Metro City Bank in Florida vs the state
5.0%Denial rate-16.06 pts vs state
5.3%Decision denial rate-21.98 pts vs state
87.5%Origination rate+34.81 pts vs state
6.25%Median rate-0.38 pts vs state
1.95Rate spread (pts)+1.69 pts vs state
$210kMedian applicant income
35Loans originated
2Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 83 | 3.9% | 7.38% | #483 |
| 2024 | 40 | 31 | 5.0% | 7.25% | #644 |
| 2025 | 40 | 35 | 5.0% | 6.25% | #633 |
What Metro City Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Metro City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Broward County | 8 | 7 | 0 | 0.0% |
| Orange County | 7 | 5 | 1 | 14.3% |
| Lee County | 5 | 4 | 0 | 0.0% |
| Palm Beach County | 4 | 3 | 1 | 25.0% |
| St. Johns County | 3 | 3 | 0 | 0.0% |
| Miami-Dade County | 3 | 3 | 0 | 0.0% |
| Pinellas County | 2 | 2 | 0 | 0.0% |
| Charlotte County | 2 | 2 | 0 | 0.0% |
| Polk County | 1 | 1 | 0 | 0.0% |
| Osceola County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 40 applications in 2025, of which 35 were originated and 2 denied.
5.0% of all applications, or 5.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Metro City Bank originated in Florida in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Metro City Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology