Florida Capital Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th7.6% deniedPricingmedian rate spread over APOR, weight 30%
72nd0.13 ptsProcesswithdrawn + incomplete share, weight 15%
92nd6.8%Closing coststotal loan costs ÷ loan amount, weight 10%
67th1.92% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 982 | 727 | 9.5% | 10.8% | 6.88% | $310M |
| 2024 | 1,276 | 986 | 7.2% | 7.7% | 6.63% | $440M |
| 2025 | 1,168 | 891 | 7.1% | 7.6% | 6.49% | $366M |
What Florida Capital Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 8 manufactured homes, 25 investment properties.
Why Florida Capital Bank denies applications
Primary reason reported for each of the 83 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Florida Capital Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 282 | 218 | 8.1% |
| $100k – $150k | 307 | 247 | 5.5% |
| $150k – $250k | 312 | 251 | 5.1% |
| Over $250k | 237 | 159 | 11.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 56 | 42 | 8.2% |
| 25–34 | 352 | 287 | 5.7% |
| 35–44 | 319 | 233 | 6.6% |
| 45–54 | 187 | 146 | 9.6% |
| 55–64 | 152 | 106 | 11.3% |
| 65–74 | 77 | 58 | 9.7% |
| Over 74 | 24 | 18 | 4.4% |
Where Florida Capital Bank lends
34 states and 273 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 420 | 329 | 6.4% | 6.38% | #290 |
| Minnesota | 177 | 145 | 4.0% | 6.49% | #144 |
| Florida | 146 | 102 | 8.2% | 6.50% | #424 |
| California | 115 | 88 | 10.4% | 6.38% | #418 |
| Illinois | 45 | 27 | 11.1% | 6.63% | #476 |
| Pennsylvania | 34 | 28 | 2.9% | 6.88% | #538 |
| North Dakota | 31 | 30 | 3.2% | 6.13% | #87 |
| Kentucky | 23 | 17 | 4.4% | 6.38% | #340 |
| Ohio | 19 | 17 | 10.5% | 6.63% | #536 |
| Arizona | 18 | 12 | 0.0% | 6.56% | #426 |
| Alabama | 17 | 13 | 0.0% | 6.38% | #413 |
| Wisconsin | 15 | 12 | 6.7% | 6.69% | #447 |
| North Carolina | 13 | 8 | 7.7% | 6.50% | #585 |
| Colorado | 12 | 11 | 8.3% | 6.49% | #475 |
| Washington | 11 | 8 | 9.1% | 6.50% | #451 |
| Oklahoma | 10 | 9 | 0.0% | 6.25% | #400 |
| Oregon | 9 | 6 | 11.1% | 6.00% | #380 |
| New Jersey | 7 | 2 | 28.6% | 6.00% | #567 |
| Georgia | 6 | 4 | 16.7% | 6.38% | #737 |
| South Carolina | 6 | 3 | 16.7% | 6.13% | #619 |
| Virginia | 6 | 3 | 50.0% | 6.49% | #635 |
| Maryland | 5 | 4 | 0.0% | 6.49% | #531 |
Frequently asked questions
Florida Capital Bank denied 7.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of mid-size mortgage lenders.
The most common reason Florida Capital Bank gave in 2025 was "debt-to-income ratio", cited on 30.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Florida Capital Bank originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 76% of its applications were for home purchases, 24% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 84% conventional, 10% FHA, 6% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.