Stock Yards Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Stock Yards Bank & Trust Company 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Stock Yards Bank & Trust Company 1040 East Main Street Louisville, KY 40206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | $175,333 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $123,333 |
| Highest Applicant Income | $5,467,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Stock Yards Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Stock Yards Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Stock Yards Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Stock Yards Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Stock Yards Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Stock Yards Bank & Trust Company's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 1,534 | $ 242,196,000 | $ 157,000 | $ 92,000 |
| Bullitt County Kentucky | 205 | $ 28,539,000 | $ 139,000 | $ 66,000 |
| Clark County Indiana | 130 | $ 15,366,000 | $ 118,000 | $ 58,000 |
| Oldham County Kentucky | 129 | $ 29,197,000 | $ 226,000 | $ 120,000 |
| Floyd County Indiana | 109 | $ 17,401,000 | $ 159,000 | $ 81,000 |
| Hamilton County Ohio | 47 | $ 11,454,000 | $ 243,000 | $ 204,000 |
| Hamilton County Indiana | 45 | $ 16,853,000 | $ 374,000 | $ 411,000 |
| Marion County Indiana | 30 | $ 7,335,000 | $ 244,000 | $ 250,000 |
| Shelby County Kentucky | 24 | $ 5,214,000 | $ 217,000 | $ 124,000 |
| Spencer County Kentucky | 24 | $ 4,623,000 | $ 192,000 | $ 82,000 |
| Harrison County Indiana | 20 | $ 3,248,000 | $ 162,000 | $ 68,000 |
| Nelson County Kentucky | 18 | $ 1,688,000 | $ 93,000 | $ 77,000 |
| Grayson County Kentucky | 9 | $ 1,584,000 | $ 176,000 | $ 206,000 |
| Boone County Indiana | 7 | $ 3,072,000 | $ 438,000 | $ 288,000 |
| Scott County Indiana | 7 | $ 665,000 | $ 95,000 | $ 33,000 |
| Russell County Kentucky | 6 | $ 354,000 | $ 59,000 | $ 108,000 |
| Washington County Indiana | 5 | $ 435,000 | $ 87,000 | $ 68,000 |
| Hardin County Kentucky | 5 | $ 769,000 | $ 153,000 | $ 164,000 |
| Kenton County Kentucky | 5 | $ 783,000 | $ 156,000 | $ 198,000 |
| Shelby County Indiana | 4 | $ 1,475,000 | $ 368,000 | $ 66,000 |
| Edmonson County Kentucky | 4 | $ 556,000 | $ 139,000 | $ 88,000 |
| Meade County Kentucky | 4 | $ 746,000 | $ 186,000 | $ 109,000 |
| Warren County Ohio | 4 | $ 1,615,000 | $ 403,000 | $ 451,000 |
| Palm Beach County Florida | 3 | $ 503,000 | $ 167,000 | $ 130,000 |
| Monroe County Indiana | 3 | $ 529,000 | $ 176,000 | $ 209,000 |
| Boone County Kentucky | 3 | $ 339,000 | $ 113,000 | $ 142,000 |
| Campbell County Kentucky | 3 | $ 597,000 | $ 199,000 | $ 111,000 |
| Fayette County Kentucky | 3 | $ 426,000 | $ 142,000 | $ 79,000 |
| Franklin County Kentucky | 3 | $ 559,000 | $ 186,000 | $ 91,000 |
| Henry County Kentucky | 3 | $ 515,000 | $ 171,000 | $ 64,000 |
| Scott County Kentucky | 3 | $ 838,000 | $ 279,000 | $ 95,000 |
| St. Louis County Missouri | 3 | $ 1,869,000 | $ 623,000 | $ 776,000 |
| Clermont County Ohio | 3 | $ 852,000 | $ 284,000 | $ 303,000 |
| Bay County Florida | 2 | $ 345,000 | $ 172,000 | $ 149,000 |
| Collier County Florida | 2 | $ 2,780,000 | $ 1,390,000 | $ 2,041,000 |
| Lee County Florida | 2 | $ 241,000 | $ 120,000 | $ 123,000 |
| Hendricks County Indiana | 2 | $ 693,000 | $ 346,000 | $ 353,000 |
| Morgan County Indiana | 2 | $ 219,000 | $ 109,000 | $ 38,000 |
| Barren County Kentucky | 2 | $ 284,000 | $ 142,000 | $ 136,000 |
| Owen County Kentucky | 2 | $ 413,000 | $ 206,000 | $ 194,000 |
| Trimble County Kentucky | 2 | $ 197,000 | $ 98,000 | $ 124,000 |
| Washington County Kentucky | 2 | $ 127,000 | $ 63,000 | $ 49,000 |
| Berrien County Michigan | 2 | $ 817,000 | $ 408,000 | $ 348,000 |
| Baldwin County Alabama | 1 | $ 220,000 | $ 220,000 | $ 257,000 |
| Arapahoe County Colorado | 1 | $ 375,000 | $ 375,000 | $ 425,000 |
| Eagle County Colorado | 1 | $ 1,163,000 | $ 1,163,000 | $ 2,182,000 |
| Broward County Florida | 1 | $ 83,000 | $ 83,000 | $ 73,000 |
| Hendry County Florida | 1 | $ 58,000 | $ 58,000 | $ 75,000 |
| Hillsborough County Florida | 1 | $ 417,000 | $ 417,000 | $ 345,000 |
| Okaloosa County Florida | 1 | $ 304,000 | $ 304,000 | $ 68,000 |
| Orange County Florida | 1 | $ 272,000 | $ 272,000 | $ 488,000 |
| Sarasota County Florida | 1 | $ 320,000 | $ 320,000 | $ 354,000 |
| Fulton County Georgia | 1 | $ 233,000 | $ 233,000 | $ 53,000 |
| Carroll County Indiana | 1 | $ 102,000 | $ 102,000 | $ 206,000 |
| Dubois County Indiana | 1 | $ 112,000 | $ 112,000 | $ 98,000 |
| Hancock County Indiana | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Jefferson County Indiana | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Johnson County Indiana | 1 | $ 239,000 | $ 239,000 | $ 140,000 |
| Orange County Indiana | 1 | $ 50,000 | $ 50,000 | $ 62,000 |
| Warrick County Indiana | 1 | $ 293,000 | $ 293,000 | $ 170,000 |
| Allen County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 109,000 |
| Anderson County Kentucky | 1 | $ 157,000 | $ 157,000 | $ 63,000 |
| Breckinridge County Kentucky | 1 | $ 74,000 | $ 74,000 | $ 72,000 |
| Henderson County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 91,000 |
| Knox County Kentucky | 1 | $ 224,000 | $ 224,000 | $ 1,000,000 |
| Larue County Kentucky | 1 | $ 112,000 | $ 112,000 | $ 32,000 |
| Lyon County Kentucky | 1 | $ 272,000 | $ 272,000 | $ 0 |
| Mason County Kentucky | 1 | $ 48,000 | $ 48,000 | $ 480,000 |
| Mercer County Kentucky | 1 | $ 167,000 | $ 167,000 | $ 52,000 |
| Pulaski County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 130,000 |
| Taylor County Kentucky | 1 | $ 118,000 | $ 118,000 | $ 66,000 |
| Trigg County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Wolfe County Kentucky | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| York County Maine | 1 | $ 2,170,000 | $ 2,170,000 | $ 848,000 |
| Charlevoix County Michigan | 1 | $ 217,000 | $ 217,000 | $ 78,000 |
| Muskegon County Michigan | 1 | $ 415,000 | $ 415,000 | $ 304,000 |
| Transylvania County North Carolina | 1 | $ 316,000 | $ 316,000 | $ 227,000 |
| Butler County Ohio | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Lucas County Ohio | 1 | $ 330,000 | $ 330,000 | $ 368,000 |
| Beaufort County South Carolina | 1 | $ 702,000 | $ 702,000 | $ 14,000 |
| Fayette County Tennessee | 1 | $ 89,000 | $ 89,000 | $ 91,000 |
| Loudon County Tennessee | 1 | $ 326,000 | $ 326,000 | $ 429,000 |
| Rutherford County Tennessee | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| Windsor County Vermont | 1 | $ 1,252,000 | $ 1,252,000 | $ 848,000 |
| Pulaski County Virginia | 1 | $ 248,000 | $ 248,000 | $ 132,000 |
| Salem County Virginia | 1 | $ 200,000 | $ 200,000 | $ 136,000 |
| Greenbrier County 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.