What loan types does Citizens Tri-County Bank offer?

Citizens Tri-County Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Citizens Tri-County Bank offer mortgages?

Citizens Tri-County Bank offers mortgages in 3 states: AL, GA, TN.

How competitive are Citizens Tri-County Bank's mortgage rates?

Citizens Tri-County Bank has an overall pricing score of 32.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Citizens Tri-County Bank?

Citizens Tri-County Bank is a Bank headquartered in Dunlap, TN.

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Citizens Tri-County Bank

Bank•Dunlap, TNHQ•Direct•Reviews near you on Google

Citizens Tri-County Bank has 238 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Citizens Tri-County Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+19.8 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

221 loans · 0.23% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

157 loans · 0.15% above market

Sound

Top 60% of lenders

3/5

Refinance

81 loans · 0.33% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	221	92.9%	+0.228%Above	$1,993Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume221

Mix92.9%

Spread

+0.228%Above

Fees

$1,993Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	157	66.0%	+0.153%Above	$2,035Fees
Refinance	Sound	Sound	Acceptable	Strong	81	34.0%	+0.325%Above	$1,955Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume157

Mix66.0%

Spread

+0.153%Above

Fees

$2,035Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Strong

Volume81

Mix34.0%

Spread

+0.325%Above

Fees

$1,955Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

238

Applications

315

Volume

$64 million

Pricing & Closing

Avg Rate Spread

+0.198%

vs. market APOR

Avg Net Fees

$2,014

Origination − Credits

Pullthrough Rate

75.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$270,420

Avg Borrower Income

$165,958

Avg Property Value

$467,815

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 200200+None

South3

ALGATN

Top Metro Areas by Place Specialization Score

Chattanooga, TN, TN-GAMetro

Volume 84Mix 35.29% of portfolio

80/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 232Mix 97.48% of portfolio

78/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.