Lenders › Metro Bank › Alabama
Metro Bank in Alabama
HMDA record for properties in Alabama, calendar year 2024. National record · Alabama overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Metro Bank's 2024 HMDA record for Alabama covers 232 applications, 202 of them originated, worth $34m.
Its denial rate in the state was 7.0%, below the Alabama rate of 26.3% across all lenders and compared with the lender's national rate of 6.8%.
Applications in the state were down 17% on 2023.
Compared with the state and the lender's national record
| Measure | In Alabama | Alabama, all lenders | Metro Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 7.0% | 26.3% | 6.8% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.5% | — | 15.6% |
| Average originated loan | $169k | $228k | $170k | $329k |
| Home purchase share | 36.6% | 59.0% | 37.3% | 57.0% |
| FHA-insured share | 0.0% | 18.0% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 12.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateAlabama, all lenders
Loan purpose and loan type in Alabama
By purpose
Home purchase 37% (74)Home improvement 9% (19)Refinancing 49% (99)Other purpose 5% (10)
By type
Conventional 100% (202)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Alabama
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. Clair County | 116 | 100 | $11m | 7.8% |
| Etowah County | 37 | 34 | $5.0m | 5.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Metro Bank originate in Alabama in 2024?
202 loans totalling $34m, from 232 applications reported for properties in Alabama.
What is Metro Bank's denial rate in Alabama?
7.0% of decided applications in Alabama were denied, against 26.3% for all lenders in the state and 6.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Alabama counties does Metro Bank lend in most?
By originations: St. Clair County (100), Etowah County (34).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Alabama. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.