Capstar Bank Mortgage Lending & HMDA Data, 2021

In 2021, Capstar Bank of Nashville, TN reported 3,602 mortgage applications totaling $1.2 billion, down 11% from 2020. The average application was for $322,837, and applicants reported an average income of $133,595. 85% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (2,563), Cleveland, TN (67) and Knoxville, TN (57) (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 3,602
Total Mortgage Loan Application Amount $1,162,860,000
Average Mortgage Loan Application Amount $322,837
Highest Mortgage Loan Application Amount $19,675,000
Average Applicant Income $133,595
Highest Applicant Income $2,676,000

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Act (HMDA) records Capstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Davidson, Tennessee 1,357 $ 489,115,000 $ 360,438 $ 145,000
Williamson, Tennessee 409 $ 176,465,000 $ 431,454 $ 161,000
Sumner, Tennessee 226 $ 66,260,000 $ 293,185 $ 118,000
McMinn, Tennessee 225 $ 41,045,000 $ 182,422 $ 95,000
Rutherford, Tennessee 164 $ 41,470,000 $ 252,865 $ 92,000
Wilson, Tennessee 137 $ 40,895,000 $ 298,503 $ 113,000
Lawrence, Tennessee 79 $ 14,145,000 $ 179,050 $ 97,000
Maury, Tennessee 68 $ 18,470,000 $ 271,617 $ 93,000
Bradley, Tennessee 61 $ 15,895,000 $ 260,573 $ 141,000
Coffee, Tennessee 61 $ 10,505,000 $ 172,213 $ 88,000
Robertson, Tennessee 58 $ 13,980,000 $ 241,034 $ 89,000
Dickson, Tennessee 48 $ 11,240,000 $ 234,166 $ 83,000
Monroe, Tennessee 47 $ 9,055,000 $ 192,659 $ 84,000
Hamilton, Tennessee 45 $ 11,735,000 $ 260,777 $ 192,000
Cheatham, Tennessee 43 $ 10,035,000 $ 233,372 $ 102,000
Montgomery, Tennessee 39 $ 8,295,000 $ 212,692 $ 82,000
Knox, Tennessee 37 $ 50,335,000 $ 1,360,405 $ 200,000
Cannon, Tennessee 36 $ 5,300,000 $ 147,222 $ 69,000
Marshall, Tennessee 18 $ 5,280,000 $ 293,333 $ 76,000
Sevier, Tennessee 18 $ 6,980,000 $ 387,777 $ 231,000
Wayne, Tennessee 18 $ 1,670,000 $ 92,777 $ 63,000
Franklin, Tennessee 17 $ 3,825,000 $ 225,000 $ 116,000
Meigs, Tennessee 17 $ 3,415,000 $ 200,882 $ 105,000
DeKalb, Tennessee 13 $ 3,265,000 $ 251,153 $ 174,000
Warren, Tennessee 13 $ 2,085,000 $ 160,384 $ 64,000
Walton, Florida 12 $ 5,870,000 $ 489,166 $ 285,000
Loudon, Tennessee 12 $ 3,660,000 $ 305,000 $ 153,000
Putnam, Tennessee 11 $ 2,865,000 $ 260,454 $ 95,000
Bedford, Tennessee 10 $ 2,350,000 $ 235,000 $ 85,000
Madison, Alabama 9 $ 1,535,000 $ 170,555 $ 261,000
Grundy, Tennessee 9 $ 1,455,000 $ 161,666 $ 151,000
Hickman, Tennessee 8 $ 1,570,000 $ 196,250 $ 78,000
Okaloosa, Florida 7 $ 2,975,000 $ 425,000 $ 444,000
Smith, Tennessee 7 $ 965,000 $ 137,857 $ 47,000
Maricopa, Arizona 6 $ 3,190,000 $ 531,666 $ 199,000
Fulton, Georgia 6 $ 1,590,000 $ 265,000 $ 119,000
Giles, Tennessee 6 $ 1,040,000 $ 173,333 $ 90,000
Polk, Tennessee 6 $ 1,100,000 $ 183,333 $ 85,000
Shelby, Tennessee 6 $ 2,840,000 $ 473,333 $ 319,000
Fayette, Kentucky 5 $ 1,615,000 $ 323,000 $ 168,000
McCracken, Kentucky 5 $ 965,000 $ 193,000 $ 149,000
Humphreys, Tennessee 5 $ 795,000 $ 159,000 $ 88,000
Macon, Tennessee 5 $ 795,000 $ 159,000 $ 42,000
Trousdale, Tennessee 5 $ 1,045,000 $ 209,000 $ 96,000
Harris, Texas 5 $ 1,355,000 $ 271,000 $ 352,000
Orange, Florida 4 $ 1,190,000 $ 297,500 $ 173,000
York, South Carolina 4 $ 1,160,000 $ 290,000 $ 87,000
Blount, Tennessee 4 $ 1,670,000 $ 417,500 $ 93,000
Clay, Tennessee 4 $ 810,000 $ 202,500 $ 262,000
Jackson, Tennessee 4 $ 720,000 $ 180,000 $ 80,000
Moore, Tennessee 4 $ 520,000 $ 130,000 $ 97,000
Washington, Tennessee 4 $ 1,150,000 $ 287,500 $ 330,000
Marshall, Alabama 3 $ 445,000 $ 148,333 $ 151,000
Clay, Florida 3 $ 885,000 $ 295,000 $ 98,000
Collier, Florida 3 $ 985,000 $ 328,333 $ 283,000
Escambia, Florida 3 $ 875,000 $ 291,666 $ 169,000
Franklin, Florida 3 $ 1,775,000 $ 591,666 $ 296,000
Pinellas, Florida 3 $ 795,000 $ 265,000 $ 116,000
Sarasota, Florida 3 $ 1,075,000 $ 358,333 $ 416,000
Chatham, Georgia 3 $ 925,000 $ 308,333 $ 176,000
Logan, Kentucky 3 $ 595,000 $ 198,333 $ 144,000
Marion, Tennessee 3 $ 1,185,000 $ 395,000 $ 419,000
Overton, Tennessee 3 $ 535,000 $ 178,333 $ 85,000
Rhea, Tennessee 3 $ 695,000 $ 231,666 $ 109,000
Roane, Tennessee 3 $ 405,000 $ 135,000 $ 75,000
Sullivan, Tennessee 3 $ 995,000 $ 331,666 $ 193,000
Limestone, Alabama 2 $ 570,000 $ 285,000 $ 119,000
Arapahoe, Colorado 2 $ 610,000 $ 305,000 $ 178,000
Broward, Florida 2 $ 610,000 $ 305,000 $ 566,000
Duval, Florida 2 $ 1,040,000 $ 520,000 $ 124,000
Hillsborough, Florida 2 $ 420,000 $ 210,000 $ 68,000
Lee, Florida 2 $ 750,000 $ 375,000 $ 219,000
Miami-Dade, Florida 2 $ 850,000 $ 425,000 $ 605,000
Seminole, Florida 2 $ 940,000 $ 470,000 $ 251,000
St. Johns, Florida 2 $ 410,000 $ 205,000 $ 125,000
Bibb, Georgia 2 $ 390,000 $ 195,000 $ 61,000
Catoosa, Georgia 2 $ 6,560,000 $ 3,280,000 $ 132,000
Cobb, Georgia 2 $ 510,000 $ 255,000 $ 107,000
Glynn, Georgia 2 $ 470,000 $ 235,000 $ 135,000
Marion, Indiana 2 $ 550,000 $ 275,000 $ 88,000
Vanderburgh, Indiana 2 $ 280,000 $ 140,000 $ 64,000
Marshall, Kentucky 2 $ 480,000 $ 240,000 $ 159,000
Meade, Kentucky 2 $ 660,000 $ 330,000 $ 296,000
Haywood, North Carolina 2 $ 370,000 $ 185,000 $ 62,000
Wake, North Carolina 2 $ 610,000 $ 305,000 $ 56,000
Charleston, South Carolina 2 $ 830,000 $ 415,000 $ 181,000
Benton, Tennessee 2 $ 240,000 $ 120,000 $ 51,000
Henry, Tennessee 2 $ 270,000 $ 135,000 $ 50,000
Lewis, Tennessee 2 $ 460,000 $ 230,000 $ 108,000
Lincoln, Tennessee 2 $ 540,000 $ 270,000 $ 95,000
Madison, Tennessee 2 $ 320,000 $ 160,000 $ 91,000
Pickett, Tennessee 2 $ 400,000 $ 200,000 $ 222,000
Sequatchie, Tennessee 2 $ 960,000 $ 480,000 $ 132,000
Van Buren, Tennessee 2 $ 620,000 $ 310,000 $ 266,000
Weakley, Tennessee 2 $ 200,000 $ 100,000 $ 77,000
White, Tennessee 2 $ 200,000 $ 100,000 $ 92,000
Etowah, Alabama 1 $ 175,000 $ 175,000 $ 59,000
Houston, Alabama 1 $ 125,000 $ 125,000 $ 240,000
Jackson, Alabama 1 $ 65,000 $ 65,000 $ 157,000
Jefferson, Alabama 1 $ 405,000 $ 405,000 $ 105,000
Lauderdale, Alabama 1 $ 125,000 $ 125,000 $ 49,000
Lee, Alabama 1 $ 285,000 $ 285,000 $ 87,000
Mobile, Alabama 1 $ 365,000 $ 365,000 $ 70,000
Montgomery, Alabama 1 $ 415,000 $ 415,000 $ 0
Coconino, Arizona 1 $ 545,000 $ 545,000 $ 279,000
Mohave, Arizona 1 $ 255,000 $ 255,000 $ 90,000
Saline, Arkansas 1 $ 185,000 $ 185,000 $ 102,000
Denver, Colorado 1 $ 355,000 $ 355,000 $ 270,000
Brevard, Florida 1 $ 245,000 $ 245,000 $ 131,000
Leon, Florida 1 $ 465,000 $ 465,000 $ 192,000
Palm Beach, Florida 1 $ 515,000 $ 515,000 $ 383,000
Pasco, Florida 1 $ 405,000 $ 405,000 $ 205,000
Santa Rosa, Florida 1 $ 185,000 $ 185,000 $ 0
Volusia, Florida 1 $ 645,000 $ 645,000 $ 397,000
Dade, Georgia 1 $ 145,000 $ 145,000 $ 145,000
Douglas, Georgia 1 $ 195,000 $ 195,000 $ 0
Fannin, Georgia 1 $ 195,000 $ 195,000 $ 0
Monroe, Georgia 1 $ 215,000 $ 215,000 $ 75,000
Walker, Georgia 1 $ 295,000 $ 295,000 $ 142,000
Whitfield, Georgia 1 $ 185,000 $ 185,000 $ 55,000
DuPage, Illinois 1 $ 165,000 $ 165,000 $ 66,000
McLean, Illinois 1 $ 155,000 $ 155,000 $ 49,000
Sangamon, Illinois 1 $ 145,000 $ 145,000 $ 74,000
Lake, Indiana 1 $ 165,000 $ 165,000 $ 170,000
Tipton, Indiana 1 $ 125,000 $ 125,000 $ 35,000
Allen, Kentucky 1 $ 155,000 $ 155,000 $ 31,000
Daviess, Kentucky 1 $ 165,000 $ 165,000 $ 59,000
Scott, Kentucky 1 $ 265,000 $ 265,000 $ 50,000
Simpson, Kentucky 1 $ 165,000 $ 165,000 $ 60,000
St. Tammany, Louisiana 1 $ 425,000 $ 425,000 $ 105,000
Mackinac, Michigan 1 $ 315,000 $ 315,000 $ 180,000
Hinds, Mississippi 1 $ 205,000 $ 205,000 $ 100,000
Lafayette, Mississippi 1 $ 375,000 $ 375,000 $ 91,000
Madison, Mississippi 1 $ 415,000 $ 415,000 $ 260,000
Pike, Mississippi 1 $ 225,000 $ 225,000 $ 75,000
Tate, Mississippi 1 $ 105,000 $ 105,000 $ 136,000
Tishomingo, Mississippi 1 $ 125,000 $ 125,000 $ 326,000
Buchanan, Missouri 1 $ 225,000 $ 225,000 $ 324,000
Greene, Missouri 1 $ 265,000 $ 265,000 $ 344,000
Bernalillo, New Mexico 1 $ 175,000 $ 175,000 $ 315,000
Buncombe, North Carolina 1 $ 965,000 $ 965,000 $ 0
Cherokee, North Carolina 1 $ 305,000 $ 305,000 $ 139,000
Iredell, North Carolina 1 $ 215,000 $ 215,000 $ 156,000
Macon, North Carolina 1 $ 535,000 $ 535,000 $ 215,000
Mecklenburg, North Carolina 1 $ 545,000 $ 545,000 $ 264,000
Swain, North Carolina 1 $ 325,000 $ 325,000 $ 192,000
Cuyahoga, Ohio 1 $ 315,000 $ 315,000 $ 315,000
Franklin, Ohio 1 $ 275,000 $ 275,000 $ 154,000
Hamilton, Ohio 1 $ 195,000 $ 195,000 $ 93,000
Lebanon, Pennsylvania 1 $ 355,000 $ 355,000 $ 276,000
Beaufort, South Carolina 1 $ 165,000 $ 165,000 $ 92,000
Greenville, South Carolina 1 $ 1,085,000 $ 1,085,000 $ 985,000
Lancaster, South Carolina 1 $ 215,000 $ 215,000 $ 59,000
Anderson, Tennessee 1 $ 185,000 $ 185,000 $ 81,000
Bledsoe, Tennessee 1 $ 175,000 $ 175,000 $ 85,000
Claiborne, Tennessee 1 $ 395,000 $ 395,000 $ 107,000
Cumberland, Tennessee 1 $ 115,000 $ 115,000 $ 220,000
Decatur, Tennessee 1 $ 195,000 $ 195,000 $ 42,000
Fayette, Tennessee 1 $ 185,000 $ 185,000 $ 34,000
Fentress, Tennessee 1 $ 165,000 $ 165,000 $ 51,000
Henderson, Tennessee 1 $ 235,000 $ 235,000 $ 120,000
Perry, Tennessee 1 $ 195,000 $ 195,000 $ 71,000
Stewart, Tennessee 1 $ 235,000 $ 235,000 $ 64,000
Bell, Texas 1 $ 205,000 $ 205,000 $ 148,000
Denton, Texas 1 $ 595,000 $ 595,000 $ 211,000
El Paso, Texas 1 $ 205,000 $ 205,000 $ 195,000
Washington, Utah 1 $ 415,000 $ 415,000 $ 200,000
Prince William, Virginia 1 $ 225,000 $ 225,000 $ 58,000
Clark, Washington 1 $ 445,000 $ 445,000 $ 132,000

Mortgage Loan Application Detail Totals for Capstar Bank in 2021

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
Home Purchase 1,610 $613,180,000 $380,000 $19,675,000 $142,000 $2,339,000
Refinancing 1,121 $313,385,000 $279,000 $2,755,000 $133,000 $1,864,000
Cash-out Refinancing 795 $219,095,000 $275,000 $4,355,000 $115,000 $2,676,000
Other Purpose 65 $16,415,000 $252,000 $545,000 $173,000 $1,682,000
Home Improvement 10 $570,000 $57,000 $115,000 $76,000 $260,000
Not Applicable 1 $215,000 $215,000 $215,000 $67,000 $67,000

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 3,176 $969,190,000 $305,000 $2,505,000 $132,000 $2,432,000
Black or African American 128 $29,120,000 $227,000 $705,000 $92,000 $406,000
Not Provided 88 $31,700,000 $360,000 $2,255,000 $211,000 $2,676,000
Asian 87 $30,335,000 $348,000 $1,415,000 $165,000 $750,000
Not applicable 75 $85,235,000 $1,136,000 $19,675,000 $0 $0
Hispanic 41 $15,025,000 $366,000 $1,145,000 $138,000 $700,000
American Indian or Alaskan Native 3 $615,000 $205,000 $285,000 $35,000 $46,000
Native Hawaiian or Other Pacific Islander 2 $840,000 $420,000 $445,000 $116,000 $152,000

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) 3,388 $1,104,440,000 $325,000 $19,675,000 $136,000 $2,676,000
FHA-insured (Federal Housing Administration) 90 $23,160,000 $257,000 $545,000 $78,000 $262,000
VA-guaranteed (Veterans Administration) 86 $28,260,000 $328,000 $985,000 $102,000 $216,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 38 $7,000,000 $184,000 $395,000 $48,000 $82,000

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 3,063 $1,003,295,000 $327,000 $19,675,000 $135,000 $2,432,000
Application Withdrawn By Applicant 330 $108,050,000 $327,000 $1,505,000 $148,000 $2,676,000
Application Denied By Financial Institution 187 $45,835,000 $245,000 $2,255,000 $93,000 $750,000
Application Approved But Not Accepted 21 $5,425,000 $258,000 $675,000 $114,000 $455,000
File Closed For Incompleteness 1 $255,000 $255,000 $255,000 $139,000 $139,000
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
Not applicable 3,415 $1,117,025,000 $327,000 $19,675,000 $136,000 $2,676,000
Credit History 60 $10,070,000 $167,000 $545,000 $66,000 $250,000
Debt-To-Income Ratio 54 $12,580,000 $232,000 $625,000 $70,000 $266,000
Collateral 25 $6,645,000 $265,000 $655,000 $135,000 $538,000
Credit Application Incomplete 20 $8,320,000 $416,000 $2,255,000 $153,000 $750,000
Other 16 $4,050,000 $253,000 $535,000 $109,000 $330,000
Insufficient Cash (Downpayment, Closing Cost) 6 $2,090,000 $348,000 $545,000 $124,000 $327,000
Unverifiable Information 3 $325,000 $108,000 $125,000 $71,000 $106,000
Employment History 3 $1,755,000 $585,000 $1,015,000 $125,000 $204,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Capstar Bank's 2021 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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