Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,402
median across reports
vs. National Average
1%
above national avg
Avg Origination Charge
$1,460
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,460 | $1,553 | 🟡 Average |
| discount_points | $1,302 | $2,425 | 🟢 Below Avg |
| lender_credits | $151 | $443 | 🟢 Below Avg |
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Check My Loan Estimate — $19Based on 1,176 homebuyer-submitted Closing Disclosures, Stock Yards Bank & Trust Company's median total closing costs are $3,402. This is roughly in line with the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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Average Closing Costs by State
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Aggregates from Stock Yards Bank & Trust Company's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
865
Ranked #423 nationally
Median Total Costs
$3,604
−46.0% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
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 |
| This lender | Kentucky median | National median | |
|---|---|---|---|
| Total Closing Costs | $3,686 | $5,007 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 676 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 6.500% |
| $4,911 |
| — |