Applications / Mortgage Analytics / Lenders / Florida / Florida Capital Bank
Jacksonville, FL · National bank · OCC · $652 million assets · 891 loans in 2025
Florida Capital Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
891
loans originated, 2025
1,168
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Florida Capital Bank is a Jacksonville bank whose lending, in 31 states, is centred on Texas rather than Florida, and almost all for home purchase: 79.5% of its loans.
Home purchases made up 79.5% of its loans and refinances the rest. FHA loans (insured by the Federal Housing Administration) were 9.2%, against 2.0% at similar lenders (national banks making between half and twice as many loans), and VA loans (guaranteed by the Department of Veterans Affairs) 5.9%, against 0.6%.
Its typical loan was $345,000, against $205,000 at peers, larger than more than four in five of them. It also bought 924 loans, more than the 891 it made, where the typical peer bought none.
Originations fell 10%, while similar lenders and the whole market each grew 10%; only about one in seven peers grew less. It made 4,505 loans in 2020. Its bought loans rose from 775 to 924, so it may have leaned more on buying loans than making them.
Majority-minority areas took 17.7% of its loans, against 7.7% at peers. LMI (low- and moderate-income) borrowers took 20.9%, against 27.1% at peers, though up from 11.4% in 2024. Its larger home-purchase loans and the Texas and other metros it serves are possible reasons for the lower LMI share. Its purchase denial rate, 5.6%, was close to peers' 5.9%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Florida Capital Bank took 1,168 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.5% · Refinance 20.5%
Conventional 84.8% · FHA 9.2% · VA 5.9% · of 891 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 329 | 36.9% |
| Minnesota | 145 | 16.3% |
| Florida | 102 | 11.4% |
| California | 88 | 9.9% |
| North Dakota | 30 | 3.4% |
| Pennsylvania | 28 | 3.1% |
| Illinois | 27 | 3.0% |
| Kentucky | 17 | 1.9% |
| Ohio | 17 | 1.9% |
| Alabama | 13 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 135 |
| Minneapolis-St. Paul-Bloomington | 127 |
| Dallas-Plano-Irving | 70 |
| Houston-Pasadena-The Woodlands | 42 |
| Jacksonville | 30 |
| Fort Worth-Arlington-Grapevine | 29 |
| Grand Forks | 27 |
| Chicago-Naperville-Schaumburg | 23 |
| Orlando-Kissimmee-Sanford | 21 |
| Montgomery County-Bucks County-Chester County | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZIXM1VUXPG4D03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 188430 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 120214 | 1990–2017 |
Established 12 August 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Florida Capital Bank's data.
Florida Capital Bank's data
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Florida Capital Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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