We analyzed every closed loan from Metro City Bank — 768 loans across 893 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
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)
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Report Card
Metro City Bank performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 764 | 99.5% | +1.984%Above | $4,841Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 748 | 97.4% | +1.986%Above | $4,861Fees | ||||
Refinance | — | 20 | 2.6% | +1.918%Above | $4,341Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
15Full-year 2024 · HMDATop Metro Areas by Place Specialization Score
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 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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