City National Bank mortgage approval rate & lending review
City National Bank decided 7,081 mortgage applications and funded 5,518 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions City National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
City National Bank at a glance
Approval is 1.9 points below the 80.8% 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 | 85% | 3,352 / 3,961 | 99% | $685K | 3,319 |
| Home improvement loans | 67% | 496 / 743 | 98% | $405K | 484 |
| Cash-out refinance | 63% | 465 / 739 | 99% | $895K | 459 |
| Refinance | 79% | 767 / 977 | 98% | $1M | 753 |
| Investment property purchase | 84% | 373 / 445 | 99% | $1.08M | 370 |
| Investment cash-out refinance | 43% | 25 / 58 | 100% | $865K | 25 |
| Investment refinance | 78% | 59 / 76 | 100% | $945K | 59 |
| Investment home improvement | 62% | 51 / 82 | 96% | $865K | 49 |
City National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $685K | 5,344 | 4,114 |
| New York | 74% | $815K | 377 | 274 |
| Washington | 96% | $1.20M | 211 | 203 |
| Florida | 72% | $1.34M | 165 | 116 |
| Tennessee | 86% | $1M | 154 | 133 |
| New Jersey | 75% | $835K | 92 | 68 |
| Nevada | 71% | $845K | 79 | 53 |
| Texas | 85% | $1.14M | 79 | 67 |
| Arizona | 85% | $1M | 59 | 49 |
| Colorado | 79% | $1.50M | 58 | 45 |
| Georgia | 76% | $2.85M | 38 | 28 |
| Massachusetts | 89% | $1.02M | 36 | 32 |
| North Carolina | 94% | $715K | 34 | 31 |
| District of Columbia | 97% | $1.16M | 31 | 30 |
| Connecticut | 83% | $995K | 30 | 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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 84% | 1,872 | 1,552 |
| Los Angeles County, CA | Refinance | 73% | 396 | 288 |
| Los Angeles County, CA | Home improvement loans | 66% | 372 | 239 |
| Los Angeles County, CA | Cash-out refinance | 64% | 371 | 238 |
| Orange County, CA | Mortgage lenders | 81% | 284 | 228 |
| Santa Clara County, CA | Refinance | 86% | 118 | 99 |
| Orange County, CA | Refinance | 85% | 88 | 74 |
| Santa Clara County, CA | Mortgage lenders | 93% | 81 | 73 |
| Los Angeles County, CA | Investment property purchase | 80% | 76 | 60 |
| Alameda County, CA | Refinance | 87% | 70 | 59 |
| New York County, NY | Mortgage lenders | 83% | 64 | 52 |
| Ventura County, CA | Mortgage lenders | 79% | 53 | 41 |
The county markets where City National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about City National Bank
What is City National Bank's mortgage approval rate?
City National Bank approved 78.9% of the 7,081 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.9 points below the 80.8% national rate for the same mix of loan types.
How often do borrowers take the loan City National Bank offers?
Borrowers accepted 99% of the loans City National Bank 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 make?
The typical home purchase mortgage loan City National Bank made was $685K; across all loan types its typical loan ran from $405K to $1.08M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does City National Bank lend?
City National Bank decided applications in 46 of the states Fat Boy Data covers, most of them in California, New York and Washington.
Can I apply to City National Bank directly?
Yes. City National Bank is a bank or credit union with 72 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show City National Bank'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 treats applications, then get a rate quote from the lender.