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, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.