Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2010
In 2010, Stock Yards Bank & Trust Company of Louisville, KY reported 2,226 mortgage applications totaling $358.7 million, down 10% from 2009. The average application was for $161,163, and applicants reported an average income of $85,951. 62% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (1,900), Indianapolis-Carmel, IN (104) and Cincinnati-Middletown, OH-KY-IN (38) (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 | 2,226 |
| Total Mortgage Loan Application Amount | $358,749,000 |
| Average Mortgage Loan Application Amount | $161,163 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $85,951 |
| Highest Applicant Income | $3,845,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,299 | $ 200,974,000 | $ 154,714 | $ 80,000 |
| Bullitt, Kentucky | 163 | $ 20,774,000 | $ 127,447 | $ 59,000 |
| Clark, Indiana | 143 | $ 17,467,000 | $ 122,146 | $ 58,000 |
| Floyd, Indiana | 110 | $ 15,684,000 | $ 142,581 | $ 89,000 |
| Oldham, Kentucky | 101 | $ 22,560,000 | $ 223,366 | $ 118,000 |
| Marion, Indiana | 45 | $ 8,379,000 | $ 186,200 | $ 201,000 |
| Hamilton, Indiana | 34 | $ 5,628,000 | $ 165,529 | $ 180,000 |
| Harrison, Indiana | 28 | $ 4,157,000 | $ 148,464 | $ 71,000 |
| Hamilton, Ohio | 27 | $ 10,520,000 | $ 389,629 | $ 196,000 |
| Spencer, Kentucky | 20 | $ 3,052,000 | $ 152,600 | $ 57,000 |
| Shelby, Kentucky | 15 | $ 3,490,000 | $ 232,666 | $ 101,000 |
| Boone, Indiana | 14 | $ 3,107,000 | $ 221,928 | $ 126,000 |
| Nelson, Kentucky | 12 | $ 1,022,000 | $ 85,166 | $ 34,000 |
| Scott, Indiana | 10 | $ 719,000 | $ 71,900 | $ 33,000 |
| Lee, Florida | 5 | $ 2,091,000 | $ 418,200 | $ 316,000 |
| Bartholomew, Indiana | 5 | $ 791,000 | $ 158,200 | $ 319,000 |
| Hendricks, Indiana | 5 | $ 826,000 | $ 165,200 | $ 173,000 |
| Butler, Ohio | 5 | $ 1,915,000 | $ 383,000 | $ 105,000 |
| Washington, Indiana | 4 | $ 541,000 | $ 135,250 | $ 30,000 |
| Grayson, Kentucky | 4 | $ 528,000 | $ 132,000 | $ 242,000 |
| Hardin, Kentucky | 4 | $ 542,000 | $ 135,500 | $ 176,000 |
| Sarasota, Florida | 3 | $ 8,556,000 | $ 2,852,000 | $ 45,000 |
| Fayette, Kentucky | 3 | $ 593,000 | $ 197,666 | $ 74,000 |
| Clay, Florida | 2 | $ 170,000 | $ 85,000 | $ 139,000 |
| Lake, Illinois | 2 | $ 386,000 | $ 193,000 | $ 144,000 |
| Brown, Indiana | 2 | $ 279,000 | $ 139,500 | $ 212,000 |
| Madison, Indiana | 2 | $ 449,000 | $ 224,500 | $ 358,000 |
| Boone, Kentucky | 2 | $ 468,000 | $ 234,000 | $ 164,000 |
| Breckinridge, Kentucky | 2 | $ 199,000 | $ 99,500 | $ 52,000 |
| Campbell, Kentucky | 2 | $ 534,000 | $ 267,000 | $ 117,000 |
| Henry, Kentucky | 2 | $ 225,000 | $ 112,500 | $ 60,000 |
| Meade, Kentucky | 2 | $ 138,000 | $ 69,000 | $ 58,000 |
| Antrim, Michigan | 2 | $ 837,000 | $ 418,500 | $ 427,000 |
| Benzie, Michigan | 2 | $ 506,000 | $ 253,000 | $ 292,000 |
| Davidson, Tennessee | 2 | $ 346,000 | $ 173,000 | $ 303,000 |
| Baldwin, Alabama | 1 | $ 107,000 | $ 107,000 | $ 235,000 |
| Charlotte, Florida | 1 | $ 580,000 | $ 580,000 | $ 117,000 |
| Indian River, Florida | 1 | $ 380,000 | $ 380,000 | $ 181,000 |
| Fulton, Georgia | 1 | $ 153,000 | $ 153,000 | $ 56,000 |
| Glynn, Georgia | 1 | $ 114,000 | $ 114,000 | $ 139,000 |
| Hancock, Indiana | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Johnson, Indiana | 1 | $ 87,000 | $ 87,000 | $ 28,000 |
| Monroe, Indiana | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Morgan, Indiana | 1 | $ 210,000 | $ 210,000 | $ 75,000 |
| Shelby, Indiana | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Bell, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 49,000 |
| Daviess, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 65,000 |
| Green, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Kenton, Kentucky | 1 | $ 407,000 | $ 407,000 | $ 0 |
| Livingston, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Marion, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Muhlenberg, Kentucky | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Owen, Kentucky | 1 | $ 280,000 | $ 280,000 | $ 263,000 |
| Trimble, Kentucky | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Orleans, Louisiana | 1 | $ 223,000 | $ 223,000 | $ 621,000 |
| Berrien, Michigan | 1 | $ 221,000 | $ 221,000 | $ 151,000 |
| Mecklenburg, North Carolina | 1 | $ 1,050,000 | $ 1,050,000 | $ 379,000 |
| Clermont, Ohio | 1 | $ 154,000 | $ 154,000 | $ 312,000 |
| Erie, Ohio | 1 | $ 197,000 | $ 197,000 | $ 391,000 |
| Miami, Ohio | 1 | $ 188,000 | $ 188,000 | $ 77,000 |
| Lancaster, Pennsylvania | 1 | $ 62,000 | $ 62,000 | $ 202,000 |
| Philadelphia, Pennsylvania | 1 | $ 164,000 | $ 164,000 | $ 81,000 |
| Tioga, Pennsylvania | 1 | $ 392,000 | $ 392,000 | $ 86,000 |
| Horry, South Carolina | 1 | $ 117,000 | $ 117,000 | $ 41,000 |
| Washington, Tennessee | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Teton, Wyoming | 1 | $ 225,000 | $ 225,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2010
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 | 1,490 | $248,764,000 | $166,000 | $1,840,000 | $91,000 | $1,574,000 |
| Home Purchase | 651 | $105,285,000 | $161,000 | $8,000,000 | $77,000 | $3,845,000 |
| Home Improvement | 85 | $4,700,000 | $55,000 | $550,000 | $66,000 | $350,000 |
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 | 1,918 | $292,904,000 | $152,000 | $1,428,000 | $88,000 | $3,845,000 |
| Not applicable | 109 | $34,851,000 | $319,000 | $8,000,000 | $0 | $0 |
| Not Provided | 86 | $15,699,000 | $182,000 | $1,100,000 | $160,000 | $786,000 |
| Black or African American | 52 | $6,960,000 | $133,000 | $1,050,000 | $57,000 | $379,000 |
| Asian | 35 | $4,257,000 | $121,000 | $333,000 | $96,000 | $627,000 |
| Hispanic | 24 | $3,773,000 | $157,000 | $500,000 | $110,000 | $550,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $190,000 | $190,000 | $190,000 | $72,000 | $72,000 |
| American Indian or Alaskan Native | 1 | $115,000 | $115,000 | $115,000 | $40,000 | $40,000 |
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) | 1,750 | $295,022,000 | $168,000 | $8,000,000 | $95,000 | $3,845,000 |
| FHA-insured (Federal Housing Administration) | 437 | $57,905,000 | $132,000 | $406,000 | $53,000 | $759,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,822,000 | $149,000 | $392,000 | $51,000 | $93,000 |
| 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 | 1,390 | $219,715,000 | $158,000 | $5,264,000 | $91,000 | $3,845,000 |
| Application Denied By Financial Institution | 344 | $55,469,000 | $161,000 | $1,100,000 | $69,000 | $840,000 |
| Application Withdrawn By Applicant | 231 | $45,376,000 | $196,000 | $8,000,000 | $89,000 | $1,200,000 |
| Preapproval Denied by Financial Institution | 112 | $13,523,000 | $120,000 | $417,000 | $47,000 | $228,000 |
| File Closed For Incompleteness | 76 | $14,577,000 | $191,000 | $417,000 | $115,000 | $1,000,000 |
| Application Approved But Not Accepted | 73 | $10,089,000 | $138,000 | $750,000 | $84,000 | $451,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2010 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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