Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Stock Yards Bank & Trust Company of Louisville, KY reported 1,470 mortgage applications totaling $313.1 million, up 11% from 2014. The average application was for $212,993, and applicants reported an average income of $94,185. 64% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,080), Cincinnati, OH-KY-IN (84) and Indianapolis-Carmel-Anderson, IN (80) (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 | 1,470 |
| Total Mortgage Loan Application Amount | $313,101,000 |
| Average Mortgage Loan Application Amount | $212,993 |
| Highest Mortgage Loan Application Amount | $12,604,000 |
| Average Applicant Income | $94,185 |
| Highest Applicant Income | $1,409,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 749 | $ 153,733,000 | $ 205,251 | $ 84,000 |
| Bullitt, Kentucky | 98 | $ 12,666,000 | $ 129,244 | $ 64,000 |
| Oldham, Kentucky | 81 | $ 17,741,000 | $ 219,024 | $ 117,000 |
| Clark, Indiana | 57 | $ 7,362,000 | $ 129,157 | $ 65,000 |
| Hamilton, Ohio | 52 | $ 19,051,000 | $ 366,365 | $ 140,000 |
| Floyd, Indiana | 46 | $ 5,915,000 | $ 128,586 | $ 60,000 |
| Marion, Indiana | 41 | $ 8,232,000 | $ 200,780 | $ 105,000 |
| Hamilton, Indiana | 24 | $ 11,981,000 | $ 499,208 | $ 227,000 |
| Spencer, Kentucky | 15 | $ 2,005,000 | $ 133,666 | $ 66,000 |
| Nelson, Kentucky | 14 | $ 1,602,000 | $ 114,428 | $ 45,000 |
| Shelby, Kentucky | 12 | $ 3,178,000 | $ 264,833 | $ 172,000 |
| Harrison, Indiana | 9 | $ 1,227,000 | $ 136,333 | $ 95,000 |
| Boone, Kentucky | 7 | $ 1,579,000 | $ 225,571 | $ 127,000 |
| Butler, Ohio | 7 | $ 4,964,000 | $ 709,142 | $ 393,000 |
| Kenton, Kentucky | 6 | $ 13,553,000 | $ 2,258,833 | $ 119,000 |
| Johnson, Indiana | 5 | $ 2,449,000 | $ 489,800 | $ 163,000 |
| Fayette, Kentucky | 5 | $ 767,000 | $ 153,400 | $ 154,000 |
| Hardin, Kentucky | 5 | $ 811,000 | $ 162,200 | $ 59,000 |
| Clermont, Ohio | 5 | $ 1,454,000 | $ 290,800 | $ 109,000 |
| Hendricks, Indiana | 4 | $ 1,524,000 | $ 381,000 | $ 157,000 |
| Scott, Indiana | 4 | $ 262,000 | $ 65,500 | $ 47,000 |
| Campbell, Kentucky | 4 | $ 657,000 | $ 164,250 | $ 111,000 |
| Volusia, Florida | 3 | $ 174,000 | $ 58,000 | $ 53,000 |
| Bartholomew, Indiana | 3 | $ 2,806,000 | $ 935,333 | $ 500,000 |
| Boone, Indiana | 3 | $ 2,792,000 | $ 930,666 | $ 422,000 |
| Washington, Indiana | 3 | $ 418,000 | $ 139,333 | $ 57,000 |
| Henry, Kentucky | 3 | $ 327,000 | $ 109,000 | $ 84,000 |
| Trimble, Kentucky | 3 | $ 285,000 | $ 95,000 | $ 48,000 |
| Bay, Florida | 2 | $ 547,000 | $ 273,500 | $ 183,000 |
| Lee, Florida | 2 | $ 1,788,000 | $ 894,000 | $ 407,000 |
| Palm Beach, Florida | 2 | $ 1,364,000 | $ 682,000 | $ 722,000 |
| Allen, Indiana | 2 | $ 1,057,000 | $ 528,500 | $ 242,000 |
| Jefferson, Indiana | 2 | $ 406,000 | $ 203,000 | $ 271,000 |
| St. Joseph, Indiana | 2 | $ 1,005,000 | $ 502,500 | $ 231,000 |
| Vigo, Indiana | 2 | $ 116,000 | $ 58,000 | $ 119,000 |
| Carroll, Kentucky | 2 | $ 357,000 | $ 178,500 | $ 62,000 |
| Larue, Kentucky | 2 | $ 119,000 | $ 59,500 | $ 17,000 |
| Warren, Ohio | 2 | $ 618,000 | $ 309,000 | $ 347,000 |
| Baldwin, Alabama | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Maricopa, Arizona | 1 | $ 170,000 | $ 170,000 | $ 186,000 |
| Gulf, Florida | 1 | $ 788,000 | $ 788,000 | $ 470,000 |
| Monroe, Florida | 1 | $ 375,000 | $ 375,000 | $ 608,000 |
| Sarasota, Florida | 1 | $ 250,000 | $ 250,000 | $ 130,000 |
| Walton, Florida | 1 | $ 206,000 | $ 206,000 | $ 205,000 |
| Cobb, Georgia | 1 | $ 214,000 | $ 214,000 | $ 32,000 |
| DeKalb, Georgia | 1 | $ 417,000 | $ 417,000 | $ 173,000 |
| Brown, Indiana | 1 | $ 250,000 | $ 250,000 | $ 404,000 |
| Crawford, Indiana | 1 | $ 37,000 | $ 37,000 | $ 128,000 |
| Fulton, Indiana | 1 | $ 212,000 | $ 212,000 | $ 413,000 |
| Hancock, Indiana | 1 | $ 142,000 | $ 142,000 | $ 99,000 |
| Lake, Indiana | 1 | $ 236,000 | $ 236,000 | $ 198,000 |
| Monroe, Indiana | 1 | $ 139,000 | $ 139,000 | $ 151,000 |
| Shelby, Indiana | 1 | $ 220,000 | $ 220,000 | $ 120,000 |
| Steuben, Indiana | 1 | $ 245,000 | $ 245,000 | $ 258,000 |
| Tippecanoe, Indiana | 1 | $ 54,000 | $ 54,000 | $ 69,000 |
| Shawnee, Kansas | 1 | $ 82,000 | $ 82,000 | $ 114,000 |
| Breckinridge, Kentucky | 1 | $ 171,000 | $ 171,000 | $ 174,000 |
| Clinton, Kentucky | 1 | $ 51,000 | $ 51,000 | $ 36,000 |
| Daviess, Kentucky | 1 | $ 543,000 | $ 543,000 | $ 62,000 |
| Grant, Kentucky | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Grayson, Kentucky | 1 | $ 400,000 | $ 400,000 | $ 170,000 |
| Hopkins, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 235,000 |
| Pulaski, Kentucky | 1 | $ 77,000 | $ 77,000 | $ 60,000 |
| Russell, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Scott, Kentucky | 1 | $ 228,000 | $ 228,000 | $ 75,000 |
| Washington, Kentucky | 1 | $ 52,000 | $ 52,000 | $ 48,000 |
| Antrim, Michigan | 1 | $ 417,000 | $ 417,000 | $ 402,000 |
| Jackson, Michigan | 1 | $ 265,000 | $ 265,000 | $ 554,000 |
| Saratoga, New York | 1 | $ 239,000 | $ 239,000 | $ 491,000 |
| Avery, North Carolina | 1 | $ 417,000 | $ 417,000 | $ 886,000 |
| Montgomery, Ohio | 1 | $ 54,000 | $ 54,000 | $ 61,000 |
| Allegheny, Pennsylvania | 1 | $ 39,000 | $ 39,000 | $ 45,000 |
| York, Pennsylvania | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2015
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 | 906 | $204,939,000 | $226,000 | $12,604,000 | $90,000 | $1,048,000 |
| Refinancing | 507 | $103,932,000 | $204,000 | $2,050,000 | $100,000 | $1,409,000 |
| Home Improvement | 57 | $4,230,000 | $74,000 | $525,000 | $109,000 | $932,000 |
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 | 1,197 | $208,344,000 | $174,000 | $1,675,000 | $98,000 | $1,409,000 |
| Not applicable | 70 | $65,618,000 | $937,000 | $12,604,000 | $0 | $0 |
| Black or African American | 66 | $9,303,000 | $140,000 | $650,000 | $62,000 | $298,000 |
| Not Provided | 59 | $14,616,000 | $247,000 | $1,029,000 | $149,000 | $886,000 |
| Asian | 46 | $11,185,000 | $243,000 | $1,211,000 | $119,000 | $586,000 |
| Hispanic | 27 | $3,067,000 | $113,000 | $249,000 | $111,000 | $932,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $873,000 | $218,000 | $595,000 | $96,000 | $200,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $42,000 | $42,000 |
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) | 1,215 | $279,837,000 | $230,000 | $12,604,000 | $103,000 | $1,409,000 |
| FHA-insured (Federal Housing Administration) | 176 | $21,647,000 | $122,000 | $289,000 | $49,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 45 | $7,441,000 | $165,000 | $346,000 | $68,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,176,000 | $122,000 | $194,000 | $41,000 | $82,000 |
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 | 938 | $212,067,000 | $226,000 | $12,604,000 | $98,000 | $1,409,000 |
| Application Denied By Financial Institution | 169 | $30,397,000 | $179,000 | $1,211,000 | $84,000 | $840,000 |
| Preapproval Denied by Financial Institution | 147 | $18,484,000 | $125,000 | $1,170,000 | $54,000 | $754,000 |
| Application Withdrawn By Applicant | 119 | $25,414,000 | $213,000 | $1,148,000 | $126,000 | $814,000 |
| Application Approved But Not Accepted | 69 | $21,359,000 | $309,000 | $2,050,000 | $98,000 | $575,000 |
| File Closed For Incompleteness | 28 | $5,380,000 | $192,000 | $530,000 | $112,000 | $578,000 |
| 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 2015 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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