# Metro City Bank

> **Canonical URL:** https://saferate.com/lenders/metro-city-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Metro City Bank is a bank, headquartered in Doraville, GA, serving borrowers across 15 states, with 768 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 99% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900TM81D0YC1B9584
- **Headquarters:** Doraville, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 15
- **State List:** AL, CO, CT, FL, GA, IL, MA, NC, NJ, NY, PA, SC, TX, VA, WA
- **Markets (MSAs):** 11
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 1/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +1.984%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,841
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 768
- **Dollar Volume:** $271 million
- **Applications Received:** 893
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $352,539
- **Average Borrower Income:** $199,876
- **Average Property Value:** $638,958

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 764 | +1.984% | $4,841 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 744 loans, Score: 60/100 (Strong)
- Refinance: 20 loans, Score: 31/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 59/100 | 748 | $265M | +1.986% | Sound ☺️ |
| Refinance | 27/100 | 20 | $6M | +1.918% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 356 | 0.31% | 77/100 |
| GA | 181 | 0.13% | 69/100 |
| PA | 66 | 0.05% | 58/100 |
| NJ | 45 | 0.05% | 56/100 |
| TX | 29 | 0.01% | 44/100 |
| AL | 19 | 0.03% | 46/100 |
| FL | 15 | 0.01% | 37/100 |
| NC | 15 | 0.01% | 40/100 |
| CT | 13 | 0.04% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 267 | 79/100 |
| Atlanta | GA | 136 | 71/100 |
| Nassau County | NY | 52 | 61/100 |
| Philadelphia, PA | PA | 36 | 59/100 |
| Lakewood | NJ | 19 | 48/100 |
| Non |  | 19 | 26/100 |
| Houston | TX | 16 | 43/100 |
| Albany | NY | 15 | 46/100 |
| Rochester, NY | NY | 15 | 46/100 |
| Marietta, GA | GA | 13 | 43/100 |
| Montgomery County | PA | 13 | 44/100 |

## Where This Lender Ranks

Metro City Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#16** in Nassau County Banks
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks)
- 🏆 **#19** in Atlanta Banks
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/banks)
- 🏆 **#20** in Atlanta for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#20** in Nassau County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Metro City Bank offer?

Metro City Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Metro City Bank offer mortgages?

Metro City Bank offers mortgages in 15 states: AL, CO, CT, FL, GA, IL, MA, NC, NJ, NY, PA, SC, TX, VA, WA.

### How competitive are Metro City Bank's mortgage rates?

Metro City Bank has a pricing score of 1/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.984% above market average.

### What type of lender is Metro City Bank?

Metro City Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Doraville, GA.

### What is Metro City Bank's loan approval success rate?

Metro City Bank has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/metro-city-bank

### How to Cite

> "Metro City Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/metro-city-bank

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