5,827 2.86%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $8,135,000 $542,333 $6,085 2.92%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 28 $8,090,000 $288,929 $3,796 3.02%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 34 $7,900,000 $232,353 $3,815 3.05%
Edwards, CO (FHA|USDA|VA) 16 $7,260,000 $453,750 $3,331 2.87%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $6,290,000 $449,286 $6,360 2.83%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 20 $5,840,000 $292,000 $4,654 3.03%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 17 $5,015,000 $295,000 $6,278 2.92%
SALT LAKE CITY, UT (FHA|USDA|VA) 14 $4,940,000 $352,857 $5,716 2.91%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $4,905,000 $1,635,000 $10,546 2.96%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 19 $4,795,000 $252,368 $9,024 2.74%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $4,720,000 $393,333 $7,863 3.15%
VALLEJO, CA (FHA|USDA|VA) 8 $4,610,000 $576,250 $7,039 2.92%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 13 $4,485,000 $345,000 $5,616 2.66%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 12 $4,290,000 $357,500 $7,483 3.01%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 8 $4,290,000 $536,250 $6,036 2.69%
Key West, FL (FHA|USDA|VA) 7 $4,205,000 $600,714 $7,692 2.98%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 11 $4,125,000 $375,000 $6,496 3.10%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 4 $3,630,000 $907,500 $14,394 2.91%
BOISE CITY, ID (FHA|USDA|VA) 10 $3,260,000 $326,000 $8,972 3.16%
RALEIGH-CARY, NC (FHA|USDA|VA) 9 $3,195,000 $355,000 $4,894 3.15%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $2,995,000 $599,000 $11,177 2.98%
Heber, UT (FHA|USDA|VA) 3 $2,875,000 $958,333 $7,428 2.83%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $2,815,000 $938,333 $8,156 2.92%
AKRON, OH (FHA|USDA|VA) 9 $2,805,000 $311,667 $3,540 2.97%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 8 $2,770,000 $346,250 $6,221 2.92%
RENO, NV (FHA|USDA|VA) 7 $2,595,000 $370,714 $7,939 3.05%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 9 $2,445,000 $271,667 $7,746 2.49%
GREELEY, CO (FHA|USDA|VA) 6 $2,370,000 $395,000 $7,046 2.79%
Alexander City, AL (FHA|USDA|VA) 2 $2,360,000 $1,180,000 $5,404 3.31%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $2,165,000 $433,000 $8,746 2.78%
Outside of Metro Areas 4 $2,160,000 $540,000 $6,359 2.97%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $2,145,000 $429,000 $5,601 2.93%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $2,025,000 $289,286 $4,133 2.93%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 7 $1,975,000 $282,143 $5,331 3.09%
DECATUR, AL (FHA|USDA|VA) 7 $1,765,000 $252,143 $5,337 3.09%
YORK-HANOVER, PA (FHA|USDA|VA) 7 $1,705,000 $243,571 $6,840 3.11%
SALISBURY, MD-DE (FHA|USDA|VA) 6 $1,650,000 $275,000 $6,183 2.88%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,620,000 $810,000 $3,975 2.50%
READING, PA (FHA|USDA|VA) 8 $1,510,000 $188,750 $9,306 3.30%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,475,000 $295,000 $6,651 2.60%
PUNTA GORDA, FL (FHA|USDA|VA) 4 $1,470,000 $367,500 $5,860 2.91%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,445,000 $481,667 $3,171 3.00%
PROVO-OREM, UT (FHA|USDA|VA) 4 $1,440,000 $360,000 $6,958 3.09%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,390,000 $231,667 $4,705 3.25%
MODESTO, CA (FHA|USDA|VA) 4 $1,380,000 $345,000 $3,603 3.19%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 6 $1,370,000 $228,333 $3,961 2.38%
STOCKTON, CA (FHA|USDA|VA) 3 $1,355,000 $451,667 $5,522 2.96%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 4 $1,350,000 $337,500 $7,552 2.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,330,000 $221,667 $3,460 3.21%
LANCASTER, PA (FHA|USDA|VA) 5 $1,325,000 $265,000 $8,719 2.90%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,115,000 $371,667 $3,838 3.33%
OCALA, FL (FHA|USDA|VA) 4 $1,100,000 $275,000 $5,214 3.09%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,095,000 $219,000 $6,313 3.05%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $1,090,000 $272,500 $9,366 2.63%
DULUTH, MN-WI (FHA|USDA|VA) 5 $1,075,000 $215,000 $6,748 2.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $1,065,000 $355,000 $4,190 3.25%
YUBA CITY, CA (FHA|USDA|VA) 4 $1,020,000 $255,000 $5,600 2.56%
ST. GEORGE, UT (FHA|USDA|VA) 3 $1,015,000 $338,333 $4,657 2.83%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $1,015,000 $338,333 $4,957 3.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $9,291 2.94%
FORT COLLINS, CO (FHA|USDA|VA) 3 $995,000 $331,667 $6,320 3.00%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $980,000 $245,000 $5,453 3.06%
Kalispell, MT (FHA|USDA|VA) 2 $940,000 $470,000 $6,588 3.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 4 $940,000 $235,000 $4,847 3.16%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $885,000 $295,000 $5,923 3.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $885,000 $177,000 $7,580 2.88%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $875,000 $875,000 $13,565 3.00%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $870,000 $435,000 $4,783 3.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $865,000 $288,333 $6,706 3.08%
GAINESVILLE, FL (FHA|USDA|VA) 5 $855,000 $171,000 $2,659 3.33%
ALBUQUERQUE, NM (FHA|USDA|VA) 3 $835,000 $278,333 $4,645 2.96%
JACKSON, MS (FHA|USDA|VA) 2 $830,000 $415,000 $8,174 2.38%
PANAMA CITY, FL (FHA|USDA|VA) 3 $825,000 $275,000 $5,701 3.08%
GETTYSBURG, PA (FHA|USDA|VA) 4 $810,000 $202,500 $7,055 3.09%
Palatka, FL (FHA|USDA|VA) 3 $795,000 $265,000 $5,764 2.83%
JOHNSON CITY, TN (FHA|USDA|VA) 4 $770,000 $192,500 $7,836 2.78%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $755,000 $251,667 $6,513 2.71%
FARGO, ND-MN (FHA|USDA|VA) 3 $755,000 $251,667 $5,592 2.67%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $745,000 $248,333 $3,311 3.33%
WACO, TX (FHA|USDA|VA) 2 $700,000 $350,000 $4,375 3.25%
COLUMBIA, SC (FHA|USDA|VA) 3 $685,000 $228,333 $7,662 2.92%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $675,000 $225,000 $3,749 3.04%
Albertville, AL (FHA|USDA|VA) 2 $670,000 $335,000 $3,889 3.00%
Bozeman, MT (FHA|USDA|VA) 2 $660,000 $330,000 $9,426 2.93%
BATON ROUGE, LA (FHA|USDA|VA) 3 $645,000 $215,000 $7,763 2.71%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 3 $635,000 $211,667 $5,065 3.21%
NAPA, CA (FHA|USDA|VA) 1 $615,000 $615,000 $2,601 3.50%
TULSA, OK (FHA|USDA|VA) 2 $610,000 $305,000 $4,112 2.81%
SPARTANBURG, SC (FHA|USDA|VA) 3 $575,000 $191,667 $8,277 2.67%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $545,000 $545,000 $4,565 2.88%
Durango, CO (FHA|USDA|VA) 1 $545,000 $545,000 $2,843 2.50%
ROCHESTER, MN (FHA|USDA|VA) 2 $540,000 $270,000 $3,304 2.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $535,000 $178,333 $4,824 2.96%
Batesville, AR (FHA|USDA|VA) 2 $530,000 $265,000 $3,434 3.50%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $525,000 $175,000 $5,134 3.08%
BOULDER, CO (FHA|USDA|VA) 1 $515,000 $515,000 $3,558 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $485,000 $485,000 $10,177 2.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $480,000 $240,000 $4,383 2.69%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $480,000 $240,000 $5,495 3.00%
Payson, AZ (FHA|USDA|VA) 1 $475,000 $475,000 $5,825 2.88%
MOBILE, AL (FHA|USDA|VA) 1 $465,000 $465,000 $6,223 2.88%
COLUMBUS, OH (FHA|USDA|VA) 2 $460,000 $230,000 $2,902 3.00%
MADISON, WI (FHA|USDA|VA) 2 $460,000 $230,000 $12,415 2.63%
STAUNTON, VA (FHA|USDA|VA) 3 $455,000 $151,667 $7,598 2.83%
VISALIA, CA (FHA|USDA|VA) 2 $450,000 $225,000 $6,031 2.94%
Cullowhee, NC (FHA|USDA|VA) 1 $445,000 $445,000 $4,051 3.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $440,000 $220,000 $4,897 2.88%
LUBBOCK, TX (FHA|USDA|VA) 2 $440,000 $220,000 $5,270 4.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $440,000 $220,000 $9,698 2.63%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $435,000 $145,000 $5,481 2.67%
Hutchinson, MN (FHA|USDA|VA) 1 $435,000 $435,000 $10,479 2.63%
Stephenville, TX (FHA|USDA|VA) 1 $435,000 $435,000 $9,177 2.63%
Price, UT (FHA|USDA|VA) 1 $425,000 $425,000 $11,737 2.88%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $415,000 $415,000 $4,159 2.88%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $415,000 $415,000 $6,334 2.25%
Stillwater, OK (FHA|USDA|VA) 1 $415,000 $415,000 $3,942 2.63%
SALEM, OR (FHA|USDA|VA) 1 $415,000 $415,000 $8,458 3.13%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $405,000 $405,000 $4,557 2.75%
TWIN FALLS, ID (FHA|USDA|VA) 2 $400,000 $200,000 $6,559 2.81%
PITTSBURGH, PA (FHA|USDA|VA) 1 $385,000 $385,000 $7,981 3.63%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $4,448 3.38%
RACINE, WI (FHA|USDA|VA) 2 $370,000 $185,000 $9,332 2.69%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $360,000 $180,000 $7,353 3.38%
ST. CLOUD, MN (FHA|USDA|VA) 2 $360,000 $180,000 $8,280 3.00%
GREEN BAY, WI (FHA|USDA|VA) 1 $355,000 $355,000 $2,723 2.38%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $350,000 $175,000 $9,081 2.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $345,000 $345,000 $13,382 2.75%
Cedar City, UT (FHA|USDA|VA) 1 $345,000 $345,000 $3,054 2.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $325,000 $325,000 $7,530 3.63%
Alamogordo, NM (FHA|USDA|VA) 1 $315,000 $315,000 $6,228 2.25%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $315,000 $315,000 $5,490 2.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $310,000 $155,000 $5,314 2.63%
LAFAYETTE, LA (FHA|USDA|VA) 2 $310,000 $155,000 $7,194 2.69%
DOVER, DE (FHA|USDA|VA) 1 $305,000 $305,000 $6,977 3.13%
WILMINGTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $6,662 2.63%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $305,000 $305,000 $3,416 3.75%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $305,000 $305,000 $3,946 2.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,995 3.38%
Minot, ND (FHA|USDA|VA) 1 $305,000 $305,000 $8,202 3.63%
TUCSON, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $3,305 3.50%
ASHEVILLE, NC (FHA|USDA|VA) 1 $285,000 $285,000 $5,890 3.50%
Morehead City, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,501 2.63%
Brainerd, MN (FHA|USDA|VA) 1 $285,000 $285,000 $3,696 2.63%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $275,000 $275,000 $8,895 2.50%
Peru, IN (FHA|USDA|VA) 1 $275,000 $275,000 $2,295 2.88%
ROCKFORD, IL (FHA|USDA|VA) 2 $270,000 $135,000 $5,365 3.06%
Indiana, PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,488 2.75%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $255,000 $255,000 $2,660 3.13%
Plymouth, IN (FHA|USDA|VA) 1 $255,000 $255,000 $11,501 2.63%
Crossville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $4,152 2.63%
EL PASO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $12,918 2.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $245,000 $245,000 $7,474 2.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $245,000 $245,000 $4,477 3.13%
MORGANTOWN, WV (FHA|USDA|VA) 1 $245,000 $245,000 $7,816 3.13%
Gillette, WY (FHA|USDA|VA) 1 $245,000 $245,000 $3,097 3.38%
KANKAKEE, IL (FHA|USDA|VA) 1 $245,000 $245,000 $5,137 2.63%
Scottsboro, AL (FHA|USDA|VA) 1 $245,000 $245,000 $4,023 3.25%
APPLETON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $1,770 2.38%
LEBANON, PA (FHA|USDA|VA) 1 $235,000 $235,000 $11,856 2.63%
CARSON CITY, NV (FHA|USDA|VA) 1 $235,000 $235,000 $3,265 3.00%
ROANOKE, VA (FHA|USDA|VA) 1 $225,000 $225,000 $10,894 2.75%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $225,000 $225,000 $1,267 2.75%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $225,000 $225,000 $10,000 2.63%
SANTA FE, NM (FHA|USDA|VA) 1 $215,000 $215,000 $1,737 3.13%
Corsicana, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,085 3.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $13,590 3.13%
Ukiah, CA (FHA|USDA|VA) 1 $215,000 $215,000 $4,453 2.63%
Helena, MT (FHA|USDA|VA) 1 $215,000 $215,000 $3,521 4.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $205,000 $205,000 $7,605 3.13%
Montrose, CO (FHA|USDA|VA) 1 $205,000 $205,000 $3,467 2.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $205,000 $205,000 $11,357 2.63%
PUEBLO, CO (FHA|USDA|VA) 1 $205,000 $205,000 $2,493 2.88%
Elko, NV (FHA|USDA|VA) 1 $205,000 $205,000 $3,636 3.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,350 2.38%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $205,000 $205,000 $6,227 2.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $205,000 $205,000 $3,891 3.63%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $12,377 2.75%
BILLINGS, MT (FHA|USDA|VA) 1 $195,000 $195,000 $5,375 2.88%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $195,000 $195,000 $4,582 2.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $195,000 $195,000 $10,496 2.75%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $195,000 $195,000 $3,390 2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $10,361 2.63%
Rock Springs, WY (FHA|USDA|VA) 1 $185,000 $185,000 $4,217 2.63%
FLINT, MI (FHA|USDA|VA) 1 $185,000 $185,000 $7,177 2.88%
MIDLAND, MI (FHA|USDA|VA) 1 $175,000 $175,000 $9,343 2.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,817 3.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $175,000 $175,000 $10,467 3.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,811 3.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $165,000 $165,000 $7,919 3.13%
TOLEDO, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,184 3.63%
Aberdeen, WA (FHA|USDA|VA) 1 $165,000 $165,000 $9,533 2.63%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $165,000 $165,000 $2,628 2.38%
McAlester, OK (FHA|USDA|VA) 1 $165,000 $165,000 $3,696 2.38%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $145,000 $145,000 $7,646 2.63%
LINCOLN, NE (FHA|USDA|VA) 1 $145,000 $145,000 $6,810 2.63%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $135,000 $135,000 $7,510 2.75%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $135,000 $135,000 $5,781 2.63%
Malvern, AR (FHA|USDA|VA) 1 $135,000 $135,000 $3,644 3.13%
RICHMOND, VA (FHA|USDA|VA) 1 $135,000 $135,000 $9,037 3.13%
Crawfordsville, IN (FHA|USDA|VA) 1 $135,000 $135,000 $8,441 2.75%
Cullman, AL (FHA|USDA|VA) 1 $135,000 $135,000 $6,888 2.63%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $125,000 $125,000 $6,027 3.88%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $125,000 $125,000 $4,299 2.63%
JACKSON, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,657 3.38%
Vincennes, IN (FHA|USDA|VA) 1 $115,000 $115,000 $1,492 2.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $105,000 $105,000 $1,939 2.13%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $105,000 $105,000 $4,130 3.63%
Fremont, NE (FHA|USDA|VA) 1 $105,000 $105,000 $3,939 2.63%
THE VILLAGES, FL (FHA|USDA|VA) 1 $95,000 $95,000 $1,663 3.25%

Florida Capital Bank's top markets include Los Angeles, San Francisco, San Jose, Jacksonville, and Minneapolis among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,349 $964,255,000 $410,496 $5,154 2.93%
VA 208 $71,750,000 $344,952 $7,479 2.60%
FHA 206 $49,510,000 $240,340 $9,048 2.78%
USDA 31 $6,385,000 $205,968 $6,706 2.97%

For the 2021 period, Florida Capital Bank's most frequently originated loan type of loans were Conventional, with 2,349 originations. Their 2nd most popular type is VA, with 208 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 932 $396,110,000 $425,011 $4,915 2.74%
Cash Out Refi 919 $351,645,000 $382,639 $6,089 2.95%
Home Purchase 857 $298,355,000 $348,139 $6,003 2.99%
Other 83 $45,025,000 $542,470 $4,873 2.92%
Home Improvement 3 $765,000 $255,000 $3,127 2.96%

For the 2021, Florida Capital Bank's most frequently cited loan purpose of loans were Refi, with 932 originations. The 2nd most popular reason of loans were Cash Out Refi, with 919 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 2,300 $960,570,000 $417,639 $5,864 2.96%
15 Year 303 $81,715,000 $269,686 $4,637 2.47%
20 Year 130 $34,100,000 $262,308 $3,977 2.76%
Other 58 $15,150,000 $261,207 $5,333 2.89%
10 Year 3 $365,000 $121,667 $5,136 2.58%

For the 2021, Florida Capital Bank's most frequently cited loan length of loans were 30 Year, with 2,300 originations. The 2nd most popular length of loans were 15 Year, with 303 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 1,098 $489,040,000 $445,392
$<1k 543 $162,285,000 $298,867
$3k-4k 482 $150,720,000 $312,697
$5k+ 349 $195,285,000 $559,556
$2k-3k 322 $94,570,000 $293,696

$5,864 of loans were Florida Capital Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,098 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 1,447 $609,205,000 $421,012
3-4% 822 $265,750,000 $323,297
<2.5% 512 $213,490,000 $416,973
4-5% 12 $3,150,000 $262,500
5-6% 1 $305,000 $305,000

During 2021, Florida Capital Bank's average interest rate of loans were 2.96%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,447 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,354 $386,630,000 $285,547 $5,343 2.89%
$100k-200k 580 $91,530,000 $157,810 $4,423 2.94%
$400k-600k 409 $195,335,000 $477,592 $6,330 2.89%
$600k-1MM 265 $211,695,000 $798,849 $7,356 2.87%
$1MM+ 156 $204,330,000 $1,309,808 $8,321 2.75%
$100,000 or less 30 $2,380,000 $79,333 $3,268 3.19%

2021 saw Florida Capital Bank place emphasis on $200k-400k loans with 1,354 originations, totaling $386,630,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 631 $205,165,000 $325,143 $5,665 2.91%
$150k-250k 502 $242,100,000 $482,271 $5,700 2.88%
$50k-75k 497 $111,265,000 $223,873 $5,082 2.95%
$75k-100k 468 $128,110,000 $273,739 $5,564 2.91%
$250k+ 376 $334,610,000 $889,920 $7,139 2.81%
$50k or less 313 $68,655,000 $219,345 $4,658 2.85%

Florida Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 631 originations. The second most popular income band? $150k-250k, with 502 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 635 $279,075,000 $439,488 $5,386 2.83%
30-36% 502 $206,690,000 $411,733 $5,706 2.92%
<20% 277 $126,505,000 $456,697 $5,236 2.80%
41% 124 $38,180,000 $307,903 $5,964 2.92%
44% 118 $39,040,000 $330,847 $5,844 3.05%
38% 117 $49,615,000 $424,060 $6,161 2.96%
37% 106 $44,610,000 $420,849 $5,740 2.94%
42% 105 $35,385,000 $337,000 $5,416 3.06%
43% 103 $28,595,000 $277,621 $5,072 3.03%
40% 96 $33,510,000 $349,063 $5,763 2.95%
39% 94 $35,730,000 $380,106 $6,027 2.97%
36% 90 $40,470,000 $449,667 $5,981 2.83%
45% 74 $22,140,000 $299,189 $5,496 2.94%
49% 68 $21,770,000 $320,147 $6,093 2.93%
46% 64 $20,740,000 $324,063 $5,985 2.97%
48% 48 $14,930,000 $311,042 $6,258 2.83%
47% 42 $12,510,000 $297,857 $6,184 2.96%
50-60% 32 $8,910,000 $278,438 $7,627 2.89%
>60% 5 $2,545,000 $509,000 $5,686 3.28%

Florida Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 635 originations. The next most common DTI ratio? 30-36%, with 502 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,052 $743,970,000 $362,558 $5,694 2.90%
Not provided 416 $173,590,000 $417,284 $5,488 2.92%
Asian 209 $136,515,000 $653,182 $4,960 2.74%
Black 94 $26,640,000 $283,404 $6,384 2.98%
Asian Indian 5 $3,765,000 $753,000 $7,235 2.78%
Other Asian 4 $3,090,000 $772,500 $5,752 3.31%
American Indian 10 $2,480,000 $248,000 $5,201 3.14%
Chinese 1 $865,000 $865,000 $3,797 2.63%
Native Hawaiian 1 $395,000 $395,000 $4,725 2.50%
Filipino 1 $325,000 $325,000 $2,954 3.75%
Other Pacific Islander 1 $265,000 $265,000 $7,298 3.00%

Approval Rates

Total approvals of all applications
85.17%

Florida Capital Bank has an average approval rate.

Pick Rate

Approvals leading to origination
97.00%

Florida Capital Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

Points and Fees

Points Originations Total Value Average Loan
NA 2,794 $1,091,900,000 $390,802

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,794 $1,091,900,000 $390,802

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 149 $68,365,000 $458,826 $4,498 2.71%
40-60% 540 $270,550,000 $501,019 $4,890 2.75%
60-80% 1,187 $474,235,000 $399,524 $5,656 2.95%
80-100% 883 $268,285,000 $303,834 $6,152 2.93%
Over 100% 17 $4,825,000 $283,824 $11,019 2.82%
Under 20% 15 $4,855,000 $323,667 $4,795 3.04%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Florida Pro Mortgage LLC Other type of mortgage Closing on a mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Florida Capital Bank, National Association 4830 West Kennedy Blvd Tampa, FL 33609 Full Service B&M $34,174
Florida Capital Bank, National Association 1000 Legion Place, Suite 1250 Orlando, FL 32801 Full Service B&M $87,169
Florida Capital Bank, National Association 10151 Deerwood Park Blvd Bldg 100 Ste 200 Jacksonville, FL 32256 Full Service B&M $0
Florida Capital Bank, National Association 10151 Deerwood Park Blvd, Bldg 100, Suite 200-A Jacksonville, FL 32256 Full Service B&M $245,270
Florida Capital Bank, National Association 241 Sw 7th Terrace Gainesville, FL 32601 Full Service B&M $34,159

For 2021, Florida Capital Bank had 5 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $14,073
Net interest income $12,272
Total noninterest income $23,532
Gross Fiduciary activities income $0
Service charges on deposit accounts $647
Trading account gains and fees $0
Additional Noninterest Income $22,885
Pre-tax net operating income $5,662
Securities gains (or losses, -) $0
Income before extraordinary items $4,787
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $4,787
Minority interest net income $0
Net income $4,787
Sale, conversion, retirement of capital stock, net $0
Net operating income $4,787

Florida Capital Bank's gross interest income from loans was $14,073,000.
Florida Capital Bank's net interest income from loans was $12,272,000.
Florida Capital Bank's fee based income from loans was $647,000.
Florida Capital Bank's net income from loans was $4,787,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $1,801
Provision for credit losses $430
Total noninterest expense $29,712
Salaries and employee benefits $20,613
Premises and equipment expense $1,318
Additional noninterest expense $7,781
Applicable income taxes $875
Net charge-offs $577
Cash dividends $0

Florida Capital Bank's interest expense for loans was $1,801,000.
Florida Capital Bank's payroll and benefits expense were $20,613,000.
Florida Capital Bank's property, plant and equipment expenses $1,318,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 2.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 3.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $375,508
Deposits held in domestic offices $375,508
Deposits by Individuals, partnerships, and corporations $373,025
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $2,484
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $224,461
Demand deposits $163,079
Nontransaction accounts $151,048
Money market deposit accounts (MMDAs) $91,552
Other savings deposits (excluding MMDAs) $4,103
Total time deposits $55,393
Total time and savings deposits $212,430
Noninterest-bearing deposits $163,647
Interest-bearing deposits $211,861
Retail deposits $341,106
IRAs and Keogh plan accounts $6,175
Brokered deposits $27,440
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $442,133
Cash & Balances due from depository institutions $106,768
Interest-bearing balances $98,929
Total securities $16,535
Federal funds sold & reverse repurchase $0
Net loans and leases $296,915
Loan and leases loss allowance $4,352
Trading account assets $0
Bank premises and fixed assets $738
Other real estate owned $97
Goodwill and other intangibles $261
All other assets $20,819

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $442,133
Total Liabilities $379,065
Total deposits $375,508
Interest-bearing deposits $211,861
Deposits held in domestic offices $375,508
% insured (estimated) $41
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $534
Subordinated debt $0
All other liabilities $3,023

Issued Loan Types

Type Value (in 000's)
Net loans and leases $296,915
Loan and leases loss allowance $4,352
Total loans and leases (domestic) $301,267
All real estate loans $215,203
Real estate loans in domestic offices $215,203
Construction and development loans $7,656
Residential 1-4 family construction $78
Other construction, all land development and other land $7,578
Loans secured by nonfarm nonresidential properties $85,048
Nonfarm nonresidential secured by owner-occupied properties $39,869
Commercial real estate & other non-farm, non-residential $45,179
Multifamily residential real estate $370
1-4 family residential loans $120,706
Farmland loans $1,423
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $31,409
To non-U.S. addressees $0
Loans to individuals $0
Credit card loans $0
Related Plans $0
Consumer Auto Loans $0
Other loans to individuals $0
All other loans & leases $54,655
Loans to foreign governments and official institutions $0
Other loans $54,655
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,552
Non 1-4 family restructured loans & leases $1,552
Total loans and leases (foreign) $0

Florida Capital Bank had $296,915,000 of loans outstanding in 2021. $215,203,000 of loans were in real estate loans. $7,656,000 of loans were in development loans. $370,000 of loans were in multifamily mortgage loans. $120,706,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 85 $34,952 $411,200
Nonfarm, nonresidential loans - <$100k 8 $459 $57,375
Nonfarm, nonresidential loans - $100-250k 22 $3,964 $180,182
Nonfarm, nonresidential loans - $250k-1MM 55 $30,529 $555,073
Commercial & Industrial, US addressed loans - <$1MM 136 $15,701 $115,449
Commercial & Industrial, US addressed loans - <$100k 96 $3,554 $37,021
Commercial & Industrial, US addressed loans - $100-250k 20 $3,283 $164,150
Commercial & Industrial, US addressed loans - $250k-1MM 20 $8,864 $443,200
Farmland loans - <$1MM 1 $222 $222,000
Farmland loans - $100-250k 1 $222 $222,000