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 score and performance metrics.

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 an overall pricing score of 7.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Citizens Bank of Lafayette?

Citizens Bank of Lafayette is a Bank headquartered in Lafayette, TN.

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Citizens Bank of Lafayette

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

Citizens Bank of Lafayette has 102 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

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Summary

Things to Think About

Rates typically 93 basis points above market average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Citizens Bank of Lafayette performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+92.5 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Sound	101	99.0%	+0.918%Above	$683Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume101

Mix99.0%

Spread

+0.918%Above

Fees

$683Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Sound	57	55.9%	+0.859%Above	$1,208Fees
Refinance	Acceptable	Sound	Mediocre	Strong	45	44.1%	+0.994%Above	$502Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume57

Mix55.9%

Spread

+0.859%Above

Fees

$1,208Fees

Refinance

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume45

Mix44.1%

Spread

+0.994%Above

Fees

$502Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

102

Applications

102

Volume

$23 million

Pricing & Closing

Avg Rate Spread

+0.925%

vs. market APOR

Avg Net Fees

$860

Origination − Credits

Pullthrough Rate

100.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$233,725

Avg Borrower Income

$130,490

Avg Property Value

$449,902

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

South2

KYTN

Top Metro Areas by Place Specialization Score

Nashville, TNMetro

Volume 40Mix 39.22% of portfolio

63/100

Strong

Top States by Place Specialization Score

TennesseeState

Volume 97Mix 95.10% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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.