Florida Capital Bank, National Association mortgage approval rate & lending review
Florida Capital Bank, National Association decided 2,756 mortgage applications and funded 2,278 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Florida Capital Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Florida Capital Bank, National Association at a glance
Approval is 6.4 points above the 85.3% 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 | 93% | 2,003 / 2,144 | 91% | $365K | 1,825 |
| Cash-out refinance | 85% | 132 / 156 | 86% | $305K | 113 |
| Refinance | 87% | 214 / 247 | 83% | $545K | 177 |
| Investment property purchase | 89% | 155 / 175 | 90% | $315K | 140 |
Florida Capital Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 94% | $375K | 964 | 822 |
| Florida | 89% | $335K | 540 | 428 |
| California | 90% | $365K | 315 | 251 |
| Minnesota | 97% | $385K | 227 | 200 |
| Illinois | 91% | $465K | 107 | 86 |
| Pennsylvania | 94% | $335K | 87 | 77 |
| Arizona | 91% | $425K | 56 | 45 |
| New Jersey | 88% | $575K | 52 | 38 |
| Alabama | 98% | $285K | 46 | 35 |
| Ohio | 93% | $185K | 46 | 38 |
| Colorado | 90% | $395K | 42 | 33 |
| North Carolina | 91% | $415K | 34 | 29 |
| Wisconsin | 94% | $225K | 33 | 30 |
| Oregon | 80% | $285K | 30 | 23 |
| Georgia | 92% | $435K | 24 | 19 |
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 Florida Capital Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Humboldt County, CA | Mortgage lenders | 98% | 123 | 114 |
| Wright County, MN | Mortgage lenders | 100% | 53 | 47 |
| Eau Claire County, WI | Mortgage lenders | 96% | 23 | 22 |
| Travis County, TX | Refinance | 85% | 20 | 15 |
The county markets where Florida Capital Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Florida Capital Bank, National Association
What is Florida Capital Bank, National Association's mortgage approval rate?
Florida Capital Bank, National Association approved 91.8% of the 2,756 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.4 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Florida Capital Bank, National Association offers?
Borrowers accepted 90% of the loans Florida Capital Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Florida Capital Bank, National Association make?
The typical home purchase mortgage loan Florida Capital Bank, National Association made was $365K; across all loan types its typical loan ran from $305K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Florida Capital Bank, National Association lend?
Florida Capital Bank, National Association decided applications in 41 of the states Fat Boy Data covers, most of them in Texas, Florida and California.
Can I apply to Florida Capital Bank, National Association directly?
Yes. Florida Capital Bank, National Association is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Florida Capital Bank, National Association'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 Florida Capital Bank, National Association treats applications, then get a rate quote from the lender.