In 2023, Stock Yards Bank & Trust Company of Louisville, KY reported 3,498 mortgage applications totaling $964.0 million, down 12% from 2022. The average application was for $275,577, and applicants reported an average income of $126,828. 65% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,991), Lexington-Fayette, KY (434) and Cincinnati, OH-KY-IN (221) (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 | 3,498 |
| Total Mortgage Loan Application Amount | $963,970,000 |
| Average Mortgage Loan Application Amount | $275,577 |
| Highest Mortgage Loan Application Amount | $50,005,000 |
| Average Applicant Income | $126,828 |
| Highest Applicant Income | $3,433,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,276 | $ 326,500,000 | $ 255,877 | $ 130,000 |
| Bullitt, Kentucky | 163 | $ 22,385,000 | $ 137,331 | $ 78,000 |
| Fayette, Kentucky | 148 | $ 50,750,000 | $ 342,905 | $ 179,000 |
| Oldham, Kentucky | 142 | $ 28,930,000 | $ 203,732 | $ 153,000 |
| Clark, Indiana | 131 | $ 19,115,000 | $ 145,916 | $ 72,000 |
| Marion, Indiana | 127 | $ 82,655,000 | $ 650,826 | $ 116,000 |
| Shelby, Kentucky | 122 | $ 25,190,000 | $ 206,475 | $ 130,000 |
| Hamilton, Ohio | 109 | $ 68,925,000 | $ 632,339 | $ 160,000 |
| Floyd, Indiana | 95 | $ 14,125,000 | $ 148,684 | $ 82,000 |
| Madison, Kentucky | 94 | $ 22,230,000 | $ 236,489 | $ 100,000 |
| Bourbon, Kentucky | 93 | $ 10,425,000 | $ 112,096 | $ 85,000 |
| Clark, Kentucky | 77 | $ 9,105,000 | $ 118,246 | $ 82,000 |
| Harrison, Kentucky | 61 | $ 4,975,000 | $ 81,557 | $ 71,000 |
| Hardin, Kentucky | 60 | $ 14,260,000 | $ 237,666 | $ 73,000 |
| Scott, Kentucky | 58 | $ 8,020,000 | $ 138,275 | $ 94,000 |
| Rowan, Kentucky | 56 | $ 4,920,000 | $ 87,857 | $ 87,000 |
| Nelson, Kentucky | 49 | $ 6,505,000 | $ 132,755 | $ 73,000 |
| Kenton, Kentucky | 37 | $ 10,985,000 | $ 296,891 | $ 240,000 |
| Hamilton, Indiana | 35 | $ 19,345,000 | $ 552,714 | $ 384,000 |
| Jessamine, Kentucky | 35 | $ 7,045,000 | $ 201,285 | $ 175,000 |
| Boone, Kentucky | 28 | $ 6,150,000 | $ 219,642 | $ 235,000 |
| Henry, Kentucky | 27 | $ 3,775,000 | $ 139,814 | $ 68,000 |
| Spencer, Kentucky | 25 | $ 4,445,000 | $ 177,800 | $ 101,000 |
| Scott, Indiana | 24 | $ 2,360,000 | $ 98,333 | $ 63,000 |
| Campbell, Kentucky | 23 | $ 7,535,000 | $ 327,608 | $ 202,000 |
| Woodford, Kentucky | 23 | $ 2,665,000 | $ 115,869 | $ 94,000 |
| Montgomery, Kentucky | 19 | $ 2,685,000 | $ 141,315 | $ 72,000 |
| Franklin, Kentucky | 15 | $ 2,515,000 | $ 167,666 | $ 87,000 |
| Grayson, Kentucky | 13 | $ 2,305,000 | $ 177,307 | $ 98,000 |
| Hendricks, Indiana | 12 | $ 3,480,000 | $ 290,000 | $ 281,000 |
| Johnson, Indiana | 12 | $ 4,980,000 | $ 415,000 | $ 201,000 |
| Madison, Indiana | 9 | $ 1,455,000 | $ 161,666 | $ 81,000 |
| Garrard, Kentucky | 9 | $ 1,325,000 | $ 147,222 | $ 61,000 |
| Nicholas, Kentucky | 9 | $ 715,000 | $ 79,444 | $ 68,000 |
| Bath, Kentucky | 8 | $ 820,000 | $ 102,500 | $ 49,000 |
| Butler, Ohio | 8 | $ 3,480,000 | $ 435,000 | $ 148,000 |
| Harrison, Indiana | 7 | $ 1,355,000 | $ 193,571 | $ 88,000 |
| Meade, Kentucky | 7 | $ 1,025,000 | $ 146,428 | $ 73,000 |
| Clermont, Ohio | 7 | $ 2,925,000 | $ 417,857 | $ 307,000 |
| Howard, Indiana | 6 | $ 940,000 | $ 156,666 | $ 60,000 |
| Carter, Kentucky | 6 | $ 610,000 | $ 101,666 | $ 105,000 |
| Fleming, Kentucky | 6 | $ 830,000 | $ 138,333 | $ 87,000 |
| Mercer, Kentucky | 6 | $ 760,000 | $ 126,666 | $ 119,000 |
| Boone, Indiana | 5 | $ 2,405,000 | $ 481,000 | $ 403,000 |
| Anderson, Kentucky | 5 | $ 1,085,000 | $ 217,000 | $ 115,000 |
| Boyle, Kentucky | 5 | $ 2,625,000 | $ 525,000 | $ 47,000 |
| Breckinridge, Kentucky | 5 | $ 395,000 | $ 79,000 | $ 51,000 |
| Rockcastle, Kentucky | 5 | $ 345,000 | $ 69,000 | $ 57,000 |
| LaGrange, Indiana | 4 | $ 1,980,000 | $ 495,000 | $ 0 |
| Estill, Kentucky | 4 | $ 720,000 | $ 180,000 | $ 158,000 |
| Larue, Kentucky | 4 | $ 970,000 | $ 242,500 | $ 65,000 |
| Mason, Kentucky | 4 | $ 360,000 | $ 90,000 | $ 103,000 |
| Morgan, Kentucky | 4 | $ 270,000 | $ 67,500 | $ 49,000 |
| Trimble, Kentucky | 4 | $ 490,000 | $ 122,500 | $ 67,000 |
| Washington, Kentucky | 4 | $ 440,000 | $ 110,000 | $ 70,000 |
| Greene, Ohio | 4 | $ 1,130,000 | $ 282,500 | $ 157,000 |
| Montgomery, Ohio | 4 | $ 22,840,000 | $ 5,710,000 | $ 145,000 |
| Collier, Florida | 3 | $ 4,485,000 | $ 1,495,000 | $ 365,000 |
| Palm Beach, Florida | 3 | $ 1,655,000 | $ 551,666 | $ 411,000 |
| Delaware, Indiana | 3 | $ 395,000 | $ 131,666 | $ 168,000 |
| Monroe, Indiana | 3 | $ 1,495,000 | $ 498,333 | $ 0 |
| Washington, Indiana | 3 | $ 525,000 | $ 175,000 | $ 77,000 |
| Elliott, Kentucky | 3 | $ 165,000 | $ 55,000 | $ 72,000 |
| Hart, Kentucky | 3 | $ 575,000 | $ 191,666 | $ 238,000 |
| Marion, Kentucky | 3 | $ 215,000 | $ 71,666 | $ 57,000 |
| Menifee, Kentucky | 3 | $ 205,000 | $ 68,333 | $ 126,000 |
| Powell, Kentucky | 3 | $ 105,000 | $ 35,000 | $ 67,000 |
| Russell, Kentucky | 3 | $ 1,005,000 | $ 335,000 | $ 220,000 |
| Summit, Ohio | 3 | $ 425,000 | $ 141,666 | $ 46,000 |
| Charleston, South Carolina | 3 | $ 2,415,000 | $ 805,000 | $ 284,000 |
| Lauderdale, Alabama | 2 | $ 3,280,000 | $ 1,640,000 | $ 0 |
| Mobile, Alabama | 2 | $ 1,550,000 | $ 775,000 | $ 0 |
| Bay, Florida | 2 | $ 380,000 | $ 190,000 | $ 127,000 |
| Lee, Florida | 2 | $ 800,000 | $ 400,000 | $ 1,157,000 |
| Sarasota, Florida | 2 | $ 620,000 | $ 310,000 | $ 197,000 |
| Volusia, Florida | 2 | $ 600,000 | $ 300,000 | $ 228,000 |
| Walton, Florida | 2 | $ 330,000 | $ 165,000 | $ 230,000 |
| Cook, Illinois | 2 | $ 800,000 | $ 400,000 | $ 340,000 |
| Bartholomew, Indiana | 2 | $ 340,000 | $ 170,000 | $ 107,000 |
| Greene, Indiana | 2 | $ 390,000 | $ 195,000 | $ 53,000 |
| Hancock, Indiana | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| Henry, Indiana | 2 | $ 540,000 | $ 270,000 | $ 129,000 |
| Lake, Indiana | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Orange, Indiana | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Tippecanoe, Indiana | 2 | $ 390,000 | $ 195,000 | $ 0 |
| Boyd, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Grant, Kentucky | 2 | $ 600,000 | $ 300,000 | $ 266,000 |
| Pendleton, Kentucky | 2 | $ 170,000 | $ 85,000 | $ 30,000 |
| Taylor, Kentucky | 2 | $ 180,000 | $ 90,000 | $ 59,000 |
| Franklin, Ohio | 2 | $ 1,670,000 | $ 835,000 | $ 651,000 |
| Warren, Ohio | 2 | $ 980,000 | $ 490,000 | $ 157,000 |
| Madison, Alabama | 1 | $ 30,005,000 | $ 30,005,000 | $ 0 |
| Brevard, Florida | 1 | $ 375,000 | $ 375,000 | $ 27,000 |
| Broward, Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Charlotte, Florida | 1 | $ 285,000 | $ 285,000 | $ 94,000 |
| Escambia, Florida | 1 | $ 155,000 | $ 155,000 | $ 18,000 |
| Miami-Dade, Florida | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Okaloosa, Florida | 1 | $ 625,000 | $ 625,000 | $ 620,000 |
| Orange, Florida | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Osceola, Florida | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Pinellas, Florida | 1 | $ 535,000 | $ 535,000 | $ 328,000 |
| Sumter, Florida | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Clayton, Georgia | 1 | $ 225,000 | $ 225,000 | $ 149,000 |
| DeKalb, Georgia | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Lowndes, Georgia | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Brown, Indiana | 1 | $ 365,000 | $ 365,000 | $ 194,000 |
| Crawford, Indiana | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Dearborn, Indiana | 1 | $ 25,000 | $ 25,000 | $ 86,000 |
| Decatur, Indiana | 1 | $ 4,805,000 | $ 4,805,000 | $ 0 |
| Jasper, Indiana | 1 | $ 145,000 | $ 145,000 | $ 834,000 |
| Kosciusko, Indiana | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Morgan, Indiana | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Posey, Indiana | 1 | $ 395,000 | $ 395,000 | $ 143,000 |
| Putnam, Indiana | 1 | $ 205,000 | $ 205,000 | $ 151,000 |
| Shelby, Indiana | 1 | $ 375,000 | $ 375,000 | $ 160,000 |
| St. Joseph, Indiana | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Wayne, Indiana | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| White, Indiana | 1 | $ 155,000 | $ 155,000 | $ 718,000 |
| Adair, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 722,000 |
| Allen, Kentucky | 1 | $ 505,000 | $ 505,000 | $ 855,000 |
| Barren, Kentucky | 1 | $ 495,000 | $ 495,000 | $ 752,000 |
| Bracken, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 31,000 |
| Carroll, Kentucky | 1 | $ 185,000 | $ 185,000 | $ 121,000 |
| Casey, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Daviess, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Edmonson, Kentucky | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Floyd, Kentucky | 1 | $ 15,000 | $ 15,000 | $ 67,000 |
| Laurel, Kentucky | 1 | $ 295,000 | $ 295,000 | $ 192,000 |
| Lewis, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 75,000 |
| Livingston, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| McCracken, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Owen, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| Robertson, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 53,000 |
| Union, Kentucky | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Warren, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 998,000 |
| Emmet, Michigan | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 495,000 | $ 495,000 | $ 415,000 |
| St. Louis, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| DeSoto, Mississippi | 1 | $ 635,000 | $ 635,000 | $ 356,000 |
| Lafayette, Missouri | 1 | $ 275,000 | $ 275,000 | $ 31,000 |
| St. Louis, Missouri | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Chowan, North Carolina | 1 | $ 605,000 | $ 605,000 | $ 469,000 |
| Jackson, North Carolina | 1 | $ 1,855,000 | $ 1,855,000 | $ 0 |
| Johnston, North Carolina | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Mecklenburg, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Brown, Ohio | 1 | $ 105,000 | $ 105,000 | $ 160,000 |
| Clark, Ohio | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Hardin, Ohio | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Highland, Ohio | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Jefferson, Ohio | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Lorain, Ohio | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Montgomery, Pennsylvania | 1 | $ 325,000 | $ 325,000 | $ 221,000 |
| Beaufort, South Carolina | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Berkeley, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Georgetown, South Carolina | 1 | $ 315,000 | $ 315,000 | $ 438,000 |
| Pickens, South Carolina | 1 | $ 2,565,000 | $ 2,565,000 | $ 781,000 |
| Campbell, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 607,000 |
| Grainger, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 133,000 |
| Sevier, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Warren, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 112,000 |
| Summit, Utah | 1 | $ 1,135,000 | $ 1,135,000 | $ 1,407,000 |
| Greenbrier, West Virginia | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
| Dane, Wisconsin | 1 | $ 695,000 | $ 695,000 | $ 306,000 |
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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