# Citizens Tri-County Bank

> **Canonical URL:** https://saferate.com/lenders/citizens-tri-county-bank


> **📋 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 Tri-County Bank is a bank, headquartered in Dunlap, TN, serving borrowers across 3 states, with 238 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 68% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RUFHC5ZQDL8J10
- **Headquarters:** Dunlap, TN
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** AL, GA, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.7%
- **Brokered/Wholesale:** 0.3%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 32/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.198%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,014
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 238
- **Dollar Volume:** $64 million
- **Applications Received:** 315
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $270,420
- **Average Borrower Income:** $165,958
- **Average Property Value:** $467,815

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 221 | +0.228% | $1,993 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 142 loans, Score: 49/100 (Sound)
- Refinance: 79 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 157 | $48M | +0.153% | Sound ☺️ |
| Refinance | 57/100 | 81 | $16M | +0.325% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TN | 232 | 0.25% | 78/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 145 | 64/100 |
| Chattanooga, TN | TN-GA | 84 | 80/100 |

## Where This Lender Ranks

Citizens Tri-County Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#17** in Chattanooga, TN Banks
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks)
- 🏆 **#19** in Chattanooga, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/chattanooga-tn/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 32/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.198% above market average.

### What type of lender is Citizens Tri-County Bank?

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

### What is Citizens Tri-County Bank's loan approval success rate?

Citizens Tri-County Bank has a pull-through score of 58/100 (Sound). 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-tri-county-bank

### How to Cite

> "Citizens Tri-County Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/citizens-tri-county-bank

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