Florida Capital Bank in Ohio vs the state
10.5%Denial rate-7.16 pts vs state
10.5%Decision denial rate-11.36 pts vs state
89.5%Origination rate+29.57 pts vs state
6.63%Median rate-0.25 pts vs state
0.41Rate spread (pts)+0.02 pts vs state
$119kMedian applicant income
17Loans originated
2Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 17 | 0.0% | 7.13% | #498 |
| 2024 | 20 | 13 | 15.0% | 6.88% | #522 |
| 2025 | 19 | 17 | 10.5% | 6.63% | #536 |
What Florida Capital Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 4 | 3 | 1 | 25.0% |
| Cuyahoga County | 4 | 3 | 1 | 25.0% |
| Geauga County | 4 | 4 | 0 | 0.0% |
| Ashtabula County | 1 | 1 | 0 | 0.0% |
| Lucas County | 1 | 1 | 0 | 0.0% |
| Portage County | 1 | 1 | 0 | 0.0% |
| Seneca County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Butler County | 1 | 1 | 0 | 0.0% |
| Clermont County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 19 applications in 2025, of which 17 were originated and 2 denied.
10.5% of all applications, or 10.5% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Florida Capital Bank originated in Ohio in 2025 was 6.63%, against a statewide median of 6.88%.
About this data. Figures are Florida Capital Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology