# City National Bank of Florida

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


> **📋 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


City National Bank of Florida is a bank, headquartered in Miami, FL, serving borrowers across 22 states, with 654 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 23% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** GDN5JXQ4P5NZE28ZRC90
- **Headquarters:** Miami, FL
- **Geographic Reach:** Multi-Region
- **States Served:** 22
- **State List:** AL, AZ, CA, CO, CT, FL, GA, IL, LA, MD, MO, MS, NC, NY, OH, PA, RI, SC, TN, TX, UT, VA
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 77/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.459%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,883
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 654
- **Dollar Volume:** $287 million
- **Applications Received:** 970
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $439,144
- **Average Borrower Income:** $217,606
- **Average Property Value:** $622,661

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 475 | -0.607% | $1,777 | Sound ☺️ |
| FHA | 62/100 | 78 | -0.046% | $2,770 | Strong 😀 |
| VA | 60/100 | 28 | -0.651% | $611 | Sound ☺️ |
| Jumbo | 77/100 | 73 | +0.033% | $1,950 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 461 loans, Score: 60/100 (Sound)

**FHA:**
- Purchase: 74 loans, Score: 62/100 (Strong)

**VA:**
- Purchase: 28 loans, Score: 61/100 (Strong)

**Jumbo:**
- Purchase: 65 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 628 | $268M | -0.465% | Strong 😀 |
| Refinance | 37/100 | 26 | $19M | -0.379% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 582 | 0.20% | 78/100 |
| AL | 33 | 0.06% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Lauderdale | FL | 174 | 78/100 |
| Miami | FL | 108 | 71/100 |
| Orlando | FL | 104 | 70/100 |
| West Palm Beach | FL | 96 | 74/100 |
| Pensacola | FL | 29 | 58/100 |
| Daphne | AL | 23 | 56/100 |
| Non |  | 13 | 22/100 |
| Lakeland | FL | 12 | 44/100 |
| Sebastian | FL | 11 | 49/100 |

## Where This Lender Ranks

City National Bank of Florida appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Fort Lauderdale for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Miami for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Orlando for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in West Palm Beach for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Fort Lauderdale for FHA Loans
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Miami for FHA Loans
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in West Palm Beach for FHA Loans
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Pensacola for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Daphne for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/daphne/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Fort Lauderdale Banks
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/banks)
- 🏆 **#8** in Miami Banks
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/banks)
- 🏆 **#8** in Pensacola for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/banks/va-loans)
- 🏆 **#8** in Sebastian for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sebastian/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Fort Lauderdale for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Miami for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/miami/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in West Palm Beach Banks
  - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/banks)
- 🏆 **#10** in Orlando for FHA Loans
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/fha-loans)
- 🏆 **#11** in Fort Lauderdale for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/fort-lauderdale/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#11** in Orlando Banks
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/banks)
- 🏆 **#11** in Orlando for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/orlando/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does City National Bank of Florida offer?

City National Bank of Florida offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does City National Bank of Florida offer mortgages?

City National Bank of Florida offers mortgages in 22 states: AL, AZ, CA, CO, CT, FL, GA, IL, LA, MD, MO, MS, NC, NY, OH, PA, RI, SC, TN, TX, UT, VA.

### How competitive are City National Bank of Florida's mortgage rates?

City National Bank of Florida has a pricing score of 77/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.459% below market average.

### What type of lender is City National Bank of Florida?

City National Bank of Florida is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Miami, FL.

### What is City National Bank of Florida's loan approval success rate?

City National Bank of Florida has a pull-through score of 59/100 (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:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/city-national-bank-of-florida

### How to Cite

> "City National Bank of Florida Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/city-national-bank-of-florida

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