# Stock Yards Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/stock-yards-bank-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Stock Yards Bank & Trust Company is a bank, headquartered in Louisville, KY, serving borrowers across 9 states, with 885 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 26% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 4LJGQ9KJ9S0CP4B1FY29
- **Headquarters:** Louisville, KY
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, CO, FL, IN, KY, NC, OH, SC, TN
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 74/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.140%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $888
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 885
- **Dollar Volume:** $251 million
- **Applications Received:** 1,253
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $283,339
- **Average Borrower Income:** $130,115
- **Average Property Value:** $349,745

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 730 | +0.127% | $890 | Strong 😀 |
| FHA | 67/100 | 100 | +0.462% | $1,173 | Strong 😀 |
| VA | 62/100 | 21 | -0.387% | $500 | Strong 😀 |
| Jumbo | 74/100 | 31 | -0.168% | $215 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 666 loans, Score: 71/100 (Strong)
- Refinance: 64 loans, Score: 57/100 (Sound)

**FHA:**
- Purchase: 95 loans, Score: 66/100 (Strong)

**Jumbo:**
- Purchase: 29 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 71/100 | 811 | $231M | +0.147% | Strong 😀 |
| Refinance | 57/100 | 74 | $19M | +0.071% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 700 | 1.51% | 92/100 |
| IN | 146 | 0.16% | 66/100 |
| OH | 27 | 0.02% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Louisville/Jefferson County, KY | KY-IN | 566 | 97/100 |
| Lexington | KY | 142 | 85/100 |
| Non |  | 89 | 50/100 |
| Cincinnati, OH |  | 36 | 56/100 |
| Indianapolis | IN | 28 | 52/100 |

## Where This Lender Ranks

Stock Yards Bank & Trust Company appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Louisville/Jefferson County, KY Banks
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks)
- 🥈 **#2** in Louisville/Jefferson County, KY
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders)
- 🥈 **#2** in Louisville/Jefferson County, KY for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Louisville/Jefferson County, KY for Jumbo Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Louisville/Jefferson County, KY for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Lexington
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders)
- 🥈 **#2** in Lexington Banks
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks)
- 🥈 **#2** in Lexington for Jumbo Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Lexington for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Louisville/Jefferson County, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Lexington for Conventional Loans
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Lexington for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Kentucky Banks
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks)
- 🏆 **#4** in Kentucky for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Kentucky for Jumbo Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/jumbo-loans)
- 🏆 **#5** in Kentucky for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#6** in Louisville/Jefferson County, KY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#6** in Louisville/Jefferson County, KY for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/banks/va-loans)
- 🏆 **#6** in Lexington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lexington/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#7** in Kentucky
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Stock Yards Bank & Trust Company offer?

Stock Yards Bank & Trust Company offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Stock Yards Bank & Trust Company offer mortgages?

Stock Yards Bank & Trust Company offers mortgages in 9 states: AL, CO, FL, IN, KY, NC, OH, SC, TN.

### How competitive are Stock Yards Bank & Trust Company's mortgage rates?

Stock Yards Bank & Trust Company has a pricing score of 74/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.140% above market average.

### What type of lender is Stock Yards Bank & Trust Company?

Stock Yards Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Louisville, KY.

### What is Stock Yards Bank & Trust Company's loan approval success rate?

Stock Yards Bank & Trust Company has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/stock-yards-bank-trust

### How to Cite

> "Stock Yards Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stock-yards-bank-trust

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