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.

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.

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

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

Unclaimed

Florida Capital Bank, National Association

Bank•Jacksonville, FL•Direct to Consumer

We analyzed every closed loan from Florida Capital Bank National Association — 967 loans across 1k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Sound

vs. all lenders

Pull Through

Strong

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 16 mkts

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

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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

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Report Card

Florida Capital Bank, National Association performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Sound	Industry Standard +21.4 bps above market avg
Pull Through Closing strength	Strong	Highly Competitive Top 40% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
FHA	Sound	Industry Standard Top 60% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Sound	Industry Standard Top 60% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National17 markets

Loan Product Performance

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%Above	$2,105Fees
FHA Loans	Strong	Sound	Exceptional	Strong	79	8.2%	+0.175%Above	$1,428Fees
VA Loans	Strong	Strong	Sound	Strong	41	4.2%	-0.352%Below	$1,710Fees
Jumbo Loans	Strong	Strong	Sound	Strong	64	6.6%	-0.113%Below	$831Fees

Loan Purpose Performance

Performance by Loan Purpose

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

At a Glance

Lender Overview

Lending Activity

Loans Originated

967

Applications

1,247

Volume

$431 million

Pricing & Closing

Avg Rate Spread

+0.214%

vs. market APOR

Avg Net Fees

$1,954

Origination − Credits

Pullthrough Rate

77.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$446,324

Avg Borrower Income

$204,129

Avg Property Value

$608,588

Geographic Coverage

Geographic Performance

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%of portfolio

Place

Strong

Jacksonville, FL, FLMSA

Volume: 67Mix: 6.93%of portfolio

Place

Strong

Minneapolis, MN-WIMSA

Volume: 66Mix: 6.83%of portfolio

Place

Sound

Dallas, TXMSA

Volume: 55Mix: 5.69%of portfolio

Place

Sound

Orlando, FLMSA

Volume: 40Mix: 4.14%of portfolio

Place

Sound

Eau Claire, WI, WIMSA

Volume: 21Mix: 2.17%of portfolio

Place

Sound

Deltona, FLMSA

Volume: 21Mix: 2.17%of portfolio

Place

Sound

Chicago, ILMSA

Volume: 33Mix: 3.41%of portfolio

Place

Sound

Fort Worth, TXMSA

Volume: 26Mix: 2.69%of portfolio

Place

Sound

Houston, TXMSA

Volume: 34Mix: 3.52%of portfolio

Place

Sound

Showing 10 of 16 metro areas

Top States by Place Specialization Score

TXState

Volume: 318Mix: 32.89%of portfolio

Place

Strong

FLState

Volume: 192Mix: 19.86%of portfolio

Place

Strong

MNState

Volume: 81Mix: 8.38%of portfolio

Place

Strong

CAState

Volume: 84Mix: 8.69%of portfolio

Place

Sound

WIState

Volume: 32Mix: 3.31%of portfolio

Place

Sound

ILState

Volume: 36Mix: 3.72%of portfolio

Place

Sound

AZState

Volume: 24Mix: 2.48%of portfolio

Place

Sound

COState

Volume: 21Mix: 2.17%of portfolio

Place

Sound

NJState

Volume: 20Mix: 2.07%of portfolio

Place

Sound

ALState

Volume: 17Mix: 1.76%of portfolio

Place

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.