City National Bank of Florida mortgage approval rate & lending review
City National Bank of Florida decided 2,941 mortgage applications and funded 2,576 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions City National Bank of Florida reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
City National Bank of Florida at a glance
Approval is 2.2 points above the 85.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,875 / 2,083 | 100% | $275K | 1,868 |
| Home improvement loans | 81% | 21 / 26 | 100% | $765K | 21 |
| Cash-out refinance | 69% | 101 / 147 | 100% | $515K | 101 |
| Refinance | 75% | 61 / 81 | 98% | $815K | 60 |
| Investment property purchase | 89% | 466 / 523 | 100% | $395K | 466 |
| Investment refinance | 70% | 31 / 44 | 100% | $475K | 31 |
City National Bank of Florida lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 87% | $265K | 2,563 | 2,226 |
| Georgia | 90% | $295K | 139 | 125 |
| Alabama | 92% | $255K | 79 | 73 |
| California | 91% | $735K | 33 | 30 |
| New York | 92% | $445K | 26 | 24 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where City National Bank of Florida lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Broward County, FL | Mortgage lenders | 89% | 533 | 471 |
| Miami-Dade County, FL | Mortgage lenders | 86% | 469 | 398 |
| Palm Beach County, FL | Mortgage lenders | 91% | 261 | 238 |
| Miami-Dade County, FL | Investment property purchase | 86% | 169 | 146 |
| Osceola County, FL | Investment property purchase | 88% | 81 | 71 |
| Baldwin County, AL | Mortgage lenders | 91% | 56 | 51 |
| Miami-Dade County, FL | Cash-out refinance | 66% | 67 | 44 |
| Clarke County, GA | Mortgage lenders | 92% | 40 | 37 |
| Broward County, FL | Investment property purchase | 83% | 41 | 34 |
| Leon County, FL | Mortgage lenders | 97% | 35 | 34 |
| Indian River County, FL | Mortgage lenders | 100% | 29 | 29 |
| Miami-Dade County, FL | Refinance | 74% | 35 | 25 |
The county markets where City National Bank of Florida made the most loans. Each link opens that market with every lender ranked.
Questions about City National Bank of Florida
What is City National Bank of Florida's mortgage approval rate?
City National Bank of Florida approved 87.9% of the 2,941 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.2 points above the 85.7% national rate for the same mix of loan types.
How often do borrowers take the loan City National Bank of Florida offers?
Borrowers accepted 100% of the loans City National Bank of Florida approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does City National Bank of Florida make?
The typical home purchase mortgage loan City National Bank of Florida made was $275K; across all loan types its typical loan ran from $275K to $815K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does City National Bank of Florida lend?
City National Bank of Florida decided applications in 29 of the states Fat Boy Data covers, most of them in Florida, Georgia and Alabama.
Can I apply to City National Bank of Florida directly?
Yes. City National Bank of Florida is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show City National Bank of Florida's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how City National Bank of Florida treats applications, then get a rate quote from the lender.