The City National Bank of Sulphur Springs
The City National Bank of Sulphur Springs received 439 applications in 2025 and made 343 mortgages, in 33 counties across 5 states. The median rate its borrowers got was 7.250% on a median loan of $175,000. Of 400 decisions, 55 were denials — 13.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900M1AHTCIYKM7V90 |
|---|---|
| Applications received | 439 |
| Mortgages made | 343 |
| Denied | 55 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.683 points |
| FDIC-insured bank | Yes: The City National Bank of Sulphur Springs, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 199 | 7.125% | $225,000 | 9.9% |
| Refinancing | 16 | 7.000% | $160,000 | 5.9% |
| Cash-out refinancing | 62 | 7.500% | $165,000 | 23.5% |
| Other purposes | 66 | 7.500% | $85,000 | 16.5% |
Where The City National Bank of Sulphur Springs lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hopkins County, TX | 105 | 7.500% | 16.5% |
| Wood County, TX | 80 | 7.125% | 15.6% |
| Van Zandt County, TX | 46 | 7.250% | 0.0% |
| Rains County, TX | 16 | 7.750% | 15.8% |
| Cass County, TX | 15 | 7.750% | 11.8% |
| Franklin County, TX | 11 | 7.250% | 26.7% |
| Hunt County, TX | 11 | 7.500% | 0.0% |
| Camp County, TX | 10 | 7.063% | 9.1% |
| Titus County, TX | 7 | Under 10 loans | 0.0% |
| Smith County, TX | 6 | Under 10 loans | 25.0% |
| Kaufman County, TX | 5 | Under 10 loans | 0.0% |
| Grayson County, TX | 3 | Under 10 loans | 0.0% |
| Gregg County, TX | 3 | Under 10 loans | 40.0% |
| Henderson County, TX | 3 | Under 10 loans | 0.0% |
| Morris County, TX | 3 | Under 10 loans | 40.0% |
| Upshur County, TX | 3 | Under 10 loans | 25.0% |
| Dallas County, TX | 2 | Under 10 loans | 0.0% |
| Lamar County, TX | 2 | Under 10 loans | 0.0% |
| Rockwall County, TX | 2 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
| Taos County, NM | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| Collin County, TX | 1 | Under 10 loans | 0.0% |
| Harrison County, TX | 1 | Under 10 loans | 0.0% |
| Kerr County, TX | 1 | Under 10 loans | 0.0% |
| Marion County, TX | 1 | Under 10 loans | 50.0% |
| Midland County, TX | 1 | Under 10 loans | 0.0% |
| Tarrant County, TX | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 0 | Under 10 loans | 100.0% |
| Hardin County, TX | 0 | Under 10 loans | Not published |
| Rusk County, TX | 0 | Under 10 loans | Not published |
| San Juan County, UT | 0 | Under 10 loans | Not published |
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When The City National Bank of Sulphur Springs’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.