Residential Mortgage Loans

There are many places that advertise mortgage loans, but there are no lending institutions in Northern Kentucky or Greater Cincinnati that have the Commitment, the Products, and the Knowledgeable People of Citizens Bank of Northern Kentucky! We offer a complete array of real estate products and services. We are flexible and committed to making your purchase or refinance happen!

At Citizens Bank of Northern Kentucky, personalized service is just a phone call away. We have all the information at our fingertips to answer your questions or solve problems regarding your loan. From the initial contact to the end result, your entire loan process takes place under one roof. And it doesn’t end there; for an added convenience Citizens Bank of Northern Kentucky services all their mortgage and consumer loans. We work hard to make getting a loan easier and you know us because we are your local community bank – your friends and neighbors!

For rates and loan information, please call Rick Barto, Executive Vice President – Lending (859) 572-2660.

Commercial Banking Services

Creativity, Commitment, and Pride are the cornerstones of our lending philosophy. We look for ways to make projects happen. We believe that lending is a partnership, not an adversarial relationship. We understand the entrepreneurial spirit, after all we are entrepreneurs too!!

If you have a project or financing need, please call us first!! It could be the only call you need to make. . . .

For more information on products and services, please call Mike Hill, Senior Vice President - Lending, or Rick Barto, Executive Vice President - Lending, at (859) 572-2660.

Personal Loans

Citizens Bank of Northern Kentucky has flexible loan programs for almost any purpose that you might imagine!! From our Home Equity products to Vacation Loans, we look for ways to help. Just ask your local Citizens Banker! You already know them because they are your friends and neighbors!