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City National Bank of Florida
Bank|Miami, FL|Multi-Region
Loans Originated
654
Applications
970
Volume
$287 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.459%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,883
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 45.90 basis points below market average
- Lower than average lender fees
- Particularly strong in FHA and Jumbo loans
Report Card
City National Bank of Florida performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 9 metro areas · 22 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$439,144
Average Borrower Income
$217,606
Average Property Value
$622,661
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Sound | Exceptional | Sound | 475 | 72.6% | -0.607% | $1,777 |
FHA Loans | Strong | Strong | Exceptional | Strong | 78 | 11.9% | -0.046% | $2,770 |
VA Loans | Strong | Sound | Exceptional | Strong | 28 | 4.3% | -0.651% | $611 |
Jumbo Loans | Sound | Strong | Sound | Sound | 73 | 11.2% | +0.033% | $1,950 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Sound | 628 | 96.0% | -0.465% | $1,914 |
Refinance | Sound | Acceptable | Strong | Acceptable | 26 | 4.0% | -0.379% | $1,433 |
Geographic Coverage
Metro Areas
8
States Served
22
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACOCTFLGAILLAMDMOMSNCNYOHPARISCTNTXUTVA
Top Metro Areas by Place Specialization Score
1
Fort Lauderdale, FLMSA
Volume: 174Mix: 26.61%
Place Specialization
Strong
2
West Palm Beach, FLMSA
Volume: 96Mix: 14.68%
Place Specialization
Strong
3
Miami, FLMSA
Volume: 108Mix: 16.51%
Place Specialization
Strong
4
Orlando, FLMSA
Volume: 104Mix: 15.90%
Place Specialization
Strong
5
Pensacola, FLMSA
Volume: 29Mix: 4.43%
Place Specialization
Sound
6
Daphne, ALMSA
Volume: 23Mix: 3.52%
Place Specialization
Sound
7
Sebastian, FLMSA
Volume: 11Mix: 1.68%
Place Specialization
Sound
8
Lakeland, FLMSA
Volume: 12Mix: 1.83%
Place Specialization
Sound
Top States by Place Specialization Score
1
FLState
Volume: 582Mix: 88.99%
Place Specialization
Strong
2
ALState
Volume: 33Mix: 5.05%
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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