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Metro City Bank

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We analyzed every closed loan from Metro City Bank — 768 loans across 893 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Multi-Region · 10 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Rates typically 198 basis points above market average
  • Higher than average fees ($4,841)

Explore another lender or local market

Report Card

Metro City Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+198.4 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 11 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume764
Mix99.5%
Spread
+1.984%Above
Fees
$4,841Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume748
Mix97.4%
Spread
+1.986%Above
Fees
$4,861Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume20
Mix2.6%
Spread
+1.918%Above
Fees
$4,341Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
768
Applications
893
Volume
$270 million
Pricing & Closing
Avg Rate Spread
+1.984%
vs. market APOR
Avg Net Fees
$4,841
Origination − Credits
Pullthrough Rate
86.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$352,539
Avg Borrower Income
$199,876
Avg Property Value
$638,958

Geographic Coverage

Geographic Performance

Metro Areas
10
markets with activity
States Served
15
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

15
15 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast5
CTMANJNYPA
Midwest1
IL
South7
ALFLGANCSCTXVA
West2
COWA

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 267Mix 34.77% of portfolio
79/100
Strong
2© Warren LeMay from Cincinnati, OH, United States · CC0
Atlanta, GAMetro
Volume 136Mix 17.71% of portfolio
71/100
Strong
3© Dicklyon · CC BY-SA 4.0
Nassau County, NYMetro
Volume 52Mix 6.77% of portfolio
61/100
Strong
4© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 36Mix 4.69% of portfolio
59/100
Sound
5© Mr. Matté · CC BY-SA 4.0
Lakewood, NJMetro
Volume 19Mix 2.47% of portfolio
48/100
Sound
6© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, NYMetro
Volume 15Mix 1.95% of portfolio
46/100
Sound
7© Theresa Marconi · CC BY-SA 3.0
Rochester, NYMetro
Volume 15Mix 1.95% of portfolio
46/100
Sound
8© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 13Mix 1.69% of portfolio
44/100
Sound
9© Bubba73 · CC BY-SA 3.0
Marietta, GAMetro
Volume 13Mix 1.69% of portfolio
43/100
Sound
10© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 16Mix 2.08% of portfolio
43/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 356Mix 46.35% of portfolio
77/100
Strong
Georgia
Georgia
2
GeorgiaState
Volume 181Mix 23.57% of portfolio
69/100
Strong
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 66Mix 8.59% of portfolio
58/100
Sound
New Jersey
New Jersey
4
New JerseyState
Volume 45Mix 5.86% of portfolio
56/100
Sound
Alabama
Alabama
5
AlabamaState
Volume 19Mix 2.47% of portfolio
46/100
Sound
Texas
Texas
6
TexasState
Volume 29Mix 3.78% of portfolio
44/100
Sound
Connecticut
Connecticut
7
ConnecticutState
Volume 13Mix 1.69% of portfolio
42/100
Sound
North Carolina
North Carolina
8
North CarolinaState
Volume 15Mix 1.95% of portfolio
40/100
Sound
Florida
Florida
9
FloridaState
Volume 15Mix 1.95% of portfolio
37/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.