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City National Bank of Florida

Bank•Miami, FLHQ•Direct•Reviews near you on Google

We analyzed every closed loan from City National Bank of Florida — 654 loans across 970 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
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 8 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

City National Bank of Florida performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 45.9 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume475
Mix72.6%
Spread
-0.607%Below
Fees
$1,777Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume78
Mix11.9%
Spread
-0.046%Below
Fees
$2,770Fees
VA Loans
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume28
Mix4.3%
Spread
-0.651%Below
Fees
$611Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume73
Mix11.2%
Spread
+0.033%Above
Fees
$1,950Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume628
Mix96.0%
Spread
-0.465%Below
Fees
$1,914Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Strong
Pull Through
Acceptable
Volume26
Mix4.0%
Spread
-0.379%Below
Fees
$1,433Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
654
Applications
970
Volume
$287 million
Pricing & Closing
Avg Rate Spread
-0.459%
vs. market APOR
Avg Net Fees
$1,883
Origination − Credits
Pullthrough Rate
67.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$439,144
Avg Borrower Income
$217,606
Avg Property Value
$622,661

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
22
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

22
22 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast4
CTNYPARI
Midwest3
ILMOOH
South11
ALFLGALAMDMSNCSCTNTXVA
West4
AZCACOUT

Top Metro Areas by Place Specialization Score

1© Harry Somers from Miami, Florida, USA · CC BY 2.0
Fort Lauderdale, FLMetro
Volume 174Mix 26.61% of portfolio
78/100
Strong
2© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 96Mix 14.68% of portfolio
74/100
Strong
3© Venusetdilecti · CC BY-SA 4.0
Miami, FLMetro
Volume 108Mix 16.51% of portfolio
71/100
Strong
4© The Floridian Boricua · CC BY-SA 2.0
Orlando, FLMetro
Volume 104Mix 15.90% of portfolio
70/100
Strong
5© Ebyabe · CC BY-SA 3.0
Pensacola, FLMetro
Volume 29Mix 4.43% of portfolio
58/100
Sound
6© tonya cook · CC BY-SA 3.0
Daphne, ALMetro
Volume 23Mix 3.52% of portfolio
56/100
Sound
7© Ebyabe · CC BY-SA 3.0
Sebastian, FLMetro
Volume 11Mix 1.68% of portfolio
49/100
Sound
8© Butter142 · CC BY-SA 4.0
Lakeland, FLMetro
Volume 12Mix 1.83% of portfolio
44/100
Sound

Top States by Place Specialization Score

Florida
Florida
1
FloridaState
Volume 582Mix 88.99% of portfolio
78/100
Strong
Alabama
Alabama
2
AlabamaState
Volume 33Mix 5.05% of portfolio
53/100
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.