Lender in Kentucky · HMDA 2025
Stock Yards Bank & Trust Company mortgages in Kentucky
Stock Yards Bank & Trust Company's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Stock Yards Bank & Trust Company originated 729 owner-occupied single-family loans in Kentucky from 826 completed applications, making it the state's #18 lender by volume.
Its median conventional purchase loan costs were $3,540 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
729
of 826 applications
Denial rate
8.9%
Purchase · KY 8.2%
Rate spread
+0.18 pts
Conv. · KY +0.21 pts
Loan amount
$235,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 739 | 669 | 8.9% | 6.750% | +0.18 pts | $3,540 | $235,000 |
| Refinance | 52 | 35 | 32.7% | — | +0.10 pts | $3,440 | $325,000 |
| Cash-out refinance | 35 | 25 | 28.6% | — | +0.15 pts | $3,150 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Stock Yards Bank & Trust Company ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bourbon County | 1 | 23 | 10.3% |
| Nicholas County | 1 | 6 | 10.2% |
| Bullitt County | 5 | 52 | 3.3% |
| Clark County | 5 | 25 | 4.7% |
| Harrison County | 5 | 7 | 3.9% |
| Jefferson County | 6 | 370 | 3.3% |
| Oldham County | 6 | 34 | 2.8% |
| Shelby County | 9 | 18 | 2.4% |
| Henry County | 9 | 5 | 2.4% |
| Rowan County | 10 | 4 | 2.6% |
| Garrard County | 11 | 6 | 2.2% |
| Woodford County | 12 | 7 | 2.0% |
| Montgomery County | 12 | 6 | 1.7% |
| Fayette County | 13 | 71 | 2.0% |
| Bath County | 14 | 1 | 1.1% |
| Scott County | 15 | 18 | 1.5% |
| Adair County | 15 | 1 | 1.3% |
| Nelson County | 17 | 10 | 1.2% |
| Lewis County | 18 | 1 | 0.9% |
| Fleming County | 19 | 1 | 0.8% |
| Madison County | 21 | 14 | 0.9% |
| Jessamine County | 23 | 10 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology