Florida Capital Bank in Florida vs the state
8.2%Denial rate-12.84 pts vs state
9.2%Decision denial rate-18.01 pts vs state
69.9%Origination rate+17.17 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.12 pts vs state
$144kMedian applicant income
102Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 213 | 145 | 11.7% | 7.13% | #373 |
| 2024 | 284 | 198 | 10.2% | 6.75% | #324 |
| 2025 | 146 | 102 | 8.2% | 6.50% | #424 |
What Florida Capital Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Duval County | 20 | 14 | 3 | 15.0% |
| Volusia County | 16 | 12 | 0 | 0.0% |
| Broward County | 12 | 7 | 4 | 33.3% |
| Seminole County | 11 | 7 | 0 | 0.0% |
| Lee County | 9 | 6 | 1 | 11.1% |
| Orange County | 9 | 6 | 0 | 0.0% |
| St. Johns County | 9 | 8 | 1 | 11.1% |
| Lake County | 8 | 5 | 1 | 12.5% |
| Clay County | 6 | 5 | 0 | 0.0% |
| Polk County | 5 | 4 | 0 | 0.0% |
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: 146 applications in 2025, of which 102 were originated and 12 denied.
8.2% of all applications, or 9.2% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Florida Capital Bank originated in Florida in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Florida Capital 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