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.
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Purchase
Superstar
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
4/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
475 loans · 0.61% below market
Sound
Top 60% of lenders
3/5
FHA
78 loans · 0.05% below market
Strong
Top 40% of lenders
4/5
VA
28 loans · 0.65% below market
Sound
Top 60% of lenders
3/5
Jumbo
73 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
628 loans · 0.47% below market
Strong
Top 40% of lenders
4/5
Refinance
26 loans · 0.38% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 475 | 72.6% | -0.607%Below | $1,777Fees | ||||
FHA Loans | 78 | 11.9% | -0.046%Below | $2,770Fees | ||||
VA Loans | 28 | 4.3% | -0.651%Below | $611Fees | ||||
Jumbo Loans | 73 | 11.2% | +0.033%Above | $1,950Fees |
Conventional
OverallStrong
ProductSound
PricingExceptional
Pull ThroughSound
Volume475
Mix72.6%
Spread
-0.607%Below
Fees
$1,777Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume78
Mix11.9%
Spread
-0.046%Below
Fees
$2,770Fees
VA Loans
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume28
Mix4.3%
Spread
-0.651%Below
Fees
$611Fees
Jumbo Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume73
Mix11.2%
Spread
+0.033%Above
Fees
$1,950Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 628 | 96.0% | -0.465%Below | $1,914Fees | ||||
Refinance | 26 | 4.0% | -0.379%Below | $1,433Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume628
Mix96.0%
Spread
-0.465%Below
Fees
$1,914Fees
Refinance
OverallSound
ProductAcceptable
PricingStrong
Pull ThroughAcceptable
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
22Full-year 2024 · HMDALoans originated
< 5050+None
Northeast4
CTNYPARI
Midwest3
ILMOOH
South11
ALFLGALAMDMSNCSCTNTXVA
West4
AZCACOUT
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(80%+ = 40-50 points)
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.