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Act (HMDA) records Capstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3,007 | $ 935,885,000 | $ 311,235 | $ 138,000 |
| Outside any metro area | 533 | $ 96,295,000 | $ 180,666 | $ 100,551 |
| Cleveland, TN | 153 | $ 31,645,000 | $ 206,830 | $ 114,000 |
| Chattanooga, TN-GA | 71 | $ 15,765,000 | $ 222,042 | $ 170,464 |
| Knoxville, TN | 51 | $ 16,925,000 | $ 331,862 | $ 156,000 |
| Clarksville, TN-KY | 36 | $ 7,370,000 | $ 204,722 | $ 80,416 |
| Memphis, TN-MS-AR | 19 | $ 6,095,000 | $ 320,789 | $ 155,000 |
| Crestview-Fort Walton Beach-Destin, FL | 10 | $ 5,770,000 | $ 577,000 | $ 298,000 |
| Atlanta-Sandy Springs-Roswell, GA | 9 | $ 2,485,000 | $ 276,111 | $ 242,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 1,710,000 | $ 213,750 | $ 117,250 |
| Huntsville, AL | 7 | $ 1,585,000 | $ 226,428 | $ 251,000 |
| Dallas-Plano-Irving, TX | 6 | $ 2,580,000 | $ 430,000 | $ 193,000 |
| Birmingham-Hoover, AL | 5 | $ 1,375,000 | $ 275,000 | $ 139,000 |
| Lexington-Fayette, KY | 5 | $ 1,285,000 | $ 257,000 | $ 78,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,495,000 | $ 299,000 | $ 124,000 |
| Bowling Green, KY | 4 | $ 970,000 | $ 242,500 | $ 98,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 890,000 | $ 222,500 | $ 229,750 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,290,000 | $ 322,500 | $ 249,000 |
| Tallahassee, FL | 4 | $ 600,000 | $ 150,000 | $ 122,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 12,770,000 | $ 3,192,500 | $ 134,000 |
| Austin-Round Rock, TX | 3 | $ 815,000 | $ 271,666 | $ 162,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 865,000 | $ 288,333 | $ 147,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,265,000 | $ 421,666 | $ 137,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 685,000 | $ 228,333 | $ 155,000 |
| Jackson, TN | 3 | $ 575,000 | $ 191,666 | $ 114,000 |
| St. Louis, MO-IL | 3 | $ 825,000 | $ 275,000 | $ 195,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 885,000 | $ 295,000 | $ 259,000 |
| Charleston-North Charleston, SC | 2 | $ 780,000 | $ 390,000 | $ 80,000 |
| Chicago-Naperville, IL | 2 | $ 600,000 | $ 300,000 | $ 276,000 |
| Cincinnati, OH-KY-IN | 2 | $ 560,000 | $ 280,000 | $ 115,500 |
| Dalton, GA | 2 | $ 290,000 | $ 145,000 | $ 42,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 510,000 | $ 255,000 | $ 96,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 470,000 | $ 235,000 | $ 483,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 820,000 | $ 410,000 | $ 299,000 |
| Jacksonville, FL | 2 | $ 750,000 | $ 375,000 | $ 284,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 470,000 | $ 235,000 | $ 233,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 2 | $ 340,000 | $ 170,000 | $ 92,000 |
| New Orleans-Metairie, LA | 2 | $ 680,000 | $ 340,000 | $ 157,000 |
| Raleigh, NC | 2 | $ 750,000 | $ 375,000 | $ 114,000 |
| Roanoke, VA | 2 | $ 180,000 | $ 90,000 | $ 37,000 |
| Springfield, IL | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Staunton-Waynesboro, VA | 2 | $ 340,000 | $ 170,000 | $ 63,000 |
| Albany, GA | 1 | $ 275,000 | $ 275,000 | $ 135,000 |
| Asheville, NC | 1 | $ 435,000 | $ 435,000 | $ 345,000 |
| Athens-Clarke County, GA | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 515,000 | $ 515,000 | $ 250,000 |
| Baton Rouge, LA | 1 | $ 175,000 | $ 175,000 | $ 252,000 |
| Burlington, NC | 1 | $ 245,000 | $ 245,000 | $ 574,000 |
| Cleveland-Elyria, OH | 1 | $ 435,000 | $ 435,000 | $ 315,000 |
| Columbia, SC | 1 | $ 315,000 | $ 315,000 | $ 127,000 |
| Durham-Chapel Hill, NC | 1 | $ 415,000 | $ 415,000 | $ 113,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Fort Collins, CO | 1 | $ 485,000 | $ 485,000 | $ 135,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 245,000 | $ 245,000 | $ 142,000 |
| Jackson, MS | 1 | $ 425,000 | $ 425,000 | $ 130,000 |
| Johnson City, TN | 1 | $ 75,000 | $ 75,000 | $ 156,000 |
| Lakeland-Winter Haven, FL | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Macon-Bibb County, GA | 1 | $ 275,000 | $ 275,000 | $ 82,000 |
| Madison, WI | 1 | $ 155,000 | $ 155,000 | $ 108,000 |
| Midland, TX | 1 | $ 365,000 | $ 365,000 | $ 60,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 365,000 | $ 365,000 | $ 77,000 |
| Panama City, FL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 425,000 | $ 425,000 | $ 146,000 |
| Richmond, VA | 1 | $ 385,000 | $ 385,000 | $ 177,000 |
| Sebring, FL | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
| Waco, TX | 1 | $ 295,000 | $ 295,000 | $ 173,000 |
| Warner Robins, GA | 1 | $ 285,000 | $ 285,000 | $ 155,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Wilmington, NC | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
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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with aggregated HMDA statistics today.
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