Stock Yards Bank & Trust Company mortgage approval rate & lending review
Stock Yards Bank & Trust Company decided 4,543 mortgage applications and funded 3,712 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Stock Yards Bank & Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Stock Yards Bank & Trust Company at a glance
Approval is 3.4 points above the 79.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 1,969 / 2,223 | 99% | $195K | 1,955 |
| Home improvement loans | 65% | 624 / 958 | 97% | $65K | 608 |
| Cash-out refinance | 58% | 53 / 92 | 98% | $145K | 52 |
| Refinance | 83% | 537 / 649 | 98% | $125K | 525 |
| Investment property purchase | 93% | 354 / 381 | 99% | $195K | 352 |
| Investment refinance | 93% | 145 / 156 | 98% | $155K | 142 |
| Investment home improvement | 93% | 76 / 82 | 100% | $155K | 76 |
Stock Yards Bank & Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 82% | $195K | 3,459 | 2,803 |
| Indiana | 83% | $195K | 698 | 574 |
| Ohio | 88% | $295K | 294 | 255 |
| Florida | 89% | $375K | 55 | 49 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Stock Yards Bank & Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, KY | Mortgage lenders | 88% | 1,404 | 1,222 |
| Jefferson County, KY | Home improvement loans | 63% | 629 | 383 |
| Jefferson County, KY | Refinance | 82% | 444 | 354 |
| Clark County, IN | Mortgage lenders | 92% | 239 | 221 |
| Fayette County, KY | Mortgage lenders | 92% | 207 | 190 |
| Jefferson County, KY | Investment property purchase | 92% | 191 | 173 |
| Jefferson County, KY | Investment refinance | 92% | 95 | 84 |
| Hamilton County, OH | Home improvement loans | 86% | 81 | 68 |
| Jefferson County, KY | Investment home improvement | 97% | 59 | 57 |
| Hardin County, KY | Mortgage lenders | 87% | 60 | 52 |
| Fayette County, KY | Investment property purchase | 94% | 47 | 44 |
| Fayette County, KY | Home improvement loans | 75% | 57 | 43 |
The county markets where Stock Yards Bank & Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Stock Yards Bank & Trust Company
What is Stock Yards Bank & Trust Company's mortgage approval rate?
Stock Yards Bank & Trust Company approved 82.8% of the 4,543 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.4 points above the 79.4% national rate for the same mix of loan types.
How often do borrowers take the loan Stock Yards Bank & Trust Company offers?
Borrowers accepted 99% of the loans Stock Yards Bank & Trust Company approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Stock Yards Bank & Trust Company make?
The typical home purchase mortgage loan Stock Yards Bank & Trust Company made was $195K; across all loan types its typical loan ran from $65K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Stock Yards Bank & Trust Company lend?
Stock Yards Bank & Trust Company decided applications in 18 of the states Fat Boy Data covers, most of them in Kentucky, Indiana and Ohio.
Can I apply to Stock Yards Bank & Trust Company directly?
Yes. Stock Yards Bank & Trust Company is a bank or credit union with 84 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Stock Yards Bank & Trust Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Stock Yards Bank & Trust Company treats applications, then get a rate quote from the lender.