Applications / Mortgage Analytics / Lenders / Kentucky / The Citizens National Bank of Somerset
Somerset, KY · National bank · OCC · $700 million assets · 228 loans in 2025
The Citizens National Bank of Somerset's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
228
loans originated, 2025
282
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens National Bank of Somerset, a Kentucky bank, grew its home lending by 28% in 2025, and an unusually large share of its loans are for manufactured homes.
Its loans rose 28% to 228, from 178, against 5% for similar lenders (national banks making between half and twice as many loans) and 10% for the whole market. That was faster than about six in seven of them. It has now climbed back from 142 loans in 2023.
Manufactured homes make up 12.3% of its loans, against 1.7% at similar lenders, more than at nine in ten of them. Its typical loan, $155,000, is smaller than at about three in four peers, whose typical loan is $205,000. Other purposes take 11.0% of its lending and home improvement 8.8%.
Its largest market is non-metro Kentucky, where it ranks 29 of 537 lenders; Rocket Mortgage and Community Trust Bank lead. In Lexington-Fayette, KY it ranks 62 of 389, with 0.3% of lending, unchanged on the year. It has filed under HMDA since 2015 and lends in 20 counties across two states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Citizens National Bank of Somerset took 282 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.0% · Refinance 19.3% · Other 11.0% · Home improvement 8.8%
Conventional 100.0% · of 228 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 | 227 | 99.6% |
| North Carolina | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lexington-Fayette | 22 |
| Asheville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JCW11CIGH8GJ60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 410917 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 111544 | 2015–2017 |
Established 1 January 1919. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: The Citizens National Bank of Somerset's data.
The Citizens National Bank of Somerset's data
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The Citizens National Bank of Somerset 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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