# Florida Capital Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/florida-capital-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Florida Capital Bank, National Association is a bank, headquartered in Jacksonville, FL, serving borrowers across 36 states, with 967 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 51% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 38% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ZIXM1VUXPG4D03
- **Headquarters:** Jacksonville, FL
- **Geographic Reach:** Near-National
- **States Served:** 36
- **State List:** AL, AZ, CA, CO, DC, DE, FL, GA, ID, IL, IN, KY, LA, MD, ME, MI, MN, MO, NC, ND, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 17
- **Primary Channel:** mix
- **Direct Origination:** 65.3%
- **Brokered/Wholesale:** 34.7%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.214%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,954
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 967
- **Dollar Volume:** $432 million
- **Applications Received:** 1,247
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $446,324
- **Average Borrower Income:** $204,129
- **Average Property Value:** $608,588

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (71%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Jumbo Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 783 | +0.267% | $2,105 | Strong 😀 |
| FHA | 60/100 | 79 | +0.175% | $1,428 | Sound ☺️ |
| VA | 62/100 | 41 | -0.352% | $1,710 | Strong 😀 |
| Jumbo | 73/100 | 64 | -0.113% | $831 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 697 loans, Score: 64/100 (Strong)
- Refinance: 86 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 72 loans, Score: 60/100 (Sound)

**VA:**
- Purchase: 41 loans, Score: 63/100 (Strong)

**Jumbo:**
- Purchase: 53 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 863 | $383M | +0.216% | Strong 😀 |
| Refinance | 52/100 | 104 | $49M | +0.195% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 318 | 0.09% | 71/100 |
| FL | 192 | 0.07% | 64/100 |
| CA | 84 | 0.03% | 55/100 |
| MN | 81 | 0.13% | 61/100 |
| IL | 36 | 0.03% | 50/100 |
| WI | 32 | 0.05% | 51/100 |
| AZ | 24 | 0.02% | 46/100 |
| CO | 21 | 0.03% | 45/100 |
| NJ | 20 | 0.02% | 45/100 |
| NC | 18 | 0.01% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Austin | TX | 143 | 75/100 |
| Non |  | 118 | 54/100 |
| Jacksonville, FL | FL | 67 | 64/100 |
| Minneapolis | MN-WI | 66 | 60/100 |
| Dallas | TX | 55 | 58/100 |
| Orlando | FL | 40 | 56/100 |
| Houston | TX | 34 | 51/100 |
| Chicago | IL | 33 | 51/100 |
| Fort Worth | TX | 26 | 51/100 |
| Deltona | FL | 21 | 52/100 |
| Eau Claire, WI | WI | 21 | 52/100 |
| Phoenix | AZ | 20 | 45/100 |
| San Antonio | TX | 19 | 46/100 |
| Denver | CO | 16 | 44/100 |
| Charlotte | NC-SC | 14 | 43/100 |

## Where This Lender Ranks

Florida Capital Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Austin for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Eau Claire, WI Banks
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks)
- 🏆 **#7** in Jacksonville, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#9** in Austin Banks
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks)
- 🏆 **#10** in Jacksonville, FL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/va-loans)
- 🏆 **#10** in Eau Claire, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#11** in Jacksonville, FL Banks
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks)
- 🏆 **#11** in Eau Claire, WI
  - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders)
- 🏆 **#13** in Austin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/austin/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Jacksonville, FL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/jacksonville-fl/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Florida Capital Bank, National Association offer?

Florida Capital Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Florida Capital Bank, National Association offer mortgages?

Florida Capital Bank, National Association offers mortgages in 36 states: AL, AZ, CA, CO, DC, DE, FL, GA, ID, IL, IN, KY, LA, MD, ME, MI, MN, MO, NC, ND, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI.

### How competitive are Florida Capital Bank, National Association's mortgage rates?

Florida Capital Bank, National Association has a pricing score of 49/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.214% above market average.

### What type of lender is Florida Capital Bank, National Association?

Florida Capital Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jacksonville, FL.

### What is Florida Capital Bank, National Association's loan approval success rate?

Florida Capital Bank, National Association has a pull-through score of 62/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/florida-capital-bank-national-association

### How to Cite

> "Florida Capital Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/florida-capital-bank-national-association

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