Texas Capital Bank Mortgage Rates, Fees & Info
Dallas, TXLEI: 38PG5GG0OEQK4QMSKE59
Tax ID: 75-2695994
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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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: Philadelphia, Houston, North Port, San Antonio, and Dallas among others. We have data for 16 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.
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Originations
36Origination Dollar Volume (All Markets)
$361,950,000Top 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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $64,030,000 | $32,015,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 10 | $55,000,000 | $5,500,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $53,005,000 | $53,005,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 6 | $49,750,000 | $8,291,667 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $29,665,000 | $9,888,333 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $29,315,000 | $29,315,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $28,005,000 | $28,005,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $26,655,000 | $26,655,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $11,965,000 | $11,965,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $4,540,000 | $2,270,000 | $0 | 0.00% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $4,425,000 | $4,425,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $2,890,000 | $1,445,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $1,240,000 | $620,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $0 | 0.00% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 36 | $361,950,000 | $10,054,167 | $0 | 0.00% |
For 2024, Texas Capital Bank's most frequently originated type of loan was Conventional, with 36 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 32 | $356,920,000 | $11,153,750 | $0 | 0.00% |
| Cash Out Refi | 4 | $5,030,000 | $1,257,500 | $0 | 0.00% |
For 2024, Texas Capital Bank's most frequently cited loan purpose was Home Purchase, with 32 originations. The 2nd most popular reason was Cash Out Refi, with 4 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 36 | $361,950,000 | $10,054,167 | $0 | 0.00% |
For 2024, Texas Capital Bank's most frequently cited loan duration was Other, with 36 originations.
Loan Sizing
2024 saw Texas Capital Bank place emphasis on $1MM+ loans with 22 originations, totaling $354,190,000 in origination value.
Applicant Income
Texas Capital Bank lent most frequently to those with incomes in the $250k+ range, with 20 originations. The second most popular income band? $100k-150k, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 36 | $361,950,000 | $10,054,167 | $0 | 0.00% |
Texas Capital Bank lent most frequently to those with DTI ratios of Exempt%, with 36 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.86%
Texas Capital Bank has an average approval rate.
Pick Rate
Approvals leading to origination91.67%
Texas Capital Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 36 | $361,950,000 | $10,054,167 |