Purchase Originations
865
Ranked #423 nationally
Median Total Costs
$3,604
−46.0% vs national ($6,680)
↑ $368 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$995
Median Lender Credits
$43
Cost Rank (500+ vol.)
#77
among lenders with 500+ originations
Denial Rate
7.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 725 | 6.625% | $3,481 | $995 |
| fha | 104 | 6.375% | $8,787 | $2,921 |
| va | 27 | 6.125% | $3,104 | $460 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,659 | 6.731% | — | 22 | −$945 | |
| 2 | $2,751 | 6.875% | — | 30 | −$853 | |
| 3 | $2,869 | 6.688% | — | 70 | −$735 | |
| 4 | $3,432 | 6.375% | — | 8 | −$172 | |
| 5 | $3,500 | 6.312% | — | 12 | −$104 | |
| 6 | $3,509 | 6.812% | — | 20 | −$95 | |
| 7 | $3,564 | 6.625% | — | 343 | −$40 | |
| 8 | $3,568 | 6.250% | — | 27 | −$36 | |
| 9 | $3,585 | 6.500% | — | 25 | −$19 | |
| 10 | $3,665 | 6.125% | — | 7 | +$61 | |
| 11 | $3,686 | 6.625% | — | 17 | +$82 | |
| 12 | $3,698 | 6.562% | — | 48 | +$94 | |
| 13 | $3,813 | 6.500% | — | 6 | +$209 | |
| 14 | $3,990 | 6.500% | — | 18 | +$386 | |
| 15 | $4,054 | 6.250% | — | 66 | +$450 | |
| 16 | $4,202 | 6.875% | — | 9 | +$598 | |
| 17 | $4,396 | 6.375% | — | 10 | +$792 | |
| 18 | $4,425 | 6.438% | — | 6 | +$821 | |
| 19 | $4,901 | 6.323% | — | 27 | +$1,297 | |
| 20 | $5,625 | 6.500% | — | 8 | +$2,021 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Stock Yards Bank & Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $225,000 | $335,000 | −$110,000 (−32.8%) |
| Median total closing costs | $3,604 | $7,127 | −$3,523 (−49.4%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.