Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Stock Yards Bank & Trust Company of Louisville, KY reported 1,633 mortgage applications totaling $209.3 million, down 48% from 2003. The average application was for $128,155, and applicants reported an average income of $64,489. 75% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Louisville, KY-IN (1,309), Elizabethtown, KY (64) and Indianapolis, IN (21) (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 | 1,633 |
| Total Mortgage Loan Application Amount | $209,278,000 |
| Average Mortgage Loan Application Amount | $128,155 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $64,489 |
| Highest Applicant Income | $2,400,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,117 | $ 137,225,000 | $ 122,851 | $ 54,000 |
| Bullitt, Kentucky | 92 | $ 9,174,000 | $ 99,717 | $ 59,000 |
| Clark, Indiana | 85 | $ 7,247,000 | $ 85,258 | $ 48,000 |
| Hardin, Kentucky | 61 | $ 8,274,000 | $ 135,639 | $ 55,000 |
| Oldham, Kentucky | 56 | $ 11,995,000 | $ 214,196 | $ 116,000 |
| Floyd, Indiana | 44 | $ 4,941,000 | $ 112,295 | $ 72,000 |
| Scott, Indiana | 18 | $ 1,399,000 | $ 77,722 | $ 39,000 |
| Shelby, Kentucky | 15 | $ 3,376,000 | $ 225,066 | $ 50,000 |
| Marion, Indiana | 10 | $ 1,695,000 | $ 169,500 | $ 63,000 |
| Spencer, Kentucky | 10 | $ 1,095,000 | $ 109,500 | $ 53,000 |
| Harrison, Indiana | 9 | $ 908,000 | $ 100,888 | $ 59,000 |
| Meade, Kentucky | 9 | $ 1,237,000 | $ 137,444 | $ 64,000 |
| Nelson, Kentucky | 7 | $ 947,000 | $ 135,285 | $ 68,000 |
| Hamilton, Indiana | 6 | $ 4,096,000 | $ 682,666 | $ 429,000 |
| Washington, Indiana | 4 | $ 433,000 | $ 108,250 | $ 38,000 |
| Grayson, Kentucky | 4 | $ 488,000 | $ 122,000 | $ 109,000 |
| Pinellas, Florida | 3 | $ 459,000 | $ 153,000 | $ 18,000 |
| Larue, Kentucky | 3 | $ 530,000 | $ 176,666 | $ 59,000 |
| Monroe, Florida | 2 | $ 957,000 | $ 478,500 | $ 114,000 |
| Sarasota, Florida | 2 | $ 558,000 | $ 279,000 | $ 394,000 |
| Crawford, Indiana | 2 | $ 24,000 | $ 12,000 | $ 18,000 |
| Hancock, Indiana | 2 | $ 1,579,000 | $ 789,500 | $ 237,000 |
| Hendricks, Indiana | 2 | $ 756,000 | $ 378,000 | $ 228,000 |
| Pulaski, Kentucky | 2 | $ 307,000 | $ 153,500 | $ 212,000 |
| Trimble, Kentucky | 2 | $ 107,000 | $ 53,500 | $ 41,000 |
| Broward, Florida | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Lee, Florida | 1 | $ 1,247,000 | $ 1,247,000 | $ 936,000 |
| Okaloosa, Florida | 1 | $ 455,000 | $ 455,000 | $ 324,000 |
| St. Lucie, Florida | 1 | $ 173,000 | $ 173,000 | $ 66,000 |
| Fulton, Georgia | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| Fremont, Idaho | 1 | $ 325,000 | $ 325,000 | $ 700,000 |
| Bartholomew, Indiana | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Brown, Indiana | 1 | $ 179,000 | $ 179,000 | $ 103,000 |
| Henry, Indiana | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Jefferson, Indiana | 1 | $ 91,000 | $ 91,000 | $ 31,000 |
| Lawrence, Indiana | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Orange, Indiana | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Allen, Kentucky | 1 | $ 194,000 | $ 194,000 | $ 73,000 |
| Boone, Kentucky | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Breckinridge, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 142,000 |
| Edmonson, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 73,000 |
| Fayette, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 28,000 |
| Franklin, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 67,000 |
| Henry, Kentucky | 1 | $ 96,000 | $ 96,000 | $ 43,000 |
| Livingston, Kentucky | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Russell, Kentucky | 1 | $ 58,000 | $ 58,000 | $ 165,000 |
| Scott, Kentucky | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Warren, Kentucky | 1 | $ 267,000 | $ 267,000 | $ 96,000 |
| New York, New York | 1 | $ 752,000 | $ 752,000 | $ 138,000 |
| Charleston, South Carolina | 1 | $ 194,000 | $ 194,000 | $ 42,000 |
| Horry, South Carolina | 1 | $ 146,000 | $ 146,000 | $ 36,000 |
| Davidson, Tennessee | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Sevier, Tennessee | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2004
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 | 801 | $106,771,000 | $242,142 | $3,600,000 | $167,857 | $1,032,000 |
| Home Purchase | 691 | $97,900,000 | $182,571 | $2,001,000 | $79,142 | $2,400,000 |
| Home Improvement | 141 | $4,607,000 | $32,000 | $1,195,000 | $49,666 | $168,000 |
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 | 1,255 | $155,060,000 | $224,000 | $2,001,000 | $139,500 | $2,400,000 |
| Not Provided | 149 | $16,615,000 | $173,800 | $832,000 | $112,200 | $647,000 |
| Not applicable | 99 | $22,083,000 | $409,666 | $3,600,000 | $333 | $27,000 |
| Black or African American | 75 | $8,238,000 | $114,000 | $650,000 | $42,000 | $620,000 |
| Hispanic | 29 | $3,721,000 | $124,000 | $314,000 | $57,000 | $220,000 |
| Asian | 22 | $3,301,000 | $150,000 | $560,000 | $102,000 | $600,000 |
| American Indian or Alaskan Native | 4 | $260,000 | $65,000 | $154,000 | $53,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,371 | $180,482,000 | $224,600 | $3,600,000 | $140,700 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 213 | $22,207,000 | $101,333 | $183,000 | $34,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 48 | $6,465,000 | $132,000 | $240,000 | $36,500 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $124,000 | $124,000 | $124,000 | $34,000 | $34,000 |
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 | 1,229 | $163,866,000 | $243,333 | $3,600,000 | $156,333 | $2,400,000 |
| Application Withdrawn By Applicant | 181 | $23,303,000 | $132,750 | $750,000 | $49,500 | $1,032,000 |
| Application Denied By Financial Institution | 170 | $15,784,000 | $94,000 | $544,000 | $39,666 | $288,000 |
| Application Approved But Not Accepted | 29 | $3,499,000 | $122,000 | $300,000 | $52,500 | $168,000 |
| File Closed For Incompleteness | 20 | $2,489,000 | $116,000 | $245,000 | $59,000 | $423,000 |
| Preapproval Denied by Financial Institution | 4 | $337,000 | $84,000 | $125,000 | $24,000 | $27,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 65 | $4,690,000 | $76,333 | $268,000 | $42,000 | $288,000 |
| Debt-To-Income Ratio | 61 | $5,432,000 | $95,666 | $250,000 | $34,333 | $96,000 |
| Other | 19 | $1,818,000 | $95,000 | $171,000 | $42,000 | $142,000 |
| Collateral | 14 | $2,557,000 | $123,666 | $544,000 | $51,333 | $248,000 |
| Credit Application Incomplete | 6 | $876,000 | $146,000 | $265,000 | $45,000 | $139,000 |
| Employment History | 4 | $336,000 | $84,000 | $153,000 | $41,500 | $66,000 |
| Unverifiable Information | 3 | $245,000 | $81,000 | $144,000 | $21,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $67,000 | $67,000 | $67,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2004 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About