Florida Capital Bank in California vs the state
10.4%Denial rate-6.99 pts vs state
10.7%Decision denial rate-11.69 pts vs state
76.5%Origination rate+20.32 pts vs state
6.38%Median rate-0.25 pts vs state
0.04Rate spread (pts)-0.24 pts vs state
$159kMedian applicant income
88Loans originated
12Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 115 | 86 | 8.7% | 6.63% | #412 |
| 2024 | 116 | 87 | 10.3% | 6.63% | #420 |
| 2025 | 115 | 88 | 10.4% | 6.38% | #418 |
What Florida Capital Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Humboldt County | 57 | 52 | 1 | 1.8% |
| Alameda County | 9 | 6 | 0 | 0.0% |
| Orange County | 7 | 4 | 2 | 28.6% |
| Los Angeles County | 5 | 3 | 2 | 40.0% |
| Sacramento County | 4 | 3 | 1 | 25.0% |
| San Mateo County | 4 | 2 | 1 | 25.0% |
| Santa Clara County | 4 | 3 | 1 | 25.0% |
| El Dorado County | 3 | 1 | 1 | 33.3% |
| Contra Costa County | 3 | 2 | 1 | 33.3% |
| Shasta County | 2 | 2 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 115 applications in 2025, of which 88 were originated and 12 denied.
10.4% of all applications, or 10.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Florida Capital Bank originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Florida Capital Bank's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology