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Metro City Bank
Bank|Doraville, GA|Multi-Region
Loans Originated
768
Applications
893
Volume
$270 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+1.984%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,841
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
86.0%
Percentage of applications that result in closed loans
Safe Rate's 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)
Report Card
Metro City Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 11 metro areas · 15 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$352,539
Average Borrower Income
$199,876
Average Property Value
$638,958
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 764 | 99.5% | +1.984% | $4,841 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Mediocre | Sound | 748 | 97.4% | +1.986% | $4,861 |
Refinance | Acceptable | Acceptable | N/A | Sound | 20 | 2.6% | +1.918% | $4,341 |
Geographic Coverage
Metro Areas
10
States Served
15
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALCOCTFLGAILMANCNJNYPASCTXVAWA
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 267Mix: 34.77%
Place Specialization
Strong
2
Atlanta, GAMSA
Volume: 136Mix: 17.71%
Place Specialization
Strong
3
Nassau County, NYMSA
Volume: 52Mix: 6.77%
Place Specialization
Strong
4
Philadelphia, PA, PAMSA
Volume: 36Mix: 4.69%
Place Specialization
Sound
5
Lakewood, NJMSA
Volume: 19Mix: 2.47%
Place Specialization
Sound
6
Albany, NYMSA
Volume: 15Mix: 1.95%
Place Specialization
Sound
7
Rochester, NY, NYMSA
Volume: 15Mix: 1.95%
Place Specialization
Sound
8
Montgomery County, PAMSA
Volume: 13Mix: 1.69%
Place Specialization
Sound
9
Marietta, GA, GAMSA
Volume: 13Mix: 1.69%
Place Specialization
Sound
10
Houston, TXMSA
Volume: 16Mix: 2.08%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 356Mix: 46.35%
Place Specialization
Strong
2
GAState
Volume: 181Mix: 23.57%
Place Specialization
Strong
3
PAState
Volume: 66Mix: 8.59%
Place Specialization
Sound
4
NJState
Volume: 45Mix: 5.86%
Place Specialization
Sound
5
ALState
Volume: 19Mix: 2.47%
Place Specialization
Sound
6
TXState
Volume: 29Mix: 3.78%
Place Specialization
Sound
7
CTState
Volume: 13Mix: 1.69%
Place Specialization
Sound
8
NCState
Volume: 15Mix: 1.95%
Place Specialization
Sound
9
FLState
Volume: 15Mix: 1.95%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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