Capital City Bank mortgage approval rate & lending review
Capital City Bank decided 898 mortgage applications and funded 611 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Capital City Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Capital City Bank at a glance
Approval is 6.3 points above the 67.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 73% | 27 / 37 | 89% | $245K | 24 |
| Home improvement loans | 72% | 436 / 605 | 92% | $105K | 401 |
| Refinance | 63% | 79 / 125 | 92% | $125K | 73 |
| Investment property purchase | 92% | 57 / 62 | 93% | $165K | 53 |
| Investment refinance | 100% | 36 / 36 | 94% | $155K | 34 |
| Investment home improvement | 84% | 27 / 32 | 93% | $125K | 25 |
Capital City Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Capital City Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Leon County, FL | Home improvement loans | 73% | 153 | 102 |
| Alachua County, FL | Home improvement loans | 67% | 76 | 46 |
| Hernando County, FL | Home improvement loans | 76% | 59 | 42 |
| Bibb County, GA | Home improvement loans | 69% | 39 | 26 |
| Fulton County, GA | Home improvement loans | 86% | 28 | 21 |
| Bibb County, GA | Investment property purchase | 100% | 24 | 20 |
| Citrus County, FL | Home improvement loans | 61% | 38 | 19 |
| Forsyth County, GA | Home improvement loans | 70% | 23 | 15 |
| Leon County, FL | Refinance | 62% | 24 | 14 |
| Cobb County, GA | Home improvement loans | 71% | 24 | 14 |
The county markets where Capital City Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Capital City Bank
What is Capital City Bank's mortgage approval rate?
Capital City Bank approved 73.8% of the 898 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.3 points above the 67.5% national rate for the same mix of loan types.
How often do borrowers take the loan Capital City Bank offers?
Borrowers accepted 92% of the loans Capital City Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Capital City Bank make?
The typical home improvement loan loan Capital City Bank made was $105K; across all loan types its typical loan ran from $105K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Capital City Bank lend?
Capital City Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Florida, Georgia and Alabama.
Can I apply to Capital City Bank directly?
Yes. Capital City Bank is a bank or credit union with 67 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Capital City Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Capital City Bank treats applications, then get a rate quote from the lender.