Bulletins
B-014 Appraisal Orders Reminders and FLCBank Acceptance of Appraisal Orders under URAR – Uniform Appraisal Dataset 3.6
NOTICE TO MORTGAGE BROKERS: IMPORTANT: Fannie Mae and Freddie Mac Uniform Appraisal Dataset (UAD) 3.6 As announced via Bulletins #2026-B-011 on June 23, 2026, and #2026-B-013 on July 28,2026, FLCBank is currently accepting only loans with appraisal reports in the legacy UAD 2.6 format. Do not order ...
NDC-006 New URAR Appraisal Form and UAD 3.6 Eligibility
NOTICE TO NON-DELEGATED CORRESPONDENTS: UAD 3.6 Appraisal Transition for Non-Delegated Correspondent Customers FLCBank would like to notify its Non-Delegated Correspondent customers of the upcoming transition to the new Uniform Appraisal Dataset (UAD) requirements for Fannie Mae and Freddie Mac loans. For loan submissions received on or after September ...
C-003 New URAR Appraisal Form and UAD 3.6 Delivery Eligibility
NOTICE TO CORRESPONDENT CUSTOMERS New URAR Appraisal Form and UAD 3.6 – Delivery Eligibility FLCBank would like to notify Correspondent Customers that for Fannie Mae and Freddie Mac loans delivered on or after August 15, 2026, FLCBank will accept both the new UAD 3.6 appraisals and UAD 2.6 appraisals ...
B-013 Appraisal Orders Reminders – New URAR – Uniform Appraisal Dataset 3.6
Reminder: Fannie Mae and Freddie Mac Uniform Appraisal Dataset (UAD) 3.6 As announced via Bulletin #2026-B-011 on June 23, 2026, FLCBank is currently accepting only loans with appraisal reports in the legacy UAD 2.6 format. As part of our preparation for the implementation of UAD 3.6, FLCBank is actively ...
AC-018 Preferred Jumbo Credit Requirement Updates
NOTICE TO ALL CUSTOMERS Important Preferred Jumbo Credit Requirement Updates Great news! FLCBank’s Preferred Jumbo Product has been updated with more flexible credit standards, including lower minimum credit score requirements, higher loan-to-value (LTV) limits, and reduced liquid asset reserve requirements. Best of all, these enhancements are effective immediately, ...
B-012 Fee Entry IFW Screen
NOTICE TO MORTGAGE BROKERS: Fee Entry Service Screen Updates: New Fields FLCBank continues to enhance the Fee Entry Service screen to better support your disclosure needs. To accommodate disclosure of the Condo Project Review Fee, as announced in Bulletin B-001, a new drop-down field has been added. CLICK HERE ...
AC-017 Reminders Regarding Project Standards and Property Insurance
NOTICE TO ALL CUSTOMERS Important Reminders Regarding Project Standards and Property Insurance Requirement FLCBank reminds customers of the upcoming updates to the Condominium Project Review Requirements and the effective date for these changes. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...
C-002 Avoiding QC Kickbacks and Corrections
NOTICE TO CORRESPONDENT CUSTOMERS Save Time on Quality Control Kickbacks and Corrections The majority of defects identified in our Quality Control Pre- and Post-Purchase loan reviews are minor updates needed on the Underwriting Transmittal Form (1008). To help reduce Quality Control kickbacks and corrections, please ensure all fields and ...
AC-016 – Preferred Jumbo Updates
NOTICE TO ALL CUSTOMERS Important Preferred Jumbo Updates FLCBank is pleased to announce the enhancements to our Preferred Jumbo product designed to provide your borrowers with greater flexibility and expanded underwriting requirements. CLICK HERE TO DOWNLOAD THE COMPLETE BULLETIN ...
NDC-005 Condominium Review Fees
NOTICE TO NON-DELEGATED CORRESPONDENTS: Important Notice: Condominium Review Fees Disclosed for Non-Delegated Customers Effective July 1, 2026 Historically, FLCBank has absorbed the cost of reviewing a condominium project’s eligibility for agency financing. Beginning July 1, 2026, to support the review of condominium project eligibility for agency financing on ...
B-011- Condominium Review Fees
NOTICE TO MORTGAGE BROKERS: Important Notice: Condominium Review Fees to be Disclosed on Loan Estimates and Closing Disclosures Effective July 1, 2026 Historically, FLCBank has absorbed the cost of reviewing a condominium project’s eligibility for agency financing. Beginning July 1, 2026, this fee will be disclosed as a transaction-related ...
NDC-004 UAD 3.6 Readiness
NOTICE TO NON-DELEGATED CORRESPONDENTS: Are you Ready for UAD 3.6? FLCBank is providing Non-Delegated Correspondent (NDC) Customers with important information and resources regarding mandatory transition to to Uniform Appraisal Dataset (UAD) 3.6. Both Fannie Mae and FreddieMac require that all new appraisal reports submitted to the Uniform Collateral Data ...
B-010 Reminder – Uniform Appraisal Dataset 3.6
NOTICE TO MORTGAGE BROKERS: Reminder: Fannie Mae and Freddie Mac Uniform Appraisal Dataset (UAD) 3.6 As a reminder, FLCBank is currently accepting only loans with appraisal reports in the UAD 2.6 format. FLCBank will notify customers at a future date when we officially begin accepting loans with ...
B-009 FLCBank 2026 Compensation Policy and Changes to Compensation
NOTICE TO: BROKERS FLCBank 2026 Compensation Policy and Changes to Compensation FLCBank allows adjustments to compensation once a quarter; four total adjustments per calendar year. The Lender Paid Compensation Selection Agreement (rev June 2026) allows different compensations by transaction type (purchase, refinance) and by state. CLICK HERE TO DOWNLOAD ...
NDC-003 June 2026 Annual Review
NOTICE TO NON-DELEGATED and DELEGATED Correspondents: Florida Capital Bank, N.A. (FLCBank) 2026 Annual Review Process – Action Required: FLCBank performs annual reviews on all active approved customers in all channels. In 2026 there are additional requirements to conform with new GSE and Agency annual reviews standards. CLICK HERE TO ...
