City National Bank Mortgage Rates, Fees & Info

Los Angeles, CA

LEI: 593C3GZG957YOJPS2Z63

Tax ID: 95-1780067

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Bank Data

Review & Overview

City National Bank is a mid-sized bank specializing in Home Purchase and Refi loans. City National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, New York, San Francisco, San Diego, and Riverside among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)

City National Bank has an above 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 an average 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 3.89% 3/28/24
30 Year Conventional Purchase 6.12% 3/28/24
30 Year Conventional Refi 6.28% 3/28/24
30 Year Cash-out Refi 6.30% 3/28/24
15 Year Conventional Purchase 5.50% 3/28/24
15 Year Conventional Refi 5.76% 3/28/24
15 Year Cash-out Refi 5.76% 3/28/24
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

3,256

Origination Dollar Volume (All Markets)

$3,369,210,000

Employee count

4,911 Show all (21) awards

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) 1,693 $1,865,455,000 $1,101,864 $6,670 3.81%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 236 $331,220,000 $1,403,475 $7,517 3.86%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 253 $201,445,000 $796,225 $4,598 3.84%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 113 $189,265,000 $1,674,912 $4,741 3.86%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 71 $97,835,000 $1,377,958 $4,930 3.95%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 101 $72,305,000 $715,891 $5,450 3.90%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 36 $56,860,000 $1,579,444 $8,853 3.87%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 62 $53,430,000 $861,774 $3,768 4.09%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 72 $38,450,000 $534,028 $3,136 3.99%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 17 $37,895,000 $2,229,118 $10,993 3.91%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 39 $36,465,000 $935,000 $5,176 3.88%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 37 $29,035,000 $784,730 $5,290 3.89%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 22 $25,070,000 $1,139,545 $6,586 3.96%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 17 $19,505,000 $1,147,353 $7,515 3.94%
Outside of Metro Areas 19 $18,145,000 $955,000 $5,236 4.15%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 18 $15,130,000 $840,556 $4,713 4.10%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 10 $14,540,000 $1,454,000 $7,392 3.88%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 22 $14,140,000 $642,727 $5,056 4.13%
Heber, UT (FHA|USDA|VA) 11 $13,815,000 $1,255,909 $4,645 3.93%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $13,170,000 $658,500 $3,800 3.84%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 41 $11,525,000 $281,098 $3,353 3.93%
RENO, NV (FHA|USDA|VA) 23 $10,855,000 $471,957 $4,558 4.01%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $9,715,000 $647,667 $5,005 3.84%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 17 $8,755,000 $515,000 $3,415 3.92%
Edwards, CO (FHA|USDA|VA) 3 $7,285,000 $2,428,333 $5,736 4.01%
SALINAS, CA (FHA|USDA|VA) 5 $7,165,000 $1,433,000 $5,083 4.19%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $6,455,000 $717,222 $4,979 3.73%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $6,235,000 $1,247,000 $6,944 4.22%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $5,935,000 $847,857 $6,746 4.05%
Glenwood Springs, CO (FHA|USDA|VA) 3 $5,915,000 $1,971,667 $6,813 3.93%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $5,805,000 $829,286 $7,308 4.21%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 7 $5,655,000 $807,857 $4,448 3.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $5,635,000 $626,111 $4,623 4.17%
Vineyard Haven, MA (FHA|USDA|VA) 3 $5,365,000 $1,788,333 $6,431 3.88%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $5,260,000 $526,000 $4,170 3.90%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $5,115,000 $1,705,000 $6,208 4.02%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $4,725,000 $1,575,000 $7,827 3.82%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $4,550,000 $379,167 $5,483 3.88%
Hilo, HI (FHA|USDA|VA) 5 $4,505,000 $901,000 $5,497 3.68%
FRESNO, CA (FHA|USDA|VA) 1 $4,225,000 $4,225,000 $0 4.55%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $3,880,000 $485,000 $5,632 3.63%
Gardnerville Ranchos, NV (FHA|USDA|VA) 13 $3,775,000 $290,385 $3,779 4.10%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $3,690,000 $461,250 $6,065 3.92%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $3,465,000 $495,000 $4,991 4.15%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $3,320,000 $830,000 $3,493 4.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $3,260,000 $815,000 $4,292 4.03%
Torrington, CT (FHA|USDA|VA) 5 $3,025,000 $605,000 $7,971 3.66%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $2,985,000 $597,000 $3,448 3.84%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $2,930,000 $488,333 $5,836 4.37%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $2,720,000 $1,360,000 $5,802 3.62%
Kapaa, HI (FHA|USDA|VA) 3 $2,635,000 $878,333 $0 3.41%
Hudson, NY (FHA|USDA|VA) 2 $2,610,000 $1,305,000 $7,384 4.25%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $2,535,000 $845,000 $4,948 3.58%
Hailey, ID (FHA|USDA|VA) 3 $2,315,000 $771,667 $4,687 4.22%
NAPA, CA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $4,619 3.83%
CARSON CITY, NV (FHA|USDA|VA) 7 $2,005,000 $286,429 $3,616 4.24%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,860,000 $465,000 $4,404 4.16%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $1,690,000 $422,500 $4,672 4.19%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,665,000 $555,000 $3,546 3.66%
RICHMOND, VA (FHA|USDA|VA) 2 $1,560,000 $780,000 $4,358 4.06%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $1,460,000 $730,000 $7,280 3.78%
KNOXVILLE, TN (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $7,327 3.75%
KINGSTON, NY (FHA|USDA|VA) 4 $1,400,000 $350,000 $5,631 3.89%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,330,000 $332,500 $3,292 4.95%
MADISON, WI (FHA|USDA|VA) 2 $1,310,000 $655,000 $3,399 4.04%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $1,295,000 $1,295,000 $6,601 4.30%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $1,160,000 $580,000 $3,945 4.06%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,120,000 $560,000 $3,387 3.69%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 4.50%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,581 4.56%
BEND, OR (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,673 4.69%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $4,164 4.28%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 3 $945,000 $315,000 $4,660 4.17%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $945,000 $315,000 $4,841 4.17%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $930,000 $465,000 $4,146 4.35%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $845,000 $845,000 $4,843 4.00%
Olean, NY (FHA|USDA|VA) 1 $805,000 $805,000 $0 2.99%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $790,000 $395,000 $3,917 4.28%
Easton, MD (FHA|USDA|VA) 1 $785,000 $785,000 $3,673 3.72%
NEW BERN, NC (FHA|USDA|VA) 1 $775,000 $775,000 $3,848 3.63%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $750,000 $375,000 $6,240 4.22%
Key West, FL (FHA|USDA|VA) 1 $745,000 $745,000 $8,343 4.13%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $705,000 $705,000 $0 2.99%
Jackson, WY-ID (FHA|USDA|VA) 1 $665,000 $665,000 $3,963 3.38%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $660,000 $330,000 $0 3.12%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $645,000 $645,000 $3,261 3.95%
STOCKTON, CA (FHA|USDA|VA) 2 $640,000 $320,000 $2,686 3.76%
SAVANNAH, GA (FHA|USDA|VA) 1 $635,000 $635,000 $4,352 4.30%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $605,000 $605,000 $5,815 4.00%
Durango, CO (FHA|USDA|VA) 2 $600,000 $300,000 $3,036 4.50%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $585,000 $585,000 $0 2.99%
BELLINGHAM, WA (FHA|USDA|VA) 1 $585,000 $585,000 $2,802 3.88%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $545,000 $181,667 $4,587 3.79%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $545,000 $181,667 $2,591 3.93%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $505,000 $505,000 $5,107 3.92%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $505,000 $505,000 $5,343 3.25%
Fernley, NV (FHA|USDA|VA) 2 $460,000 $230,000 $0 4.12%
TUCSON, AZ (FHA|USDA|VA) 1 $435,000 $435,000 $4,478 4.25%
Kalispell, MT (FHA|USDA|VA) 1 $425,000 $425,000 $4,550 4.39%
DOTHAN, AL (FHA|USDA|VA) 1 $415,000 $415,000 $3,138 4.37%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.49%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $390,000 $195,000 $3,286 4.25%
Breckenridge, CO (FHA|USDA|VA) 1 $375,000 $375,000 $2,294 4.63%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $355,000 $355,000 $4,836 4.20%
PITTSBURGH, PA (FHA|USDA|VA) 1 $345,000 $345,000 $4,708 4.00%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $345,000 $345,000 $3,621 4.63%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $340,000 $170,000 $3,882 3.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $335,000 $335,000 $2,845 4.38%
COLUMBUS, OH (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $335,000 $335,000 $3,444 4.52%
MONTGOMERY, AL (FHA|USDA|VA) 1 $305,000 $305,000 $3,115 4.40%
WILMINGTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.99%
ROCHESTER, NY (FHA|USDA|VA) 1 $305,000 $305,000 $3,673 3.88%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,066 3.88%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,025 4.48%
Steamboat Springs, CO (FHA|USDA|VA) 1 $275,000 $275,000 $2,758 4.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,120 4.25%
Faribault-Northfield, MN (FHA|USDA|VA) 2 $260,000 $130,000 $2,908 3.68%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,743 4.38%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $205,000 $205,000 $3,272 4.25%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.49%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.25%
GREELEY, CO (FHA|USDA|VA) 1 $205,000 $205,000 $3,359 4.75%
BOISE CITY, ID (FHA|USDA|VA) 1 $205,000 $205,000 $3,278 4.53%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,026 3.50%
Sonora, CA (FHA|USDA|VA) 1 $175,000 $175,000 $2,621 4.25%
GETTYSBURG, PA (FHA|USDA|VA) 1 $165,000 $165,000 $0 2.99%
Sevierville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $3,229 4.50%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.99%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $155,000 $155,000 $3,042 3.75%
Traverse City, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 4.25%
VALLEJO, CA (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.99%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.99%
City National Bank's top markets include Los Angeles, New York, San Francisco, San Diego, and Riverside among others.

Their top states include:
  • California (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,905 $2,648,615,000 $1,390,349 $6,027 4.00%
    HELOC 1,351 $720,595,000 $533,379 n/a 3.68%

    For 2018, City National Bank's most frequently originated type of loan was Conventional, with 1,905 originations. Their 2nd most popular type was HELOC, with 1,351 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 997 $1,418,145,000 $1,422,412 $6,969 3.96%
    Other 827 $555,265,000 $671,421 $4,837 3.76%
    Cash Out Refi 570 $588,800,000 $1,032,982 $4,835 3.85%
    Refi 512 $683,050,000 $1,334,082 $5,270 3.91%
    Home Improvement 350 $123,950,000 $354,143 $3,692 3.79%

    For 2018, City National Bank's most frequently cited loan purpose was Home Purchase, with 997 originations. The 2nd most popular reason was Other, with 827 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,652 $2,197,780,000 $1,330,375 $6,117 3.98%
    Other 1,367 $857,265,000 $627,114 $0 3.68%
    15 Year 120 $94,770,000 $789,750 $4,966 3.92%
    10 Year 36 $94,430,000 $2,623,056 $4,108 4.22%
    20 Year 35 $28,045,000 $801,286 $0 4.69%
    5 Year 33 $53,125,000 $1,609,848 $0 4.22%
    3 Year 7 $37,815,000 $5,402,143 $0 3.90%
    1 Year 6 $5,980,000 $996,667 $0 5.08%

    For 2018, City National Bank's most frequently cited loan duration was 30 Year, with 1,652 originations. The 2nd most popular length was Other, with 1,367 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,589 $1,882,315,000 $1,184,591
    $1k-2k 161 $377,195,000 $2,342,826
    $5k+ 15 $17,015,000 $1,134,333
    $3k-4k 1 $485,000 $485,000
    $4k-5k 1 $435,000 $435,000

    City National Bank's average total fees were $6,117, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,589 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,235 $1,887,705,000 $1,528,506
    4-5% 1,139 $994,815,000 $873,411
    2.5-3% 722 $425,930,000 $589,931
    5-6% 117 $42,435,000 $362,692
    6-7% 22 $1,270,000 $57,727
    <2.5% 18 $12,170,000 $676,111
    % 3 $4,885,000 $1,628,333

    During 2018, City National Bank's average interest rate for loans was 3.98%, while their most frequently originated rate bucket for loans was 3-4%, with 1,235 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 1,041 $2,401,535,000 $2,306,950 $8,247 3.79%
    $600k-1MM 613 $466,015,000 $760,220 $4,832 3.91%
    $400k-600k 588 $289,240,000 $491,905 $4,104 3.86%
    $200k-400k 560 $159,850,000 $285,446 $3,514 3.92%
    $100k-200k 321 $44,755,000 $139,424 $3,312 3.87%
    $100,000 or less 133 $7,815,000 $58,759 $2,560 3.97%

    2018 saw City National Bank place emphasis on $1MM+ loans with 1,041 originations, totaling $2,401,535,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,608 $1,769,210,000 $1,100,255 $6,450 3.80%
    $150k-250k 524 $276,560,000 $527,786 $4,399 3.87%
    $100k-150k 302 $113,490,000 $375,795 $4,173 3.87%
    $75k-100k 117 $40,305,000 $344,487 $3,835 4.10%
    $50k or less 110 $65,170,000 $592,455 $5,063 3.98%
    $50k-75k 86 $29,320,000 $340,930 $3,564 4.00%

    City National Bank lent most frequently to those with incomes in the $250k+ range, with 1,608 originations. The second most popular income band? $150k-250k, with 524 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 487 $399,335,000 $819,990 $5,474 3.85%
    <20% 390 $337,700,000 $865,897 $5,514 3.82%
    >60% 379 $344,235,000 $908,272 $5,301 3.80%
    30-36% 353 $332,625,000 $942,280 $5,656 3.81%
    50-60% 274 $191,260,000 $698,029 $5,572 3.84%
    40% 101 $64,225,000 $635,891 $5,277 4.01%
    39% 96 $66,350,000 $691,146 $5,537 3.95%
    38% 72 $48,930,000 $679,583 $5,373 3.82%
    36% 71 $60,555,000 $852,887 $5,575 3.94%
    45% 69 $43,135,000 $625,145 $4,756 3.75%
    46% 67 $50,325,000 $751,119 $4,802 3.81%
    37% 63 $59,675,000 $947,222 $5,488 4.01%
    48% 63 $53,905,000 $855,635 $6,804 3.92%
    42% 61 $62,235,000 $1,020,246 $5,785 3.95%
    43% 59 $35,045,000 $593,983 $4,577 3.73%
    44% 56 $44,680,000 $797,857 $12,798 3.98%
    41% 53 $34,835,000 $657,264 $5,087 3.92%
    49% 44 $34,250,000 $778,409 $4,778 3.81%
    47% 39 $44,005,000 $1,128,333 $6,308 3.75%

    City National Bank lent most frequently to those with DTI ratios of 20-30%, with 487 originations. The next most common DTI ratio? <20%, with 390 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,129 $1,807,045,000 $848,776 $5,627 3.83%
    Not applicable 427 $1,011,325,000 $2,368,443 $8,162 3.98%
    Not provided 457 $360,165,000 $788,107 $5,652 3.90%
    Asian 151 $100,095,000 $662,881 $4,801 3.95%
    Black 80 $82,570,000 $1,032,125 $6,433 3.97%
    Native Hawaiian or Islander 5 $4,425,000 $885,000 $7,271 3.57%
    Other Pacific Islander 1 $1,505,000 $1,505,000 $0 2.99%
    American Indian 4 $1,420,000 $355,000 $0 3.43%
    Japanese 1 $505,000 $505,000 $0 2.99%
    Other Asian 1 $155,000 $155,000 $0 4.75%

    Approval Rates

    Total approvals of all applications
    90.95%

    City National Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.17%

    City National Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    10014.47 1 $505,000 $505,000
    10432.19 1 $385,000 $385,000
    110.0 1 $805,000 $805,000
    1315.0 1 $2,005,000 $2,005,000
    1320.0 1 $245,000 $245,000
    165.8 1 $65,000 $65,000
    168.0 1 $75,000 $75,000
    170.2 1 $155,000 $155,000
    17726.86 1 $325,000 $325,000
    1877.0 1 $1,185,000 $1,185,000
    193.2 1 $175,000 $175,000
    1970.0 1 $255,000 $255,000
    20027.19 1 $755,000 $755,000
    2010.0 1 $3,005,000 $3,005,000
    2099.0 1 $2,855,000 $2,855,000
    2157.5 1 $1,305,000 $1,305,000
    2274.0 1 $125,000 $125,000
    245.0 1 $105,000 $105,000
    2670.0 1 $155,000 $155,000
    2677.5 2 $2,960,000 $1,480,000
    2811.0 1 $1,405,000 $1,405,000
    3277.5 1 $1,905,000 $1,905,000
    3575.75 1 $2,005,000 $2,005,000
    35830.88 1 $4,205,000 $4,205,000
    3736.25 1 $1,505,000 $1,505,000
    3767.5 1 $245,000 $245,000
    3848.75 1 $1,385,000 $1,385,000
    400.0 1 $225,000 $225,000
    4047.5 1 $1,035,000 $1,035,000
    4233.0 1 $3,005,000 $3,005,000
    45.0 7 $4,185,000 $597,857
    450.0 1 $135,000 $135,000
    4770.0 1 $605,000 $605,000
    50.0 1 $375,000 $375,000
    503.7 1 $445,000 $445,000
    5421.33 1 $1,155,000 $1,155,000
    5820.0 1 $325,000 $325,000
    5990.38 1 $4,755,000 $4,755,000
    6015.38 1 $4,055,000 $4,055,000
    807.0 1 $55,000 $55,000
    895.5 1 $115,000 $115,000
    9300.75 1 $4,145,000 $4,145,000
    953.0 1 $395,000 $395,000
    962.5 1 $175,000 $175,000
    NA 3,205 $3,313,925,000 $1,033,986

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 45 $285,425,000 $6,342,778
    Single Family (1-4 Units):Manufactured 1 $65,000 $65,000
    Single Family (1-4 Units):Site-Built 3,210 $3,083,720,000 $960,660

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 739 $558,885,000 $756,272 $5,222 3.82%
    40-60% 562 $857,910,000 $1,526,530 $6,283 3.87%
    60-80% 1,033 $1,441,605,000 $1,395,552 $6,130 3.97%
    80-100% 220 $263,330,000 $1,196,955 $6,480 3.92%
    Over 100% 7 $7,645,000 $1,092,143 $0 4.79%
    Under 20% 695 $239,835,000 $345,086 $4,679 3.72%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITY NATIONAL BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    CITY NATIONAL BANK Other type of mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    City National Bank 100 Montgomery Street San Francisco, CA 94104 Full Service B&M $42,329
    City National Bank 100 Oceangate Long Beach, CA 90802 Full Service B&M $410,109
    City National Bank 10801 West Charleston Boulevard Las Vegas, NV 89135 Full Service B&M $264,680
    City National Bank 10889 Wilshire Boulevard Los Angeles, CA 90024 Full Service B&M $249,965
    City National Bank 1100 Flynn Road Camarillo, CA 93012 Full Service B&M $109,947
    City National Bank 1100 San Leandro Boulevard, Suite 100 San Leandro, CA 94577 Full Service B&M $58,825
    City National Bank 1140 6th Avenue New York, NY 10036 Full Service B&M $2,604,393
    City National Bank 11500 West Olympic Boulevard Los Angeles, CA 90064 Full Service B&M $202,749
    City National Bank 11677 San Vicente Boulevard Los Angeles, CA 90049 Full Service B&M $108,739
    City National Bank 12001 Ventura Place, Suite 100 Studio City, CA 91604 Full Service B&M $163,542
    City National Bank 1220 South Victoria Avenue Ventura, CA 93003 Full Service B&M $51,976
    City National Bank 12515 Ventura Boulevard Studio City, CA 91604 Limited, Drive-thru $0
    City National Bank 1450 Chapin Avenue Burlingame, CA 94010 Full Service B&M $52,191
    City National Bank 150 California Street San Francisco, CA 94111 Full Service B&M $1,822,457
    City National Bank 15260 Ventura Boulevard, Suite 1600 Sherman Oaks, CA 91403 Full Service B&M $960,153
    City National Bank 16133 Ventura Boulevard Encino, CA 91436 Full Service B&M $263,220
    City National Bank 1620 26th Street, Suites 1030 And 1040 North Santa Monica, CA 90404 Full Service B&M $151,035
    City National Bank 1647 Us Highway 395 N Minden, NV 89423 Full Service B&M $50,050
    City National Bank 1800 Century Park East Los Angeles, CA 90067 Full Service B&M $643,932
    City National Bank 1811 E. College Pkwy Carson City, NV 89706 Full Service B&M $158,669
    City National Bank 18111 Von Karman Avenue, Suite 100 Irvine, CA 92612 Full Service B&M $742,426
    City National Bank 20 Pacifica Irvine, CA 92618 Full Service B&M $77,894
    City National Bank 2001 M Street Nw Washington, DC 20036 Full Service B&M $6,928
    City National Bank 2001 North Main Street Walnut Creek, CA 94596 Full Service B&M $754,768
    City National Bank 2011 Palomar Airport Road, Suite 100 Carlsbad, CA 92011 Full Service B&M $32,347
    City National Bank 2029 Century Park East A Level Los Angeles, CA 90067 Full Service B&M $419,216
    City National Bank 2101 Webster Street Oakland, CA 94612 Full Service B&M $117,075
    City National Bank 21800 Oxnard Street Woodland Hills, CA 91367 Full Service B&M $109,965
    City National Bank 2231 Rosecrans Avenue El Segundo, CA 90245 Full Service B&M $65,169
    City National Bank 2320 E. Tropicana Ave. Las Vegas, NV 89119 Full Service B&M $86,523
    City National Bank 2401 East Katella Avenue Anaheim, CA 92806 Full Service B&M $36,923
    City National Bank 24200 Magic Mountain Parkway, Suite 140 Valencia, CA 91355 Full Service B&M $78,926
    City National Bank 245 Lytton Ave Suite 100 Palo Alto, CA 94301 Full Service B&M $79,511
    City National Bank 250 Vesey Street, 26th Floor New York, NY 10281 Full Service B&M $6,236,122
    City National Bank 2655 Townsgate Road Westlake Village, CA 91361 Full Service B&M $165,237
    City National Bank 3333 Piedmont Road Atlanta, GA 30305 Full Service B&M $110,196
    City National Bank 3424 West Carson Street Torrance, CA 90503 Full Service B&M $159,548
    City National Bank 3484 Central Avenue Riverside, CA 92506 Full Service B&M $532,106
    City National Bank 3500 West Olive Avenue Suite 100 Burbank, CA 91505 Full Service B&M $61,663
    City National Bank 355 South Grand Avenue Los Angeles, CA 90071 Full Service B&M $69,694
    City National Bank 3633 Inland Empire Blvd, Suite 100 Ontario, CA 91764 Full Service B&M $221,424
    City National Bank 3739 Crenshaw Blvd Unit D Los Angeles, CA 90016 Full Service B&M $10,484
    City National Bank 400 North Roxbury Drive Beverly Hills, CA 90210 Full Service B&M $11,618,226
    City National Bank 400 Park Avenue New York, NY 10022 Full Service B&M $752,299
    City National Bank 4275 Executive Square Suite 101 La Jolla, CA 92037 Full Service B&M $335,569
    City National Bank 4605 Lankershim Boulevard North Hollywood, CA 91602 Full Service B&M $81,358
    City National Bank 50 Fremont St San Francisco, CA 94105 Full Service B&M $20,440
    City National Bank 500 E Esplanade Dr. Oxnard, CA 93036 Full Service B&M $175,759
    City National Bank 500 Newport Center Drive Newport Beach, CA 92660 Full Service B&M $61,429
    City National Bank 501 West Broadway, Suite 100 San Diego, CA 92101 Full Service B&M $84,707
    City National Bank 525 South Flower Street Los Angeles, CA 90071 Full Service B&M $6,619,165
    City National Bank 54 Music Square East, Suite 100 Nashville, TN 37203 Full Service B&M $367,607
    City National Bank 5470 Kietzke Lane, Building 3 Reno, NV 89511 Full Service B&M $80,789
    City National Bank 550 North Brand Boulevard, Suite 100 Glendale, CA 91203 Full Service B&M $233,691
    City National Bank 555 Nicollet Mall Suite 285 Minneapolis, MN 55402 Full Service B&M $3,963
    City National Bank 555 S. Flower Street Los Angeles, CA 90071 Full Service B&M $598,977
    City National Bank 5601 E Slauson Ave Commerce, CA 90040 Full Service B&M $923,891
    City National Bank 6085 West Twain Avenue Las Vegas, NV 89103 Full Service B&M $142,028
    City National Bank 6100 Wilshire Boulevard Los Angeles, CA 90048 Full Service B&M $136,887
    City National Bank 6160 Stoneridge Mall Road, Suite 100 Pleasanton, CA 94588 Full Service B&M $26,247
    City National Bank 6398 East Pacific Coast Highway Long Beach, CA 90803 Full Service B&M $74,075
    City National Bank 800 Silverado Street La Jolla, CA 92037 Full Service B&M $44,216
    City National Bank 8012 Vineland Avenue Sun Valley, CA 91352 Full Service B&M $86,876
    City National Bank 843 Via De La Paz Suite 100 Pacific Palisades, CA 90272 Full Service B&M $65,552
    City National Bank 8475 S. Eastern Avenue, Suite 100 Las Vegas, NV 89123 Full Service B&M $26,964
    City National Bank 8641 Wilshire Boulevard Suite 101 Beverly Hills, CA 90211 Full Service B&M $152,080
    City National Bank 89 South Lake Avenue Pasadena, CA 91101 Full Service B&M $93,791
    City National Bank 9 Executive Circle Irvine, CA 92614 Full Service B&M $156,980
    City National Bank 9229 West Sunset Boulevard West Hollywood, CA 90069 Full Service B&M $293,291
    City National Bank 937 Lomas Santa Fe Drive Solana Beach, CA 92075 Full Service B&M $38,230
    City National Bank 9400 Topanga Canyon Blvd Chatsworth, CA 91311 Full Service B&M $69,729
    City National Bank One Almaden Boulevard, Suite 100 San Jose, CA 95113 Full Service B&M $224,509
    City National Bank One Centerpointe Drive La Palma, CA 90623 Full Service B&M $176,042

    For 2018, City National Bank had 73 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $1,697,174
    Net interest income $1,598,146
    Total noninterest income $536,206
    Gross Fiduciary activities income $83,386
    Service charges on deposit accounts $50,205
    Trading account gains and fees $28,048
    Additional Noninterest Income $374,567
    Pre-tax net operating income $822,324
    Securities gains (or losses, -) $173
    Income before extraordinary items $615,881
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $615,881
    Minority interest net income $0
    Net income $615,881
    Sale, conversion, retirement of capital stock, net $6,158
    Net operating income $615,744

    City National Bank's gross interest income from loans was $1,697,174,000.
    City National Bank's net interest income from loans was $1,598,146,000.
    City National Bank's fee based income from loans was $50,205,000.
    City National Bank's net income from loans was $615,881,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $99,028
    Provision for credit losses $30,946
    Total noninterest expense $1,281,082
    Salaries and employee benefits $787,196
    Premises and equipment expense $157,252
    Additional noninterest expense $336,634
    Applicable income taxes $206,616
    Net charge-offs $25,685
    Cash dividends $0

    City National Bank's interest expense for loans was $99,028,000.
    City National Bank's payroll and benefits expense were $787,196,000.
    City National Bank's property, plant and equipment expenses $157,252,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 0.0%
    Credit card loans 1.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 1.0%

    Deposits

    Type Value (in 000's)
    Total deposits $41,233,414
    Deposits held in domestic offices $41,233,414
    Deposits by Individuals, partnerships, and corporations $40,609,910
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $541,853
    Deposits by Commercial banks and other depository institutions in U.S. $10,959
    Deposits by Banks in foreign countries $68,601
    Deposits by Foreign governments and official institutions $2,089
    Transaction accounts $3,477,123
    Demand deposits $3,155,698
    Nontransaction accounts $37,756,291
    Money market deposit accounts (MMDAs) $12,518,146
    Other savings deposits (excluding MMDAs) $24,573,667
    Total time deposits $664,478
    Total time and savings deposits $38,077,716
    Noninterest-bearing deposits $23,116,042
    Interest-bearing deposits $18,117,372
    Retail deposits $40,774,325
    IRAs and Keogh plan accounts $56,183
    Brokered deposits $12,203
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $50,703,918
    Cash & Balances due from depository institutions $2,658,890
    Interest-bearing balances $2,302,413
    Total securities $9,934,276
    Federal funds sold & reverse repurchase $200,000
    Net loans and leases $35,463,205
    Loan and leases loss allowance $382,042
    Trading account assets $85,092
    Bank premises and fixed assets $363,008
    Other real estate owned $0
    Goodwill and other intangibles $551,334
    All other assets $1,448,113

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $50,703,918
    Total Liabilities $46,149,986
    Total deposits $41,233,414
    Interest-bearing deposits $18,117,372
    Deposits held in domestic offices $41,233,414
    % insured (estimated) $41
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $53,522
    Other borrowed funds $3,396,137
    Subordinated debt $624,471
    All other liabilities $842,442

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $35,463,205
    Loan and leases loss allowance $382,042
    Total loans and leases (domestic) $35,845,247
    All real estate loans $19,622,026
    Real estate loans in domestic offices $19,622,026
    Construction and development loans $1,730,752
    Residential 1-4 family construction $149,377
    Other construction, all land development and other land $1,581,375
    Loans secured by nonfarm nonresidential properties $5,649,225
    Nonfarm nonresidential secured by owner-occupied properties $2,586,539
    Commercial real estate & other non-farm, non-residential $3,062,686
    Multifamily residential real estate $972,993
    1-4 family residential loans $11,233,197
    Farmland loans $35,859
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $7,438,887
    To non-U.S. addressees $178,984
    Loans to individuals $751,424
    Credit card loans $74,626
    Related Plans $393,276
    Consumer Auto Loans $1,492
    Other loans to individuals $282,030
    All other loans & leases $8,032,910
    Loans to foreign governments and official institutions $0
    Other loans $5,875,273
    Loans to depository institutions and acceptances of other banks $41,438
    Loans not secured by real estate $1,023,463
    Loans secured by real estate to non-U.S. addressees $128,372
    Restructured Loans & leases $27,062
    Non 1-4 family restructured loans & leases $12,018
    Total loans and leases (foreign) $0

    City National Bank had $35,463,205,000 of loans outstanding in 2018. $19,622,026,000 of loans were in real estate loans. $1,730,752,000 of loans were in development loans. $972,993,000 of loans were in multifamily mortgage loans. $11,233,197,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $74,626,000 of loans were in credit card loans. $1,492,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 667 $303,501 $455,024
    Nonfarm, nonresidential loans - <$100k 26 $104 $4,000
    Nonfarm, nonresidential loans - $100-250k 64 $9,628 $150,438
    Nonfarm, nonresidential loans - $250k-1MM 577 $293,769 $509,132
    Commercial & Industrial, US addressed loans - <$1MM 8,759 $427,645 $48,823
    Commercial & Industrial, US addressed loans - <$100k 7,010 $106,366 $15,173
    Commercial & Industrial, US addressed loans - $100-250k 889 $87,785 $98,746
    Commercial & Industrial, US addressed loans - $250k-1MM 860 $233,494 $271,505