Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | Traditional Bank Inc | STOCK YARDS BANK |
|---|---|---|
| Total Applications | 911 | 3,447 ▲ |
| Loans Originated | 749 | 2,255 |
| Approval Rate (higher is better) | 82.2% ✓ | 65.4% |
| Denial Rate (lower is better) | 7.6% ✓ | 21.3% |
| Avg Loan Amount | $221,378 | $300,715 |
| Avg Interest Rate (lower is better) | 7.795% | 6.911% ✓ |
| Avg Applicant Income | $33,000 | $36,000 |
| Applications Denied | 69 | 734 |
| Applications Withdrawn | 80 | 368 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Traditional Bank Inc | STOCK YARDS BANK |
|---|---|---|
| Conventional | 843 (92.5%) | 3,219 (93.4%) |
| FHA | 53 (5.8%) | 185 (5.4%) |
| VA | 9 (1.0%) | 38 (1.1%) |
| USDA | 6 (0.7%) | 5 (0.1%) |
Loan Purpose Breakdown
| Purpose | Traditional Bank Inc | STOCK YARDS BANK |
|---|---|---|
| Home Purchase | 418 | 1,570 |
| Refinancing | 214 | 512 |
| Other | 150 | 589 |
| Home Improvement | 127 | 675 |
| Cash-out Refinancing | 2 | 97 |
Top States by Loan Volume
No state data available.
| State | Originated | Rank |
|---|---|---|
| Kentucky | 1,827 | #8 |
Summary
- 911 total applications · 749 originated
- Approval rate: 82.2%
- Denial rate: 7.6%
- Avg loan: $221,378
- Avg rate: 7.795%
- HQ: Mt Sterling, KY
- 3,447 total applications · 2,255 originated
- Approval rate: 65.4%
- Denial rate: 21.3%
- Avg loan: $300,715
- Avg rate: 6.911%
- HQ: LOUISVILLE, KY
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.