Capital City Bank
Capital City Bank received 765 applications in 2025 and made 462 mortgages, in 112 counties across 6 states. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 747 decisions, 239 were denials — 32.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549004EXIAAMK5CLH54 |
|---|---|
| Applications received | 765 |
| Mortgages made | 462 |
| Denied | 239 |
| Approved, not taken up | 46 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 145 |
| Median rate spread over the prime offer rate | -0.25 points |
| FDIC-insured bank | Yes: Capital City Bank, 67 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 37 | 7.250% | $205,000 | 13.0% |
| Refinancing | 63 | 6.990% | $185,000 | 35.2% |
| Other purposes | 362 | 6.990% | $105,000 | 32.9% |
Where Capital City Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Leon County, FL | 65 | 6.990% | 24.7% |
| Levy County, FL | 38 | 6.990% | 29.5% |
| Alachua County, FL | 28 | 6.990% | 38.3% |
| Citrus County, FL | 23 | 6.990% | 29.7% |
| Bibb County, GA | 23 | 6.990% | 21.9% |
| Hernando County, FL | 20 | 6.990% | 37.8% |
| Nassau County, FL | 16 | 6.990% | 36.0% |
| Putnam County, FL | 16 | 6.990% | 37.9% |
| Wakulla County, FL | 16 | 6.990% | 26.1% |
| Gilchrist County, FL | 13 | 6.990% | 38.1% |
| Fulton County, GA | 13 | 6.990% | 33.3% |
| Chambers County, AL | 10 | 6.990% | 21.4% |
| Bradford County, FL | 10 | 6.990% | 33.3% |
| Cobb County, GA | 10 | 6.990% | 25.0% |
| Forsyth County, GA | 10 | 6.990% | 35.3% |
| Clay County, FL | 9 | Under 10 loans | 9.1% |
| St. Johns County, FL | 8 | Under 10 loans | 20.0% |
| Grady County, GA | 7 | Under 10 loans | 42.9% |
| Gwinnett County, GA | 7 | Under 10 loans | 20.0% |
| Duval County, FL | 6 | Under 10 loans | 12.5% |
| Jefferson County, FL | 6 | Under 10 loans | 33.3% |
| Taylor County, FL | 6 | Under 10 loans | 11.1% |
| Houston County, GA | 6 | Under 10 loans | 14.3% |
| Laurens County, GA | 6 | Under 10 loans | 40.0% |
| Gadsden County, FL | 5 | Under 10 loans | 45.5% |
| Gulf County, FL | 5 | Under 10 loans | 14.3% |
| Cherokee County, GA | 5 | Under 10 loans | 0.0% |
| Bay County, FL | 4 | Under 10 loans | 44.4% |
| Columbia County, FL | 4 | Under 10 loans | 20.0% |
| Pasco County, FL | 4 | Under 10 loans | 50.0% |
| Walton County, FL | 4 | Under 10 loans | 20.0% |
| Coweta County, GA | 4 | Under 10 loans | 33.3% |
| Franklin County, FL | 3 | Under 10 loans | 40.0% |
| Lafayette County, FL | 3 | Under 10 loans | 0.0% |
| Sumter County, FL | 3 | Under 10 loans | 0.0% |
| DeKalb County, GA | 3 | Under 10 loans | 20.0% |
| Dixie County, FL | 2 | Under 10 loans | 75.0% |
| Marion County, FL | 2 | Under 10 loans | 77.8% |
| Suwannee County, FL | 2 | Under 10 loans | 60.0% |
| Union County, FL | 2 | Under 10 loans | 50.0% |
| Fayette County, GA | 2 | Under 10 loans | 50.0% |
| Johnson County, GA | 2 | Under 10 loans | 33.3% |
| Monroe County, GA | 2 | Under 10 loans | 0.0% |
| Putnam County, GA | 2 | Under 10 loans | 0.0% |
| Twiggs County, GA | 2 | Under 10 loans | 0.0% |
| Walton County, GA | 2 | Under 10 loans | 0.0% |
| Buncombe County, NC | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 33.3% |
| Randolph County, AL | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Capital City Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.