Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2004
In 2004, Stock Yards Bank & Trust Company of Louisville, KY reported 1,633 mortgage applications totaling $209.3 million, down 48% from 2003. The average application was for $128,155, and applicants reported an average income of $64,489. 75% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Louisville, KY-IN (1,309), Elizabethtown, KY (64) and Indianapolis, IN (21) (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 | 1,633 |
| Total Mortgage Loan Application Amount | $209,278,000 |
| Average Mortgage Loan Application Amount | $128,155 |
| Highest Mortgage Loan Application Amount | $3,600,000 |
| Average Applicant Income | $64,489 |
| Highest Applicant Income | $2,400,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,309 | $ 165,252,000 | $ 126,242 | $ 61,000 |
| Elizabethtown, KY | 64 | $ 8,804,000 | $ 137,562 | $ 56,000 |
| Indianapolis, IN | 21 | $ 8,305,000 | $ 395,476 | $ 190,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 459,000 | $ 153,000 | $ 18,000 |
| Bowling Green, KY | 2 | $ 357,000 | $ 178,500 | $ 84,000 |
| Lexington-Fayette, KY | 2 | $ 236,000 | $ 118,000 | $ 14,000 |
| Sarasota-Bradenton-Venice, FL | 2 | $ 558,000 | $ 279,000 | $ 394,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 30,000 | $ 30,000 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,247,000 | $ 1,247,000 | $ 936,000 |
| Charleston-North Charleston, SC | 1 | $ 194,000 | $ 194,000 | $ 42,000 |
| Columbus, IN | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 455,000 | $ 455,000 | $ 324,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 146,000 | $ 146,000 | $ 36,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 752,000 | $ 752,000 | $ 138,000 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 173,000 | $ 173,000 | $ 66,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2004
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 | 801 | $106,771,000 | $242,142 | $3,600,000 | $167,857 | $1,032,000 |
| Home Purchase | 691 | $97,900,000 | $182,571 | $2,001,000 | $79,142 | $2,400,000 |
| Home Improvement | 141 | $4,607,000 | $32,000 | $1,195,000 | $49,666 | $168,000 |
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 | 1,255 | $155,060,000 | $224,000 | $2,001,000 | $139,500 | $2,400,000 |
| Not Provided | 149 | $16,615,000 | $173,800 | $832,000 | $112,200 | $647,000 |
| Not applicable | 99 | $22,083,000 | $409,666 | $3,600,000 | $333 | $27,000 |
| Black or African American | 75 | $8,238,000 | $114,000 | $650,000 | $42,000 | $620,000 |
| Hispanic | 29 | $3,721,000 | $124,000 | $314,000 | $57,000 | $220,000 |
| Asian | 22 | $3,301,000 | $150,000 | $560,000 | $102,000 | $600,000 |
| American Indian or Alaskan Native | 4 | $260,000 | $65,000 | $154,000 | $53,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,371 | $180,482,000 | $224,600 | $3,600,000 | $140,700 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 213 | $22,207,000 | $101,333 | $183,000 | $34,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 48 | $6,465,000 | $132,000 | $240,000 | $36,500 | $96,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $124,000 | $124,000 | $124,000 | $34,000 | $34,000 |
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 | 1,229 | $163,866,000 | $243,333 | $3,600,000 | $156,333 | $2,400,000 |
| Application Withdrawn By Applicant | 181 | $23,303,000 | $132,750 | $750,000 | $49,500 | $1,032,000 |
| Application Denied By Financial Institution | 170 | $15,784,000 | $94,000 | $544,000 | $39,666 | $288,000 |
| Application Approved But Not Accepted | 29 | $3,499,000 | $122,000 | $300,000 | $52,500 | $168,000 |
| File Closed For Incompleteness | 20 | $2,489,000 | $116,000 | $245,000 | $59,000 | $423,000 |
| Preapproval Denied by Financial Institution | 4 | $337,000 | $84,000 | $125,000 | $24,000 | $27,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 65 | $4,690,000 | $76,333 | $268,000 | $42,000 | $288,000 |
| Debt-To-Income Ratio | 61 | $5,432,000 | $95,666 | $250,000 | $34,333 | $96,000 |
| Other | 19 | $1,818,000 | $95,000 | $171,000 | $42,000 | $142,000 |
| Collateral | 14 | $2,557,000 | $123,666 | $544,000 | $51,333 | $248,000 |
| Credit Application Incomplete | 6 | $876,000 | $146,000 | $265,000 | $45,000 | $139,000 |
| Employment History | 4 | $336,000 | $84,000 | $153,000 | $41,500 | $66,000 |
| Unverifiable Information | 3 | $245,000 | $81,000 | $144,000 | $21,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $67,000 | $67,000 | $67,000 | $47,000 | $47,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2004 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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