We analyzed every closed loan from Stock Yards Bank & Trust Company — 885 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 4 mkts
Awards
Conventional
Superstar
FHA
Superstar
Jumbo
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Stock Yards Bank & Trust Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+14.0 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 730 | 82.5% | +0.127%Above | $890Fees | ||||
FHA Loans | 100 | 11.3% | +0.462%Above | $1,173Fees | ||||
VA Loans | — | 21 | 2.4% | -0.387%Below | $500Fees | |||
Jumbo Loans | 31 | 3.5% | -0.168%Below | $215Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume730
Mix82.5%
Spread
+0.127%Above
Fees
$890Fees
FHA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume100
Mix11.3%
Spread
+0.462%Above
Fees
$1,173Fees
VA Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume21
Mix2.4%
Spread
-0.387%Below
Fees
$500Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume31
Mix3.5%
Spread
-0.168%Below
Fees
$215Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 811 | 91.6% | +0.147%Above | $868Fees | ||||
Refinance | 74 | 8.4% | +0.071%Above | $1,096Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume811
Mix91.6%
Spread
+0.147%Above
Fees
$868Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume74
Mix8.4%
Spread
+0.071%Above
Fees
$1,096Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
885
Applications
1,253
Volume
$250 million
Pricing & Closing
Avg Rate Spread
+0.140%
vs. market APOR
Avg Net Fees
$888
Origination − Credits
Pullthrough Rate
70.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$283,339
Avg Borrower Income
$130,115
Avg Property Value
$349,745
Geographic Coverage
Geographic Performance
Metro Areas
4
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
9Midwest2
INOH
South6
ALFLKYNCSCTN
West1
CO
Top Metro Areas by Place Specialization Score
Volume 566Mix 63.95% of portfolio
97/100
Exceptional
Volume 142Mix 16.05% of portfolio
85/100
Exceptional
Volume 36Mix 4.07% of portfolio
56/100
Sound
Volume 28Mix 3.16% of portfolio
52/100
SoundTop States by Place Specialization Score
1
KentuckyState
Volume 700Mix 79.10% of portfolio
92/100
Exceptional2
IndianaState
Volume 146Mix 16.50% of portfolio
66/100
Strong3
OhioState
Volume 27Mix 3.05% of portfolio
47/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.