Stock Yards Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Stock Yards Bank & Trust Company 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Stock Yards Bank & Trust Company 1040 East Main Street Louisville, KY 40206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 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 | 2,958 |
| Total Mortgage Loan Application Amount | $680,350,000 |
| Average Mortgage Loan Application Amount | $194,400 |
| Highest Mortgage Loan Application Amount | $24,505,000 |
| Average Applicant Income | $135,800 |
| Highest Applicant Income | $3,835,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Stock Yards Bank & Trust Company. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Stock Yards Bank & Trust Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Stock Yards Bank & Trust Company's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Stock Yards Bank & Trust Company serves its applicants.
Each category highlights the total number of mortgage applications processed by Stock Yards Bank & Trust Company, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Stock Yards Bank & Trust Company's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Jefferson County Kentucky | 1,541 | $ 314,405,000 | $ 204,000 | $ 120,000 |
| Oldham County Kentucky | 235 | $ 69,575,000 | $ 296,000 | $ 135,000 |
| Bullitt County Kentucky | 181 | $ 27,005,000 | $ 149,000 | $ 79,000 |
| Hamilton County Ohio | 140 | $ 41,870,000 | $ 299,000 | $ 195,000 |
| Clark County Indiana | 122 | $ 17,190,000 | $ 140,000 | $ 80,000 |
| Marion County Indiana | 93 | $ 37,655,000 | $ 404,000 | $ 201,000 |
| Floyd County Indiana | 85 | $ 14,185,000 | $ 166,000 | $ 92,000 |
| Nelson County Kentucky | 52 | $ 5,900,000 | $ 113,000 | $ 61,000 |
| Hamilton County Indiana | 36 | $ 9,290,000 | $ 258,000 | $ 248,000 |
| Kenton County Kentucky | 34 | $ 6,650,000 | $ 195,000 | $ 219,000 |
| Shelby County Kentucky | 28 | $ 10,230,000 | $ 365,000 | $ 395,000 |
| Spencer County Kentucky | 27 | $ 4,635,000 | $ 171,000 | $ 100,000 |
| Campbell County Kentucky | 25 | $ 5,005,000 | $ 200,000 | $ 155,000 |
| Harrison County Indiana | 23 | $ 3,585,000 | $ 155,000 | $ 106,000 |
| Hardin County Kentucky | 20 | $ 2,350,000 | $ 117,000 | $ 58,000 |
| Henry County Kentucky | 20 | $ 3,490,000 | $ 174,000 | $ 217,000 |
| Boone County Kentucky | 16 | $ 3,140,000 | $ 196,000 | $ 219,000 |
| Scott County Indiana | 15 | $ 1,455,000 | $ 97,000 | $ 61,000 |
| Johnson County Indiana | 14 | $ 3,210,000 | $ 229,000 | $ 325,000 |
| Hendricks County Indiana | 13 | $ 2,725,000 | $ 209,000 | $ 130,000 |
| Fayette County Kentucky | 12 | $ 3,480,000 | $ 290,000 | $ 169,000 |
| Grayson County Kentucky | 10 | $ 1,620,000 | $ 162,000 | $ 179,000 |
| Clermont County Ohio | 10 | $ 2,300,000 | $ 230,000 | $ 191,000 |
| Boone County Indiana | 8 | $ 1,420,000 | $ 177,000 | $ 117,000 |
| Breckinridge County Kentucky | 8 | $ 620,000 | $ 77,000 | $ 67,000 |
| Butler County Ohio | 8 | $ 1,640,000 | $ 205,000 | $ 222,000 |
| Meade County Kentucky | 7 | $ 1,015,000 | $ 145,000 | $ 74,000 |
| Warren County Ohio | 7 | $ 1,285,000 | $ 183,000 | $ 159,000 |
| Shelby County Indiana | 6 | $ 1,250,000 | $ 208,000 | $ 141,000 |
| Tippecanoe County Indiana | 5 | $ 485,000 | $ 97,000 | $ 181,000 |
| Russell County Kentucky | 5 | $ 765,000 | $ 153,000 | $ 161,000 |
| Trimble County Kentucky | 5 | $ 615,000 | $ 123,000 | $ 65,000 |
| Montgomery County Ohio | 5 | $ 565,000 | $ 113,000 | $ 133,000 |
| Hancock County Indiana | 4 | $ 1,170,000 | $ 292,000 | $ 100,000 |
| Lee County Florida | 3 | $ 695,000 | $ 231,000 | $ 338,000 |
| Sarasota County Florida | 3 | $ 1,365,000 | $ 455,000 | $ 365,000 |
| Brown County Indiana | 3 | $ 445,000 | $ 148,000 | $ 201,000 |
| Washington County Indiana | 3 | $ 475,000 | $ 158,000 | $ 166,000 |
| Franklin County Kentucky | 3 | $ 655,000 | $ 218,000 | $ 115,000 |
| Hart County Kentucky | 3 | $ 505,000 | $ 168,000 | $ 120,000 |
| Collier County Florida | 2 | $ 1,070,000 | $ 535,000 | $ 891,000 |
| Miami-Dade County Florida | 2 | $ 2,910,000 | $ 1,455,000 | $ 0 |
| Volusia County Florida | 2 | $ 230,000 | $ 115,000 | $ 99,000 |
| Walton County Florida | 2 | $ 670,000 | $ 335,000 | $ 231,000 |
| Delaware County Indiana | 2 | $ 270,000 | $ 135,000 | $ 433,000 |
| Vanderburgh County Indiana | 2 | $ 760,000 | $ 380,000 | $ 129,000 |
| Wayne County Indiana | 2 | $ 370,000 | $ 185,000 | $ 278,000 |
| Carroll County Kentucky | 2 | $ 360,000 | $ 180,000 | $ 60,000 |
| Garrard County Kentucky | 2 | $ 370,000 | $ 185,000 | $ 54,000 |
| Jessamine County Kentucky | 2 | $ 1,860,000 | $ 930,000 | $ 47,000 |
| Marion County Kentucky | 2 | $ 480,000 | $ 240,000 | $ 160,000 |
| Muhlenberg County Kentucky | 2 | $ 370,000 | $ 185,000 | $ 111,000 |
| Scott County Kentucky | 2 | $ 620,000 | $ 310,000 | $ 209,000 |
| Washington County Kentucky | 2 | $ 300,000 | $ 150,000 | $ 63,000 |
| Beaufort County South Carolina | 2 | $ 710,000 | $ 355,000 | $ 97,000 |
| Campbell County Tennessee | 2 | $ 630,000 | $ 315,000 | $ 175,000 |
| Baldwin County Alabama | 1 | $ 505,000 | $ 505,000 | $ 1,037,000 |
| Arapahoe County Colorado | 1 | $ 355,000 | $ 355,000 | $ 250,000 |
| Larimer County Colorado | 1 | $ 335,000 | $ 335,000 | $ 250,000 |
| District of Columbia County District Of Columbia | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Bay County Florida | 1 | $ 295,000 | $ 295,000 | $ 220,000 |
| Broward County Florida | 1 | $ 115,000 | $ 115,000 | $ 168,000 |
| Charlotte County Florida | 1 | $ 515,000 | $ 515,000 | $ 398,000 |
| Flagler County Florida | 1 | $ 205,000 | $ 205,000 | $ 156,000 |
| Martin County Florida | 1 | $ 515,000 | $ 515,000 | $ 684,000 |
| Nassau County Florida | 1 | $ 165,000 | $ 165,000 | $ 209,000 |
| Okaloosa County Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Osceola County Florida | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| Palm Beach County Florida | 1 | $ 425,000 | $ 425,000 | $ 387,000 |
| Pinellas County Florida | 1 | $ 775,000 | $ 775,000 | $ 250,000 |
| Polk County Florida | 1 | $ 235,000 | $ 235,000 | $ 27,000 |
| Cobb County Georgia | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| DeKalb County Georgia | 1 | $ 505,000 | $ 505,000 | $ 341,000 |
| Houston County Georgia | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Taylor County Georgia | 1 | $ 135,000 | $ 135,000 | $ 118,000 |
| Kootenai County Idaho | 1 | $ 135,000 | $ 135,000 | $ 136,000 |
| DeKalb County Illinois | 1 | $ 105,000 | $ 105,000 | $ 393,000 |
| Clay County Indiana | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Clinton County Indiana | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Crawford County Indiana | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Dearborn County Indiana | 1 | $ 215,000 | $ 215,000 | $ 370,000 |
| Decatur County Indiana | 1 | $ 495,000 | $ 495,000 | $ 139,000 |
| Huntington County Indiana | 1 | $ 375,000 | $ 375,000 | $ 397,000 |
| Kosciusko County Indiana | 1 | $ 155,000 | $ 155,000 | $ 437,000 |
| Madison County Indiana | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Marshall County Indiana | 1 | $ 285,000 | $ 285,000 | $ 248,000 |
| Monroe County Indiana | 1 | $ 235,000 | $ 235,000 | $ 227,000 |
| Montgomery County Indiana | 1 | $ 155,000 | $ 155,000 | $ 173,000 |
| Morgan County Indiana | 1 | $ 715,000 | $ 715,000 | $ 345,000 |
| Orange County Indiana | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Perry County Indiana | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| St. Joseph County Indiana | 1 | $ 265,000 | $ 265,000 | $ 116,000 |
| Wells County Indiana | 1 | $ 205,000 | $ 205,000 | $ 0 |
| White County Indiana | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Anderson County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 32,000 |
| Barren County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 195,000 |
| Clinton County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 35,000 |
| Edmonson County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Gallatin County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Knox County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Madison County Kentucky | 1 | $ 335,000 | $ 335,000 | $ 94,000 |
| Powell County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Trigg County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Warren County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 118,000 |
| Woodford County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 139,000 |
| Antrim County Michigan | 1 | $ 255,000 | $ 255,000 | $ 337,000 |
| Kent County Michigan | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Muskegon County Michigan | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Oakland County Michigan | 1 | $ 345,000 | $ 345,000 | $ 100,000 |
| St. Joseph County Michigan | 1 | $ 305,000 | $ 305,000 | $ 153,000 |
| Flathead County Montana | 1 | $ 385,000 | $ 385,000 | $ 521,000 |
| Gallatin County Montana | 1 | $ 395,000 | $ 395,000 | $ 64,000 |
| Sullivan County New Hampshire | 1 | $ 135,000 | $ 135,000 | $ 180,000 |
| Avery County North Carolina | 1 | $ 515,000 | $ 515,000 | $ 665,000 |
| New Hanover County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Athens County Ohio | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Brown County Ohio | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Delaware County Ohio | 1 | $ 145,000 | $ 145,000 | $ 531,000 |
| Fairfield County Ohio | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Franklin County Ohio | 1 | $ 175,000 | $ 175,000 | $ 126,000 |
| Highland County Ohio | 1 | $ 25,000 | $ 25,000 | $ 262,000 |
| Madison County Ohio | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Philadelphia County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 56,000 |
| Charleston County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 190,000 |
| Greenville County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 118,000 |
| Davidson County Tennessee | 1 | $ 845,000 | $ 845,000 | $ 298,000 |
| Jefferson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Nueces County Texas | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Morgan County Utah | 1 | $ 865,000 | $ 865,000 | $ 540,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,085 | $234,185,000 | $215,000 | $3,995,000 | $135,000 | $3,835,000 |
| Home Purchase | 885 | $296,365,000 | $334,000 | $24,505,000 | $125,000 | $2,992,000 |
| Cash-out Refinancing | 458 | $90,730,000 | $198,000 | $905,000 | $111,000 | $2,683,000 |
| Other Purpose | 334 | $35,880,000 | $107,000 | $1,425,000 | $150,000 | $1,173,000 |
| Home Improvement | 196 | $23,190,000 | $118,000 | $1,055,000 | $158,000 | $1,270,000 |
| 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 | 2,327 | $441,635,000 | $189,000 | $6,175,000 | $131,000 | $3,835,000 |
| Not Provided | 236 | $48,510,000 | $205,000 | $845,000 | $166,000 | $2,992,000 |
| Not applicable | 198 | $158,200,000 | $798,000 | $24,505,000 | $0 | $0 |
| Black or African American | 78 | $11,440,000 | $146,000 | $575,000 | $78,000 | $540,000 |
| Asian | 73 | $12,305,000 | $168,000 | $595,000 | $96,000 | $1,135,000 |
| Hispanic | 35 | $6,235,000 | $178,000 | $665,000 | $101,000 | $550,000 |
| American Indian or Alaskan Native | 4 | $630,000 | $157,000 | $245,000 | $58,000 | $91,000 |
| 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) | 2,823 | $659,265,000 | $233,000 | $24,505,000 | $135,000 | $3,835,000 |
| FHA-insured (Federal Housing Administration) | 112 | $16,610,000 | $148,000 | $295,000 | $52,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,835,000 | $201,000 | $375,000 | $71,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $640,000 | $160,000 | $195,000 | $57,000 | $67,000 |
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 | 2,257 | $474,935,000 | $210,000 | $14,945,000 | $137,000 | $3,835,000 |
| Application Denied By Financial Institution | 317 | $45,865,000 | $144,000 | $1,355,000 | $88,000 | $1,800,000 |
| Application Withdrawn By Applicant | 294 | $121,910,000 | $414,000 | $24,505,000 | $143,000 | $1,270,000 |
| Application Approved But Not Accepted | 32 | $26,280,000 | $821,000 | $21,075,000 | $168,000 | $1,033,000 |
| Loan Purchased By The Institution | 28 | $4,150,000 | $148,000 | $345,000 | $66,000 | $337,000 |
| File Closed For Incompleteness | 19 | $4,495,000 | $236,000 | $405,000 | $151,000 | $416,000 |
| Preapproval Denied by Financial Institution | 6 | $1,020,000 | $170,000 | $285,000 | $30,000 | $54,000 |
| Preapproval Approved but not Accepted | 5 | $1,695,000 | $339,000 | $515,000 | $103,000 | $180,000 |
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 | 2,635 | $633,465,000 | $240,000 | $24,505,000 | $137,000 | $3,835,000 |
| Debt-To-Income Ratio | 118 | $19,130,000 | $162,000 | $905,000 | $53,000 | $388,000 |
| Credit History | 69 | $7,085,000 | $102,000 | $1,355,000 | $78,000 | $647,000 |
| Other | 68 | $11,050,000 | $162,000 | $805,000 | $106,000 | $1,800,000 |
| Collateral | 39 | $5,075,000 | $130,000 | $725,000 | $151,000 | $743,000 |
| Unverifiable Information | 14 | $2,180,000 | $155,000 | $375,000 | $169,000 | $697,000 |
| Employment History | 11 | $1,785,000 | $162,000 | $395,000 | $30,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $235,000 | $85,000 | $151,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2020 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.