Stock Yards Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
20th21.5% deniedPricingmedian rate spread over APOR, weight 30%
97th-0.42 ptsProcesswithdrawn + incomplete share, weight 15%
72nd12.6%Closing coststotal loan costs ÷ loan amount, weight 10%
51st2.24% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,477 | 2,263 | 21.8% | 24.9% | 6.90% | $716M |
| 2024 | 3,431 | 2,254 | 21.5% | 24.3% | 7.00% | $780M |
| 2025 | 3,754 | 2,539 | 18.8% | 21.5% | 6.50% | $736M |
What Stock Yards Bank & Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,641 home-equity lines, 0 reverse mortgages, 62 manufactured homes, 389 investment properties.
Why Stock Yards Bank & Trust denies applications
Primary reason reported for each of the 707 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Stock Yards Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 699 | 380 | 37.4% |
| $50k – $100k | 1,354 | 886 | 23.1% |
| $100k – $150k | 496 | 356 | 18.7% |
| $150k – $250k | 440 | 316 | 15.5% |
| Over $250k | 435 | 354 | 9.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 164 | 122 | 12.2% |
| 25–34 | 698 | 494 | 16.9% |
| 35–44 | 623 | 401 | 24.7% |
| 45–54 | 642 | 415 | 25.3% |
| 55–64 | 615 | 398 | 27.6% |
| 65–74 | 465 | 311 | 23.1% |
| Over 74 | 257 | 168 | 23.1% |
Where Stock Yards Bank & Trust lends
12 states and 136 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Stock Yards Bank & Trust denied 21.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of mid-size mortgage lenders.
The most common reason Stock Yards Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 37.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Stock Yards Bank & Trust originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.42 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 47% of its applications were for home purchases, 18% for refinancing (including cash-out), and 35% for home improvement or other purposes. By loan type: 93% conventional, 5% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.