Metro City Bank Mortgage Lending & HMDA Data, 2025
In 2025, Metro City Bank of Doraville, GA reported 1,404 mortgage applications totaling $526.7 million, down 3% from 2024. The average application was for $375,113, and applicants reported an average income of $235,912. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (514), Philadelphia, PA (174) and Atlanta-Sandy Springs-Roswell, GA (172) (applications in parentheses).
| Mortgage Company & Address | Metro City Bank 5114 Buford Highway Doraville, GA 30340 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 1,404 |
| Total Mortgage Loan Application Amount | $526,660,000 |
| Average Mortgage Loan Application Amount | $375,113 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $235,912 |
| Highest Applicant Income | $1,191,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Metro City Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 514 | $ 253,080,000 | $ 492,373 | $ 251,354 |
| Philadelphia, PA | 174 | $ 37,190,000 | $ 213,735 | $ 181,000 |
| Atlanta-Sandy Springs-Roswell, GA | 172 | $ 54,590,000 | $ 317,383 | $ 233,000 |
| Nassau County-Suffolk County, NY | 99 | $ 55,605,000 | $ 561,666 | $ 347,000 |
| Outside any metro area | 28 | $ 5,020,000 | $ 179,285 | $ 177,035 |
| Lakewood-New Brunswick, NJ | 27 | $ 11,235,000 | $ 416,111 | $ 223,000 |
| Montgomery County-Bucks County-Chester County, PA | 21 | $ 9,505,000 | $ 452,619 | $ 242,000 |
| Marietta, GA | 18 | $ 5,660,000 | $ 314,444 | $ 234,000 |
| Houston-The Woodlands-Sugar Land, TX | 17 | $ 5,025,000 | $ 295,588 | $ 258,000 |
| Rochester, NY | 16 | $ 4,350,000 | $ 271,875 | $ 206,000 |
| Albany-Schenectady-Troy, NY | 13 | $ 3,215,000 | $ 247,307 | $ 233,000 |
| Syracuse, NY | 12 | $ 2,320,000 | $ 193,333 | $ 181,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 11 | $ 3,075,000 | $ 279,545 | $ 244,000 |
| Bridgeport-Stamford-Norwalk, CT | 10 | $ 3,330,000 | $ 333,000 | $ 206,000 |
| Camden, NJ | 10 | $ 2,540,000 | $ 254,000 | $ 177,000 |
| Columbus, GA-AL | 10 | $ 2,010,000 | $ 201,000 | $ 145,000 |
| Hartford-West Hartford-East Hartford, CT | 10 | $ 2,670,000 | $ 267,000 | $ 226,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 3,430,000 | $ 428,750 | $ 329,000 |
| Newark, NJ-PA | 8 | $ 2,950,000 | $ 368,750 | $ 368,000 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 3,040,000 | $ 380,000 | $ 334,000 |
| Boston, MA | 7 | $ 2,905,000 | $ 415,000 | $ 266,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,625,000 | $ 232,142 | $ 198,000 |
| Gainesville, GA | 7 | $ 1,685,000 | $ 240,714 | $ 232,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 7 | $ 1,545,000 | $ 220,714 | $ 197,000 |
| Savannah, GA | 7 | $ 1,545,000 | $ 220,714 | $ 193,000 |
| Arlington-Alexandria-Reston, VA-WV | 6 | $ 1,580,000 | $ 263,333 | $ 138,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,150,000 | $ 191,666 | $ 213,000 |
| New Haven-Milford, CT | 6 | $ 1,710,000 | $ 285,000 | $ 256,000 |
| Waterbury-Shelton, CT | 6 | $ 1,440,000 | $ 240,000 | $ 230,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,285,000 | $ 257,000 | $ 145,000 |
| Lynchburg, VA | 5 | $ 1,265,000 | $ 253,000 | $ 230,000 |
| Pittsburgh, PA | 5 | $ 1,285,000 | $ 257,000 | $ 156,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,075,000 | $ 215,000 | $ 161,000 |
| Auburn-Opelika, AL | 4 | $ 980,000 | $ 245,000 | $ 247,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 800,000 | $ 200,000 | $ 175,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 880,000 | $ 220,000 | $ 189,000 |
| Chicago-Naperville, IL | 4 | $ 1,170,000 | $ 292,500 | $ 210,000 |
| Jacksonville, FL | 4 | $ 1,270,000 | $ 317,500 | $ 213,000 |
| Lancaster, PA | 4 | $ 830,000 | $ 207,500 | $ 213,000 |
| Montgomery, AL | 4 | $ 880,000 | $ 220,000 | $ 132,000 |
| Raleigh, NC | 4 | $ 1,130,000 | $ 282,500 | $ 225,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 780,000 | $ 195,000 | $ 228,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 525,000 | $ 175,000 | $ 114,000 |
| Harrisburg-Carlisle, PA | 3 | $ 885,000 | $ 295,000 | $ 166,000 |
| Huntsville, AL | 3 | $ 845,000 | $ 281,666 | $ 178,000 |
| Kingston, NY | 3 | $ 985,000 | $ 328,333 | $ 190,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,485,000 | $ 495,000 | $ 320,000 |
| Richmond, VA | 3 | $ 635,000 | $ 211,666 | $ 156,000 |
| San Antonio-New Braunfels, TX | 3 | $ 565,000 | $ 188,333 | $ 316,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 545,000 | $ 181,666 | $ 184,000 |
| Trenton, NJ | 3 | $ 1,045,000 | $ 348,333 | $ 167,000 |
| Utica-Rome, NY | 3 | $ 425,000 | $ 141,666 | $ 177,000 |
| Austin-Round Rock, TX | 2 | $ 750,000 | $ 375,000 | $ 307,000 |
| Birmingham-Hoover, AL | 2 | $ 630,000 | $ 315,000 | $ 350,000 |
| Bloomington, IL | 2 | $ 370,000 | $ 185,000 | $ 191,000 |
| Chambersburg-Waynesboro, PA | 2 | $ 530,000 | $ 265,000 | $ 290,000 |
| Durham-Chapel Hill, NC | 2 | $ 460,000 | $ 230,000 | $ 135,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 400,000 | $ 200,000 | $ 178,000 |
| Jacksonville, NC | 2 | $ 370,000 | $ 185,000 | $ 120,000 |
| Pittsfield, MA | 2 | $ 390,000 | $ 195,000 | $ 219,000 |
| Punta Gorda, FL | 2 | $ 590,000 | $ 295,000 | $ 220,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 860,000 | $ 430,000 | $ 317,000 |
| Rome, GA | 2 | $ 350,000 | $ 175,000 | $ 178,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,040,000 | $ 520,000 | $ 271,000 |
| Springfield, MA | 2 | $ 550,000 | $ 275,000 | $ 204,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 480,000 | $ 240,000 | $ 171,000 |
| York-Hanover, PA | 2 | $ 230,000 | $ 115,000 | $ 156,000 |
| Albany, GA | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 885,000 | $ 885,000 | $ 389,000 |
| Binghamton, NY | 1 | $ 355,000 | $ 355,000 | $ 453,000 |
| Brunswick, GA | 1 | $ 315,000 | $ 315,000 | $ 144,000 |
| Champaign-Urbana, IL | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Charleston-North Charleston, SC | 1 | $ 265,000 | $ 265,000 | $ 256,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 205,000 | $ 205,000 | $ 156,000 |
| Dothan, AL | 1 | $ 185,000 | $ 185,000 | $ 216,000 |
| Elgin, IL | 1 | $ 305,000 | $ 305,000 | $ 287,000 |
| Erie, PA | 1 | $ 355,000 | $ 355,000 | $ 219,000 |
| Fayetteville, NC | 1 | $ 135,000 | $ 135,000 | $ 264,000 |
| Florence, SC | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Fort Worth-Arlington, TX | 1 | $ 165,000 | $ 165,000 | $ 115,000 |
| Gadsden, AL | 1 | $ 395,000 | $ 395,000 | $ 292,000 |
| Greensboro-High Point, NC | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Greenville, NC | 1 | $ 215,000 | $ 215,000 | $ 131,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 355,000 | $ 355,000 | $ 139,000 |
| Hinesville, GA | 1 | $ 215,000 | $ 215,000 | $ 180,000 |
| Ithaca, NY | 1 | $ 245,000 | $ 245,000 | $ 119,000 |
| Killeen-Temple, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 215,000 | $ 215,000 | $ 222,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 205,000 | $ 205,000 | $ 151,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,085,000 | $ 1,085,000 | $ 348,000 |
| Macon-Bibb County, GA | 1 | $ 225,000 | $ 225,000 | $ 158,000 |
| Midland, TX | 1 | $ 335,000 | $ 335,000 | $ 177,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 285,000 | $ 285,000 | $ 159,000 |
| Norwich-New London, CT | 1 | $ 245,000 | $ 245,000 | $ 254,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Providence-Warwick, RI-MA | 1 | $ 275,000 | $ 275,000 | $ 178,000 |
| Reading, PA | 1 | $ 355,000 | $ 355,000 | $ 232,000 |
| Roanoke, VA | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Rocky Mount, NC | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Spartanburg, SC | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Staunton-Waynesboro, VA | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Tampa, FL | 1 | $ 245,000 | $ 245,000 | $ 132,000 |
| Tucson, AZ | 1 | $ 225,000 | $ 225,000 | $ 106,000 |
| Waco, TX | 1 | $ 265,000 | $ 265,000 | $ 369,000 |
| Warner Robins, GA | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Washington, DC-MD | 1 | $ 355,000 | $ 355,000 | $ 290,000 |
| Wilmington, NC | 1 | $ 185,000 | $ 185,000 | $ 209,000 |
| Winchester, VA-WV | 1 | $ 245,000 | $ 245,000 | $ 227,000 |
| Worcester, MA-CT | 1 | $ 345,000 | $ 345,000 | $ 156,000 |
Mortgage Loan Application Detail Totals for Metro City Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,288 | $489,020,000 | $379,000 | $1,995,000 | $236,000 | $1,191,000 |
| Home Improvement | 35 | $8,885,000 | $253,000 | $655,000 | $236,000 | $1,048,000 |
| Cash-out Refinancing | 33 | $11,565,000 | $350,000 | $1,085,000 | $235,000 | $1,110,000 |
| Other Purpose | 33 | $11,435,000 | $346,000 | $1,065,000 | $196,000 | $540,000 |
| Refinancing | 15 | $5,755,000 | $383,000 | $755,000 | $318,000 | $1,110,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 1,372 | $514,520,000 | $375,000 | $1,995,000 | $235,000 | $1,191,000 |
| Not applicable | 12 | $3,130,000 | $260,000 | $475,000 | $0 | $0 |
| White | 10 | $5,620,000 | $562,000 | $1,435,000 | $344,000 | $738,000 |
| Hispanic | 10 | $3,390,000 | $339,000 | $595,000 | $301,000 | $707,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,404 | $526,660,000 | $375,000 | $1,995,000 | $236,000 | $1,191,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,247 | $463,235,000 | $371,000 | $1,995,000 | $233,000 | $1,191,000 |
| Application Approved But Not Accepted | 70 | $29,100,000 | $415,000 | $1,205,000 | $253,000 | $798,000 |
| Application Denied By Financial Institution | 41 | $17,115,000 | $417,000 | $1,175,000 | $294,000 | $1,048,000 |
| Application Withdrawn By Applicant | 34 | $12,220,000 | $359,000 | $765,000 | $229,000 | $798,000 |
| File Closed For Incompleteness | 8 | $3,820,000 | $477,000 | $995,000 | $265,000 | $453,000 |
| Loan Purchased By The Institution | 4 | $1,170,000 | $292,000 | $395,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,363 | $509,545,000 | $373,000 | $1,995,000 | $234,000 | $1,191,000 |
| Unverifiable Information | 16 | $8,070,000 | $504,000 | $1,175,000 | $358,000 | $1,048,000 |
| Collateral | 14 | $4,530,000 | $323,000 | $705,000 | $241,000 | $575,000 |
| Other | 6 | $2,210,000 | $368,000 | $465,000 | $239,000 | $408,000 |
| Credit History | 3 | $1,215,000 | $405,000 | $565,000 | $228,000 | $468,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,090,000 | $545,000 | $765,000 | $389,000 | $395,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Metro City Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Metro City Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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