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 score and performance metrics.

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.

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

Florida Capital Bank, National Association is a Bank headquartered in Jacksonville, FL.

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Florida Capital Bank, National Association

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

Florida Capital Bank, National Association has an overall pricing score of 48.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

Bank|Jacksonville, FL|Near-National

Loans Originated

967

Applications

1,247

Volume

$431 million

Offers loans directly to consumersSources loans from independent brokers

Overall Pricing

Sound

Overall Pull Through

Strong

Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Jumbo Superstar

Pricing and Pullthrough Overview

Average Rate Spread

+0.214%

The average of the lender's APR minus the market's average APR (APOR)

Average Net Fees

$1,954

Borrower paid Origination Charges - Lender Credits

Pullthrough Rate

77.5%

Percentage of applications that result in closed loans

Safe Rate's Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and VA and Jumbo loans
Nationwide availability with consistent service

Report Card

Florida Capital Bank, National Association performance at a glance

Category	Grade	Details
Pricing Rate competitiveness	Sound	Industry Standard
Pull Through Closing Strength	Strong	Highly Competitive
Products Loan Type Specialists		Specialization score by loan product
Conventional	Strong	Highly Competitive
FHA	Sound	Industry Standard
VA	Strong	Highly Competitive
Jumbo	Strong	Highly Competitive
Purpose Reason specialization		Specialization score by loan purpose
Purchase	Strong	Highly Competitive
Refinance	Sound	Industry Standard
Places Geographic coverage	Sound	Near-National · 17 metro areas · 36 states

Rating Scale:

Exceptional (80-100)

Strong (60-79)

Sound (40-59)

Acceptable (20-39)

Mediocre (0-19)

Typical Borrower Profile

Average Loan Amount

$446,324

Average Borrower Income

$204,129

Average Property Value

$608,588

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Sound	783	81.0%	+0.267%	$2,105
FHA Loans	Strong	Sound	Exceptional	Strong	79	8.2%	+0.175%	$1,428
VA Loans	Strong	Strong	Sound	Strong	41	4.2%	-0.352%	$1,710
Jumbo Loans	Strong	Strong	Sound	Strong	64	6.6%	-0.113%	$831

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Sound	863	89.2%	+0.216%	$1,995
Refinance	Sound	Sound	Sound	Sound	104	10.8%	+0.195%	$1,604

Geographic Coverage

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALAZCACODCDEFLGAIDILINKYLAMDMEMIMNMONCNDNJNMNVOHOKORPARISCSDTNTXUTVAWAWI

Top Metro Areas by Place Specialization Score

Austin, TXMSA

Volume: 143Mix: 14.79%

Place Specialization

Strong

Jacksonville, FL, FLMSA

Volume: 67Mix: 6.93%

Place Specialization

Strong

Minneapolis, MN-WIMSA

Volume: 66Mix: 6.83%

Place Specialization

Sound

Dallas, TXMSA

Volume: 55Mix: 5.69%

Place Specialization

Sound

Orlando, FLMSA

Volume: 40Mix: 4.14%

Place Specialization

Sound

Eau Claire, WI, WIMSA

Volume: 21Mix: 2.17%

Place Specialization

Sound

Deltona, FLMSA

Volume: 21Mix: 2.17%

Place Specialization

Sound

Chicago, ILMSA

Volume: 33Mix: 3.41%

Place Specialization

Sound

Fort Worth, TXMSA

Volume: 26Mix: 2.69%

Place Specialization

Sound

Houston, TXMSA

Volume: 34Mix: 3.52%

Place Specialization

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

TXState

Volume: 318Mix: 32.89%

Place Specialization

Strong

FLState

Volume: 192Mix: 19.86%

Place Specialization

Strong

MNState

Volume: 81Mix: 8.38%

Place Specialization

Strong

CAState

Volume: 84Mix: 8.69%

Place Specialization

Sound

WIState

Volume: 32Mix: 3.31%

Place Specialization

Sound

ILState

Volume: 36Mix: 3.72%

Place Specialization

Sound

AZState

Volume: 24Mix: 2.48%

Place Specialization

Sound

COState

Volume: 21Mix: 2.17%

Place Specialization

Sound

NJState

Volume: 20Mix: 2.07%

Place Specialization

Sound

ALState

Volume: 17Mix: 1.76%

Place Specialization

Sound

Showing 10 of 14 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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