The Citizens National Bank of Somerset
The Citizens National Bank of Somerset received 282 applications in 2025 and made 228 mortgages, in 24 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $155,000. Of 257 decisions, 29 were denials — 11.3%, most often for credit history.
| Legal Entity Identifier | 549300JCW11CIGH8GJ60 |
|---|---|
| Applications received | 282 |
| Mortgages made | 228 |
| Denied | 29 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Citizens National Bank of Somerset, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 139 | Not published | $195,000 | 9.2% |
| Refinancing | 40 | Not published | $215,000 | 14.9% |
| Cash-out refinancing | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 45 | Not published | $65,000 | 15.1% |
Where The Citizens National Bank of Somerset lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Pulaski County, KY | 113 | Not published | 11.0% |
| Russell County, KY | 39 | Not published | 9.3% |
| Wayne County, KY | 21 | Not published | 4.6% |
| Jessamine County, KY | 13 | Not published | 0.0% |
| McCreary County, KY | 8 | Under 10 loans | 20.0% |
| Fayette County, KY | 6 | Under 10 loans | 0.0% |
| Lincoln County, KY | 6 | Under 10 loans | 14.3% |
| Adair County, KY | 4 | Under 10 loans | 20.0% |
| Madison County, KY | 4 | Under 10 loans | 0.0% |
| Casey County, KY | 3 | Under 10 loans | 25.0% |
| Laurel County, KY | 2 | Under 10 loans | 0.0% |
| Bourbon County, KY | 1 | Under 10 loans | 0.0% |
| Boyle County, KY | 1 | Under 10 loans | 0.0% |
| Clark County, KY | 1 | Under 10 loans | 0.0% |
| Clinton County, KY | 1 | Under 10 loans | 0.0% |
| Cumberland County, KY | 1 | Under 10 loans | 50.0% |
| Franklin County, KY | 1 | Under 10 loans | 0.0% |
| Garrard County, KY | 1 | Under 10 loans | 0.0% |
| Scott County, KY | 1 | Under 10 loans | 0.0% |
| Buncombe County, NC | 1 | Under 10 loans | 0.0% |
| Bell County, KY | 0 | Under 10 loans | Not published |
| Clay County, KY | 0 | Under 10 loans | 100.0% |
| Knox County, KY | 0 | Under 10 loans | 100.0% |
| Logan County, KY | 0 | Under 10 loans | 100.0% |
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When The Citizens National Bank of Somerset’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.