Capstar Bank Mortgage Rates, Fees & Info

Nashville, TN

LEI: 549300CF5UDGUFHYM827

Tax ID: 26-0189349

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Mortgage Data

Bank Data

Review & Overview

Capstar Bank is a smaller bank specializing in Home Purchase and Refi loans. Capstar Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Nashville, Athens, Chattanooga, Cleveland, and Knoxville among others. We have data for 47 markets. (Some data included below & more in-depth data is available with an active subscription.)

Capstar Bank has an above average approval rate when compared to the average across all lenders. They have a below 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/24/24
30 Year Conventional Purchase 6.57% 3/24/24
30 Year Conventional Refi 6.51% 3/24/24
30 Year Cash-out Refi 6.71% 3/24/24
30 Year FHA Purchase 7.12% 3/24/24
30 Year FHA Refi 8.01% 3/24/24
30 Year VA Purchase 6.20% 3/24/24
30 Year VA Refi 6.45% 3/24/24
30 Year USDA Purchase 6.54% 3/24/24
15 Year Conventional Purchase 6.09% 3/24/24
15 Year Conventional Refi 6.33% 3/24/24
15 Year Cash-out Refi 6.33% 3/24/24
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

1,428

Origination Dollar Volume (All Markets)

$375,250,000

Employee count

289

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) 911 $278,655,000 $305,878 $0 0.00%
Athens, TN (FHA|USDA|VA) 175 $27,715,000 $158,371 $0 0.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 111 $23,085,000 $207,973 $0 0.00%
CLEVELAND, TN (FHA|USDA|VA) 69 $12,435,000 $180,217 $0 0.00%
Outside of Metro Areas 58 $9,760,000 $168,276 $0 0.00%
KNOXVILLE, TN (FHA|USDA|VA) 23 $5,425,000 $235,870 $0 0.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 10 $3,280,000 $328,000 $0 0.00%
Cookeville, TN (FHA|USDA|VA) 9 $1,545,000 $171,667 $0 0.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 7 $1,235,000 $176,429 $0 0.00%
Tullahoma-Manchester, TN (FHA|USDA|VA) 4 $930,000 $232,500 $0 0.00%
Sevierville, TN (FHA|USDA|VA) 4 $680,000 $170,000 $0 0.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $640,000 $320,000 $0 0.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $620,000 $310,000 $0 0.00%
PANAMA CITY, FL (FHA|USDA|VA) 2 $540,000 $270,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $510,000 $255,000 $0 0.00%
McMinnville, TN (FHA|USDA|VA) 4 $500,000 $125,000 $0 0.00%
LOUISVILLE, KY (FHA|USDA|VA) 2 $450,000 $225,000 $0 0.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $425,000 $425,000 $0 0.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $405,000 $405,000 $0 0.00%
RICHMOND, VA (FHA|USDA|VA) 1 $385,000 $385,000 $0 0.00%
Lewisburg, TN (FHA|USDA|VA) 2 $360,000 $180,000 $0 0.00%
Shelbyville, TN (FHA|USDA|VA) 2 $330,000 $165,000 $0 0.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $315,000 $315,000 $0 0.00%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $0 0.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $300,000 $150,000 $0 0.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $0 0.00%
STAUNTON, VA (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
MIDLAND, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 0.00%
Crossville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
ROCHESTER, MN (FHA|USDA|VA) 1 $255,000 $255,000 $0 0.00%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $225,000 $225,000 $0 0.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 0.00%
Dayton, TN (FHA|USDA|VA) 1 $205,000 $205,000 $0 0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 0.00%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
Warsaw, IN (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
Fort Payne, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
DALTON, GA (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
Lawrenceburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $0 0.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 0.00%
Oxford, MS (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $115,000 $115,000 $0 0.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $95,000 $95,000 $0 0.00%
Capstar Bank's top markets include Nashville, Athens, Chattanooga, Cleveland, and Knoxville among others.

Their top states include:
  • Tennessee (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Virginia (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.

    US COMMUNITY
    Similarity Rank: 64
    Trust Federal Credit Union
    Similarity Rank: 146
    ENRICHMENT
    Similarity Rank: 176
    Home Federal Bank of Tennessee
    Similarity Rank: 570
    Y-12 Federal Credit Union
    Similarity Rank: 585
    THE TENNESSEE CREDIT UNION
    Similarity Rank: 720
    Citizens Tri-County Bank
    Similarity Rank: 741
    KELLEY MORTGAGE, LLC
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    First Advantage Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,288 $335,480,000 $260,466 $0 0.00%
    VA 80 $24,550,000 $306,875 $0 0.00%
    FHA 60 $15,220,000 $253,667 $0 0.00%

    For 2019, Capstar Bank's most frequently originated type of loan was Conventional, with 1,288 originations. Their 2nd most popular type was VA, with 80 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 692 $195,270,000 $282,182 $0 0.00%
    Refi 391 $105,075,000 $268,734 $0 0.00%
    Cash Out Refi 309 $68,105,000 $220,405 $0 0.00%
    Other 19 $4,395,000 $231,316 $0 0.00%
    Home Improvement 17 $2,405,000 $141,471 $0 0.00%

    For 2019, Capstar Bank's most frequently cited loan purpose was Home Purchase, with 692 originations. The 2nd most popular reason was Refi, with 391 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,428 $375,250,000 $262,780 $0 0.00%

    For 2019, Capstar Bank's most frequently cited loan duration was Other, with 1,428 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 655 $186,485,000 $284,710 $0 0.00%
    $100k-200k 388 $58,820,000 $151,598 $0 0.00%
    $400k-600k 223 $102,865,000 $461,278 $0 0.00%
    $100,000 or less 146 $9,710,000 $66,507 $0 0.00%
    $600k-1MM 13 $9,415,000 $724,231 $0 0.00%
    $1MM+ 3 $7,955,000 $2,651,667 $0 0.00%

    2019 saw Capstar Bank place emphasis on $200k-400k loans with 655 originations, totaling $186,485,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 329 $68,585,000 $208,465 $0 0.00%
    $100k-150k 309 $94,795,000 $306,780 $0 0.00%
    $75k-100k 257 $66,565,000 $259,008 $0 0.00%
    $50k or less 209 $31,355,000 $150,024 $0 0.00%
    $150k-250k 173 $59,505,000 $343,960 $0 0.00%
    $250k+ 99 $35,355,000 $357,121 $0 0.00%

    Capstar Bank lent most frequently to those with incomes in the $50k-75k range, with 329 originations. The second most popular income band? $100k-150k, with 309 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 1,428 $375,250,000 $262,780 $0 0.00%

    Capstar Bank lent most frequently to those with DTI ratios of Exempt%, with 1,428 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,307 $342,385,000 $261,963 $0 0.00%
    Not applicable 21 $10,455,000 $497,857 $0 0.00%
    Black 44 $8,990,000 $204,318 $0 0.00%
    Not provided 38 $8,120,000 $213,684 $0 0.00%
    Asian 18 $5,300,000 $294,444 $0 0.00%

    Approval Rates

    Total approvals of all applications
    90.65%

    Capstar Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.40%

    Capstar Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 1,428 $375,250,000 $262,780

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $545,000 $545,000
    Multifamily:Site-Built 3 $7,685,000 $2,561,667
    Single Family (1-4 Units):Manufactured 3 $275,000 $91,667
    Single Family (1-4 Units):Site-Built 1,421 $366,745,000 $258,089

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    CapStar Bank 101 Springhouse Court Hendersonville, TN 37075 Full Service B&M $90,304
    CapStar Bank 106 Washington Avenue Nw Athens, TN 37303 Full Service B&M $197,726
    CapStar Bank 1103 Decatur Pike Athens, TN 37303 Full Service B&M $23,208
    CapStar Bank 1201 Demonbreun Street Suite 700 Nashville, TN 37203 Full Service B&M $910,939
    CapStar Bank 215 Warren Street Madisonville, TN 37354 Full Service B&M $41,577
    CapStar Bank 2321 Crestmoor Road Nashville, TN 37215 Full Service B&M $163,744
    CapStar Bank 3855 Ocoee St N Ste 100 Cleveland, TN 37312 Full Service B&M $32,614
    CapStar Bank 5120 Maryland Way Brentwood, TN 37027 Full Service B&M $105,448
    CapStar Bank 523 Tennessee Avenue Etowah, TN 37331 Full Service B&M $54,819
    CapStar Bank 705 East Broadway Lenoir City, TN 37771 Full Service B&M $16,695
    CapStar Bank 761 New Highway 68 Sweetwater, TN 37874 Full Service B&M $44,817
    CapStar Bank 885 Greenlea Boulevard Gallatin, TN 37066 Full Service B&M $49,901
    CapStar Bank 950 25th Street Nw Cleveland, TN 37311 Full Service B&M $4,930

    For 2019, Capstar Bank had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $91,547
    Net interest income $67,748
    Total noninterest income $24,374
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $3,135
    Trading account gains and fees $0
    Additional Noninterest Income $21,239
    Pre-tax net operating income $30,448
    Securities gains (or losses, -) $-99
    Income before extraordinary items $23,243
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,243
    Minority interest net income $0
    Net income $23,243
    Sale, conversion, retirement of capital stock, net $957
    Net operating income $23,321

    Capstar Bank's gross interest income from loans was $91,547,000.
    Capstar Bank's net interest income from loans was $67,748,000.
    Capstar Bank's fee based income from loans was $3,135,000.
    Capstar Bank's net income from loans was $23,243,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $23,799
    Provision for credit losses $761
    Total noninterest expense $60,913
    Salaries and employee benefits $34,933
    Premises and equipment expense $4,706
    Additional noninterest expense $21,274
    Applicable income taxes $7,106
    Net charge-offs $269
    Cash dividends $3,530

    Capstar Bank's interest expense for loans was $23,799,000.
    Capstar Bank's payroll and benefits expense were $34,933,000.
    Capstar Bank's property, plant and equipment expenses $4,706,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,742,310
    Deposits held in domestic offices $1,742,310
    Deposits by Individuals, partnerships, and corporations $1,268,249
    Deposits by U.S. Government $43
    Deposits by States and political subdivisions in the U.S. $148,625
    Deposits by Commercial banks and other depository institutions in U.S. $325,393
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $932,166
    Demand deposits $761,001
    Nontransaction accounts $810,144
    Money market deposit accounts (MMDAs) $457,643
    Other savings deposits (excluding MMDAs) $49,050
    Total time deposits $303,453
    Total time and savings deposits $981,309
    Noninterest-bearing deposits $324,955
    Interest-bearing deposits $1,417,355
    Retail deposits $1,582,414
    IRAs and Keogh plan accounts $19,721
    Brokered deposits $57,669
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,036,608
    Cash & Balances due from depository institutions $101,080
    Interest-bearing balances $83,368
    Total securities $216,442
    Federal funds sold & reverse repurchase $175
    Net loans and leases $1,575,720
    Loan and leases loss allowance $12,604
    Trading account assets $926
    Bank premises and fixed assets $30,622
    Other real estate owned $1,044
    Goodwill and other intangibles $45,937
    All other assets $64,662

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,036,608
    Total Liabilities $1,776,976
    Total deposits $1,742,310
    Interest-bearing deposits $1,417,355
    Deposits held in domestic offices $1,742,310
    % insured (estimated) $45
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $926
    Other borrowed funds $22,451
    Subordinated debt $0
    All other liabilities $11,289

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,575,720
    Loan and leases loss allowance $12,604
    Total loans and leases (domestic) $1,588,324
    All real estate loans $1,127,271
    Real estate loans in domestic offices $1,127,271
    Construction and development loans $143,111
    Residential 1-4 family construction $15,319
    Other construction, all land development and other land $127,792
    Loans secured by nonfarm nonresidential properties $648,400
    Nonfarm nonresidential secured by owner-occupied properties $172,456
    Commercial real estate & other non-farm, non-residential $475,944
    Multifamily residential real estate $45,299
    1-4 family residential loans $286,779
    Farmland loans $3,682
    Loans held in foreign offices $0
    Farm loans $423
    Commercial and industrial loans $394,408
    To non-U.S. addressees $0
    Loans to individuals $28,426
    Credit card loans $0
    Related Plans $10,852
    Consumer Auto Loans $4,693
    Other loans to individuals $12,881
    All other loans & leases $37,795
    Loans to foreign governments and official institutions $0
    Other loans $35,031
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $15,075
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,717
    Non 1-4 family restructured loans & leases $2,717
    Total loans and leases (foreign) $0

    CapStar Bank had $1,575,720,000 of loans outstanding in 2019. $1,127,271,000 of loans were in real estate loans. $143,111,000 of loans were in development loans. $45,299,000 of loans were in multifamily mortgage loans. $286,779,000 of loans were in 1-4 family mortgage loans. $423,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,693,000 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 297 $84,680 $285,118
    Nonfarm, nonresidential loans - <$100k 65 $2,305 $35,462
    Nonfarm, nonresidential loans - $100-250k 88 $10,079 $114,534
    Nonfarm, nonresidential loans - $250k-1MM 144 $72,296 $502,056
    Commercial & Industrial, US addressed loans - <$1MM 652 $67,337 $103,278
    Commercial & Industrial, US addressed loans - <$100k 336 $7,916 $23,560
    Commercial & Industrial, US addressed loans - $100-250k 153 $13,689 $89,471
    Commercial & Industrial, US addressed loans - $250k-1MM 163 $45,732 $280,564
    Farmland loans - <$1MM 16 $1,851 $115,688
    Farmland loans - <$100k 4 $131 $32,750
    Farmland loans - $100-250k 9 $1,168 $129,778
    Farmland loans - $250k-1MM 3 $552 $184,000
    Agriculture operations loans - <$1MM 9 $423 $47,000
    Agriculture operations loans - <$100k 8 $137 $17,125
    Agriculture operations loans - $250k-1MM 1 $286 $286,000