Capstar Lending Mortgage Rates, Fees & Info
DALLAS, TXLEI: 549300DT5WEC2I0L1E79
Tax ID: 74-2860772
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Mortgage Data
Review & Overview
Capstar Lending is a smaller mortgage company specializing in Home Purchase and Refi loans. Capstar Lending 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: Austin, Dallas, Houston, San Antonio, and Rockport among others. We have data for 19 markets. (Some data included below & more in-depth data is available with an active subscription.)Capstar Lending 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. Capstar Lending 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 about average 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.
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Originations
1,440Origination Dollar Volume (All Markets)
$467,450,000Awards
CAPSTAR LENDING - 2020
CAPSTAR LENDING is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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 |
|---|---|---|---|---|---|
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1,295 | $421,605,000 | $325,564 | $5,665 | 3.07% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 53 | $17,915,000 | $338,019 | $6,155 | 3.12% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 34 | $10,730,000 | $315,588 | $6,186 | 3.08% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 21 | $5,895,000 | $280,714 | $4,838 | 3.04% |
| Outside of Metro Areas | 9 | $3,165,000 | $351,667 | $6,126 | 2.90% |
| Rockport, TX (FHA|USDA|VA) | 3 | $1,505,000 | $501,667 | $5,173 | 2.96% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $5,319 | 3.23% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $4,721 | 3.29% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $995,000 | $199,000 | $4,871 | 3.08% |
| WACO, TX (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $4,181 | 3.83% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,615 | 3.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,662 | 3.63% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,904 | 2.50% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,352 | 2.63% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,151 | 2.88% |
| Athens, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,236 | 3.50% |
| TYLER, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,838 | 3.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,953 | 3.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,854 | 2.75% |
Similar Lenders
We use machine learning to identify the top lenders compared against CAPSTAR LENDING 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 | 1,406 | $457,190,000 | $325,171 | $5,557 | 3.07% |
| FHA | 26 | $7,540,000 | $290,000 | $10,587 | 3.08% |
| VA | 8 | $2,720,000 | $340,000 | $10,119 | 3.13% |
For 2020, Capstar Lending's most frequently originated type of loan was Conventional, with 1,406 originations. Their 2nd most popular type was FHA, with 26 originations.
Loan Reason
For 2020, Capstar Lending's most frequently cited loan purpose was Home Purchase, with 698 originations. The 2nd most popular reason was Refi, with 689 originations.
Loan Duration/Length
For 2020, Capstar Lending's most frequently cited loan duration was 30 Year, with 1,243 originations. The 2nd most popular length was 15 Year, with 141 originations.
Origination Fees/Closing Costs
Capstar Lending's average total fees were $5,812, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 666 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 696 | $230,530,000 | $331,221 |
| 3-4% | 580 | $187,460,000 | $323,207 |
| <2.5% | 127 | $41,055,000 | $323,268 |
| 4-5% | 37 | $8,405,000 | $227,162 |
During 2020, Capstar Lending's average interest rate for loans was 3.12%, while their most frequently originated rate bucket for loans was 2.5-3%, with 696 originations.
Loan Sizing
2020 saw Capstar Lending place emphasis on $200k-400k loans with 866 originations, totaling $256,660,000 in origination value.
Applicant Income
Capstar Lending lent most frequently to those with incomes in the $150k-250k range, with 432 originations. The second most popular income band? $100k-150k, with 422 originations.
Applicant Debt to Income Ratio
Capstar Lending lent most frequently to those with DTI ratios of 20-30%, with 436 originations. The next most common DTI ratio? 30-36%, with 283 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.40%
Capstar Lending has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination81.18%
Capstar Lending has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,440 | $467,450,000 | $324,618 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,440 | $467,450,000 | $324,618 |