Citizens Bank of Kentucky at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd18.3% deniedProcesswithdrawn + incomplete share, weight 15%
21st19.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 156 | 103 | 18.0% | 21.4% | — | $22M |
| 2024 | 114 | 75 | 15.8% | 19.4% | — | $15M |
| 2025 | 149 | 98 | 14.8% | 18.3% | — | $25M |
What Citizens Bank of Kentucky lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 26 manufactured homes, 43 investment properties.
Who gets approved at Citizens Bank of Kentucky
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 7 | 53.3% |
| $50k – $100k | 41 | 22 | 31.3% |
| $100k – $150k | 31 | 24 | 4.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 24 | 7.7% |
| 35–44 | 24 | 14 | 26.3% |
| 45–54 | 23 | 20 | 4.8% |
| 55–64 | 25 | 12 | 40.0% |
Where Citizens Bank of Kentucky lends
4 states and 33 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 119 | 77 | 14.3% | — | #192 |
| West Virginia | 16 | 10 | 31.3% | — | #210 |
| Ohio | 12 | 9 | 0.0% | — | #596 |
Frequently asked questions
Citizens Bank of Kentucky denied 18.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 27% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.