Metro CU at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
39th28.4% deniedPricingmedian rate spread over APOR, weight 30%
91st-1.62 ptsProcesswithdrawn + incomplete share, weight 15%
64th10.1%Closing coststotal loan costs ÷ loan amount, weight 10%
28th4.05% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 892 | 591 | 15.8% | 18.8% | 4.75% | $71M |
| 2024 | 987 | 589 | 26.4% | 29.0% | 6.25% | $52M |
| 2025 | 1,164 | 677 | 25.5% | 28.4% | 5.75% | $74M |
What Metro CU lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,033 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 29 investment properties.
Why Metro CU denies applications
Primary reason reported for each of the 297 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Metro CU
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 102 | 37 | 53.3% |
| $50k – $100k | 335 | 160 | 38.0% |
| $100k – $150k | 255 | 167 | 23.7% |
| $150k – $250k | 306 | 217 | 17.5% |
| Over $250k | 160 | 94 | 19.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 145 | 77 | 33.1% |
| 35–44 | 329 | 199 | 27.5% |
| 45–54 | 308 | 179 | 30.1% |
| 55–64 | 226 | 132 | 24.9% |
| 65–74 | 118 | 73 | 22.6% |
| Over 74 | 30 | 14 | 42.9% |
Where Metro CU lends
6 states and 29 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Metro CU denied 28.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 39th percentile of home-equity (HELOC) lenders.
The most common reason Metro CU gave in 2025 was "debt-to-income ratio", cited on 37.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Metro CU originated in 2025 was 5.75%, and its median rate spread over the average prime offer rate was -1.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 7% of its applications were for home purchases, 11% for refinancing (including cash-out), and 83% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.