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 small bank specializing in Home Purchase and Cash Out Refi 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, Jacksonville, Tampa, and Glenwood Springs among others. We have data for 67 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.40% | 4/28/24 |
| 30 Year Conventional Refi | 6.45% | 4/28/24 |
| 30 Year Cash-out Refi | 6.46% | 4/28/24 |
| 30 Year FHA Purchase | 6.56% | 4/28/24 |
| 30 Year VA Purchase | 6.03% | 4/28/24 |
| 15 Year Conventional Purchase | 6.03% | 4/28/24 |
| 15 Year Conventional Refi | 6.03% | 4/28/24 |
| 15 Year Cash-out Refi | 6.03% | 4/28/24 |
| 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 Of Florida Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,211Origination Dollar Volume (All Markets)
$1,589,065,000Awards
City National Bank of Florida - 2022
City National Bank of Florida is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 766 | $1,152,370,000 | $1,504,399 | $13,490 | 4.17% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 109 | $70,475,000 | $646,560 | $9,101 | 4.39% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 47 | $44,815,000 | $953,511 | $8,666 | 4.42% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 40 | $39,060,000 | $976,500 | $10,221 | 5.00% |
| Glenwood Springs, CO (FHA|USDA|VA) | 5 | $32,955,000 | $6,591,000 | $20,287 | 3.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 18 | $32,740,000 | $1,818,889 | $14,690 | 4.44% |
| Key West, FL (FHA|USDA|VA) | 27 | $29,915,000 | $1,107,963 | $16,235 | 4.05% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 8 | $24,830,000 | $3,103,750 | $11,624 | 4.20% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 15 | $22,785,000 | $1,519,000 | $11,566 | 4.23% |
| Outside of Metro Areas | 14 | $16,290,000 | $1,163,571 | $11,148 | 4.22% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $15,735,000 | $1,430,455 | $7,388 | 4.64% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $13,120,000 | $1,312,000 | $8,938 | 4.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 15 | $9,145,000 | $609,667 | $6,575 | 4.39% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 24 | $8,540,000 | $355,833 | $5,756 | 4.83% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $8,270,000 | $827,000 | $11,426 | 3.78% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $6,340,000 | $3,170,000 | $0 | 3.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $5,160,000 | $1,290,000 | $12,087 | 4.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 7 | $4,875,000 | $696,429 | $6,910 | 4.48% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $3,575,000 | $715,000 | $5,058 | 5.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $3,500,000 | $583,333 | $3,946 | 4.10% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $3,285,000 | $1,095,000 | $6,324 | 3.88% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $3,010,000 | $376,250 | $6,425 | 5.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $40,012 | 2.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $20,179 | 5.50% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $2,745,000 | $2,745,000 | $10,329 | 4.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 6 | $2,420,000 | $403,333 | $9,657 | 5.31% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $2,235,000 | $2,235,000 | $11,978 | 4.25% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $2,180,000 | $1,090,000 | $4,733 | 4.31% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $1,925,000 | $1,925,000 | $14,276 | 5.23% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $1,665,000 | $555,000 | $7,673 | 4.50% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $1,545,000 | $1,545,000 | $7,135 | 4.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,515,000 | $1,515,000 | $7,125 | 5.00% |
| OCALA, FL (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $16,359 | 4.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $4,606 | 5.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $16,764 | 5.88% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $8,104 | 2.88% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $945,000 | $945,000 | $6,350 | 3.63% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $935,000 | $935,000 | $8,947 | 5.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $15,831 | 5.50% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,396 | 5.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $6,984 | 4.88% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,209 | 5.38% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,893 | 5.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $4,651 | 6.00% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $7,448 | 2.63% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,439 | 3.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,562 | 4.75% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,956 | 6.63% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,815 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,392 | 6.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,993 | 5.88% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 4.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,695 | 6.50% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 5.38% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,859 | 4.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,017 | 6.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,381 | 6.13% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,092 | 3.75% |
| Natchitoches, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,215 | 4.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,081 | 4.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,773 | 5.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,297 | 6.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,386 | 6.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,827 | 5.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,521 | 3.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,857 | 3.63% |
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 | 1,198 | $1,584,460,000 | $1,322,588 | $12,019 | 4.30% |
| FHA | 12 | $4,300,000 | $358,333 | $12,109 | 4.68% |
| VA | 1 | $305,000 | $305,000 | $0 | 4.50% |
For 2022, City National Bank Of Florida's most frequently originated type of loan was Conventional, with 1,198 originations. Their 2nd most popular type was FHA, with 12 originations.
Loan Reason
For 2022, City National Bank Of Florida's most frequently cited loan purpose was Home Purchase, with 825 originations. The 2nd most popular reason was Cash Out Refi, with 176 originations.
Loan Duration/Length
For 2022, City National Bank Of Florida's most frequently cited loan duration was 30 Year, with 1,152 originations. The 2nd most popular length was 15 Year, with 51 originations.
Origination Fees/Closing Costs
City National Bank Of Florida's average total fees were $12,145, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 750 originations.
Interest Rates
During 2022, City National Bank Of Florida's average interest rate for loans was 4.34%, while their most frequently originated rate bucket for loans was 3-4%, with 379 originations.
Loan Sizing
2022 saw City National Bank Of Florida place emphasis on $1MM+ loans with 402 originations, totaling $1,233,320,000 in origination value.
Applicant Income
City National Bank Of Florida lent most frequently to those with incomes in the $250k+ range, with 636 originations. The second most popular income band? $150k-250k, with 173 originations.
Applicant Debt to Income Ratio
City National Bank Of Florida lent most frequently to those with DTI ratios of 30-36%, with 212 originations. The next most common DTI ratio? 20-30%, with 206 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.30%
City National Bank Of Florida has an average approval rate.
Pick Rate
Approvals leading to origination68.70%
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 | 1,211 | $1,589,065,000 | $1,312,192 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,211 | $1,589,065,000 | $1,312,192 |