Metro City Bank
Doraville, GA · What the federal mortgage record shows about how Metro City Bank treated New Jersey applicants, 2018–2025 — 832 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 832 New Jersey applications Metro City Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Metro City Bank’s rates ran +2.04 pp higher than the typical New Jersey lender (average rate spread +2.26 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Metro City Bank approves
Why Metro City Bank denied applications
Where Metro City Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 185 | 97.3% |
| Middlesex County | 124 | 99.2% |
| Hudson County | 84 | 97.6% |
| Monmouth County | 70 | 100.0% |
| Essex County | 50 | 100.0% |
| Camden County | 50 | 92.0% |
| Somerset County | 42 | 100.0% |
| Morris County | 37 | 94.6% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Metro City Bank’s home-purchase originations — 1.45 points higher than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Metro City Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Metro City Bank (LEI 254900TM81D0YC1B9584). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →