Citizens Bank in Kentucky vs the state
26.2%Denial rate+7.34 pts vs state
30.4%Decision denial rate+6.94 pts vs state
57.1%Origination rate-0.92 pts vs state
7.90%Median rate+1.15 pts vs state
0.68Rate spread (pts)+0.37 pts vs state
$88kMedian applicant income
297Loans originated
136Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 729 | 428 | 30.5% | 6.88% | #56 |
| 2024 | 218 | 113 | 31.7% | 8.65% | #125 |
| 2025 | 520 | 297 | 26.2% | 7.90% | #79 |
What Citizens Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 97 | 53 | 29 | 29.9% |
| Fayette County | 33 | 18 | 4 | 12.1% |
| Kenton County | 32 | 18 | 6 | 18.8% |
| Warren County | 32 | 21 | 5 | 15.6% |
| Boone County | 30 | 18 | 7 | 23.3% |
| Scott County | 19 | 15 | 1 | 5.3% |
| Campbell County | 17 | 12 | 3 | 17.6% |
| McCracken County | 15 | 10 | 1 | 6.7% |
| Jessamine County | 13 | 10 | 1 | 7.7% |
| Christian County | 11 | 4 | 4 | 36.4% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 520 applications in 2025, of which 297 were originated and 136 denied.
26.2% of all applications, or 30.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Citizens Bank originated in Kentucky in 2025 was 7.90%, against a statewide median of 6.75%.
About this data. Figures are Citizens Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology