Florida Capital Bank Mortgage Rates, Fees & Info
Jacksonville, FLLEI: 549300ZIXM1VUXPG4D03
Tax ID: 59-2475686
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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.
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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
2,794Origination Dollar Volume (All Markets)
$1,091,900,000Employee count
153Awards
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Florida Capital Bank - 2021
Florida Capital Bank is a 2021 , due to their low .
For 2021, 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 |
|---|---|---|---|---|---|
| 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, KY (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% |
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Product Mix
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
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
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
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
2021 saw Florida Capital Bank place emphasis on $200k-400k loans with 1,354 originations, totaling $386,630,000 in origination value.
Applicant Income
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
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
Approval Rates
Total approvals of all applications87.88%
Florida Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination95.99%
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
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 | 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 |
| Florida Capital Bank, National Association | 4830 West Kennedy Blvd Tampa, FL 33609 | Full Service B&M | $34,174 |
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 |