City National Bank Of Florida Mortgage Rates, Fees & Info
Miami, FLLEI: GDN5JXQ4P5NZE28ZRC90
Tax ID: 59-1297458
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Mortgage Data
Review & Overview
City National Bank Of Florida is a smaller bank specializing in Home Purchase loans. City National Bank Of Florida has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Miami, Orlando, Tampa, Jacksonville, and Memphis among others. We have data for 69 markets. (Some data included below & more in-depth data is available with an active subscription.)City National Bank Of Florida 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 Of Florida is typically a high 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 relatively high 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.40% | 12/16/24 |
| 30 Year Conventional Refi | 6.45% | 12/16/24 |
| 30 Year Cash-out Refi | 6.46% | 12/16/24 |
| 30 Year FHA Purchase | 6.56% | 12/16/24 |
| 30 Year VA Purchase | 6.03% | 12/16/24 |
| 15 Year Conventional Purchase | 6.03% | 12/16/24 |
| 15 Year Conventional Refi | 6.03% | 12/16/24 |
| 15 Year Cash-out Refi | 6.03% | 12/16/24 |
| 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 Of Florida Mortgage Calculator
Your Estimates
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This is not an official calculator from City National Bank Of Florida. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
942Origination Dollar Volume (All Markets)
$912,930,000Awards
City National Bank of Florida - 2023
City National Bank of Florida is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
City National Bank Of Florida's average 30 year fixed mortgage rate was
5.91%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.57%.
Relative Fees (Closing Costs)
City National Bank Of Florida's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,105.
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 $9,089.
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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 562 | $593,860,000 | $1,056,690 | $9,707 | 5.70% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 120 | $63,800,000 | $531,667 | $8,024 | 5.77% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $58,350,000 | $4,167,857 | $11,562 | 6.37% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 36 | $31,250,000 | $868,056 | $9,677 | 6.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $26,405,000 | $26,405,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 13 | $18,855,000 | $1,450,385 | $10,684 | 5.67% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $9,225,000 | $3,075,000 | $16,853 | 5.96% |
| Key West, FL (FHA|USDA|VA) | 9 | $7,715,000 | $857,222 | $8,721 | 6.83% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $7,660,000 | $1,276,667 | $10,903 | 6.21% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 17 | $6,395,000 | $376,176 | $6,965 | 6.93% |
| Outside of Metro Areas | 9 | $6,075,000 | $675,000 | $4,924 | 6.82% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $5,985,000 | $855,000 | $10,639 | 6.30% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 15 | $5,875,000 | $391,667 | $7,218 | 6.64% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 15 | $5,435,000 | $362,333 | $5,139 | 6.51% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $5,190,000 | $2,595,000 | $34,693 | 5.44% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 25 | $5,105,000 | $204,200 | $5,831 | 6.58% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $4,375,000 | $4,375,000 | $89,625 | 5.75% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $3,735,000 | $1,245,000 | $18,966 | 6.21% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $3,325,000 | $665,000 | $6,742 | 6.18% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $2,795,000 | $931,667 | $4,580 | 6.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $2,645,000 | $377,857 | $7,299 | 6.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $2,190,000 | $1,095,000 | $6,267 | 6.06% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $2,010,000 | $1,005,000 | $7,324 | 6.44% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 3 | $1,995,000 | $665,000 | $4,399 | 6.46% |
| OCALA, FL (FHA|USDA|VA) | 2 | $1,990,000 | $995,000 | $9,790 | 6.19% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $1,845,000 | $615,000 | $6,701 | 6.33% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $1,825,000 | $1,825,000 | $0 | 5.63% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,590,000 | $795,000 | $6,084 | 5.81% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $19,333 | 6.50% |
| MADERA, CA (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $4,980 | 6.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $1,380,000 | $690,000 | $5,295 | 6.19% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $6,996 | 5.88% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $1,220,000 | $610,000 | $6,133 | 6.38% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $1,185,000 | $1,185,000 | $4,839 | 7.00% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $4,285 | 6.94% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $13,249 | 5.63% |
| RENO, NV (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $6,830 | 6.50% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $5,160 | 6.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $4,149 | 5.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $6,059 | 6.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $7,792 | 5.94% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $4,384 | 6.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $5,785 | 5.88% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $4,050 | 6.50% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $6,695 | 6.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,911 | 7.19% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $4,328 | 5.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,939 | 6.04% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $3,436 | 6.00% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $10,424 | 5.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,832 | 6.06% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $9,751 | 7.38% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,851 | 6.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,482 | 5.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,917 | 7.75% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,667 | 5.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,778 | 7.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,989 | 6.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,278 | 6.88% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,351 | 6.50% |
| Lake City, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,479 | 6.37% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,623 | 5.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 7.46% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,477 | 7.38% |
| AKRON, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,945 | 6.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.88% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,859 | 5.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 914 | $902,070,000 | $986,947 | $8,982 | 5.89% |
| FHA | 20 | $7,770,000 | $388,500 | $12,766 | 6.25% |
| VA | 8 | $3,090,000 | $386,250 | $12,202 | 6.59% |
For 2023, City National Bank Of Florida's most frequently originated type of loan was Conventional, with 914 originations. Their 2nd most popular type was FHA, with 20 originations.
Loan Reason
For 2023, City National Bank Of Florida's most frequently cited loan purpose was Home Purchase, with 832 originations. The 2nd most popular reason was Cash Out Refi, with 49 originations.
Loan Duration/Length
For 2023, City National Bank Of Florida's most frequently cited loan duration was 30 Year, with 914 originations. The 2nd most popular length was Other, with 12 originations.
Origination Fees/Closing Costs
City National Bank Of Florida's average total fees were $9,105, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 640 originations.
Interest Rates
During 2023, City National Bank Of Florida's average interest rate for loans was 5.91%, while their most frequently originated rate bucket for loans was 6-7%, with 316 originations.
Loan Sizing
2023 saw City National Bank Of Florida place emphasis on $200k-400k loans with 287 originations, totaling $85,095,000 in origination value.
Applicant Income
City National Bank Of Florida lent most frequently to those with incomes in the $250k+ range, with 385 originations. The second most popular income band? $150k-250k, with 140 originations.
Applicant Debt to Income Ratio
City National Bank Of Florida lent most frequently to those with DTI ratios of 30-36%, with 163 originations. The next most common DTI ratio? 20-30%, with 133 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications90.99%
City National Bank Of Florida has an average approval rate.
Pick Rate
Approvals leading to origination68.90%
City National Bank Of Florida 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 | 942 | $912,930,000 | $969,140 |