# Tri City National Bank

> **Canonical URL:** https://saferate.com/lenders/tri-city-national-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


Tri City National Bank is a bank, headquartered in Oak Creek, WI, serving borrowers across 2 states, with 141 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 48% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 45% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300OCKUW7YV0YNV03
- **Headquarters:** Oak Creek, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.215%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,179
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 141
- **Dollar Volume:** $43 million
- **Applications Received:** 206
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $304,504
- **Average Borrower Income:** $139,262
- **Average Property Value:** $455,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 43/100 | 131 | +0.218% | $1,189 | Sound ☺️ |
| Jumbo | 62/100 | 10 | +0.114% | $892 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 111 loans, Score: 42/100 (Sound)
- Refinance: 20 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 121 | $40M | +0.222% | Sound ☺️ |
| Refinance | 34/100 | 20 | $3M | +0.173% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 140 | 0.21% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Milwaukee | WI | 103 | 75/100 |
| Racine | WI | 17 | 56/100 |
| Non |  | 13 | 28/100 |

## Where This Lender Ranks

Tri City National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in Milwaukee for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Racine for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/racine/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Milwaukee for Jumbo Loans
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Wisconsin for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does Tri City National Bank offer?

Tri City National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Tri City National Bank offer mortgages?

Tri City National Bank offers mortgages in 2 states: FL, WI.

### How competitive are Tri City National Bank's mortgage rates?

Tri City National Bank has a pricing score of 52/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.215% above market average.

### What type of lender is Tri City National Bank?

Tri City National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Oak Creek, WI.

### What is Tri City National Bank's loan approval success rate?

Tri City National Bank has a pull-through score of 55/100 (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/tri-city-national-bank

### How to Cite

> "Tri City National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tri-city-national-bank

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