Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Stock Yards Bank & Trust Company of Louisville, KY reported 2,591 mortgage applications totaling $435.6 million, up 58% from 2011. The average application was for $168,105, and applicants reported an average income of $103,415. 67% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,207), Indianapolis-Carmel, IN (92) and Cincinnati-Middletown, OH-KY-IN (66) (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 | 2,591 |
| Total Mortgage Loan Application Amount | $435,561,000 |
| Average Mortgage Loan Application Amount | $168,105 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $103,415 |
| Highest Applicant Income | $5,467,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,534 | $ 242,196,000 | $ 157,885 | $ 92,000 |
| Bullitt, Kentucky | 205 | $ 28,539,000 | $ 139,214 | $ 66,000 |
| Clark, Indiana | 130 | $ 15,366,000 | $ 118,200 | $ 58,000 |
| Oldham, Kentucky | 129 | $ 29,197,000 | $ 226,333 | $ 120,000 |
| Floyd, Indiana | 109 | $ 17,401,000 | $ 159,642 | $ 81,000 |
| Hamilton, Ohio | 47 | $ 11,454,000 | $ 243,702 | $ 204,000 |
| Hamilton, Indiana | 45 | $ 16,853,000 | $ 374,511 | $ 411,000 |
| Marion, Indiana | 30 | $ 7,335,000 | $ 244,500 | $ 250,000 |
| Shelby, Kentucky | 24 | $ 5,214,000 | $ 217,250 | $ 124,000 |
| Spencer, Kentucky | 24 | $ 4,623,000 | $ 192,625 | $ 82,000 |
| Harrison, Indiana | 20 | $ 3,248,000 | $ 162,400 | $ 68,000 |
| Nelson, Kentucky | 18 | $ 1,688,000 | $ 93,777 | $ 77,000 |
| Grayson, Kentucky | 9 | $ 1,584,000 | $ 176,000 | $ 206,000 |
| Boone, Indiana | 7 | $ 3,072,000 | $ 438,857 | $ 288,000 |
| Scott, Indiana | 7 | $ 665,000 | $ 95,000 | $ 33,000 |
| Russell, Kentucky | 6 | $ 354,000 | $ 59,000 | $ 108,000 |
| Washington, Indiana | 5 | $ 435,000 | $ 87,000 | $ 68,000 |
| Hardin, Kentucky | 5 | $ 769,000 | $ 153,800 | $ 164,000 |
| Kenton, Kentucky | 5 | $ 783,000 | $ 156,600 | $ 198,000 |
| Shelby, Indiana | 4 | $ 1,475,000 | $ 368,750 | $ 66,000 |
| Edmonson, Kentucky | 4 | $ 556,000 | $ 139,000 | $ 88,000 |
| Meade, Kentucky | 4 | $ 746,000 | $ 186,500 | $ 109,000 |
| Warren, Ohio | 4 | $ 1,615,000 | $ 403,750 | $ 451,000 |
| Palm Beach, Florida | 3 | $ 503,000 | $ 167,666 | $ 130,000 |
| Monroe, Indiana | 3 | $ 529,000 | $ 176,333 | $ 209,000 |
| Boone, Kentucky | 3 | $ 339,000 | $ 113,000 | $ 142,000 |
| Campbell, Kentucky | 3 | $ 597,000 | $ 199,000 | $ 111,000 |
| Fayette, Kentucky | 3 | $ 426,000 | $ 142,000 | $ 79,000 |
| Franklin, Kentucky | 3 | $ 559,000 | $ 186,333 | $ 91,000 |
| Henry, Kentucky | 3 | $ 515,000 | $ 171,666 | $ 64,000 |
| Scott, Kentucky | 3 | $ 838,000 | $ 279,333 | $ 95,000 |
| St. Louis, Missouri | 3 | $ 1,869,000 | $ 623,000 | $ 776,000 |
| Clermont, Ohio | 3 | $ 852,000 | $ 284,000 | $ 303,000 |
| Bay, Florida | 2 | $ 345,000 | $ 172,500 | $ 149,000 |
| Collier, Florida | 2 | $ 2,780,000 | $ 1,390,000 | $ 2,041,000 |
| Lee, Florida | 2 | $ 241,000 | $ 120,500 | $ 123,000 |
| Hendricks, Indiana | 2 | $ 693,000 | $ 346,500 | $ 353,000 |
| Morgan, Indiana | 2 | $ 219,000 | $ 109,500 | $ 38,000 |
| Barren, Kentucky | 2 | $ 284,000 | $ 142,000 | $ 136,000 |
| Owen, Kentucky | 2 | $ 413,000 | $ 206,500 | $ 194,000 |
| Trimble, Kentucky | 2 | $ 197,000 | $ 98,500 | $ 124,000 |
| Washington, Kentucky | 2 | $ 127,000 | $ 63,500 | $ 49,000 |
| Berrien, Michigan | 2 | $ 817,000 | $ 408,500 | $ 348,000 |
| Baldwin, Alabama | 1 | $ 220,000 | $ 220,000 | $ 257,000 |
| Arapahoe, Colorado | 1 | $ 375,000 | $ 375,000 | $ 425,000 |
| Eagle, Colorado | 1 | $ 1,163,000 | $ 1,163,000 | $ 2,182,000 |
| Broward, Florida | 1 | $ 83,000 | $ 83,000 | $ 73,000 |
| Hendry, Florida | 1 | $ 58,000 | $ 58,000 | $ 75,000 |
| Hillsborough, Florida | 1 | $ 417,000 | $ 417,000 | $ 345,000 |
| Okaloosa, Florida | 1 | $ 304,000 | $ 304,000 | $ 68,000 |
| Orange, Florida | 1 | $ 272,000 | $ 272,000 | $ 488,000 |
| Sarasota, Florida | 1 | $ 320,000 | $ 320,000 | $ 354,000 |
| Fulton, Georgia | 1 | $ 233,000 | $ 233,000 | $ 53,000 |
| Carroll, Indiana | 1 | $ 102,000 | $ 102,000 | $ 206,000 |
| Dubois, Indiana | 1 | $ 112,000 | $ 112,000 | $ 98,000 |
| Hancock, Indiana | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Jefferson, Indiana | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Johnson, Indiana | 1 | $ 239,000 | $ 239,000 | $ 140,000 |
| Orange, Indiana | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Warrick, Indiana | 1 | $ 293,000 | $ 293,000 | $ 170,000 |
| Allen, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 109,000 |
| Anderson, Kentucky | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Breckinridge, Kentucky | 1 | $ 74,000 | $ 74,000 | $ 72,000 |
| Henderson, Kentucky | 1 | $ 90,000 | $ 90,000 | $ 91,000 |
| Knox, Kentucky | 1 | $ 224,000 | $ 224,000 | $ 1,000,000 |
| Larue, Kentucky | 1 | $ 112,000 | $ 112,000 | $ 32,000 |
| Lyon, Kentucky | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Mason, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 480,000 |
| Mercer, Kentucky | 1 | $ 167,000 | $ 167,000 | $ 52,000 |
| Pulaski, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 130,000 |
| Taylor, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 66,000 |
| Trigg, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Wolfe, Kentucky | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| York, Maine | 1 | $ 2,170,000 | $ 2,170,000 | $ 848,000 |
| Charlevoix, Michigan | 1 | $ 217,000 | $ 217,000 | $ 78,000 |
| Muskegon, Michigan | 1 | $ 415,000 | $ 415,000 | $ 304,000 |
| Transylvania, North Carolina | 1 | $ 316,000 | $ 316,000 | $ 227,000 |
| Butler, Ohio | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Lucas, Ohio | 1 | $ 330,000 | $ 330,000 | $ 368,000 |
| Beaufort, South Carolina | 1 | $ 702,000 | $ 702,000 | $ 14,000 |
| Fayette, Tennessee | 1 | $ 89,000 | $ 89,000 | $ 91,000 |
| Loudon, Tennessee | 1 | $ 326,000 | $ 326,000 | $ 429,000 |
| Rutherford, Tennessee | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Windsor, Vermont | 1 | $ 1,252,000 | $ 1,252,000 | $ 848,000 |
| Pulaski, Virginia | 1 | $ 248,000 | $ 248,000 | $ 132,000 |
| Salem, Virginia | 1 | $ 200,000 | $ 200,000 | $ 136,000 |
| Greenbrier, West Virginia | 1 | $ 417,000 | $ 417,000 | $ 0 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2012
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 | 1,850 | $314,880,000 | $170,000 | $2,170,000 | $104,000 | $5,467,000 |
| Home Purchase | 690 | $110,656,000 | $160,000 | $2,500,000 | $97,000 | $3,946,000 |
| Home Improvement | 51 | $10,025,000 | $196,000 | $2,600,000 | $169,000 | $5,024,000 |
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 | 2,319 | $374,225,000 | $161,000 | $2,170,000 | $104,000 | $5,467,000 |
| Black or African American | 83 | $11,611,000 | $139,000 | $1,825,000 | $80,000 | $556,000 |
| Not applicable | 66 | $22,878,000 | $346,000 | $2,600,000 | $0 | $0 |
| Not Provided | 52 | $14,655,000 | $281,000 | $2,500,000 | $290,000 | $3,946,000 |
| Asian | 37 | $6,684,000 | $180,000 | $728,000 | $102,000 | $450,000 |
| Hispanic | 28 | $4,494,000 | $160,000 | $405,000 | $87,000 | $219,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $866,000 | $216,000 | $361,000 | $76,000 | $103,000 |
| American Indian or Alaskan Native | 2 | $148,000 | $74,000 | $79,000 | $24,000 | $25,000 |
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) | 2,181 | $381,949,000 | $175,000 | $2,600,000 | $114,000 | $5,467,000 |
| FHA-insured (Federal Housing Administration) | 334 | $41,754,000 | $125,000 | $400,000 | $46,000 | $197,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,667,000 | $172,000 | $410,000 | $60,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,191,000 | $109,000 | $184,000 | $39,000 | $68,000 |
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 | 1,741 | $299,632,000 | $172,000 | $2,600,000 | $108,000 | $5,024,000 |
| Application Denied By Financial Institution | 314 | $45,844,000 | $146,000 | $1,825,000 | $74,000 | $903,000 |
| Application Withdrawn By Applicant | 242 | $49,026,000 | $202,000 | $1,615,000 | $144,000 | $5,467,000 |
| Preapproval Denied by Financial Institution | 122 | $13,978,000 | $114,000 | $320,000 | $46,000 | $854,000 |
| File Closed For Incompleteness | 88 | $13,945,000 | $158,000 | $417,000 | $89,000 | $355,000 |
| Application Approved But Not Accepted | 84 | $13,136,000 | $156,000 | $485,000 | $101,000 | $1,000,000 |
| 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 2012 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.
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