Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Stock Yards Bank & Trust Company of Louisville, KY reported 3,158 mortgage applications totaling $373.9 million. The average application was for $118,384, and applicants reported an average income of $56,694. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville, KY-IN (2,652), Indianapolis, IN (12) and Lexington, KY (7) (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 | 3,158 |
| Total Mortgage Loan Application Amount | $373,858,000 |
| Average Mortgage Loan Application Amount | $118,384 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $56,694 |
| Highest Applicant Income | $6,333,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,296 | $ 268,167,000 | $ 116,797 | $ 46,000 |
| Bullitt, Kentucky | 209 | $ 20,032,000 | $ 95,846 | $ 34,000 |
| Clark, Indiana | 184 | $ 18,675,000 | $ 101,494 | $ 50,000 |
| Oldham, Kentucky | 147 | $ 25,942,000 | $ 176,476 | $ 77,000 |
| Floyd, Indiana | 111 | $ 12,381,000 | $ 111,540 | $ 44,000 |
| Harrison, Indiana | 28 | $ 3,240,000 | $ 115,714 | $ 50,000 |
| Shelby, Kentucky | 25 | $ 4,771,000 | $ 190,840 | $ 110,000 |
| Nelson, Kentucky | 21 | $ 1,617,000 | $ 77,000 | $ 48,000 |
| Hardin, Kentucky | 18 | $ 1,972,000 | $ 109,555 | $ 49,000 |
| Spencer, Kentucky | 17 | $ 1,924,000 | $ 113,176 | $ 49,000 |
| Scott, Indiana | 15 | $ 1,382,000 | $ 92,133 | $ 44,000 |
| Meade, Kentucky | 12 | $ 1,174,000 | $ 97,833 | $ 42,000 |
| Marion, Indiana | 8 | $ 1,468,000 | $ 183,500 | $ 583,000 |
| Breckinridge, Kentucky | 7 | $ 383,000 | $ 54,714 | $ 30,000 |
| Washington, Indiana | 6 | $ 320,000 | $ 53,333 | $ 45,000 |
| Fayette, Kentucky | 4 | $ 564,000 | $ 141,000 | $ 31,000 |
| Henry, Kentucky | 4 | $ 266,000 | $ 66,500 | $ 31,000 |
| Sarasota, Florida | 3 | $ 910,000 | $ 303,333 | $ 202,000 |
| Grayson, Kentucky | 3 | $ 224,000 | $ 74,666 | $ 13,000 |
| Hamilton, Indiana | 2 | $ 1,417,000 | $ 708,500 | $ 320,000 |
| Hendricks, Indiana | 2 | $ 667,000 | $ 333,500 | $ 367,000 |
| Jackson, Indiana | 2 | $ 156,000 | $ 78,000 | $ 35,000 |
| Scott, Kentucky | 2 | $ 231,000 | $ 115,500 | $ 0 |
| Sevier, Tennessee | 2 | $ 190,000 | $ 95,000 | $ 36,000 |
| Baldwin, Alabama | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Eagle, Colorado | 1 | $ 75,000 | $ 75,000 | $ 875,000 |
| Broward, Florida | 1 | $ 350,000 | $ 350,000 | $ 514,000 |
| Collier, Florida | 1 | $ 145,000 | $ 145,000 | $ 160,000 |
| Lee, Florida | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Monroe, Florida | 1 | $ 323,000 | $ 323,000 | $ 406,000 |
| Orange, Florida | 1 | $ 125,000 | $ 125,000 | $ 178,000 |
| Palm Beach, Florida | 1 | $ 169,000 | $ 169,000 | $ 162,000 |
| Walton, Florida | 1 | $ 248,000 | $ 248,000 | $ 506,000 |
| Cobb, Georgia | 1 | $ 6,000 | $ 6,000 | $ 61,000 |
| Fulton, Georgia | 1 | $ 1,095,000 | $ 1,095,000 | $ 53,000 |
| Gwinnett, Georgia | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Brown, Indiana | 1 | $ 170,000 | $ 170,000 | $ 175,000 |
| Crawford, Indiana | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Jefferson, Indiana | 1 | $ 72,000 | $ 72,000 | $ 45,000 |
| Jennings, Indiana | 1 | $ 62,000 | $ 62,000 | $ 53,000 |
| Monroe, Indiana | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Putnam, Indiana | 1 | $ 186,000 | $ 186,000 | $ 400,000 |
| Clinton, Kentucky | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Edmonson, Kentucky | 1 | $ 3,000 | $ 3,000 | $ 26,000 |
| Green, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 90,000 |
| Jessamine, Kentucky | 1 | $ 10,000 | $ 10,000 | $ 52,000 |
| Kenton, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| Knox, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 824,000 |
| Larue, Kentucky | 1 | $ 91,000 | $ 91,000 | $ 84,000 |
| Marion, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 47,000 |
| Trimble, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 40,000 |
| Warren, Kentucky | 1 | $ 93,000 | $ 93,000 | $ 175,000 |
| Beaufort, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Fairfax, Virginia | 1 | $ 700,000 | $ 700,000 | $ 1,000,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,044 | $257,357,000 | $237,666 | $1,000,000 | $245,166 | $6,333,000 |
| Home Purchase (one-to-four family) | 831 | $102,801,000 | $272,000 | $1,095,000 | $99,000 | $1,197,000 |
| Home Improvement (one-to-four family) | 255 | $4,821,000 | $31,000 | $310,000 | $254,500 | $875,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 28 | $8,879,000 | $343,500 | $1,505,000 | $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 | 2,676 | $315,020,000 | $243,125 | $1,095,000 | $306,875 | $6,333,000 |
| Information not provided by applicant in mail or telephone application | 188 | $22,102,000 | $171,750 | $858,000 | $167,750 | $1,900,000 |
| Not applicable | 125 | $19,096,000 | $154,000 | $1,505,000 | $250 | $23,000 |
| Black | 97 | $8,764,000 | $113,000 | $490,000 | $70,500 | $456,000 |
| Asian or Pacific Islander | 35 | $4,605,000 | $131,000 | $323,000 | $37,000 | $245,000 |
| Hispanic | 21 | $2,400,000 | $93,500 | $323,000 | $63,500 | $300,000 |
| Other | 10 | $1,273,000 | $127,000 | $323,000 | $109,000 | $314,000 |
| American Indian or Alaskan Native | 6 | $598,000 | $99,000 | $159,000 | $40,000 | $58,000 |
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) | 2,846 | $340,099,000 | $236,555 | $1,505,000 | $269,888 | $6,333,000 |
| FHA-insured (Federal Housing Administration) | 243 | $25,557,000 | $106,000 | $200,000 | $38,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 65 | $7,752,000 | $115,500 | $203,000 | $32,500 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $450,000 | $112,000 | $174,000 | $33,000 | $57,000 |
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 | 2,511 | $304,243,000 | $268,375 | $1,505,000 | $298,125 | $6,333,000 |
| Application Withdrawn By Applicant | 340 | $38,997,000 | $106,000 | $745,000 | $52,750 | $576,000 |
| Application Denied By Financial Institution | 216 | $19,954,000 | $93,500 | $1,000,000 | $42,500 | $287,000 |
| Application Approved But Not Accepted | 48 | $5,803,000 | $115,500 | $322,000 | $54,500 | $255,000 |
| File Closed For Incompleteness | 43 | $4,861,000 | $102,500 | $280,000 | $45,500 | $194,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 55 | $6,304,000 | $113,000 | $550,000 | $38,000 | $287,000 |
| Credit History | 47 | $4,424,000 | $93,500 | $226,000 | $46,500 | $90,000 |
| Other | 28 | $2,934,000 | $110,500 | $220,000 | $39,000 | $144,000 |
| Collateral | 11 | $983,000 | $120,000 | $203,000 | $64,500 | $101,000 |
| Credit Application Incomplete | 8 | $1,120,000 | $140,000 | $300,000 | $56,000 | $190,000 |
| Unverifiable Information | 2 | $142,000 | $71,000 | $110,000 | $27,000 | $34,000 |
| Employment History | 2 | $200,000 | $100,000 | $159,000 | $31,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2003 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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