Stock Yards Bank & Trust Company Mortgage Rates, Fees & Info
Louisville, KYLEI: 4LJGQ9KJ9S0CP4B1FY29
Tax ID: 61-0354170
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Mortgage Data
Review & Overview
Stock Yards Bank & Trust Company is a smaller bank specializing in Home Purchase loans. Stock Yards Bank & Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Louisville, Lexington, Cincinnati, Indianapolis, and Dayton among others. We have data for 53 markets. (Some data included below & more in-depth data is available with an active subscription.)Stock Yards Bank & Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Stock Yards Bank & Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 5.76% | 4/21/24 |
| 30 Year Conventional Refi | 6.15% | 4/21/24 |
| 30 Year Cash-out Refi | 6.70% | 4/21/24 |
| 30 Year FHA Purchase | 7.41% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.32% | 4/21/24 |
| 30 Year USDA Purchase | 6.60% | 4/21/24 |
| 15 Year Conventional Purchase | 5.93% | 4/21/24 |
| 15 Year Conventional Refi | 6.22% | 4/21/24 |
| 15 Year Cash-out Refi | 6.22% | 4/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Stock Yards Bank & Trust Company Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
2,571Origination Dollar Volume (All Markets)
$625,475,000Awards
Stock Yards Bank & Trust Company - 2022
Stock Yards Bank & Trust Company is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| LOUISVILLE, KY (FHA|USDA|VA) | 1,577 | $326,345,000 | $206,940 | $3,035 | 4.36% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 332 | $73,340,000 | $220,904 | $3,061 | 4.28% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 172 | $58,190,000 | $338,314 | $3,181 | 4.17% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 111 | $28,455,000 | $256,351 | $2,650 | 4.19% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 9 | $28,075,000 | $3,119,444 | $2,669 | 4.84% |
| Richmond-Berea, KY (FHA|USDA|VA) | 81 | $22,775,000 | $281,173 | $3,483 | 4.55% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $18,505,000 | $18,505,000 | $0 | 4.00% |
| Outside of Metro Areas | 128 | $16,640,000 | $130,000 | $2,967 | 4.43% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $6,370,000 | $3,185,000 | $0 | 4.80% |
| Mount Sterling, KY (FHA|USDA|VA) | 19 | $3,785,000 | $199,211 | $4,252 | 4.22% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $3,615,000 | $723,000 | $3,934 | 4.67% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 20 | $3,600,000 | $180,000 | $3,935 | 4.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $3,405,000 | $3,405,000 | $0 | 4.00% |
| Bardstown, KY (FHA|USDA|VA) | 20 | $3,290,000 | $164,500 | $4,643 | 4.37% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $2,840,000 | $473,333 | $5,437 | 4.79% |
| Key West, FL (FHA|USDA|VA) | 3 | $2,745,000 | $915,000 | $7,414 | 5.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $2,720,000 | $680,000 | $5,535 | 5.91% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 5 | $2,665,000 | $533,000 | $4,852 | 3.37% |
| Scottsburg, IN (FHA|USDA|VA) | 10 | $1,540,000 | $154,000 | $2,609 | 4.59% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 8 | $1,530,000 | $191,250 | $3,386 | 4.98% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $5,645 | 3.63% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $0 | 6.30% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $4,290 | 4.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $0 | 4.12% |
| Frankfort, KY (FHA|USDA|VA) | 7 | $715,000 | $102,143 | $2,409 | 4.27% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $2,887 | 4.75% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $7,078 | 4.63% |
| Somerset, KY (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,334 | 5.92% |
| London, KY (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 4.60% |
| Danville, KY (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $3,714 | 3.93% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,173 | 3.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $6,550 | 5.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,097 | 3.50% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,725 | 3.15% |
| Madison, IN (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,364 | 6.25% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,577 | 5.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,162 | 3.13% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 4.99% |
| Maysville, KY (FHA|USDA|VA) | 5 | $375,000 | $75,000 | $4,567 | 4.00% |
| AKRON, OH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,040 | 4.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,170 | 3.18% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,971 | 2.31% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.10% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,776 | 5.13% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,069 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,577 | 3.63% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,546 | 5.88% |
| Findlay, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.00% |
| Campbellsville, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,012 | 4.50% |
| Logansport, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.89% |
| TULSA, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,217 | 5.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against Stock Yards Bank & Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Stock Yards Bank & Trust Company's most frequently originated type of loan was Conventional, with 1,460 originations. Their 2nd most popular type was HELOC, with 1,022 originations.
Loan Reason
For 2022, Stock Yards Bank & Trust Company's most frequently cited loan purpose was Home Purchase, with 1,194 originations. The 2nd most popular reason was Refi, with 454 originations.
Loan Duration/Length
For 2022, Stock Yards Bank & Trust Company's most frequently cited loan duration was 30 Year, with 1,167 originations. The 2nd most popular length was 10 Year, with 1,017 originations.
Origination Fees/Closing Costs
Stock Yards Bank & Trust Company's average total fees were $3,160, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,095 originations.
Interest Rates
During 2022, Stock Yards Bank & Trust Company's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 4-5%, with 807 originations.
Loan Sizing
2022 saw Stock Yards Bank & Trust Company place emphasis on $100k-200k loans with 884 originations, totaling $130,920,000 in origination value.
Applicant Income
Stock Yards Bank & Trust Company lent most frequently to those with incomes in the $50k or less range, with 563 originations. The second most popular income band? $50k-75k, with 511 originations.
Applicant Debt to Income Ratio
Stock Yards Bank & Trust Company lent most frequently to those with DTI ratios of 20-30%, with 530 originations. The next most common DTI ratio? 30-36%, with 460 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.71%
Stock Yards Bank & Trust Company has a below average approval rate.
Pick Rate
Approvals leading to origination79.62%
Stock Yards Bank & Trust Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,571 | $625,475,000 | $243,281 |