Applications / Mortgage Analytics / Lenders / Georgia / Metro City Bank
Doraville, GA · State non-member bank · FDIC · $4.7 billion assets · 1,247 loans in 2025
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1,247
loans originated, 2025
1,400
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Metro City Bank is a conventional-only home-purchase lender with larger loans than most similar banks, lending in 104 metros across 17 states, with New York its main state.
Every loan it made was conventional, with no government-backed lending, and home purchases were 92.9% of its originations. Its typical loan, $315,000, was larger than about nine in ten similar lenders (state non-member banks making between half and twice as many loans), whose typical loan was $200,000.
Though based in Doraville, GA, its main state is New York, and it ranked 101 of 802 lenders in New York-Newark-Jersey City, NY-NJ and 182 of 892 in Atlanta-Sandy Springs-Alpharetta, GA. It added markets such as Bloomington, IL and Tucson, AZ in 2025.
It made 1,247 loans, up 1% from 1,229, while the typical similar lender grew 10%. It made 3,637 loans in 2021 and 2,405 in 2018.
Low- and moderate-income (LMI) neighbourhoods took 24.7% of its loans, more than almost all similar lenders, and majority-minority neighbourhoods 52.0%, against 7.2% for the typical one. Its purchase denial rate, 2.5%, was lower than most similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Metro City Bank took 1,400 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.9% · Refinance 3.0% · Home improvement 2.5% · Other 1.6%
Conventional 100.0% · of 1,247 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 576 | 46.2% |
| Pennsylvania | 215 | 17.2% |
| Georgia | 204 | 16.4% |
| New Jersey | 60 | 4.8% |
| Florida | 35 | 2.8% |
| Connecticut | 31 | 2.5% |
| Texas | 29 | 2.3% |
| Alabama | 22 | 1.8% |
| Virginia | 21 | 1.7% |
| North Carolina | 14 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 452 |
| Philadelphia | 162 |
| Atlanta-Sandy Springs-Roswell | 153 |
| Nassau County-Suffolk County | 90 |
| Lakewood-New Brunswick | 22 |
| Montgomery County-Bucks County-Chester County | 20 |
| Houston-Pasadena-The Woodlands | 15 |
| Marietta | 15 |
| Rochester | 15 |
| Albany-Schenectady-Troy | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TM81D0YC1B9584 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3437456 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358181 | 2008–2017 |
Established 4 April 2006. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Metro City Bank's data.
Metro City Bank's data
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