Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Stock Yards Bank & Trust Company of Louisville, KY reported 1,625 mortgage applications totaling $364.3 million, up 11% from 2015. The average application was for $224,202, and applicants reported an average income of $94,460. 62% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,222), Indianapolis-Carmel-Anderson, IN (90) and Cincinnati, OH-KY-IN (88) (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 | 1,625 |
| Total Mortgage Loan Application Amount | $364,329,000 |
| Average Mortgage Loan Application Amount | $224,202 |
| Highest Mortgage Loan Application Amount | $16,000,000 |
| Average Applicant Income | $94,460 |
| Highest Applicant Income | $3,350,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 916 | $ 179,787,000 | $ 196,274 | $ 85,000 |
| Bullitt, Kentucky | 100 | $ 13,116,000 | $ 131,160 | $ 62,000 |
| Oldham, Kentucky | 79 | $ 18,238,000 | $ 230,860 | $ 123,000 |
| Hamilton, Ohio | 54 | $ 12,453,000 | $ 230,611 | $ 79,000 |
| Marion, Indiana | 53 | $ 16,003,000 | $ 301,943 | $ 153,000 |
| Clark, Indiana | 38 | $ 13,314,000 | $ 350,368 | $ 62,000 |
| Floyd, Indiana | 38 | $ 6,412,000 | $ 168,736 | $ 88,000 |
| Hamilton, Indiana | 21 | $ 9,682,000 | $ 461,047 | $ 370,000 |
| Shelby, Kentucky | 17 | $ 3,959,000 | $ 232,882 | $ 124,000 |
| Kenton, Kentucky | 14 | $ 2,836,000 | $ 202,571 | $ 194,000 |
| Nelson, Kentucky | 14 | $ 1,845,000 | $ 131,785 | $ 60,000 |
| Spencer, Kentucky | 10 | $ 1,773,000 | $ 177,300 | $ 63,000 |
| Campbell, Kentucky | 9 | $ 9,596,000 | $ 1,066,222 | $ 50,000 |
| Harrison, Indiana | 8 | $ 936,000 | $ 117,000 | $ 58,000 |
| Fayette, Kentucky | 8 | $ 1,026,000 | $ 128,250 | $ 27,000 |
| Grayson, Kentucky | 8 | $ 1,082,000 | $ 135,250 | $ 141,000 |
| Boone, Indiana | 7 | $ 3,676,000 | $ 525,142 | $ 194,000 |
| Scott, Indiana | 6 | $ 1,143,000 | $ 190,500 | $ 42,000 |
| Henry, Kentucky | 6 | $ 1,042,000 | $ 173,666 | $ 101,000 |
| Hardin, Kentucky | 5 | $ 552,000 | $ 110,400 | $ 75,000 |
| Montgomery, Ohio | 5 | $ 13,667,000 | $ 2,733,400 | $ 8,000 |
| Johnson, Indiana | 4 | $ 1,352,000 | $ 338,000 | $ 320,000 |
| Meade, Kentucky | 3 | $ 426,000 | $ 142,000 | $ 91,000 |
| Trimble, Kentucky | 3 | $ 329,000 | $ 109,666 | $ 64,000 |
| Clermont, Ohio | 3 | $ 16,379,000 | $ 5,459,666 | $ 62,000 |
| Lake, Florida | 2 | $ 252,000 | $ 126,000 | $ 101,000 |
| Dearborn, Indiana | 2 | $ 255,000 | $ 127,500 | $ 55,000 |
| Hancock, Indiana | 2 | $ 3,000,000 | $ 1,500,000 | $ 1,032,000 |
| Hendricks, Indiana | 2 | $ 259,000 | $ 129,500 | $ 112,000 |
| Anderson, Kentucky | 2 | $ 322,000 | $ 161,000 | $ 48,000 |
| Boone, Kentucky | 2 | $ 321,000 | $ 160,500 | $ 43,000 |
| Breckinridge, Kentucky | 2 | $ 295,000 | $ 147,500 | $ 81,000 |
| Edmonson, Kentucky | 2 | $ 308,000 | $ 154,000 | $ 107,000 |
| Mercer, Kentucky | 2 | $ 440,000 | $ 220,000 | $ 263,000 |
| Butler, Ohio | 2 | $ 174,000 | $ 87,000 | $ 58,000 |
| Warren, Ohio | 2 | $ 447,000 | $ 223,500 | $ 111,000 |
| Baldwin, Alabama | 1 | $ 66,000 | $ 66,000 | $ 61,000 |
| Collier, Florida | 1 | $ 420,000 | $ 420,000 | $ 413,000 |
| Manatee, Florida | 1 | $ 2,860,000 | $ 2,860,000 | $ 3,350,000 |
| Okaloosa, Florida | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Clarke, Georgia | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Allen, Indiana | 1 | $ 610,000 | $ 610,000 | $ 172,000 |
| Brown, Indiana | 1 | $ 284,000 | $ 284,000 | $ 1,562,000 |
| Crawford, Indiana | 1 | $ 53,000 | $ 53,000 | $ 49,000 |
| Decatur, Indiana | 1 | $ 340,000 | $ 340,000 | $ 230,000 |
| Jefferson, Indiana | 1 | $ 50,000 | $ 50,000 | $ 96,000 |
| Monroe, Indiana | 1 | $ 486,000 | $ 486,000 | $ 550,000 |
| Vigo, Indiana | 1 | $ 72,000 | $ 72,000 | $ 59,000 |
| Washington, Indiana | 1 | $ 226,000 | $ 226,000 | $ 39,000 |
| Allen, Kentucky | 1 | $ 244,000 | $ 244,000 | $ 154,000 |
| Franklin, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 41,000 |
| Garrard, Kentucky | 1 | $ 111,000 | $ 111,000 | $ 54,000 |
| Mason, Kentucky | 1 | $ 80,000 | $ 80,000 | $ 74,000 |
| Russell, Kentucky | 1 | $ 278,000 | $ 278,000 | $ 264,000 |
| Scott, Kentucky | 1 | $ 170,000 | $ 170,000 | $ 73,000 |
| Orleans, Louisiana | 1 | $ 178,000 | $ 178,000 | $ 229,000 |
| Antrim, Michigan | 1 | $ 175,000 | $ 175,000 | $ 742,000 |
| Leelanau, Michigan | 1 | $ 939,000 | $ 939,000 | $ 149,000 |
| St. Louis, Missouri | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Franklin, Ohio | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Greene, Ohio | 1 | $ 261,000 | $ 261,000 | $ 316,000 |
| Davidson, Tennessee | 1 | $ 398,000 | $ 398,000 | $ 110,000 |
| Williamson, Tennessee | 1 | $ 352,000 | $ 352,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2016
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 | 989 | $200,692,000 | $202,000 | $8,965,000 | $91,000 | $3,350,000 |
| Refinancing | 569 | $127,198,000 | $223,000 | $16,000,000 | $99,000 | $1,590,000 |
| Home Improvement | 67 | $36,439,000 | $543,000 | $11,000,000 | $107,000 | $742,000 |
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 | 1,255 | $215,209,000 | $171,000 | $2,860,000 | $102,000 | $3,350,000 |
| Not applicable | 161 | $107,128,000 | $665,000 | $16,000,000 | $0 | $0 |
| Black or African American | 78 | $10,420,000 | $133,000 | $875,000 | $67,000 | $500,000 |
| Not Provided | 72 | $21,210,000 | $294,000 | $1,500,000 | $180,000 | $1,100,000 |
| Asian | 30 | $6,014,000 | $200,000 | $1,283,000 | $100,000 | $550,000 |
| Hispanic | 22 | $2,649,000 | $120,000 | $292,000 | $173,000 | $1,800,000 |
| American Indian or Alaskan Native | 5 | $686,000 | $137,000 | $174,000 | $139,000 | $371,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $1,013,000 | $506,000 | $750,000 | $333,000 | $582,000 |
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) | 1,311 | $323,695,000 | $246,000 | $16,000,000 | $106,000 | $3,350,000 |
| FHA-insured (Federal Housing Administration) | 216 | $26,141,000 | $121,000 | $287,000 | $46,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 71 | $11,229,000 | $158,000 | $389,000 | $52,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $3,264,000 | $120,000 | $210,000 | $45,000 | $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 | 1,004 | $236,566,000 | $235,000 | $16,000,000 | $89,000 | $3,350,000 |
| Application Denied By Financial Institution | 196 | $38,322,000 | $195,000 | $1,500,000 | $99,000 | $1,590,000 |
| Application Withdrawn By Applicant | 178 | $40,239,000 | $226,000 | $3,000,000 | $145,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 146 | $18,046,000 | $123,000 | $1,100,000 | $51,000 | $1,253,000 |
| Application Approved But Not Accepted | 50 | $22,218,000 | $444,000 | $10,500,000 | $143,000 | $742,000 |
| File Closed For Incompleteness | 44 | $8,127,000 | $184,000 | $900,000 | $100,000 | $696,000 |
| Loan Purchased By The Institution | 7 | $811,000 | $115,000 | $262,000 | $64,000 | $107,000 |
| 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 2016 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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