Lender profile · HMDA 2023–2025
Florida Capital Bank, National Association mortgage approval rates & lending data
Florida Capital Bank, National Association decided 2,756 mortgage applications and funded 2,278 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 2,003 / 2,144 | 91% | $365K | 1,825 |
| Cash-out refinance | 85% | 132 / 156 | 86% | $305K | 113 |
| Refinance | 87% | 214 / 247 | 83% | $545K | 177 |
| Investment property purchase | 89% | 155 / 175 | 90% | $315K | 140 |
Florida Capital Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 94% | $375K | 964 | 822 |
| Florida | 89% | $335K | 540 | 428 |
| California | 90% | $365K | 315 | 251 |
| Minnesota | 97% | $385K | 227 | 200 |
| Illinois | 91% | $465K | 107 | 86 |
| Pennsylvania | 94% | $335K | 87 | 77 |
| Arizona | 91% | $425K | 56 | 45 |
| New Jersey | 88% | $575K | 52 | 38 |
| Alabama | 98% | $285K | 46 | 35 |
| Ohio | 93% | $185K | 46 | 38 |
| Colorado | 90% | $395K | 42 | 33 |
| North Carolina | 91% | $415K | 34 | 29 |
| Wisconsin | 94% | $225K | 33 | 30 |
| Oregon | 80% | $285K | 30 | 23 |
| Georgia | 92% | $435K | 24 | 19 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.