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City National Bank

Bank•Los Angeles, CAHQ•Direct•Reviews 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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
693 loans · 0.09% above market
Strong
Top 40% of lenders
4/5
Jumbo
125 loans · 0.14% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
734 loans · 0.01% above market
Strong
Top 40% of lenders
4/5
Refinance
84 loans · 0.24% below market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Near-National · 6 markets
Sound
Top 60% of lenders
3/5

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

31Full-year 2024 · HMDA
31 states with loan originations
Loans originated
< 2020+None
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
2© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 93Mix 11.37% of portfolio
71/100
Strong
3© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
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
5© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
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 the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.