Florida Capital Bank Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 549300ZIXM1VUXPG4D03
Tax ID: 59-2475686
Latest/2023 | 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. 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.58% | 4/23/24 |
| 30 Year Conventional Refi | 6.51% | 4/23/24 |
| 30 Year Cash-out Refi | 6.55% | 4/23/24 |
| 30 Year FHA Purchase | 7.23% | 4/23/24 |
| 30 Year FHA Refi | 6.75% | 4/23/24 |
| 30 Year VA Purchase | 6.18% | 4/23/24 |
| 30 Year VA Refi | 5.69% | 4/23/24 |
| 30 Year USDA Purchase | 6.37% | 4/23/24 |
| 30 Year USDA Refi | 6.27% | 4/23/24 |
| 15 Year Conventional Purchase | 6.07% | 4/23/24 |
| 15 Year Conventional Refi | 5.96% | 4/23/24 |
| 15 Year Cash-out Refi | 5.96% | 4/23/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
727Origination Dollar Volume (All Markets)
$309,645,000Awards
Florida Capital Bank - 2023
Florida Capital Bank is a 2023 , due to their low .
For 2023, 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
6.82%.
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% |
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.
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Product Mix
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
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
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
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
2023 saw Florida Capital Bank place emphasis on $200k-400k loans with 339 originations, totaling $100,545,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications92.73%
Florida Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination82.94%
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 |