Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Stock Yards Bank & Trust Company of Louisville, KY reported 2,228 mortgage applications totaling $395.6 million, up 18% from 2018. The average application was for $177,562, and applicants reported an average income of $129,589. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,760), Cincinnati, OH-KY-IN (156) and Indianapolis-Carmel-Anderson, IN (96) (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 | 2,228 |
| Total Mortgage Loan Application Amount | $395,610,000 |
| Average Mortgage Loan Application Amount | $177,562 |
| Highest Mortgage Loan Application Amount | $9,465,000 |
| Average Applicant Income | $129,589 |
| Highest Applicant Income | $6,522,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,225 | $ 191,355,000 | $ 156,208 | $ 115,000 |
| Bullitt, Kentucky | 162 | $ 19,860,000 | $ 122,592 | $ 74,000 |
| Oldham, Kentucky | 161 | $ 30,025,000 | $ 186,490 | $ 139,000 |
| Clark, Indiana | 88 | $ 8,840,000 | $ 100,454 | $ 93,000 |
| Hamilton, Ohio | 82 | $ 19,540,000 | $ 238,292 | $ 230,000 |
| Floyd, Indiana | 69 | $ 9,565,000 | $ 138,623 | $ 118,000 |
| Marion, Indiana | 56 | $ 10,800,000 | $ 192,857 | $ 215,000 |
| Kenton, Kentucky | 29 | $ 3,935,000 | $ 135,689 | $ 155,000 |
| Nelson, Kentucky | 22 | $ 1,650,000 | $ 75,000 | $ 58,000 |
| Shelby, Kentucky | 22 | $ 4,970,000 | $ 225,909 | $ 144,000 |
| Hamilton, Indiana | 21 | $ 14,635,000 | $ 696,904 | $ 228,000 |
| Hardin, Kentucky | 20 | $ 2,750,000 | $ 137,500 | $ 88,000 |
| Campbell, Kentucky | 16 | $ 4,860,000 | $ 303,750 | $ 220,000 |
| Harrison, Indiana | 13 | $ 1,755,000 | $ 135,000 | $ 124,000 |
| Scott, Indiana | 12 | $ 890,000 | $ 74,166 | $ 59,000 |
| Boone, Kentucky | 11 | $ 1,545,000 | $ 140,454 | $ 144,000 |
| Spencer, Kentucky | 10 | $ 1,830,000 | $ 183,000 | $ 80,000 |
| Hendricks, Indiana | 9 | $ 875,000 | $ 97,222 | $ 101,000 |
| Henry, Kentucky | 8 | $ 970,000 | $ 121,250 | $ 68,000 |
| Breckinridge, Kentucky | 7 | $ 675,000 | $ 96,428 | $ 89,000 |
| Meade, Kentucky | 7 | $ 755,000 | $ 107,857 | $ 56,000 |
| Trimble, Kentucky | 7 | $ 1,015,000 | $ 145,000 | $ 54,000 |
| Clermont, Ohio | 7 | $ 1,145,000 | $ 163,571 | $ 165,000 |
| Fayette, Kentucky | 6 | $ 1,440,000 | $ 240,000 | $ 323,000 |
| Larue, Kentucky | 6 | $ 390,000 | $ 65,000 | $ 39,000 |
| Lee, Florida | 5 | $ 775,000 | $ 155,000 | $ 223,000 |
| Crawford, Indiana | 5 | $ 205,000 | $ 41,000 | $ 104,000 |
| Johnson, Indiana | 5 | $ 915,000 | $ 183,000 | $ 214,000 |
| Warren, Ohio | 5 | $ 1,785,000 | $ 357,000 | $ 478,000 |
| Collier, Florida | 4 | $ 2,140,000 | $ 535,000 | $ 640,000 |
| Grayson, Kentucky | 4 | $ 720,000 | $ 180,000 | $ 429,000 |
| Butler, Ohio | 4 | $ 990,000 | $ 247,500 | $ 161,000 |
| Sarasota, Florida | 3 | $ 1,505,000 | $ 501,666 | $ 207,000 |
| Tippecanoe, Indiana | 3 | $ 595,000 | $ 198,333 | $ 4,495,000 |
| Franklin, Kentucky | 3 | $ 415,000 | $ 138,333 | $ 67,000 |
| Madison, Kentucky | 3 | $ 315,000 | $ 105,000 | $ 103,000 |
| Pulaski, Kentucky | 3 | $ 255,000 | $ 85,000 | $ 27,000 |
| Miami-Dade, Florida | 2 | $ 1,190,000 | $ 595,000 | $ 200,000 |
| Walton, Florida | 2 | $ 590,000 | $ 295,000 | $ 99,000 |
| Chatham, Georgia | 2 | $ 460,000 | $ 230,000 | $ 55,000 |
| Delaware, Indiana | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Hancock, Indiana | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Vanderburgh, Indiana | 2 | $ 9,760,000 | $ 4,880,000 | $ 0 |
| Washington, Indiana | 2 | $ 150,000 | $ 75,000 | $ 22,000 |
| Adair, Kentucky | 2 | $ 90,000 | $ 45,000 | $ 34,000 |
| Ohio, Kentucky | 2 | $ 250,000 | $ 125,000 | $ 38,000 |
| Warren, Kentucky | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Cumberland, Maine | 2 | $ 930,000 | $ 465,000 | $ 699,000 |
| Montgomery, Ohio | 2 | $ 320,000 | $ 160,000 | $ 143,000 |
| Baldwin, Alabama | 1 | $ 255,000 | $ 255,000 | $ 0 |
| El Paso, Colorado | 1 | $ 405,000 | $ 405,000 | $ 118,000 |
| Gunnison, Colorado | 1 | $ 415,000 | $ 415,000 | $ 101,000 |
| Brevard, Florida | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Charlotte, Florida | 1 | $ 295,000 | $ 295,000 | $ 191,000 |
| Flagler, Florida | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Manatee, Florida | 1 | $ 3,485,000 | $ 3,485,000 | $ 0 |
| Monroe, Florida | 1 | $ 925,000 | $ 925,000 | $ 576,000 |
| Palm Beach, Florida | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Pinellas, Florida | 1 | $ 415,000 | $ 415,000 | $ 445,000 |
| Volusia, Florida | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Bartholomew, Indiana | 1 | $ 715,000 | $ 715,000 | $ 344,000 |
| Boone, Indiana | 1 | $ 385,000 | $ 385,000 | $ 82,000 |
| Brown, Indiana | 1 | $ 155,000 | $ 155,000 | $ 146,000 |
| Clinton, Indiana | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Decatur, Indiana | 1 | $ 55,000 | $ 55,000 | $ 283,000 |
| Howard, Indiana | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Jackson, Indiana | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Jefferson, Indiana | 1 | $ 325,000 | $ 325,000 | $ 118,000 |
| Kosciusko, Indiana | 1 | $ 485,000 | $ 485,000 | $ 285,000 |
| Morgan, Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Ripley, Indiana | 1 | $ 745,000 | $ 745,000 | $ 130,000 |
| Steuben, Indiana | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Warrick, Indiana | 1 | $ 1,775,000 | $ 1,775,000 | $ 0 |
| Barren, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 173,000 |
| Boyle, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Casey, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Edmonson, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Grant, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 68,000 |
| Jessamine, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 55,000 |
| Mason, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Owsley, Kentucky | 1 | $ 145,000 | $ 145,000 | $ 48,000 |
| Powell, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 381,000 |
| Scott, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 69,000 |
| Washington, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Flathead, Montana | 1 | $ 395,000 | $ 395,000 | $ 491,000 |
| Clark, Nevada | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Brown, Ohio | 1 | $ 335,000 | $ 335,000 | $ 527,000 |
| Franklin, Ohio | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Greene, Ohio | 1 | $ 75,000 | $ 75,000 | $ 193,000 |
| Highland, Ohio | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Shelby, Ohio | 1 | $ 2,235,000 | $ 2,235,000 | $ 0 |
| Armstrong, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Charleston, South Carolina | 1 | $ 515,000 | $ 515,000 | $ 86,000 |
| Davidson, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Hamilton, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2019
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 | 898 | $209,360,000 | $233,000 | $9,465,000 | $116,000 | $2,993,000 |
| Refinancing | 470 | $88,090,000 | $187,000 | $7,005,000 | $150,000 | $2,217,000 |
| Other Purpose | 410 | $34,100,000 | $83,000 | $745,000 | $126,000 | $2,017,000 |
| Home Improvement | 246 | $21,120,000 | $85,000 | $725,000 | $174,000 | $6,522,000 |
| Cash-out Refinancing | 203 | $42,915,000 | $211,000 | $2,505,000 | $96,000 | $799,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $105,000 | $105,000 |
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 | 1,766 | $272,060,000 | $154,000 | $2,505,000 | $129,000 | $6,522,000 |
| Not Provided | 164 | $29,300,000 | $178,000 | $2,455,000 | $168,000 | $2,476,000 |
| Not applicable | 158 | $74,440,000 | $471,000 | $9,465,000 | $0 | $0 |
| Black or African American | 59 | $6,105,000 | $103,000 | $625,000 | $55,000 | $137,000 |
| Asian | 40 | $7,720,000 | $193,000 | $1,075,000 | $142,000 | $1,417,000 |
| Hispanic | 24 | $3,420,000 | $142,000 | $695,000 | $109,000 | $676,000 |
| American Indian or Alaskan Native | 7 | $955,000 | $136,000 | $325,000 | $65,000 | $206,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $360,000 | $180,000 | $345,000 | $276,000 | $354,000 |
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) | 2,022 | $364,600,000 | $180,000 | $9,465,000 | $138,000 | $6,522,000 |
| FHA-insured (Federal Housing Administration) | 157 | $21,185,000 | $134,000 | $325,000 | $51,000 | $189,000 |
| VA-guaranteed (Veterans Administration) | 37 | $7,895,000 | $213,000 | $525,000 | $83,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,930,000 | $160,000 | $225,000 | $57,000 | $77,000 |
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 | 1,429 | $254,335,000 | $177,000 | $9,465,000 | $145,000 | $6,522,000 |
| Application Denied By Financial Institution | 398 | $45,340,000 | $113,000 | $1,355,000 | $78,000 | $825,000 |
| Application Withdrawn By Applicant | 267 | $71,735,000 | $268,000 | $7,005,000 | $156,000 | $2,017,000 |
| File Closed For Incompleteness | 40 | $10,340,000 | $258,000 | $2,455,000 | $114,000 | $438,000 |
| Loan Purchased By The Institution | 27 | $2,395,000 | $88,000 | $165,000 | $45,000 | $98,000 |
| Preapproval Approved but not Accepted | 26 | $5,100,000 | $196,000 | $755,000 | $77,000 | $322,000 |
| Application Approved But Not Accepted | 25 | $3,905,000 | $156,000 | $305,000 | $112,000 | $320,000 |
| Preapproval Denied by Financial Institution | 16 | $2,460,000 | $153,000 | $405,000 | $44,000 | $108,000 |
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 | 1,814 | $347,810,000 | $191,000 | $9,465,000 | $142,000 | $6,522,000 |
| Credit History | 146 | $12,220,000 | $83,000 | $1,005,000 | $70,000 | $445,000 |
| Debt-To-Income Ratio | 107 | $16,675,000 | $155,000 | $1,355,000 | $60,000 | $274,000 |
| Other | 75 | $9,015,000 | $120,000 | $1,285,000 | $75,000 | $720,000 |
| Collateral | 52 | $5,310,000 | $102,000 | $775,000 | $136,000 | $825,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,455,000 | $163,000 | $415,000 | $61,000 | $146,000 |
| Employment History | 9 | $1,245,000 | $138,000 | $405,000 | $52,000 | $74,000 |
| Unverifiable Information | 6 | $480,000 | $80,000 | $185,000 | $139,000 | $200,000 |
| Credit Application Incomplete | 4 | $400,000 | $100,000 | $305,000 | $88,000 | $116,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2019 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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