Applications / Mortgage Analytics / Lenders / Florida / City National Bank of Florida
Miami, FL · National bank · OCC · $28.0 billion assets · 1,199 loans in 2025
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1,199
loans originated, 2025
1,809
applications, 2025
24
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City National Bank of Florida is a Miami national bank that ranked 8 of 937 lenders in its home market and grew its originations 44% in 2025, with the largest dollar volume among similar lenders.
Originations rose 44% to 1,199, against 10% at similar lenders (national banks making between half and twice as many loans) and the whole market, faster than about nineteen in twenty of them. It lent $1.36 billion, the most among its peers, against $348.7 million. Jumbo loans (larger than the conforming limit) were 18.9%, against 1.9%, also the highest.
FHA loans (insured by the Federal Housing Administration) were 13.3% of its originations, up from 1.8% five years before, against 2.2% at peers. Conventional loans fell to 81.9% from 97.2%.
Its higher-priced share (a rate well above the average for similar loans) was 0.6%, against 1.8% at peers, and its typical rate was 6.25%, against 6.62%, lower than more than four in five of them.
LMI (low- and moderate-income) areas took 22.6% of its loans, against 14.2% at peers, and majority-minority areas 41.3%, against 8.1%, higher than about nineteen in twenty. Both shares were lower than in 2024, when they were 34.6% and 54.9%, but remain well above peers'. Its LMI borrower share, 26.1%, was near the middle of its peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Florida took 1,809 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.5% · Refinance 11.2% · Other 1.8% · Home improvement 1.5%
Conventional 81.9% · FHA 13.3% · VA 4.4% · USDA (RHS or FSA) 0.3% · of 1,199 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 |
|---|---|---|
| Florida | 788 | 65.7% |
| Georgia | 292 | 24.4% |
| Alabama | 39 | 3.3% |
| New York | 14 | 1.2% |
| North Carolina | 11 | 0.9% |
| Ohio | 9 | 0.8% |
| South Carolina | 9 | 0.8% |
| California | 5 | 0.4% |
| Colorado | 5 | 0.4% |
| Tennessee | 5 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 244 |
| Fort Lauderdale-Pompano Beach-Sunrise | 174 |
| Athens-Clarke County | 121 |
| West Palm Beach-Boca Raton-Delray Beach | 97 |
| Atlanta-Sandy Springs-Roswell | 82 |
| Orlando-Kissimmee-Sanford | 43 |
| Tallahassee | 42 |
| Pensacola-Ferry Pass-Brent | 39 |
| Daphne-Fairhope-Foley | 31 |
| Tampa | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | GDN5JXQ4P5NZE28ZRC90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 814430 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115977 | 1990–2017 |
Established 12 August 1970. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: City National Bank of Florida's data.
City National Bank of Florida's data
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City National Bank of Florida 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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