Florida Capital Bank Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 549300ZIXM1VUXPG4D03
Tax ID: 59-2475686
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Mortgage Data
Review & Overview
Florida Capital Bank is a smaller bank specializing in Home Purchase and Cash Out Refi 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 by origination volume include: Los Angeles, San Francisco, Dallas, Houston, and New York among others. We have data for 155 markets. (Some data included below & more in-depth data is available with an active subscription.)Florida Capital Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Florida Capital Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.58% | 9/18/23 |
| 30 Year Conventional Refi | 6.51% | 9/18/23 |
| 30 Year Cash-out Refi | 6.55% | 9/18/23 |
| 30 Year FHA Purchase | 7.23% | 9/18/23 |
| 30 Year FHA Refi | 6.75% | 9/18/23 |
| 30 Year VA Purchase | 6.18% | 9/18/23 |
| 30 Year VA Refi | 5.69% | 9/18/23 |
| 30 Year USDA Purchase | 6.37% | 9/18/23 |
| 30 Year USDA Refi | 6.27% | 9/18/23 |
| 15 Year Conventional Purchase | 6.07% | 9/18/23 |
| 15 Year Conventional Refi | 5.96% | 9/18/23 |
| 15 Year Cash-out Refi | 5.96% | 9/18/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Florida Capital Bank Mortgage Calculator
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This is not an official calculator from Florida Capital Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,496Origination Dollar Volume (All Markets)
$771,250,000Awards
Florida Capital Bank - 2022
Florida Capital Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Florida Capital Bank's average 30 year fixed mortgage rate was
4.5%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.26%.
Relative Fees (Closing Costs)
Florida Capital Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,199.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 108 | $95,440,000 | $883,704 | $9,799 | 3.77% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 54 | $45,760,000 | $847,407 | $8,051 | 3.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 89 | $45,515,000 | $511,404 | $8,282 | 4.43% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 100 | $44,600,000 | $446,000 | $8,590 | 4.93% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 59 | $38,905,000 | $659,407 | $13,488 | 4.41% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 79 | $35,235,000 | $446,013 | $7,262 | 4.78% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 35 | $30,415,000 | $869,000 | $10,490 | 3.96% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 31 | $28,675,000 | $925,000 | $5,302 | 3.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 44 | $24,110,000 | $547,955 | $10,695 | 4.47% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 69 | $23,775,000 | $344,565 | $6,740 | 4.77% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 35 | $23,615,000 | $674,714 | $10,628 | 4.31% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 54 | $22,620,000 | $418,889 | $6,671 | 4.36% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 48 | $22,170,000 | $461,875 | $6,144 | 4.26% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 52 | $20,550,000 | $395,192 | $6,581 | 4.94% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $15,150,000 | $757,500 | $6,501 | 3.55% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 27 | $14,355,000 | $531,667 | $7,043 | 4.24% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 19 | $13,035,000 | $686,053 | $6,400 | 4.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 33 | $12,685,000 | $384,394 | $6,205 | 4.80% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 38 | $11,820,000 | $311,053 | $10,058 | 5.23% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 40 | $10,480,000 | $262,000 | $6,845 | 5.05% |
| Outside of Metro Areas | 29 | $9,585,000 | $330,517 | $6,105 | 4.82% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 28 | $9,130,000 | $326,071 | $4,556 | 5.18% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 34 | $8,420,000 | $247,647 | $5,510 | 4.44% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 32 | $8,290,000 | $259,063 | $5,874 | 5.05% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $7,825,000 | $869,444 | $9,316 | 3.43% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 11 | $7,205,000 | $655,000 | $6,689 | 4.19% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $7,140,000 | $714,000 | $8,849 | 4.21% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $6,820,000 | $568,333 | $12,027 | 4.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 15 | $6,125,000 | $408,333 | $10,480 | 5.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $5,340,000 | $667,500 | $9,684 | 4.33% |
| Heber, UT (FHA|USDA|VA) | 5 | $4,705,000 | $941,000 | $7,665 | 4.08% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $3,655,000 | $522,143 | $5,991 | 4.61% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $3,650,000 | $608,333 | $7,980 | 3.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $3,275,000 | $655,000 | $5,926 | 3.68% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $3,265,000 | $653,000 | $4,149 | 4.93% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 5 | $3,245,000 | $649,000 | $9,635 | 3.70% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 11 | $3,225,000 | $293,182 | $6,262 | 4.42% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $3,025,000 | $432,143 | $13,112 | 4.52% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 5 | $2,875,000 | $575,000 | $10,878 | 4.70% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $2,835,000 | $257,727 | $4,112 | 4.99% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 9 | $2,725,000 | $302,778 | $7,931 | 5.05% |
| Edwards, CO (FHA|USDA|VA) | 3 | $2,605,000 | $868,333 | $8,681 | 4.88% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $2,535,000 | $507,000 | $6,444 | 4.28% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $2,505,000 | $2,505,000 | $31,675 | 5.00% |
| RENO, NV (FHA|USDA|VA) | 3 | $2,245,000 | $748,333 | $7,352 | 3.75% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $2,195,000 | $313,571 | $8,949 | 5.00% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $5,020 | 4.42% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $1,815,000 | $259,286 | $8,030 | 4.14% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $6,266 | 3.96% |
| GAINESVILLE, FL (FHA|USDA|VA) | 6 | $1,660,000 | $276,667 | $7,971 | 4.92% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $11,259 | 4.41% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $1,560,000 | $390,000 | $5,604 | 5.16% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,530,000 | $765,000 | $12,210 | 5.31% |
| Hilo, HI (FHA|USDA|VA) | 1 | $1,495,000 | $1,495,000 | $17,323 | 4.00% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,475,000 | $1,475,000 | $46,650 | 6.00% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $11,086 | 4.75% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $26,094 | 3.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 8 | $1,260,000 | $157,500 | $7,798 | 4.72% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $1,245,000 | $1,245,000 | $9,057 | 4.00% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $12,432 | 4.56% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $7,769 | 3.12% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $1,210,000 | $605,000 | $8,694 | 5.00% |
| AKRON, OH (FHA|USDA|VA) | 6 | $1,140,000 | $190,000 | $3,690 | 5.21% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $4,987 | 4.79% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $5,068 | 4.56% |
| REDDING, CA (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,252 | 4.42% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $12,180 | 3.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $13,854 | 3.50% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $13,527 | 4.25% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $4,584 | 3.13% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $6,150 | 4.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $8,460 | 4.96% |
| Easton, MD (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $4,773 | 3.13% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $9,871 | 4.69% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $12,202 | 4.63% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $6,722 | 5.63% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $12,122 | 7.13% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $9,779 | 3.93% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $10,971 | 5.06% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $24,708 | 4.00% |
| READING, PA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $9,214 | 5.41% |
| Moscow, ID (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $7,668 | 4.63% |
| Key West, FL (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $9,732 | 4.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $11,087 | 2.94% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,522 | 4.87% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $2,594 | 4.50% |
| Crescent City, CA (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $8,573 | 6.00% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $9,468 | 5.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $10,180 | 4.31% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $7,881 | 4.13% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $11,436 | 4.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $8,079 | 4.50% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,884 | 5.25% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $15,695 | 3.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $8,187 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,569 | 6.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,888 | 3.50% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,487 | 2.88% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $16,663 | 4.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,440 | 4.63% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,885 | 5.13% |
| MADERA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,377 | 6.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,826 | 4.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $14,485 | 3.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $11,728 | 3.25% |
| Torrington, CT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,963 | 6.00% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $11,253 | 4.38% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $5,861 | 4.94% |
| Granbury, TX (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,592 | 5.63% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,583 | 6.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,154 | 3.50% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $8,405 | 4.88% |
| MONROE, MI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,993 | 5.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,977 | 6.50% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,758 | 3.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,823 | 4.38% |
| Spearfish, SD (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $5,172 | 3.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $4,571 | 5.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,117 | 6.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,396 | 5.99% |
| Rockport, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,603 | 5.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,579 | 3.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,772 | 5.38% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,070 | 5.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,640 | 6.75% |
| Albertville, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,171 | 3.88% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,328 | 3.63% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,031 | 3.88% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,788 | 6.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,537 | 4.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,842 | 3.88% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $7,617 | 4.00% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,690 | 5.25% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,252 | 3.99% |
| OCALA, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,686 | 4.50% |
| FLINT, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,047 | 4.88% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,639 | 2.88% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,780 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,947 | 5.38% |
| Athens, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,400 | 3.13% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $5,440 | 4.44% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,642 | 2.99% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,550 | 3.88% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,770 | 3.88% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,395 | 4.88% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,009 | 4.75% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,406 | 5.75% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,320 | 5.50% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,260 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,976 | 4.25% |
| DOVER, DE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,310 | 5.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,053 | 2.63% |
| Fernley, NV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,856 | 3.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,659 | 2.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,782 | 2.88% |
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We use machine learning to identify the top lenders compared against Florida Capital Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Florida Capital Bank's most frequently originated type of loan was Conventional, with 1,375 originations. Their 2nd most popular type was FHA, with 65 originations.
Loan Reason
For 2022, Florida Capital Bank's most frequently cited loan purpose was Home Purchase, with 1,035 originations. The 2nd most popular reason was Cash Out Refi, with 393 originations.
Loan Duration/Length
For 2022, Florida Capital Bank's most frequently cited loan duration was 30 Year, with 1,411 originations. The 2nd most popular length was 15 Year, with 57 originations.
Origination Fees/Closing Costs
Florida Capital Bank's average total fees were $8,199, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 460 originations.
Interest Rates
During 2022, Florida Capital Bank's average interest rate for loans was 4.50%, while their most frequently originated rate bucket for loans was 3-4%, with 419 originations.
Loan Sizing
2022 saw Florida Capital Bank place emphasis on $200k-400k loans with 531 originations, totaling $155,945,000 in origination value.
Applicant Income
Florida Capital Bank lent most frequently to those with incomes in the $250k+ range, with 430 originations. The second most popular income band? $150k-250k, with 357 originations.
Applicant Debt to Income Ratio
Florida Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 334 originations. The next most common DTI ratio? 30-36%, with 311 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.16%
Florida Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination83.96%
Florida Capital Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,496 | $771,250,000 | $515,541 |