Texas Capital Bank Mortgage Rates, Fees & Info
Dallas, TX
LEI: 38PG5GG0OEQK4QMSKE59
Tax ID: 75-2695994
1 stars
-
out of 5 stars, based on 8 reviews
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Mortgage Data
Bank Data
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 include Austin, Dallas, Lakeland, Houston, and Edwards among others. Texas Capital Bank has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Texas Capital Bank is typically
a high fee
lendor.
Originations
64
Origination Dollar Volume (All Markets)
$150,150,000
Employee count
1,748
Awards
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Texas Capital Bank - 2021
Texas Capital Bank is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Texas Capital Bank's average 30 year fixed rate mortgage of loans were
2.91%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.24%.
Relative Fees
Texas Capital Bank's average total fees for a 30 year fixed rate
mortgage are $23,855.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)
|
13
|
$43,655,000 |
$3,358,077 |
$46,716 |
3.00% |
|
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)
|
9
|
$32,995,000 |
$3,666,111 |
$19,015 |
2.70% |
|
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA)
|
1
|
$24,255,000 |
$24,255,000 |
$0 |
3.25% |
|
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)
|
15
|
$15,105,000 |
$1,007,000 |
$17,310 |
2.92% |
|
Edwards, CO (FHA|USDA|VA)
|
1
|
$10,795,000 |
$10,795,000 |
$133,079 |
2.50% |
|
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)
|
7
|
$4,955,000 |
$707,857 |
$11,887 |
2.95% |
|
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA)
|
1
|
$3,605,000 |
$3,605,000 |
$18,628 |
2.88% |
|
Outside of Metro Areas
|
4 |
$2,170,000 |
$542,500 |
$12,201 |
3.13% |
|
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA)
|
1
|
$2,005,000 |
$2,005,000 |
$5,221 |
3.25% |
|
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA)
|
1
|
$1,555,000 |
$1,555,000 |
$24,058 |
2.75% |
|
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA)
|
1
|
$1,525,000 |
$1,525,000 |
$27,405 |
2.63% |
|
Heber, UT (FHA|USDA|VA)
|
1
|
$1,255,000 |
$1,255,000 |
$18,029 |
2.88% |
|
CORPUS CHRISTI, TX (FHA|USDA|VA)
|
1
|
$1,005,000 |
$1,005,000 |
$20,848 |
2.75% |
|
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA)
|
1
|
$995,000 |
$995,000 |
$16,604 |
2.88% |
|
Brownwood, TX (FHA|USDA|VA)
|
1
|
$845,000 |
$845,000 |
$0 |
2.75% |
|
Sevierville, TN (FHA|USDA|VA)
|
1
|
$825,000 |
$825,000 |
$13,117 |
3.00% |
|
Rockport, TX (FHA|USDA|VA)
|
1
|
$735,000 |
$735,000 |
$14,433 |
2.88% |
|
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)
|
1
|
$705,000 |
$705,000 |
$13,935 |
2.75% |
|
Del Rio, TX (FHA|USDA|VA)
|
1
|
$525,000 |
$525,000 |
$13,803 |
2.50% |
|
MIDLAND, TX (FHA|USDA|VA)
|
1
|
$425,000 |
$425,000 |
$6,653 |
2.88% |
|
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)
|
1
|
$215,000 |
$215,000 |
$6,622 |
2.63% |
Texas Capital Bank's top markets include Austin, Dallas, Lakeland, Houston, and Edwards among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
64 |
$150,150,000 |
$2,346,094 |
$24,205 |
2.90% |
For the 2021 period, Texas Capital Bank's most frequently
originated loan type
of loans were Conventional, with 64 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
37 |
$114,755,000 |
$3,101,486 |
$28,673 |
2.94% |
| Refi |
18 |
$17,740,000 |
$985,556 |
$14,419 |
2.81% |
| Cash Out Refi |
9 |
$17,655,000 |
$1,961,667 |
$27,396 |
2.89% |
For the 2021, Texas Capital Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 37
originations.
The 2nd most popular reason of loans were Refi,
with 18 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
58 |
$97,430,000 |
$1,679,828 |
$23,855 |
2.91% |
| 30+ year |
3 |
$4,505,000 |
$1,501,667 |
$30,851 |
3.21% |
| 15 Year |
1 |
$335,000 |
$335,000 |
$0 |
3.75% |
| 5 Year |
1 |
$23,625,000 |
$23,625,000 |
$0 |
0.00% |
| Other |
1 |
$24,255,000 |
$24,255,000 |
$0 |
3.25% |
For the 2021, Texas Capital Bank's most frequently cited loan
length
of loans were 30 Year, with 58 originations.
The 2nd most popular length of loans were 30+ year,
with 3 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $5k+ |
41 |
$76,005,000 |
$1,853,780 |
| $1k-2k |
12 |
$21,740,000 |
$1,811,667 |
| $3k-4k |
5 |
$1,725,000 |
$345,000 |
| $<1k |
1 |
$845,000 |
$845,000 |
| $2k-3k |
1 |
$575,000 |
$575,000 |
$23,855 of loans were Texas Capital Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$5k+ bucket,
with 41 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 2.5-3% |
41 |
$45,345,000 |
$1,105,976 |
| 3-4% |
17 |
$59,945,000 |
$3,526,176 |
| <2.5% |
6 |
$44,860,000 |
$7,476,667 |
During 2021, Texas Capital Bank's average interest
rate of loans were 2.91%, while their
most frequently originated rate bucket of loans were 2.5-3%,
with 41 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $1MM+ |
33 |
$132,865,000 |
$4,026,212 |
$38,347 |
2.87% |
| $400k-600k |
12 |
$5,850,000 |
$487,500 |
$8,492 |
2.91% |
| $600k-1MM |
12 |
$9,150,000 |
$762,500 |
$12,930 |
2.85% |
| $200k-400k |
7 |
$2,285,000 |
$326,429 |
$7,474 |
3.09% |
2021 saw Texas Capital Bank place emphasis on
$1MM+ loans
with 33 originations, totaling
$132,865,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $250k+ |
43 |
$67,775,000 |
$1,576,163 |
$20,539 |
2.90% |
| $150k-250k |
12 |
$11,630,000 |
$969,167 |
$18,568 |
3.00% |
| $100k-150k |
2 |
$880,000 |
$440,000 |
$7,204 |
2.81% |
Texas Capital Bank lent most frequently to those with incomes in the
$250k+ range, with
43 originations.
The second most popular income band? $150k-250k,
with 12 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
11 |
$33,145,000 |
$3,013,182 |
$47,483 |
2.99% |
| 30-36% |
8 |
$10,840,000 |
$1,355,000 |
$18,168 |
2.89% |
| <20% |
6 |
$4,930,000 |
$821,667 |
$13,370 |
2.81% |
| 43% |
5 |
$4,685,000 |
$937,000 |
$13,633 |
3.05% |
| 37% |
4 |
$3,370,000 |
$842,500 |
$15,212 |
2.88% |
| >60% |
4 |
$13,750,000 |
$3,437,500 |
$38,242 |
2.97% |
| 50-60% |
3 |
$2,225,000 |
$741,667 |
$13,583 |
2.75% |
| 39% |
3 |
$1,665,000 |
$555,000 |
$10,327 |
2.75% |
| 36% |
2 |
$1,460,000 |
$730,000 |
$14,596 |
2.81% |
| 45% |
2 |
$2,310,000 |
$1,155,000 |
$19,165 |
3.13% |
| 46% |
2 |
$4,140,000 |
$2,070,000 |
$15,254 |
2.88% |
| 47% |
2 |
$8,780,000 |
$4,390,000 |
$31,832 |
2.69% |
| 38% |
2 |
$2,580,000 |
$1,290,000 |
$22,900 |
2.81% |
| 41% |
2 |
$2,120,000 |
$1,060,000 |
$14,217 |
3.06% |
| 48% |
1 |
$815,000 |
$815,000 |
$24,801 |
3.00% |
| 49% |
1 |
$1,405,000 |
$1,405,000 |
$36,477 |
3.38% |
| 44% |
1 |
$1,095,000 |
$1,095,000 |
$16,350 |
2.88% |
| 42% |
1 |
$1,575,000 |
$1,575,000 |
$37,167 |
3.38% |
Texas Capital Bank lent most frequently to those with DTI ratios
of 20-30%, with
11 originations.
The next most common DTI ratio? 30-36%,
with 8 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
47 |
$56,275,000 |
$1,197,340 |
$17,999 |
2.92% |
| Not applicable |
4 |
$49,260,000 |
$12,315,000 |
$0 |
2.49% |
| Not provided |
11 |
$42,345,000 |
$3,849,545 |
$51,724 |
2.94% |
| Asian |
2 |
$2,270,000 |
$1,135,000 |
$18,698 |
2.88% |
Approval Rates
Total approvals of all applications
99.97%
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 origination
82.35%
Texas Capital Bank has a below average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| NA |
64 |
$150,150,000 |
$2,346,094 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
64 |
$150,150,000 |
$2,346,094 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
5 |
$14,395,000 |
$2,879,000 |
$19,466 |
2.80% |
| 40-60% |
18 |
$76,310,000 |
$4,239,444 |
$28,093 |
2.75% |
| 60-80% |
37 |
$51,135,000 |
$1,382,027 |
$22,196 |
2.98% |
| 80-100% |
4 |
$8,310,000 |
$2,077,500 |
$32,159 |
2.91% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| TEXAS CAPITAL BANCSHARES, INC. |
Other type of mortgage |
Trouble during payment process |
1 |
100.0% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Texas Capital Bank, National Association |
2350 Lakeside Blvd, Suite 800 Richardson, TX 75082 |
Full Service Cyber Office
|
$213,344 |
| Texas Capital Bank, National Association |
300 Throckmorton Street, Suite 100 Fort Worth, TX 76102 |
Full Service B&M
|
$350,115 |
| Texas Capital Bank, National Association |
340 Singleton Boulevard Dallas, TX 75212 |
Full Service B&M
|
$22,945 |
| Texas Capital Bank, National Association |
4424 W Sam Houston Pkwy North, Suite 170 Houston, TX 77041 |
Full Service B&M
|
$840,366 |
| Texas Capital Bank, National Association |
5800 Granite Parkway, Suite 150 Plano, TX 75024 |
Full Service B&M
|
$709,501 |
| Texas Capital Bank, National Association |
7373 Broadway, Suite 100 San Antonio, TX 78209 |
Full Service B&M
|
$160,625 |
| Texas Capital Bank, National Association |
745 East Mulberry Avenue, Suite 150 San Antonio, TX 78212 |
Full Service B&M
|
$1,010,212 |
| Texas Capital Bank, National Association |
98 San Jacinto Blvd, Suite 150 Austin, TX 78701 |
Full Service B&M
|
$2,059,841 |
| Texas Capital Bank, National Association |
1330 Post Oak Blvd, Suite 100 Houston, TX 77056 |
Full Service B&M
|
$2,703,590 |
| Texas Capital Bank, National Association |
2000 Mckinney Ave, Suite 700 Dallas, TX 75201 |
Full Service B&M
|
$21,129,680 |
| Texas Capital Bank, National Association |
2350 Lakeside Blvd, Suite 105 Richardson, TX 75082 |
Full Service B&M
|
$83,076 |
For 2021, Texas Capital Bank had 11 branches.
Yearly Performance Overview
Bank Income
Texas Capital Bank's gross interest income from loans was $877,725,000.
Texas Capital Bank's net interest income from loans was $782,672,000.
Texas Capital Bank's fee based income from loans was $19,054,000.
Texas Capital Bank's net income from loans was $268,939,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$95,053 |
| Provision for credit losses |
$-30,000 |
| Total noninterest expense |
$571,092 |
| Salaries and employee benefits |
$349,477 |
| Premises and equipment expense |
$33,170 |
| Additional noninterest expense |
$188,445 |
| Applicable income taxes |
$88,479 |
| Net charge-offs |
$12,918 |
| Cash dividends |
$10,400 |
Texas Capital Bank's interest expense for loans was $95,053,000.
Texas Capital Bank's payroll and benefits expense were $349,477,000.
Texas Capital Bank's property, plant and equipment expenses $33,170,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$28,548,108 |
| Deposits held in domestic offices |
$28,548,108 |
| Deposits by Individuals, partnerships, and corporations |
$25,293,139 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$67,905 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$3,187,064 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$3,374,461 |
| Demand deposits |
$3,374,461 |
| Nontransaction accounts |
$25,173,647 |
| Money market deposit accounts (MMDAs) |
$22,333,960 |
| Other savings deposits (excluding MMDAs) |
$1,640,981 |
| Total time deposits |
$1,198,706 |
| Total time and savings deposits |
$25,173,647 |
| Noninterest-bearing deposits |
$13,829,113 |
| Interest-bearing deposits |
$14,718,995 |
| Retail deposits |
$26,124,836 |
| IRAs and Keogh plan accounts |
$2,341 |
| Brokered deposits |
$2,700,185 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$34,726,171 |
| Cash & Balances due from depository institutions |
$7,946,641 |
| Interest-bearing balances |
$7,765,996 |
| Total securities |
$3,583,808 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$22,603,211 |
| Loan and leases loss allowance |
$211,866 |
| Trading account assets |
$37,788 |
| Bank premises and fixed assets |
$76,232 |
| Other real estate owned |
$0 |
| Goodwill and other intangibles |
$18,774 |
| All other assets |
$459,717 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$34,726,171 |
| Total Liabilities |
$31,583,775 |
| Total deposits |
$28,548,108 |
| Interest-bearing deposits |
$14,718,995 |
| Deposits held in domestic offices |
$28,548,108 |
| % insured (estimated) |
$44 |
| Federal funds purchased and repurchase agreements |
$2,832 |
| Trading liabilities |
$37,788 |
| Other borrowed funds |
$2,470,746 |
| Subordinated debt |
$223,935 |
| All other liabilities |
$300,366 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$22,603,211 |
| Loan and leases loss allowance |
$211,866 |
| Total loans and leases (domestic) |
$22,815,077 |
| All real estate loans |
$4,768,444 |
| Real estate loans in domestic offices |
$4,768,444 |
| Construction and development loans |
$1,822,399 |
| Residential 1-4 family construction |
$508,594 |
| Other construction, all land development and other land |
$1,313,805 |
| Loans secured by nonfarm nonresidential properties |
$2,243,844 |
| Nonfarm nonresidential secured by owner-occupied properties |
$819,956 |
| Commercial real estate & other non-farm, non-residential |
$1,423,888 |
| Multifamily residential real estate |
$315,269 |
| 1-4 family residential loans |
$369,736 |
| Farmland loans |
$17,196 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$3,967 |
| Commercial and industrial loans |
$8,245,023 |
| To non-U.S. addressees |
$15,300 |
| Loans to individuals |
$256,163 |
| Credit card loans |
$0 |
| Related Plans |
$226,231 |
| Consumer Auto Loans |
$0 |
| Other loans to individuals |
$29,932 |
| All other loans & leases |
$9,610,869 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$9,500,372 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$1,044,506 |
| Loans secured by real estate to non-U.S. addressees |
$7,774 |
| Restructured Loans & leases |
$0 |
| Non 1-4 family restructured loans & leases |
$0 |
| Total loans and leases (foreign) |
$0 |
Texas Capital Bank had $22,603,211,000 of loans outstanding in 2021. $4,768,444,000 of loans were in real estate loans.
$1,822,399,000 of loans were in development loans. $315,269,000 of loans were in multifamily mortgage loans.
$369,736,000 of loans were in 1-4 family mortgage loans. $3,967,000 of loans were in farm loans. $0
of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
239 |
$94,343 |
$394,741 |
| Nonfarm, nonresidential loans - <$100k |
5 |
$341 |
$68,200 |
| Nonfarm, nonresidential loans - $100-250k |
37 |
$5,249 |
$141,865 |
| Nonfarm, nonresidential loans - $250k-1MM |
197 |
$88,753 |
$450,523 |
| Commercial & Industrial, US addressed loans - <$1MM |
44,690 |
$1,146,261 |
$25,649 |
| Commercial & Industrial, US addressed loans - <$100k |
40,207 |
$303,536 |
$7,549 |
| Commercial & Industrial, US addressed loans - $100-250k |
2,352 |
$207,527 |
$88,234 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
2,131 |
$635,198 |
$298,075 |
| Farmland loans - <$1MM |
3 |
$849 |
$283,000 |
| Farmland loans - $100-250k |
1 |
$114 |
$114,000 |
| Farmland loans - $250k-1MM |
2 |
$735 |
$367,500 |
| Agriculture operations loans - <$1MM |
1 |
$186 |
$186,000 |
| Agriculture operations loans - $100-250k |
1 |
$186 |
$186,000 |
