Applications / Mortgage Analytics / Lenders / Kentucky / Stock Yards Bank & Trust Company
Louisville, KY · State non-member bank · FDIC · $9.5 billion assets · 2,539 loans in 2025
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2,539
loans originated, 2025
3,754
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stock Yards Bank & Trust Company is a Louisville bank, fourth in its home market, whose lending to low- and moderate-income (LMI) borrowers and areas is higher than nearly all similar banks'.
Similar lenders are state non-member banks making between half and twice as many loans. LMI borrowers took 40.3% of its loans against 28.3%, higher than about nine in ten similar lenders, and 24.4% were in LMI areas against 15.6%, among the highest tenth. Five years before, the two were 29.5% and 13.5%. Its share in majority-minority areas, 9.1%, was close to peers' 9.2%.
Originations rose 13% to 2,539, in line with similar lenders' 13% and above the market's 10%, but the amount lent fell to $736.0 million from $779.9 million. Its typical loan was $175,000 against peers' $205,000. Home improvement (17.5%) and other purposes (12.4%) add smaller loans to a book where purchases are 51.4%.
It ranks 4 of 510 in Louisville/Jefferson County, where its share eased to 4.1% from 4.3%, and 9 of 389 in Lexington-Fayette, where it fell to 2.7% from 3.3%. Shares are measured in dollars, and the fall in its total amount lent could account for part of the declines.
It made 1,242 loans in 2018 against 2,539 in 2025, about double. Its history records mergers with King Southern Bank in 2019 and Kentucky Bank in 2021, and the business these brought may account for part of that rise.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stock Yards Bank & Trust Company took 3,754 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.4% · Refinance 18.7% · Home improvement 17.5% · Other 12.4%
Conventional 94.3% · FHA 4.3% · VA 1.1% · USDA (RHS or FSA) 0.4% · of 2,539 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 2,044 | 80.5% |
| Indiana | 341 | 13.4% |
| Ohio | 114 | 4.5% |
| Florida | 23 | 0.9% |
| Tennessee | 6 | 0.2% |
| Michigan | 4 | 0.2% |
| North Carolina | 2 | 0.1% |
| South Carolina | 2 | 0.1% |
| Alabama | 1 | 0.0% |
| Georgia | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 1,584 |
| Lexington-Fayette | 371 |
| Cincinnati | 177 |
| Indianapolis-Carmel-Greenwood | 98 |
| Elizabethtown | 18 |
| Cape Coral-Fort Myers | 8 |
| Huntington-Ashland | 7 |
| Bowling Green | 6 |
| Nashville-Davidson--Murfreesboro--Franklin | 4 |
| Columbus | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 4LJGQ9KJ9S0CP4B1FY29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 317342 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3258 | 1990–2017 |
Established 1 June 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Stock Yards Bank & Trust Company's data.
Stock Yards Bank & Trust Company's data
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Stock Yards Bank & Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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