Florida Capital Bank Mortgage Rates, Fees & Info

Jacksonville, FL

LEI: 549300ZIXM1VUXPG4D03

Tax ID: 59-2475686

4.3 stars - Updated: 4/18/24 - out of 5 stars, based on 27 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Florida Capital Bank is a smaller bank specializing in Home Purchase loans. Florida Capital Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Austin, Jacksonville, Los Angeles, and Houston among others. We have data for 107 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 a high 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 relatively high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.58% 4/18/24
30 Year Conventional Refi 6.51% 4/18/24
30 Year Cash-out Refi 6.55% 4/18/24
30 Year FHA Purchase 7.23% 4/18/24
30 Year FHA Refi 6.75% 4/18/24
30 Year VA Purchase 6.18% 4/18/24
30 Year VA Refi 5.69% 4/18/24
30 Year USDA Purchase 6.37% 4/18/24
30 Year USDA Refi 6.27% 4/18/24
15 Year Conventional Purchase 6.07% 4/18/24
15 Year Conventional Refi 5.96% 4/18/24
15 Year Cash-out Refi 5.96% 4/18/24
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






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

727

Origination Dollar Volume (All Markets)

$309,645,000

Awards

Florida Capital Bank 30 Year Conventional Loans silver Florida Capital Bank 30 Year Conventional Loans bronze
Show all (2) awards

Relative Rate

Florida Capital Bank's average 30 year fixed mortgage rate was 6.82%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.34%.

Relative Fees (Closing Costs)

Florida Capital Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $8,792.

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 $9,089.

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 86 $39,840,000 $463,256 $9,034 6.84%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 71 $28,695,000 $404,155 $9,004 6.57%
JACKSONVILLE, FL (FHA|USDA|VA) 58 $25,200,000 $434,483 $8,046 7.06%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $16,340,000 $1,021,250 $14,146 6.52%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 43 $15,795,000 $367,326 $10,152 6.61%
Eureka-Arcata, CA (FHA|USDA|VA) 42 $14,130,000 $336,429 $7,290 6.84%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 28 $14,000,000 $500,000 $6,474 6.93%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 28 $9,880,000 $352,857 $7,968 7.14%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 21 $9,425,000 $448,810 $7,876 6.77%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 23 $8,675,000 $377,174 $12,592 7.09%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 14 $7,790,000 $556,429 $11,897 6.63%
Outside of Metro Areas 24 $7,460,000 $310,833 $6,937 6.74%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 8 $6,540,000 $817,500 $9,042 6.50%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $6,145,000 $877,857 $11,975 6.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 8 $5,000,000 $625,000 $13,105 7.33%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 13 $4,995,000 $384,231 $7,650 6.64%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $4,945,000 $260,263 $8,494 6.83%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 6 $4,860,000 $810,000 $12,049 6.46%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 8 $3,590,000 $448,750 $7,295 7.05%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 11 $3,265,000 $296,818 $7,926 6.48%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $2,860,000 $476,667 $12,998 6.54%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 6 $2,760,000 $460,000 $4,385 6.17%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $2,665,000 $888,333 $8,844 7.08%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,620,000 $327,500 $10,039 6.64%
EAU CLAIRE, WI (FHA|USDA|VA) 12 $2,560,000 $213,333 $5,177 7.30%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $2,470,000 $617,500 $9,356 6.34%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 3 $2,435,000 $811,667 $17,162 6.67%
Brainerd, MN (FHA|USDA|VA) 3 $2,065,000 $688,333 $8,196 6.33%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $2,055,000 $293,571 $9,644 7.18%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $10,840 5.75%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,840,000 $920,000 $12,696 5.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 10 $1,730,000 $173,000 $4,889 6.81%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $1,720,000 $286,667 $6,833 7.15%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,665,000 $333,000 $8,820 6.72%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 7 $1,595,000 $227,857 $11,244 7.41%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,500,000 $375,000 $10,826 6.53%
Traverse City, MI (FHA|USDA|VA) 1 $1,455,000 $1,455,000 $6,639 6.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $1,450,000 $725,000 $10,854 6.94%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $1,380,000 $345,000 $9,092 6.90%
Jacksonville, TX (FHA|USDA|VA) 1 $1,315,000 $1,315,000 $26,801 6.38%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 8 $1,280,000 $160,000 $4,363 7.48%
YORK-HANOVER, PA (FHA|USDA|VA) 4 $1,220,000 $305,000 $9,701 7.03%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $1,180,000 $590,000 $5,261 7.19%
READING, PA (FHA|USDA|VA) 4 $1,170,000 $292,500 $9,451 7.44%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $4,191 7.13%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $4,370 5.75%
OCALA, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $6,872 7.50%
PITTSBURGH, PA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $10,985 5.38%
YUBA CITY, CA (FHA|USDA|VA) 1 $975,000 $975,000 $4,876 6.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $905,000 $905,000 $2,906 5.50%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $895,000 $895,000 $11,582 6.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $890,000 $222,500 $9,572 6.72%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $870,000 $435,000 $5,746 6.25%
COLUMBUS, OH (FHA|USDA|VA) 1 $865,000 $865,000 $9,701 5.50%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 2 $830,000 $415,000 $4,289 6.56%
GAINESVILLE, GA (FHA|USDA|VA) 1 $825,000 $825,000 $4,905 5.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $760,000 $380,000 $7,950 7.44%
GAINESVILLE, FL (FHA|USDA|VA) 1 $725,000 $725,000 $14,246 5.63%
AKRON, OH (FHA|USDA|VA) 3 $715,000 $238,333 $5,625 7.00%
SAVANNAH, GA (FHA|USDA|VA) 2 $620,000 $310,000 $7,190 6.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $605,000 $605,000 $4,287 6.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $605,000 $605,000 $11,454 7.13%
VALLEJO, CA (FHA|USDA|VA) 1 $605,000 $605,000 $12,041 5.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $600,000 $300,000 $9,272 6.94%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $595,000 $198,333 $7,810 7.21%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $585,000 $585,000 $6,926 6.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $575,000 $575,000 $12,638 6.38%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $465,000 $155,000 $6,689 6.29%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $425,000 $425,000 $10,643 5.63%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $415,000 $415,000 $5,266 6.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $395,000 $395,000 $9,087 5.99%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $395,000 $395,000 $10,433 7.50%
SALEM, OR (FHA|USDA|VA) 1 $385,000 $385,000 $19,327 6.13%
TYLER, TX (FHA|USDA|VA) 1 $375,000 $375,000 $6,268 7.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $365,000 $365,000 $16,379 6.75%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $355,000 $355,000 $12,072 6.75%
Cullman, AL (FHA|USDA|VA) 1 $315,000 $315,000 $11,074 7.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $295,000 $295,000 $5,740 6.63%
KNOXVILLE, TN (FHA|USDA|VA) 1 $295,000 $295,000 $9,495 6.13%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,574 7.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $255,000 $255,000 $5,877 6.50%
TUCSON, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $5,023 6.38%
LIMA, OH (FHA|USDA|VA) 1 $255,000 $255,000 $7,410 6.75%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $245,000 $245,000 $6,653 6.50%
WACO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,437 7.99%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $235,000 $235,000 $3,762 7.13%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $225,000 $225,000 $9,201 7.00%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $215,000 $215,000 $7,309 5.63%
Bainbridge, GA (FHA|USDA|VA) 1 $215,000 $215,000 $6,388 6.25%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $215,000 $215,000 $8,544 8.50%
Shelton, WA (FHA|USDA|VA) 1 $215,000 $215,000 $8,513 6.00%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $195,000 $195,000 $6,146 6.13%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $195,000 $195,000 $9,017 6.88%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $195,000 $195,000 $7,860 5.63%
COLUMBIA, SC (FHA|USDA|VA) 1 $185,000 $185,000 $6,042 6.63%
Rockport, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,598 7.13%
FLINT, MI (FHA|USDA|VA) 1 $185,000 $185,000 $3,866 6.99%
THE VILLAGES, FL (FHA|USDA|VA) 1 $185,000 $185,000 $7,754 8.00%
BRUNSWICK, GA (FHA|USDA|VA) 1 $165,000 $165,000 $8,413 6.00%
Salem, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,836 6.99%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $155,000 $155,000 $5,409 6.99%
FARGO, ND-MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,842 7.38%
Clewiston, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,523 8.13%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,070 6.75%
Ashtabula, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,286 7.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,998 7.63%
St. Marys, GA (FHA|USDA|VA) 2 $90,000 $45,000 $0 0.00%
Florida Capital Bank's top markets include Dallas, Austin, Jacksonville, Los Angeles, and Houston among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Similar Lenders

    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.

    Republic Bank
    Similarity Rank: 21
    JEFFERSON FINANCIAL
    Similarity Rank: 80
    MISSION
    Similarity Rank: 93
    VENTURA COUNTY
    Similarity Rank: 96
    GREATER NEW ORLEANS
    Similarity Rank: 100
    LEBANON
    Similarity Rank: 117
    N C P D Federal Credit Union
    Similarity Rank: 126
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 126
    County Savings Bank
    Similarity Rank: 135

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 642 $278,500,000 $433,801 $8,239 6.84%
    FHA 55 $18,755,000 $341,000 $13,898 6.69%
    VA 29 $12,265,000 $422,931 $9,981 6.38%
    USDA 1 $125,000 $125,000 $5,585 6.75%

    For 2023, Florida Capital Bank's most frequently originated type of loan was Conventional, with 642 originations. Their 2nd most popular type was FHA, with 55 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 667 $278,615,000 $417,714 $8,765 6.81%
    Cash Out Refi 39 $12,785,000 $327,821 $9,052 6.77%
    Refi 20 $17,590,000 $879,500 $7,075 6.62%
    Home Improvement 1 $655,000 $655,000 $0 0.00%

    For 2023, Florida Capital Bank's most frequently cited loan purpose was Home Purchase, with 667 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 695 $296,575,000 $426,727 $8,792 6.82%
    15 Year 19 $5,225,000 $275,000 $7,432 6.22%
    Other 8 $6,540,000 $817,500 $9,813 5.50%
    20 Year 4 $1,080,000 $270,000 $6,238 7.38%
    10 Year 1 $225,000 $225,000 $5,121 6.00%

    For 2023, Florida Capital Bank's most frequently cited loan duration was 30 Year, with 695 originations. The 2nd most popular length was 15 Year, with 19 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 229 $115,215,000 $503,122
    $1k-2k 179 $78,035,000 $435,950
    $4k-5k 85 $28,865,000 $339,588
    $2k-3k 81 $28,645,000 $353,642
    $3k-4k 76 $27,240,000 $358,421
    $<1k 70 $25,830,000 $369,000

    Florida Capital Bank's average total fees were $8,792, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 229 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 354 $143,840,000 $406,328
    7-8% 241 $91,045,000 $377,780
    5-6% 109 $64,245,000 $589,404
    Over 8% 14 $3,950,000 $282,143
    4-5% 2 $750,000 $375,000

    During 2023, Florida Capital Bank's average interest rate for loans was 6.82%, while their most frequently originated rate bucket for loans was 6-7%, with 354 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 339 $100,545,000 $296,593 $8,023 6.85%
    $600k-1MM 118 $90,430,000 $766,356 $11,424 6.54%
    $400k-600k 114 $54,940,000 $481,930 $10,509 6.87%
    $100k-200k 113 $18,125,000 $160,398 $5,293 6.96%
    $1MM+ 33 $44,845,000 $1,358,939 $13,693 6.46%
    $100,000 or less 10 $760,000 $76,000 $4,271 6.98%

    2023 saw Florida Capital Bank place emphasis on $200k-400k loans with 339 originations, totaling $100,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 168 $55,650,000 $331,250 $8,293 6.89%
    $250k+ 167 $127,595,000 $764,042 $11,179 6.75%
    $150k-250k 144 $63,620,000 $441,806 $9,385 6.82%
    $50k-75k 109 $23,335,000 $214,083 $6,580 6.80%
    $75k-100k 105 $29,975,000 $285,476 $7,945 6.77%
    $50k or less 28 $4,310,000 $153,929 $4,924 6.75%

    Florida Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 168 originations. The second most popular income band? $250k+, with 167 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 113 $57,765,000 $511,195 $9,282 6.78%
    20-30% 105 $49,345,000 $469,952 $8,615 6.76%
    49% 50 $18,730,000 $374,600 $8,757 6.95%
    44% 43 $16,425,000 $381,977 $8,167 6.85%
    45% 37 $12,995,000 $351,216 $6,996 6.65%
    41% 34 $14,430,000 $424,412 $9,355 6.61%
    38% 33 $15,945,000 $483,182 $8,625 6.58%
    48% 33 $11,225,000 $340,152 $8,671 6.89%
    39% 32 $14,820,000 $463,125 $7,899 6.83%
    40% 31 $12,125,000 $391,129 $9,158 6.80%
    42% 30 $11,760,000 $392,000 $8,238 6.93%
    50-60% 28 $9,530,000 $340,357 $11,243 6.58%
    43% 27 $9,285,000 $343,889 $8,564 7.01%
    36% 26 $14,440,000 $555,385 $10,061 6.87%
    47% 25 $8,105,000 $324,200 $8,167 7.24%
    46% 25 $8,385,000 $335,400 $8,420 6.90%
    37% 24 $10,730,000 $447,083 $9,591 6.75%
    <20% 22 $7,100,000 $322,727 $6,815 6.85%
    >60% 1 $445,000 $445,000 $7,720 6.75%

    Florida Capital Bank lent most frequently to those with DTI ratios of 30-36%, with 113 originations. The next most common DTI ratio? 20-30%, with 105 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 544 $223,970,000 $411,710 $8,486 6.86%
    Not provided 100 $45,540,000 $455,400 $9,828 6.62%
    Asian 46 $23,720,000 $515,652 $8,960 6.61%
    Black 24 $8,520,000 $355,000 $9,720 6.94%
    Not applicable 6 $5,160,000 $860,000 $0 0.00%
    Asian Indian 2 $990,000 $495,000 $4,567 6.94%
    Native Hawaiian or Islander 2 $970,000 $485,000 $12,023 6.06%
    American Indian 3 $775,000 $258,333 $7,385 6.58%

    Approval Rates

    Total approvals of all applications
    92.73%

    Florida Capital Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.94%

    Florida Capital Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 727 $309,645,000 $425,922

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    727 $309,645,000 $425,922

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $7,680,000 $295,385 $6,877 6.52%
    40-60% 75 $33,475,000 $446,333 $7,561 6.63%
    60-80% 248 $124,760,000 $503,065 $8,953 6.82%
    80-100% 359 $134,385,000 $374,331 $8,858 6.84%
    Over 100% 8 $2,970,000 $371,250 $16,232 6.55%
    Under 20% 4 $560,000 $140,000 $3,855 8.34%