Metro City Bank Mortgage Rates, Fees & Info
Doraville, GALEI: 254900TM81D0YC1B9584
Tax ID: 76-0819027
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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, Houston, and Dallas among others. We have data for 138 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 a high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.65% | 11/22/24 |
| 30 Year Conventional Refi | 8.57% | 11/22/24 |
| 30 Year Cash-out Refi | 8.19% | 11/22/24 |
| 15 Year Conventional Purchase | 7.34% | 11/22/24 |
| 15 Year Conventional Refi | 7.29% | 11/22/24 |
| 15 Year Cash-out Refi | 7.29% | 11/22/24 |
| 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
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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
2,460Origination Dollar Volume (All Markets)
$811,790,000Awards
Metro City Bank - 2022
Metro City Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 823 | $390,995,000 | $475,085 | $13,313 | 5.21% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 431 | $125,475,000 | $291,125 | $6,370 | 5.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 314 | $59,040,000 | $188,025 | $7,190 | 5.11% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 122 | $31,070,000 | $254,672 | $7,609 | 5.59% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 72 | $21,030,000 | $292,083 | $7,952 | 5.70% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 33 | $14,565,000 | $441,364 | $11,735 | 5.41% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 35 | $10,435,000 | $298,143 | $8,457 | 5.77% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 35 | $9,525,000 | $272,143 | $8,134 | 5.72% |
| GAINESVILLE, GA (FHA|USDA|VA) | 19 | $6,175,000 | $325,000 | $7,739 | 5.78% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 16 | $5,210,000 | $325,625 | $7,450 | 5.68% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 6 | $4,680,000 | $780,000 | $5,430 | 5.92% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 22 | $4,640,000 | $210,909 | $5,434 | 4.63% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 20 | $4,120,000 | $206,000 | $8,141 | 5.59% |
| Jefferson, GA (FHA|USDA|VA) | 15 | $3,995,000 | $266,333 | $7,294 | 5.27% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 15 | $3,985,000 | $265,667 | $6,946 | 5.19% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 17 | $3,855,000 | $226,765 | $7,184 | 5.39% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 14 | $3,760,000 | $268,571 | $8,625 | 5.14% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 18 | $3,690,000 | $205,000 | $7,295 | 4.76% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 12 | $3,600,000 | $300,000 | $6,053 | 3.95% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 10 | $3,360,000 | $336,000 | $7,661 | 4.96% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $3,300,000 | $330,000 | $10,370 | 5.71% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $8,759 | 5.33% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 17 | $3,045,000 | $179,118 | $7,480 | 5.31% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 10 | $2,970,000 | $297,000 | $9,812 | 5.55% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 14 | $2,940,000 | $210,000 | $6,867 | 5.96% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 10 | $2,650,000 | $265,000 | $5,991 | 5.51% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,635,000 | $527,000 | $0 | 4.98% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 11 | $2,595,000 | $235,909 | $7,365 | 5.01% |
| ROCHESTER, NY (FHA|USDA|VA) | 16 | $2,480,000 | $155,000 | $10,741 | 4.91% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 9 | $2,195,000 | $243,889 | $9,084 | 6.19% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 4 | $2,190,000 | $547,500 | $9,101 | 5.81% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $7,444 | 5.70% |
| RICHMOND, VA (FHA|USDA|VA) | 9 | $2,045,000 | $227,222 | $7,952 | 5.07% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 12 | $2,040,000 | $170,000 | $5,245 | 5.64% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $7,128 | 5.86% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,930,000 | $241,250 | $7,010 | 5.06% |
| Outside of Metro Areas | 13 | $1,855,000 | $142,692 | $6,004 | 5.45% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,825,000 | $608,333 | $10,777 | 4.71% |
| SAVANNAH, GA (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $5,145 | 5.45% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $1,735,000 | $347,000 | $8,721 | 5.60% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 7 | $1,685,000 | $240,714 | $6,481 | 5.59% |
| MONTGOMERY, AL (FHA|USDA|VA) | 7 | $1,675,000 | $239,286 | $5,739 | 4.63% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,660,000 | $415,000 | $0 | 5.69% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 6 | $1,580,000 | $263,333 | $6,294 | 6.06% |
| SYRACUSE, NY (FHA|USDA|VA) | 9 | $1,505,000 | $167,222 | $6,412 | 5.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $9,445 | 6.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $6,598 | 5.46% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $7,503 | 4.81% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $9,426 | 5.22% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $6,871 | 5.52% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $16,379 | 4.50% |
| SPARTANBURG, SC (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $0 | 5.81% |
| LANCASTER, PA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $6,213 | 4.70% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $7,192 | 5.00% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 6 | $920,000 | $153,333 | $4,990 | 5.33% |
| HINESVILLE, GA (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $5,129 | 5.67% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $6,872 | 4.88% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $7,559 | 5.92% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $8,270 | 7.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $6,084 | 5.91% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,812 | 4.96% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $8,473 | 5.38% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $9,607 | 6.00% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $4,606 | 5.41% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,140 | 4.67% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $0 | 5.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,442 | 4.56% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $4,387 | 6.67% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $9,585 | 6.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $0 | 5.42% |
| Torrington, CT (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $9,990 | 4.92% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $10,951 | 6.04% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $11,453 | 6.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $7,521 | 6.08% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $5,850 | 5.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $17,058 | 6.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $9,536 | 5.00% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,967 | 6.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,859 | 4.38% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 3.75% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $6,524 | 5.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,508 | 5.04% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,335 | 5.06% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $6,111 | 5.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 7.25% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $7,804 | 4.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 4.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $0 | 5.63% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $13,368 | 5.50% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,542 | 6.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,007 | 4.44% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,641 | 6.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 7.25% |
| Elko, NV (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 6.75% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,265 | 4.38% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,606 | 5.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $7,405 | 5.94% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,402 | 3.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $6,947 | 7.00% |
| BINGHAMTON, NY (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $6,433 | 4.92% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $7,788 | 4.50% |
| Danville, VA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 7.50% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,251 | 4.50% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.25% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,386 | 8.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,945 | 7.00% |
| TYLER, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,989 | 4.50% |
| ERIE, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,791 | 5.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,086 | 5.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,304 | 6.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 5.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 5.75% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,562 | 6.50% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,201 | 4.75% |
| Brevard, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.25% |
| Cullman, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,338 | 3.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,175 | 5.50% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,814 | 4.38% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,386 | 6.50% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,454 | 3.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,879 | 7.25% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,901 | 6.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,921 | 5.25% |
| Meadville, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,369 | 6.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,730 | 4.38% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 5.25% |
| Newberry, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,604 | 5.00% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,689 | 6.13% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,741 | 5.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,197 | 5.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,217 | 4.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.50% |
| Oneonta, NY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,260 | 4.38% |
| Cortland, NY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,344 | 4.63% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.38% |
| DALTON, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,816 | 7.25% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,970 | 6.88% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,460 | $811,790,000 | $329,996 | $9,726 | 5.36% |
For 2022, Metro City Bank's most frequently originated type of loan was Conventional, with 2,460 originations.
Loan Reason
For 2022, Metro City Bank's most frequently cited loan purpose was Home Purchase, with 2,116 originations. The 2nd most popular reason was Other, with 149 originations.
Loan Duration/Length
For 2022, Metro City Bank's most frequently cited loan duration was 30 Year, with 1,421 originations. The 2nd most popular length was 15 Year, with 1,033 originations.
Origination Fees/Closing Costs
Metro City Bank's average total fees were $9,613, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 626 originations.
Interest Rates
During 2022, Metro City Bank's average interest rate for loans was 5.61%, while their most frequently originated rate bucket for loans was 4-5%, with 1,229 originations.
Loan Sizing
2022 saw Metro City Bank place emphasis on $200k-400k loans with 1,207 originations, totaling $343,895,000 in origination value.
Applicant Income
Metro City Bank lent most frequently to those with incomes in the $150k-250k range, with 831 originations. The second most popular income band? $100k-150k, with 680 originations.
Applicant Debt to Income Ratio
Metro City Bank lent most frequently to those with DTI ratios of 30-36%, with 792 originations. The next most common DTI ratio? 20-30%, with 692 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.86%
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 origination88.25%
Metro City Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,460 | $811,790,000 | $329,996 |