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

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

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & 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 by origination volume include: Los Angeles, San Francisco, San Jose, Jacksonville, and Minneapolis among others. We have data for 236 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Florida Capital Bank has an average approval rate when compared to the average across all lenders. They have an above 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.

    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
    Home Equity Line of Credit (HELOC) 6.27% 1/29/23
    30 Year Conventional Purchase 6.51% 1/29/23
    30 Year Conventional Refi 6.34% 1/29/23
    30 Year Cash-out Refi 6.50% 1/29/23
    30 Year FHA Purchase 7.22% 1/29/23
    30 Year FHA Refi 7.01% 1/29/23
    30 Year VA Purchase 6.19% 1/29/23
    30 Year VA Refi 5.90% 1/29/23
    30 Year USDA Purchase 6.84% 1/29/23
    30 Year USDA Refi 6.81% 1/29/23
    15 Year Conventional Purchase 5.85% 1/29/23
    15 Year Conventional Refi 5.83% 1/29/23
    15 Year Cash-out Refi 5.83% 1/29/23
    15 Year FHA Refi 7.52% 1/29/23
    15 Year VA Refi 6.63% 1/29/23
    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.


    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 mortgage rate was 2.96%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.19%.

    Relative Fees (Closing Costs)

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

    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) 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.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Florida Capital Bank's most frequently originated type of loan was Conventional, with 2,349 originations. Their 2nd most popular type was VA, with 208 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Florida Capital Bank's most frequently cited loan purpose was Refi, with 932 originations. The 2nd most popular reason was 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 2021, Florida Capital Bank's most frequently cited loan duration was 30 Year, with 2,300 originations. The 2nd most popular length was 15 Year, with 303 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,098 $489,040,000 $445,392
    $<1k 543 $162,285,000 $298,867
    $5k+ 349 $195,285,000 $559,556
    $2k-3k 322 $94,570,000 $293,696
    $3k-4k 254 $76,600,000 $301,575
    $4k-5k 228 $74,120,000 $325,088

    Florida Capital Bank's average total fees were $5,864, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.96%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    87.88%

    Florida Capital Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    95.99%

    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 1000 Legion Place, Suite 1250 Orlando, FL 32801 Full Service B&M $87,169
    Florida Capital Bank, National Association 4830 West Kennedy Blvd Tampa, FL 33609 Full Service B&M $34,174
    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