Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Stock Yards Bank & Trust Company of Louisville, KY reported 1,488 mortgage applications totaling $182.3 million, down 3% from 2005. The average application was for $122,493, and applicants reported an average income of $77,927. 61% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (1,251), Indianapolis-Carmel, IN (63) and Elizabethtown, KY (27) (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 | 1,488 |
| Total Mortgage Loan Application Amount | $182,270,000 |
| Average Mortgage Loan Application Amount | $122,493 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $77,927 |
| Highest Applicant Income | $2,730,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 867 | $ 100,518,000 | $ 115,937 | $ 78,000 |
| Bullitt, Kentucky | 121 | $ 12,863,000 | $ 106,305 | $ 53,000 |
| Clark, Indiana | 96 | $ 9,785,000 | $ 101,927 | $ 54,000 |
| Floyd, Indiana | 61 | $ 5,706,000 | $ 93,540 | $ 53,000 |
| Oldham, Kentucky | 43 | $ 5,571,000 | $ 129,558 | $ 85,000 |
| Marion, Indiana | 33 | $ 5,071,000 | $ 153,666 | $ 123,000 |
| Hardin, Kentucky | 27 | $ 3,650,000 | $ 135,185 | $ 70,000 |
| Scott, Indiana | 19 | $ 1,216,000 | $ 64,000 | $ 52,000 |
| Harrison, Indiana | 16 | $ 2,022,000 | $ 126,375 | $ 88,000 |
| Spencer, Kentucky | 16 | $ 1,906,000 | $ 119,125 | $ 64,000 |
| Hamilton, Indiana | 13 | $ 3,029,000 | $ 233,000 | $ 173,000 |
| Nelson, Kentucky | 9 | $ 912,000 | $ 101,333 | $ 42,000 |
| Meade, Kentucky | 8 | $ 2,046,000 | $ 255,750 | $ 69,000 |
| Shelby, Kentucky | 8 | $ 1,969,000 | $ 246,125 | $ 204,000 |
| Boone, Indiana | 6 | $ 1,749,000 | $ 291,500 | $ 201,000 |
| Hendricks, Indiana | 6 | $ 1,627,000 | $ 271,166 | $ 179,000 |
| Washington, Indiana | 4 | $ 274,000 | $ 68,500 | $ 32,000 |
| Pulaski, Kentucky | 4 | $ 719,000 | $ 179,750 | $ 163,000 |
| Baldwin, Alabama | 2 | $ 773,000 | $ 386,500 | $ 0 |
| Collier, Florida | 2 | $ 630,000 | $ 315,000 | $ 346,000 |
| Lee, Florida | 2 | $ 939,000 | $ 469,500 | $ 175,000 |
| Johnson, Indiana | 2 | $ 430,000 | $ 215,000 | $ 106,000 |
| Boone, Kentucky | 2 | $ 139,000 | $ 69,500 | $ 42,000 |
| Breckinridge, Kentucky | 2 | $ 158,000 | $ 79,000 | $ 99,000 |
| Edmonson, Kentucky | 2 | $ 300,000 | $ 150,000 | $ 506,000 |
| Grayson, Kentucky | 2 | $ 191,000 | $ 95,500 | $ 80,000 |
| Madison, Kentucky | 2 | $ 389,000 | $ 194,500 | $ 200,000 |
| Hillsborough, New Hampshire | 2 | $ 400,000 | $ 200,000 | $ 484,000 |
| Montgomery, Ohio | 2 | $ 793,000 | $ 396,500 | $ 144,000 |
| Eagle, Colorado | 1 | $ 1,000,000 | $ 1,000,000 | $ 1,132,000 |
| Jefferson, Colorado | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Brevard, Florida | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Monroe, Florida | 1 | $ 406,000 | $ 406,000 | $ 527,000 |
| Orange, Florida | 1 | $ 280,000 | $ 280,000 | $ 80,000 |
| Fulton, Georgia | 1 | $ 620,000 | $ 620,000 | $ 311,000 |
| Cook, Illinois | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Brown, Indiana | 1 | $ 245,000 | $ 245,000 | $ 253,000 |
| Hancock, Indiana | 1 | $ 122,000 | $ 122,000 | $ 240,000 |
| Jefferson, Indiana | 1 | $ 420,000 | $ 420,000 | $ 120,000 |
| Morgan, Indiana | 1 | $ 268,000 | $ 268,000 | $ 110,000 |
| Orange, Indiana | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Douglas, Kansas | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Anderson, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 65,000 |
| Campbell, Kentucky | 1 | $ 71,000 | $ 71,000 | $ 73,000 |
| Fayette, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Grant, Kentucky | 1 | $ 18,000 | $ 18,000 | $ 101,000 |
| Hart, Kentucky | 1 | $ 114,000 | $ 114,000 | $ 150,000 |
| Henry, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Letcher, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 32,000 |
| Mason, Kentucky | 1 | $ 128,000 | $ 128,000 | $ 210,000 |
| Metcalfe, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Scott, Kentucky | 1 | $ 147,000 | $ 147,000 | $ 72,000 |
| Trimble, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 51,000 |
| Washington, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| East Baton Rouge, Louisiana | 1 | $ 166,000 | $ 166,000 | $ 127,000 |
| Wayne, Ohio | 1 | $ 134,000 | $ 134,000 | $ 287,000 |
| Horry, South Carolina | 1 | $ 170,000 | $ 170,000 | $ 330,000 |
| Jasper, South Carolina | 1 | $ 266,000 | $ 266,000 | $ 72,000 |
| Davidson, Tennessee | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| San Juan, Washington | 1 | $ 880,000 | $ 880,000 | $ 174,000 |
| Teton, Wyoming | 1 | $ 435,000 | $ 435,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2006
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 | 728 | $92,304,000 | $126,000 | $1,000,000 | $76,000 | $1,132,000 |
| Home Purchase | 614 | $86,869,000 | $141,000 | $1,600,000 | $84,000 | $2,730,000 |
| Home Improvement | 146 | $3,097,000 | $21,000 | $300,000 | $62,000 | $480,000 |
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 | 1,233 | $149,201,000 | $121,000 | $1,000,000 | $83,000 | $2,730,000 |
| Not Provided | 102 | $10,959,000 | $107,000 | $880,000 | $78,000 | $330,000 |
| Black or African American | 65 | $5,652,000 | $86,000 | $196,000 | $49,000 | $160,000 |
| Not applicable | 44 | $10,102,000 | $229,000 | $1,600,000 | $0 | $0 |
| Asian | 23 | $3,419,000 | $148,000 | $612,000 | $53,000 | $240,000 |
| Hispanic | 16 | $2,406,000 | $150,000 | $344,000 | $77,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $413,000 | $137,000 | $184,000 | $49,000 | $64,000 |
| American Indian or Alaskan Native | 2 | $118,000 | $59,000 | $78,000 | $21,000 | $24,000 |
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) | 1,223 | $151,866,000 | $124,000 | $1,600,000 | $85,000 | $2,730,000 |
| FHA-insured (Federal Housing Administration) | 228 | $24,916,000 | $109,000 | $217,000 | $44,000 | $392,000 |
| VA-guaranteed (Veterans Administration) | 37 | $5,488,000 | $148,000 | $444,000 | $59,000 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 909 | $110,781,000 | $121,000 | $1,600,000 | $87,000 | $2,730,000 |
| Application Denied By Financial Institution | 236 | $25,235,000 | $106,000 | $880,000 | $50,000 | $348,000 |
| Application Withdrawn By Applicant | 159 | $25,171,000 | $158,000 | $1,000,000 | $91,000 | $1,132,000 |
| Preapproval Denied by Financial Institution | 76 | $8,545,000 | $112,000 | $300,000 | $43,000 | $120,000 |
| Application Approved But Not Accepted | 54 | $5,381,000 | $99,000 | $800,000 | $72,000 | $379,000 |
| File Closed For Incompleteness | 54 | $7,157,000 | $132,000 | $600,000 | $63,000 | $338,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 123 | $12,828,000 | $104,000 | $370,000 | $39,000 | $157,000 |
| Credit History | 118 | $11,551,000 | $97,000 | $560,000 | $57,000 | $348,000 |
| Collateral | 31 | $4,894,000 | $157,000 | $880,000 | $56,000 | $174,000 |
| Credit Application Incomplete | 11 | $1,052,000 | $95,000 | $119,000 | $39,000 | $93,000 |
| Employment History | 10 | $737,000 | $73,000 | $142,000 | $47,000 | $126,000 |
| Other | 9 | $1,237,000 | $137,000 | $300,000 | $53,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,049,000 | $174,000 | $345,000 | $53,000 | $109,000 |
| Unverifiable Information | 2 | $221,000 | $110,000 | $116,000 | $56,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2006 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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