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Citizens Tri-County Bank
Bank|Dunlap, TN|Regional
Loans Originated
238
Applications
315
Volume
$64 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.198%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,014
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
Report Card
Citizens Tri-County Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Regional · 2 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$270,420
Average Borrower Income
$165,958
Average Property Value
$467,815
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% | $1,993 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Acceptable | Sound | 157 | 66.0% | +0.153% | $2,035 |
Refinance | Sound | Sound | Acceptable | Strong | 81 | 34.0% | +0.325% | $1,955 |
Geographic Coverage
Metro Areas
1
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALGATN
Top Metro Areas by Place Specialization Score
1
Chattanooga, TN, TN-GAMSA
Volume: 84Mix: 35.29%
Place Specialization
Strong
Top States by Place Specialization Score
1
TNState
Volume: 232Mix: 97.48%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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