First Capital Bank
First Capital Bank received 83 applications in 2025 and made 74 mortgages, in 24 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $685,000. Of 79 decisions, 4 were denials — 5.1%.
| Legal Entity Identifier | 254900LDLCTUL5TXVH85 |
|---|---|
| Applications received | 83 |
| Mortgages made | 74 |
| Denied | 4 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 20 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Capital Bank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 46 | Not published | $595,000 | 4.1% |
| Refinancing | 27 | Not published | $905,000 | 6.9% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where First Capital Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Charleston County, SC | 37 | Not published | 9.5% |
| Dorchester County, SC | 10 | Not published | 0.0% |
| Berkeley County, SC | 7 | Under 10 loans | 0.0% |
| Moore County, NC | 3 | Under 10 loans | 0.0% |
| Cumberland County, NC | 2 | Under 10 loans | 0.0% |
| Richland County, SC | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Kings County, NY | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Hoke County, NC | 1 | Under 10 loans | 0.0% |
| Scotland County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Colleton County, SC | 1 | Under 10 loans | 0.0% |
| Florence County, SC | 1 | Under 10 loans | 0.0% |
| Horry County, SC | 1 | Under 10 loans | 0.0% |
| Lexington County, SC | 1 | Under 10 loans | 0.0% |
| Sumter County, SC | 1 | Under 10 loans | 0.0% |
| Williamson County, TN | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Avery County, NC | 0 | Under 10 loans | Not published |
| Oconee County, SC | 0 | Under 10 loans | Not published |
| Westmoreland County, VA | 0 | Under 10 loans | Not published |
| Virginia Beach city, VA | 0 | Under 10 loans | Not published |
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When First Capital Bank’s figures are published for the next year, or restated.
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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.