A moody urban look is often built with a few simple edits rather than a special filter. Based on the examples discussed, the main ingredients are:

• increase contrast quite strongly
• reduce overall color saturation
• shift the color balance slightly cooler
• optionally add grain or a distressed texture for a gritty feel

In Photoshop, a straightforward starting point is:

1. Duplicate the image layer.
2. Set the duplicate to Soft Light to boost contrast.
3. Lower that layer’s opacity until it looks right.
4. Add a Hue/Saturation adjustment layer and reduce saturation.
5. If desired, add a subtle cool tone and a little grain.

The key is restraint: too much contrast or too little saturation can make the image look harsh instead of atmospheric. This style also works best when the original scene already supports the mood—overcast light, empty spaces, strong shapes, and worn textures help a lot.

So: start with contrast, desaturation, and a cooler tone, then fine-tune from there.