# City National Bank

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


> **📋 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 is a bank, headquartered in Los Angeles, CA, serving borrowers across 31 states, with 818 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 593C3GZG957YOJPS2Z63
- **Headquarters:** Los Angeles, CA
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, MA, MD, MI, MS, NC, NH, NJ, NM, NV, NY, OK, OR, PA, TN, TX, UT, VA, WA, WI, WY
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.001%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,267
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 818
- **Dollar Volume:** $606 million
- **Applications Received:** 1,365
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $740,856
- **Average Borrower Income:** $339,539
- **Average Property Value:** $1,002,922

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 61/100 | 693 | +0.085% | $2,764 | Strong 😀 |
| Jumbo | 78/100 | 125 | -0.138% | $1,478 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 617 loans, Score: 63/100 (Strong)
- Refinance: 76 loans, Score: 53/100 (Sound)

**Jumbo:**
- Purchase: 117 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 734 | $550M | +0.005% | Strong 😀 |
| Refinance | 51/100 | 84 | $56M | -0.244% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 699 | 0.25% | 78/100 |
| NY | 28 | 0.02% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 444 | 86/100 |
| Riverside | CA | 126 | 69/100 |
| Anaheim | CA | 93 | 71/100 |
| New York | NY-NJ | 24 | 49/100 |
| Non |  | 12 | 21/100 |
| San Diego | CA | 11 | 41/100 |

## Where This Lender Ranks

City National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Riverside Banks
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/banks)
- 🏆 **#8** in Riverside for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/riverside/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Los Angeles for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#11** in Anaheim for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Los Angeles Banks
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/banks)
- 🏆 **#12** in Anaheim Banks
  - [View Full Rankings](https://saferate.com/anaheim/best-mortgage-lenders/banks)
- 🏆 **#13** in California for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#13** in Los Angeles for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in California Banks
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/banks)
- 🏆 **#14** in California for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#18** in Los Angeles for Jumbo Loans
  - [View Full Rankings](https://saferate.com/los-angeles/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

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

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

### Where does City National Bank offer mortgages?

City National Bank offers mortgages in 31 states: AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, MA, MD, MI, MS, NC, NH, NJ, NM, NV, NY, OK, OR, PA, TN, TX, UT, VA, WA, WI, WY.

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

City National Bank has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.001% below market average.

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

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

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

City National Bank has a pull-through score of 54/100 (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

### How to Cite

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

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