Citizens National Bank

We are a locally owned bank that has been serving the people of Pulaski County, Kentucky since 1920. We offer a wide range of products to help you achieve your financial goals along with a high level of customer service and convenient locations.

Mortgage Loans

Citizens National Bank’s 30 year fixed rate residential mortgage loans are available through Federal Home Loan Mortgage Corporation (Freddie Mac), Kentucky Housing Corporation, Veterans Administration, and FHA.

Our fixed rate loan programs offer low or zero down payment which first time home buyers find attractive.

We also provide refinancing opportunities which allow you to use the equity in your home to secure consumer purchases. Loans secured by your residence allow the interest to be tax deductible. Please consult your tax advisor to be certain.

No matter what your residential loan needs may be, Citizens National Bank has a mortgage loan program that will fit your circumstances.Call us at 606-679-6341.

Steve Bray Ext. 2220 NMLS #451477
Dennis Tindle Ext. 2210 NMLS #18970






Be sure to check out our mortgage lending rates.

Conventional Fixed Rates with
10-30 year maturities
K.H.C. F.H.A. V.A. F.H.M.L.C
 Jumbo Loans - above $417,000.00
Non-Conforming Lending Products

Now you can apply for a mortgage online! Click the button below to complete the application process.


Mortgage Payment Calculator
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