Citizens Bank of Kentucky in Kentucky vs the state
14.3%Denial rate-4.52 pts vs state
18.1%Decision denial rate-5.40 pts vs state
64.7%Origination rate+6.67 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
77Loans originated
17Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 91 | 18.4% | — | #155 |
| 2024 | 101 | 64 | 16.8% | — | #191 |
| 2025 | 119 | 77 | 14.3% | — | #192 |
What Citizens Bank of Kentucky lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Citizens Bank of Kentucky applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 20 | 16 | 2 | 10.0% |
| Floyd County | 15 | 8 | 1 | 6.7% |
| Boyd County | 14 | 6 | 3 | 21.4% |
| Lawrence County | 13 | 8 | 1 | 7.7% |
| Greenup County | 10 | 8 | 1 | 10.0% |
| Carter County | 8 | 3 | 4 | 50.0% |
| Magoffin County | 7 | 3 | 2 | 28.6% |
| Pike County | 7 | 5 | 1 | 14.3% |
| Clark County | 5 | 5 | 0 | 0.0% |
| Fayette County | 3 | 3 | 0 | 0.0% |
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: 119 applications in 2025, of which 77 were originated and 17 denied.
14.3% of all applications, or 18.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Bank of Kentucky'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