Florida Capital Bank, National Association
Florida Capital Bank, National Association received 1,168 applications in 2025 and made 891 mortgages, in 334 counties across 39 states. The median rate its borrowers got was 6.490% on a median loan of $345,000. Of 1,089 decisions, 83 were denials — 7.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZIXM1VUXPG4D03 |
|---|---|
| Applications received | 1,168 |
| Mortgages made | 891 |
| Denied | 83 |
| Approved, not taken up | 115 |
| Withdrawn or incomplete | 79 |
| Loans bought from other lenders | 924 |
| Median rate spread over the prime offer rate | 0.126 points |
| FDIC-insured bank | Yes: Florida Capital Bank, National Association, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 708 | 6.490% | $345,000 | 6.0% |
| Refinancing | 126 | 6.250% | $420,000 | 11.1% |
| Cash-out refinancing | 57 | 6.625% | $285,000 | 16.7% |
Where Florida Capital Bank, National Association 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 |
|---|---|---|---|
| Travis County, TX | 68 | 6.490% | 3.5% |
| Humboldt County, CA | 52 | 6.490% | 1.8% |
| Williamson County, TX | 52 | 6.375% | 5.3% |
| Hennepin County, MN | 38 | 6.375% | 2.4% |
| Wright County, MN | 38 | 6.433% | 0.0% |
| Dallas County, TX | 31 | 6.250% | 5.6% |
| Tarrant County, TX | 25 | 6.250% | 0.0% |
| Grand Forks County, ND | 24 | 6.188% | 4.0% |
| Harris County, TX | 22 | 6.250% | 10.7% |
| Collin County, TX | 19 | 6.125% | 17.4% |
| Denton County, TX | 18 | 6.125% | 9.1% |
| Duval County, FL | 14 | 6.500% | 15.8% |
| Volusia County, FL | 12 | 6.625% | 0.0% |
| Cook County, IL | 12 | 6.375% | 10.5% |
| Chester County, PA | 12 | 6.875% | 0.0% |
| Hays County, TX | 12 | 6.375% | 0.0% |
| Madison County, AL | 8 | Under 10 loans | 0.0% |
| St. Johns County, FL | 8 | Under 10 loans | 11.1% |
| Anoka County, MN | 8 | Under 10 loans | 0.0% |
| Dakota County, MN | 8 | Under 10 loans | 18.2% |
| Ramsey County, MN | 8 | Under 10 loans | 0.0% |
| Sherburne County, MN | 8 | Under 10 loans | 11.1% |
| Montgomery County, TX | 8 | Under 10 loans | 0.0% |
| Broward County, FL | 7 | Under 10 loans | 33.3% |
| Seminole County, FL | 7 | Under 10 loans | 0.0% |
| Jefferson County, KY | 7 | Under 10 loans | 10.0% |
| Maricopa County, AZ | 6 | Under 10 loans | 0.0% |
| Alameda County, CA | 6 | Under 10 loans | 0.0% |
| Lee County, FL | 6 | Under 10 loans | 14.3% |
| Orange County, FL | 6 | Under 10 loans | 0.0% |
| DuPage County, IL | 6 | Under 10 loans | 22.2% |
| Yellow Medicine County, MN | 6 | Under 10 loans | 0.0% |
| Berks County, PA | 6 | Under 10 loans | 0.0% |
| Burnet County, TX | 6 | Under 10 loans | 14.3% |
| Eau Claire County, WI | 6 | Under 10 loans | 0.0% |
| Clay County, FL | 5 | Under 10 loans | 0.0% |
| Lake County, FL | 5 | Under 10 loans | 12.5% |
| Carver County, MN | 5 | Under 10 loans | 0.0% |
| Bexar County, TX | 5 | Under 10 loans | 16.7% |
| Comal County, TX | 5 | Under 10 loans | 16.7% |
| Fort Bend County, TX | 5 | Under 10 loans | 0.0% |
| Orange County, CA | 4 | Under 10 loans | 33.3% |
| Palm Beach County, FL | 4 | Under 10 loans | 0.0% |
| Polk County, FL | 4 | Under 10 loans | 0.0% |
| Scott County, MN | 4 | Under 10 loans | 0.0% |
| Washington County, MN | 4 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 4 | Under 10 loans | 0.0% |
| Cass County, ND | 4 | Under 10 loans | 0.0% |
| Geauga County, OH | 4 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 4 | Under 10 loans | 0.0% |
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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.