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City National Bank
Bank|Los Angeles, CA|Near-National
Loans Originated
818
Applications
1,365
Volume
$606 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.001%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,267
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.9%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Report Card
City National Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Near-National · 6 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$740,856
Average Borrower Income
$339,539
Average Property Value
$1,002,922
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Strong | Sound | Sound | 693 | 84.7% | +0.085% | $2,764 |
Jumbo Loans | Strong | Strong | Strong | Sound | 125 | 15.3% | -0.138% | $1,478 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Sound | Sound | 734 | 89.7% | +0.005% | $2,284 |
Refinance | Acceptable | Sound | N/A | Acceptable | 84 | 10.3% | -0.244% | $1,550 |
Geographic Coverage
Metro Areas
5
States Served
31
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AZCACOCTDCDEFLGAHIIDILMAMDMIMSNCNHNJNMNVNYOKORPATNTXUTVAWAWIWY
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 444Mix: 54.28%
Place Specialization
Exceptional
2
Anaheim, CAMSA
Volume: 93Mix: 11.37%
Place Specialization
Strong
3
Riverside, CAMSA
Volume: 126Mix: 15.40%
Place Specialization
Strong
4
New York, NY-NJMSA
Volume: 24Mix: 2.93%
Place Specialization
Sound
5
San Diego, CAMSA
Volume: 11Mix: 1.34%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 699Mix: 85.45%
Place Specialization
Strong
2
NYState
Volume: 28Mix: 3.42%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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