Purchase Originations
769
Ranked #472 nationally
Median Total Costs
$9,633
+44.2% vs national ($6,680)
↑ $932 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 1.000% vs prior year
Median Origination
$4,724
Median Lender Credits
$92
Cost Rank (500+ vol.)
#529
among lenders with 500+ originations
Denial Rate
2.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 769 | 6.250% | $9,633 | $4,724 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 440 | 6.250% | $11,466 | #51 |
| Georgia | 98 | 6.250% | $6,757 | #144 |
| Pennsylvania | 89 | 6.250% | $7,131 | #171 |
| New Jersey | 39 | 6.250% | $10,527 | — |
| Florida | 20 | 6.250% | $7,444 | — |
| Texas | 19 | 6.250% | $7,466 | — |
| Virginia | 13 | 6.500% | $5,836 | — |
| Alabama | 12 | 6.625% | $5,729 | — |
| Connecticut | 12 | 6.250% | $8,866 | — |
| North Carolina | 11 | 6.250% | $5,310 | — |
| Illinois | 6 | 6.250% | $7,910 | — |
| South Carolina | 5 | 6.250% | $7,272 | — |
| California | 2 | 6.100% | $17,939 | — |
| Massachusetts | 2 | 6.500% | $7,391 | — |
| Arizona | 1 | 6.750% | $6,440 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,510 | 6.938% | — | 6 | −$4,123 | |
| 2 | $6,350 | 6.250% | — | 45 | −$3,283 | |
| 3 | $6,368 | 6.250% | — | 6 | −$3,265 | |
| 4 | $7,013 | 6.250% | — | 7 | −$2,620 | |
| 5 | $7,128 | 6.250% | — | 8 | −$2,505 | |
| 6 | $7,223 | 6.250% | — | 53 | −$2,410 | |
| 7 | $7,548 | 6.250% | — | 12 | −$2,085 | |
| 8 | $7,719 | 6.250% | — | 9 | −$1,914 | |
| 9 | $8,010 | 6.250% | — | 5 | −$1,623 | |
| 10 | $9,300 | 6.250% | — | 8 | −$333 | |
| 11 | $9,672 | 6.250% | — | 5 | +$39 | |
| 12 | $10,527 | 6.250% | — | 5 | +$894 | |
| 13 | $10,764 | 6.250% | — | 5 | +$1,131 | |
| 14 | $10,984 | 6.250% | — | 10 | +$1,351 | |
| 15 | $11,527 | 6.250% | — | 88 | +$1,894 | |
| 16 | $11,718 | 6.250% | — | 151 | +$2,085 | |
| 17 | $11,925 | 6.250% | — | 79 | +$2,292 | |
| 18 | $12,368 | 6.250% | — | 61 | +$2,735 | |
| 19 | $13,412 | 6.250% | — | 6 | +$3,779 | |
| 20 | $14,730 | 6.250% | — | 6 | +$5,097 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Metro City Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $9,633 | $7,127 | +$2,506 (+35.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.