Stock Yards Bank & Trust Company
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Stock Yards Bank & Trust Company 2023 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 3,498
Total Mortgage Loan Application Amount $963,970,000
Average Mortgage Loan Application Amount $206,833
Highest Mortgage Loan Application Amount $50,005,000
Average Applicant Income $109,500
Highest Applicant Income $3,433,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.

Mortgage Loan Application Totals for Stock Yards Bank & Trust Company by County in 2023

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 1,276 $ 326,500,000 $ 255,000 $ 130,000
Bullitt County Kentucky 163 $ 22,385,000 $ 137,000 $ 78,000
Fayette County Kentucky 148 $ 50,750,000 $ 342,000 $ 179,000
Oldham County Kentucky 142 $ 28,930,000 $ 203,000 $ 153,000
Clark County Indiana 131 $ 19,115,000 $ 145,000 $ 72,000
Marion County Indiana 127 $ 82,655,000 $ 650,000 $ 116,000
Shelby County Kentucky 122 $ 25,190,000 $ 206,000 $ 130,000
Hamilton County Ohio 109 $ 68,925,000 $ 632,000 $ 160,000
Floyd County Indiana 95 $ 14,125,000 $ 148,000 $ 82,000
Madison County Kentucky 94 $ 22,230,000 $ 236,000 $ 100,000
Bourbon County Kentucky 93 $ 10,425,000 $ 112,000 $ 85,000
Clark County Kentucky 77 $ 9,105,000 $ 118,000 $ 82,000
Harrison County Kentucky 61 $ 4,975,000 $ 81,000 $ 71,000
Hardin County Kentucky 60 $ 14,260,000 $ 237,000 $ 73,000
Scott County Kentucky 58 $ 8,020,000 $ 138,000 $ 94,000
Rowan County Kentucky 56 $ 4,920,000 $ 87,000 $ 87,000
Nelson County Kentucky 49 $ 6,505,000 $ 132,000 $ 73,000
Kenton County Kentucky 37 $ 10,985,000 $ 296,000 $ 240,000
Hamilton County Indiana 35 $ 19,345,000 $ 552,000 $ 384,000
Jessamine County Kentucky 35 $ 7,045,000 $ 201,000 $ 175,000
Boone County Kentucky 28 $ 6,150,000 $ 219,000 $ 235,000
Henry County Kentucky 27 $ 3,775,000 $ 139,000 $ 68,000
Spencer County Kentucky 25 $ 4,445,000 $ 177,000 $ 101,000
Scott County Indiana 24 $ 2,360,000 $ 98,000 $ 63,000
Campbell County Kentucky 23 $ 7,535,000 $ 327,000 $ 202,000
Woodford County Kentucky 23 $ 2,665,000 $ 115,000 $ 94,000
Montgomery County Kentucky 19 $ 2,685,000 $ 141,000 $ 72,000
Franklin County Kentucky 15 $ 2,515,000 $ 167,000 $ 87,000
Grayson County Kentucky 13 $ 2,305,000 $ 177,000 $ 98,000
Hendricks County Indiana 12 $ 3,480,000 $ 290,000 $ 281,000
Johnson County Indiana 12 $ 4,980,000 $ 415,000 $ 201,000
Madison County Indiana 9 $ 1,455,000 $ 161,000 $ 81,000
Garrard County Kentucky 9 $ 1,325,000 $ 147,000 $ 61,000
Nicholas County Kentucky 9 $ 715,000 $ 79,000 $ 68,000
Bath County Kentucky 8 $ 820,000 $ 102,000 $ 49,000
Butler County Ohio 8 $ 3,480,000 $ 435,000 $ 148,000
Harrison County Indiana 7 $ 1,355,000 $ 193,000 $ 88,000
Meade County Kentucky 7 $ 1,025,000 $ 146,000 $ 73,000
Clermont County Ohio 7 $ 2,925,000 $ 417,000 $ 307,000
Howard County Indiana 6 $ 940,000 $ 156,000 $ 60,000
Carter County Kentucky 6 $ 610,000 $ 101,000 $ 105,000
Fleming County Kentucky 6 $ 830,000 $ 138,000 $ 87,000
Mercer County Kentucky 6 $ 760,000 $ 126,000 $ 119,000
Boone County Indiana 5 $ 2,405,000 $ 481,000 $ 403,000
Anderson County Kentucky 5 $ 1,085,000 $ 217,000 $ 115,000
Boyle County Kentucky 5 $ 2,625,000 $ 525,000 $ 47,000
Breckinridge County Kentucky 5 $ 395,000 $ 79,000 $ 51,000
Rockcastle County Kentucky 5 $ 345,000 $ 69,000 $ 57,000
LaGrange County Indiana 4 $ 1,980,000 $ 495,000 $ 0
Estill County Kentucky 4 $ 720,000 $ 180,000 $ 158,000
Larue County Kentucky 4 $ 970,000 $ 242,000 $ 65,000
Mason County Kentucky 4 $ 360,000 $ 90,000 $ 103,000
Morgan County Kentucky 4 $ 270,000 $ 67,000 $ 49,000
Trimble County Kentucky 4 $ 490,000 $ 122,000 $ 67,000
Washington County Kentucky 4 $ 440,000 $ 110,000 $ 70,000
Greene County Ohio 4 $ 1,130,000 $ 282,000 $ 157,000
Montgomery County Ohio 4 $ 22,840,000 $ 5,710,000 $ 145,000
Collier County Florida 3 $ 4,485,000 $ 1,495,000 $ 365,000
Palm Beach County Florida 3 $ 1,655,000 $ 551,000 $ 411,000
Delaware County Indiana 3 $ 395,000 $ 131,000 $ 168,000
Monroe County Indiana 3 $ 1,495,000 $ 498,000 $ 0
Washington County Indiana 3 $ 525,000 $ 175,000 $ 77,000
Elliott County Kentucky 3 $ 165,000 $ 55,000 $ 72,000
Hart County Kentucky 3 $ 575,000 $ 191,000 $ 238,000
Marion County Kentucky 3 $ 215,000 $ 71,000 $ 57,000
Menifee County Kentucky 3 $ 205,000 $ 68,000 $ 126,000
Powell County Kentucky 3 $ 105,000 $ 35,000 $ 67,000
Russell County Kentucky 3 $ 1,005,000 $ 335,000 $ 220,000
Summit County Ohio 3 $ 425,000 $ 141,000 $ 46,000
Charleston County South Carolina 3 $ 2,415,000 $ 805,000 $ 284,000
Lauderdale County Alabama 2 $ 3,280,000 $ 1,640,000 $ 0
Mobile County Alabama 2 $ 1,550,000 $ 775,000 $ 0
Bay County Florida 2 $ 380,000 $ 190,000 $ 127,000
Lee County Florida 2 $ 800,000 $ 400,000 $ 1,157,000
Sarasota County Florida 2 $ 620,000 $ 310,000 $ 197,000
Volusia County Florida 2 $ 600,000 $ 300,000 $ 228,000
Walton County Florida 2 $ 330,000 $ 165,000 $ 230,000
Cook County Illinois 2 $ 800,000 $ 400,000 $ 340,000
Bartholomew County Indiana 2 $ 340,000 $ 170,000 $ 107,000
Greene County Indiana 2 $ 390,000 $ 195,000 $ 53,000
Hancock County Indiana 2 $ 210,000 $ 105,000 $ 39,000
Henry County Indiana 2 $ 540,000 $ 270,000 $ 129,000
Lake County Indiana 2 $ 180,000 $ 90,000 $ 0
Orange County Indiana 2 $ 240,000 $ 120,000 $ 60,000
Tippecanoe County Indiana 2 $ 390,000 $ 195,000 $ 0
Boyd County Kentucky 2 $ 180,000 $ 90,000 $ 68,000
Grant County Kentucky 2 $ 600,000 $ 300,000 $ 266,000
Pendleton County Kentucky 2 $ 170,000 $ 85,000 $ 30,000
Taylor County Kentucky 2 $ 180,000 $ 90,000 $ 59,000
Franklin County Ohio 2 $ 1,670,000 $ 835,000 $ 651,000
Warren County Ohio 2 $ 980,000 $ 490,000 $ 157,000
Madison County Alabama 1 $ 30,005,000 $ 30,005,000 $ 0
Brevard County Florida 1 $ 375,000 $ 375,000 $ 27,000
Broward County Florida 1 $ 225,000 $ 225,000 $ 0
Charlotte County Florida 1 $ 285,000 $ 285,000 $ 94,000
Escambia County Florida 1 $ 155,000 $ 155,000 $ 18,000
Miami-Dade County Florida 1 $ 155,000 $ 155,000 $ 150,000
Okaloosa County Florida 1 $ 625,000 $ 625,000 $ 620,000
Orange County Florida 1 $ 335,000 $ 335,000 $ 0
Osceola County Florida 1 $ 305,000 $ 305,000 $ 0
Pinellas County Florida 1 $ 535,000 $ 535,000 $ 328,000
Sumter County Florida 1 $ 125,000 $ 125,000 $ 70,000
Clayton County Georgia 1 $ 225,000 $ 225,000 $ 149,000
DeKalb County Georgia 1 $ 105,000 $ 105,000 $ 59,000
Lowndes County Georgia 1 $ 195,000 $ 195,000 $ 46,000
Brown County Indiana 1 $ 365,000 $ 365,000 $ 194,000
Crawford County Indiana 1 $ 155,000 $ 155,000 $ 126,000
Dearborn County Indiana 1 $ 25,000 $ 25,000 $ 86,000
Decatur County Indiana 1 $ 4,805,000 $ 4,805,000 $ 0
Jasper County Indiana 1 $ 145,000 $ 145,000 $ 834,000
Kosciusko County Indiana 1 $ 235,000 $ 235,000 $ 0
Morgan County Indiana 1 $ 285,000 $ 285,000 $ 90,000
Posey County Indiana 1 $ 395,000 $ 395,000 $ 143,000
Putnam County Indiana 1 $ 205,000 $ 205,000 $ 151,000
Shelby County Indiana 1 $ 375,000 $ 375,000 $ 160,000
St. Joseph County Indiana 1 $ 195,000 $ 195,000 $ 110,000
Wayne County Indiana 1 $ 45,000 $ 45,000 $ 47,000
White County Indiana 1 $ 155,000 $ 155,000 $ 718,000
Adair County Kentucky 1 $ 295,000 $ 295,000 $ 722,000
Allen County Kentucky 1 $ 505,000 $ 505,000 $ 855,000
Barren County Kentucky 1 $ 495,000 $ 495,000 $ 752,000
Bracken County Kentucky 1 $ 15,000 $ 15,000 $ 31,000
Carroll County Kentucky 1 $ 185,000 $ 185,000 $ 121,000
Casey County Kentucky 1 $ 385,000 $ 385,000 $ 120,000
Daviess County Kentucky 1 $ 35,000 $ 35,000 $ 47,000
Edmonson County Kentucky 1 $ 365,000 $ 365,000 $ 0
Floyd County Kentucky 1 $ 15,000 $ 15,000 $ 67,000
Laurel County Kentucky 1 $ 295,000 $ 295,000 $ 192,000
Lewis County Kentucky 1 $ 45,000 $ 45,000 $ 75,000
Livingston County Kentucky 1 $ 95,000 $ 95,000 $ 46,000
McCracken County Kentucky 1 $ 95,000 $ 95,000 $ 42,000
Owen County Kentucky 1 $ 125,000 $ 125,000 $ 33,000
Robertson County Kentucky 1 $ 35,000 $ 35,000 $ 53,000
Union County Kentucky 1 $ 95,000 $ 95,000 $ 46,000
Warren County Kentucky 1 $ 205,000 $ 205,000 $ 998,000
Emmet County Michigan 1 $ 1,505,000 $ 1,505,000 $ 0
Hennepin County Minnesota 1 $ 495,000 $ 495,000 $ 415,000
St. Louis County Minnesota 1 $ 215,000 $ 215,000 $ 90,000
DeSoto County Mississippi 1 $ 635,000 $ 635,000 $ 356,000
Lafayette County Missouri 1 $ 275,000 $ 275,000 $ 31,000
St. Louis County Missouri 1 $ 65,000 $ 65,000 $ 70,000
Chowan County North Carolina 1 $ 605,000 $ 605,000 $ 469,000
Jackson County North Carolina 1 $ 1,855,000 $ 1,855,000 $ 0
Johnston County North Carolina 1 $ 105,000 $ 105,000 $ 94,000
Mecklenburg County North Carolina 1 $ 205,000 $ 205,000 $ 53,000
Brown County Ohio 1 $ 105,000 $ 105,000 $ 160,000
Clark County Ohio 1 $ 205,000 $ 205,000 $ 58,000
Hardin County Ohio 1 $ 155,000 $ 155,000 $ 0
Highland County Ohio 1 $ 525,000 $ 525,000 $ 0
Jefferson County Ohio 1 $ 135,000 $ 135,000 $ 61,000
Lorain County Ohio 1 $ 55,000 $ 55,000 $ 134,000
Montgomery County Pennsylvania 1 $ 325,000 $ 325,000 $ 221,000
Beaufort County South Carolina 1 $ 665,000 $ 665,000 $ 0
Berkeley County South Carolina 1 $ 245,000 $ 245,000 $ 0
Georgetown County South Carolina 1 $ 315,000 $ 315,000 $ 438,000
Pickens County South Carolina 1 $ 2,565,000 $ 2,565,000 $ 781,000
Campbell County Tennessee 1 $ 405,000 $ 405,000 $ 607,000
Grainger County Tennessee 1 $ 345,000 $ 345,000 $ 133,000
Sevier County Tennessee 1 $ 265,000 $ 265,000 $ 0
Shelby County Tennessee 1 $ 55,000 $ 55,000 $ 130,000
Warren County Tennessee 1 $ 165,000 $ 165,000 $ 112,000
Summit County Utah 1 $ 1,135,000 $ 1,135,000 $ 1,407,000
Greenbrier County West Virginia 1 $ 185,000 $ 185,000 $ 93,000
Dane County Wisconsin 1 $ 695,000 $ 695,000 $ 306,000

Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2023

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 1,611 $627,375,000 $389,000 $50,005,000 $116,000 $3,433,000
Home Improvement 710 $105,810,000 $149,000 $37,505,000 $113,000 $1,407,000
Other Purpose 582 $64,970,000 $111,000 $2,025,000 $137,000 $1,706,000
Refinancing 449 $142,105,000 $316,000 $22,005,000 $195,000 $2,692,000
Cash-out Refinancing 139 $22,925,000 $164,000 $605,000 $65,000 $348,000
Not Applicable 7 $785,000 $112,000 $225,000 $31,000 $31,000

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 2,283 $418,535,000 $183,000 $2,755,000 $128,000 $3,433,000
Not Provided 426 $61,950,000 $145,000 $1,365,000 $146,000 $1,706,000
Not applicable 338 $400,160,000 $1,183,000 $50,005,000 $0 $0
Black or African American 230 $32,700,000 $142,000 $1,625,000 $84,000 $1,449,000
Hispanic 149 $25,525,000 $171,000 $555,000 $64,000 $325,000
Asian 50 $18,010,000 $360,000 $2,145,000 $190,000 $1,407,000
American Indian or Alaskan Native 9 $1,895,000 $210,000 $385,000 $61,000 $154,000
Native Hawaiian or Other Pacific Islander 5 $505,000 $101,000 $185,000 $60,000 $162,000

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) 3,244 $910,440,000 $280,000 $50,005,000 $129,000 $3,433,000
FHA-insured (Federal Housing Administration) 196 $38,280,000 $195,000 $455,000 $79,000 $283,000
VA-guaranteed (Veterans Administration) 34 $10,670,000 $313,000 $1,625,000 $106,000 $481,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 24 $4,580,000 $190,000 $285,000 $68,000 $95,000

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 2,263 $716,325,000 $316,000 $50,005,000 $147,000 $3,433,000
Application Denied By Financial Institution 759 $108,405,000 $142,000 $23,005,000 $73,000 $1,706,000
Application Withdrawn By Applicant 396 $111,430,000 $281,000 $6,505,000 $116,000 $1,416,000
Application Approved But Not Accepted 30 $20,210,000 $673,000 $11,745,000 $118,000 $734,000
File Closed For Incompleteness 29 $4,195,000 $144,000 $355,000 $58,000 $207,000
Loan Purchased By The Institution 20 $3,090,000 $154,000 $445,000 $0 $0
Preapproval Denied by Financial Institution 1 $315,000 $315,000 $315,000 $56,000 $56,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

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 2,738 $855,250,000 $312,000 $50,005,000 $142,000 $3,433,000
Debt-To-Income Ratio 284 $42,200,000 $148,000 $2,005,000 $61,000 $279,000
Credit History 282 $20,650,000 $73,000 $1,075,000 $80,000 $1,706,000
Collateral 81 $31,845,000 $393,000 $23,005,000 $84,000 $326,000
Credit Application Incomplete 46 $5,900,000 $128,000 $2,205,000 $81,000 $192,000
Other 37 $3,935,000 $106,000 $295,000 $77,000 $432,000
Employment History 14 $1,860,000 $132,000 $275,000 $64,000 $137,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,395,000 $155,000 $305,000 $58,000 $153,000
Unverifiable Information 7 $935,000 $133,000 $215,000 $70,000 $125,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2023 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.
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