Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Stock Yards Bank & Trust Company of Louisville, KY reported 3,767 mortgage applications totaling $1.0 billion, up 9% from 2024. The average application was for $267,179, and applicants reported an average income of $149,637. 67% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,314), Lexington-Fayette, KY (544) and Cincinnati, OH-KY-IN (240) (applications in parentheses).
| Mortgage Company & Address | Stock Yards Bank & Trust Company 1040 East Main Street Louisville, KY 40223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,767 |
| Total Mortgage Loan Application Amount | $1,006,465,000 |
| Average Mortgage Loan Application Amount | $267,179 |
| Highest Mortgage Loan Application Amount | $35,205,000 |
| Average Applicant Income | $149,637 |
| Highest Applicant Income | $7,825,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson, Kentucky | 1,460 | $ 346,500,000 | $ 237,328 | $ 143,000 |
| Fayette, Kentucky | 204 | $ 65,670,000 | $ 321,911 | $ 178,000 |
| Clark, Indiana | 191 | $ 56,515,000 | $ 295,890 | $ 98,000 |
| Bullitt, Kentucky | 177 | $ 33,255,000 | $ 187,881 | $ 93,000 |
| Oldham, Kentucky | 161 | $ 45,845,000 | $ 284,751 | $ 206,000 |
| Shelby, Kentucky | 113 | $ 23,205,000 | $ 205,353 | $ 171,000 |
| Hamilton, Ohio | 112 | $ 38,520,000 | $ 343,928 | $ 210,000 |
| Clark, Kentucky | 104 | $ 19,200,000 | $ 184,615 | $ 103,000 |
| Floyd, Indiana | 99 | $ 15,945,000 | $ 161,060 | $ 105,000 |
| Marion, Indiana | 89 | $ 21,235,000 | $ 238,595 | $ 214,000 |
| Madison, Kentucky | 84 | $ 16,010,000 | $ 190,595 | $ 149,000 |
| Scott, Kentucky | 78 | $ 15,920,000 | $ 204,102 | $ 123,000 |
| Bourbon, Kentucky | 73 | $ 11,035,000 | $ 151,164 | $ 105,000 |
| Harrison, Kentucky | 58 | $ 5,920,000 | $ 102,068 | $ 71,000 |
| Jessamine, Kentucky | 55 | $ 14,365,000 | $ 261,181 | $ 159,000 |
| Rowan, Kentucky | 54 | $ 8,770,000 | $ 162,407 | $ 130,000 |
| Nelson, Kentucky | 40 | $ 4,780,000 | $ 119,500 | $ 85,000 |
| Boone, Kentucky | 37 | $ 9,345,000 | $ 252,567 | $ 363,000 |
| Kenton, Kentucky | 36 | $ 11,290,000 | $ 313,611 | $ 251,000 |
| Henry, Kentucky | 33 | $ 4,535,000 | $ 137,424 | $ 106,000 |
| Woodford, Kentucky | 30 | $ 5,070,000 | $ 169,000 | $ 98,000 |
| Hardin, Kentucky | 26 | $ 4,740,000 | $ 182,307 | $ 111,000 |
| Hamilton, Indiana | 18 | $ 20,160,000 | $ 1,120,000 | $ 329,000 |
| Scott, Indiana | 18 | $ 4,640,000 | $ 257,777 | $ 66,000 |
| Campbell, Kentucky | 18 | $ 3,130,000 | $ 173,888 | $ 126,000 |
| Franklin, Kentucky | 18 | $ 9,930,000 | $ 551,666 | $ 130,000 |
| Montgomery, Kentucky | 18 | $ 3,410,000 | $ 189,444 | $ 84,000 |
| Garrard, Kentucky | 17 | $ 2,995,000 | $ 176,176 | $ 82,000 |
| Spencer, Kentucky | 17 | $ 3,275,000 | $ 192,647 | $ 128,000 |
| Elliott, Kentucky | 15 | $ 1,015,000 | $ 67,666 | $ 103,000 |
| Warren, Ohio | 14 | $ 7,680,000 | $ 548,571 | $ 422,000 |
| Harrison, Indiana | 13 | $ 2,055,000 | $ 158,076 | $ 100,000 |
| Hendricks, Indiana | 13 | $ 3,665,000 | $ 281,923 | $ 137,000 |
| Nicholas, Kentucky | 10 | $ 1,260,000 | $ 126,000 | $ 74,000 |
| Butler, Ohio | 10 | $ 3,420,000 | $ 342,000 | $ 318,000 |
| Lee, Florida | 9 | $ 5,875,000 | $ 652,777 | $ 576,000 |
| Carter, Kentucky | 9 | $ 685,000 | $ 76,111 | $ 83,000 |
| Johnson, Indiana | 8 | $ 2,830,000 | $ 353,750 | $ 255,000 |
| Boyle, Kentucky | 7 | $ 1,165,000 | $ 166,428 | $ 116,000 |
| Fleming, Kentucky | 7 | $ 465,000 | $ 66,428 | $ 73,000 |
| Grayson, Kentucky | 7 | $ 715,000 | $ 102,142 | $ 88,000 |
| Trimble, Kentucky | 7 | $ 955,000 | $ 136,428 | $ 84,000 |
| Clermont, Ohio | 7 | $ 1,275,000 | $ 182,142 | $ 135,000 |
| Washington, Indiana | 6 | $ 1,430,000 | $ 238,333 | $ 186,000 |
| Anderson, Kentucky | 6 | $ 1,640,000 | $ 273,333 | $ 194,000 |
| Washington, Kentucky | 6 | $ 710,000 | $ 118,333 | $ 57,000 |
| Boone, Indiana | 5 | $ 1,735,000 | $ 347,000 | $ 126,000 |
| Grant, Kentucky | 5 | $ 1,525,000 | $ 305,000 | $ 264,000 |
| Mercer, Kentucky | 5 | $ 695,000 | $ 139,000 | $ 70,000 |
| Collier, Florida | 4 | $ 2,610,000 | $ 652,500 | $ 242,000 |
| Bath, Kentucky | 4 | $ 1,020,000 | $ 255,000 | $ 132,000 |
| Edmonson, Kentucky | 4 | $ 1,170,000 | $ 292,500 | $ 268,000 |
| Meade, Kentucky | 4 | $ 710,000 | $ 177,500 | $ 68,000 |
| Montgomery, Ohio | 4 | $ 1,990,000 | $ 497,500 | $ 163,000 |
| Bedford, Tennessee | 4 | $ 930,000 | $ 232,500 | $ 66,000 |
| Palm Beach, Florida | 3 | $ 3,385,000 | $ 1,128,333 | $ 1,043,000 |
| Pinellas, Florida | 3 | $ 2,235,000 | $ 745,000 | $ 323,000 |
| Bartholomew, Indiana | 3 | $ 1,665,000 | $ 555,000 | $ 1,258,000 |
| Hancock, Indiana | 3 | $ 1,175,000 | $ 391,666 | $ 157,000 |
| Madison, Indiana | 3 | $ 715,000 | $ 238,333 | $ 92,000 |
| Monroe, Indiana | 3 | $ 885,000 | $ 295,000 | $ 175,000 |
| Breckinridge, Kentucky | 3 | $ 465,000 | $ 155,000 | $ 31,000 |
| Hart, Kentucky | 3 | $ 165,000 | $ 55,000 | $ 74,000 |
| Larue, Kentucky | 3 | $ 315,000 | $ 105,000 | $ 109,000 |
| Menifee, Kentucky | 3 | $ 325,000 | $ 108,333 | $ 52,000 |
| Powell, Kentucky | 3 | $ 995,000 | $ 331,666 | $ 876,000 |
| Pulaski, Kentucky | 3 | $ 915,000 | $ 305,000 | $ 201,000 |
| Wayne, Kentucky | 3 | $ 485,000 | $ 161,666 | $ 121,000 |
| Wolfe, Kentucky | 3 | $ 655,000 | $ 218,333 | $ 96,000 |
| Broward, Florida | 2 | $ 800,000 | $ 400,000 | $ 145,000 |
| Charlotte, Florida | 2 | $ 340,000 | $ 170,000 | $ 373,000 |
| Walton, Florida | 2 | $ 520,000 | $ 260,000 | $ 147,000 |
| Jackson, Indiana | 2 | $ 200,000 | $ 100,000 | $ 91,000 |
| Jefferson, Indiana | 2 | $ 320,000 | $ 160,000 | $ 68,000 |
| Fulton, Kentucky | 2 | $ 100,000 | $ 50,000 | $ 15,000 |
| Lee, Kentucky | 2 | $ 280,000 | $ 140,000 | $ 160,000 |
| Letcher, Kentucky | 2 | $ 100,000 | $ 50,000 | $ 71,000 |
| Lewis, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 126,000 |
| Mason, Kentucky | 2 | $ 410,000 | $ 205,000 | $ 93,000 |
| Ohio, Kentucky | 2 | $ 50,000 | $ 25,000 | $ 181,000 |
| Russell, Kentucky | 2 | $ 340,000 | $ 170,000 | $ 183,000 |
| Franklin, Ohio | 2 | $ 450,000 | $ 225,000 | $ 67,000 |
| Portage, Ohio | 2 | $ 570,000 | $ 285,000 | $ 141,000 |
| Beaufort, South Carolina | 2 | $ 810,000 | $ 405,000 | $ 422,000 |
| Campbell, Tennessee | 2 | $ 510,000 | $ 255,000 | $ 755,000 |
| Davidson, Tennessee | 2 | $ 1,310,000 | $ 655,000 | $ 1,579,000 |
| Baldwin, Alabama | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Escambia, Florida | 1 | $ 415,000 | $ 415,000 | $ 119,000 |
| Manatee, Florida | 1 | $ 105,000 | $ 105,000 | $ 205,000 |
| Martin, Florida | 1 | $ 195,000 | $ 195,000 | $ 478,000 |
| Monroe, Florida | 1 | $ 13,005,000 | $ 13,005,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 325,000 | $ 325,000 | $ 770,000 |
| Sarasota, Florida | 1 | $ 1,445,000 | $ 1,445,000 | $ 272,000 |
| Barrow, Georgia | 1 | $ 23,505,000 | $ 23,505,000 | $ 0 |
| Cook, Illinois | 1 | $ 485,000 | $ 485,000 | $ 214,000 |
| DuPage, Illinois | 1 | $ 475,000 | $ 475,000 | $ 117,000 |
| Delaware, Indiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dubois, Indiana | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Greene, Indiana | 1 | $ 155,000 | $ 155,000 | $ 21,000 |
| Kosciusko, Indiana | 1 | $ 505,000 | $ 505,000 | $ 79,000 |
| Lawrence, Indiana | 1 | $ 1,255,000 | $ 1,255,000 | $ 434,000 |
| Morgan, Indiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Putnam, Indiana | 1 | $ 105,000 | $ 105,000 | $ 122,000 |
| Starke, Indiana | 1 | $ 225,000 | $ 225,000 | $ 324,000 |
| Steuben, Indiana | 1 | $ 405,000 | $ 405,000 | $ 534,000 |
| Tippecanoe, Indiana | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Vanderburgh, Indiana | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Wayne, Indiana | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Adair, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Allen, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Boyd, Kentucky | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Daviess, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 148,000 |
| Estill, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 6,000 |
| Green, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Hopkins, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 82,000 |
| Leslie, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Morgan, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 19,000 |
| Pendleton, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Warren, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 339,000 |
| Berrien, Michigan | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Charlevoix, Michigan | 1 | $ 495,000 | $ 495,000 | $ 260,000 |
| Emmet, Michigan | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Lenawee, Michigan | 1 | $ 35,205,000 | $ 35,205,000 | $ 0 |
| Oakland, Michigan | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
| Burke, North Carolina | 1 | $ 575,000 | $ 575,000 | $ 364,000 |
| Mecklenburg, North Carolina | 1 | $ 525,000 | $ 525,000 | $ 199,000 |
| Delaware, Ohio | 1 | $ 845,000 | $ 845,000 | $ 398,000 |
| Highland, Ohio | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Greenville, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 100,000 |
| Horry, South Carolina | 1 | $ 1,125,000 | $ 1,125,000 | $ 209,000 |
| Knox, Tennessee | 1 | $ 365,000 | $ 365,000 | $ 240,000 |
| Montgomery, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Roane, Tennessee | 1 | $ 305,000 | $ 305,000 | $ 313,000 |
| Robertson, Tennessee | 1 | $ 685,000 | $ 685,000 | $ 270,000 |
| Sumner, Tennessee | 1 | $ 445,000 | $ 445,000 | $ 328,000 |
| Williamson, Tennessee | 1 | $ 465,000 | $ 465,000 | $ 107,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,779 | $626,665,000 | $352,000 | $35,205,000 | $132,000 | $2,320,000 |
| Home Improvement | 721 | $107,675,000 | $149,000 | $15,005,000 | $140,000 | $7,825,000 |
| Refinancing | 601 | $180,215,000 | $299,000 | $13,005,000 | $217,000 | $5,145,000 |
| Other Purpose | 576 | $72,910,000 | $126,000 | $1,495,000 | $148,000 | $1,908,000 |
| Cash-out Refinancing | 83 | $18,225,000 | $219,000 | $785,000 | $135,000 | $2,094,000 |
| Not Applicable | 7 | $775,000 | $110,000 | $235,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,627 | $548,955,000 | $208,000 | $5,835,000 | $160,000 | $7,825,000 |
| Hispanic | 420 | $63,790,000 | $151,000 | $1,205,000 | $74,000 | $1,446,000 |
| Not applicable | 302 | $309,230,000 | $1,023,000 | $35,205,000 | $0 | $0 |
| Black or African American | 206 | $25,090,000 | $121,000 | $1,505,000 | $86,000 | $2,279,000 |
| Not Provided | 158 | $41,110,000 | $260,000 | $2,485,000 | $231,000 | $2,068,000 |
| Asian | 50 | $17,620,000 | $352,000 | $1,785,000 | $212,000 | $949,000 |
| American Indian or Alaskan Native | 3 | $545,000 | $181,000 | $485,000 | $83,000 | $155,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $48,000 | $48,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 3,503 | $942,885,000 | $269,000 | $35,205,000 | $153,000 | $7,825,000 |
| FHA-insured (Federal Housing Administration) | 204 | $46,300,000 | $226,000 | $485,000 | $87,000 | $510,000 |
| VA-guaranteed (Veterans Administration) | 43 | $13,445,000 | $312,000 | $765,000 | $121,000 | $515,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $3,835,000 | $225,000 | $285,000 | $91,000 | $116,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,539 | $735,995,000 | $289,000 | $35,205,000 | $162,000 | $5,145,000 |
| Application Denied By Financial Institution | 707 | $93,695,000 | $132,000 | $4,885,000 | $118,000 | $7,825,000 |
| Application Withdrawn By Applicant | 434 | $148,260,000 | $341,000 | $13,005,000 | $124,000 | $1,840,000 |
| File Closed For Incompleteness | 38 | $13,710,000 | $360,000 | $5,835,000 | $158,000 | $1,757,000 |
| Application Approved But Not Accepted | 36 | $12,690,000 | $352,000 | $3,585,000 | $150,000 | $462,000 |
| Loan Purchased By The Institution | 12 | $1,470,000 | $122,000 | $285,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $645,000 | $645,000 | $645,000 | $847,000 | $847,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,060 | $912,770,000 | $298,000 | $35,205,000 | $157,000 | $5,145,000 |
| Debt-To-Income Ratio | 267 | $38,085,000 | $142,000 | $1,125,000 | $64,000 | $250,000 |
| Credit History | 251 | $20,085,000 | $80,000 | $355,000 | $117,000 | $2,094,000 |
| Collateral | 66 | $10,220,000 | $154,000 | $755,000 | $124,000 | $931,000 |
| Other | 45 | $9,175,000 | $203,000 | $1,505,000 | $198,000 | $2,279,000 |
| Credit Application Incomplete | 34 | $10,570,000 | $310,000 | $4,885,000 | $537,000 | $7,825,000 |
| Employment History | 18 | $1,910,000 | $106,000 | $255,000 | $57,000 | $109,000 |
| Unverifiable Information | 14 | $1,650,000 | $117,000 | $405,000 | $76,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,000,000 | $166,000 | $325,000 | $65,000 | $99,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Stock Yards Bank & Trust Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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