Largest lenders in Hopkins County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The City National Bank of Sulphur Springs | C | 139 | 105 | 15.1% | 7.50% |
| 2 | 21st Mortgage | F | 110 | 24 | 32.7% | 9.46% |
| 3 | Alliance Bank | D | 79 | 42 | 21.5% | — |
| 4 | Vanderbilt Mortgage and Finance | F | 74 | 10 | 36.5% | 9.25% |
| 5 | Triad Financial Services | D | 64 | 14 | 42.2% | 9.68% |
| 6 | Rocket Mortgage | C | 45 | 34 | 13.3% | 6.88% |
| 7 | Nations Lending | B | 41 | 37 | 2.4% | 6.75% |
| 8 | Mortgage Research Center | C | 35 | 16 | 28.6% | 6.25% |
| 9 | United Shore Financial Services | B | 33 | 18 | 15.2% | 6.31% |
| 10 | Newrez | D | 30 | 19 | 10.0% | 6.49% |
| 11 | Credit Union of Texas | C | 27 | 16 | 33.3% | 7.60% |
| 12 | Guaranty Bank & Trust | B | 24 | 17 | 12.5% | 6.99% |
| 13 | Southwest Stage Funding | F | 23 | 11 | 13.0% | 8.20% |
| 14 | Guild Mortgage | A | 22 | 17 | 0.0% | 6.38% |
| 15 | First National Bank of East Texas | C | 22 | 15 | 9.1% | — |
| 16 | Pennymac Loan Services | C | 21 | 14 | 14.3% | 6.38% |
| 17 | Texas Heritage National Bank | – | 17 | 14 | 0.0% | — |
| 18 | FirstBank | C | 14 | 1 | 85.7% | 10.49% |
| 19 | Red River Employees Federal Credit Union | C | 14 | 8 | 21.4% | — |
| 20 | Broker Solutions | D | 13 | 2 | 30.8% | 6.87% |
| 21 | Loandepot.Com | D | 13 | 9 | 15.4% | 6.63% |
| 22 | Ark-La-Tex Financial Services, LLC. | A | 13 | 9 | 0.0% | 6.50% |
| 23 | Spring Eq | D | 12 | 0 | 66.7% | — |
| 24 | Sofi Bank | D | 10 | 1 | 0.0% | 6.38% |
| 25 | Crosscountry Mortgage | B | 9 | 4 | 0.0% | 7.10% |
Best approval odds in Hopkins County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The City National Bank of Sulphur Springs | 127 | 16.5% |
| 2 | Alliance Bank | 72 | 23.6% |
| 3 | Triad Financial Services | 64 | 42.2% |
| 4 | 21st Mortgage | 66 | 54.6% |
What Hopkins County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hopkins County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,053 | 546 | 22.9% | 7.37% | $175,000 |
| 2024 | 1,066 | 512 | 24.9% | 7.13% | $175,000 |
| 2025 | 1,251 | 632 | 21.2% | 6.88% | $175,000 |
Frequently asked questions
21.2% of applications in Hopkins County were denied in 2025, against 19.4% statewide in Texas.
The City National Bank of Sulphur Springs, with 139 applications in 2025 and a denial rate of 15.1%.
The median mortgage application in Hopkins County in 2025 was for $175,000; the median property value on originated loans was $285,000.