City National Bank of Florida in California vs the state
20.0%Denial rate+2.58 pts vs state
28.6%Decision denial rate+6.17 pts vs state
50.0%Origination rate-6.20 pts vs state
6.38%Median rate-0.25 pts vs state
0.05Rate spread (pts)-0.22 pts vs state
$127kMedian applicant income
5Loans originated
2Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 39 | 23 | 0.0% | 6.13% | #571 |
| 2024 | 7 | 3 | 14.3% | 6.75% | #763 |
| 2025 | 10 | 5 | 20.0% | 6.38% | #729 |
What City National Bank of Florida lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most City National Bank of Florida applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 4 | 2 | 2 | 50.0% |
| Los Angeles County | 2 | 1 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Contra Costa County | 1 | 1 | 0 | 0.0% |
| Placer County | 1 | 0 | 0 | 0.0% |
| Santa Clara County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 10 applications in 2025, of which 5 were originated and 2 denied.
20.0% of all applications, or 28.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans City National Bank of Florida originated in California in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are City National Bank of Florida's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology