Capital City Home Loans in Florida vs the state
7.8%Denial rate-13.24 pts vs state
9.8%Decision denial rate-17.47 pts vs state
72.1%Origination rate+19.39 pts vs state
6.88%Median rate+0.25 pts vs state
0.52Rate spread (pts)+0.25 pts vs state
$122kMedian applicant income
599Loans originated
65Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,043 | 724 | 8.3% | 6.63% | #147 |
| 2024 | 831 | 578 | 7.0% | 6.88% | #174 |
| 2025 | 831 | 599 | 7.8% | 6.88% | #172 |
What Capital City Home Loans lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Capital City Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Leon County | 169 | 120 | 16 | 9.5% |
| Nassau County | 137 | 104 | 1 | 0.7% |
| Hernando County | 47 | 30 | 9 | 19.1% |
| Wakulla County | 44 | 33 | 3 | 6.8% |
| Bay County | 37 | 32 | 1 | 2.7% |
| Walton County | 27 | 20 | 3 | 11.1% |
| Pinellas County | 26 | 15 | 3 | 11.5% |
| Gadsden County | 25 | 15 | 4 | 16.0% |
| Citrus County | 23 | 18 | 1 | 4.3% |
| Taylor County | 21 | 17 | 2 | 9.5% |
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: 831 applications in 2025, of which 599 were originated and 65 denied.
7.8% of all applications, or 9.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Capital City Home Loans originated in Florida in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Capital City Home Loans'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