First Metro Bank
First Metro Bank received 227 applications in 2025 and made 179 mortgages, in 21 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $115,000. Of 196 decisions, 15 were denials — 7.6%.
| Legal Entity Identifier | 549300W8Q4KZC8LMAV19 |
|---|---|
| Applications received | 227 |
| Mortgages made | 179 |
| Denied | 15 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Metro Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 85 | Not published | $165,000 | 7.5% |
| Refinancing | 62 | Not published | $105,000 | 6.0% |
| Other purposes | 32 | Not published | $45,000 | 11.1% |
Where First Metro Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lauderdale County, AL | 64 | Not published | 4.4% |
| Colbert County, AL | 56 | Not published | 9.7% |
| Franklin County, AL | 22 | Not published | 4.4% |
| Limestone County, AL | 11 | Not published | 20.0% |
| Lawrence County, AL | 6 | Under 10 loans | 14.3% |
| Morgan County, AL | 4 | Under 10 loans | 0.0% |
| Baldwin County, AL | 3 | Under 10 loans | 0.0% |
| Madison County, AL | 2 | Under 10 loans | 0.0% |
| Lawrence County, TN | 2 | Under 10 loans | 0.0% |
| Lamar County, AL | 1 | Under 10 loans | 0.0% |
| Marion County, AL | 1 | Under 10 loans | 50.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Greene County, GA | 1 | Under 10 loans | 0.0% |
| Choctaw County, MS | 1 | Under 10 loans | 0.0% |
| Giles County, TN | 1 | Under 10 loans | 0.0% |
| Hardin County, TN | 1 | Under 10 loans | 0.0% |
| Cullman County, AL | 0 | Under 10 loans | Not published |
| Jefferson County, AL | 0 | Under 10 loans | Not published |
| Walker County, AL | 0 | Under 10 loans | Not published |
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When First Metro Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.