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CNB

City National Bank

BankLos Angeles, CAHQDirectReviews near you on Google

We analyzed every closed loan from City National Bank 818 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 5 mkts
Safe Rate Awards
Jumbo Superstar
Jumbo
Superstar

Safe Rate Summary

What They Do Well

  • Particularly strong in Conventional and Jumbo loans
  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

City National Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 0.1 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume693
Mix84.7%
Spread
+0.085%Above
Fees
$2,764Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume125
Mix15.3%
Spread
-0.138%Below
Fees
$1,478Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume734
Mix89.7%
Spread
+0.005%Above
Fees
$2,284Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Pull Through
Acceptable
Volume84
Mix10.3%
Spread
-0.244%Below
Fees
$1,550Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
818
Applications
1,365
Volume
$606 million
Pricing & Closing
Avg Rate Spread
-0.001%
vs. market APOR
Avg Net Fees
$2,267
Origination − Credits
Pullthrough Rate
59.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$740,856
Avg Borrower Income
$339,539
Avg Property Value
$1,002,922

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

31
31 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMANHNJNYPA
Midwest3
ILMIWI
South11
DCDEFLGAMDMSNCOKTNTXVA
West11
AZCACOHIIDNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 444Mix 54.28% of portfolio
86/100
Exceptional
Volume 93Mix 11.37% of portfolio
71/100
Strong
Volume 126Mix 15.40% of portfolio
69/100
Strong
4© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 24Mix 2.93% of portfolio
49/100
Sound
Volume 11Mix 1.34% of portfolio
41/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 699Mix 85.45% of portfolio
78/100
Strong
New York
New York
2
New YorkState
Volume 28Mix 3.42% of portfolio
49/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.