Stock Yards Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Stock Yards Bank & Trust Company 2021 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 | 3,154 |
| Total Mortgage Loan Application Amount | $684,710,000 |
| Average Mortgage Loan Application Amount | $187,000 |
| Highest Mortgage Loan Application Amount | $13,965,000 |
| Average Applicant Income | $122,600 |
| Highest Applicant Income | $4,290,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,324 | $ 252,850,000 | $ 190,000 | $ 114,000 |
| Bullitt County Kentucky | 199 | $ 29,335,000 | $ 147,000 | $ 87,000 |
| Oldham County Kentucky | 179 | $ 35,915,000 | $ 200,000 | $ 132,000 |
| Clark County Indiana | 114 | $ 15,670,000 | $ 137,000 | $ 77,000 |
| Hamilton County Ohio | 102 | $ 35,530,000 | $ 348,000 | $ 261,000 |
| Marion County Indiana | 92 | $ 24,600,000 | $ 267,000 | $ 155,000 |
| Floyd County Indiana | 87 | $ 13,045,000 | $ 149,000 | $ 111,000 |
| Fayette County Kentucky | 83 | $ 30,945,000 | $ 372,000 | $ 157,000 |
| Clark County Kentucky | 62 | $ 7,470,000 | $ 120,000 | $ 79,000 |
| Madison County Kentucky | 54 | $ 27,620,000 | $ 511,000 | $ 97,000 |
| Nelson County Kentucky | 51 | $ 7,215,000 | $ 141,000 | $ 71,000 |
| Harrison County Kentucky | 49 | $ 6,775,000 | $ 138,000 | $ 68,000 |
| Scott County Kentucky | 43 | $ 6,255,000 | $ 145,000 | $ 95,000 |
| Kenton County Kentucky | 42 | $ 7,640,000 | $ 181,000 | $ 140,000 |
| Rowan County Kentucky | 41 | $ 7,195,000 | $ 175,000 | $ 101,000 |
| Shelby County Kentucky | 41 | $ 10,685,000 | $ 260,000 | $ 158,000 |
| Bourbon County Kentucky | 37 | $ 4,605,000 | $ 124,000 | $ 61,000 |
| Hamilton County Indiana | 36 | $ 12,460,000 | $ 346,000 | $ 332,000 |
| Jessamine County Kentucky | 29 | $ 5,185,000 | $ 178,000 | $ 87,000 |
| Campbell County Kentucky | 26 | $ 6,590,000 | $ 253,000 | $ 149,000 |
| Hardin County Kentucky | 25 | $ 3,905,000 | $ 156,000 | $ 60,000 |
| Spencer County Kentucky | 23 | $ 3,885,000 | $ 168,000 | $ 97,000 |
| Henry County Kentucky | 18 | $ 2,410,000 | $ 133,000 | $ 67,000 |
| Scott County Indiana | 17 | $ 1,725,000 | $ 101,000 | $ 65,000 |
| Butler County Ohio | 17 | $ 3,925,000 | $ 230,000 | $ 180,000 |
| Boone County Kentucky | 14 | $ 2,080,000 | $ 148,000 | $ 99,000 |
| Meade County Kentucky | 12 | $ 2,080,000 | $ 173,000 | $ 64,000 |
| Montgomery County Kentucky | 12 | $ 1,960,000 | $ 163,000 | $ 67,000 |
| Grayson County Kentucky | 11 | $ 1,645,000 | $ 149,000 | $ 108,000 |
| Clermont County Ohio | 11 | $ 2,945,000 | $ 267,000 | $ 178,000 |
| Montgomery County Ohio | 10 | $ 2,350,000 | $ 235,000 | $ 96,000 |
| Harrison County Indiana | 9 | $ 1,455,000 | $ 161,000 | $ 75,000 |
| Warren County Ohio | 9 | $ 2,715,000 | $ 301,000 | $ 224,000 |
| Johnson County Indiana | 8 | $ 3,080,000 | $ 385,000 | $ 255,000 |
| Nicholas County Kentucky | 8 | $ 910,000 | $ 113,000 | $ 73,000 |
| Woodford County Kentucky | 8 | $ 1,200,000 | $ 150,000 | $ 106,000 |
| Hendricks County Indiana | 7 | $ 965,000 | $ 137,000 | $ 89,000 |
| Franklin County Kentucky | 7 | $ 705,000 | $ 100,000 | $ 66,000 |
| Collier County Florida | 6 | $ 2,190,000 | $ 365,000 | $ 351,000 |
| Walton County Florida | 6 | $ 4,730,000 | $ 788,000 | $ 1,314,000 |
| Anderson County Kentucky | 6 | $ 370,000 | $ 61,000 | $ 43,000 |
| Beaufort County South Carolina | 6 | $ 1,900,000 | $ 316,000 | $ 163,000 |
| Lee County Florida | 5 | $ 1,875,000 | $ 375,000 | $ 246,000 |
| Elliott County Kentucky | 5 | $ 495,000 | $ 99,000 | $ 58,000 |
| Hart County Kentucky | 5 | $ 385,000 | $ 77,000 | $ 37,000 |
| Larue County Kentucky | 5 | $ 735,000 | $ 147,000 | $ 51,000 |
| Morgan County Kentucky | 5 | $ 1,085,000 | $ 217,000 | $ 123,000 |
| Owen County Kentucky | 5 | $ 865,000 | $ 173,000 | $ 73,000 |
| Shelby County Indiana | 4 | $ 420,000 | $ 105,000 | $ 145,000 |
| Washington County Indiana | 4 | $ 340,000 | $ 85,000 | $ 192,000 |
| Bath County Kentucky | 4 | $ 320,000 | $ 80,000 | $ 60,000 |
| Carter County Kentucky | 4 | $ 490,000 | $ 122,000 | $ 87,000 |
| Edmonson County Kentucky | 4 | $ 500,000 | $ 125,000 | $ 161,000 |
| Fleming County Kentucky | 4 | $ 660,000 | $ 165,000 | $ 93,000 |
| Garrard County Kentucky | 4 | $ 690,000 | $ 172,000 | $ 73,000 |
| Pulaski County Kentucky | 4 | $ 870,000 | $ 217,000 | $ 626,000 |
| Trimble County Kentucky | 4 | $ 750,000 | $ 187,000 | $ 56,000 |
| Washington County Kentucky | 4 | $ 430,000 | $ 107,000 | $ 40,000 |
| Greene County Ohio | 4 | $ 3,170,000 | $ 792,000 | $ 211,000 |
| Baldwin County Alabama | 3 | $ 495,000 | $ 165,000 | $ 115,000 |
| Pinellas County Florida | 3 | $ 2,415,000 | $ 805,000 | $ 352,000 |
| Hancock County Indiana | 3 | $ 545,000 | $ 181,000 | $ 63,000 |
| Jefferson County Indiana | 3 | $ 375,000 | $ 125,000 | $ 51,000 |
| Morgan County Indiana | 3 | $ 3,745,000 | $ 1,248,000 | $ 221,000 |
| Russell County Kentucky | 3 | $ 295,000 | $ 98,000 | $ 238,000 |
| Wayne County Kentucky | 3 | $ 515,000 | $ 171,000 | $ 132,000 |
| Brown County Ohio | 3 | $ 2,025,000 | $ 675,000 | $ 708,000 |
| Miami-Dade County Florida | 2 | $ 400,000 | $ 200,000 | $ 195,000 |
| Volusia County Florida | 2 | $ 500,000 | $ 250,000 | $ 54,000 |
| Boone County Indiana | 2 | $ 180,000 | $ 90,000 | $ 248,000 |
| Delaware County Indiana | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Fulton County Indiana | 2 | $ 1,780,000 | $ 890,000 | $ 0 |
| Tippecanoe County Indiana | 2 | $ 350,000 | $ 175,000 | $ 261,000 |
| Vanderburgh County Indiana | 2 | $ 9,760,000 | $ 4,880,000 | $ 0 |
| Boyd County Kentucky | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Boyle County Kentucky | 2 | $ 570,000 | $ 285,000 | $ 79,000 |
| Breckinridge County Kentucky | 2 | $ 490,000 | $ 245,000 | $ 191,000 |
| Daviess County Kentucky | 2 | $ 1,240,000 | $ 620,000 | $ 390,000 |
| Estill County Kentucky | 2 | $ 150,000 | $ 75,000 | $ 38,000 |
| Grant County Kentucky | 2 | $ 300,000 | $ 150,000 | $ 81,000 |
| Hancock County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 34,000 |
| Lee County Kentucky | 2 | $ 530,000 | $ 265,000 | $ 378,000 |
| Marion County Kentucky | 2 | $ 560,000 | $ 280,000 | $ 155,000 |
| Warren County Kentucky | 2 | $ 350,000 | $ 175,000 | $ 228,000 |
| Mecklenburg County North Carolina | 2 | $ 1,590,000 | $ 795,000 | $ 179,000 |
| Miami County Ohio | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Oconee County South Carolina | 2 | $ 550,000 | $ 275,000 | $ 229,000 |
| Sevier County Tennessee | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Summit County Utah | 2 | $ 3,150,000 | $ 1,575,000 | $ 2,476,000 |
| Maricopa County Arizona | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Sacramento County California | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Summit County Colorado | 1 | $ 665,000 | $ 665,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Bay County Florida | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Broward County Florida | 1 | $ 545,000 | $ 545,000 | $ 1,099,000 |
| Citrus County Florida | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Escambia County Florida | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Monroe County Florida | 1 | $ 2,335,000 | $ 2,335,000 | $ 2,142,000 |
| Okaloosa County Florida | 1 | $ 155,000 | $ 155,000 | $ 350,000 |
| Sumter County Florida | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Chatham County Georgia | 1 | $ 255,000 | $ 255,000 | $ 55,000 |
| Cook County Illinois | 1 | $ 455,000 | $ 455,000 | $ 411,000 |
| Bartholomew County Indiana | 1 | $ 12,065,000 | $ 12,065,000 | $ 0 |
| Brown County Indiana | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Dearborn County Indiana | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Decatur County Indiana | 1 | $ 255,000 | $ 255,000 | $ 356,000 |
| Dubois County Indiana | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Franklin County Indiana | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Howard County Indiana | 1 | $ 155,000 | $ 155,000 | $ 179,000 |
| Jackson County Indiana | 1 | $ 415,000 | $ 415,000 | $ 345,000 |
| Jasper County Indiana | 1 | $ 455,000 | $ 455,000 | $ 555,000 |
| Lake County Indiana | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Martin County Indiana | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Switzerland County Indiana | 1 | $ 255,000 | $ 255,000 | $ 21,000 |
| Union County Indiana | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Barren County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Bell County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Bracken County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Clay County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Cumberland County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 241,000 |
| Floyd County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
| Lewis County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Mason County Kentucky | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Menifee County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Mercer County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Muhlenberg County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Powell County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Robertson County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| York County Maine | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 275,000 | $ 275,000 | $ 660,000 |
| Ramsey County Minnesota | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Flathead County Montana | 1 | $ 2,125,000 | $ 2,125,000 | $ 1,028,000 |
| Gallatin County Montana | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Burlington County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 153,000 |
| Buncombe County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 151,000 |
| Macon County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Franklin County Ohio | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Mercer County Ohio | 1 | $ 115,000 | $ 115,000 | $ 21,000 |
| Aiken County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Georgetown County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 510,000 |
| Horry County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 118,000 |
| Sumter County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Campbell County Tennessee | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Knox County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Fairfax County Virginia | 1 | $ 225,000 | $ 225,000 | $ 41,000 |
| Stafford County Virginia | 1 | $ 245,000 | $ 245,000 | $ 329,000 |
| Tazewell County Virginia | 1 | $ 235,000 | $ 235,000 | $ 138,000 |
| Columbia County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2021
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 | 986 | $287,720,000 | $291,000 | $13,965,000 | $124,000 | $4,290,000 |
| Refinancing | 976 | $229,150,000 | $234,000 | $12,065,000 | $133,000 | $2,142,000 |
| Other Purpose | 440 | $51,470,000 | $116,000 | $2,335,000 | $142,000 | $2,142,000 |
| Cash-out Refinancing | 433 | $84,265,000 | $194,000 | $755,000 | $97,000 | $780,000 |
| Home Improvement | 319 | $32,105,000 | $100,000 | $2,175,000 | $117,000 | $716,000 |
| 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 | 2,476 | $448,960,000 | $181,000 | $2,125,000 | $124,000 | $4,290,000 |
| Not Provided | 265 | $56,495,000 | $213,000 | $2,335,000 | $166,000 | $2,279,000 |
| Not applicable | 194 | $141,090,000 | $727,000 | $13,965,000 | $0 | $0 |
| Black or African American | 85 | $11,415,000 | $134,000 | $625,000 | $64,000 | $329,000 |
| Asian | 78 | $15,810,000 | $202,000 | $1,095,000 | $104,000 | $1,185,000 |
| Hispanic | 42 | $8,370,000 | $199,000 | $605,000 | $82,000 | $250,000 |
| American Indian or Alaskan Native | 2 | $170,000 | $85,000 | $105,000 | $43,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $132,000 | $132,000 |
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) | 2,958 | $651,910,000 | $220,000 | $13,965,000 | $130,000 | $4,290,000 |
| FHA-insured (Federal Housing Administration) | 138 | $21,410,000 | $155,000 | $295,000 | $51,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 31 | $7,105,000 | $229,000 | $415,000 | $86,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,285,000 | $158,000 | $235,000 | $54,000 | $82,000 |
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 | 2,218 | $510,550,000 | $230,000 | $13,965,000 | $128,000 | $2,279,000 |
| Application Denied By Financial Institution | 426 | $52,620,000 | $123,000 | $1,505,000 | $90,000 | $4,290,000 |
| Application Withdrawn By Applicant | 383 | $92,555,000 | $241,000 | $2,015,000 | $149,000 | $3,606,000 |
| File Closed For Incompleteness | 63 | $12,995,000 | $206,000 | $515,000 | $115,000 | $563,000 |
| Application Approved But Not Accepted | 46 | $11,880,000 | $258,000 | $2,275,000 | $131,000 | $1,095,000 |
| Loan Purchased By The Institution | 10 | $1,250,000 | $125,000 | $195,000 | $48,000 | $75,000 |
| Preapproval Approved but not Accepted | 5 | $2,435,000 | $487,000 | $805,000 | $211,000 | $451,000 |
| Preapproval Denied by Financial Institution | 3 | $425,000 | $141,000 | $175,000 | $42,000 | $48,000 |
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 | 2,725 | $631,665,000 | $231,000 | $13,965,000 | $131,000 | $3,606,000 |
| Credit History | 150 | $12,350,000 | $82,000 | $405,000 | $98,000 | $4,290,000 |
| Debt-To-Income Ratio | 116 | $18,490,000 | $159,000 | $1,505,000 | $67,000 | $1,200,000 |
| Other | 82 | $11,960,000 | $145,000 | $755,000 | $79,000 | $411,000 |
| Collateral | 48 | $6,130,000 | $127,000 | $785,000 | $153,000 | $620,000 |
| Employment History | 15 | $2,065,000 | $137,000 | $295,000 | $39,000 | $129,000 |
| Unverifiable Information | 10 | $1,170,000 | $117,000 | $255,000 | $93,000 | $440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $710,000 | $118,000 | $175,000 | $36,000 | $62,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $105,000 | $262,000 | $417,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2021 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.