Stock Yards Bank & Trust in Kentucky vs the state
19.8%Denial rate+1.00 pts vs state
22.5%Decision denial rate-0.95 pts vs state
67.2%Origination rate+9.11 pts vs state
6.50%Median rate-0.25 pts vs state
-0.65Rate spread (pts)-0.96 pts vs state
$82kMedian applicant income
2,044Loans originated
603Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,770 | 1,778 | 22.6% | 6.99% | #8 |
| 2024 | 2,799 | 1,826 | 22.9% | 7.00% | #10 |
| 2025 | 3,044 | 2,044 | 19.8% | 6.50% | #11 |
What Stock Yards Bank & Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Stock Yards Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,452 | 1,012 | 269 | 18.5% |
| Fayette County | 204 | 152 | 19 | 9.3% |
| Bullitt County | 176 | 112 | 44 | 25.0% |
| Oldham County | 161 | 114 | 19 | 11.8% |
| Shelby County | 113 | 77 | 25 | 22.1% |
| Clark County | 104 | 68 | 29 | 27.9% |
| Madison County | 84 | 53 | 14 | 16.7% |
| Scott County | 78 | 54 | 15 | 19.2% |
| Bourbon County | 73 | 44 | 19 | 26.0% |
| Harrison County | 58 | 36 | 14 | 24.1% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 3,044 applications in 2025, of which 2,044 were originated and 603 denied.
19.8% of all applications, or 22.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Stock Yards Bank & Trust originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Stock Yards Bank & Trust's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology