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Mortgage Loan

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 (KHC), Veterans Administration, and FHA.

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

If you plan on buying a home, then consider taking advantage of KHC’s Home Buyer Tax Credit. Click here for more information. 

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.






Amanda BolinExt. 2209Main Office451468
Hope BryantExt. 2210Main Office1476150
Amy WhitakerExt. 2297Main Office895175








Now you can apply for a mortgage online!

Click the button below to complete the application process.

Check our mortgage lending rates HERE.




Conventional Fixed Rates with 10-30 year maturitiesK.H.C.F.H.A.V.A.F.H.M.L.C
 Jumbo Loans – above $453,100.00
Non-Conforming Lending Products


Real Estate/In-House Mortgage Loans

Citizens National Bank now offers an in house home loan that could save you thousands of dollars in closing costs. This new loan product is a great alternative to paying higher fees recently added by national mortgage agencies. With this loan, there are no points and various terms available.


Construction Loans

When building a custom home, investment property, or commercial building, a construction loan is often necessary to meet the extended time frame and special needs of the building process. Our residential home loans have a construction term of 9 months with an additional 90 days to complete construction if needed. Commercial projects have a term of 12 months with an additional 90 days for completion, if necessary.


Bridge Loans

A bridge loan is best suited to the customer who finds their dream home but has not sold their current home. We work with the customer to help make that dream home a reality! We can do 100% financing for the new home by using the equity in their current home until the house sells. These loans are structured for 12 months with interest monthly. At the time of sale, the customer would need to decide on a permanent financing option which we may provide to them.

For more information on any of these products, contact our Lending Department at 606-679-6341.






Shawn DaughertyExt. 2285Main Office663092
Cindy KerrExt. 2215Main Office451472
Celeste LogsdonExt. 2213Main Office451471
Dawn CorrellExt. 2291Main Office422316
Joel HensleyExt. 2270Main Office504129
Particia BranscumExt. 2223Main Office454266
Amy HansfordExt. 2209Main Office1242333
Rachel WhiteheadExt. 1200Plaza Branch1391795
Gracey HallExt. 1400Waitsboro Branch1188208
Tanya ShearerExt. 1800Science Hill Branch1780362
Amy BurtonExt. 1700Nancy Branch1189660
Karen OwensExt. 1500Burnside Branch451465
Allen RankinExt. 1900Monticello Branch451463
Cy HutchersonExt. 2400Nicholasville Branch610111
Joe WilderExt. 2401Nicholasville Branch588413
Regena HintonExt. 2500Russell County Branch768707
Julie CoeExt. 2501Russell County Branch1477170

Mortgage Loan Calculator

Use this calculator to determine your estimated monthly payment and loan term.
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Loan Term   
360 months
Annual Interest Rate:   

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