Metro City Bank: 2025 mortgage rates, costs & approvals
How Metro City Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Metro City Bank · LEI 254900TM81D0YC1B9584
In 2025, Metro City Bank originated 800 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 16 states — 545th by volume among the 2,017 lenders profiled here.
It denied 2.5% of completed home-purchase applications (all lenders: 8.5%).
How Metro City Bank priced home-purchase loans
| Purchase loans, 2025 | Metro City Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +1.97 pts | +0.13 pts |
| Total loan costs · conventional | $9,620 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $4,720 | $1,860 |
| Borrowers paying discount points | 9.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.74% | 0.87% |
| Borrowers receiving lender credits | 0.8% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Metro City Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Metro City Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 450 | 493 | 2.7% | — | $11,460 |
| Georgia | 106 | 111 | 2.9% | — | $6,710 |
| Pennsylvania | 93 | 99 | 0.0% | — | $7,130 |
| New Jersey | 40 | 42 | 4.9% | — | $10,530 |
| Florida | 20 | 23 | 8.7% | — | $7,370 |
| Texas | 19 | 20 | 0.0% | — | — |
| Connecticut | 16 | 17 | — | — | — |
| Virginia | 15 | 17 | — | — | — |
| Alabama | 13 | 13 | — | — | — |
| North Carolina | 11 | 11 | — | — | — |
| Illinois | 6 | 6 | — | — | — |
| South Carolina | 5 | 5 | — | — | — |
| California | 3 | 3 | — | — | — |
| Massachusetts | 2 | 3 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| District of Columbia | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Metro City Bank's page for that state.
Counties where Metro City Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Richmond County, NY | 10 | 90 | 2.7% |
| Queens County, NY | 15 | 154 | 1.8% |
| Kings County, NY | 20 | 79 | 1.1% |
| Alleghany County, VA | 15 | 1 | 0.7% |
| Wise County, VA | 23 | 1 | 0.6% |
Check Metro City Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 254900TM81D0YC1B9584.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Metro City Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology