Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Stock Yards Bank & Trust Company of Louisville, KY reported 3,982 mortgage applications totaling $933.9 million, up 26% from 2021. The average application was for $234,522, and applicants reported an average income of $128,352. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,396), Lexington-Fayette, KY (516) and Cincinnati, OH-KY-IN (250) (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 | 3,982 |
| Total Mortgage Loan Application Amount | $933,870,000 |
| Average Mortgage Loan Application Amount | $234,522 |
| Highest Mortgage Loan Application Amount | $31,185,000 |
| Average Applicant Income | $128,352 |
| Highest Applicant Income | $3,404,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,527 | $ 310,345,000 | $ 203,238 | $ 130,000 |
| Oldham, Kentucky | 198 | $ 42,100,000 | $ 212,626 | $ 185,000 |
| Clark, Indiana | 180 | $ 27,080,000 | $ 150,444 | $ 79,000 |
| Bullitt, Kentucky | 177 | $ 24,405,000 | $ 137,881 | $ 84,000 |
| Fayette, Kentucky | 170 | $ 50,630,000 | $ 297,823 | $ 196,000 |
| Shelby, Kentucky | 133 | $ 20,835,000 | $ 156,654 | $ 92,000 |
| Clark, Kentucky | 128 | $ 24,510,000 | $ 191,484 | $ 79,000 |
| Hamilton, Ohio | 116 | $ 44,880,000 | $ 386,896 | $ 246,000 |
| Floyd, Indiana | 112 | $ 17,250,000 | $ 154,017 | $ 78,000 |
| Madison, Kentucky | 103 | $ 26,725,000 | $ 259,466 | $ 95,000 |
| Marion, Indiana | 97 | $ 37,045,000 | $ 381,907 | $ 151,000 |
| Bourbon, Kentucky | 89 | $ 11,795,000 | $ 132,528 | $ 86,000 |
| Scott, Kentucky | 62 | $ 10,320,000 | $ 166,451 | $ 102,000 |
| Rowan, Kentucky | 60 | $ 7,300,000 | $ 121,666 | $ 95,000 |
| Harrison, Kentucky | 56 | $ 5,230,000 | $ 93,392 | $ 62,000 |
| Nelson, Kentucky | 45 | $ 6,785,000 | $ 150,777 | $ 75,000 |
| Jessamine, Kentucky | 44 | $ 9,070,000 | $ 206,136 | $ 134,000 |
| Kenton, Kentucky | 44 | $ 10,100,000 | $ 229,545 | $ 200,000 |
| Hardin, Kentucky | 35 | $ 6,315,000 | $ 180,428 | $ 101,000 |
| Henry, Kentucky | 31 | $ 5,775,000 | $ 186,290 | $ 95,000 |
| Campbell, Kentucky | 29 | $ 5,625,000 | $ 193,965 | $ 155,000 |
| Boone, Kentucky | 26 | $ 5,770,000 | $ 221,923 | $ 161,000 |
| Montgomery, Kentucky | 24 | $ 4,490,000 | $ 187,083 | $ 81,000 |
| Woodford, Kentucky | 23 | $ 4,085,000 | $ 177,608 | $ 103,000 |
| Elliott, Kentucky | 19 | $ 1,395,000 | $ 73,421 | $ 58,000 |
| Hamilton, Indiana | 18 | $ 5,960,000 | $ 331,111 | $ 245,000 |
| Harrison, Indiana | 18 | $ 2,640,000 | $ 146,666 | $ 68,000 |
| Spencer, Kentucky | 18 | $ 2,040,000 | $ 113,333 | $ 95,000 |
| Scott, Indiana | 17 | $ 2,085,000 | $ 122,647 | $ 65,000 |
| Fleming, Kentucky | 14 | $ 1,240,000 | $ 88,571 | $ 63,000 |
| Nicholas, Kentucky | 13 | $ 1,665,000 | $ 128,076 | $ 77,000 |
| Hendricks, Indiana | 12 | $ 4,240,000 | $ 353,333 | $ 262,000 |
| Carter, Kentucky | 11 | $ 1,875,000 | $ 170,454 | $ 173,000 |
| Meade, Kentucky | 11 | $ 1,525,000 | $ 138,636 | $ 72,000 |
| Morgan, Kentucky | 11 | $ 685,000 | $ 62,272 | $ 71,000 |
| Johnson, Indiana | 10 | $ 2,420,000 | $ 242,000 | $ 257,000 |
| Franklin, Kentucky | 10 | $ 1,060,000 | $ 106,000 | $ 68,000 |
| Montgomery, Ohio | 10 | $ 28,180,000 | $ 2,818,000 | $ 190,000 |
| Warren, Ohio | 10 | $ 3,410,000 | $ 341,000 | $ 276,000 |
| Garrard, Kentucky | 9 | $ 1,265,000 | $ 140,555 | $ 62,000 |
| Butler, Ohio | 9 | $ 2,355,000 | $ 261,666 | $ 112,000 |
| Clermont, Ohio | 9 | $ 4,615,000 | $ 512,777 | $ 145,000 |
| Collier, Florida | 8 | $ 3,750,000 | $ 468,750 | $ 559,000 |
| Anderson, Kentucky | 7 | $ 635,000 | $ 90,714 | $ 52,000 |
| Mason, Kentucky | 7 | $ 545,000 | $ 77,857 | $ 97,000 |
| Boone, Indiana | 6 | $ 3,280,000 | $ 546,666 | $ 224,000 |
| Madison, Indiana | 6 | $ 1,020,000 | $ 170,000 | $ 94,000 |
| Boyle, Kentucky | 6 | $ 1,810,000 | $ 301,666 | $ 106,000 |
| Palm Beach, Florida | 5 | $ 2,325,000 | $ 465,000 | $ 261,000 |
| Sarasota, Florida | 5 | $ 2,185,000 | $ 437,000 | $ 250,000 |
| Walton, Florida | 5 | $ 4,295,000 | $ 859,000 | $ 1,143,000 |
| Jefferson, Indiana | 5 | $ 575,000 | $ 115,000 | $ 143,000 |
| Morgan, Indiana | 5 | $ 745,000 | $ 149,000 | $ 95,000 |
| Bath, Kentucky | 5 | $ 445,000 | $ 89,000 | $ 46,000 |
| Grayson, Kentucky | 5 | $ 985,000 | $ 197,000 | $ 104,000 |
| Hancock, Indiana | 4 | $ 1,370,000 | $ 342,500 | $ 382,000 |
| Boyd, Kentucky | 4 | $ 300,000 | $ 75,000 | $ 58,000 |
| Daviess, Kentucky | 4 | $ 800,000 | $ 200,000 | $ 60,000 |
| Estill, Kentucky | 4 | $ 460,000 | $ 115,000 | $ 68,000 |
| Grant, Kentucky | 4 | $ 760,000 | $ 190,000 | $ 87,000 |
| Lewis, Kentucky | 4 | $ 310,000 | $ 77,500 | $ 104,000 |
| Menifee, Kentucky | 4 | $ 320,000 | $ 80,000 | $ 63,000 |
| Powell, Kentucky | 4 | $ 200,000 | $ 50,000 | $ 44,000 |
| Monroe, Florida | 3 | $ 2,745,000 | $ 915,000 | $ 898,000 |
| Pinellas, Florida | 3 | $ 1,255,000 | $ 418,333 | $ 160,000 |
| Brown, Indiana | 3 | $ 1,225,000 | $ 408,333 | $ 202,000 |
| Miami, Indiana | 3 | $ 995,000 | $ 331,666 | $ 0 |
| Monroe, Indiana | 3 | $ 3,835,000 | $ 1,278,333 | $ 80,000 |
| Putnam, Indiana | 3 | $ 1,095,000 | $ 365,000 | $ 338,000 |
| Shelby, Indiana | 3 | $ 465,000 | $ 155,000 | $ 174,000 |
| Mercer, Kentucky | 3 | $ 405,000 | $ 135,000 | $ 50,000 |
| Pulaski, Kentucky | 3 | $ 585,000 | $ 195,000 | $ 193,000 |
| Trimble, Kentucky | 3 | $ 325,000 | $ 108,333 | $ 50,000 |
| Washington, Kentucky | 3 | $ 715,000 | $ 238,333 | $ 246,000 |
| Antrim, Michigan | 3 | $ 1,405,000 | $ 468,333 | $ 268,000 |
| Summit, Ohio | 3 | $ 665,000 | $ 221,666 | $ 88,000 |
| Lauderdale, Alabama | 2 | $ 33,400,000 | $ 16,700,000 | $ 0 |
| Lee, Florida | 2 | $ 260,000 | $ 130,000 | $ 284,000 |
| Manatee, Florida | 2 | $ 960,000 | $ 480,000 | $ 196,000 |
| Miami-Dade, Florida | 2 | $ 2,490,000 | $ 1,245,000 | $ 42,000 |
| Orange, Florida | 2 | $ 1,290,000 | $ 645,000 | $ 117,000 |
| Perry, Indiana | 2 | $ 150,000 | $ 75,000 | $ 119,000 |
| Washington, Indiana | 2 | $ 190,000 | $ 95,000 | $ 77,000 |
| Breckinridge, Kentucky | 2 | $ 190,000 | $ 95,000 | $ 44,000 |
| Carroll, Kentucky | 2 | $ 480,000 | $ 240,000 | $ 86,000 |
| Greenup, Kentucky | 2 | $ 140,000 | $ 70,000 | $ 89,000 |
| Lee, Kentucky | 2 | $ 400,000 | $ 200,000 | $ 300,000 |
| Metcalfe, Kentucky | 2 | $ 100,000 | $ 50,000 | $ 31,000 |
| Owen, Kentucky | 2 | $ 470,000 | $ 235,000 | $ 211,000 |
| Robertson, Kentucky | 2 | $ 450,000 | $ 225,000 | $ 70,000 |
| Rockcastle, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 59,000 |
| Warren, Kentucky | 2 | $ 230,000 | $ 115,000 | $ 149,000 |
| Wolfe, Kentucky | 2 | $ 1,060,000 | $ 530,000 | $ 100,000 |
| Rowan, North Carolina | 2 | $ 170,000 | $ 85,000 | $ 175,000 |
| Campbell, Tennessee | 2 | $ 450,000 | $ 225,000 | $ 232,000 |
| Baldwin, Alabama | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Limestone, Alabama | 1 | $ 6,215,000 | $ 6,215,000 | $ 0 |
| Madison, Alabama | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| El Paso, Colorado | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Charlotte, Florida | 1 | $ 325,000 | $ 325,000 | $ 53,000 |
| Citrus, Florida | 1 | $ 195,000 | $ 195,000 | $ 216,000 |
| Flagler, Florida | 1 | $ 325,000 | $ 325,000 | $ 59,000 |
| Okaloosa, Florida | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Osceola, Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Cook, Georgia | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Fulton, Georgia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Newton, Georgia | 1 | $ 605,000 | $ 605,000 | $ 183,000 |
| Allen, Indiana | 1 | $ 545,000 | $ 545,000 | $ 380,000 |
| Cass, Indiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clinton, Indiana | 1 | $ 485,000 | $ 485,000 | $ 143,000 |
| Decatur, Indiana | 1 | $ 345,000 | $ 345,000 | $ 26,000 |
| Dubois, Indiana | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Jackson, Indiana | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Ohio, Indiana | 1 | $ 1,125,000 | $ 1,125,000 | $ 476,000 |
| Tippecanoe, Indiana | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Vanderburgh, Indiana | 1 | $ 18,505,000 | $ 18,505,000 | $ 0 |
| Allen, Kentucky | 1 | $ 285,000 | $ 285,000 | $ 139,000 |
| Barren, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Edmonson, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Gallatin, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Jackson, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Knox, Kentucky | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Larue, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 99,000 |
| Laurel, Kentucky | 1 | $ 275,000 | $ 275,000 | $ 220,000 |
| Letcher, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Muhlenberg, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Pendleton, Kentucky | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Russell, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Taylor, Kentucky | 1 | $ 165,000 | $ 165,000 | $ 180,000 |
| Trigg, Kentucky | 1 | $ 115,000 | $ 115,000 | $ 182,000 |
| Norfolk, Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 137,000 |
| Macomb, Michigan | 1 | $ 625,000 | $ 625,000 | $ 1,078,000 |
| Washtenaw, Michigan | 1 | $ 455,000 | $ 455,000 | $ 184,000 |
| Hennepin, Minnesota | 1 | $ 425,000 | $ 425,000 | $ 1,595,000 |
| Newton, Mississippi | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Washington, New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,703,000 |
| Beaufort, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Chatham, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 130,000 |
| Iredell, North Carolina | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,175,000 |
| Mecklenburg, North Carolina | 1 | $ 545,000 | $ 545,000 | $ 220,000 |
| Cuyahoga, Ohio | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Hancock, Ohio | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Rogers, Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Aiken, South Carolina | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Berkeley, South Carolina | 1 | $ 1,445,000 | $ 1,445,000 | $ 535,000 |
| Georgetown, South Carolina | 1 | $ 495,000 | $ 495,000 | $ 186,000 |
| Carter, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Sevier, Tennessee | 1 | $ 985,000 | $ 985,000 | $ 0 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2022
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 | 1,683 | $571,245,000 | $339,000 | $31,185,000 | $108,000 | $3,240,000 |
| Home Improvement | 743 | $76,025,000 | $102,000 | $6,805,000 | $121,000 | $1,842,000 |
| Refinancing | 654 | $160,450,000 | $245,000 | $5,005,000 | $180,000 | $3,404,000 |
| Other Purpose | 647 | $79,145,000 | $122,000 | $1,125,000 | $153,000 | $2,473,000 |
| Cash-out Refinancing | 248 | $46,040,000 | $185,000 | $685,000 | $88,000 | $784,000 |
| Not Applicable | 7 | $965,000 | $137,000 | $295,000 | $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 | 2,930 | $532,520,000 | $181,000 | $3,065,000 | $132,000 | $3,404,000 |
| Not Provided | 406 | $73,850,000 | $181,000 | $2,005,000 | $148,000 | $2,600,000 |
| Not applicable | 286 | $264,890,000 | $926,000 | $31,185,000 | $0 | $0 |
| Black or African American | 199 | $30,655,000 | $154,000 | $1,685,000 | $73,000 | $768,000 |
| Hispanic | 94 | $16,310,000 | $173,000 | $505,000 | $63,000 | $347,000 |
| Asian | 50 | $11,310,000 | $226,000 | $675,000 | $122,000 | $1,078,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,305,000 | $261,000 | $715,000 | $136,000 | $257,000 |
| American Indian or Alaskan Native | 4 | $540,000 | $135,000 | $205,000 | $87,000 | $120,000 |
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) | 3,775 | $890,585,000 | $235,000 | $31,185,000 | $131,000 | $3,404,000 |
| FHA-insured (Federal Housing Administration) | 160 | $31,310,000 | $195,000 | $425,000 | $78,000 | $585,000 |
| VA-guaranteed (Veterans Administration) | 25 | $7,895,000 | $315,000 | $1,055,000 | $108,000 | $429,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,080,000 | $185,000 | $245,000 | $62,000 | $84,000 |
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 | 2,571 | $625,475,000 | $243,000 | $26,275,000 | $145,000 | $3,404,000 |
| Application Denied By Financial Institution | 768 | $83,570,000 | $108,000 | $1,165,000 | $77,000 | $3,240,000 |
| Application Withdrawn By Applicant | 487 | $167,905,000 | $344,000 | $31,185,000 | $126,000 | $2,600,000 |
| File Closed For Incompleteness | 94 | $22,130,000 | $235,000 | $1,055,000 | $121,000 | $910,000 |
| Application Approved But Not Accepted | 37 | $29,095,000 | $786,000 | $16,925,000 | $201,000 | $1,082,000 |
| Loan Purchased By The Institution | 21 | $3,195,000 | $152,000 | $295,000 | $63,000 | $100,000 |
| Preapproval Approved but not Accepted | 2 | $1,430,000 | $715,000 | $855,000 | $550,000 | $639,000 |
| Preapproval Denied by Financial Institution | 2 | $1,070,000 | $535,000 | $965,000 | $43,000 | $43,000 |
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 | 3,212 | $849,230,000 | $264,000 | $31,185,000 | $142,000 | $3,404,000 |
| Debt-To-Income Ratio | 283 | $40,285,000 | $142,000 | $965,000 | $77,000 | $3,240,000 |
| Credit History | 268 | $21,150,000 | $78,000 | $1,165,000 | $67,000 | $375,000 |
| Collateral | 85 | $8,545,000 | $100,000 | $905,000 | $109,000 | $655,000 |
| Other | 57 | $6,685,000 | $117,000 | $355,000 | $78,000 | $555,000 |
| Credit Application Incomplete | 38 | $3,190,000 | $83,000 | $255,000 | $86,000 | $234,000 |
| Unverifiable Information | 17 | $1,235,000 | $72,000 | $195,000 | $78,000 | $245,000 |
| Employment History | 17 | $2,925,000 | $172,000 | $405,000 | $61,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $625,000 | $125,000 | $265,000 | $38,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2022 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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