Capstar Bank Mortgage Lending & HMDA Data, 2023
In 2023, Capstar Bank of Nashville, TN reported 1,273 mortgage applications totaling $377.3 million, down 47% from 2022. The average application was for $296,421, and applicants reported an average income of $159,285. 77% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (726), Chattanooga, TN-GA (28) and Clarksville, TN-KY (24) (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 | 1,273 |
| Total Mortgage Loan Application Amount | $377,345,000 |
| Average Mortgage Loan Application Amount | $296,421 |
| Highest Mortgage Loan Application Amount | $2,835,000 |
| Average Applicant Income | $159,285 |
| Highest Applicant Income | $2,172,000 |
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Act (HMDA) records Capstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 726 | $ 259,970,000 | $ 358,085 | $ 176,000 |
| Outside any metro area | 377 | $ 59,145,000 | $ 156,883 | $ 111,925 |
| Chattanooga, TN-GA | 28 | $ 11,850,000 | $ 423,214 | $ 305,785 |
| Clarksville, TN-KY | 24 | $ 5,170,000 | $ 215,416 | $ 97,333 |
| Knoxville, TN | 23 | $ 7,415,000 | $ 322,391 | $ 219,000 |
| Cleveland, TN | 21 | $ 3,865,000 | $ 184,047 | $ 104,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 4,655,000 | $ 665,000 | $ 575,000 |
| Asheville, NC | 4 | $ 2,770,000 | $ 692,500 | $ 257,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,370,000 | $ 342,500 | $ 122,000 |
| Bowling Green, KY | 4 | $ 880,000 | $ 220,000 | $ 88,000 |
| Florence-Muscle Shoals, AL | 4 | $ 630,000 | $ 157,500 | $ 118,000 |
| Jacksonville, FL | 4 | $ 1,880,000 | $ 470,000 | $ 217,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 475,000 | $ 158,333 | $ 96,000 |
| Morristown, TN | 3 | $ 1,205,000 | $ 401,666 | $ 397,000 |
| Panama City, FL | 3 | $ 2,165,000 | $ 721,666 | $ 133,000 |
| Auburn-Opelika, AL | 2 | $ 740,000 | $ 370,000 | $ 176,000 |
| Birmingham-Hoover, AL | 2 | $ 460,000 | $ 230,000 | $ 195,000 |
| Bloomington, IN | 2 | $ 1,010,000 | $ 505,000 | $ 384,000 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 990,000 | $ 495,000 | $ 131,500 |
| Dallas-Plano-Irving, TX | 2 | $ 1,100,000 | $ 550,000 | $ 202,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 490,000 | $ 245,000 | $ 150,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 850,000 | $ 425,000 | $ 267,000 |
| Huntsville, AL | 2 | $ 340,000 | $ 170,000 | $ 142,000 |
| Johnson City, TN | 2 | $ 620,000 | $ 310,000 | $ 209,000 |
| Memphis, TN-MS-AR | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Ocala, FL | 2 | $ 510,000 | $ 255,000 | $ 166,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 425,000 | $ 425,000 | $ 144,000 |
| Charleston-North Charleston, SC | 1 | $ 525,000 | $ 525,000 | $ 184,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 455,000 | $ 455,000 | $ 205,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 225,000 | $ 225,000 | $ 125,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Greensboro-High Point, NC | 1 | $ 485,000 | $ 485,000 | $ 119,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Lakeland-Winter Haven, FL | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Lexington-Fayette, KY | 1 | $ 175,000 | $ 175,000 | $ 219,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 475,000 | $ 475,000 | $ 260,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Port St. Lucie, FL | 1 | $ 335,000 | $ 335,000 | $ 507,000 |
| Springfield, MO | 1 | $ 725,000 | $ 725,000 | $ 748,000 |
| St. Louis, MO-IL | 1 | $ 575,000 | $ 575,000 | $ 189,000 |
| The Villages, FL | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| Tulsa, OK | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Capstar Bank in 2023
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 | 667 | $257,015,000 | $385,000 | $2,835,000 | $168,000 | $1,498,000 |
| Other Purpose | 262 | $53,970,000 | $205,000 | $2,515,000 | $184,000 | $2,172,000 |
| Refinancing | 134 | $28,340,000 | $211,000 | $1,355,000 | $134,000 | $1,285,000 |
| Cash-out Refinancing | 110 | $25,920,000 | $235,000 | $725,000 | $95,000 | $1,016,000 |
| Home Improvement | 100 | $12,100,000 | $121,000 | $955,000 | $141,000 | $1,944,000 |
| 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 | 1,059 | $311,535,000 | $294,000 | $2,835,000 | $155,000 | $1,944,000 |
| Not Provided | 66 | $23,290,000 | $352,000 | $1,655,000 | $274,000 | $2,172,000 |
| Black or African American | 50 | $10,520,000 | $210,000 | $685,000 | $96,000 | $594,000 |
| Hispanic | 29 | $7,295,000 | $251,000 | $645,000 | $120,000 | $328,000 |
| Asian | 28 | $10,720,000 | $382,000 | $1,475,000 | $171,000 | $662,000 |
| Not applicable | 22 | $10,290,000 | $467,000 | $1,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,215,000 | $173,000 | $365,000 | $114,000 | $346,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $275,000 | $275,000 | $275,000 | $70,000 | $70,000 |
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) | 1,148 | $340,710,000 | $296,000 | $2,835,000 | $166,000 | $2,172,000 |
| FHA-insured (Federal Housing Administration) | 87 | $24,675,000 | $283,000 | $695,000 | $104,000 | $789,000 |
| VA-guaranteed (Veterans Administration) | 30 | $10,300,000 | $343,000 | $915,000 | $102,000 | $287,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,660,000 | $207,000 | $375,000 | $79,000 | $127,000 |
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 | 980 | $292,170,000 | $298,000 | $2,835,000 | $163,000 | $1,944,000 |
| Application Withdrawn By Applicant | 151 | $53,895,000 | $356,000 | $1,105,000 | $161,000 | $1,498,000 |
| Application Denied By Financial Institution | 132 | $27,880,000 | $211,000 | $2,505,000 | $132,000 | $2,172,000 |
| Application Approved But Not Accepted | 9 | $2,925,000 | $325,000 | $1,005,000 | $172,000 | $486,000 |
| Loan Purchased By The Institution | 1 | $475,000 | $475,000 | $475,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 1,141 | $349,465,000 | $306,000 | $2,835,000 | $162,000 | $1,944,000 |
| Debt-To-Income Ratio | 51 | $8,155,000 | $159,000 | $1,005,000 | $95,000 | $490,000 |
| Credit History | 47 | $7,595,000 | $161,000 | $705,000 | $128,000 | $2,172,000 |
| Credit Application Incomplete | 9 | $5,625,000 | $625,000 | $2,505,000 | $227,000 | $1,480,000 |
| Collateral | 7 | $1,375,000 | $196,000 | $405,000 | $208,000 | $860,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,645,000 | $377,000 | $1,005,000 | $145,000 | $413,000 |
| Unverifiable Information | 5 | $1,105,000 | $221,000 | $635,000 | $241,000 | $789,000 |
| Employment History | 4 | $790,000 | $197,000 | $505,000 | $96,000 | $250,000 |
| Other | 2 | $590,000 | $295,000 | $315,000 | $234,000 | $330,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Capstar Bank's 2023 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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