Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2025
In 2025, Stock Yards Bank & Trust Company of Louisville, KY reported 3,767 mortgage applications totaling $1.0 billion, up 9% from 2024. The average application was for $267,179, and applicants reported an average income of $149,637. 67% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,314), Lexington-Fayette, KY (544) and Cincinnati, OH-KY-IN (240) (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 | 3,767 |
| Total Mortgage Loan Application Amount | $1,006,465,000 |
| Average Mortgage Loan Application Amount | $267,179 |
| Highest Mortgage Loan Application Amount | $35,205,000 |
| Average Applicant Income | $149,637 |
| Highest Applicant Income | $7,825,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville/Jefferson County, KY-IN | 2,314 | $ 538,050,000 | $ 232,519 | $ 137,525 |
| Lexington-Fayette, KY | 544 | $ 131,260,000 | $ 241,286 | $ 138,000 |
| Outside any metro area | 413 | $ 143,225,000 | $ 346,791 | $ 119,581 |
| Cincinnati, OH-KY-IN | 240 | $ 76,250,000 | $ 317,708 | $ 248,933 |
| Indianapolis-Carmel-Anderson, IN | 140 | $ 51,710,000 | $ 369,357 | $ 214,000 |
| Elizabethtown-Fort Knox, KY | 29 | $ 5,055,000 | $ 174,310 | $ 111,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 1,290,000 | $ 129,000 | $ 83,000 |
| Cape Coral-Fort Myers, FL | 9 | $ 5,875,000 | $ 652,777 | $ 576,000 |
| Bowling Green, KY | 6 | $ 1,430,000 | $ 238,333 | $ 246,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,905,000 | $ 581,000 | $ 571,000 |
| Dayton-Springfield-Kettering, OH | 4 | $ 1,990,000 | $ 497,500 | $ 163,000 |
| Knoxville, TN | 4 | $ 1,180,000 | $ 295,000 | $ 515,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 2,610,000 | $ 652,500 | $ 242,000 |
| Bloomington, IN | 3 | $ 885,000 | $ 295,000 | $ 175,000 |
| Columbus, IN | 3 | $ 1,665,000 | $ 555,000 | $ 1,258,000 |
| Columbus, OH | 3 | $ 1,295,000 | $ 431,666 | $ 177,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 845,000 | $ 281,666 | $ 458,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 2,235,000 | $ 745,000 | $ 323,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 3,385,000 | $ 1,128,333 | $ 1,043,000 |
| Akron, OH | 2 | $ 570,000 | $ 285,000 | $ 141,000 |
| Chicago-Naperville, IL | 2 | $ 960,000 | $ 480,000 | $ 165,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 800,000 | $ 400,000 | $ 145,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 810,000 | $ 405,000 | $ 422,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 1,550,000 | $ 775,000 | $ 238,000 |
| Punta Gorda, FL | 2 | $ 340,000 | $ 170,000 | $ 373,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 23,505,000 | $ 23,505,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 525,000 | $ 525,000 | $ 199,000 |
| Clarksville, TN-KY | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 95,000 | $ 95,000 | $ 130,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 375,000 | $ 375,000 | $ 100,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 575,000 | $ 575,000 | $ 364,000 |
| Lafayette-West Lafayette, IN | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Muncie, IN | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 1,125,000 | $ 1,125,000 | $ 209,000 |
| Niles-Benton Harbor, MI | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Owensboro, KY | 1 | $ 305,000 | $ 305,000 | $ 148,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 415,000 | $ 415,000 | $ 119,000 |
| Port St. Lucie, FL | 1 | $ 195,000 | $ 195,000 | $ 478,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 325,000 | $ 325,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2025
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 | 1,779 | $626,665,000 | $352,000 | $35,205,000 | $132,000 | $2,320,000 |
| Home Improvement | 721 | $107,675,000 | $149,000 | $15,005,000 | $140,000 | $7,825,000 |
| Refinancing | 601 | $180,215,000 | $299,000 | $13,005,000 | $217,000 | $5,145,000 |
| Other Purpose | 576 | $72,910,000 | $126,000 | $1,495,000 | $148,000 | $1,908,000 |
| Cash-out Refinancing | 83 | $18,225,000 | $219,000 | $785,000 | $135,000 | $2,094,000 |
| Not Applicable | 7 | $775,000 | $110,000 | $235,000 | $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 | 2,627 | $548,955,000 | $208,000 | $5,835,000 | $160,000 | $7,825,000 |
| Hispanic | 420 | $63,790,000 | $151,000 | $1,205,000 | $74,000 | $1,446,000 |
| Not applicable | 302 | $309,230,000 | $1,023,000 | $35,205,000 | $0 | $0 |
| Black or African American | 206 | $25,090,000 | $121,000 | $1,505,000 | $86,000 | $2,279,000 |
| Not Provided | 158 | $41,110,000 | $260,000 | $2,485,000 | $231,000 | $2,068,000 |
| Asian | 50 | $17,620,000 | $352,000 | $1,785,000 | $212,000 | $949,000 |
| American Indian or Alaskan Native | 3 | $545,000 | $181,000 | $485,000 | $83,000 | $155,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $48,000 | $48,000 |
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) | 3,503 | $942,885,000 | $269,000 | $35,205,000 | $153,000 | $7,825,000 |
| FHA-insured (Federal Housing Administration) | 204 | $46,300,000 | $226,000 | $485,000 | $87,000 | $510,000 |
| VA-guaranteed (Veterans Administration) | 43 | $13,445,000 | $312,000 | $765,000 | $121,000 | $515,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $3,835,000 | $225,000 | $285,000 | $91,000 | $116,000 |
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 | 2,539 | $735,995,000 | $289,000 | $35,205,000 | $162,000 | $5,145,000 |
| Application Denied By Financial Institution | 707 | $93,695,000 | $132,000 | $4,885,000 | $118,000 | $7,825,000 |
| Application Withdrawn By Applicant | 434 | $148,260,000 | $341,000 | $13,005,000 | $124,000 | $1,840,000 |
| File Closed For Incompleteness | 38 | $13,710,000 | $360,000 | $5,835,000 | $158,000 | $1,757,000 |
| Application Approved But Not Accepted | 36 | $12,690,000 | $352,000 | $3,585,000 | $150,000 | $462,000 |
| Loan Purchased By The Institution | 12 | $1,470,000 | $122,000 | $285,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $645,000 | $645,000 | $645,000 | $847,000 | $847,000 |
| Preapproval Denied by Financial Institution | 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 | 3,060 | $912,770,000 | $298,000 | $35,205,000 | $157,000 | $5,145,000 |
| Debt-To-Income Ratio | 267 | $38,085,000 | $142,000 | $1,125,000 | $64,000 | $250,000 |
| Credit History | 251 | $20,085,000 | $80,000 | $355,000 | $117,000 | $2,094,000 |
| Collateral | 66 | $10,220,000 | $154,000 | $755,000 | $124,000 | $931,000 |
| Other | 45 | $9,175,000 | $203,000 | $1,505,000 | $198,000 | $2,279,000 |
| Credit Application Incomplete | 34 | $10,570,000 | $310,000 | $4,885,000 | $537,000 | $7,825,000 |
| Employment History | 18 | $1,910,000 | $106,000 | $255,000 | $57,000 | $109,000 |
| Unverifiable Information | 14 | $1,650,000 | $117,000 | $405,000 | $76,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,000,000 | $166,000 | $325,000 | $65,000 | $99,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2025 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About