Florida Capital Bank in North Carolina vs the state
7.7%Denial rate-10.37 pts vs state
8.3%Decision denial rate-14.49 pts vs state
61.5%Origination rate+3.73 pts vs state
6.50%Median rate0.00 pts vs state
0.10Rate spread (pts)+0.01 pts vs state
$198kMedian applicant income
8Loans originated
1Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 11 | 15.4% | 6.50% | #573 |
| 2024 | 21 | 18 | 9.5% | 6.81% | #500 |
| 2025 | 13 | 8 | 7.7% | 6.50% | #585 |
What Florida Capital Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 4 | 4 | 0 | 0.0% |
| Yancey County | 1 | 0 | 0 | 0.0% |
| Harnett County | 1 | 1 | 0 | 0.0% |
| Burke County | 1 | 1 | 0 | 0.0% |
| Caldwell County | 1 | 0 | 0 | 0.0% |
| Iredell County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Gaston County | 1 | 0 | 0 | 0.0% |
| Rowan County | 1 | 0 | 1 | 100.0% |
| Johnston County | 1 | 0 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 13 applications in 2025, of which 8 were originated and 1 denied.
7.7% of all applications, or 8.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Florida Capital Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Florida Capital Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology