Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2017
In 2017, Stock Yards Bank & Trust Company of Louisville, KY reported 1,320 mortgage applications totaling $294.5 million, down 19% from 2016. The average application was for $223,125, and applicants reported an average income of $97,705. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,009), Cincinnati, OH-KY-IN (102) and Indianapolis-Carmel-Anderson, 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 | 1,320 |
| Total Mortgage Loan Application Amount | $294,526,000 |
| Average Mortgage Loan Application Amount | $223,125 |
| Highest Mortgage Loan Application Amount | $16,592,000 |
| Average Applicant Income | $97,705 |
| Highest Applicant Income | $5,366,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 738 | $ 136,428,000 | $ 184,861 | $ 83,000 |
| Bullitt, Kentucky | 87 | $ 12,372,000 | $ 142,206 | $ 65,000 |
| Hamilton, Ohio | 66 | $ 20,364,000 | $ 308,545 | $ 119,000 |
| Marion, Indiana | 61 | $ 10,836,000 | $ 177,639 | $ 92,000 |
| Oldham, Kentucky | 58 | $ 14,600,000 | $ 251,724 | $ 117,000 |
| Clark, Indiana | 44 | $ 5,819,000 | $ 132,250 | $ 76,000 |
| Floyd, Indiana | 35 | $ 6,330,000 | $ 180,857 | $ 94,000 |
| Vanderburgh, Indiana | 22 | $ 2,675,000 | $ 121,590 | $ 0 |
| Shelby, Kentucky | 17 | $ 4,548,000 | $ 267,529 | $ 98,000 |
| Kenton, Kentucky | 15 | $ 2,447,000 | $ 163,133 | $ 70,000 |
| Hamilton, Indiana | 13 | $ 11,584,000 | $ 891,076 | $ 272,000 |
| Montgomery, Ohio | 13 | $ 4,534,000 | $ 348,769 | $ 4,000 |
| Harrison, Indiana | 8 | $ 1,025,000 | $ 128,125 | $ 72,000 |
| Boone, Kentucky | 7 | $ 926,000 | $ 132,285 | $ 71,000 |
| Nelson, Kentucky | 7 | $ 781,000 | $ 111,571 | $ 76,000 |
| Spencer, Kentucky | 7 | $ 1,012,000 | $ 144,571 | $ 121,000 |
| Campbell, Kentucky | 6 | $ 839,000 | $ 139,833 | $ 146,000 |
| Scott, Indiana | 5 | $ 288,000 | $ 57,600 | $ 35,000 |
| Trimble, Kentucky | 5 | $ 579,000 | $ 115,800 | $ 105,000 |
| Hancock, Indiana | 4 | $ 1,034,000 | $ 258,500 | $ 109,000 |
| Johnson, Indiana | 4 | $ 1,538,000 | $ 384,500 | $ 135,000 |
| Edmonson, Kentucky | 4 | $ 703,000 | $ 175,750 | $ 828,000 |
| Hardin, Kentucky | 4 | $ 665,000 | $ 166,250 | $ 52,000 |
| Henry, Kentucky | 4 | $ 430,000 | $ 107,500 | $ 42,000 |
| Palm Beach, Florida | 3 | $ 1,523,000 | $ 507,666 | $ 348,000 |
| Pinellas, Florida | 3 | $ 620,000 | $ 206,666 | $ 224,000 |
| Breckinridge, Kentucky | 3 | $ 128,000 | $ 42,666 | $ 60,000 |
| Fayette, Kentucky | 3 | $ 490,000 | $ 163,333 | $ 13,000 |
| Grayson, Kentucky | 3 | $ 225,000 | $ 75,000 | $ 84,000 |
| Meade, Kentucky | 3 | $ 253,000 | $ 84,333 | $ 64,000 |
| Butler, Ohio | 3 | $ 470,000 | $ 156,666 | $ 106,000 |
| Beaufort, South Carolina | 3 | $ 938,000 | $ 312,666 | $ 217,000 |
| Collier, Florida | 2 | $ 538,000 | $ 269,000 | $ 127,000 |
| Martin, Florida | 2 | $ 6,000,000 | $ 3,000,000 | $ 2,683,000 |
| Boone, Indiana | 2 | $ 676,000 | $ 338,000 | $ 416,000 |
| Jackson, Indiana | 2 | $ 194,000 | $ 97,000 | $ 91,000 |
| Morgan, Indiana | 2 | $ 10,300,000 | $ 5,150,000 | $ 0 |
| Anderson, Kentucky | 2 | $ 273,000 | $ 136,500 | $ 90,000 |
| Franklin, Kentucky | 2 | $ 188,000 | $ 94,000 | $ 45,000 |
| Taylor, Kentucky | 2 | $ 446,000 | $ 223,000 | $ 111,000 |
| Clermont, Ohio | 2 | $ 152,000 | $ 76,000 | $ 93,000 |
| Charleston, South Carolina | 2 | $ 1,302,000 | $ 651,000 | $ 269,000 |
| Grand, Colorado | 1 | $ 599,000 | $ 599,000 | $ 222,000 |
| Duval, Florida | 1 | $ 223,000 | $ 223,000 | $ 63,000 |
| Lee, Florida | 1 | $ 300,000 | $ 300,000 | $ 288,000 |
| Okaloosa, Florida | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| McIntosh, Georgia | 1 | $ 216,000 | $ 216,000 | $ 108,000 |
| Allen, Indiana | 1 | $ 385,000 | $ 385,000 | $ 150,000 |
| Brown, Indiana | 1 | $ 160,000 | $ 160,000 | $ 249,000 |
| Crawford, Indiana | 1 | $ 15,000 | $ 15,000 | $ 3,300,000 |
| Hendricks, Indiana | 1 | $ 160,000 | $ 160,000 | $ 55,000 |
| Vigo, Indiana | 1 | $ 16,592,000 | $ 16,592,000 | $ 0 |
| Washington, Indiana | 1 | $ 90,000 | $ 90,000 | $ 46,000 |
| Floyd, Iowa | 1 | $ 54,000 | $ 54,000 | $ 177,000 |
| Calloway, Kentucky | 1 | $ 242,000 | $ 242,000 | $ 188,000 |
| Carroll, Kentucky | 1 | $ 208,000 | $ 208,000 | $ 100,000 |
| Clinton, Kentucky | 1 | $ 48,000 | $ 48,000 | $ 34,000 |
| Grant, Kentucky | 1 | $ 222,000 | $ 222,000 | $ 80,000 |
| Hart, Kentucky | 1 | $ 84,000 | $ 84,000 | $ 89,000 |
| Madison, Kentucky | 1 | $ 183,000 | $ 183,000 | $ 83,000 |
| Marion, Kentucky | 1 | $ 186,000 | $ 186,000 | $ 77,000 |
| Montgomery, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Powell, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 187,000 |
| Warren, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 32,000 |
| Wayne, Kentucky | 1 | $ 280,000 | $ 280,000 | $ 781,000 |
| Antrim, Michigan | 1 | $ 424,000 | $ 424,000 | $ 496,000 |
| Gallatin, Montana | 1 | $ 320,000 | $ 320,000 | $ 171,000 |
| Saratoga, New York | 1 | $ 360,000 | $ 360,000 | $ 491,000 |
| Ulster, New York | 1 | $ 270,000 | $ 270,000 | $ 61,000 |
| Buncombe, North Carolina | 1 | $ 380,000 | $ 380,000 | $ 517,000 |
| Brown, Ohio | 1 | $ 83,000 | $ 83,000 | $ 32,000 |
| Franklin, Ohio | 1 | $ 127,000 | $ 127,000 | $ 51,000 |
| Madison, Ohio | 1 | $ 110,000 | $ 110,000 | $ 90,000 |
| Warren, Ohio | 1 | $ 1,000,000 | $ 1,000,000 | $ 549,000 |
| Dorchester, South Carolina | 1 | $ 154,000 | $ 154,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2017
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 | 903 | $215,743,000 | $238,000 | $16,592,000 | $89,000 | $5,366,000 |
| Refinancing | 338 | $70,441,000 | $208,000 | $3,600,000 | $105,000 | $1,533,000 |
| Home Improvement | 79 | $8,342,000 | $105,000 | $1,468,000 | $166,000 | $3,300,000 |
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 | 992 | $183,401,000 | $184,000 | $3,000,000 | $116,000 | $5,366,000 |
| Not applicable | 160 | $89,565,000 | $559,000 | $16,592,000 | $0 | $0 |
| Not Provided | 71 | $12,008,000 | $169,000 | $700,000 | $114,000 | $549,000 |
| Black or African American | 58 | $4,647,000 | $80,000 | $330,000 | $51,000 | $149,000 |
| Asian | 18 | $1,878,000 | $104,000 | $180,000 | $54,000 | $126,000 |
| Hispanic | 15 | $2,392,000 | $159,000 | $275,000 | $88,000 | $310,000 |
| American Indian or Alaskan Native | 5 | $628,000 | $125,000 | $280,000 | $192,000 | $781,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $7,000 | $7,000 | $7,000 | $21,000 | $21,000 |
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) | 1,148 | $268,527,000 | $233,000 | $16,592,000 | $104,000 | $5,366,000 |
| FHA-insured (Federal Housing Administration) | 116 | $16,261,000 | $140,000 | $295,000 | $51,000 | $231,000 |
| VA-guaranteed (Veterans Administration) | 31 | $6,607,000 | $213,000 | $511,000 | $82,000 | $254,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $3,131,000 | $125,000 | $172,000 | $44,000 | $70,000 |
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 | 801 | $167,769,000 | $209,000 | $6,700,000 | $89,000 | $3,300,000 |
| Application Denied By Financial Institution | 193 | $52,489,000 | $271,000 | $16,592,000 | $79,000 | $1,480,000 |
| Application Withdrawn By Applicant | 169 | $43,268,000 | $256,000 | $8,150,000 | $118,000 | $1,533,000 |
| Application Approved But Not Accepted | 66 | $18,816,000 | $285,000 | $3,000,000 | $238,000 | $5,366,000 |
| Loan Purchased By The Institution | 45 | $4,307,000 | $95,000 | $243,000 | $49,000 | $211,000 |
| File Closed For Incompleteness | 37 | $6,644,000 | $179,000 | $768,000 | $112,000 | $496,000 |
| Preapproval Denied by Financial Institution | 9 | $1,233,000 | $137,000 | $240,000 | $34,000 | $58,000 |
| 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 2017 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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