Residential lending Nationwide.

Buying, refinancing, or building a house can be the biggest financial decision of your life. FLCBank offers personal service, a nimble process, and the best possible rate for your situation.

As a federally chartered, FDIC-insured bank, we offer a full line of financial products and services on a nationwide basis, including residential lending.

Even though our brick-and-mortar branches are only located in Florida, we are licensed to originate home loans across the country, utilizing an online mortgage lending platform, and a network of satellite retail lending branches.

You can be assured you will receive the same one-on-one attention from a skilled mortgage specialist, and the same nimble mortgage process, regardless of your geographical location.

Express Capital - Powered by FLCBank

By establishing a network of satellite retail mortgage lending branches, we're able to offer clients the regional expertise of mortgage specialists combined with the operational and financial security of a national bank.

In the Southern California area, our satellite branch operates under the brand name of “Express Capital”. As part of the FLCBank family, Express Capital is committed to the same core values for client satisfaction and finding the loan option that bests fits your situation.

Express Capital prides itself on going the extra mile, educating clients, and keeping them informed through the loan process with complete transparency every step of the way.

The Express Capital Team is committed to…

  • Providing every client the best possible loan to fit their individual needs
  • Offering some of the most competitive rates in the nation
  • Closing loans quickly and efficient – most in 30 days or less