Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Stock Yards Bank & Trust Company of Louisville, KY reported 1,894 mortgage applications totaling $384.7 million, up 43% from 2017. The average application was for $203,130, and applicants reported an average income of $136,796. 66% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,484), Cincinnati, OH-KY-IN (158) and Indianapolis-Carmel-Anderson, IN (99) (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 | 1,894 |
| Total Mortgage Loan Application Amount | $384,730,000 |
| Average Mortgage Loan Application Amount | $203,130 |
| Highest Mortgage Loan Application Amount | $21,135,000 |
| Average Applicant Income | $136,796 |
| Highest Applicant Income | $8,394,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 994 | $ 151,000,000 | $ 151,911 | $ 129,000 |
| Oldham, Kentucky | 142 | $ 27,670,000 | $ 194,859 | $ 142,000 |
| Bullitt, Kentucky | 138 | $ 13,080,000 | $ 94,782 | $ 67,000 |
| Clark, Indiana | 86 | $ 8,700,000 | $ 101,162 | $ 81,000 |
| Hamilton, Ohio | 84 | $ 53,170,000 | $ 632,976 | $ 171,000 |
| Floyd, Indiana | 61 | $ 7,315,000 | $ 119,918 | $ 118,000 |
| Marion, Indiana | 59 | $ 17,575,000 | $ 297,881 | $ 248,000 |
| Kenton, Kentucky | 27 | $ 3,845,000 | $ 142,407 | $ 133,000 |
| Nelson, Kentucky | 22 | $ 3,010,000 | $ 136,818 | $ 56,000 |
| Hamilton, Indiana | 21 | $ 6,215,000 | $ 295,952 | $ 222,000 |
| Shelby, Kentucky | 20 | $ 2,970,000 | $ 148,500 | $ 143,000 |
| Campbell, Kentucky | 15 | $ 8,635,000 | $ 575,666 | $ 127,000 |
| Harrison, Indiana | 13 | $ 1,205,000 | $ 92,692 | $ 74,000 |
| Scott, Indiana | 13 | $ 805,000 | $ 61,923 | $ 62,000 |
| Spencer, Kentucky | 11 | $ 1,435,000 | $ 130,454 | $ 71,000 |
| Clermont, Ohio | 11 | $ 2,095,000 | $ 190,454 | $ 187,000 |
| Boone, Kentucky | 9 | $ 1,275,000 | $ 141,666 | $ 53,000 |
| Henry, Kentucky | 6 | $ 410,000 | $ 68,333 | $ 93,000 |
| Boone, Indiana | 5 | $ 1,005,000 | $ 201,000 | $ 542,000 |
| Johnson, Indiana | 5 | $ 815,000 | $ 163,000 | $ 168,000 |
| Fayette, Kentucky | 5 | $ 845,000 | $ 169,000 | $ 158,000 |
| Hardin, Kentucky | 5 | $ 495,000 | $ 99,000 | $ 52,000 |
| Barren, Kentucky | 4 | $ 340,000 | $ 85,000 | $ 39,000 |
| Edmonson, Kentucky | 4 | $ 380,000 | $ 95,000 | $ 135,000 |
| Meade, Kentucky | 4 | $ 340,000 | $ 85,000 | $ 95,000 |
| Butler, Ohio | 4 | $ 720,000 | $ 180,000 | $ 152,000 |
| Beaufort, South Carolina | 4 | $ 1,250,000 | $ 312,500 | $ 316,000 |
| Okaloosa, Florida | 3 | $ 5,195,000 | $ 1,731,666 | $ 238,000 |
| Sarasota, Florida | 3 | $ 1,835,000 | $ 611,666 | $ 998,000 |
| Hancock, Indiana | 3 | $ 1,115,000 | $ 371,666 | $ 53,000 |
| Hendricks, Indiana | 3 | $ 13,405,000 | $ 4,468,333 | $ 112,000 |
| Franklin, Kentucky | 3 | $ 185,000 | $ 61,666 | $ 84,000 |
| Grant, Kentucky | 3 | $ 255,000 | $ 85,000 | $ 90,000 |
| Jessamine, Kentucky | 3 | $ 445,000 | $ 148,333 | $ 508,000 |
| Marion, Kentucky | 3 | $ 555,000 | $ 185,000 | $ 104,000 |
| Collier, Florida | 2 | $ 450,000 | $ 225,000 | $ 911,000 |
| Palm Beach, Florida | 2 | $ 500,000 | $ 250,000 | $ 415,000 |
| Gwinnett, Georgia | 2 | $ 430,000 | $ 215,000 | $ 73,000 |
| Dearborn, Indiana | 2 | $ 110,000 | $ 55,000 | $ 271,000 |
| Jackson, Indiana | 2 | $ 70,000 | $ 35,000 | $ 90,000 |
| Jefferson, Indiana | 2 | $ 150,000 | $ 75,000 | $ 101,000 |
| Morgan, Indiana | 2 | $ 420,000 | $ 210,000 | $ 308,000 |
| Taylor, Kentucky | 2 | $ 440,000 | $ 220,000 | $ 110,000 |
| Wayne, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 215,000 |
| Barry, Michigan | 2 | $ 610,000 | $ 305,000 | $ 460,000 |
| Macon, North Carolina | 2 | $ 610,000 | $ 305,000 | $ 0 |
| Bexar, Texas | 2 | $ 5,010,000 | $ 2,505,000 | $ 0 |
| Baldwin, Alabama | 1 | $ 555,000 | $ 555,000 | $ 1,197,000 |
| Saline, Arkansas | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Washington, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 550,000 |
| San Luis Obispo, California | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Stanislaus, California | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
| Lee, Florida | 1 | $ 425,000 | $ 425,000 | $ 162,000 |
| Martin, Florida | 1 | $ 2,255,000 | $ 2,255,000 | $ 0 |
| Osceola, Florida | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Pinellas, Florida | 1 | $ 3,005,000 | $ 3,005,000 | $ 3,075,000 |
| Seminole, Florida | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| St. Lucie, Florida | 1 | $ 225,000 | $ 225,000 | $ 79,000 |
| Volusia, Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Walton, Florida | 1 | $ 4,045,000 | $ 4,045,000 | $ 0 |
| Bulloch, Georgia | 1 | $ 235,000 | $ 235,000 | $ 96,000 |
| Glynn, Georgia | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Hall, Georgia | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Allen, Indiana | 1 | $ 325,000 | $ 325,000 | $ 654,000 |
| Carroll, Indiana | 1 | $ 125,000 | $ 125,000 | $ 464,000 |
| Gibson, Indiana | 1 | $ 365,000 | $ 365,000 | $ 246,000 |
| Henry, Indiana | 1 | $ 565,000 | $ 565,000 | $ 349,000 |
| Howard, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Monroe, Indiana | 1 | $ 365,000 | $ 365,000 | $ 578,000 |
| Shelby, Indiana | 1 | $ 75,000 | $ 75,000 | $ 183,000 |
| Warrick, Indiana | 1 | $ 215,000 | $ 215,000 | $ 194,000 |
| Sedgwick, Kansas | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Breckinridge, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 116,000 |
| Carroll, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 117,000 |
| Clinton, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 34,000 |
| Gallatin, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Graves, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Grayson, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Green, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 276,000 |
| Russell, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 140,000 |
| Scott, Kentucky | 1 | $ 635,000 | $ 635,000 | $ 350,000 |
| Washington, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Woodford, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 132,000 |
| Allegan, Michigan | 1 | $ 275,000 | $ 275,000 | $ 460,000 |
| Midland, Michigan | 1 | $ 305,000 | $ 305,000 | $ 460,000 |
| Oceana, Michigan | 1 | $ 315,000 | $ 315,000 | $ 708,000 |
| Otsego, New York | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Iredell, North Carolina | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Brown, Ohio | 1 | $ 345,000 | $ 345,000 | $ 388,000 |
| Logan, Ohio | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 4,285,000 | $ 4,285,000 | $ 0 |
| Warren, Ohio | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Dorchester, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2018
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 | 782 | $238,240,000 | $304,000 | $21,135,000 | $118,000 | $2,855,000 |
| Refinancing | 423 | $78,735,000 | $186,000 | $3,005,000 | $200,000 | $8,394,000 |
| Other Purpose | 286 | $23,650,000 | $82,000 | $755,000 | $127,000 | $1,808,000 |
| Home Improvement | 275 | $21,785,000 | $79,000 | $1,595,000 | $125,000 | $850,000 |
| Cash-out Refinancing | 128 | $22,320,000 | $174,000 | $725,000 | $90,000 | $517,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,502 | $220,060,000 | $146,000 | $3,005,000 | $138,000 | $8,394,000 |
| Not Provided | 135 | $21,815,000 | $161,000 | $655,000 | $139,000 | $837,000 |
| Not applicable | 134 | $123,210,000 | $919,000 | $21,135,000 | $0 | $0 |
| Black or African American | 48 | $4,860,000 | $101,000 | $615,000 | $51,000 | $135,000 |
| Asian | 31 | $7,285,000 | $235,000 | $1,805,000 | $137,000 | $903,000 |
| Hispanic | 30 | $5,310,000 | $177,000 | $455,000 | $165,000 | $1,308,000 |
| American Indian or Alaskan Native | 6 | $440,000 | $73,000 | $155,000 | $40,000 | $105,000 |
| 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) | 1,779 | $366,625,000 | $206,000 | $21,135,000 | $141,000 | $8,394,000 |
| FHA-insured (Federal Housing Administration) | 74 | $10,490,000 | $141,000 | $285,000 | $58,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,740,000 | $220,000 | $455,000 | $80,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,875,000 | $125,000 | $235,000 | $41,000 | $69,000 |
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 | 1,242 | $247,920,000 | $199,000 | $12,885,000 | $149,000 | $8,394,000 |
| Application Denied By Financial Institution | 306 | $46,560,000 | $152,000 | $11,955,000 | $90,000 | $1,680,000 |
| Application Withdrawn By Applicant | 237 | $69,125,000 | $291,000 | $21,135,000 | $138,000 | $1,059,000 |
| File Closed For Incompleteness | 31 | $7,445,000 | $240,000 | $805,000 | $106,000 | $448,000 |
| Preapproval Approved but not Accepted | 25 | $7,675,000 | $307,000 | $965,000 | $240,000 | $1,625,000 |
| Application Approved But Not Accepted | 23 | $2,495,000 | $108,000 | $575,000 | $103,000 | $271,000 |
| Loan Purchased By The Institution | 20 | $1,920,000 | $96,000 | $215,000 | $56,000 | $182,000 |
| Preapproval Denied by Financial Institution | 10 | $1,590,000 | $159,000 | $405,000 | $42,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,578 | $336,580,000 | $213,000 | $21,135,000 | $146,000 | $8,394,000 |
| Debt-To-Income Ratio | 97 | $26,005,000 | $268,000 | $11,955,000 | $66,000 | $614,000 |
| Credit History | 82 | $4,950,000 | $60,000 | $345,000 | $65,000 | $215,000 |
| Other | 58 | $8,110,000 | $139,000 | $855,000 | $80,000 | $578,000 |
| Collateral | 44 | $3,470,000 | $78,000 | $565,000 | $147,000 | $1,565,000 |
| Employment History | 17 | $2,475,000 | $145,000 | $805,000 | $72,000 | $438,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $675,000 | $96,000 | $135,000 | $44,000 | $76,000 |
| Credit Application Incomplete | 6 | $540,000 | $90,000 | $155,000 | $508,000 | $1,680,000 |
| Unverifiable Information | 5 | $1,925,000 | $385,000 | $725,000 | $146,000 | $216,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2018 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.
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