Metro City Bank in Pennsylvania vs the state
3.0%Denial rate-15.27 pts vs state
3.1%Decision denial rate-19.14 pts vs state
92.7%Origination rate+31.71 pts vs state
6.25%Median rate-0.38 pts vs state
1.96Rate spread (pts)+1.72 pts vs state
$168kMedian applicant income
215Loans originated
7Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 175 | 162 | 3.4% | 7.25% | #286 |
| 2024 | 178 | 166 | 1.1% | 7.13% | #284 |
| 2025 | 232 | 215 | 3.0% | 6.25% | #252 |
What Metro City Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Metro City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 160 | 149 | 6 | 3.8% |
| Montgomery County | 13 | 12 | 0 | 0.0% |
| Delaware County | 13 | 13 | 0 | 0.0% |
| Northampton County | 6 | 6 | 0 | 0.0% |
| Bucks County | 5 | 5 | 0 | 0.0% |
| Lehigh County | 5 | 5 | 0 | 0.0% |
| Monroe County | 4 | 2 | 1 | 25.0% |
| Allegheny County | 4 | 4 | 0 | 0.0% |
| Lancaster County | 4 | 4 | 0 | 0.0% |
| Chester County | 3 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 232 applications in 2025, of which 215 were originated and 7 denied.
3.0% of all applications, or 3.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Metro City Bank originated in Pennsylvania 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology