City National Bank of Florida Mortgage Lending & HMDA Data, 2025

In 2025, City National Bank of Florida of Miami, FL reported 1,809 mortgage applications totaling $2.1 billion, up 45% from 2024. The average application was for $1,159,405, and applicants reported an average income of $362,493. 66% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Miami-Miami Beach-Kendall, FL (441), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (267) and Athens-Clarke County, GA (171) (applications in parentheses).

Mortgage Company & Address City National Bank of Florida
25 West Flagler Street
Miami, FL 33131
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,809
Total Mortgage Loan Application Amount $2,097,365,000
Average Mortgage Loan Application Amount $1,159,405
Highest Mortgage Loan Application Amount $63,105,000
Average Applicant Income $362,493
Highest Applicant Income $8,405,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City National Bank of Florida filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for City National Bank of Florida by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Miami-Dade, Florida 441 $ 1,026,455,000 $ 2,327,562 $ 716,000
Broward, Florida 267 $ 238,805,000 $ 894,400 $ 269,000
Palm Beach, Florida 137 $ 192,195,000 $ 1,402,883 $ 337,000
Clarke, Georgia 86 $ 25,580,000 $ 297,441 $ 155,000
Oconee, Georgia 58 $ 26,270,000 $ 452,931 $ 178,000
Leon, Florida 46 $ 14,010,000 $ 304,565 $ 121,000
Baldwin, Alabama 40 $ 11,780,000 $ 294,500 $ 112,000
Walton, Georgia 28 $ 10,670,000 $ 381,071 $ 163,000
Escambia, Florida 26 $ 6,900,000 $ 265,384 $ 102,000
Jackson, Georgia 24 $ 8,340,000 $ 347,500 $ 138,000
Orange, Florida 23 $ 14,915,000 $ 648,478 $ 379,000
Barrow, Georgia 23 $ 8,265,000 $ 359,347 $ 128,000
Hart, Georgia 23 $ 6,705,000 $ 291,521 $ 102,000
Hillsborough, Florida 21 $ 35,105,000 $ 1,671,666 $ 236,000
Lee, Florida 20 $ 9,230,000 $ 461,500 $ 224,000
Santa Rosa, Florida 20 $ 6,850,000 $ 342,500 $ 217,000
Osceola, Florida 19 $ 6,475,000 $ 340,789 $ 104,000
Lake, Florida 16 $ 9,700,000 $ 606,250 $ 307,000
Madison, Georgia 16 $ 4,840,000 $ 302,500 $ 100,000
Monroe, Florida 15 $ 29,325,000 $ 1,955,000 $ 1,369,000
Polk, Florida 15 $ 4,215,000 $ 281,000 $ 87,000
Franklin, Georgia 15 $ 3,685,000 $ 245,666 $ 115,000
Indian River, Florida 13 $ 4,985,000 $ 383,461 $ 169,000
Duval, Florida 12 $ 6,240,000 $ 520,000 $ 264,000
Elbert, Georgia 12 $ 2,220,000 $ 185,000 $ 62,000
Gwinnett, Georgia 12 $ 4,670,000 $ 389,166 $ 159,000
Oglethorpe, Georgia 11 $ 3,855,000 $ 350,454 $ 118,000
Collier, Florida 10 $ 10,830,000 $ 1,083,000 $ 577,000
Okaloosa, Florida 10 $ 2,650,000 $ 265,000 $ 96,000
Fulton, Georgia 10 $ 3,000,000 $ 300,000 $ 225,000
Suffolk, New York 10 $ 6,830,000 $ 683,000 $ 283,000
Wakulla, Florida 9 $ 2,345,000 $ 260,555 $ 121,000
Morgan, Georgia 9 $ 2,985,000 $ 331,666 $ 106,000
Mobile, Alabama 8 $ 2,410,000 $ 301,250 $ 72,000
Pitkin, Colorado 8 $ 51,250,000 $ 6,406,250 $ 3,062,000
Pasco, Florida 8 $ 5,830,000 $ 728,750 $ 269,000
St. Johns, Florida 8 $ 5,450,000 $ 681,250 $ 243,000
St. Lucie, Florida 8 $ 2,440,000 $ 305,000 $ 133,000
Seminole, Florida 7 $ 2,315,000 $ 330,714 $ 104,000
Nassau, New York 7 $ 6,395,000 $ 913,571 $ 346,000
Brevard, Florida 6 $ 2,020,000 $ 336,666 $ 192,000
DeKalb, Georgia 6 $ 2,660,000 $ 443,333 $ 125,000
Hall, Georgia 6 $ 2,570,000 $ 428,333 $ 127,000
Martin, Florida 5 $ 5,735,000 $ 1,147,000 $ 712,000
Volusia, Florida 5 $ 1,825,000 $ 365,000 $ 147,000
Greene, Georgia 5 $ 3,095,000 $ 619,000 $ 186,000
Newton, Georgia 5 $ 1,605,000 $ 321,000 $ 110,000
San Bernardino, California 4 $ 1,860,000 $ 465,000 $ 82,000
Alachua, Florida 4 $ 1,210,000 $ 302,500 $ 198,000
Clay, Florida 4 $ 1,460,000 $ 365,000 $ 107,000
Marion, Florida 4 $ 1,880,000 $ 470,000 $ 151,000
Pinellas, Florida 4 $ 2,590,000 $ 647,500 $ 220,000
Sarasota, Florida 4 $ 7,620,000 $ 1,905,000 $ 356,000
Coweta, Georgia 4 $ 1,720,000 $ 430,000 $ 146,000
Forsyth, Georgia 4 $ 1,680,000 $ 420,000 $ 123,000
Pulaski, Georgia 4 $ 1,260,000 $ 315,000 $ 85,000
Richmond, Georgia 4 $ 3,460,000 $ 865,000 $ 51,000
New York, New York 4 $ 18,320,000 $ 4,580,000 $ 1,642,000
Cuyahoga, Ohio 4 $ 740,000 $ 185,000 $ 182,000
Summit, Ohio 4 $ 1,220,000 $ 305,000 $ 181,000
Charlotte, Florida 3 $ 675,000 $ 225,000 $ 389,000
Hernando, Florida 3 $ 1,995,000 $ 665,000 $ 351,000
Manatee, Florida 3 $ 1,125,000 $ 375,000 $ 165,000
Sumter, Florida 3 $ 1,315,000 $ 438,333 $ 227,000
Glynn, Georgia 3 $ 1,805,000 $ 601,666 $ 173,000
Habersham, Georgia 3 $ 725,000 $ 241,666 $ 68,000
Houston, Georgia 3 $ 955,000 $ 318,333 $ 145,000
Laurens, Georgia 3 $ 545,000 $ 181,666 $ 73,000
Lumpkin, Georgia 3 $ 885,000 $ 295,000 $ 97,000
Rockdale, Georgia 3 $ 735,000 $ 245,000 $ 95,000
Stephens, Georgia 3 $ 855,000 $ 285,000 $ 98,000
Monmouth, New Jersey 3 $ 10,375,000 $ 3,458,333 $ 5,302,000
Anderson, South Carolina 3 $ 835,000 $ 278,333 $ 90,000
Los Angeles, California 2 $ 15,990,000 $ 7,995,000 $ 4,200,000
Northeastern Connecticut Planning Region, Connecticut 2 $ 1,070,000 $ 535,000 $ 1,144,000
Bay, Florida 2 $ 660,000 $ 330,000 $ 173,000
Franklin, Florida 2 $ 1,330,000 $ 665,000 $ 233,000
Gadsden, Florida 2 $ 500,000 $ 250,000 $ 114,000
Walton, Florida 2 $ 530,000 $ 265,000 $ 99,000
Ben Hill, Georgia 2 $ 390,000 $ 195,000 $ 72,000
Bleckley, Georgia 2 $ 380,000 $ 190,000 $ 68,000
Cobb, Georgia 2 $ 590,000 $ 295,000 $ 110,000
Dawson, Georgia 2 $ 600,000 $ 300,000 $ 149,000
Douglas, Georgia 2 $ 370,000 $ 185,000 $ 54,000
Floyd, Georgia 2 $ 620,000 $ 310,000 $ 146,000
McDuffie, Georgia 2 $ 340,000 $ 170,000 $ 65,000
Putnam, Georgia 2 $ 6,590,000 $ 3,295,000 $ 705,000
Seminole, Georgia 2 $ 370,000 $ 185,000 $ 130,000
White, Georgia 2 $ 360,000 $ 180,000 $ 54,000
Montgomery, Maryland 2 $ 2,690,000 $ 1,345,000 $ 840,000
Middlesex, Massachusetts 2 $ 1,420,000 $ 710,000 $ 2,081,000
Worcester, Massachusetts 2 $ 940,000 $ 470,000 $ 715,000
Berrien, Michigan 2 $ 3,970,000 $ 1,985,000 $ 1,964,000
St. Louis, Missouri 2 $ 450,000 $ 225,000 $ 229,000
Buffalo, Nebraska 2 $ 590,000 $ 295,000 $ 101,000
Jackson, North Carolina 2 $ 1,840,000 $ 920,000 $ 382,000
Macon, North Carolina 2 $ 570,000 $ 285,000 $ 110,000
Berkeley, South Carolina 2 $ 1,860,000 $ 930,000 $ 250,000
Horry, South Carolina 2 $ 840,000 $ 420,000 $ 117,000
Lexington, South Carolina 2 $ 590,000 $ 295,000 $ 110,000
Oconee, South Carolina 2 $ 2,610,000 $ 1,305,000 $ 2,513,000
Davidson, Tennessee 2 $ 13,970,000 $ 6,985,000 $ 0
Harris, Texas 2 $ 1,500,000 $ 750,000 $ 446,000
Blount, Alabama 1 $ 175,000 $ 175,000 $ 51,000
Jefferson, Alabama 1 $ 345,000 $ 345,000 $ 70,000
Tallapoosa, Alabama 1 $ 785,000 $ 785,000 $ 270,000
Contra Costa, California 1 $ 1,015,000 $ 1,015,000 $ 443,000
Placer, California 1 $ 635,000 $ 635,000 $ 127,000
Riverside, California 1 $ 455,000 $ 455,000 $ 207,000
Santa Clara, California 1 $ 1,085,000 $ 1,085,000 $ 720,000
Douglas, Colorado 1 $ 645,000 $ 645,000 $ 187,000
Jefferson, Colorado 1 $ 1,275,000 $ 1,275,000 $ 4,200,000
Western Connecticut Planning Region, Connecticut 1 $ 13,655,000 $ 13,655,000 $ 0
Dixie, Florida 1 $ 195,000 $ 195,000 $ 63,000
Flagler, Florida 1 $ 295,000 $ 295,000 $ 1,109,000
Nassau, Florida 1 $ 1,005,000 $ 1,005,000 $ 228,000
Bacon, Georgia 1 $ 165,000 $ 165,000 $ 47,000
Bartow, Georgia 1 $ 275,000 $ 275,000 $ 69,000
Berrien, Georgia 1 $ 115,000 $ 115,000 $ 37,000
Butts, Georgia 1 $ 245,000 $ 245,000 $ 115,000
Camden, Georgia 1 $ 225,000 $ 225,000 $ 90,000
Chatham, Georgia 1 $ 245,000 $ 245,000 $ 336,000
Colquitt, Georgia 1 $ 165,000 $ 165,000 $ 52,000
Columbia, Georgia 1 $ 1,405,000 $ 1,405,000 $ 0
Fannin, Georgia 1 $ 385,000 $ 385,000 $ 376,000
Fayette, Georgia 1 $ 275,000 $ 275,000 $ 61,000
Haralson, Georgia 1 $ 235,000 $ 235,000 $ 70,000
Henry, Georgia 1 $ 385,000 $ 385,000 $ 82,000
Jasper, Georgia 1 $ 335,000 $ 335,000 $ 150,000
Polk, Georgia 1 $ 505,000 $ 505,000 $ 162,000
Thomas, Georgia 1 $ 165,000 $ 165,000 $ 79,000
Union, Georgia 1 $ 325,000 $ 325,000 $ 184,000
Sullivan, Indiana 1 $ 45,000 $ 45,000 $ 87,000
Bullitt, Kentucky 1 $ 435,000 $ 435,000 $ 181,000
Fayette, Kentucky 1 $ 825,000 $ 825,000 $ 693,000
Baltimore City, Maryland 1 $ 95,000 $ 95,000 $ 234,000
Mineral, Montana 1 $ 245,000 $ 245,000 $ 175,000
Douglas, Nevada 1 $ 1,505,000 $ 1,505,000 $ 0
Ocean, New Jersey 1 $ 845,000 $ 845,000 $ 323,000
Bernalillo, New Mexico 1 $ 665,000 $ 665,000 $ 213,000
Kings, New York 1 $ 2,565,000 $ 2,565,000 $ 0
Bladen, North Carolina 1 $ 225,000 $ 225,000 $ 66,000
Buncombe, North Carolina 1 $ 305,000 $ 305,000 $ 901,000
Cabarrus, North Carolina 1 $ 975,000 $ 975,000 $ 560,000
Henderson, North Carolina 1 $ 365,000 $ 365,000 $ 145,000
Mecklenburg, North Carolina 1 $ 505,000 $ 505,000 $ 149,000
Moore, North Carolina 1 $ 335,000 $ 335,000 $ 98,000
Pender, North Carolina 1 $ 315,000 $ 315,000 $ 86,000
Transylvania, North Carolina 1 $ 285,000 $ 285,000 $ 60,000
Wake, North Carolina 1 $ 215,000 $ 215,000 $ 0
Montgomery, Ohio 1 $ 385,000 $ 385,000 $ 78,000
Allegheny, Pennsylvania 1 $ 305,000 $ 305,000 $ 300,000
Montgomery, Pennsylvania 1 $ 655,000 $ 655,000 $ 473,000
Wayne, Pennsylvania 1 $ 185,000 $ 185,000 $ 240,000
Newport, Rhode Island 1 $ 605,000 $ 605,000 $ 416,000
Beaufort, South Carolina 1 $ 465,000 $ 465,000 $ 298,000
Charleston, South Carolina 1 $ 235,000 $ 235,000 $ 102,000
Greenville, South Carolina 1 $ 465,000 $ 465,000 $ 160,000
McCormick, South Carolina 1 $ 375,000 $ 375,000 $ 77,000
Richland, South Carolina 1 $ 335,000 $ 335,000 $ 131,000
Hamilton, Tennessee 1 $ 195,000 $ 195,000 $ 42,000
Rutherford, Tennessee 1 $ 815,000 $ 815,000 $ 806,000
Sevier, Tennessee 1 $ 405,000 $ 405,000 $ 0
Sumner, Tennessee 1 $ 535,000 $ 535,000 $ 175,000
Washington, Tennessee 1 $ 355,000 $ 355,000 $ 122,000
Travis, Texas 1 $ 1,475,000 $ 1,475,000 $ 400,000
Summit, Utah 1 $ 18,625,000 $ 18,625,000 $ 8,405,000
Caroline, Virginia 1 $ 495,000 $ 495,000 $ 125,000
Henrico, Virginia 1 $ 225,000 $ 225,000 $ 310,000
Virginia Beach, Virginia 1 $ 245,000 $ 245,000 $ 76,000

Mortgage Loan Application Detail Totals for City National Bank of Florida in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 1,466 $1,610,790,000 $1,098,000 $63,105,000 $341,000 $8,405,000
Cash-out Refinancing 132 $240,090,000 $1,818,000 $30,005,000 $416,000 $4,062,000
Refinancing 122 $132,140,000 $1,083,000 $14,605,000 $471,000 $7,841,000
Other Purpose 57 $91,315,000 $1,602,000 $21,005,000 $574,000 $5,840,000
Home Improvement 32 $23,030,000 $719,000 $4,705,000 $336,000 $2,201,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 717 $724,175,000 $1,010,000 $63,105,000 $414,000 $8,405,000
Hispanic 425 $388,545,000 $914,000 $18,005,000 $447,000 $7,675,000
Not Provided 394 $266,270,000 $675,000 $21,005,000 $245,000 $4,200,000
Not applicable 135 $662,575,000 $4,907,000 $60,005,000 $0 $0
Black or African American 102 $34,400,000 $337,000 $2,735,000 $139,000 $2,368,000
Asian 33 $19,955,000 $604,000 $1,905,000 $263,000 $1,407,000
American Indian or Alaskan Native 3 $1,445,000 $481,000 $1,025,000 $143,000 $216,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,497 $1,989,435,000 $1,328,000 $63,105,000 $421,000 $8,405,000
FHA-insured (Federal Housing Administration) 232 $74,620,000 $321,000 $645,000 $100,000 $465,000
VA-guaranteed (Veterans Administration) 69 $29,955,000 $434,000 $1,055,000 $129,000 $302,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $3,355,000 $305,000 $435,000 $94,000 $151,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,199 $1,355,545,000 $1,130,000 $63,105,000 $358,000 $8,405,000
Application Withdrawn By Applicant 376 $411,570,000 $1,094,000 $30,005,000 $414,000 $7,000,000
Application Denied By Financial Institution 144 $190,630,000 $1,323,000 $36,005,000 $240,000 $2,407,000
File Closed For Incompleteness 86 $128,530,000 $1,494,000 $21,005,000 $348,000 $1,700,000
Application Approved But Not Accepted 4 $11,090,000 $2,772,000 $9,225,000 $488,000 $1,295,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,665 $1,906,735,000 $1,145,000 $63,105,000 $371,000 $8,405,000
Debt-To-Income Ratio 68 $147,930,000 $2,175,000 $36,005,000 $250,000 $2,407,000
Collateral 39 $23,335,000 $598,000 $3,085,000 $277,000 $1,887,000
Credit History 23 $15,335,000 $666,000 $3,755,000 $241,000 $2,138,000
Other 9 $2,005,000 $222,000 $395,000 $75,000 $140,000
Unverifiable Information 2 $410,000 $205,000 $315,000 $69,000 $138,000
Employment History 2 $1,110,000 $555,000 $605,000 $229,000 $265,000
Insufficient Cash (Downpayment, Closing Cost) 1 $505,000 $505,000 $505,000 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into City National Bank of Florida's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess City National Bank of Florida's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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