We analyzed every closed loan from Florida Capital Bank — 967 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 16 mkts
Awards
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and VA and Jumbo loans
- Nationwide availability with consistent service
Explore another lender or local market
Report Card
Florida Capital Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+21.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 17 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 783 | 81.0% | +0.267%Above | $2,105Fees | ||||
FHA Loans | 79 | 8.2% | +0.175%Above | $1,428Fees | ||||
VA Loans | 41 | 4.2% | -0.352%Below | $1,710Fees | ||||
Jumbo Loans | 64 | 6.6% | -0.113%Below | $831Fees |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume783
Mix81.0%
Spread
+0.267%Above
Fees
$2,105Fees
FHA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume79
Mix8.2%
Spread
+0.175%Above
Fees
$1,428Fees
VA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume41
Mix4.2%
Spread
-0.352%Below
Fees
$1,710Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume64
Mix6.6%
Spread
-0.113%Below
Fees
$831Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 863 | 89.2% | +0.216%Above | $1,995Fees | ||||
Refinance | 104 | 10.8% | +0.195%Above | $1,604Fees |
Purchase
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume863
Mix89.2%
Spread
+0.216%Above
Fees
$1,995Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume104
Mix10.8%
Spread
+0.195%Above
Fees
$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
16
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
36Northeast4
MENJPARI
Midwest9
ILINMIMNMONDOHSDWI
South14
ALDCDEFLGAKYLAMDNCOKSCTNTXVA
West9
AZCACOIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 143Mix 14.79% of portfolio
75/100
Strong
Volume 67Mix 6.93% of portfolio
64/100
Strong
Volume 66Mix 6.83% of portfolio
60/100
Sound
Volume 55Mix 5.69% of portfolio
58/100
Sound
Volume 40Mix 4.14% of portfolio
56/100
Sound
Volume 21Mix 2.17% of portfolio
52/100
Sound
Volume 21Mix 2.17% of portfolio
52/100
Sound
Volume 33Mix 3.41% of portfolio
51/100
Sound
9© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 26Mix 2.69% of portfolio
51/100
Sound
Volume 34Mix 3.52% of portfolio
51/100
SoundShowing 10 of 16 metro areas
Top States by Place Specialization Score
1
TexasState
Volume 318Mix 32.89% of portfolio
71/100
Strong2
FloridaState
Volume 192Mix 19.86% of portfolio
64/100
Strong3
MinnesotaState
Volume 81Mix 8.38% of portfolio
61/100
Strong4
CaliforniaState
Volume 84Mix 8.69% of portfolio
55/100
Sound5
WisconsinState
Volume 32Mix 3.31% of portfolio
51/100
Sound6
IllinoisState
Volume 36Mix 3.72% of portfolio
50/100
Sound7
ArizonaState
Volume 24Mix 2.48% of portfolio
46/100
Sound8
ColoradoState
Volume 21Mix 2.17% of portfolio
45/100
Sound9
New JerseyState
Volume 20Mix 2.07% of portfolio
45/100
Sound10
AlabamaState
Volume 17Mix 1.76% of portfolio
44/100
SoundShowing 10 of 14 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.