Purchase Originations
120
Median Total Costs
$3,686
−44.8% vs national ($6,680)
↑ $174 vs prior year
Median Rate
7.000%
+7.9% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$500
Median Lender Credits
$68
Denial Rate
13.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 120 | 7.000% | $3,686 | $500 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,384 | 7.000% | — | 1 | −$1,302 | |
| 2 | $2,492 | 7.250% | — | 3 | −$1,194 | |
| 3 | $2,622 | 7.000% | — | 4 | −$1,064 | |
| 4 | $3,104 | 7.250% | — | 3 | −$582 | |
| 5 | $3,212 | 6.750% | — | 1 | −$474 | |
| 6 | $3,550 | 6.750% | — | 32 | −$136 | |
| 7 | $3,572 | 7.500% | — | 1 | −$114 | |
| 8 | $3,697 | 6.750% | — | 3 | +$11 | |
| 9 | $3,702 | 6.750% | — | 1 | +$16 | |
| 10 | $3,769 | 7.000% | — | 36 | +$83 | |
| 11 | $3,787 | 7.000% | — | 1 | +$101 | |
| 12 | $3,818 | 7.125% | — | 6 | +$132 | |
| 13 | $3,879 | 7.125% | — | 1 | +$193 | |
| 14 | $4,037 | 7.125% | — | 1 | +$351 | |
| 15 | $4,461 | 6.875% | — | 5 | +$775 | |
| 16 | $4,506 | 7.000% | — | 14 | +$820 | |
| 17 | $4,885 | 7.250% | — | 1 | +$1,199 | |
| 18 | $4,988 | 7.125% | — | 2 | +$1,302 | |
| 19 | $7,390 | 7.250% | — | 1 | +$3,704 | |
| 20 | $10,012 | 6.500% | — | 1 | +$6,326 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | The City National Bank of Sulphur Springs | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $3,686 | $7,127 | −$3,441 (−48.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.