Florida Capital Bank Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 549300ZIXM1VUXPG4D03
Tax ID: 59-2475686
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Mortgage Data
Bank 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 an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Philadelphia, Los Angeles, Minneapolis, Chicago, and San Francisco among others. We have data for 197 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.58% | 12/16/24 |
| 30 Year Conventional Refi | 6.51% | 12/16/24 |
| 30 Year Cash-out Refi | 6.55% | 12/16/24 |
| 30 Year FHA Purchase | 7.23% | 12/16/24 |
| 30 Year FHA Refi | 6.75% | 12/16/24 |
| 30 Year VA Purchase | 6.18% | 12/16/24 |
| 30 Year VA Refi | 5.69% | 12/16/24 |
| 30 Year USDA Purchase | 6.37% | 12/16/24 |
| 30 Year USDA Refi | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.07% | 12/16/24 |
| 15 Year Conventional Refi | 5.96% | 12/16/24 |
| 15 Year Cash-out Refi | 5.96% | 12/16/24 |
| 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
2,196Origination Dollar Volume (All Markets)
$649,970,000Employee count
183Awards
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Florida Capital Bank - 2018
Florida Capital Bank is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 616 | $160,590,000 | $260,698 | $6,301 | 4.76% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 109 | $61,925,000 | $568,119 | $8,190 | 4.47% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 131 | $38,585,000 | $294,542 | $5,273 | 4.58% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 121 | $34,995,000 | $289,215 | $5,154 | 4.61% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 33 | $21,375,000 | $647,727 | $4,821 | 4.07% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 84 | $20,980,000 | $249,762 | $6,771 | 4.79% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 41 | $15,755,000 | $384,268 | $7,447 | 4.69% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 58 | $15,610,000 | $269,138 | $6,171 | 4.46% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 19 | $14,165,000 | $745,526 | $4,387 | 3.81% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 51 | $11,465,000 | $224,804 | $5,087 | 4.79% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 53 | $11,325,000 | $213,679 | $5,320 | 4.65% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 21 | $11,275,000 | $536,905 | $8,366 | 4.48% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 39 | $10,975,000 | $281,410 | $5,602 | 4.89% |
| READING, PA (FHA|USDA|VA) | 66 | $10,220,000 | $154,848 | $5,969 | 4.86% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 24 | $9,920,000 | $413,333 | $6,568 | 4.59% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $9,390,000 | $313,000 | $7,702 | 4.52% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 42 | $8,190,000 | $195,000 | $4,262 | 4.94% |
| Outside of Metro Areas | 42 | $8,010,000 | $190,714 | $5,589 | 4.72% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $7,705,000 | $335,000 | $9,571 | 4.70% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 18 | $7,420,000 | $412,222 | $6,901 | 4.42% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 13 | $6,685,000 | $514,231 | $6,795 | 4.54% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 13 | $6,315,000 | $485,769 | $9,950 | 4.57% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 17 | $5,555,000 | $326,765 | $6,327 | 4.51% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 12 | $5,130,000 | $427,500 | $5,355 | 4.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 16 | $5,120,000 | $320,000 | $5,740 | 4.48% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 21 | $4,955,000 | $235,952 | $6,372 | 4.78% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 18 | $4,720,000 | $262,222 | $6,650 | 4.83% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 14 | $4,380,000 | $312,857 | $6,402 | 4.86% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 14 | $3,410,000 | $243,571 | $4,109 | 4.69% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $3,265,000 | $362,778 | $9,621 | 4.39% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 11 | $3,255,000 | $295,909 | $8,489 | 4.73% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 11 | $3,225,000 | $293,182 | $7,025 | 4.69% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $5,634 | 4.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 10 | $2,960,000 | $296,000 | $8,417 | 4.60% |
| Edwards, CO (FHA|USDA|VA) | 7 | $2,905,000 | $415,000 | $5,092 | 4.82% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 13 | $2,805,000 | $215,769 | $5,223 | 4.63% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 12 | $2,720,000 | $226,667 | $7,231 | 4.27% |
| AKRON, OH (FHA|USDA|VA) | 15 | $2,415,000 | $161,000 | $3,592 | 5.10% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 6 | $2,350,000 | $391,667 | $4,564 | 4.91% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $9,558 | 4.54% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $2,160,000 | $540,000 | $5,848 | 4.06% |
| LANCASTER, PA (FHA|USDA|VA) | 10 | $2,160,000 | $216,000 | $8,299 | 4.76% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 5 | $2,085,000 | $417,000 | $11,048 | 4.78% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $2,030,000 | $507,500 | $6,948 | 4.41% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 4 | $1,960,000 | $490,000 | $8,593 | 4.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $4,470 | 4.30% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,840,000 | $460,000 | $4,682 | 4.50% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $5,695 | 4.81% |
| STOCKTON, CA (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $7,215 | 5.13% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $12,237 | 4.47% |
| Bemidji, MN (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $5,823 | 4.61% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $9,233 | 4.58% |
| BOISE CITY, ID (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $9,134 | 4.48% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $6,515 | 4.33% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $5,811 | 4.62% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $6,429 | 5.43% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $8,662 | 4.48% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $9,410 | 4.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $6,256 | 4.78% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $5,510 | 4.78% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $8,118 | 4.66% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,928 | 5.21% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $6,515 | 4.98% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $7,587 | 4.75% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $3,034 | 3.94% |
| MADISON, WI (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $8,001 | 4.16% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $5,111 | 4.94% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $6,404 | 4.67% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $9,258 | 4.34% |
| FARGO, ND-MN (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $4,700 | 4.06% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $6,504 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $8,868 | 4.92% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $4,886 | 4.94% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,019 | 4.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $7,012 | 4.92% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $6,173 | 4.71% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $8,631 | 4.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $3,770 | 4.88% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $10,976 | 4.88% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $7,223 | 5.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $5,549 | 5.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $7,506 | 5.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $7,212 | 4.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,105 | 4.38% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,014 | 5.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $4,169 | 3.94% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $4,937 | 4.44% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,940 | 4.88% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $9,102 | 4.56% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,908 | 4.44% |
| Brainerd, MN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $3,586 | 4.67% |
| Somerset, PA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $6,717 | 4.38% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,628 | 4.56% |
| OCALA, FL (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $6,778 | 4.63% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $5,220 | 4.06% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $9,726 | 4.31% |
| Outside of Metro Areas | 2 | $430,000 | $215,000 | $6,128 | 4.31% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $6,864 | 4.63% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $5,689 | 4.69% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $11,553 | 5.06% |
| DOVER, DE (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $6,916 | 4.81% |
| NAPA, CA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,036 | 4.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $7,409 | 4.63% |
| MONROE, LA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $9,292 | 4.81% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $8,013 | 5.06% |
| Centralia, WA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $9,452 | 4.56% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,567 | 4.75% |
| Crescent City, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,842 | 4.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $9,825 | 4.44% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $7,927 | 4.69% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,320 | 5.00% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,480 | 4.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,654 | 4.69% |
| Helena, MT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,144 | 4.88% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,574 | 4.50% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,449 | 5.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $4,507 | 4.25% |
| Pottsville, PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $5,488 | 4.83% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $5,364 | 4.75% |
| UTICA-ROME, NY (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $3,646 | 4.50% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,109 | 5.63% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,486 | 4.88% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,016 | 5.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,042 | 4.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $8,160 | 5.38% |
| Jamestown, ND (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $5,728 | 4.25% |
| SALEM, OR (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,583 | 4.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,782 | 3.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,590 | 4.50% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,322 | 5.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,500 | 3.75% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,166 | 4.63% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,728 | 4.63% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.25% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,283 | 4.38% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,344 | 5.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,111 | 4.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,814 | 5.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 4.63% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,096 | 4.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,439 | 4.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $14,403 | 5.13% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,774 | 3.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,691 | 4.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,119 | 5.38% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,421 | 4.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $10,101 | 4.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,593 | 4.50% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,621 | 3.88% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,320 | 4.49% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $6,910 | 4.75% |
| Wahpeton, ND-MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,838 | 4.49% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,208 | 4.50% |
| AMES, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,614 | 4.38% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,334 | 5.25% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,182 | 4.63% |
| MADERA, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,717 | 4.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,302 | 4.50% |
| Owatonna, MN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,915 | 5.13% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,621 | 4.88% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,434 | 3.88% |
| Prineville, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,624 | 4.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,804 | 4.88% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $3,081 | 5.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,859 | 4.50% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,361 | 3.88% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,601 | 3.88% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,447 | 5.13% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,806 | 4.50% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,800 | 5.25% |
| Hastings, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,739 | 4.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,415 | 4.50% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,771 | 3.75% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,103 | 3.75% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,116 | 5.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,101 | 4.25% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $11,438 | 3.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,503 | 4.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,249 | 4.50% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,067 | 4.88% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,856 | 4.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,615 | 4.63% |
| REDDING, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,474 | 4.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,492 | 4.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,960 | 5.25% |
| Greenville, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,474 | 4.63% |
| Rockport, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.75% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,771 | 4.38% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,826 | 5.13% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,844 | 5.00% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,184 | 5.13% |
| Forest City, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,616 | 5.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,316 | 4.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,562 | 4.50% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,353 | 4.75% |
| Minot, ND (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,424 | 5.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,036 | 4.75% |
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Product Mix
For 2018, Florida Capital Bank's most frequently originated type of loan was Conventional, with 1,455 originations. Their 2nd most popular type was FHA, with 530 originations.
Loan Reason
For 2018, Florida Capital Bank's most frequently cited loan purpose was Home Purchase, with 1,336 originations. The 2nd most popular reason was Cash Out Refi, with 614 originations.
Loan Duration/Length
For 2018, Florida Capital Bank's most frequently cited loan duration was 30 Year, with 1,993 originations. The 2nd most popular length was 15 Year, with 113 originations.
Origination Fees/Closing Costs
Florida Capital Bank's average total fees were $6,414, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,085 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,516 | $428,460,000 | $282,625 |
| 5-6% | 394 | $95,640,000 | $242,741 |
| 3-4% | 277 | $123,035,000 | $444,170 |
| 7-8% | 5 | $485,000 | $97,000 |
| 6-7% | 4 | $2,350,000 | $587,500 |
During 2018, Florida Capital Bank's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 4-5%, with 1,516 originations.
Loan Sizing
2018 saw Florida Capital Bank place emphasis on $200k-400k loans with 1,062 originations, totaling $294,810,000 in origination value.
Applicant Income
Florida Capital Bank lent most frequently to those with incomes in the $50k-75k range, with 500 originations. The second most popular income band? $100k-150k, with 470 originations.
Applicant Debt to Income Ratio
Florida Capital Bank lent most frequently to those with DTI ratios of 30-36%, with 355 originations. The next most common DTI ratio? 20-30%, with 303 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.94%
Florida Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination97.04%
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 | 2,196 | $649,970,000 | $295,979 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 2,196 | $649,970,000 | $295,979 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| FLORIDA HOME TRUST MORTGAGE | Conventional home mortgage | Trouble during payment process | 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 | $70,402 |
| Florida Capital Bank, National Association | 10151 Deerwood Park Blvd Jacksonville, FL 32256 | Full Service B&M | $145,344 |
| Florida Capital Bank, National Association | 10151 Deerwood Park Blvd Building 100, Suite 200-A Jacksonville, FL 32256 | Full Service B&M | $0 |
| Florida Capital Bank, National Association | 241 Sw 7th Terrace Gainesville, FL 32601 | Full Service B&M | $18,905 |
| Florida Capital Bank, National Association | 4830 West Kennedy Blvd Tampa, FL 33609 | Full Service B&M | $21,531 |
For 2018, Florida Capital Bank had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $15,757 |
| Net interest income | $11,410 |
| Total noninterest income | $18,170 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $197 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $17,973 |
| Pre-tax net operating income | $1,028 |
| Securities gains (or losses, -) | $-8 |
| Income before extraordinary items | $5,609 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $5,609 |
| Minority interest net income | $0 |
| Net income | $5,609 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $5,617 |
Florida Capital Bank's gross interest income from loans was $15,757,000.
Florida Capital Bank's net interest income from loans was $11,410,000.
Florida Capital Bank's fee based income from loans was $197,000.
Florida Capital Bank's net income from loans was $5,609,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,347 |
| Provision for credit losses | $0 |
| Total noninterest expense | $28,552 |
| Salaries and employee benefits | $18,352 |
| Premises and equipment expense | $1,462 |
| Additional noninterest expense | $8,738 |
| Applicable income taxes | $-4,589 |
| Net charge-offs | $249 |
| Cash dividends | $0 |
Florida Capital Bank's interest expense for loans was $4,347,000.
Florida Capital Bank's payroll and benefits expense were $18,352,000.
Florida Capital Bank's property, plant and equipment expenses $1,462,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 1.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 4.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| 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 | $239,962 |
| Deposits held in domestic offices | $239,962 |
| Deposits by Individuals, partnerships, and corporations | $236,826 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $3,135 |
| 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 | $102,621 |
| Demand deposits | $85,064 |
| Nontransaction accounts | $137,340 |
| Money market deposit accounts (MMDAs) | $53,887 |
| Other savings deposits (excluding MMDAs) | $2,368 |
| Total time deposits | $81,085 |
| Total time and savings deposits | $154,897 |
| Noninterest-bearing deposits | $86,452 |
| Interest-bearing deposits | $153,510 |
| Retail deposits | $170,108 |
| IRAs and Keogh plan accounts | $5,940 |
| Brokered deposits | $60,194 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $407,529 |
| Cash & Balances due from depository institutions | $24,618 |
| Interest-bearing balances | $15,870 |
| Total securities | $27,038 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $323,634 |
| Loan and leases loss allowance | $1,957 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $573 |
| Other real estate owned | $3,703 |
| Goodwill and other intangibles | $1,158 |
| All other assets | $26,805 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $407,529 |
| Total Liabilities | $370,914 |
| Total deposits | $239,962 |
| Interest-bearing deposits | $153,510 |
| Deposits held in domestic offices | $239,962 |
| % insured (estimated) | $66 |
| Federal funds purchased and repurchase agreements | $25,472 |
| Trading liabilities | $0 |
| Other borrowed funds | $102,000 |
| Subordinated debt | $0 |
| All other liabilities | $3,480 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $323,634 |
| Loan and leases loss allowance | $1,957 |
| Total loans and leases (domestic) | $325,591 |
| All real estate loans | $213,836 |
| Real estate loans in domestic offices | $213,836 |
| Construction and development loans | $10,868 |
| Residential 1-4 family construction | $2,786 |
| Other construction, all land development and other land | $8,082 |
| Loans secured by nonfarm nonresidential properties | $76,354 |
| Nonfarm nonresidential secured by owner-occupied properties | $47,472 |
| Commercial real estate & other non-farm, non-residential | $28,882 |
| Multifamily residential real estate | $812 |
| 1-4 family residential loans | $124,112 |
| Farmland loans | $1,690 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $21,994 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $328 |
| Credit card loans | $0 |
| Related Plans | $325 |
| Consumer Auto Loans | $3 |
| Other loans to individuals | $0 |
| All other loans & leases | $89,432 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $89,432 |
| 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 | $142 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Florida Capital Bank had $323,634,000 of loans outstanding in 2018. $213,836,000 of loans were in real estate loans. $10,868,000 of loans were in development loans. $812,000 of loans were in multifamily mortgage loans. $124,112,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $3,000 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 | 65 | $18,005 | $277,000 |
| Nonfarm, nonresidential loans - <$100k | 2 | $20 | $10,000 |
| Nonfarm, nonresidential loans - $100-250k | 16 | $1,839 | $114,938 |
| Nonfarm, nonresidential loans - $250k-1MM | 47 | $16,146 | $343,532 |
| Commercial & Industrial, US addressed loans - <$1MM | 170 | $13,001 | $76,476 |
| Commercial & Industrial, US addressed loans - <$100k | 34 | $523 | $15,382 |
| Commercial & Industrial, US addressed loans - $100-250k | 73 | $4,788 | $65,589 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 63 | $7,690 | $122,063 |