Sanibel Captiva Community Bank in Florida vs the state
3.0%Denial rate-18.05 pts vs state
4.4%Decision denial rate-22.89 pts vs state
62.4%Origination rate+9.72 pts vs state
8.50%Median rate+1.88 pts vs state
1.52Rate spread (pts)+1.26 pts vs state
$216kMedian applicant income
83Loans originated
4Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 255 | 1.1% | 7.99% | #283 |
| 2024 | 198 | 133 | 2.5% | 8.75% | #379 |
| 2025 | 133 | 83 | 3.0% | 8.50% | #438 |
What Sanibel Captiva Community Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Sanibel Captiva Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 107 | 70 | 3 | 2.8% |
| Collier County | 15 | 8 | 1 | 6.7% |
| Charlotte County | 6 | 2 | 0 | 0.0% |
| Pinellas County | 1 | 0 | 0 | 0.0% |
| Hillsborough County | 1 | 1 | 0 | 0.0% |
| Glades County | 1 | 1 | 0 | 0.0% |
| Sarasota County | 1 | 0 | 0 | 0.0% |
| Monroe County | 1 | 1 | 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: 133 applications in 2025, of which 83 were originated and 4 denied.
3.0% of all applications, or 4.4% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Sanibel Captiva Community Bank originated in Florida in 2025 was 8.50%, against a statewide median of 6.63%.
About this data. Figures are Sanibel Captiva Community 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