Texas Capital Bank, National Association Mortgage Lending & HMDA Data, 2020
In 2020, Texas Capital Bank, National Association of Dallas, TX reported 41,111 mortgage applications totaling $11.0 billion, up 17% from 2019. The average application was for $268,312, and applicants reported an average income of $116,532. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were St. Louis, MO-IL (1,663), Phoenix-Mesa-Scottsdale, AZ (1,554) and Los Angeles-Long Beach-Glendale, CA (1,279) (applications in parentheses).
| Mortgage Company & Address | Texas Capital Bank, National Association 2000 McKinney Ave Suite 700 Dallas, TX 75201 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 41,111 |
| Total Mortgage Loan Application Amount | $11,030,575,000 |
| Average Mortgage Loan Application Amount | $268,312 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $116,532 |
| Highest Applicant Income | $7,575,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Texas Capital Bank, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Detail Totals for Texas Capital Bank, National Association 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 | 18,340 | $5,294,150,000 | $288,000 | $7,005,000 | $124,000 | $5,768,000 |
| Home Purchase | 15,538 | $3,849,260,000 | $247,000 | $3,245,000 | $109,000 | $7,293,000 |
| Cash-out Refinancing | 6,863 | $1,811,185,000 | $263,000 | $3,905,000 | $113,000 | $7,575,000 |
| Other Purpose | 312 | $64,820,000 | $207,000 | $2,005,000 | $132,000 | $2,258,000 |
| Home Improvement | 58 | $11,160,000 | $192,000 | $515,000 | $108,000 | $509,000 |
| 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 | 29,322 | $7,534,200,000 | $256,000 | $7,005,000 | $116,000 | $7,575,000 |
| Not Provided | 4,388 | $1,360,370,000 | $310,000 | $3,905,000 | $129,000 | $2,340,000 |
| Hispanic | 3,456 | $914,310,000 | $264,000 | $975,000 | $101,000 | $806,000 |
| Asian | 2,300 | $788,130,000 | $342,000 | $2,395,000 | $134,000 | $666,000 |
| Black or African American | 1,297 | $329,975,000 | $254,000 | $755,000 | $101,000 | $513,000 |
| American Indian or Alaskan Native | 166 | $42,010,000 | $253,000 | $745,000 | $107,000 | $391,000 |
| Native Hawaiian or Other Pacific Islander | 54 | $18,740,000 | $347,000 | $595,000 | $145,000 | $420,000 |
| Not applicable | 8 | $8,020,000 | $1,002,000 | $2,605,000 | $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) | 40,980 | $11,000,110,000 | $268,000 | $7,005,000 | $117,000 | $7,575,000 |
| FHA-insured (Federal Housing Administration) | 88 | $19,140,000 | $217,000 | $475,000 | $70,000 | $170,000 |
| VA-guaranteed (Veterans Administration) | 30 | $9,540,000 | $318,000 | $745,000 | $109,000 | $396,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,785,000 | $137,000 | $265,000 | $46,000 | $80,000 |
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 Purchased By The Institution | 41,040 | $10,933,770,000 | $266,000 | $1,185,000 | $115,000 | $4,720,000 |
| Loan Originated | 56 | $69,620,000 | $1,243,000 | $3,905,000 | $1,336,000 | $7,575,000 |
| Application Denied By Financial Institution | 11 | $16,025,000 | $1,456,000 | $3,245,000 | $1,386,000 | $4,536,000 |
| Application Withdrawn By Applicant | 2 | $10,250,000 | $5,125,000 | $7,005,000 | $1,585,000 | $1,585,000 |
| Application Approved But Not Accepted | 2 | $910,000 | $455,000 | $555,000 | $968,000 | $1,426,000 |
| File Closed For Incompleteness | 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 | 41,100 | $11,014,550,000 | $267,000 | $7,005,000 | $116,000 | $7,575,000 |
| Collateral | 4 | $5,710,000 | $1,427,000 | $2,255,000 | $1,313,000 | $3,962,000 |
| Credit Application Incomplete | 2 | $2,850,000 | $1,425,000 | $2,805,000 | $1,906,000 | $1,906,000 |
| Debt-To-Income Ratio | 2 | $790,000 | $395,000 | $515,000 | $87,000 | $141,000 |
| Employment History | 1 | $2,105,000 | $2,105,000 | $2,105,000 | $4,536,000 | $4,536,000 |
| Credit History | 1 | $1,325,000 | $1,325,000 | $1,325,000 | $414,000 | $414,000 |
| Unverifiable Information | 1 | $3,245,000 | $3,245,000 | $3,245,000 | $1,585,000 | $1,585,000 |
| Other | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texas Capital Bank, National Association'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 Texas Capital Bank, National Association'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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
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