Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Stock Yards Bank & Trust Company of Louisville, KY reported 3,154 mortgage applications totaling $684.7 million, up 7% from 2020. The average application was for $217,092, and applicants reported an average income of $124,881. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,998), Lexington-Fayette, KY (262) and Cincinnati, OH-KY-IN (230) (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 | 3,154 |
| Total Mortgage Loan Application Amount | $684,710,000 |
| Average Mortgage Loan Application Amount | $217,092 |
| Highest Mortgage Loan Application Amount | $13,965,000 |
| Average Applicant Income | $124,881 |
| Highest Applicant Income | $4,290,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,324 | $ 252,850,000 | $ 190,974 | $ 114,000 |
| Bullitt, Kentucky | 199 | $ 29,335,000 | $ 147,412 | $ 87,000 |
| Oldham, Kentucky | 179 | $ 35,915,000 | $ 200,642 | $ 132,000 |
| Clark, Indiana | 114 | $ 15,670,000 | $ 137,456 | $ 77,000 |
| Hamilton, Ohio | 102 | $ 35,530,000 | $ 348,333 | $ 261,000 |
| Marion, Indiana | 92 | $ 24,600,000 | $ 267,391 | $ 155,000 |
| Floyd, Indiana | 87 | $ 13,045,000 | $ 149,942 | $ 111,000 |
| Fayette, Kentucky | 83 | $ 30,945,000 | $ 372,831 | $ 157,000 |
| Clark, Kentucky | 62 | $ 7,470,000 | $ 120,483 | $ 79,000 |
| Madison, Kentucky | 54 | $ 27,620,000 | $ 511,481 | $ 97,000 |
| Nelson, Kentucky | 51 | $ 7,215,000 | $ 141,470 | $ 71,000 |
| Harrison, Kentucky | 49 | $ 6,775,000 | $ 138,265 | $ 68,000 |
| Scott, Kentucky | 43 | $ 6,255,000 | $ 145,465 | $ 95,000 |
| Kenton, Kentucky | 42 | $ 7,640,000 | $ 181,904 | $ 140,000 |
| Rowan, Kentucky | 41 | $ 7,195,000 | $ 175,487 | $ 101,000 |
| Shelby, Kentucky | 41 | $ 10,685,000 | $ 260,609 | $ 158,000 |
| Bourbon, Kentucky | 37 | $ 4,605,000 | $ 124,459 | $ 61,000 |
| Hamilton, Indiana | 36 | $ 12,460,000 | $ 346,111 | $ 332,000 |
| Jessamine, Kentucky | 29 | $ 5,185,000 | $ 178,793 | $ 87,000 |
| Campbell, Kentucky | 26 | $ 6,590,000 | $ 253,461 | $ 149,000 |
| Hardin, Kentucky | 25 | $ 3,905,000 | $ 156,200 | $ 60,000 |
| Spencer, Kentucky | 23 | $ 3,885,000 | $ 168,913 | $ 97,000 |
| Henry, Kentucky | 18 | $ 2,410,000 | $ 133,888 | $ 67,000 |
| Scott, Indiana | 17 | $ 1,725,000 | $ 101,470 | $ 65,000 |
| Butler, Ohio | 17 | $ 3,925,000 | $ 230,882 | $ 180,000 |
| Boone, Kentucky | 14 | $ 2,080,000 | $ 148,571 | $ 99,000 |
| Meade, Kentucky | 12 | $ 2,080,000 | $ 173,333 | $ 64,000 |
| Montgomery, Kentucky | 12 | $ 1,960,000 | $ 163,333 | $ 67,000 |
| Grayson, Kentucky | 11 | $ 1,645,000 | $ 149,545 | $ 108,000 |
| Clermont, Ohio | 11 | $ 2,945,000 | $ 267,727 | $ 178,000 |
| Montgomery, Ohio | 10 | $ 2,350,000 | $ 235,000 | $ 96,000 |
| Harrison, Indiana | 9 | $ 1,455,000 | $ 161,666 | $ 75,000 |
| Warren, Ohio | 9 | $ 2,715,000 | $ 301,666 | $ 224,000 |
| Johnson, Indiana | 8 | $ 3,080,000 | $ 385,000 | $ 255,000 |
| Nicholas, Kentucky | 8 | $ 910,000 | $ 113,750 | $ 73,000 |
| Woodford, Kentucky | 8 | $ 1,200,000 | $ 150,000 | $ 106,000 |
| Hendricks, Indiana | 7 | $ 965,000 | $ 137,857 | $ 89,000 |
| Franklin, Kentucky | 7 | $ 705,000 | $ 100,714 | $ 66,000 |
| Collier, Florida | 6 | $ 2,190,000 | $ 365,000 | $ 351,000 |
| Walton, Florida | 6 | $ 4,730,000 | $ 788,333 | $ 1,314,000 |
| Anderson, Kentucky | 6 | $ 370,000 | $ 61,666 | $ 43,000 |
| Beaufort, South Carolina | 6 | $ 1,900,000 | $ 316,666 | $ 163,000 |
| Lee, Florida | 5 | $ 1,875,000 | $ 375,000 | $ 246,000 |
| Elliott, Kentucky | 5 | $ 495,000 | $ 99,000 | $ 58,000 |
| Hart, Kentucky | 5 | $ 385,000 | $ 77,000 | $ 37,000 |
| Larue, Kentucky | 5 | $ 735,000 | $ 147,000 | $ 51,000 |
| Morgan, Kentucky | 5 | $ 1,085,000 | $ 217,000 | $ 123,000 |
| Owen, Kentucky | 5 | $ 865,000 | $ 173,000 | $ 73,000 |
| Shelby, Indiana | 4 | $ 420,000 | $ 105,000 | $ 145,000 |
| Washington, Indiana | 4 | $ 340,000 | $ 85,000 | $ 192,000 |
| Bath, Kentucky | 4 | $ 320,000 | $ 80,000 | $ 60,000 |
| Carter, Kentucky | 4 | $ 490,000 | $ 122,500 | $ 87,000 |
| Edmonson, Kentucky | 4 | $ 500,000 | $ 125,000 | $ 161,000 |
| Fleming, Kentucky | 4 | $ 660,000 | $ 165,000 | $ 93,000 |
| Garrard, Kentucky | 4 | $ 690,000 | $ 172,500 | $ 73,000 |
| Pulaski, Kentucky | 4 | $ 870,000 | $ 217,500 | $ 626,000 |
| Trimble, Kentucky | 4 | $ 750,000 | $ 187,500 | $ 56,000 |
| Washington, Kentucky | 4 | $ 430,000 | $ 107,500 | $ 40,000 |
| Greene, Ohio | 4 | $ 3,170,000 | $ 792,500 | $ 211,000 |
| Baldwin, Alabama | 3 | $ 495,000 | $ 165,000 | $ 115,000 |
| Pinellas, Florida | 3 | $ 2,415,000 | $ 805,000 | $ 352,000 |
| Hancock, Indiana | 3 | $ 545,000 | $ 181,666 | $ 63,000 |
| Jefferson, Indiana | 3 | $ 375,000 | $ 125,000 | $ 51,000 |
| Morgan, Indiana | 3 | $ 3,745,000 | $ 1,248,333 | $ 221,000 |
| Russell, Kentucky | 3 | $ 295,000 | $ 98,333 | $ 238,000 |
| Wayne, Kentucky | 3 | $ 515,000 | $ 171,666 | $ 132,000 |
| Brown, Ohio | 3 | $ 2,025,000 | $ 675,000 | $ 708,000 |
| Miami-Dade, Florida | 2 | $ 400,000 | $ 200,000 | $ 195,000 |
| Volusia, Florida | 2 | $ 500,000 | $ 250,000 | $ 54,000 |
| Boone, Indiana | 2 | $ 180,000 | $ 90,000 | $ 248,000 |
| Delaware, Indiana | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Fulton, Indiana | 2 | $ 1,780,000 | $ 890,000 | $ 0 |
| Tippecanoe, Indiana | 2 | $ 350,000 | $ 175,000 | $ 261,000 |
| Vanderburgh, Indiana | 2 | $ 9,760,000 | $ 4,880,000 | $ 0 |
| Boyd, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Boyle, Kentucky | 2 | $ 570,000 | $ 285,000 | $ 79,000 |
| Breckinridge, Kentucky | 2 | $ 490,000 | $ 245,000 | $ 191,000 |
| Daviess, Kentucky | 2 | $ 1,240,000 | $ 620,000 | $ 390,000 |
| Estill, Kentucky | 2 | $ 150,000 | $ 75,000 | $ 38,000 |
| Grant, Kentucky | 2 | $ 300,000 | $ 150,000 | $ 81,000 |
| Hancock, Kentucky | 2 | $ 110,000 | $ 55,000 | $ 34,000 |
| Lee, Kentucky | 2 | $ 530,000 | $ 265,000 | $ 378,000 |
| Marion, Kentucky | 2 | $ 560,000 | $ 280,000 | $ 155,000 |
| Warren, Kentucky | 2 | $ 350,000 | $ 175,000 | $ 228,000 |
| Mecklenburg, North Carolina | 2 | $ 1,590,000 | $ 795,000 | $ 179,000 |
| Miami, Ohio | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Oconee, South Carolina | 2 | $ 550,000 | $ 275,000 | $ 229,000 |
| Sevier, Tennessee | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Summit, Utah | 2 | $ 3,150,000 | $ 1,575,000 | $ 2,476,000 |
| Maricopa, Arizona | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Sacramento, California | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Summit, Colorado | 1 | $ 665,000 | $ 665,000 | $ 0 |
| District of Columbia, District Of Columbia | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Bay, Florida | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Broward, Florida | 1 | $ 545,000 | $ 545,000 | $ 1,099,000 |
| Citrus, Florida | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Escambia, Florida | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Monroe, Florida | 1 | $ 2,335,000 | $ 2,335,000 | $ 2,142,000 |
| Okaloosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 350,000 |
| Sumter, Florida | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Chatham, Georgia | 1 | $ 255,000 | $ 255,000 | $ 55,000 |
| Cook, Illinois | 1 | $ 455,000 | $ 455,000 | $ 411,000 |
| Bartholomew, Indiana | 1 | $ 12,065,000 | $ 12,065,000 | $ 0 |
| Brown, Indiana | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Dearborn, Indiana | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Decatur, Indiana | 1 | $ 255,000 | $ 255,000 | $ 356,000 |
| Dubois, Indiana | 1 | $ 125,000 | $ 125,000 | $ 35,000 |
| Franklin, Indiana | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Howard, Indiana | 1 | $ 155,000 | $ 155,000 | $ 179,000 |
| Jackson, Indiana | 1 | $ 415,000 | $ 415,000 | $ 345,000 |
| Jasper, Indiana | 1 | $ 455,000 | $ 455,000 | $ 555,000 |
| Lake, Indiana | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Martin, Indiana | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Switzerland, Indiana | 1 | $ 255,000 | $ 255,000 | $ 21,000 |
| Union, Indiana | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Barren, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 110,000 |
| Bell, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 61,000 |
| Bracken, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Clay, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Cumberland, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 241,000 |
| Floyd, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 103,000 |
| Lewis, Kentucky | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Mason, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Menifee, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 69,000 |
| Mercer, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Muhlenberg, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| Powell, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Robertson, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| York, Maine | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 275,000 | $ 275,000 | $ 660,000 |
| Ramsey, Minnesota | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Flathead, Montana | 1 | $ 2,125,000 | $ 2,125,000 | $ 1,028,000 |
| Gallatin, Montana | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Burlington, New Jersey | 1 | $ 165,000 | $ 165,000 | $ 153,000 |
| Buncombe, North Carolina | 1 | $ 155,000 | $ 155,000 | $ 151,000 |
| Macon, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Franklin, Ohio | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Mercer, Ohio | 1 | $ 115,000 | $ 115,000 | $ 21,000 |
| Aiken, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Georgetown, South Carolina | 1 | $ 495,000 | $ 495,000 | $ 510,000 |
| Horry, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 118,000 |
| Sumter, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| Campbell, Tennessee | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Knox, Tennessee | 1 | $ 205,000 | $ 205,000 | $ 67,000 |
| Fairfax, Virginia | 1 | $ 225,000 | $ 225,000 | $ 41,000 |
| Stafford, Virginia | 1 | $ 245,000 | $ 245,000 | $ 329,000 |
| Tazewell, Virginia | 1 | $ 235,000 | $ 235,000 | $ 138,000 |
| Columbia, 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.
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