Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, Stock Yards Bank & Trust Company of Louisville, KY reported 3,447 mortgage applications totaling $1.0 billion, down 1% from 2023. The average application was for $300,715, and applicants reported an average income of $147,560. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,109), Lexington-Fayette, KY (470) and Cincinnati, OH-KY-IN (195) (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 | 3,447 |
| Total Mortgage Loan Application Amount | $1,036,565,000 |
| Average Mortgage Loan Application Amount | $300,715 |
| Highest Mortgage Loan Application Amount | $55,005,000 |
| Average Applicant Income | $147,560 |
| Highest Applicant Income | $3,900,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,363 | $ 287,155,000 | $ 210,678 | $ 138,000 |
| Fayette, Kentucky | 172 | $ 79,650,000 | $ 463,081 | $ 175,000 |
| Oldham, Kentucky | 163 | $ 40,135,000 | $ 246,226 | $ 209,000 |
| Clark, Indiana | 156 | $ 27,240,000 | $ 174,615 | $ 78,000 |
| Bullitt, Kentucky | 136 | $ 23,230,000 | $ 170,808 | $ 103,000 |
| Clark, Kentucky | 101 | $ 19,075,000 | $ 188,861 | $ 109,000 |
| Shelby, Kentucky | 97 | $ 48,165,000 | $ 496,546 | $ 180,000 |
| Floyd, Indiana | 93 | $ 17,385,000 | $ 186,935 | $ 105,000 |
| Madison, Kentucky | 93 | $ 42,095,000 | $ 452,634 | $ 113,000 |
| Marion, Indiana | 92 | $ 36,370,000 | $ 395,326 | $ 121,000 |
| Hamilton, Ohio | 88 | $ 30,840,000 | $ 350,454 | $ 259,000 |
| Bourbon, Kentucky | 81 | $ 13,705,000 | $ 169,197 | $ 98,000 |
| Harrison, Kentucky | 70 | $ 6,350,000 | $ 90,714 | $ 79,000 |
| Scott, Kentucky | 63 | $ 10,215,000 | $ 162,142 | $ 102,000 |
| Rowan, Kentucky | 49 | $ 7,265,000 | $ 148,265 | $ 99,000 |
| Kenton, Kentucky | 43 | $ 9,985,000 | $ 232,209 | $ 233,000 |
| Nelson, Kentucky | 37 | $ 5,135,000 | $ 138,783 | $ 78,000 |
| Hardin, Kentucky | 32 | $ 6,450,000 | $ 201,562 | $ 130,000 |
| Jessamine, Kentucky | 30 | $ 8,250,000 | $ 275,000 | $ 145,000 |
| Woodford, Kentucky | 23 | $ 4,195,000 | $ 182,391 | $ 137,000 |
| Montgomery, Kentucky | 22 | $ 3,130,000 | $ 142,272 | $ 86,000 |
| Spencer, Kentucky | 22 | $ 4,300,000 | $ 195,454 | $ 125,000 |
| Hendricks, Indiana | 18 | $ 3,220,000 | $ 178,888 | $ 129,000 |
| Henry, Kentucky | 18 | $ 2,990,000 | $ 166,111 | $ 89,000 |
| Hamilton, Indiana | 16 | $ 5,940,000 | $ 371,250 | $ 673,000 |
| Scott, Indiana | 16 | $ 1,850,000 | $ 115,625 | $ 58,000 |
| Boone, Kentucky | 16 | $ 4,040,000 | $ 252,500 | $ 196,000 |
| Campbell, Kentucky | 15 | $ 3,945,000 | $ 263,000 | $ 172,000 |
| Johnson, Indiana | 12 | $ 3,860,000 | $ 321,666 | $ 216,000 |
| Grayson, Kentucky | 12 | $ 3,610,000 | $ 300,833 | $ 141,000 |
| Meade, Kentucky | 12 | $ 2,250,000 | $ 187,500 | $ 116,000 |
| Boone, Indiana | 10 | $ 4,660,000 | $ 466,000 | $ 370,000 |
| Harrison, Indiana | 10 | $ 1,740,000 | $ 174,000 | $ 74,000 |
| Nicholas, Kentucky | 10 | $ 1,350,000 | $ 135,000 | $ 76,000 |
| Butler, Ohio | 9 | $ 3,045,000 | $ 338,333 | $ 261,000 |
| Clermont, Ohio | 9 | $ 9,465,000 | $ 1,051,666 | $ 428,000 |
| Elliott, Kentucky | 8 | $ 1,340,000 | $ 167,500 | $ 133,000 |
| Anderson, Kentucky | 7 | $ 1,295,000 | $ 185,000 | $ 75,000 |
| Bath, Kentucky | 7 | $ 615,000 | $ 87,857 | $ 86,000 |
| Franklin, Kentucky | 7 | $ 1,655,000 | $ 236,428 | $ 74,000 |
| Garrard, Kentucky | 7 | $ 1,145,000 | $ 163,571 | $ 96,000 |
| Grant, Kentucky | 6 | $ 620,000 | $ 103,333 | $ 512,000 |
| Trimble, Kentucky | 6 | $ 860,000 | $ 143,333 | $ 91,000 |
| Jefferson, Indiana | 5 | $ 675,000 | $ 135,000 | $ 106,000 |
| Madison, Indiana | 5 | $ 425,000 | $ 85,000 | $ 56,000 |
| Boyle, Kentucky | 5 | $ 3,735,000 | $ 747,000 | $ 43,000 |
| Carter, Kentucky | 5 | $ 835,000 | $ 167,000 | $ 94,000 |
| Mercer, Kentucky | 5 | $ 1,335,000 | $ 267,000 | $ 122,000 |
| Lee, Florida | 4 | $ 1,150,000 | $ 287,500 | $ 244,000 |
| Sarasota, Florida | 4 | $ 4,450,000 | $ 1,112,500 | $ 519,000 |
| Pulaski, Kentucky | 4 | $ 600,000 | $ 150,000 | $ 104,000 |
| Whitley, Kentucky | 4 | $ 190,000 | $ 47,500 | $ 61,000 |
| Warren, Ohio | 4 | $ 1,960,000 | $ 490,000 | $ 831,000 |
| Hillsborough, Florida | 3 | $ 1,115,000 | $ 371,666 | $ 205,000 |
| Pinellas, Florida | 3 | $ 705,000 | $ 235,000 | $ 334,000 |
| Walton, Florida | 3 | $ 1,445,000 | $ 481,666 | $ 359,000 |
| Breckinridge, Kentucky | 3 | $ 175,000 | $ 58,333 | $ 94,000 |
| Lewis, Kentucky | 3 | $ 435,000 | $ 145,000 | $ 78,000 |
| Marion, Kentucky | 3 | $ 105,000 | $ 35,000 | $ 87,000 |
| Morgan, Kentucky | 3 | $ 285,000 | $ 95,000 | $ 82,000 |
| Washington, Kentucky | 3 | $ 375,000 | $ 125,000 | $ 68,000 |
| Okaloosa, Florida | 2 | $ 3,770,000 | $ 1,885,000 | $ 0 |
| DuPage, Illinois | 2 | $ 1,680,000 | $ 840,000 | $ 390,000 |
| Bartholomew, Indiana | 2 | $ 870,000 | $ 435,000 | $ 1,880,000 |
| Brown, Indiana | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Crawford, Indiana | 2 | $ 310,000 | $ 155,000 | $ 51,000 |
| Hancock, Indiana | 2 | $ 1,970,000 | $ 985,000 | $ 3,689,000 |
| Jackson, Indiana | 2 | $ 10,760,000 | $ 5,380,000 | $ 109,000 |
| Knox, Indiana | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Monroe, Indiana | 2 | $ 28,470,000 | $ 14,235,000 | $ 136,000 |
| Orange, Indiana | 2 | $ 320,000 | $ 160,000 | $ 41,000 |
| Tippecanoe, Indiana | 2 | $ 500,000 | $ 250,000 | $ 94,000 |
| Washington, Indiana | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Allen, Kentucky | 2 | $ 830,000 | $ 415,000 | $ 348,000 |
| Barren, Kentucky | 2 | $ 210,000 | $ 105,000 | $ 54,000 |
| Bracken, Kentucky | 2 | $ 560,000 | $ 280,000 | $ 234,000 |
| Daviess, Kentucky | 2 | $ 720,000 | $ 360,000 | $ 77,000 |
| Edmonson, Kentucky | 2 | $ 420,000 | $ 210,000 | $ 249,000 |
| Gallatin, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Hart, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 120,000 |
| Lee, Kentucky | 2 | $ 110,000 | $ 55,000 | $ 356,000 |
| Lyon, Kentucky | 2 | $ 1,630,000 | $ 815,000 | $ 617,000 |
| Menifee, Kentucky | 2 | $ 290,000 | $ 145,000 | $ 46,000 |
| Powell, Kentucky | 2 | $ 160,000 | $ 80,000 | $ 57,000 |
| Robertson, Kentucky | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| Warren, Kentucky | 2 | $ 55,280,000 | $ 27,640,000 | $ 134,000 |
| Emmet, Michigan | 2 | $ 2,010,000 | $ 1,005,000 | $ 2,152,000 |
| Franklin, Ohio | 2 | $ 15,180,000 | $ 7,590,000 | $ 301,000 |
| Greene, Ohio | 2 | $ 6,720,000 | $ 3,360,000 | $ 60,000 |
| Morrow, Ohio | 2 | $ 230,000 | $ 115,000 | $ 660,000 |
| Campbell, Tennessee | 2 | $ 610,000 | $ 305,000 | $ 246,000 |
| Sevier, Tennessee | 2 | $ 5,950,000 | $ 2,975,000 | $ 0 |
| Salt Lake, Utah | 2 | $ 1,310,000 | $ 655,000 | $ 353,000 |
| Albemarle, Virginia | 2 | $ 1,310,000 | $ 655,000 | $ 182,000 |
| Lee, Alabama | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| La Plata, Colorado | 1 | $ 545,000 | $ 545,000 | $ 455,000 |
| Collier, Florida | 1 | $ 605,000 | $ 605,000 | $ 1,092,000 |
| Martin, Florida | 1 | $ 345,000 | $ 345,000 | $ 330,000 |
| Osceola, Florida | 1 | $ 3,325,000 | $ 3,325,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 11,505,000 | $ 11,505,000 | $ 0 |
| St. Johns, Florida | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Volusia, Florida | 1 | $ 275,000 | $ 275,000 | $ 163,000 |
| Rabun, Georgia | 1 | $ 1,315,000 | $ 1,315,000 | $ 0 |
| Clinton, Indiana | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Howard, Indiana | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Jennings, Indiana | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Kosciusko, Indiana | 1 | $ 255,000 | $ 255,000 | $ 147,000 |
| Morgan, Indiana | 1 | $ 55,000 | $ 55,000 | $ 226,000 |
| Owen, Indiana | 1 | $ 1,045,000 | $ 1,045,000 | $ 0 |
| Vanderburgh, Indiana | 1 | $ 465,000 | $ 465,000 | $ 338,000 |
| Warrick, Indiana | 1 | $ 29,255,000 | $ 29,255,000 | $ 0 |
| Wichita, Kansas | 1 | $ 105,000 | $ 105,000 | $ 49,000 |
| Boyd, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Carroll, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Fleming, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 67,000 |
| Green, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 187,000 |
| Greenup, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Henderson, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 37,000 |
| Johnson, Kentucky | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Knox, Kentucky | 1 | $ 965,000 | $ 965,000 | $ 0 |
| Larue, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Laurel, Kentucky | 1 | $ 245,000 | $ 245,000 | $ 282,000 |
| Lincoln, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| McCreary, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Rockcastle, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Wayne, Kentucky | 1 | $ 305,000 | $ 305,000 | $ 290,000 |
| Wolfe, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 150,000 |
| DeSoto, Mississippi | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 565,000 | $ 565,000 | $ 321,000 |
| Brown, Ohio | 1 | $ 755,000 | $ 755,000 | $ 1,470,000 |
| Cuyahoga, Ohio | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Licking, Ohio | 1 | $ 35,000 | $ 35,000 | $ 33,000 |
| Montgomery, Ohio | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Trumbull, Ohio | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Beaufort, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 2,955,000 | $ 2,955,000 | $ 3,039,000 |
| Horry, South Carolina | 1 | $ 455,000 | $ 455,000 | $ 302,000 |
| Oconee, South Carolina | 1 | $ 725,000 | $ 725,000 | $ 739,000 |
| Davidson, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 494,000 |
| Franklin, Tennessee | 1 | $ 1,865,000 | $ 1,865,000 | $ 577,000 |
| Knox, Tennessee | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 13,155,000 | $ 13,155,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 555,000 | $ 555,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2024
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 | 1,570 | $668,200,000 | $425,000 | $55,005,000 | $126,000 | $3,039,000 |
| Home Improvement | 675 | $91,545,000 | $135,000 | $15,565,000 | $144,000 | $3,900,000 |
| Other Purpose | 589 | $84,055,000 | $142,000 | $5,005,000 | $168,000 | $3,689,000 |
| Refinancing | 512 | $173,390,000 | $338,000 | $15,005,000 | $205,000 | $3,451,000 |
| Cash-out Refinancing | 97 | $18,885,000 | $194,000 | $485,000 | $94,000 | $720,000 |
| Not Applicable | 4 | $490,000 | $122,000 | $165,000 | $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 | 2,477 | $479,845,000 | $193,000 | $5,005,000 | $155,000 | $3,900,000 |
| Not applicable | 335 | $441,325,000 | $1,317,000 | $55,005,000 | $0 | $0 |
| Black or African American | 197 | $26,765,000 | $135,000 | $755,000 | $78,000 | $1,109,000 |
| Hispanic | 190 | $30,480,000 | $160,000 | $725,000 | $68,000 | $675,000 |
| Not Provided | 170 | $36,580,000 | $215,000 | $1,205,000 | $172,000 | $1,584,000 |
| Asian | 64 | $19,580,000 | $305,000 | $1,505,000 | $225,000 | $3,046,000 |
| American Indian or Alaskan Native | 11 | $1,555,000 | $141,000 | $305,000 | $80,000 | $226,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $175,000 | $1,374,000 | $2,698,000 |
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) | 3,219 | $981,265,000 | $304,000 | $55,005,000 | $152,000 | $3,900,000 |
| FHA-insured (Federal Housing Administration) | 185 | $42,655,000 | $230,000 | $495,000 | $86,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 38 | $11,680,000 | $307,000 | $765,000 | $108,000 | $525,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $965,000 | $193,000 | $225,000 | $71,000 | $100,000 |
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 | 2,255 | $779,985,000 | $345,000 | $55,005,000 | $160,000 | $3,689,000 |
| Application Denied By Financial Institution | 734 | $115,060,000 | $156,000 | $12,055,000 | $111,000 | $3,900,000 |
| Application Withdrawn By Applicant | 368 | $120,600,000 | $327,000 | $11,505,000 | $144,000 | $2,120,000 |
| Application Approved But Not Accepted | 37 | $10,015,000 | $270,000 | $2,805,000 | $239,000 | $1,287,000 |
| File Closed For Incompleteness | 29 | $6,395,000 | $220,000 | $1,365,000 | $134,000 | $864,000 |
| Loan Purchased By The Institution | 18 | $2,890,000 | $160,000 | $315,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 4 | $730,000 | $182,000 | $275,000 | $51,000 | $63,000 |
| Preapproval Approved but not Accepted | 2 | $890,000 | $445,000 | $755,000 | $176,000 | $293,000 |
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 | 2,709 | $920,775,000 | $339,000 | $55,005,000 | $159,000 | $3,689,000 |
| Debt-To-Income Ratio | 287 | $43,105,000 | $150,000 | $2,445,000 | $71,000 | $638,000 |
| Credit History | 266 | $27,250,000 | $102,000 | $3,195,000 | $130,000 | $3,900,000 |
| Collateral | 58 | $8,130,000 | $140,000 | $1,235,000 | $152,000 | $881,000 |
| Credit Application Incomplete | 44 | $12,800,000 | $290,000 | $8,075,000 | $229,000 | $1,500,000 |
| Other | 41 | $6,805,000 | $165,000 | $655,000 | $100,000 | $395,000 |
| Employment History | 26 | $3,080,000 | $118,000 | $315,000 | $80,000 | $469,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $14,480,000 | $1,206,000 | $12,055,000 | $133,000 | $600,000 |
| Unverifiable Information | 4 | $140,000 | $35,000 | $55,000 | $91,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2024 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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