Capstar Bank Mortgage Lending & HMDA Data, 2020

In 2020, Capstar Bank of Nashville, TN reported 4,026 mortgage applications totaling $1.2 billion, up 107% from 2019. The average application was for $289,918, and applicants reported an average income of $133,665. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (3,007), Cleveland, TN (153) and Chattanooga, TN-GA (71) (applications in parentheses).

Mortgage Company & Address Capstar Bank
1201 Demonbreun St #700
Nashville, TN 37203
Tel #: available with data download
Federal Regulator * available with data download
Years 2024  2023  2022  2021  2020  2019  
Total Number of Mortgage Applications 4,026
Total Mortgage Loan Application Amount $1,167,210,000
Average Mortgage Loan Application Amount $289,918
Highest Mortgage Loan Application Amount $12,005,000
Average Applicant Income $133,665
Highest Applicant Income $3,105,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Capstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Capstar Bank by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 1,571 $ 506,175,000 $ 322,199 $ 148,000
Williamson, Tennessee 579 $ 218,095,000 $ 376,675 $ 153,000
McMinn, Tennessee 249 $ 42,705,000 $ 171,506 $ 89,000
Sumner, Tennessee 207 $ 54,845,000 $ 264,951 $ 116,000
Rutherford, Tennessee 197 $ 45,815,000 $ 232,563 $ 105,000
Wilson, Tennessee 167 $ 44,945,000 $ 269,131 $ 120,000
Bradley, Tennessee 141 $ 30,125,000 $ 213,652 $ 117,000
Maury, Tennessee 91 $ 24,385,000 $ 267,967 $ 110,000
Coffee, Tennessee 61 $ 8,125,000 $ 133,196 $ 69,000
Robertson, Tennessee 60 $ 14,430,000 $ 240,500 $ 98,000
Hamilton, Tennessee 57 $ 13,155,000 $ 230,789 $ 156,000
Dickson, Tennessee 47 $ 10,525,000 $ 223,936 $ 80,000
Cheatham, Tennessee 46 $ 11,280,000 $ 245,217 $ 87,000
Monroe, Tennessee 36 $ 5,740,000 $ 159,444 $ 73,000
Cannon, Tennessee 34 $ 4,260,000 $ 125,294 $ 88,000
Montgomery, Tennessee 30 $ 6,020,000 $ 200,666 $ 79,000
Meigs, Tennessee 24 $ 5,570,000 $ 232,083 $ 135,000
Lawrence, Tennessee 21 $ 3,865,000 $ 184,047 $ 71,000
Loudon, Tennessee 19 $ 4,515,000 $ 237,631 $ 140,000
Shelby, Tennessee 19 $ 6,095,000 $ 320,789 $ 155,000
Knox, Tennessee 18 $ 7,700,000 $ 427,777 $ 211,000
Marshall, Tennessee 15 $ 3,425,000 $ 228,333 $ 83,000
Franklin, Tennessee 14 $ 2,800,000 $ 200,000 $ 272,000
Polk, Tennessee 12 $ 1,520,000 $ 126,666 $ 88,000
Sevier, Tennessee 12 $ 2,940,000 $ 245,000 $ 193,000
Bedford, Tennessee 11 $ 1,595,000 $ 145,000 $ 75,000
Walton, Florida 10 $ 5,770,000 $ 577,000 $ 298,000
Putnam, Tennessee 9 $ 1,625,000 $ 180,555 $ 198,000
Warren, Tennessee 8 $ 1,580,000 $ 197,500 $ 104,000
Blount, Tennessee 7 $ 3,325,000 $ 475,000 $ 102,000
DeKalb, Tennessee 7 $ 1,605,000 $ 229,285 $ 141,000
White, Tennessee 6 $ 980,000 $ 163,333 $ 70,000
Jefferson, Alabama 5 $ 1,375,000 $ 275,000 $ 139,000
Madison, Alabama 5 $ 845,000 $ 169,000 $ 275,000
Fulton, Georgia 5 $ 1,115,000 $ 223,000 $ 331,000
Fayette, Kentucky 5 $ 1,285,000 $ 257,000 $ 78,000
Macon, Tennessee 5 $ 725,000 $ 145,000 $ 45,000
Marion, Tennessee 5 $ 1,355,000 $ 271,000 $ 364,000
Overton, Tennessee 5 $ 635,000 $ 127,000 $ 59,000
Rhea, Tennessee 5 $ 1,415,000 $ 283,000 $ 140,000
Baldwin, Alabama 4 $ 1,290,000 $ 322,500 $ 249,000
Leon, Florida 4 $ 600,000 $ 150,000 $ 122,000
Catoosa, Georgia 4 $ 420,000 $ 105,000 $ 72,000
Walker, Georgia 4 $ 580,000 $ 145,000 $ 93,000
Jefferson, Kentucky 4 $ 940,000 $ 235,000 $ 128,000
Roane, Tennessee 4 $ 690,000 $ 172,500 $ 65,000
Franklin, Florida 3 $ 1,145,000 $ 381,666 $ 180,000
Lake, Florida 3 $ 935,000 $ 311,666 $ 104,000
McCracken, Kentucky 3 $ 525,000 $ 175,000 $ 110,000
Warren, Kentucky 3 $ 715,000 $ 238,333 $ 100,000
Mecklenburg, North Carolina 3 $ 635,000 $ 211,666 $ 284,000
Anderson, Tennessee 3 $ 695,000 $ 231,666 $ 181,000
Clay, Tennessee 3 $ 565,000 $ 188,333 $ 80,000
Fentress, Tennessee 3 $ 515,000 $ 171,666 $ 142,000
Giles, Tennessee 3 $ 825,000 $ 275,000 $ 88,000
Hickman, Tennessee 3 $ 675,000 $ 225,000 $ 85,000
Houston, Tennessee 3 $ 445,000 $ 148,333 $ 62,000
Humphreys, Tennessee 3 $ 355,000 $ 118,333 $ 78,000
Madison, Tennessee 3 $ 575,000 $ 191,666 $ 114,000
Stewart, Tennessee 3 $ 525,000 $ 175,000 $ 46,000
Fairfax, Virginia 3 $ 885,000 $ 295,000 $ 259,000
Limestone, Alabama 2 $ 740,000 $ 370,000 $ 135,000
Winston, Alabama 2 $ 860,000 $ 430,000 $ 311,000
Pasco, Florida 2 $ 560,000 $ 280,000 $ 176,000
Volusia, Florida 2 $ 510,000 $ 255,000 $ 96,000
Cobb, Georgia 2 $ 740,000 $ 370,000 $ 166,000
Cook, Illinois 2 $ 600,000 $ 300,000 $ 276,000
Sangamon, Illinois 2 $ 270,000 $ 135,000 $ 74,000
Clark, Indiana 2 $ 360,000 $ 180,000 $ 135,000
Calloway, Kentucky 2 $ 300,000 $ 150,000 $ 174,000
Simpson, Kentucky 2 $ 220,000 $ 110,000 $ 74,000
Trigg, Kentucky 2 $ 760,000 $ 380,000 $ 200,000
Baltimore, Maryland 2 $ 470,000 $ 235,000 $ 145,000
Essex, Massachusetts 2 $ 750,000 $ 375,000 $ 117,000
St. Louis, Missouri 2 $ 440,000 $ 220,000 $ 248,000
Wake, North Carolina 2 $ 750,000 $ 375,000 $ 114,000
Anderson, South Carolina 2 $ 450,000 $ 225,000 $ 147,000
Horry, South Carolina 2 $ 340,000 $ 170,000 $ 92,000
Lewis, Tennessee 2 $ 330,000 $ 165,000 $ 128,000
Smith, Tennessee 2 $ 260,000 $ 130,000 $ 76,000
Wayne, Tennessee 2 $ 500,000 $ 250,000 $ 95,000
Collin, Texas 2 $ 910,000 $ 455,000 $ 246,000
Dallas, Texas 2 $ 1,030,000 $ 515,000 $ 190,000
Denton, Texas 2 $ 640,000 $ 320,000 $ 144,000
Travis, Texas 2 $ 670,000 $ 335,000 $ 193,000
DeKalb, Alabama 1 $ 205,000 $ 205,000 $ 124,000
Maricopa, Arizona 1 $ 425,000 $ 425,000 $ 146,000
Pulaski, Arkansas 1 $ 245,000 $ 245,000 $ 90,000
Arapahoe, Colorado 1 $ 235,000 $ 235,000 $ 0
Denver, Colorado 1 $ 235,000 $ 235,000 $ 483,000
Larimer, Colorado 1 $ 485,000 $ 485,000 $ 135,000
Summit, Colorado 1 $ 265,000 $ 265,000 $ 85,000
Bay, Florida 1 $ 255,000 $ 255,000 $ 0
Brevard, Florida 1 $ 365,000 $ 365,000 $ 77,000
Gulf, Florida 1 $ 495,000 $ 495,000 $ 259,000
Highlands, Florida 1 $ 175,000 $ 175,000 $ 78,000
Hillsborough, Florida 1 $ 205,000 $ 205,000 $ 50,000
Nassau, Florida 1 $ 345,000 $ 345,000 $ 468,000
Osceola, Florida 1 $ 225,000 $ 225,000 $ 182,000
Palm Beach, Florida 1 $ 245,000 $ 245,000 $ 0
Pinellas, Florida 1 $ 12,005,000 $ 12,005,000 $ 0
Polk, Florida 1 $ 95,000 $ 95,000 $ 58,000
Seminole, Florida 1 $ 335,000 $ 335,000 $ 127,000
St. Johns, Florida 1 $ 405,000 $ 405,000 $ 100,000
Clarke, Georgia 1 $ 355,000 $ 355,000 $ 0
Dade, Georgia 1 $ 255,000 $ 255,000 $ 717,000
DeKalb, Georgia 1 $ 405,000 $ 405,000 $ 108,000
Dougherty, Georgia 1 $ 275,000 $ 275,000 $ 135,000
Gwinnett, Georgia 1 $ 225,000 $ 225,000 $ 83,000
Houston, Georgia 1 $ 285,000 $ 285,000 $ 155,000
Jackson, Georgia 1 $ 255,000 $ 255,000 $ 125,000
Monroe, Georgia 1 $ 275,000 $ 275,000 $ 82,000
Murray, Georgia 1 $ 165,000 $ 165,000 $ 53,000
Putnam, Georgia 1 $ 365,000 $ 365,000 $ 315,000
Toombs, Georgia 1 $ 95,000 $ 95,000 $ 65,000
Whitfield, Georgia 1 $ 125,000 $ 125,000 $ 31,000
Floyd, Indiana 1 $ 235,000 $ 235,000 $ 94,000
Allen, Kentucky 1 $ 255,000 $ 255,000 $ 92,000
Boone, Kentucky 1 $ 275,000 $ 275,000 $ 129,000
Bullitt, Kentucky 1 $ 175,000 $ 175,000 $ 63,000
Christian, Kentucky 1 $ 65,000 $ 65,000 $ 22,000
Meade, Kentucky 1 $ 185,000 $ 185,000 $ 97,000
Monroe, Kentucky 1 $ 55,000 $ 55,000 $ 31,000
East Baton Rouge, Louisiana 1 $ 175,000 $ 175,000 $ 252,000
Orleans, Louisiana 1 $ 275,000 $ 275,000 $ 65,000
St. Tammany, Louisiana 1 $ 405,000 $ 405,000 $ 250,000
Howard, Maryland 1 $ 395,000 $ 395,000 $ 153,000
Barnstable, Massachusetts 1 $ 515,000 $ 515,000 $ 250,000
Middlesex, Massachusetts 1 $ 515,000 $ 515,000 $ 177,000
Oakland, Michigan 1 $ 145,000 $ 145,000 $ 80,000
Harrison, Mississippi 1 $ 245,000 $ 245,000 $ 142,000
Madison, Mississippi 1 $ 425,000 $ 425,000 $ 130,000
St. Charles, Missouri 1 $ 385,000 $ 385,000 $ 90,000
Douglas, Nebraska 1 $ 145,000 $ 145,000 $ 101,000
Alamance, North Carolina 1 $ 245,000 $ 245,000 $ 574,000
Avery, North Carolina 1 $ 1,065,000 $ 1,065,000 $ 241,000
Buncombe, North Carolina 1 $ 435,000 $ 435,000 $ 345,000
Chatham, North Carolina 1 $ 415,000 $ 415,000 $ 113,000
Macon, North Carolina 1 $ 325,000 $ 325,000 $ 185,000
Pender, North Carolina 1 $ 265,000 $ 265,000 $ 64,000
Clermont, Ohio 1 $ 285,000 $ 285,000 $ 102,000
Cuyahoga, Ohio 1 $ 435,000 $ 435,000 $ 315,000
Charleston, South Carolina 1 $ 405,000 $ 405,000 $ 80,000
Dorchester, South Carolina 1 $ 375,000 $ 375,000 $ 0
Greenville, South Carolina 1 $ 235,000 $ 235,000 $ 170,000
Richland, South Carolina 1 $ 315,000 $ 315,000 $ 127,000
York, South Carolina 1 $ 255,000 $ 255,000 $ 67,000
Benton, Tennessee 1 $ 295,000 $ 295,000 $ 475,000
Bledsoe, Tennessee 1 $ 175,000 $ 175,000 $ 146,000
Cumberland, Tennessee 1 $ 305,000 $ 305,000 $ 47,000
Moore, Tennessee 1 $ 125,000 $ 125,000 $ 102,000
Perry, Tennessee 1 $ 105,000 $ 105,000 $ 50,000
Scott, Tennessee 1 $ 215,000 $ 215,000 $ 53,000
Sullivan, Tennessee 1 $ 85,000 $ 85,000 $ 108,000
Trousdale, Tennessee 1 $ 145,000 $ 145,000 $ 35,000
Van Buren, Tennessee 1 $ 85,000 $ 85,000 $ 259,000
Washington, Tennessee 1 $ 75,000 $ 75,000 $ 156,000
Fort Bend, Texas 1 $ 505,000 $ 505,000 $ 422,000
McLennan, Texas 1 $ 295,000 $ 295,000 $ 173,000
Midland, Texas 1 $ 365,000 $ 365,000 $ 60,000
Montgomery, Texas 1 $ 315,000 $ 315,000 $ 177,000
Williamson, Texas 1 $ 145,000 $ 145,000 $ 101,000
Augusta, Virginia 1 $ 225,000 $ 225,000 $ 63,000
Botetourt, Virginia 1 $ 95,000 $ 95,000 $ 37,000
Henrico, Virginia 1 $ 385,000 $ 385,000 $ 177,000
Roanoke, Virginia 1 $ 85,000 $ 85,000 $ 37,000
Washington, Virginia 1 $ 385,000 $ 385,000 $ 358,000
Waynesboro, Virginia 1 $ 115,000 $ 115,000 $ 63,000
Dane, Wisconsin 1 $ 155,000 $ 155,000 $ 108,000

Mortgage Loan Application Detail Totals for Capstar Bank in 2020

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 1,806 $515,340,000 $285,000 $1,405,000 $141,000 $3,105,000
Home Purchase 1,443 $464,445,000 $321,000 $12,005,000 $133,000 $1,352,000
Cash-out Refinancing 723 $178,365,000 $246,000 $1,825,000 $116,000 $1,256,000
Other Purpose 45 $8,525,000 $189,000 $515,000 $161,000 $453,000
Home Improvement 9 $535,000 $59,000 $155,000 $51,000 $127,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 3,678 $1,051,960,000 $286,000 $1,805,000 $135,000 $3,105,000
Black or African American 107 $27,105,000 $253,000 $515,000 $102,000 $491,000
Not Provided 85 $24,935,000 $293,000 $565,000 $138,000 $506,000
Asian 71 $22,385,000 $315,000 $555,000 $134,000 $497,000
Hispanic 57 $16,235,000 $284,000 $515,000 $91,000 $640,000
Not applicable 26 $23,850,000 $917,000 $12,005,000 $0 $0
American Indian or Alaskan Native 2 $740,000 $370,000 $435,000 $76,000 $92,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,740 $1,090,520,000 $291,000 $12,005,000 $137,000 $3,105,000
FHA-insured (Federal Housing Administration) 148 $37,080,000 $250,000 $555,000 $78,000 $315,000
VA-guaranteed (Veterans Administration) 120 $36,870,000 $307,000 $745,000 $85,000 $192,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 18 $2,740,000 $152,000 $305,000 $54,000 $84,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 3,311 $959,935,000 $289,000 $12,005,000 $134,000 $3,105,000
Application Withdrawn By Applicant 451 $140,935,000 $312,000 $1,355,000 $153,000 $1,080,000
Application Denied By Financial Institution 252 $63,090,000 $250,000 $1,355,000 $92,000 $673,000
Application Approved But Not Accepted 12 $3,250,000 $270,000 $495,000 $105,000 $389,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 4,026 $1,167,210,000 $289,000 $12,005,000 $134,000 $3,105,000
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capstar Bank's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Capstar Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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