Florida Capital Bank in Texas vs the state
6.4%Denial rate-13.00 pts vs state
6.9%Decision denial rate-18.05 pts vs state
78.3%Origination rate+23.45 pts vs state
6.38%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.13 pts vs state
$154kMedian applicant income
329Loans originated
27Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 301 | 226 | 8.6% | 6.63% | #325 |
| 2024 | 391 | 322 | 4.4% | 6.50% | #283 |
| 2025 | 420 | 329 | 6.4% | 6.38% | #290 |
What Florida Capital Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Travis County | 93 | 68 | 3 | 3.2% |
| Williamson County | 60 | 52 | 3 | 5.0% |
| Dallas County | 36 | 31 | 2 | 5.6% |
| Tarrant County | 31 | 25 | 0 | 0.0% |
| Harris County | 29 | 22 | 3 | 10.3% |
| Collin County | 25 | 19 | 4 | 16.0% |
| Denton County | 23 | 18 | 2 | 8.7% |
| Hays County | 15 | 12 | 0 | 0.0% |
| Montgomery County | 9 | 8 | 0 | 0.0% |
| Bexar County | 7 | 5 | 1 | 14.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 420 applications in 2025, of which 329 were originated and 27 denied.
6.4% of all applications, or 6.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Florida Capital Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Florida Capital Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology