CITIZENS BANK OF KENTUCKY, INC.
CITIZENS BANK OF KENTUCKY, INC. received 149 applications in 2025 and made 98 mortgages, in 33 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $145,000. Of 120 decisions, 22 were denials — 18.3%.
| Legal Entity Identifier | 549300L1U2HOTC8O4K95 |
|---|---|
| Applications received | 149 |
| Mortgages made | 98 |
| Denied | 22 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 29 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Citizens Bank of Kentucky, Inc., 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 62 | Not published | $170,000 | 11.4% |
| Refinancing | 22 | Not published | $185,000 | 26.7% |
| Other purposes | 14 | Not published | $85,000 | 30.0% |
Where CITIZENS BANK OF KENTUCKY, INC. lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Johnson County, KY | 16 | Not published | 11.1% |
| Floyd County, KY | 8 | Under 10 loans | 11.1% |
| Greenup County, KY | 8 | Under 10 loans | 11.1% |
| Lawrence County, KY | 8 | Under 10 loans | 11.1% |
| Boyd County, KY | 6 | Under 10 loans | 33.3% |
| Lawrence County, OH | 6 | Under 10 loans | 0.0% |
| Clark County, KY | 5 | Under 10 loans | 0.0% |
| Pike County, KY | 5 | Under 10 loans | 16.7% |
| Cabell County, WV | 5 | Under 10 loans | 50.0% |
| Wayne County, WV | 4 | Under 10 loans | 0.0% |
| Carter County, KY | 3 | Under 10 loans | 57.1% |
| Fayette County, KY | 3 | Under 10 loans | 0.0% |
| Magoffin County, KY | 3 | Under 10 loans | 40.0% |
| Martin County, KY | 2 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Bell County, KY | 1 | Under 10 loans | 0.0% |
| Bourbon County, KY | 1 | Under 10 loans | 0.0% |
| Estill County, KY | 1 | Under 10 loans | 50.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Kenton County, KY | 1 | Under 10 loans | 0.0% |
| Menifee County, KY | 1 | Under 10 loans | 0.0% |
| Morgan County, KY | 1 | Under 10 loans | 0.0% |
| Perry County, KY | 1 | Under 10 loans | 0.0% |
| Rowan County, KY | 1 | Under 10 loans | 0.0% |
| Russell County, KY | 1 | Under 10 loans | 0.0% |
| Franklin County, OH | 1 | Under 10 loans | 0.0% |
| Gallia County, OH | 1 | Under 10 loans | 0.0% |
| Ottawa County, OH | 1 | Under 10 loans | 0.0% |
| Mason County, WV | 1 | Under 10 loans | 0.0% |
| Harrison County, KY | 0 | Under 10 loans | Not published |
| Madison County, KY | 0 | Under 10 loans | 100.0% |
| Scioto County, OH | 0 | Under 10 loans | Not published |
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When CITIZENS BANK OF KENTUCKY, INC.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.