Applications / Mortgage Analytics / Lenders / Alabama / Metro Bank
Pell City, AL · State non-member bank · FDIC · $1.2 billion assets · 236 loans in 2025
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236
loans originated, 2025
271
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Metro Bank, an Alabama bank, makes small loans, and one in five of them is on a manufactured home, far more than at similar lenders.
Manufactured homes were 20.3% of its loans, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans), higher than at more than nine in ten of them. Its typical loan was $95,000, against $175,000, which fits that mix. Refinances made up 44.1% of its loans and purchases 42.8%.
It made 236 loans, up 13%, while similar lenders grew 9%. Its yearly totals have stayed between 184 and 242 since 2018.
Low- and moderate-income (LMI) borrowers took 34.1% of its loans, against 28.1% at similar lenders, higher than at three in four of them. LMI neighborhoods took 16.5%, close to peers' 17.4%.
In Gadsden, AL it ranked 20 of 190 lenders, though its share fell 0.2 points to 1.4%, a swing that may mean little in a small market. In Anniston-Oxford, AL its share rose 0.1 points to 1.0%, ranking 27 of 203. In Birmingham, AL, its biggest market, it ranked 83 of 523.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank took 271 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.1% · Purchase 42.8% · Home improvement 8.5% · Other 4.7%
Conventional 100.0% · of 236 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 |
|---|---|---|
| Alabama | 233 | 98.7% |
| Georgia | 3 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 124 |
| Gadsden | 38 |
| Anniston-Oxford | 27 |
| Daphne-Fairhope-Foley | 7 |
| Auburn-Opelika | 3 |
| Atlanta-Sandy Springs-Roswell | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KI5WZF5PXKAF12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1394621 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327510 | 1991–2017 |
Established 30 May 1989. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Metro Bank's data.
Metro Bank's data
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Metro Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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