Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2003
In 2003, Stock Yards Bank & Trust Company of Louisville, KY reported 3,158 mortgage applications totaling $373.9 million. The average application was for $118,384, and applicants reported an average income of $56,694. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Louisville, KY-IN (2,652), Indianapolis, IN (12) and Lexington, KY (7) (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 | 3,158 |
| Total Mortgage Loan Application Amount | $373,858,000 |
| Average Mortgage Loan Application Amount | $118,384 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $56,694 |
| Highest Applicant Income | $6,333,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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, KY-IN | 2,652 | $ 314,141,000 | $ 118,454 | $ 48,000 |
| Indianapolis, IN | 12 | $ 3,552,000 | $ 296,000 | $ 463,000 |
| Lexington, KY | 7 | $ 805,000 | $ 115,000 | $ 29,000 |
| Atlanta, GA | 3 | $ 1,226,000 | $ 408,666 | $ 54,000 |
| Sarasota-Bradenton, FL | 3 | $ 910,000 | $ 303,333 | $ 202,000 |
| Knoxville, TN | 2 | $ 190,000 | $ 95,000 | $ 36,000 |
| Bloomington, IN | 1 | $ 378,000 | $ 378,000 | $ 0 |
| Fort Lauderdale, FL | 1 | $ 350,000 | $ 350,000 | $ 514,000 |
| Fort Myers-Cape Coral, FL | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Mobile, AL | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Naples, FL | 1 | $ 145,000 | $ 145,000 | $ 160,000 |
| Orlando, FL | 1 | $ 125,000 | $ 125,000 | $ 178,000 |
| West Palm Beach-Boca Raton, FL | 1 | $ 169,000 | $ 169,000 | $ 162,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 2,044 | $257,357,000 | $237,666 | $1,000,000 | $245,166 | $6,333,000 |
| Home Purchase (one-to-four family) | 831 | $102,801,000 | $272,000 | $1,095,000 | $99,000 | $1,197,000 |
| Home Improvement (one-to-four family) | 255 | $4,821,000 | $31,000 | $310,000 | $254,500 | $875,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 28 | $8,879,000 | $343,500 | $1,505,000 | $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 | 2,676 | $315,020,000 | $243,125 | $1,095,000 | $306,875 | $6,333,000 |
| Information not provided by applicant in mail or telephone application | 188 | $22,102,000 | $171,750 | $858,000 | $167,750 | $1,900,000 |
| Not applicable | 125 | $19,096,000 | $154,000 | $1,505,000 | $250 | $23,000 |
| Black | 97 | $8,764,000 | $113,000 | $490,000 | $70,500 | $456,000 |
| Asian or Pacific Islander | 35 | $4,605,000 | $131,000 | $323,000 | $37,000 | $245,000 |
| Hispanic | 21 | $2,400,000 | $93,500 | $323,000 | $63,500 | $300,000 |
| Other | 10 | $1,273,000 | $127,000 | $323,000 | $109,000 | $314,000 |
| American Indian or Alaskan Native | 6 | $598,000 | $99,000 | $159,000 | $40,000 | $58,000 |
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) | 2,846 | $340,099,000 | $236,555 | $1,505,000 | $269,888 | $6,333,000 |
| FHA-insured (Federal Housing Administration) | 243 | $25,557,000 | $106,000 | $200,000 | $38,000 | $192,000 |
| VA-guaranteed (Veterans Administration) | 65 | $7,752,000 | $115,500 | $203,000 | $32,500 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $450,000 | $112,000 | $174,000 | $33,000 | $57,000 |
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 | 2,511 | $304,243,000 | $268,375 | $1,505,000 | $298,125 | $6,333,000 |
| Application Withdrawn By Applicant | 340 | $38,997,000 | $106,000 | $745,000 | $52,750 | $576,000 |
| Application Denied By Financial Institution | 216 | $19,954,000 | $93,500 | $1,000,000 | $42,500 | $287,000 |
| Application Approved But Not Accepted | 48 | $5,803,000 | $115,500 | $322,000 | $54,500 | $255,000 |
| File Closed For Incompleteness | 43 | $4,861,000 | $102,500 | $280,000 | $45,500 | $194,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 55 | $6,304,000 | $113,000 | $550,000 | $38,000 | $287,000 |
| Credit History | 47 | $4,424,000 | $93,500 | $226,000 | $46,500 | $90,000 |
| Other | 28 | $2,934,000 | $110,500 | $220,000 | $39,000 | $144,000 |
| Collateral | 11 | $983,000 | $120,000 | $203,000 | $64,500 | $101,000 |
| Credit Application Incomplete | 8 | $1,120,000 | $140,000 | $300,000 | $56,000 | $190,000 |
| Unverifiable Information | 2 | $142,000 | $71,000 | $110,000 | $27,000 | $34,000 |
| Employment History | 2 | $200,000 | $100,000 | $159,000 | $31,000 | $34,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2003 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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with aggregated HMDA statistics today.
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