# Citizens Bank of Lafayette

> **Canonical URL:** https://saferate.com/lenders/citizens-bank-of-lafayette


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Citizens Bank of Lafayette is a bank, headquartered in Lafayette, TN, serving borrowers across 2 states, with 102 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 93% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300W4TWSN8U8TGD72
- **Headquarters:** Lafayette, TN
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 7/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.925%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $860
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 102
- **Dollar Volume:** $24 million
- **Applications Received:** 102
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $233,725
- **Average Borrower Income:** $130,490
- **Average Property Value:** $449,902

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 31/100 | 101 | +0.918% | $683 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 57 loans, Score: 27/100 (Acceptable)
- Refinance: 44 loans, Score: 46/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 57 | $16M | +0.859% | Acceptable 🙂 |
| Refinance | 44/100 | 45 | $8M | +0.994% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 97 | 0.11% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 59 | 54/100 |
| Nashville | TN | 40 | 63/100 |

## Frequently Asked Questions

### What loan types does Citizens Bank of Lafayette offer?

Citizens Bank of Lafayette offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Citizens Bank of Lafayette offer mortgages?

Citizens Bank of Lafayette offers mortgages in 2 states: KY, TN.

### How competitive are Citizens Bank of Lafayette's mortgage rates?

Citizens Bank of Lafayette has a pricing score of 7/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.925% above market average.

### What type of lender is Citizens Bank of Lafayette?

Citizens Bank of Lafayette is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Lafayette, TN.

### What is Citizens Bank of Lafayette's loan approval success rate?

Citizens Bank of Lafayette has a pull-through score of 36/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/citizens-bank-of-lafayette

### How to Cite

> "Citizens Bank of Lafayette Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-bank-of-lafayette

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