Metro Bank in Alabama vs the state
4.1%Denial rate-15.75 pts vs state
4.2%Decision denial rate-20.85 pts vs state
86.9%Origination rate+31.55 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
233Loans originated
11Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 280 | 233 | 7.5% | — | #109 |
| 2024 | 232 | 202 | 6.9% | — | #128 |
| 2025 | 268 | 233 | 4.1% | — | #132 |
What Metro Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Metro Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Clair County | 116 | 105 | 5 | 4.3% |
| Etowah County | 47 | 38 | 2 | 4.3% |
| Calhoun County | 31 | 27 | 1 | 3.2% |
| Talladega County | 26 | 18 | 2 | 7.7% |
| Jefferson County | 12 | 11 | 1 | 8.3% |
| Cleburne County | 10 | 9 | 0 | 0.0% |
| Baldwin County | 7 | 7 | 0 | 0.0% |
| Shelby County | 5 | 5 | 0 | 0.0% |
| Blount County | 3 | 3 | 0 | 0.0% |
| Cherokee County | 3 | 2 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 268 applications in 2025, of which 233 were originated and 11 denied.
4.1% of all applications, or 4.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Metro Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology