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Mortgage Loans

Whether you’re purchasing a home, buying a vacation property or refinancing, City National Bank may be able to help you find the right mortgage to meet your needs.

Enjoy Relationship Discounts

Get more benefits on your way up. Get special relationship discounts on your next mortgage rate starting at 0.35%.1

interest rate discount

in qualifying assets

interest rate discount

in qualifying assets

interest rate discount

in qualifying assets

interest rate discount

in qualifying assets

Take your first step toward a new home.

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Loans that make you feel right at home.

Stepping through the threshold of your new home starts with the right mortgage loan. City National offers a variety of home loan options and a dedicated team to streamline your home buying process.

White-glove service — from start to finish.

Buying a home shouldn't feel like a second job. That's why a dedicated Residential Loan Consultant will walk you through every step of the home buying process, from opening an application to opening your new front door.

Flexibility and customization.

Your mortgage has to make sense for you and your financial situation. We consider each application on a case-by-case basis, weighing several factors to determine whether we can help you buy a new home or refinance an existing mortgage.

Features & Benefits

Jumbo & Super-jumbo Loans

We offer conventional, jumbo and super-jumbo mortgages with loan amounts up to $15 million. City National can also lend to trusts and LLCs.2

Fixed Rate, Adjustable Rate & Interest Only

We offer fixed and adjustable-rate mortgages (ARMs), including interest-only loans and fully amortizing payments.3

Fast & Efficient Closings

Our efficient loan origination process makes for a quick closing so you can get in your new home even faster.


No Prepayment Penalty

If you choose to pay off your loan early, either in full or in part, you will not be assessed any penalties or fines.



Below is a list of items you will need to provide in order to get through the process quickly. Additional documentation may be required.

  • Income documentation, including tax returns and/or a copy of your paycheck statement for the most recent 30-day period. Or, for self-employed applicants, a current, year-to-date profit and loss statement and balance sheet.
  • Asset documentation, including most recent two months' account statements for bank deposit accounts, investment and brokerage accounts, and retirement accounts.
  • Property documentation, including a complete copy of the purchase contract and/or the official name and address of the co-op board or HOA, including the property management company name and managing agent, phone number and address.
  • Insurance documentation for refinances, including a copy of the declarations page of your homeowners insurance policy or insurance agent contact information and, if applicable, evidence of flood insurance.

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" or modification of loan terms. City National Bank determines eligibility for loan "workouts" on a case-by- case basis. If you are interested in exploring any of the options listed above, you will need to contact our Client Service Department at (800) 700-6901.

Since first taking on your existing mortgage, your needs may have changed. With a mortgage refinance, you may be able to lower your monthly payments, take cash out, or pay off your home loan sooner (although you may pay more in interest in the long run).

Our residential lending solutions support your evolving goals so that no matter where life takes you, you’ll always have a place to call home.

A jumbo loan is a type of financing that exceeds Federal Housing Finance Agency limits. This type of loan cannot be purchased or securitized by Fannie Mae or Freddie Mac.

Qualifying requirements for jumbo loans may not be the same as conventional loans.

Tap into the equity in your home.

Give yourself the financial flexibility you deserve. Tap into the equity in your home for convenient borrowing with a home equity line of credit.

All loans and lines of credit are subject to credit and property review and approval. Loans must be secured by a first lien on a 1-4 family residential dwelling. Additional terms and conditions apply. Not all applicants will qualify. All stated APRs, margins, and discounts are subject to change without notice.

1. Not all assets will qualify. To receive the relationship discount, assets must be in an eligible City National or RBC account (or an automated customer account transfer agreement must be in place) before the Closing Disclosure is issued. For adjustable-rate loans, the relationship discount applies only during the initial fixed-rate period.

2. Additional fees may apply.

3. For ARMs, interest rates and payments may increase after the initial fixed-rate period based on an index published by the Federal Reserve Board and a margin specific to your transaction. Any adjustment may significantly impact your monthly payment. The amount of any increase in rate has a maximum of 5%.