Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Stock Yards Bank & Trust Company of Louisville, KY reported 1,330 mortgage applications totaling $259.0 million, down 36% from 2013. The average application was for $194,740, and applicants reported an average income of $85,852. 57% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (898), Indianapolis-Carmel-Anderson, IN (84) and Cincinnati, OH-KY-IN (52) (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 | 1,330 |
| Total Mortgage Loan Application Amount | $259,005,000 |
| Average Mortgage Loan Application Amount | $194,740 |
| Highest Mortgage Loan Application Amount | $10,800,000 |
| Average Applicant Income | $85,852 |
| Highest Applicant Income | $2,250,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 603 | $ 98,991,000 | $ 164,164 | $ 85,000 |
| Bullitt, Kentucky | 90 | $ 13,474,000 | $ 149,711 | $ 65,000 |
| Oldham, Kentucky | 59 | $ 10,307,000 | $ 174,694 | $ 89,000 |
| Clark, Indiana | 52 | $ 5,091,000 | $ 97,903 | $ 66,000 |
| Marion, Indiana | 51 | $ 11,888,000 | $ 233,098 | $ 104,000 |
| Hamilton, Ohio | 38 | $ 9,139,000 | $ 240,500 | $ 161,000 |
| Floyd, Indiana | 31 | $ 4,283,000 | $ 138,161 | $ 64,000 |
| Hamilton, Indiana | 22 | $ 17,969,000 | $ 816,772 | $ 225,000 |
| Shelby, Kentucky | 19 | $ 3,201,000 | $ 168,473 | $ 56,000 |
| Nelson, Kentucky | 18 | $ 2,108,000 | $ 117,111 | $ 50,000 |
| Spencer, Kentucky | 16 | $ 2,734,000 | $ 170,875 | $ 64,000 |
| Harrison, Indiana | 14 | $ 2,245,000 | $ 160,357 | $ 64,000 |
| Scott, Indiana | 6 | $ 401,000 | $ 66,833 | $ 50,000 |
| Hardin, Kentucky | 6 | $ 7,770,000 | $ 1,295,000 | $ 22,000 |
| Boone, Indiana | 5 | $ 1,548,000 | $ 309,600 | $ 245,000 |
| Campbell, Kentucky | 5 | $ 1,614,000 | $ 322,800 | $ 125,000 |
| Henry, Kentucky | 5 | $ 403,000 | $ 80,600 | $ 39,000 |
| Hendricks, Indiana | 4 | $ 2,242,000 | $ 560,500 | $ 290,000 |
| Kenton, Kentucky | 3 | $ 1,478,000 | $ 492,666 | $ 283,000 |
| Marion, Kentucky | 3 | $ 236,000 | $ 78,666 | $ 51,000 |
| Warren, Ohio | 3 | $ 657,000 | $ 219,000 | $ 141,000 |
| Bay, Florida | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Broward, Florida | 2 | $ 790,000 | $ 395,000 | $ 144,000 |
| Shelby, Indiana | 2 | $ 745,000 | $ 372,500 | $ 205,000 |
| Edmonson, Kentucky | 2 | $ 256,000 | $ 128,000 | $ 107,000 |
| Fayette, Kentucky | 2 | $ 321,000 | $ 160,500 | $ 72,000 |
| Mercer, Kentucky | 2 | $ 444,000 | $ 222,000 | $ 341,000 |
| Taylor, Kentucky | 2 | $ 110,000 | $ 55,000 | $ 35,000 |
| Trimble, Kentucky | 2 | $ 338,000 | $ 169,000 | $ 91,000 |
| Butler, Ohio | 2 | $ 957,000 | $ 478,500 | $ 112,000 |
| Maricopa, Arizona | 1 | $ 172,000 | $ 172,000 | $ 234,000 |
| Sebastian, Arkansas | 1 | $ 114,000 | $ 114,000 | $ 115,000 |
| Grand, Colorado | 1 | $ 623,000 | $ 623,000 | $ 208,000 |
| Pitkin, Colorado | 1 | $ 3,750,000 | $ 3,750,000 | $ 2,250,000 |
| Collier, Florida | 1 | $ 328,000 | $ 328,000 | $ 260,000 |
| Monroe, Florida | 1 | $ 180,000 | $ 180,000 | $ 125,000 |
| Okaloosa, Florida | 1 | $ 256,000 | $ 256,000 | $ 261,000 |
| Palm Beach, Florida | 1 | $ 417,000 | $ 417,000 | $ 301,000 |
| Seminole, Florida | 1 | $ 10,800,000 | $ 10,800,000 | $ 0 |
| Crawford, Indiana | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Elkhart, Indiana | 1 | $ 400,000 | $ 400,000 | $ 360,000 |
| Jefferson, Indiana | 1 | $ 48,000 | $ 48,000 | $ 50,000 |
| St. Joseph, Indiana | 1 | $ 127,000 | $ 127,000 | $ 111,000 |
| Washington, Indiana | 1 | $ 110,000 | $ 110,000 | $ 180,000 |
| Whitley, Indiana | 1 | $ 187,000 | $ 187,000 | $ 145,000 |
| Allen, Kentucky | 1 | $ 192,000 | $ 192,000 | $ 268,000 |
| Grayson, Kentucky | 1 | $ 117,000 | $ 117,000 | $ 47,000 |
| Jessamine, Kentucky | 1 | $ 7,700,000 | $ 7,700,000 | $ 0 |
| Meade, Kentucky | 1 | $ 23,000 | $ 23,000 | $ 37,000 |
| Owen, Kentucky | 1 | $ 58,000 | $ 58,000 | $ 29,000 |
| Pulaski, Kentucky | 1 | $ 154,000 | $ 154,000 | $ 42,000 |
| Scott, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Warren, Kentucky | 1 | $ 236,000 | $ 236,000 | $ 127,000 |
| Washington, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 79,000 |
| Tangipahoa, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 144,000 |
| Howard, Maryland | 1 | $ 5,000 | $ 5,000 | $ 92,000 |
| Berrien, Michigan | 1 | $ 350,000 | $ 350,000 | $ 301,000 |
| Jackson, Michigan | 1 | $ 256,000 | $ 256,000 | $ 413,000 |
| Clermont, Ohio | 1 | $ 616,000 | $ 616,000 | $ 186,000 |
| Greene, Ohio | 1 | $ 264,000 | $ 264,000 | $ 156,000 |
| Montgomery, Ohio | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 186,000 | $ 186,000 | $ 89,000 |
| Berkeley, South Carolina | 1 | $ 303,000 | $ 303,000 | $ 165,000 |
| Greenville, South Carolina | 1 | $ 180,000 | $ 180,000 | $ 513,000 |
| Williamson, Tennessee | 1 | $ 369,000 | $ 369,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 878 | $152,301,000 | $173,000 | $9,170,000 | $80,000 | $2,250,000 |
| Refinancing | 404 | $105,322,000 | $260,000 | $10,800,000 | $102,000 | $1,589,000 |
| Home Improvement | 48 | $1,382,000 | $28,000 | $340,000 | $57,000 | $335,000 |
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 | 1,106 | $177,140,000 | $160,000 | $3,750,000 | $92,000 | $2,250,000 |
| Not applicable | 68 | $60,786,000 | $893,000 | $10,800,000 | $0 | $0 |
| Black or African American | 55 | $5,900,000 | $107,000 | $605,000 | $59,000 | $335,000 |
| Not Provided | 51 | $9,156,000 | $179,000 | $788,000 | $115,000 | $401,000 |
| Hispanic | 31 | $3,133,000 | $101,000 | $292,000 | $46,000 | $145,000 |
| Asian | 17 | $2,783,000 | $163,000 | $950,000 | $63,000 | $240,000 |
| American Indian or Alaskan Native | 2 | $107,000 | $53,000 | $87,000 | $103,000 | $147,000 |
| 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) | 1,041 | $222,256,000 | $213,000 | $10,800,000 | $96,000 | $2,250,000 |
| FHA-insured (Federal Housing Administration) | 163 | $18,953,000 | $116,000 | $277,000 | $46,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $9,476,000 | $119,000 | $244,000 | $41,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 47 | $8,320,000 | $177,000 | $417,000 | $66,000 | $171,000 |
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 | 759 | $156,997,000 | $206,000 | $10,800,000 | $87,000 | $1,589,000 |
| Preapproval Denied by Financial Institution | 224 | $27,749,000 | $123,000 | $700,000 | $48,000 | $262,000 |
| Application Denied By Financial Institution | 152 | $33,391,000 | $219,000 | $7,700,000 | $93,000 | $1,382,000 |
| Application Withdrawn By Applicant | 93 | $19,529,000 | $209,000 | $3,750,000 | $120,000 | $2,250,000 |
| Application Approved But Not Accepted | 65 | $12,243,000 | $188,000 | $1,240,000 | $83,000 | $512,000 |
| File Closed For Incompleteness | 37 | $9,096,000 | $245,000 | $1,464,000 | $182,000 | $2,074,000 |
| 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 2014 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