Name of the lender

Community Financial Services Bank in KentuckyMortgage rates, total loan costs and denial rate for homes in Kentucky, 2025

HMDA year2025

Head office: Benton, KY
Reporting agency: Federal Reserve System (FRS)
Legal Entity Identifier (LEI)

Community Financial Services Bank reported 464 applications for homes in Kentucky in the HMDA data of 2025.

It originated 336 loans in the state in 2025, for $82.3 million in total.

The lender filed the interest rate as “Exempt” for all of its 336 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Kentucky, because fewer than 20 loans report the amount.

It denied 8.8% of the applications that it decided in the state in 2025, and the state denial rate was 23.5%.

Filed figures of Community Financial Services Bank in Kentucky, 2025
Figure	In KY	Lender, all states	KY, all lenders
Applications	464	489	173,418
Loans originated	336	358	100,653
Median interest rate	n/a	n/a	6.500%
Median total loan costs	n/a	n/a	$4,927
Denial rate	8.8%	8.4%	23.5%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in KY

Median interest rate in KYExempt

The lender filed the interest rate as “Exempt” for all of its 336 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Kentucky by the action taken
Action taken	Records	Share
1Loan originated	336	72.4%
2Application approved but not accepted	58	12.5%
3Application denied	38	8.2%
4Application withdrawn by applicant	32	6.9%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Kentucky by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	464	336	8.8%

Counties in Kentucky

Counties of Community Financial Services Bank in Kentucky with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Calloway County	79	56	$13.6 million	5.6%
Graves County	50	33	$6.8 million	8.5%
Marshall County	173	127	$29.5 million	11.0%
McCracken County	108	82	$25.8 million	7.9%

Figures by year

Community Financial Services Bank in Kentucky by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	464	336	$82.3 million	n/a	n/a	8.8%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.
BankFind Suite (Federal Deposit Insurance Corporation)The FDIC search for an insured bank: its status, its offices and its regulator.

Cite this page

Page: Lender Register, "Community Financial Services Bank in Kentucky, 2025", https://lenderregister.com/lender/54930002hd26g3ogzr79-community-financial-services-bank/ky/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Kentucky. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Community Financial Services Bank were in Kentucky in 2025?: 336 of its loans originated, out of 358 in all states. That is 93.9%.
In which counties of Kentucky did Community Financial Services Bank originate the most loans in 2025?: The three with the most loans were Marshall County (127), McCracken County (82) and Calloway County (56).
Which loan types did Community Financial Services Bank originate in Kentucky in 2025?: All its loans in the state were of one type: 336 conventional.
What share of the applications in Kentucky did Community Financial Services Bank report in 2025?: 0.3%: 464 out of 173,418 applications of all lenders in the state.