Purchase Originations
1,898
Ranked #230 nationally
Median Total Costs
$6,981
+4.5% vs national ($6,680)
↑ $1,375 vs prior year
Median Rate
6.005%
−7.5% vs national (6.490%)
↓ 0.195% vs prior year
Median Origination
$1,560
Median Lender Credits
$93
Cost Rank (500+ vol.)
#368
among lenders with 500+ originations
Denial Rate
8.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,898 | 6.005% | $6,981 | $1,560 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 1,484 | 6.150% | $7,204 | #29 |
| Washington | 118 | 5.320% | $6,403 | #98 |
| New York | 85 | 5.740% | $5,803 | #132 |
| Tennessee | 46 | 5.390% | $3,843 | — |
| New Jersey | 20 | 5.780% | $6,981 | — |
| Texas | 15 | 5.550% | $13,176 | — |
| District of Columbia | 9 | 5.560% | $9,656 | — |
| Florida | 9 | 5.470% | $10,497 | — |
| Nevada | 9 | 5.815% | $5,604 | — |
| Arizona | 8 | 5.320% | $8,796 | — |
| Colorado | 8 | 5.470% | $5,013 | — |
| Illinois | 8 | 5.408% | $7,592 | — |
| Massachusetts | 8 | 5.390% | $7,898 | — |
| Pennsylvania | 7 | 5.510% | $12,366 | — |
| Maryland | 6 | 5.605% | $9,297 | — |
| Georgia | 5 | 5.545% | $11,716 | — |
| Idaho | 5 | 5.470% | $4,734 | — |
| South Carolina | 5 | 5.590% | $7,110 | — |
| Utah | 5 | 5.435% | $5,955 | — |
| Minnesota | 4 | 5.710% | $6,788 | — |
| North Carolina | 3 | 5.935% | $5,507 | — |
| Oregon | 3 | 5.750% | $5,189 | — |
| Virginia | 3 | 5.870% | $7,544 | — |
| Arkansas | 2 | 6.317% | $3,582 | — |
| Connecticut | 2 | 5.327% | $11,977 | — |
| Hawaii | 2 | 5.765% | $4,883 | — |
| Indiana | 2 | 5.505% | $7,018 | — |
| Michigan | 2 | 6.275% | $5,003 | — |
| Missouri | 2 | 5.740% | $6,668 | — |
| Montana | 2 | 5.855% | $7,109 | — |
| Oklahoma | 2 | 6.030% | $12,935 | — |
| Vermont | 2 | 5.790% | $10,050 | — |
| Iowa | 1 | 6.150% | $3,372 | — |
| Maine | 1 | 5.300% | $5,475 | — |
| Nebraska | 1 | 5.990% | $3,539 | — |
| New Mexico | 1 | 6.625% | $4,129 | — |
| Rhode Island | 1 | 6.900% | $8,947 | — |
| South Dakota | 1 | 5.460% | $6,304 | — |
| Wyoming | 1 | 6.000% | $4,984 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $814 | 5.790% | — | 20 | −$6,167 | |
| 2 | $3,376 | 5.350% | — | 27 | −$3,605 | |
| 3 | $5,433 | 5.470% | — | 66 | −$1,548 | |
| 4 | $5,604 | 5.815% | — | 9 | −$1,377 | |
| 5 | $5,867 | 5.610% | — | 18 | −$1,114 | |
| 6 | $5,938 | 5.460% | — | 15 | −$1,043 | |
| 7 | $6,017 | 6.470% | — | 119 | −$964 | |
| 8 | $6,247 | 6.390% | — | 104 | −$734 | |
| 9 | $6,322 | 5.535% | — | 9 | −$659 | |
| 10 | $6,478 | 5.310% | — | 108 | −$503 | |
| 11 | $7,269 | 5.370% | — | 14 | +$288 | |
| 12 | $7,513 | 6.250% | — | 904 | +$532 | |
| 13 | $7,853 | 5.420% | — | 12 | +$872 | |
| 14 | $7,886 | 5.330% | — | 38 | +$905 | |
| 15 | $7,988 | 5.345% | — | 18 | +$1,007 | |
| 16 | $8,006 | 6.010% | — | 26 | +$1,025 | |
| 17 | $8,086 | 6.105% | — | 120 | +$1,105 | |
| 18 | $8,329 | 6.300% | — | 31 | +$1,348 | |
| 19 | $8,515 | 5.300% | — | 28 | +$1,534 | |
| 20 | $9,656 | 5.560% | — | 9 | +$2,675 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | City National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $725,000 | $335,000 | +$390,000 (+116.4%) |
| Median total closing costs | $6,981 | $7,127 | −$146 (−2.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.