Applications / Mortgage Analytics / Lenders / Kentucky / Community Financial Services Bank
Benton, KY · State member bank · FRS · 358 loans in 2025
Community Financial Services Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
358
loans originated, 2025
489
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Financial Services Bank first reported in 2025, with 358 loans, and went straight to rank 2 of 164 lenders in Paducah, IL-KY.
In Paducah, IL-KY it held 7.8% of the market, behind only The Paducah Bank and Trust Company. In non-metro Kentucky it ranked 24 of 537 lenders. With no earlier report, its growth cannot be compared with that of similar lenders (state member banks making between half and twice as many loans).
Purchases made up 62.3% of its lending and refinances 23.7%. Every loan was conventional. Its typical loan was $185,000, against $195,000 at its peers, and its dollar volume of $88.4 million was near the middle of the group.
Borrowers with low and moderate incomes took 15.3% of its loans, against 28.0% at peers. Poorer neighborhoods (low- and moderate-income tracts) took 7.4%, against 16.3%. On both counts it was among the lowest tenth. Majority-minority neighborhoods took 0.8%, against 7.3%. The incomes and make-up of the markets where it lends could account for this, as could the parts of those markets its lending reaches.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Financial Services Bank took 489 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.3% · Refinance 23.7% · Home improvement 7.8% · Other 6.1%
Conventional 100.0% · of 358 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 | 336 | 93.9% |
| Tennessee | 9 | 2.5% |
| Illinois | 8 | 2.2% |
| Florida | 3 | 0.8% |
| Mississippi | 2 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Paducah | 106 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Clarksville | 2 |
| Cincinnati | 1 |
| Cleveland | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Gulfport-Biloxi | 1 |
| Louisville/Jefferson County | 1 |
| Sebring | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930002HD26G3OGZR79 | 2025–2025 |
Established 1 January 1890. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Community Financial Services Bank's data.
Community Financial Services Bank's data
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Community Financial Services Bank 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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