Capital City Bank in Florida vs the state
32.1%Denial rate+11.00 pts vs state
33.0%Decision denial rate+5.72 pts vs state
59.6%Origination rate+6.87 pts vs state
6.99%Median rate+0.37 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$95kMedian applicant income
327Loans originated
176Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 490 | 322 | 29.0% | 5.99% | #233 |
| 2024 | 550 | 322 | 32.7% | 6.99% | #231 |
| 2025 | 549 | 327 | 32.1% | 6.99% | #231 |
What Capital City Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Capital City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leon County | 96 | 65 | 23 | 24.0% |
| Levy County | 61 | 38 | 18 | 29.5% |
| Alachua County | 48 | 28 | 18 | 37.5% |
| Hernando County | 38 | 20 | 14 | 36.8% |
| Citrus County | 37 | 23 | 11 | 29.7% |
| Putnam County | 31 | 16 | 11 | 35.5% |
| Nassau County | 26 | 16 | 9 | 34.6% |
| Wakulla County | 25 | 16 | 6 | 24.0% |
| Gilchrist County | 22 | 13 | 8 | 36.4% |
| Bradford County | 16 | 10 | 5 | 31.3% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 549 applications in 2025, of which 327 were originated and 176 denied.
32.1% of all applications, or 33.0% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Capital City Bank originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Capital City Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology