CapStar Bank mortgage approval rate & lending review
CapStar Bank decided 631 mortgage applications and funded 581 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions CapStar Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to oldnational.com.
CapStar Bank at a glance
Approval is 9.7 points above the 83.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 401 / 415 | 99% | $405K | 398 |
| Home improvement loans | 81% | 35 / 43 | 100% | $155K | 35 |
| Cash-out refinance | 76% | 42 / 55 | 100% | $195K | 42 |
| Refinance | 93% | 39 / 42 | 97% | $345K | 38 |
| Investment property purchase | 95% | 56 / 59 | 98% | $305K | 55 |
CapStar Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 93% | $405K | 584 | 538 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where CapStar Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Davidson County, TN | Mortgage lenders | 98% | 202 | 195 |
| Williamson County, TN | Mortgage lenders | 95% | 59 | 56 |
| Davidson County, TN | Investment property purchase | 87% | 23 | 20 |
The county markets where CapStar Bank made the most loans. Each link opens that market with every lender ranked.
Questions about CapStar Bank
What is CapStar Bank's mortgage approval rate?
CapStar Bank approved 92.9% of the 631 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.7 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan CapStar Bank offers?
Borrowers accepted 99% of the loans CapStar Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does CapStar Bank make?
The typical home purchase mortgage loan CapStar Bank made was $405K; across all loan types its typical loan ran from $155K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does CapStar Bank lend?
CapStar Bank decided applications in 14 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Alabama.
Can I apply to CapStar Bank directly?
Yes. CapStar Bank reports as a direct lender that takes applications from borrowers. Its website is oldnational.com.
Does this page show CapStar Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how CapStar Bank treats applications, then get a rate quote from the lender.