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THE CITY NATIONAL BANK OF SULPHUR SPRINGS

SULPHUR SPRINGS, TX

THE CITY NATIONAL BANK OF SULPHUR SPRINGS processed 438 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 327 loans with a 10.5% denial rate. Home Purchase was the primary loan purpose. Based in SULPHUR SPRINGS, TX. The approval rate of 74.7% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. THE CITY NATIONAL BANK OF SULPHUR SPRINGS processed 438 HMDA-reported mortgage applications in 2024, originating 327 loans and denying 46 for a denial rate of 10.5% (applicants themselves withdrew 64 files before a decision). The average loan amount was $236,187 at a 7.876% average note rate, and applicants self-reported an average income of $36,000. The lender reports under LEI 254900M1AHTCIYKM7V90 from SULPHUR SPRINGS, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. THE CITY NATIONAL BANK OF SULPHUR SPRINGS's 74.7% origination rate tells you how often an application turned into funded money; the 10.5% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (438 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

438
Applications
327
Originated
10.5%
Denial Rate
$236,187
Avg Loan Amount
Avg Interest Rate: 7.876% Avg Applicant Income: $36,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 438 327 46 $236,187

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for THE CITY NATIONAL BANK OF SULPHUR SPRINGS (LEI: 254900M1AHTCIYKM7V90) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
21
Debt-to-income ratio
20
Other
9
Collateral
3
Unverifiable information
2
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 270 216 $287,000
Home Improvement 64 45 $111,875
Cash-out Refinancing 61 40 $218,279
Other 33 19 $136,515
Refinancing 10 7 $98,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 358 74.3% 10.1%
Black or African American 6 33.3% 50.0%
Joint 4 50.0% 25.0%
Asian 3 66.7% 33.3%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 298 73.8% 11.1%
Hispanic or Latino 41 68.3% 14.6%
Joint 16 87.5% 6.3%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare THE CITY NATIONAL BANK OF SULPHUR SPRINGS vs Nationstar Mortgage →

Mortgage Lending Guides

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Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

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Frequently Asked Questions

How many mortgage applications did THE CITY NATIONAL BANK OF SULPHUR SPRINGS process?
THE CITY NATIONAL BANK OF SULPHUR SPRINGS processed 438 mortgage applications in the 2023 HMDA reporting year. Of these, 327 were originated (approved and funded), 64 were withdrawn by the applicant, and 46 were denied.
What is THE CITY NATIONAL BANK OF SULPHUR SPRINGS's mortgage approval rate?
THE CITY NATIONAL BANK OF SULPHUR SPRINGS has an approval (origination) rate of 74.7%, meaning 74.7% of all applications resulted in a funded mortgage. The denial rate is 10.5%.
What is the average loan amount at THE CITY NATIONAL BANK OF SULPHUR SPRINGS?
The average mortgage loan amount at THE CITY NATIONAL BANK OF SULPHUR SPRINGS is $236,187. The average interest rate is 7.876%. The average applicant income is $36,000.
What are the most common reasons for mortgage denial at THE CITY NATIONAL BANK OF SULPHUR SPRINGS?
The most common reasons for mortgage denial at THE CITY NATIONAL BANK OF SULPHUR SPRINGS are: Credit history, Debt-to-income ratio, Other. In total, 46 applications were denied out of 438 total applications.
What types of mortgage loans does THE CITY NATIONAL BANK OF SULPHUR SPRINGS offer?
THE CITY NATIONAL BANK OF SULPHUR SPRINGS processes Conventional loans. The most common type is Conventional with 438 applications and an average loan amount of $236,187.
What loan purposes does THE CITY NATIONAL BANK OF SULPHUR SPRINGS serve?
THE CITY NATIONAL BANK OF SULPHUR SPRINGS serves the following loan purposes: Home Purchase (270 applications), Home Improvement (64 applications), Cash-out Refinancing (61 applications), Other (33 applications), Refinancing (10 applications). Home Purchase is the most common purpose.
Where is THE CITY NATIONAL BANK OF SULPHUR SPRINGS located?
THE CITY NATIONAL BANK OF SULPHUR SPRINGS is headquartered in SULPHUR SPRINGS, TX. The lender is identified by LEI 254900M1AHTCIYKM7V90 in HMDA data.
How does THE CITY NATIONAL BANK OF SULPHUR SPRINGS compare in lending across racial demographics?
THE CITY NATIONAL BANK OF SULPHUR SPRINGS reports demographic lending data under HMDA requirements. White applicants have an approval rate of 74.3% and denial rate of 10.1%; Black or African American applicants have an approval rate of 33.3% and denial rate of 50.0%; Joint applicants have an approval rate of 50.0% and denial rate of 25.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.