Lender profile · HMDA 2023–2025
Metro City Bank mortgage approval rates & lending data
Metro City Bank decided 3,689 mortgage applications and funded 3,360 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 2,127 / 2,186 | 95% | $345K | 2,016 |
| Home improvement loans | 98% | 41 / 42 | 90% | $265K | 37 |
| Cash-out refinance | 91% | 63 / 69 | 94% | $305K | 59 |
| Investment property purchase | 97% | 1,244 / 1,286 | 94% | $255K | 1,169 |
| Investment cash-out refinance | 81% | 26 / 32 | 77% | $205K | 20 |
| Investment home improvement | 93% | 43 / 46 | 93% | $215K | 40 |
Metro City Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 96% | $455K | 1,429 | 1,281 |
| Georgia | 97% | $295K | 777 | 709 |
| Pennsylvania | 98% | $155K | 571 | 539 |
| Texas | 96% | $245K | 208 | 193 |
| New Jersey | 96% | $345K | 204 | 182 |
| Florida | 95% | $255K | 161 | 142 |
| Connecticut | 98% | $255K | 54 | 52 |
| Alabama | 98% | $225K | 50 | 44 |
| South Carolina | 98% | $215K | 50 | 47 |
| Massachusetts | 98% | $355K | 46 | 43 |
| North Carolina | 100% | $265K | 46 | 45 |
| Virginia | 98% | $305K | 42 | 40 |
| Illinois | 100% | $265K | 24 | 22 |
| California | 100% | $315K | 14 | 11 |
| Nevada | 75% | $165K | 4 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.