Metro City Bank mortgage approval rate & lending review
Metro City Bank decided 3,689 mortgage applications and funded 3,360 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Metro City Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Metro City Bank at a glance
Approval is 10.4 points above the 86.3% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Metro City Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Queens County, NY | Mortgage lenders | 95% | 358 | 321 |
| Philadelphia County, PA | Investment property purchase | 98% | 245 | 235 |
| Gwinnett County, GA | Mortgage lenders | 98% | 236 | 217 |
| Richmond County, NY | Mortgage lenders | 98% | 192 | 184 |
| Gwinnett County, GA | Investment property purchase | 96% | 187 | 172 |
| Kings County, NY | Mortgage lenders | 94% | 178 | 151 |
| Nassau County, NY | Mortgage lenders | 98% | 139 | 127 |
| Queens County, NY | Investment property purchase | 98% | 139 | 121 |
| Kings County, NY | Investment property purchase | 95% | 55 | 51 |
| Monroe County, NY | Mortgage lenders | 100% | 35 | 35 |
| Richmond County, NY | Investment property purchase | 100% | 37 | 34 |
| Nassau County, NY | Investment property purchase | 96% | 27 | 25 |
The county markets where Metro City Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Metro City Bank
What is Metro City Bank's mortgage approval rate?
Metro City Bank approved 96.7% of the 3,689 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Metro City Bank offers?
Borrowers accepted 94% of the loans Metro City Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Metro City Bank make?
The typical home purchase mortgage loan Metro City Bank made was $345K; across all loan types its typical loan ran from $205K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Metro City Bank lend?
Metro City Bank decided applications in 19 of the states Fat Boy Data covers, most of them in New York, Georgia and Pennsylvania.
Can I apply to Metro City Bank directly?
Yes. Metro City Bank is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Metro City Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Metro City Bank treats applications, then get a rate quote from the lender.