# The City National Bank of Sulphur Springs

> **Canonical URL:** https://saferate.com/lenders/the-city-national-bank-of-sulphur-springs

> **📋 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

The City National Bank of Sulphur Springs is a bank, headquartered in Sulphur Springs, TX, serving borrowers across 2 states, with 177 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 51% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900M1AHTCIYKM7V90
- **Headquarters:** Sulphur Springs, TX
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** LA, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 40/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 49/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.306%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $689
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 177
- **Dollar Volume:** $49 million
- **Applications Received:** 236
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $277,316
- **Average Borrower Income:** $151,689

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 173 | +0.315% | $693 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 139 loans, Score: 35/100 (Acceptable)
- Refinance: 34 loans, Score: 38/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 142 | $42M | +0.255% | Acceptable 🙂 |
| Refinance | 35/100 | 35 | $7M | +0.484% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 176 | 0.05% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 156 | 67/100 |
| Dallas | TX | 13 | 45/100 |

## Frequently Asked Questions

### What loan types does The City National Bank of Sulphur Springs offer?

The City National Bank of Sulphur Springs offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The City National Bank of Sulphur Springs offer mortgages?

The City National Bank of Sulphur Springs offers mortgages in 2 states: LA, TX.

### How competitive are The City National Bank of Sulphur Springs's mortgage rates?

The City National Bank of Sulphur Springs has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.306% above market average.

### What type of lender is The City National Bank of Sulphur Springs?

The City National Bank of Sulphur Springs is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Sulphur Springs, TX.

### What is The City National Bank of Sulphur Springs's loan approval success rate?

The City National Bank of Sulphur Springs has a pull-through score of 49/100 (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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-city-national-bank-of-sulphur-springs

### How to Cite

> "The City National Bank of Sulphur Springs Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-city-national-bank-of-sulphur-springs

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