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, Atlanta, New York, and Pensacola among others. We have data for 57 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.06% | 4/5/25 |
| 30 Year Conventional Refi | 6.52% | 4/5/25 |
| 30 Year Cash-out Refi | 6.46% | 4/5/25 |
| 30 Year FHA Purchase | 6.71% | 4/5/25 |
| 30 Year FHA Refi | 6.72% | 4/5/25 |
| 30 Year VA Purchase | 6.13% | 4/5/25 |
| 30 Year VA Refi | 6.02% | 4/5/25 |
| 15 Year Conventional Purchase | 5.95% | 4/5/25 |
| 15 Year Conventional Refi | 6.47% | 4/5/25 |
| 15 Year Cash-out Refi | 6.47% | 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 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
825Origination Dollar Volume (All Markets)
$753,485,000Awards
City National Bank of Florida - 2024
City National Bank of Florida 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 Of Florida's average 30 year fixed mortgage rate was
5.99%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.56%.
Relative Fees (Closing Costs)
City National Bank Of Florida's average total fees/closing costs for a 30 year fixed rate
mortgage were $9,179.
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 |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 492 | $527,270,000 | $1,071,687 | $10,035 | 5.94% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 110 | $58,120,000 | $528,364 | $7,436 | 5.43% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $51,105,000 | $51,105,000 | $0 | 0.00% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 9 | $12,135,000 | $1,348,333 | $9,559 | 6.40% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 30 | $8,520,000 | $284,000 | $8,229 | 6.25% |
| Key West, FL (FHA|USDA|VA) | 4 | $7,360,000 | $1,840,000 | $14,479 | 7.13% |
| Glenwood Springs, CO (FHA|USDA|VA) | 4 | $7,260,000 | $1,815,000 | $6,329 | 6.38% |
| Outside of Metro Areas | 8 | $7,220,000 | $902,500 | $5,957 | 6.59% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $6,670,000 | $1,111,667 | $12,189 | 6.69% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 20 | $6,470,000 | $323,500 | $6,682 | 6.73% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 25 | $6,375,000 | $255,000 | $5,124 | 6.05% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 13 | $5,395,000 | $415,000 | $7,647 | 6.56% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $4,495,000 | $1,498,333 | $8,938 | 6.79% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 14 | $4,420,000 | $315,714 | $12,885 | 6.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $3,520,000 | $1,760,000 | $11,971 | 7.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $3,295,000 | $366,111 | $9,576 | 6.68% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $3,255,000 | $651,000 | $11,989 | 5.95% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 8 | $2,700,000 | $337,500 | $6,791 | 6.44% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $2,595,000 | $519,000 | $9,229 | 6.20% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $2,525,000 | $841,667 | $7,369 | 7.04% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $2,115,000 | $705,000 | $5,182 | 7.50% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $2,040,000 | $1,020,000 | $10,353 | 6.62% |
| MOBILE, AL (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $5,401 | 5.94% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $1,355,000 | $451,667 | $8,369 | 6.54% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $7,287 | 6.33% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $1,215,000 | $1,215,000 | $6,949 | 5.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $8,478 | 6.13% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $6,615 | 5.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $9,551 | 6.19% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,201 | 8.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $3,762 | 7.50% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $6,572 | 7.38% |
| Dublin, GA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $6,756 | 7.50% |
| OCALA, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,869 | 6.13% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 7.06% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $6,221 | 7.00% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,114 | 5.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,710 | 6.49% |
| Lake City, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $18,494 | 5.00% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $5,305 | 7.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $7,140 | 5.88% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,333 | 6.00% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,355 | 6.63% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.63% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,548 | 5.88% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,943 | 6.62% |
| Crossville, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,274 | 5.99% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,648 | 5.50% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,989 | 5.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,428 | 5.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,664 | 6.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,660 | 5.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,049 | 6.38% |
| Columbus, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,015 | 5.99% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,630 | 6.38% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,495 | 6.38% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.88% |
Similar Lenders
We use machine learning to identify the top lenders compared against City National Bank of Florida 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 | 713 | $712,255,000 | $998,955 | $8,599 | 6.01% |
| FHA | 81 | $29,675,000 | $366,358 | $13,580 | 5.88% |
| VA | 31 | $11,555,000 | $372,742 | $9,101 | 5.93% |
For 2024, City National Bank Of Florida's most frequently originated type of loan was Conventional, with 713 originations. Their 2nd most popular type was FHA, with 81 originations.
Loan Reason
For 2024, City National Bank Of Florida's most frequently cited loan purpose was Home Purchase, with 743 originations. The 2nd most popular reason was Cash Out Refi, with 26 originations.
Loan Duration/Length
For 2024, City National Bank Of Florida's most frequently cited loan duration was 30 Year, with 804 originations. The 2nd most popular length was Other, with 11 originations.
Origination Fees/Closing Costs
City National Bank Of Florida's average total fees were $9,179, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 569 originations.
Interest Rates
During 2024, City National Bank Of Florida's average interest rate for loans was 5.99%, while their most frequently originated rate bucket for loans was 6-7%, with 290 originations.
Loan Sizing
2024 saw City National Bank Of Florida place emphasis on $200k-400k loans with 321 originations, totaling $94,545,000 in origination value.
Applicant Income
City National Bank Of Florida lent most frequently to those with incomes in the $250k+ range, with 200 originations. The second most popular income band? $50k-75k, with 182 originations.
Applicant Debt to Income Ratio
City National Bank Of Florida lent most frequently to those with DTI ratios of 30-36%, with 101 originations. The next most common DTI ratio? 20-30%, with 100 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.33%
City National Bank Of Florida has an average approval rate.
Pick Rate
Approvals leading to origination72.12%
City National Bank Of Florida has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 825 | $753,485,000 | $913,315 |