# CapStar Bank

> **Canonical URL:** https://saferate.com/lenders/capstar-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


CapStar Bank is a bank, headquartered in Nashville, TN, serving borrowers across 10 states, with 111 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300CF5UDGUFHYM827
- **Headquarters:** Nashville, TN
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AL, AZ, GA, IL, KY, MI, NC, OK, TN, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.244%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,737
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 111
- **Dollar Volume:** $48 million
- **Applications Received:** 144
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $428,604
- **Average Borrower Income:** $169,532
- **Average Property Value:** $593,739

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 86 | +0.203% | $1,607 | Acceptable 🙂 |
| FHA | 51/100 | 15 | +0.545% | $1,923 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 74 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 94 | $43M | +0.224% | Acceptable 🙂 |
| Refinance | 26/100 | 17 | $5M | +0.353% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 97 | 0.11% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nashville | TN | 70 | 71/100 |
| Non |  | 22 | 37/100 |

## Where This Lender Ranks

CapStar Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Nashville for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/va-loans)
- 🏆 **#18** in Nashville for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does CapStar Bank offer?

CapStar Bank offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does CapStar Bank offer mortgages?

CapStar Bank offers mortgages in 10 states: AL, AZ, GA, IL, KY, MI, NC, OK, TN, VA.

### How competitive are CapStar Bank's mortgage rates?

CapStar Bank has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.244% above market average.

### What type of lender is CapStar Bank?

CapStar Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Nashville, TN.

### What is CapStar Bank's loan approval success rate?

CapStar Bank has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/capstar-bank

### How to Cite

> "CapStar Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/capstar-bank

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