Metro Bank
Metro Bank received 271 applications in 2025 and made 236 mortgages, in 17 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $95,000. Of 268 decisions, 11 were denials — 4.1%, most often for credit history.
| Legal Entity Identifier | 549300KI5WZF5PXKAF12 |
|---|---|
| Applications received | 271 |
| Mortgages made | 236 |
| Denied | 11 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Metro Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 101 | Not published | $145,000 | 2.6% |
| Refinancing | 104 | Not published | $65,000 | 4.4% |
| Other purposes | 31 | Not published | $55,000 | 8.1% |
Where Metro Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Clair County, AL | 105 | Not published | 4.3% |
| Etowah County, AL | 38 | Not published | 4.4% |
| Calhoun County, AL | 27 | Not published | 3.3% |
| Talladega County, AL | 18 | Not published | 7.7% |
| Jefferson County, AL | 11 | Not published | 8.3% |
| Cleburne County, AL | 9 | Under 10 loans | 0.0% |
| Baldwin County, AL | 7 | Under 10 loans | 0.0% |
| Shelby County, AL | 5 | Under 10 loans | 0.0% |
| Blount County, AL | 3 | Under 10 loans | 0.0% |
| Lee County, AL | 3 | Under 10 loans | 0.0% |
| Cherokee County, AL | 2 | Under 10 loans | 0.0% |
| DeKalb County, AL | 2 | Under 10 loans | 0.0% |
| Carroll County, GA | 2 | Under 10 loans | 0.0% |
| Clay County, AL | 1 | Under 10 loans | 0.0% |
| Marshall County, AL | 1 | Under 10 loans | 0.0% |
| Randolph County, AL | 1 | Under 10 loans | 0.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
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When 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.