The City National Bank of Sulphur Springs in Texas vs the state
12.6%Denial rate-6.79 pts vs state
13.9%Decision denial rate-11.05 pts vs state
78.2%Origination rate+23.28 pts vs state
7.25%Median rate+0.75 pts vs state
0.69Rate spread (pts)+0.50 pts vs state
$106kMedian applicant income
340Loans originated
55Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 494 | 403 | 7.7% | 7.75% | #255 |
| 2024 | 429 | 320 | 10.7% | 7.75% | #269 |
| 2025 | 435 | 340 | 12.6% | 7.25% | #286 |
What The City National Bank of Sulphur Springs lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most The City National Bank of Sulphur Springs applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hopkins County | 139 | 105 | 21 | 15.1% |
| Wood County | 106 | 80 | 15 | 14.2% |
| Van Zandt County | 49 | 46 | 0 | 0.0% |
| Cass County | 20 | 15 | 2 | 10.0% |
| Rains County | 19 | 16 | 3 | 15.8% |
| Franklin County | 15 | 11 | 4 | 26.7% |
| Hunt County | 14 | 11 | 0 | 0.0% |
| Camp County | 12 | 10 | 1 | 8.3% |
| Smith County | 9 | 6 | 2 | 22.2% |
| Titus County | 8 | 7 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 435 applications in 2025, of which 340 were originated and 55 denied.
12.6% of all applications, or 13.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans The City National Bank of Sulphur Springs originated in Texas in 2025 was 7.25%, against a statewide median of 6.50%.
About this data. Figures are The City National Bank of Sulphur Springs's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology