The Citizens National Bank of Somerset in Kentucky vs the state
10.3%Denial rate-8.49 pts vs state
11.3%Decision denial rate-12.16 pts vs state
80.8%Origination rate+22.74 pts vs state
—Median rate
—Rate spread (pts)
$80kMedian applicant income
227Loans originated
29Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 211 | 141 | 16.1% | 7.38% | #118 |
| 2024 | 217 | 178 | 9.2% | — | #126 |
| 2025 | 281 | 227 | 10.3% | — | #114 |
What The Citizens National Bank of Somerset lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The Citizens National Bank of Somerset applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 140 | 113 | 14 | 10.0% |
| Russell County | 45 | 39 | 4 | 8.9% |
| Wayne County | 27 | 21 | 1 | 3.7% |
| Jessamine County | 14 | 13 | 0 | 0.0% |
| McCreary County | 11 | 8 | 2 | 18.2% |
| Lincoln County | 7 | 6 | 1 | 14.3% |
| Fayette County | 6 | 6 | 0 | 0.0% |
| Madison County | 5 | 4 | 0 | 0.0% |
| Casey County | 5 | 3 | 1 | 20.0% |
| Adair County | 5 | 4 | 1 | 20.0% |
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: 281 applications in 2025, of which 227 were originated and 29 denied.
10.3% of all applications, or 11.3% 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 The Citizens National Bank of Somerset'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