Applications / Mortgage Analytics / Lenders / California / City National Bank
Los Angeles, CA · National bank · OCC · $98.4 billion assets · 3,375 loans in 2025
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3,375
loans originated, 2025
5,237
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City National Bank is a Los Angeles lender of large loans whose 2025 originations more than doubled, the fastest growth among similar national banks.
Originations rose 148% to 3,375 from 1,363, the highest growth among similar lenders (national banks making between half and twice as many loans), whose typical growth was 7%, against 10% for the whole market. Its $4.28 billion in loans was higher than nearly all peers. It remains below the 6,370 loans of 2021. It also bought 832 loans, down from 1,333.
Its typical loan was $845,000 against $220,000 at peers, and 35.6% of its loans were jumbo (larger than the conforming limit), against 3.9%, though down from 63.8% five years before. Its typical rate of 5.95% was lower than more than four in five peers, and only 0.1% of loans were higher-priced (a rate well above the average for similar loans).
51.3% of its loans were in majority-minority tracts, against 10.6%, the highest among peers and up from 11.8% five years before. Low- and moderate-income (LMI) borrowers took 4.0%, against 25.5%, among the lowest tenth, which could reflect its loan sizes and a footprint centred on Los Angeles, San Francisco and San Jose.
It ranks 11 of 757 lenders in Los Angeles-Long Beach-Anaheim and 28 of 606 in San Francisco-Oakland-Fremont. In San Jose-Sunnyvale-Santa Clara its share rose 1.2 points to 1.3%, now 12 of 459.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City National Bank took 5,237 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.3% · Refinance 25.8% · Other 7.4% · Home improvement 4.5%
Conventional 100.0% · of 3,375 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 2,576 | 76.3% |
| Washington | 175 | 5.2% |
| New York | 146 | 4.3% |
| Tennessee | 73 | 2.2% |
| New Jersey | 35 | 1.0% |
| Florida | 32 | 0.9% |
| Nevada | 27 | 0.8% |
| Colorado | 25 | 0.7% |
| Arizona | 24 | 0.7% |
| Texas | 23 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 1,416 |
| Riverside-San Bernardino-Ontario | 264 |
| Anaheim-Santa Ana-Irvine | 236 |
| San Jose-Sunnyvale-Santa Clara | 191 |
| Oakland-Fremont-Berkeley | 161 |
| Seattle-Bellevue-Kent | 155 |
| New York-Jersey City-White Plains | 115 |
| San Francisco-San Mateo-Redwood City | 92 |
| San Diego-Chula Vista-Carlsbad | 78 |
| Nashville-Davidson--Murfreesboro--Franklin | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 593C3GZG957YOJPS2Z63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 63069 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114695 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 963069 | 2011–2017 |
Established 4 December 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: City National Bank's data.
City National Bank's data
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City National Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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