Metro City Bank Mortgage Rates, Fees & Info

Doraville, GA

LEI: 254900TM81D0YC1B9584

Tax ID: 76-0819027

3.1 stars - Updated: 11/17/24 - out of 5 stars, based on 34 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Metro City Bank is a smaller bank specializing in Home Purchase loans. Metro City Bank has a high proportion of conventional loans. Their top markets by origination volume include: New York, Atlanta, Philadelphia, Dallas, and Houston among others. We have data for 118 markets. (Some data included below & more in-depth data is available with an active subscription.)

Metro City Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Metro City Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 8.65% 11/17/24
30 Year Conventional Refi 8.57% 11/17/24
30 Year Cash-out Refi 8.19% 11/17/24
15 Year Conventional Purchase 7.34% 11/17/24
15 Year Conventional Refi 7.29% 11/17/24
15 Year Cash-out Refi 7.29% 11/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Metro City Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Metro City Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,123

Origination Dollar Volume (All Markets)

$346,855,000

Awards

Metro City Bank 30 Year Conventional Loans silver
Show all (1) awards

Relative Rate

Metro City Bank's average 30 year fixed mortgage rate was 7.37%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.89%.

Relative Fees (Closing Costs)

Metro City Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $8,286.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 251 $113,795,000 $453,367 $12,170 7.38%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 251 $82,865,000 $330,139 $6,250 7.45%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 137 $27,635,000 $201,715 $7,497 7.29%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 50 $14,240,000 $284,800 $7,869 7.49%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 41 $10,975,000 $267,683 $7,342 7.39%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 26 $6,920,000 $266,154 $6,688 7.52%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 16 $4,450,000 $278,125 $6,868 7.48%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $3,750,000 $468,750 $6,937 7.64%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $3,295,000 $366,111 $10,008 7.29%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 8 $3,040,000 $380,000 $8,816 7.42%
ROCHESTER, NY (FHA|USDA|VA) 14 $2,790,000 $199,286 $7,771 7.25%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 12 $2,550,000 $212,500 $7,722 7.31%
RICHMOND, VA (FHA|USDA|VA) 8 $2,300,000 $287,500 $7,579 7.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $2,275,000 $252,778 $5,056 7.47%
GAINESVILLE, GA (FHA|USDA|VA) 10 $2,270,000 $227,000 $5,128 7.48%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 10 $2,260,000 $226,000 $8,524 7.20%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $2,230,000 $371,667 $9,179 7.44%
Jefferson, GA (FHA|USDA|VA) 9 $2,185,000 $242,778 $5,461 7.47%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 11 $2,105,000 $191,364 $6,530 7.07%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 10 $2,070,000 $207,000 $6,055 7.49%
SAVANNAH, GA (FHA|USDA|VA) 9 $2,065,000 $229,444 $6,197 7.33%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 5 $1,975,000 $395,000 $7,026 7.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 6 $1,920,000 $320,000 $6,720 7.25%
SYRACUSE, NY (FHA|USDA|VA) 10 $1,890,000 $189,000 $7,417 7.15%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,875,000 $375,000 $9,371 7.40%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $1,775,000 $253,571 $8,779 7.30%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $1,565,000 $1,565,000 $0 9.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,500,000 $250,000 $6,535 7.29%
COLUMBIA, SC (FHA|USDA|VA) 6 $1,280,000 $213,333 $5,816 7.31%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $1,210,000 $201,667 $6,868 7.52%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,765 7.40%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 5 $1,105,000 $221,000 $8,317 7.60%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,090,000 $272,500 $6,395 7.44%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $1,060,000 $176,667 $4,857 7.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,040,000 $260,000 $6,373 7.53%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,005,000 $335,000 $7,267 7.33%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $825,000 $275,000 $8,090 7.50%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $795,000 $265,000 $7,264 7.29%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $770,000 $192,500 $8,906 7.28%
Torrington, CT (FHA|USDA|VA) 1 $755,000 $755,000 $15,067 7.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $750,000 $375,000 $7,517 7.31%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $740,000 $370,000 $7,685 7.31%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $740,000 $370,000 $9,787 7.13%
EAST STROUDSBURG, PA (FHA|USDA|VA) 4 $730,000 $182,500 $5,759 7.31%
READING, PA (FHA|USDA|VA) 5 $725,000 $145,000 $6,015 7.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $720,000 $180,000 $5,283 7.50%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $710,000 $355,000 $8,725 7.50%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $695,000 $139,000 $5,735 7.40%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $680,000 $170,000 $7,559 7.28%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $675,000 $225,000 $4,844 7.42%
Outside of Metro Areas 4 $630,000 $157,500 $6,702 7.19%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $605,000 $201,667 $5,174 7.46%
LYNCHBURG, VA (FHA|USDA|VA) 3 $595,000 $198,333 $4,806 7.25%
PITTSBURGH, PA (FHA|USDA|VA) 3 $595,000 $198,333 $7,840 7.21%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $560,000 $280,000 $0 7.19%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $535,000 $178,333 $4,776 7.33%
PANAMA CITY, FL (FHA|USDA|VA) 2 $470,000 $235,000 $6,793 7.31%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $455,000 $455,000 $10,763 7.25%
LEBANON, PA (FHA|USDA|VA) 2 $450,000 $225,000 $7,425 7.69%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $445,000 $445,000 $9,145 7.38%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $440,000 $220,000 $6,631 7.63%
BOULDER, CO (FHA|USDA|VA) 1 $435,000 $435,000 $10,351 7.13%
LaGrange, GA-AL (FHA|USDA|VA) 2 $430,000 $215,000 $5,240 7.44%
Milledgeville, GA (FHA|USDA|VA) 2 $400,000 $200,000 $3,832 7.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $395,000 $395,000 $0 7.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $370,000 $185,000 $0 7.50%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $365,000 $121,667 $5,076 7.25%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $350,000 $175,000 $6,859 7.25%
Lake City, FL (FHA|USDA|VA) 2 $350,000 $175,000 $6,115 7.19%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $340,000 $170,000 $0 7.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $0 8.00%
Toccoa, GA (FHA|USDA|VA) 2 $330,000 $165,000 $5,388 7.31%
MONTGOMERY, AL (FHA|USDA|VA) 1 $325,000 $325,000 $6,717 7.38%
AMARILLO, TX (FHA|USDA|VA) 1 $315,000 $315,000 $7,602 7.38%
VALLEJO, CA (FHA|USDA|VA) 1 $315,000 $315,000 $7,489 7.38%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $310,000 $155,000 $4,672 7.50%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $6,340 7.38%
Wilson, NC (FHA|USDA|VA) 1 $305,000 $305,000 $6,123 7.38%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $295,000 $295,000 $7,573 7.25%
WALLA WALLA, WA (FHA|USDA|VA) 1 $295,000 $295,000 $8,747 7.00%
Ozark, AL (FHA|USDA|VA) 1 $275,000 $275,000 $5,337 7.38%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $275,000 $275,000 $5,819 7.38%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $265,000 $265,000 $6,179 7.25%
MOBILE, AL (FHA|USDA|VA) 1 $255,000 $255,000 $5,559 7.38%
WACO, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.63%
LANCASTER, PA (FHA|USDA|VA) 1 $235,000 $235,000 $6,826 7.38%
Calhoun, GA (FHA|USDA|VA) 1 $235,000 $235,000 $5,767 7.38%
Orangeburg, SC (FHA|USDA|VA) 1 $225,000 $225,000 $5,773 8.00%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $225,000 $225,000 $7,457 7.13%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $225,000 $225,000 $0 7.38%
Statesboro, GA (FHA|USDA|VA) 1 $215,000 $215,000 $5,429 7.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,598 7.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.38%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $205,000 $205,000 $7,286 7.13%
Alexander City, AL (FHA|USDA|VA) 2 $200,000 $100,000 $0 7.31%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.25%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.00%
Albertville, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,808 7.38%
Scottsboro, AL (FHA|USDA|VA) 1 $175,000 $175,000 $4,960 7.75%
UTICA-ROME, NY (FHA|USDA|VA) 2 $160,000 $80,000 $5,269 7.75%
Bay City, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,342 7.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.00%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,505 7.38%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 8.00%
Moultrie, GA (FHA|USDA|VA) 1 $135,000 $135,000 $4,198 7.38%
DALTON, GA (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.00%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $125,000 $125,000 $3,878 7.38%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.38%
KINGSTON, NY (FHA|USDA|VA) 1 $115,000 $115,000 $5,758 7.38%
Bainbridge, GA (FHA|USDA|VA) 1 $115,000 $115,000 $4,503 7.63%
TYLER, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,097 7.25%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $5,591 7.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.38%
Troy, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.00%
Cortland, NY (FHA|USDA|VA) 1 $95,000 $95,000 $4,453 7.13%
BRUNSWICK, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.25%
Metro City Bank's top markets include New York, Atlanta, Philadelphia, Dallas, and Houston among others.

Their top states include:
  • New York (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,123 $346,855,000 $308,865 $8,289 7.39%

    For 2023, Metro City Bank's most frequently originated type of loan was Conventional, with 1,123 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,043 $318,095,000 $304,981 $8,277 7.39%
    Cash Out Refi 28 $10,030,000 $358,214 $8,674 7.46%
    Home Improvement 23 $5,155,000 $224,130 $7,017 7.43%
    Other 21 $8,385,000 $399,286 $8,976 7.45%
    Refi 8 $5,190,000 $648,750 $7,965 7.91%

    For 2023, Metro City Bank's most frequently cited loan purpose was Home Purchase, with 1,043 originations. The 2nd most popular reason was Cash Out Refi, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,091 $323,565,000 $296,577 $8,286 7.37%
    15 Year 28 $7,790,000 $278,214 $8,416 8.25%
    10 Year 2 $13,540,000 $6,770,000 $0 6.75%
    5 Year 1 $355,000 $355,000 $0 8.75%
    Other 1 $1,605,000 $1,605,000 $0 8.50%

    For 2023, Metro City Bank's most frequently cited loan duration was 30 Year, with 1,091 originations. The 2nd most popular length was 15 Year, with 28 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $3k-4k 208 $55,340,000 $266,058
    $5k+ 172 $88,620,000 $515,233
    $2k-3k 139 $25,965,000 $186,799
    $4k-5k 126 $43,620,000 $346,190
    $1k-2k 40 $4,520,000 $113,000
    $<1k 1 $95,000 $95,000

    Metro City Bank's average total fees were $8,286, while their most frequently occuring range of origination fees (closing costs) were in the $3k-4k bucket, with 208 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 969 $289,165,000 $298,416
    6-7% 115 $30,935,000 $269,000
    Over 8% 38 $14,780,000 $388,947
    4-5% 1 $11,975,000 $11,975,000

    During 2023, Metro City Bank's average interest rate for loans was 7.37%, while their most frequently originated rate bucket for loans was 7-8%, with 969 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 583 $166,365,000 $285,360 $7,646 7.40%
    $100k-200k 296 $45,160,000 $152,568 $5,430 7.36%
    $400k-600k 164 $79,050,000 $482,012 $11,308 7.40%
    $600k-1MM 47 $35,615,000 $757,766 $16,093 7.38%
    $100,000 or less 27 $2,275,000 $84,259 $4,232 7.48%
    $1MM+ 6 $18,390,000 $3,065,000 $20,847 7.33%

    2023 saw Metro City Bank place emphasis on $200k-400k loans with 583 originations, totaling $166,365,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 449 $138,965,000 $309,499 $9,087 7.36%
    $100k-150k 267 $64,225,000 $240,543 $7,126 7.42%
    $250k+ 260 $103,660,000 $398,692 $11,915 7.41%
    $75k-100k 98 $17,850,000 $182,143 $5,520 7.40%
    $50k-75k 28 $3,750,000 $133,929 $4,637 7.39%
    $50k or less 1 $125,000 $125,000 $4,156 7.38%

    Metro City Bank lent most frequently to those with incomes in the $150k-250k range, with 449 originations. The second most popular income band? $100k-150k, with 267 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 361 $110,795,000 $306,911 $8,415 7.39%
    20-30% 231 $54,725,000 $236,905 $7,491 7.38%
    <20% 102 $19,930,000 $195,392 $6,376 7.33%
    37% 81 $26,575,000 $328,086 $8,814 7.40%
    38% 76 $25,860,000 $340,263 $8,860 7.43%
    36% 74 $25,120,000 $339,459 $8,968 7.39%
    39% 60 $21,090,000 $351,500 $9,258 7.45%
    40% 46 $17,160,000 $373,043 $8,174 7.42%
    41% 36 $15,910,000 $441,944 $10,659 7.38%
    42% 36 $11,410,000 $316,944 $7,897 7.43%

    Metro City Bank lent most frequently to those with DTI ratios of 30-36%, with 361 originations. The next most common DTI ratio? 20-30%, with 231 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Asian 1,077 $319,135,000 $296,318 $8,238 7.39%
    Not applicable 20 $18,280,000 $914,000 $0 7.58%
    White 22 $7,920,000 $360,000 $10,387 7.56%
    Black 1 $755,000 $755,000 $15,067 7.38%
    Chinese 1 $325,000 $325,000 $0 7.38%
    Vietnamese 1 $295,000 $295,000 $6,317 7.63%
    Not provided 1 $145,000 $145,000 $0 8.00%

    Approval Rates

    Total approvals of all applications
    96.88%

    Metro City Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    87.18%

    Metro City Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,123 $346,855,000 $308,865

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,123 $346,855,000 $308,865

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 75 $14,605,000 $194,733 $6,915 7.36%
    40-60% 417 $146,515,000 $351,355 $9,123 7.36%
    60-80% 629 $184,065,000 $292,631 $7,936 7.42%
    Under 20% 2 $1,670,000 $835,000 $4,382 8.63%