Sanibel Captiva Community Bank
Sanibel Captiva Community Bank received 133 applications in 2025 and made 83 mortgages, in 8 counties across 1 state. The median rate its borrowers got was 8.500% on a median loan of $505,000. Of 92 decisions, 4 were denials — 4.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RMUJVUQYCW8836 |
|---|---|
| Applications received | 133 |
| Mortgages made | 83 |
| Denied | 4 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 41 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.5225 points |
| FDIC-insured bank | Yes: Sanibel Captiva Community Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 69 | 8.500% | $515,000 | 2.7% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Other purposes | 10 | 8.500% | $240,000 | 0.0% |
Where Sanibel Captiva Community Bank lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lee County, FL | 70 | 8.500% | 3.9% |
| Collier County, FL | 8 | Under 10 loans | 11.1% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Glades County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| Sarasota County, FL | 0 | Under 10 loans | Not published |
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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.