Stock Yards Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Stock Yards Bank & Trust Company 2022 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 | 3,982 |
| Total Mortgage Loan Application Amount | $933,870,000 |
| Average Mortgage Loan Application Amount | $188,333 |
| Highest Mortgage Loan Application Amount | $31,185,000 |
| Average Applicant Income | $108,333 |
| Highest Applicant Income | $3,404,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,527 | $ 310,345,000 | $ 203,000 | $ 130,000 |
| Oldham County Kentucky | 198 | $ 42,100,000 | $ 212,000 | $ 185,000 |
| Clark County Indiana | 180 | $ 27,080,000 | $ 150,000 | $ 79,000 |
| Bullitt County Kentucky | 177 | $ 24,405,000 | $ 137,000 | $ 84,000 |
| Fayette County Kentucky | 170 | $ 50,630,000 | $ 297,000 | $ 196,000 |
| Shelby County Kentucky | 133 | $ 20,835,000 | $ 156,000 | $ 92,000 |
| Clark County Kentucky | 128 | $ 24,510,000 | $ 191,000 | $ 79,000 |
| Hamilton County Ohio | 116 | $ 44,880,000 | $ 386,000 | $ 246,000 |
| Floyd County Indiana | 112 | $ 17,250,000 | $ 154,000 | $ 78,000 |
| Madison County Kentucky | 103 | $ 26,725,000 | $ 259,000 | $ 95,000 |
| Marion County Indiana | 97 | $ 37,045,000 | $ 381,000 | $ 151,000 |
| Bourbon County Kentucky | 89 | $ 11,795,000 | $ 132,000 | $ 86,000 |
| Scott County Kentucky | 62 | $ 10,320,000 | $ 166,000 | $ 102,000 |
| Rowan County Kentucky | 60 | $ 7,300,000 | $ 121,000 | $ 95,000 |
| Harrison County Kentucky | 56 | $ 5,230,000 | $ 93,000 | $ 62,000 |
| Nelson County Kentucky | 45 | $ 6,785,000 | $ 150,000 | $ 75,000 |
| Jessamine County Kentucky | 44 | $ 9,070,000 | $ 206,000 | $ 134,000 |
| Kenton County Kentucky | 44 | $ 10,100,000 | $ 229,000 | $ 200,000 |
| Hardin County Kentucky | 35 | $ 6,315,000 | $ 180,000 | $ 101,000 |
| Henry County Kentucky | 31 | $ 5,775,000 | $ 186,000 | $ 95,000 |
| Campbell County Kentucky | 29 | $ 5,625,000 | $ 193,000 | $ 155,000 |
| Boone County Kentucky | 26 | $ 5,770,000 | $ 221,000 | $ 161,000 |
| Montgomery County Kentucky | 24 | $ 4,490,000 | $ 187,000 | $ 81,000 |
| Woodford County Kentucky | 23 | $ 4,085,000 | $ 177,000 | $ 103,000 |
| Elliott County Kentucky | 19 | $ 1,395,000 | $ 73,000 | $ 58,000 |
| Hamilton County Indiana | 18 | $ 5,960,000 | $ 331,000 | $ 245,000 |
| Harrison County Indiana | 18 | $ 2,640,000 | $ 146,000 | $ 68,000 |
| Spencer County Kentucky | 18 | $ 2,040,000 | $ 113,000 | $ 95,000 |
| Scott County Indiana | 17 | $ 2,085,000 | $ 122,000 | $ 65,000 |
| Fleming County Kentucky | 14 | $ 1,240,000 | $ 88,000 | $ 63,000 |
| Nicholas County Kentucky | 13 | $ 1,665,000 | $ 128,000 | $ 77,000 |
| Hendricks County Indiana | 12 | $ 4,240,000 | $ 353,000 | $ 262,000 |
| Carter County Kentucky | 11 | $ 1,875,000 | $ 170,000 | $ 173,000 |
| Meade County Kentucky | 11 | $ 1,525,000 | $ 138,000 | $ 72,000 |
| Morgan County Kentucky | 11 | $ 685,000 | $ 62,000 | $ 71,000 |
| Johnson County Indiana | 10 | $ 2,420,000 | $ 242,000 | $ 257,000 |
| Franklin County Kentucky | 10 | $ 1,060,000 | $ 106,000 | $ 68,000 |
| Montgomery County Ohio | 10 | $ 28,180,000 | $ 2,818,000 | $ 190,000 |
| Warren County Ohio | 10 | $ 3,410,000 | $ 341,000 | $ 276,000 |
| Garrard County Kentucky | 9 | $ 1,265,000 | $ 140,000 | $ 62,000 |
| Butler County Ohio | 9 | $ 2,355,000 | $ 261,000 | $ 112,000 |
| Clermont County Ohio | 9 | $ 4,615,000 | $ 512,000 | $ 145,000 |
| Collier County Florida | 8 | $ 3,750,000 | $ 468,000 | $ 559,000 |
| Anderson County Kentucky | 7 | $ 635,000 | $ 90,000 | $ 52,000 |
| Mason County Kentucky | 7 | $ 545,000 | $ 77,000 | $ 97,000 |
| Boone County Indiana | 6 | $ 3,280,000 | $ 546,000 | $ 224,000 |
| Madison County Indiana | 6 | $ 1,020,000 | $ 170,000 | $ 94,000 |
| Boyle County Kentucky | 6 | $ 1,810,000 | $ 301,000 | $ 106,000 |
| Palm Beach County Florida | 5 | $ 2,325,000 | $ 465,000 | $ 261,000 |
| Sarasota County Florida | 5 | $ 2,185,000 | $ 437,000 | $ 250,000 |
| Walton County Florida | 5 | $ 4,295,000 | $ 859,000 | $ 1,143,000 |
| Jefferson County Indiana | 5 | $ 575,000 | $ 115,000 | $ 143,000 |
| Morgan County Indiana | 5 | $ 745,000 | $ 149,000 | $ 95,000 |
| Bath County Kentucky | 5 | $ 445,000 | $ 89,000 | $ 46,000 |
| Grayson County Kentucky | 5 | $ 985,000 | $ 197,000 | $ 104,000 |
| Hancock County Indiana | 4 | $ 1,370,000 | $ 342,000 | $ 382,000 |
| Boyd County Kentucky | 4 | $ 300,000 | $ 75,000 | $ 58,000 |
| Daviess County Kentucky | 4 | $ 800,000 | $ 200,000 | $ 60,000 |
| Estill County Kentucky | 4 | $ 460,000 | $ 115,000 | $ 68,000 |
| Grant County Kentucky | 4 | $ 760,000 | $ 190,000 | $ 87,000 |
| Lewis County Kentucky | 4 | $ 310,000 | $ 77,000 | $ 104,000 |
| Menifee County Kentucky | 4 | $ 320,000 | $ 80,000 | $ 63,000 |
| Powell County Kentucky | 4 | $ 200,000 | $ 50,000 | $ 44,000 |
| Monroe County Florida | 3 | $ 2,745,000 | $ 915,000 | $ 898,000 |
| Pinellas County Florida | 3 | $ 1,255,000 | $ 418,000 | $ 160,000 |
| Brown County Indiana | 3 | $ 1,225,000 | $ 408,000 | $ 202,000 |
| Miami County Indiana | 3 | $ 995,000 | $ 331,000 | $ 0 |
| Monroe County Indiana | 3 | $ 3,835,000 | $ 1,278,000 | $ 80,000 |
| Putnam County Indiana | 3 | $ 1,095,000 | $ 365,000 | $ 338,000 |
| Shelby County Indiana | 3 | $ 465,000 | $ 155,000 | $ 174,000 |
| Mercer County Kentucky | 3 | $ 405,000 | $ 135,000 | $ 50,000 |
| Pulaski County Kentucky | 3 | $ 585,000 | $ 195,000 | $ 193,000 |
| Trimble County Kentucky | 3 | $ 325,000 | $ 108,000 | $ 50,000 |
| Washington County Kentucky | 3 | $ 715,000 | $ 238,000 | $ 246,000 |
| Antrim County Michigan | 3 | $ 1,405,000 | $ 468,000 | $ 268,000 |
| Summit County Ohio | 3 | $ 665,000 | $ 221,000 | $ 88,000 |
| Lauderdale County Alabama | 2 | $ 33,400,000 | $ 16,700,000 | $ 0 |
| Lee County Florida | 2 | $ 260,000 | $ 130,000 | $ 284,000 |
| Manatee County Florida | 2 | $ 960,000 | $ 480,000 | $ 196,000 |
| Miami-Dade County Florida | 2 | $ 2,490,000 | $ 1,245,000 | $ 42,000 |
| Orange County Florida | 2 | $ 1,290,000 | $ 645,000 | $ 117,000 |
| Perry County Indiana | 2 | $ 150,000 | $ 75,000 | $ 119,000 |
| Washington County Indiana | 2 | $ 190,000 | $ 95,000 | $ 77,000 |
| Breckinridge County Kentucky | 2 | $ 190,000 | $ 95,000 | $ 44,000 |
| Carroll County Kentucky | 2 | $ 480,000 | $ 240,000 | $ 86,000 |
| Greenup County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 89,000 |
| Lee County Kentucky | 2 | $ 400,000 | $ 200,000 | $ 300,000 |
| Metcalfe County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 31,000 |
| Owen County Kentucky | 2 | $ 470,000 | $ 235,000 | $ 211,000 |
| Robertson County Kentucky | 2 | $ 450,000 | $ 225,000 | $ 70,000 |
| Rockcastle County Kentucky | 2 | $ 170,000 | $ 85,000 | $ 59,000 |
| Warren County Kentucky | 2 | $ 230,000 | $ 115,000 | $ 149,000 |
| Wolfe County Kentucky | 2 | $ 1,060,000 | $ 530,000 | $ 100,000 |
| Rowan County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 175,000 |
| Campbell County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 232,000 |
| Baldwin County Alabama | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Limestone County Alabama | 1 | $ 6,215,000 | $ 6,215,000 | $ 0 |
| Madison County Alabama | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| El Paso County Colorado | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Charlotte County Florida | 1 | $ 325,000 | $ 325,000 | $ 53,000 |
| Citrus County Florida | 1 | $ 195,000 | $ 195,000 | $ 216,000 |
| Flagler County Florida | 1 | $ 325,000 | $ 325,000 | $ 59,000 |
| Okaloosa County Florida | 1 | $ 805,000 | $ 805,000 | $ 0 |
| Osceola County Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Cook County Georgia | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Fulton County Georgia | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Newton County Georgia | 1 | $ 605,000 | $ 605,000 | $ 183,000 |
| Allen County Indiana | 1 | $ 545,000 | $ 545,000 | $ 380,000 |
| Cass County Indiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clinton County Indiana | 1 | $ 485,000 | $ 485,000 | $ 143,000 |
| Decatur County Indiana | 1 | $ 345,000 | $ 345,000 | $ 26,000 |
| Dubois County Indiana | 1 | $ 25,000 | $ 25,000 | $ 102,000 |
| Jackson County Indiana | 1 | $ 45,000 | $ 45,000 | $ 118,000 |
| Ohio County Indiana | 1 | $ 1,125,000 | $ 1,125,000 | $ 476,000 |
| Tippecanoe County Indiana | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Vanderburgh County Indiana | 1 | $ 18,505,000 | $ 18,505,000 | $ 0 |
| Allen County Kentucky | 1 | $ 285,000 | $ 285,000 | $ 139,000 |
| Barren County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Edmonson County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Gallatin County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Jackson County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Knox County Kentucky | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Larue County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 99,000 |
| Laurel County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 220,000 |
| Letcher County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Muhlenberg County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Pendleton County Kentucky | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Russell County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 134,000 |
| Taylor County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 180,000 |
| Trigg County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 182,000 |
| Norfolk County Massachusetts | 1 | $ 455,000 | $ 455,000 | $ 137,000 |
| Macomb County Michigan | 1 | $ 625,000 | $ 625,000 | $ 1,078,000 |
| Washtenaw County Michigan | 1 | $ 455,000 | $ 455,000 | $ 184,000 |
| Hennepin County Minnesota | 1 | $ 425,000 | $ 425,000 | $ 1,595,000 |
| Newton County Mississippi | 1 | $ 105,000 | $ 105,000 | $ 36,000 |
| Washington County New York | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,703,000 |
| Beaufort County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Chatham County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 130,000 |
| Iredell County North Carolina | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,175,000 |
| Mecklenburg County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 220,000 |
| Cuyahoga County Ohio | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Hancock County Ohio | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Rogers County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Aiken County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Berkeley County South Carolina | 1 | $ 1,445,000 | $ 1,445,000 | $ 535,000 |
| Georgetown County South Carolina | 1 | $ 495,000 | $ 495,000 | $ 186,000 |
| Carter County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Sevier County 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.