Purchase Originations
673
Ranked #515 nationally
Median Total Costs
$6,865
+2.8% vs national ($6,680)
↓ $493 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$2,070
Median Lender Credits
$690
Cost Rank (500+ vol.)
#357
among lenders with 500+ originations
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 552 | 6.490% | $6,402 | $2,189 |
| fha | 70 | 6.188% | $11,374 | $1,190 |
| va | 51 | 6.125% | $7,174 | $1,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 267 | 6.375% | $7,690 | #167 |
| Minnesota | 112 | 6.490% | $4,939 | #89 |
| Florida | 72 | 6.495% | $6,156 | #269 |
| California | 60 | 6.312% | $6,685 | #247 |
| North Dakota | 25 | 6.250% | $5,047 | — |
| Pennsylvania | 17 | 6.990% | $9,796 | — |
| Illinois | 16 | 6.438% | $6,529 | — |
| Ohio | 15 | 6.625% | $7,443 | — |
| Alabama | 13 | 6.375% | $6,001 | — |
| Kentucky | 12 | 6.375% | $9,074 | — |
| Colorado | 8 | 6.490% | $7,750 | — |
| North Carolina | 8 | 6.500% | $5,451 | — |
| Arizona | 7 | 6.500% | $7,037 | — |
| Washington | 7 | 6.500% | $8,350 | — |
| Wisconsin | 7 | 6.875% | $6,480 | — |
| Oregon | 5 | 6.000% | $10,762 | — |
| Maryland | 4 | 6.490% | $9,756 | — |
| Oklahoma | 4 | 6.062% | $4,770 | — |
| Georgia | 2 | 6.562% | $8,647 | — |
| Utah | 2 | 6.183% | $7,310 | — |
| Virginia | 2 | 6.308% | $6,604 | — |
| Arkansas | 1 | 6.990% | $11,063 | — |
| Connecticut | 1 | 6.875% | $3,825 | — |
| Idaho | 1 | 6.000% | $4,085 | — |
| Indiana | 1 | 5.875% | $7,865 | — |
| Louisiana | 1 | 5.990% | $9,306 | — |
| New Jersey | 1 | 5.750% | $10,303 | — |
| South Carolina | 1 | 6.125% | $3,920 | — |
| Tennessee | 1 | 6.125% | $10,076 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,269 | 6.625% | — | 11 | −$2,596 | |
| 2 | $4,281 | 6.490% | — | 33 | −$2,584 | |
| 3 | $4,435 | 6.375% | — | 8 | −$2,430 | |
| 4 | $4,515 | 6.490% | — | 7 | −$2,350 | |
| 5 | $4,942 | 6.490% | — | 7 | −$1,923 | |
| 6 | $5,046 | 6.250% | — | 21 | −$1,819 | |
| 7 | $5,226 | 6.308% | — | 8 | −$1,639 | |
| 8 | $5,770 | 6.125% | — | 43 | −$1,095 | |
| 9 | $5,941 | 6.375% | — | 20 | −$924 | |
| 10 | $6,290 | 6.375% | — | 8 | −$575 | |
| 11 | $6,708 | 6.625% | — | 6 | −$157 | |
| 12 | $6,734 | 6.312% | — | 46 | −$131 | |
| 13 | $7,045 | 6.375% | — | 11 | +$180 | |
| 14 | $7,174 | 6.375% | — | 23 | +$309 | |
| 15 | $7,495 | 6.490% | — | 55 | +$630 | |
| 16 | $7,624 | 6.375% | — | 7 | +$759 | |
| 17 | $8,084 | 6.188% | — | 20 | +$1,219 | |
| 18 | $8,458 | 6.250% | — | 20 | +$1,593 | |
| 19 | $8,524 | 6.438% | — | 14 | +$1,659 | |
| 20 | $8,749 | 6.250% | — | 10 | +$1,884 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Florida Capital Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $6,865 | $7,127 | −$262 (−3.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.