Capstar Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CF5UDGUFHYM827

Tax ID: 26-0189349

5 stars - Updated: 6/16/24 - out of 5 stars, based on 31 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Capstar Bank is a smaller bank specializing in Home Purchase loans. Capstar Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Nashville, Athens, Chattanooga, Knoxville, and Tullahoma among others. We have data for 52 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capstar Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Capstar Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

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.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 6/16/24
30 Year Conventional Purchase 6.57% 6/16/24
30 Year Conventional Refi 6.51% 6/16/24
30 Year Cash-out Refi 6.71% 6/16/24
30 Year FHA Purchase 7.12% 6/16/24
30 Year FHA Refi 8.01% 6/16/24
30 Year VA Purchase 6.20% 6/16/24
30 Year VA Refi 6.45% 6/16/24
30 Year USDA Purchase 6.54% 6/16/24
15 Year Conventional Purchase 6.09% 6/16/24
15 Year Conventional Refi 6.33% 6/16/24
15 Year Cash-out Refi 6.33% 6/16/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Capstar Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Capstar Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

980

Origination Dollar Volume (All Markets)

$292,170,000

Awards

CapStar Bank 30 Year Conventional Loans silver CapStar Bank 30 Year Conventional Loans bronze
Show all (2) awards

Relative Rate

Capstar Bank's average 30 year fixed mortgage rate was 6.69%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.21%.

Relative Fees (Closing Costs)

Capstar Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $5,611.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top 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
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 565 $201,815,000 $357,195 $6,087 7.15%
Athens, TN (FHA|USDA|VA) 100 $14,180,000 $141,800 $3,622 7.97%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 25 $10,965,000 $438,600 $4,384 7.33%
Outside of Metro Areas 71 $9,905,000 $139,507 $3,001 7.70%
KNOXVILLE, TN (FHA|USDA|VA) 19 $6,215,000 $327,105 $4,135 7.21%
Tullahoma-Manchester, TN (FHA|USDA|VA) 44 $5,780,000 $131,364 $2,994 7.89%
Lawrenceburg, TN (FHA|USDA|VA) 27 $4,725,000 $175,000 $3,696 8.02%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 15 $3,395,000 $226,333 $6,626 6.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $3,055,000 $611,000 $7,168 7.32%
ASHEVILLE, NC (FHA|USDA|VA) 4 $2,770,000 $692,500 $4,525 7.46%
CLEVELAND, TN (FHA|USDA|VA) 15 $2,545,000 $169,667 $3,474 7.68%
PANAMA CITY, FL (FHA|USDA|VA) 2 $1,970,000 $985,000 $5,493 6.28%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,880,000 $470,000 $4,844 6.59%
Paducah, KY-IL (FHA|USDA|VA) 11 $1,665,000 $151,364 $3,261 6.61%
Shelbyville, TN (FHA|USDA|VA) 6 $1,420,000 $236,667 $5,671 6.64%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $1,295,000 $431,667 $4,947 6.95%
Sevierville, TN (FHA|USDA|VA) 4 $1,190,000 $297,500 $12,184 7.81%
Lewisburg, TN (FHA|USDA|VA) 5 $1,135,000 $227,000 $8,132 6.59%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $1,100,000 $550,000 $11,249 6.50%
McMinnville, TN (FHA|USDA|VA) 7 $1,065,000 $152,143 $5,861 7.66%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $1,010,000 $505,000 $3,443 8.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $990,000 $495,000 $3,564 7.56%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $850,000 $425,000 $6,691 6.50%
MORRISTOWN, TN (FHA|USDA|VA) 2 $740,000 $370,000 $5,718 7.13%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $725,000 $725,000 $4,688 5.88%
BOWLING GREEN, KY (FHA|USDA|VA) 3 $705,000 $235,000 $6,969 6.99%
Oxford, MS (FHA|USDA|VA) 1 $685,000 $685,000 $5,332 6.50%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 4 $630,000 $157,500 $0 8.03%
JOHNSON CITY, TN (FHA|USDA|VA) 2 $620,000 $310,000 $3,703 7.19%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $575,000 $575,000 $4,041 6.50%
Brevard, NC (FHA|USDA|VA) 1 $505,000 $505,000 $0 11.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $485,000 $485,000 $3,857 7.50%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $475,000 $475,000 $0 7.25%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $460,000 $230,000 $0 6.57%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $455,000 $455,000 $5,274 6.63%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $425,000 $425,000 $4,173 6.63%
Murray, KY (FHA|USDA|VA) 2 $390,000 $195,000 $3,226 6.31%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $340,000 $170,000 $0 8.13%
Breckenridge, CO (FHA|USDA|VA) 1 $335,000 $335,000 $6,092 7.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $330,000 $165,000 $2,447 6.43%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,400 6.50%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,142 5.99%
OCALA, FL (FHA|USDA|VA) 1 $245,000 $245,000 $9,503 7.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $225,000 $225,000 $3,002 6.13%
Starkville, MS (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.63%
Cookeville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $3,567 6.25%
Mayfield, KY (FHA|USDA|VA) 1 $195,000 $195,000 $3,324 7.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,887 6.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $165,000 $165,000 $3,585 6.25%
Crossville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,537 6.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $115,000 $115,000 $4,333 6.49%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $65,000 $65,000 $3,827 5.63%
Capstar Bank's top markets include Nashville, Athens, Chattanooga, Knoxville, and Tullahoma among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against CapStar 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 619 $209,075,000 $337,763 $4,605 6.80%
    HELOC 282 $57,950,000 $205,496 n/a 8.72%
    FHA 51 $16,625,000 $325,980 $11,692 6.52%
    VA 22 $7,230,000 $328,636 $9,121 6.43%
    USDA 6 $1,290,000 $215,000 $6,557 6.10%

    For 2023, Capstar Bank's most frequently originated type of loan was Conventional, with 619 originations. Their 2nd most popular type was HELOC, with 282 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 524 $200,730,000 $383,073 $5,704 6.73%
    Other 197 $40,465,000 $205,406 $3,219 8.45%
    Refi 108 $23,500,000 $217,593 $3,422 7.67%
    Home Improvement 81 $10,935,000 $135,000 $2,051 8.58%
    Cash Out Refi 70 $16,540,000 $236,286 $6,323 6.68%

    For 2023, Capstar Bank's most frequently cited loan purpose was Home Purchase, with 524 originations. The 2nd most popular reason was Other, with 197 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 617 $216,095,000 $350,235 $5,611 6.69%
    10 Year 291 $57,305,000 $196,924 $890 8.70%
    15 Year 31 $5,645,000 $182,097 $2,703 7.14%
    5 Year 25 $9,515,000 $380,600 $0 6.98%
    1 Year 6 $2,250,000 $375,000 $4,685 8.25%
    Other 6 $690,000 $115,000 $772 7.79%
    20 Year 3 $545,000 $181,667 $2,781 6.88%
    30+ year 1 $125,000 $125,000 $6,358 4.75%

    For 2023, Capstar Bank's most frequently cited loan duration was 30 Year, with 617 originations. The 2nd most popular length was 10 Year, with 291 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 333 $115,525,000 $346,922
    $5k+ 76 $35,590,000 $468,289
    $2k-3k 68 $23,830,000 $350,441
    $<1k 58 $10,030,000 $172,931
    $3k-4k 40 $13,150,000 $328,750
    $4k-5k 34 $11,090,000 $326,176

    Capstar Bank's average total fees were $5,611, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 333 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 375 $129,315,000 $344,840
    7-8% 269 $89,395,000 $332,323
    Over 8% 231 $41,535,000 $179,805
    5-6% 101 $30,595,000 $302,921
    4-5% 4 $1,330,000 $332,500

    During 2023, Capstar Bank's average interest rate for loans was 6.69%, while their most frequently originated rate bucket for loans was 6-7%, with 375 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 350 $101,860,000 $291,029 $5,483 6.97%
    $100k-200k 216 $31,550,000 $146,065 $3,744 7.41%
    $100,000 or less 173 $9,775,000 $56,503 $1,855 8.33%
    $400k-600k 148 $70,960,000 $479,459 $6,802 6.99%
    $600k-1MM 80 $56,840,000 $710,500 $7,921 7.11%
    $1MM+ 13 $21,185,000 $1,629,615 $4,639 7.37%

    2023 saw Capstar Bank place emphasis on $200k-400k loans with 350 originations, totaling $101,860,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 212 $58,310,000 $275,047 $5,902 7.33%
    $150k-250k 207 $80,245,000 $387,657 $6,558 7.34%
    $50k-75k 158 $26,990,000 $170,823 $4,463 7.10%
    $75k-100k 147 $33,835,000 $230,170 $5,268 7.21%
    $250k+ 140 $72,540,000 $518,143 $5,346 7.66%
    $50k or less 86 $8,770,000 $101,977 $3,499 7.41%

    Capstar Bank lent most frequently to those with incomes in the $100k-150k range, with 212 originations. The second most popular income band? $150k-250k, with 207 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 216 $53,560,000 $247,963 $4,311 7.51%
    30-36% 165 $46,745,000 $283,303 $4,222 7.40%
    <20% 97 $18,475,000 $190,464 $3,117 7.76%
    40% 54 $14,670,000 $271,667 $6,165 7.69%
    39% 45 $14,705,000 $326,778 $5,352 7.64%
    44% 40 $13,120,000 $328,000 $6,364 6.93%
    38% 40 $14,300,000 $357,500 $5,273 7.47%
    42% 39 $14,525,000 $372,436 $7,191 6.88%
    37% 35 $13,135,000 $375,286 $5,447 7.44%
    36% 32 $10,900,000 $340,625 $5,045 7.28%
    43% 31 $11,355,000 $366,290 $5,428 6.81%
    45% 31 $11,875,000 $383,065 $6,603 7.01%
    41% 29 $9,415,000 $324,655 $6,964 6.93%
    50-60% 22 $7,450,000 $338,636 $9,098 6.77%
    49% 21 $7,545,000 $359,286 $8,395 6.37%
    46% 19 $5,945,000 $312,895 $5,616 6.76%
    47% 18 $6,380,000 $354,444 $7,395 6.83%
    48% 13 $4,995,000 $384,231 $5,432 6.49%
    >60% 4 $1,950,000 $487,500 $790 8.34%

    Capstar Bank lent most frequently to those with DTI ratios of 20-30%, with 216 originations. The next most common DTI ratio? 30-36%, with 165 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 840 $245,200,000 $291,905 $5,229 7.33%
    Not provided 54 $19,150,000 $354,630 $7,273 7.84%
    Asian 26 $10,030,000 $385,769 $5,585 6.83%
    Not applicable 19 $8,425,000 $443,421 $0 6.95%
    Black 30 $7,160,000 $238,667 $7,803 6.90%
    Asian Indian 4 $1,100,000 $275,000 $4,847 7.13%
    American Indian 3 $535,000 $178,333 $3,481 7.65%
    Vietnamese 2 $210,000 $105,000 $0 9.13%
    Chinese 1 $205,000 $205,000 $0 8.25%
    Filipino 1 $155,000 $155,000 $0 8.25%

    Approval Rates

    Total approvals of all applications
    89.63%

    Capstar Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.67%

    Capstar Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 980 $292,170,000 $298,133

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    980 $292,170,000 $298,133

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 186 $37,020,000 $199,032 $3,166 7.95%
    40-60% 148 $38,120,000 $257,568 $4,310 7.23%
    60-80% 240 $96,560,000 $402,333 $5,212 6.94%
    80-100% 278 $108,210,000 $389,245 $6,496 6.75%
    Over 100% 3 $1,545,000 $515,000 $20,918 6.13%
    Under 20% 125 $10,715,000 $85,720 $2,104 8.57%