City National Bank Mortgage Rates, Fees & Info
Los Angeles, CALEI: 593C3GZG957YOJPS2Z63
Tax ID: 95-1780067
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Mortgage Data
Review & Overview
City National Bank is a small bank specializing in Home Purchase loans. City National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, New York, Riverside, Seattle, and San Diego among others. We have data for 94 markets. (Some data included below & more in-depth data is available with an active subscription.)City National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. City National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.33% | 4/5/25 |
| 30 Year Conventional Purchase | 6.34% | 4/5/25 |
| 30 Year Conventional Refi | 5.72% | 4/5/25 |
| 30 Year Cash-out Refi | 6.59% | 4/5/25 |
| 15 Year Conventional Purchase | 6.73% | 4/5/25 |
| 15 Year Conventional Refi | 6.00% | 4/5/25 |
| 15 Year Cash-out Refi | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
City National Bank Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from City National Bank. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,363Origination Dollar Volume (All Markets)
$1,437,505,000Awards
City National Bank - 2024
City National Bank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
City National Bank's average 30 year fixed mortgage rate was
6.92%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.37%.
Relative Fees (Closing Costs)
City National Bank's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,971.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 812 | $780,780,000 | $961,552 | $5,840 | 6.78% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 64 | $93,030,000 | $1,453,594 | $6,207 | 7.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 137 | $68,905,000 | $502,956 | $3,520 | 6.27% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $52,995,000 | $5,888,333 | $6,494 | 6.36% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 36 | $47,980,000 | $1,332,778 | $4,424 | 7.84% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 43 | $44,495,000 | $1,034,767 | $8,293 | 8.14% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $24,870,000 | $1,554,375 | $6,114 | 7.62% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $24,745,000 | $1,178,333 | $5,739 | 7.17% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 19 | $23,555,000 | $1,239,737 | $12,330 | 7.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $21,280,000 | $2,660,000 | $4,868 | 7.55% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 17 | $19,545,000 | $1,149,706 | $6,728 | 7.26% |
| Outside of Metro Areas | 22 | $19,000,000 | $863,636 | $7,947 | 7.56% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $13,930,000 | $2,321,667 | $14,166 | 7.48% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $12,530,000 | $2,088,333 | $7,564 | 7.16% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 11 | $11,365,000 | $1,033,182 | $9,257 | 7.47% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $10,550,000 | $1,758,333 | $8,253 | 6.84% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 8 | $10,320,000 | $1,290,000 | $7,847 | 7.19% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $9,155,000 | $1,831,000 | $7,111 | 6.68% |
| Key West, FL (FHA|USDA|VA) | 1 | $8,745,000 | $8,745,000 | $34,392 | 6.75% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $6,395,000 | $2,131,667 | $8,501 | 7.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $6,345,000 | $2,115,000 | $15,909 | 6.60% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $6,190,000 | $1,031,667 | $8,379 | 7.20% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $5,645,000 | $1,881,667 | $3,833 | 7.85% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $5,520,000 | $2,760,000 | $5,705 | 6.24% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $5,210,000 | $2,605,000 | $21,080 | 7.50% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $4,720,000 | $2,360,000 | $7,208 | 6.05% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $4,500,000 | $1,125,000 | $16,633 | 7.51% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $4,345,000 | $4,345,000 | $8,531 | 6.90% |
| Heber, UT (FHA|USDA|VA) | 3 | $4,255,000 | $1,418,333 | $7,009 | 7.54% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $4,030,000 | $1,007,500 | $11,044 | 7.89% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $3,960,000 | $990,000 | $10,440 | 6.36% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $3,825,000 | $3,825,000 | $15,112 | 6.30% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $3,580,000 | $895,000 | $6,379 | 7.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $23,249 | 7.55% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 2 | $3,490,000 | $1,745,000 | $8,089 | 5.99% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $3,150,000 | $1,575,000 | $5,953 | 6.83% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 4 | $3,000,000 | $750,000 | $8,760 | 6.68% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $2,975,000 | $2,975,000 | $8,920 | 7.30% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $2,955,000 | $2,955,000 | $13,129 | 6.25% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $2,885,000 | $2,885,000 | $11,251 | 6.55% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $2,580,000 | $1,290,000 | $0 | 9.54% |
| BEND, OR (FHA|USDA|VA) | 3 | $2,495,000 | $831,667 | $5,986 | 7.58% |
| Edwards, CO (FHA|USDA|VA) | 2 | $2,490,000 | $1,245,000 | $4,889 | 6.86% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 2 | $2,470,000 | $1,235,000 | $6,862 | 7.53% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $2,210,000 | $1,105,000 | $4,353 | 7.64% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $2,045,000 | $2,045,000 | $14,279 | 7.30% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $2,010,000 | $1,005,000 | $8,924 | 6.78% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $1,615,000 | $1,615,000 | $0 | 5.28% |
| Vineyard Haven, MA (FHA|USDA|VA) | 1 | $1,615,000 | $1,615,000 | $0 | 5.93% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $11,349 | 7.50% |
| AKRON, OH (FHA|USDA|VA) | 1 | $1,435,000 | $1,435,000 | $7,329 | 7.40% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $1,425,000 | $1,425,000 | $4,309 | 6.20% |
| Concord, NH (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $6,147 | 6.80% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $0 | 5.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $6,167 | 7.03% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $1,195,000 | $1,195,000 | $8,262 | 6.10% |
| Oxford, MS (FHA|USDA|VA) | 1 | $1,165,000 | $1,165,000 | $7,240 | 7.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $4,193 | 6.35% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $5,849 | 6.65% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $0 | 8.25% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $6,876 | 6.55% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $9,222 | 7.20% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $0 | 8.85% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $7,197 | 6.15% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $6,832 | 7.35% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $6,881 | 6.40% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $6,151 | 6.40% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $0 | 7.23% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 8.75% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 6.33% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $0 | 8.88% |
| Laconia, NH (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,335 | 6.40% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,788 | 6.10% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 8.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $6,698 | 8.05% |
| Boone, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 8.90% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,228 | 7.40% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $5,335 | 7.13% |
| Forest City, NC (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 9.23% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,781 | 6.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.85% |
| Durango, CO (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 8.80% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 9.60% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.15% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,045 | 6.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,486 | 7.70% |
| CARSON CITY, NV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,208 | 6.65% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,547 | 6.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.28% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 9.75% |
| REDDING, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.40% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.50% |
| Juneau, AK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 10.30% |
Similar Lenders
We use machine learning to identify the top lenders compared against City National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,026 | $1,144,200,000 | $1,115,205 | $5,980 | 6.25% |
| HELOC | 337 | $293,305,000 | $870,341 | n/a | 8.98% |
For 2024, City National Bank's most frequently originated type of loan was Conventional, with 1,026 originations. Their 2nd most popular type was HELOC, with 337 originations.
Loan Reason
For 2024, City National Bank's most frequently cited loan purpose was Home Purchase, with 896 originations. The 2nd most popular reason was Home Improvement, with 144 originations.
Loan Duration/Length
For 2024, City National Bank's most frequently cited loan duration was 30 Year, with 1,345 originations. The 2nd most popular length was 20 Year, with 5 originations.
Origination Fees/Closing Costs
City National Bank's average total fees were $5,971, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 447 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 505 | $606,745,000 | $1,201,475 |
| 5-6% | 403 | $353,345,000 | $876,787 |
| Over 8% | 329 | $247,305,000 | $751,687 |
| 7-8% | 126 | $230,110,000 | $1,826,270 |
During 2024, City National Bank's average interest rate for loans was 6.92%, while their most frequently originated rate bucket for loans was 6-7%, with 505 originations.
Loan Sizing
2024 saw City National Bank place emphasis on $600k-1MM loans with 384 originations, totaling $291,960,000 in origination value.
Applicant Income
City National Bank lent most frequently to those with incomes in the $250k+ range, with 505 originations. The second most popular income band? $150k-250k, with 345 originations.
Applicant Debt to Income Ratio
City National Bank lent most frequently to those with DTI ratios of 30-36%, with 212 originations. The next most common DTI ratio? 44%, with 181 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.23%
City National Bank has a below average approval rate.
Pick Rate
Approvals leading to origination61.48%
City National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,363 | $1,437,505,000 | $1,054,663 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,363 | $1,437,505,000 | $1,054,663 |