Lender in Texas · HMDA 2025
Florida Capital Bank, N.A. mortgages in Texas
Florida Capital Bank, N.A.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Florida Capital Bank, N.A. originated 322 owner-occupied single-family loans in Texas from 383 completed applications.
Its median conventional purchase loan costs were $7,240 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.49% (Texas: 6.50%).
Loans in TX
322
of 383 applications
Denial rate
5.6%
Purchase · TX 10.2%
Rate spread
+0.06 pts
Conv. · TX +0.09 pts
Loan amount
$375,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 303 | 267 | 5.6% | 6.490% | +0.06 pts | $7,240 | $375,000 |
| Refinance | 53 | 37 | 11.3% | 6.125% | −0.05 pts | $5,120 | $475,000 |
| Cash-out refinance | 27 | 18 | 7.4% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology