Texas Capital Bank Mortgage Rates, Fees & Info
Dallas, TXLEI: 38PG5GG0OEQK4QMSKE59
Tax ID: 75-2695994
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Texas Capital Bank is a smaller bank specializing in Home Purchase loans. Texas Capital Bank has a high proportion of conventional loans. Their top markets by origination volume include: Dallas, Charlotte, Jacksonville, Riverside, and Sacramento among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)Texas Capital Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
40Origination Dollar Volume (All Markets)
$724,720,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 12 | $214,990,000 | $17,915,833 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $100,005,000 | $100,005,000 | $0 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $79,380,000 | $39,690,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $54,305,000 | $54,305,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $41,005,000 | $41,005,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $40,650,000 | $20,325,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $37,375,000 | $37,375,000 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $36,305,000 | $36,305,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $33,005,000 | $33,005,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $26,245,000 | $26,245,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $19,445,000 | $19,445,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $14,905,000 | $14,905,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $11,695,000 | $3,898,333 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $4,590,000 | $2,295,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $3,790,000 | $947,500 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $1,755,000 | $1,755,000 | $0 | 0.00% |
| Athens, TX (FHA|USDA|VA) | 1 | $1,655,000 | $1,655,000 | $0 | 0.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $0 | 0.00% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Texas Capital Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 220
Similarity Rank: 258
Similarity Rank: 360
Similarity Rank: 432
Similarity Rank: 714
Similarity Rank: 770
Similarity Rank: 824
Similarity Rank: 981
Similarity Rank: 1048
Similarity Rank: 1050
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 40 | $724,720,000 | $18,118,000 | $0 | 0.00% |
For 2023, Texas Capital Bank's most frequently originated type of loan was Conventional, with 40 originations.
Loan Reason
For 2023, Texas Capital Bank's most frequently cited loan purpose was Home Purchase, with 33 originations. The 2nd most popular reason was Other, with 4 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 40 | $724,720,000 | $18,118,000 | $0 | 0.00% |
For 2023, Texas Capital Bank's most frequently cited loan duration was Other, with 40 originations.
Loan Sizing
2023 saw Texas Capital Bank place emphasis on $1MM+ loans with 31 originations, totaling $719,445,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $250k+ | 18 | $34,050,000 | $1,891,667 | $0 | 0.00% |
| $150k-250k | 1 | $605,000 | $605,000 | $0 | 0.00% |
Texas Capital Bank lent most frequently to those with incomes in the $250k+ range, with 18 originations. The second most popular income band? $150k-250k, with 1 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 40 | $724,720,000 | $18,118,000 | $0 | 0.00% |
Texas Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 40 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.67%
Texas Capital Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination95.00%
Texas Capital Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 40 | $724,720,000 | $18,118,000 |