Applications / Mortgage Analytics / Lenders / Kentucky / Citizens Bank of Kentucky
Paintsville, KY · State member bank · FRS · $689 million assets · 98 loans in 2025
Citizens Bank of Kentucky's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
98
loans originated, 2025
149
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens Bank of Kentucky grew its home lending 31% in 2025, and a third of its loans are in low- and moderate-income neighborhoods, nearly twice the share at similar banks.
Its loan count rose 31%, from 75 to 98. That was faster than at about three in four similar lenders, state member banks making between half and twice as many loans, whose typical rise was 8%; the whole market grew 10%. It made 164 loans in 2020.
Manufactured homes took 9.2% of its loans, against 1.9% at similar lenders, more than at about four in five. Its typical loan was $145,000, against $175,000. Its manufactured homes and its 8.2% of home-improvement loans could account for the smaller size.
Low- and moderate-income (LMI) neighborhoods took 33.0% of its loans, against 17.9% at similar lenders, more than at nearly nine in ten. In 2020 the figure was 14.6%.
In Huntington-Ashland, its largest metro market and one it has served since 2000, its share rose from 0.6% to 0.7%, ranking it 34 of 237. In Lexington-Fayette it rose from 0.1% to 0.2%. It made its first loans in Columbus and Sandusky in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens Bank of Kentucky took 149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.3% · Refinance 22.4% · Home improvement 8.2% · Other 6.1%
Conventional 100.0% · of 98 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 77 | 78.6% |
| West Virginia | 10 | 10.2% |
| Ohio | 9 | 9.2% |
| Florida | 2 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Huntington-Ashland | 40 |
| Lexington-Fayette | 9 |
| Cincinnati | 1 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Louisville/Jefferson County | 1 |
| Punta Gorda | 1 |
| Sandusky | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L1U2HOTC8O4K95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 495419 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113023 | 2007–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2495419 | 2016–2017 |
Established 1 January 1910. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Citizens Bank of Kentucky's data.
Citizens Bank of Kentucky's data
$215
Citizens Bank of Kentucky and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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