City National Bank in California vs the state
14.3%Denial rate-3.10 pts vs state
18.2%Decision denial rate-4.20 pts vs state
63.7%Origination rate+7.53 pts vs state
6.03%Median rate-0.59 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$244kMedian applicant income
2,576Loans originated
579Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,673 | 1,004 | 22.6% | 7.05% | #94 |
| 2024 | 1,967 | 1,078 | 24.1% | 6.40% | #87 |
| 2025 | 4,042 | 2,576 | 14.3% | 6.03% | #51 |
What City National Bank lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most City National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 2,151 | 1,416 | 319 | 14.8% |
| Orange County | 355 | 236 | 49 | 13.8% |
| Santa Clara County | 340 | 191 | 29 | 8.5% |
| Riverside County | 226 | 146 | 32 | 14.2% |
| Alameda County | 204 | 110 | 15 | 7.4% |
| San Bernardino County | 195 | 118 | 26 | 13.3% |
| San Diego County | 159 | 78 | 47 | 29.6% |
| Ventura County | 89 | 55 | 23 | 25.8% |
| San Mateo County | 87 | 61 | 7 | 8.0% |
| Contra Costa County | 66 | 51 | 5 | 7.6% |
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: 4,042 applications in 2025, of which 2,576 were originated and 579 denied.
14.3% of all applications, or 18.2% 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 originated in California in 2025 was 6.03%, against a statewide median of 6.63%.
About this data. Figures are City National Bank'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