The City National Bank Of Sulphur Springs Mortgage Rates, Fees & InfoSulphur Springs, TX
Tax ID: 75-0191733
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewThe City National Bank Of Sulphur Springs is a smaller bank specializing in loans. The City National Bank Of Sulphur Springs has a high proportion of conventional loans. Their top markets by origination volume include: Sulphur Springs, Dallas, Bonham, Athens, and Longview among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)
The City National Bank Of Sulphur Springs has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The City National Bank Of Sulphur Springs is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.93%||3/28/23|
|30 Year Conventional Refi||6.84%||3/28/23|
|30 Year Cash-out Refi||7.27%||3/28/23|
|15 Year Conventional Purchase||6.82%||3/28/23|
|15 Year Conventional Refi||6.30%||3/28/23|
|15 Year Cash-out Refi||6.30%||3/28/23|
|These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.|
Origination Dollar Volume (All Markets)$145,810,000
The City National Bank Of Sulphur Springs's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.56%.
Relative Fees (Closing Costs)
The City National Bank Of Sulphur Springs's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,565.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
|Market||Originations||Total Value||Average Loan||Average Fees||Average Rate|
|Outside of Metro Areas||284||$65,450,000||$230,458||$3,081||5.52%|
|Sulphur Springs, TX (FHA|USDA|VA)||151||$31,175,000||$206,457||$3,345||5.33%|
|Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)||55||$15,715,000||$285,727||$4,162||5.20%|
|Bonham, TX (FHA|USDA|VA)||2||$8,360,000||$4,180,000||$2,762||6.10%|
|Athens, TX (FHA|USDA|VA)||4||$7,660,000||$1,915,000||$3,225||5.44%|
|LONGVIEW, TX (FHA|USDA|VA)||29||$4,365,000||$150,517||$3,023||5.61%|
|Mount Pleasant, TX (FHA|USDA|VA)||30||$3,780,000||$126,000||$2,816||5.90%|
|TEXARKANA, TX-AR (FHA|USDA|VA)||16||$2,920,000||$182,500||$3,404||5.45%|
|TYLER, TX (FHA|USDA|VA)||10||$2,880,000||$288,000||$5,399||5.64%|
|SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA)||2||$1,020,000||$510,000||$4,279||4.25%|
|SHERMAN-DENISON, TX (FHA|USDA|VA)||2||$860,000||$430,000||$7,134||5.00%|
|HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)||2||$550,000||$275,000||$0||5.13%|
|LAREDO, TX (FHA|USDA|VA)||1||$315,000||$315,000||$3,721||6.88%|
|Nacogdoches, TX (FHA|USDA|VA)||2||$250,000||$125,000||$0||5.38%|
|AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)||1||$205,000||$205,000||$3,909||4.25%|
|COLLEGE STATION-BRYAN, TX (FHA|USDA|VA)||1||$115,000||$115,000||$0||5.75%|
|Paris, TX (FHA|USDA|VA)||1||$115,000||$115,000||$3,666||4.50%|
|KILLEEN-TEMPLE, TX (FHA|USDA|VA)||1||$75,000||$75,000||$0||4.95%|
We use machine learning to identify the top lenders compared against The City National Bank of Sulphur Springs based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, The City National Bank Of Sulphur Springs's most frequently originated type of loan was Conventional, with 594 originations.
For 2022, The City National Bank Of Sulphur Springs's most frequently cited loan purpose was Home Purchase, with 375 originations. The 2nd most popular reason was Cash Out Refi, with 107 originations.
For 2022, The City National Bank Of Sulphur Springs's most frequently cited loan duration was 30 Year, with 307 originations. The 2nd most popular length was 20 Year, with 105 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
The City National Bank Of Sulphur Springs's average total fees were $3,565, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 365 originations.
During 2022, The City National Bank Of Sulphur Springs's average interest rate for loans was 5.32%, while their most frequently originated rate bucket for loans was 5-6%, with 184 originations.
2022 saw The City National Bank Of Sulphur Springs place emphasis on $200k-400k loans with 185 originations, totaling $50,905,000 in origination value.
The City National Bank Of Sulphur Springs lent most frequently to those with incomes in the $100k-150k range, with 117 originations. The second most popular income band? $150k-250k, with 106 originations.
Applicant Debt to Income Ratio
The City National Bank Of Sulphur Springs lent most frequently to those with DTI ratios of 20-30%, with 126 originations. The next most common DTI ratio? 30-36%, with 105 originations.
Approval RatesTotal approvals of all applications
The City National Bank Of Sulphur Springs has an average approval rate.
Pick RateApprovals leading to origination
The City National Bank Of Sulphur Springs has an average pick rate.
Points and Fees
|Points||Originations||Total Value||Average Loan|