Florida Capital Bank Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 549300ZIXM1VUXPG4D03
Tax ID: 59-2475686
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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. Their top markets by origination volume include: Austin, Dallas, Jacksonville, Minneapolis, and Chicago among others. We have data for 137 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.
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 | 6.97% | 4/5/25 |
| 30 Year Conventional Refi | 6.80% | 4/5/25 |
| 30 Year Cash-out Refi | 7.24% | 4/5/25 |
| 30 Year FHA Purchase | 6.91% | 4/5/25 |
| 30 Year FHA Refi | 6.69% | 4/5/25 |
| 30 Year VA Purchase | 6.39% | 4/5/25 |
| 15 Year Conventional Purchase | 6.02% | 4/5/25 |
| 15 Year Conventional Refi | 5.55% | 4/5/25 |
| 15 Year Cash-out Refi | 5.55% | 4/5/25 |
| 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
986Origination Dollar Volume (All Markets)
$440,080,000Awards
Florida Capital Bank - 2024
Florida Capital Bank is a 2024 , due to their low .
For 2024, 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
6.66%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.11%.
Relative Fees (Closing Costs)
Florida Capital Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,568.
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 $8,356.
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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 143 | $65,535,000 | $458,287 | $9,159 | 6.43% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 82 | $36,630,000 | $446,707 | $9,086 | 6.59% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 70 | $31,050,000 | $443,571 | $8,495 | 6.84% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 66 | $29,230,000 | $442,879 | $7,909 | 6.73% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 36 | $23,660,000 | $657,222 | $6,928 | 6.79% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 44 | $15,750,000 | $357,955 | $8,279 | 6.55% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 42 | $14,490,000 | $345,000 | $8,628 | 6.39% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $13,310,000 | $950,714 | $11,807 | 6.61% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 36 | $13,110,000 | $364,167 | $8,620 | 6.52% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $12,550,000 | $697,222 | $12,153 | 6.76% |
| Outside of Metro Areas | 38 | $12,210,000 | $321,316 | $6,761 | 6.91% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $9,900,000 | $495,000 | $7,882 | 6.64% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 12 | $8,720,000 | $726,667 | $14,300 | 6.49% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $7,550,000 | $471,875 | $8,131 | 6.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 19 | $7,195,000 | $378,684 | $7,660 | 6.52% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 14 | $7,050,000 | $503,571 | $7,520 | 6.65% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 21 | $6,575,000 | $313,095 | $6,505 | 6.68% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 22 | $5,700,000 | $259,091 | $6,376 | 6.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 7 | $5,575,000 | $796,429 | $12,971 | 6.53% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $5,010,000 | $357,857 | $10,933 | 7.03% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $4,840,000 | $605,000 | $10,942 | 6.83% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 12 | $4,560,000 | $380,000 | $9,241 | 6.47% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $4,355,000 | $483,889 | $10,084 | 6.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 12 | $4,330,000 | $360,833 | $7,280 | 6.74% |
| Athens, TX (FHA|USDA|VA) | 3 | $2,875,000 | $958,333 | $10,513 | 6.58% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 3 | $2,775,000 | $925,000 | $6,146 | 6.54% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $2,770,000 | $692,500 | $12,595 | 6.63% |
| Edwards, CO (FHA|USDA|VA) | 1 | $2,425,000 | $2,425,000 | $32,661 | 7.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $2,405,000 | $801,667 | $14,132 | 6.29% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 9 | $2,305,000 | $256,111 | $5,449 | 6.74% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $2,285,000 | $2,285,000 | $9,143 | 6.25% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $2,270,000 | $567,500 | $7,562 | 6.28% |
| LOUISVILLE, KY (FHA|USDA|VA) | 8 | $2,240,000 | $280,000 | $6,325 | 6.72% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 5 | $2,175,000 | $435,000 | $11,063 | 6.83% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,105,000 | $421,000 | $9,129 | 7.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $2,045,000 | $681,667 | $6,457 | 6.91% |
| TUCSON, AZ (FHA|USDA|VA) | 4 | $2,040,000 | $510,000 | $9,526 | 6.59% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $1,980,000 | $990,000 | $10,532 | 6.69% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $3,217 | 6.25% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $12,089 | 6.70% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,670,000 | $835,000 | $8,186 | 6.69% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $9,439 | 6.56% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $1,510,000 | $251,667 | $8,585 | 6.48% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $8,571 | 6.50% |
| Granbury, TX (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $7,513 | 6.84% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 3 | $1,275,000 | $425,000 | $4,250 | 6.04% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,185,000 | $395,000 | $7,493 | 6.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $9,171 | 6.31% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $7,859 | 6.50% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $10,031 | 7.38% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $1,100,000 | $550,000 | $8,316 | 7.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $8,133 | 6.63% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $1,035,000 | $345,000 | $12,301 | 6.12% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $9,924 | 6.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $10,129 | 6.63% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $5,243 | 6.00% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $9,859 | 6.38% |
| Seneca, SC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $3,950 | 6.25% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,515 | 6.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $11,967 | 6.38% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $18,728 | 6.63% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $8,656 | 7.35% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $7,216 | 6.75% |
| NILES, MI (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $5,372 | 6.50% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $9,021 | 6.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $21,307 | 6.88% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $13,041 | 6.75% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,725 | 6.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $5,785 | 6.88% |
| Hutchinson, MN (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $15,014 | 5.81% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $5,194 | 6.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $11,147 | 7.43% |
| TULSA, OK (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,390 | 6.56% |
| Menomonie, WI (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $8,255 | 7.06% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $5,276 | 7.04% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $10,266 | 5.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,697 | 7.25% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,431 | 6.68% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $13,896 | 6.44% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $10,867 | 7.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $6,309 | 7.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,095 | 6.50% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $10,878 | 5.99% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $6,564 | 7.44% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $7,314 | 6.49% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $13,583 | 6.99% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,372 | 6.13% |
| CHICO, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,149 | 6.44% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,580 | 6.63% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $6,805 | 6.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,777 | 7.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,530 | 6.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,108 | 5.99% |
| AKRON, OH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,670 | 7.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,479 | 6.13% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,825 | 7.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $8,023 | 5.75% |
| SALEM, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,486 | 6.13% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 7.75% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,828 | 6.99% |
| Albertville, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,913 | 6.99% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,815 | 6.38% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,264 | 7.25% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,261 | 6.88% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,863 | 5.75% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,729 | 6.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,941 | 6.50% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,454 | 6.63% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,045 | 6.88% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,094 | 6.50% |
| Centralia, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,136 | 6.99% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,032 | 6.99% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,107 | 6.99% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,506 | 6.13% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,438 | 7.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,489 | 6.50% |
| Danville, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,102 | 5.99% |
| Bonham, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,543 | 6.75% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,257 | 6.50% |
| Richmond, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,261 | 6.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,803 | 6.63% |
| Lake City, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,978 | 7.13% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,272 | 6.99% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,697 | 7.63% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,620 | 6.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,099 | 7.25% |
| Watertown, SD (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,098 | 6.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,573 | 6.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,932 | 5.38% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,595 | 7.38% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,761 | 7.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,866 | 6.25% |
| DOVER, DE (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,616 | 6.38% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,461 | 6.38% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,624 | 7.13% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,521 | 6.50% |
| Pottsville, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $10,019 | 6.75% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 863 | $391,365,000 | $453,494 | $7,982 | 6.71% |
| FHA | 81 | $29,795,000 | $367,840 | $13,321 | 6.08% |
| VA | 42 | $18,920,000 | $450,476 | $10,434 | 6.18% |
For 2024, Florida Capital Bank's most frequently originated type of loan was Conventional, with 863 originations. Their 2nd most popular type was FHA, with 81 originations.
Loan Reason
For 2024, Florida Capital Bank's most frequently cited loan purpose was Home Purchase, with 873 originations. The 2nd most popular reason was Refi, with 66 originations.
Loan Duration/Length
For 2024, Florida Capital Bank's most frequently cited loan duration was 30 Year, with 941 originations. The 2nd most popular length was 15 Year, with 26 originations.
Origination Fees/Closing Costs
Florida Capital Bank's average total fees were $8,568, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 301 originations.
Interest Rates
During 2024, Florida Capital Bank's average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 644 originations.
Loan Sizing
2024 saw Florida Capital Bank place emphasis on $200k-400k loans with 475 originations, totaling $144,035,000 in origination value.
Applicant Income
Florida Capital Bank lent most frequently to those with incomes in the $100k-150k range, with 287 originations. The second most popular income band? $150k-250k, with 259 originations.
Applicant Debt to Income Ratio
Florida Capital Bank lent most frequently to those with DTI ratios of 20-30%, with 167 originations. The next most common DTI ratio? 30-36%, with 160 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.63%
Florida Capital Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination82.96%
Florida Capital Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 986 | $440,080,000 | $446,329 |