Applications / Mortgage Analytics / Lenders / Florida / Capital City Bank
Tallahassee, FL · State member bank · FRS · $4.4 billion assets · 462 loans in 2025
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462
loans originated, 2025
765
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital City Bank is mainly a home-improvement lender: more than half its 462 loans in 2025 paid for work on homes people already owned.
Home improvement made up 53.2% of its loans; purchases were only 8.0%. Its typical loan, $105,000, was smaller than at almost all similar lenders (state member banks making between half and twice as many loans), where it was $195,000. Manufactured homes were 9.5% of its loans, against 1.4%.
Its share rose from 0.6% to 0.8% in Tallahassee, FL, where it has lent since at least 1990 and ranks 31 of 372 lenders. In Gainesville, FL it rose from 0.5% to 0.7%. Its total loan count fell 1%, while similar lenders grew 7% and the whole market 10%.
It bought 145 loans in 2025; the typical similar lender bought none. That was down from 288 in 2024.
Low- and moderate-income (LMI) neighborhoods took 21.4% of its loans, more than at about three-quarters of similar lenders, where 17.1% is typical. LMI borrowers took 21.7%, lower than at about three-quarters of them. Its mix is one possible reason: home-improvement and other-purpose loans go to people who already own homes, not to first-time buyers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capital City Bank took 765 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 53.2% · Other 25.1% · Refinance 13.6% · Purchase 8.0%
Conventional 100.0% · of 462 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 |
|---|---|---|
| Florida | 327 | 70.8% |
| Georgia | 119 | 25.8% |
| Alabama | 14 | 3.0% |
| North Carolina | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tallahassee | 92 |
| Gainesville | 79 |
| Atlanta-Sandy Springs-Roswell | 42 |
| Jacksonville | 39 |
| Macon-Bibb County | 27 |
| Tampa | 24 |
| Homosassa Springs | 23 |
| Marietta | 16 |
| Warner Robins | 6 |
| Crestview-Fort Walton Beach-Destin | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004EXIAAMK5CLH54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 876634 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2876634 | 1994–2017 |
Established 13 June 1907. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Capital City Bank's data.
Capital City Bank's data
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Capital City 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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