Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2005
In 2005, Stock Yards Bank & Trust Company of Louisville, KY reported 1,534 mortgage applications totaling $203.5 million, down 6% from 2004. The average application was for $132,627, and applicants reported an average income of $57,774. 69% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville, KY-IN (1,129), Elizabethtown, KY (59) and Indianapolis, IN (40) (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 | 1,534 |
| Total Mortgage Loan Application Amount | $203,450,000 |
| Average Mortgage Loan Application Amount | $132,627 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $57,774 |
| Highest Applicant Income | $1,133,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,129 | $ 142,698,000 | $ 126,393 | $ 52,000 |
| Elizabethtown, KY | 59 | $ 7,580,000 | $ 128,474 | $ 45,000 |
| Indianapolis, IN | 40 | $ 8,960,000 | $ 224,000 | $ 149,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 768,000 | $ 256,000 | $ 204,000 |
| Anderson, IN | 2 | $ 434,000 | $ 217,000 | $ 12,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 308,000 | $ 154,000 | $ 150,000 |
| Bowling Green, KY | 2 | $ 157,000 | $ 78,500 | $ 64,000 |
| Buffalo-Niagara Falls, NY | 2 | $ 325,000 | $ 162,500 | $ 268,000 |
| Lancaster, PA | 2 | $ 349,000 | $ 174,500 | $ 98,000 |
| Lexington-Fayette, KY | 2 | $ 134,000 | $ 67,000 | $ 48,000 |
| Akron, OH | 1 | $ 123,000 | $ 123,000 | $ 52,000 |
| Bloomington, IN | 1 | $ 134,000 | $ 134,000 | $ 168,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Denver-Aurora, CO | 1 | $ 614,000 | $ 614,000 | $ 167,000 |
| Lafayette, IN | 1 | $ 326,000 | $ 326,000 | $ 105,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 360,000 | $ 360,000 | $ 425,000 |
| Naples-Marco Island, FL | 1 | $ 1,095,000 | $ 1,095,000 | $ 1,133,000 |
| Norwich-New London, CT | 1 | $ 400,000 | $ 400,000 | $ 240,000 |
| Panama City-Lynn Haven, FL | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Port St. Lucie-Fort Pierce, FL | 1 | $ 224,000 | $ 224,000 | $ 122,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 1,000,000 | $ 1,000,000 | $ 506,000 |
| Tucson, AZ | 1 | $ 250,000 | $ 250,000 | $ 63,000 |
| Warren-Farmington Hills-Troy, MI | 1 | $ 250,000 | $ 250,000 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 350,000 | $ 350,000 | $ 168,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2005
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 | 719 | $106,742,000 | $276,300 | $3,000,000 | $138,600 | $1,133,000 |
| Home Purchase | 691 | $93,514,000 | $249,833 | $1,000,000 | $124,416 | $506,000 |
| Home Improvement | 124 | $3,194,000 | $26,500 | $400,000 | $51,000 | $599,000 |
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 | 1,260 | $160,071,000 | $224,857 | $1,500,000 | $137,500 | $1,133,000 |
| Not Provided | 99 | $14,659,000 | $223,571 | $603,000 | $143,142 | $482,000 |
| Black or African American | 61 | $5,482,000 | $113,333 | $284,000 | $52,666 | $210,000 |
| Not applicable | 47 | $14,803,000 | $567,250 | $3,000,000 | $0 | $0 |
| Hispanic | 37 | $5,340,000 | $233,333 | $700,000 | $176,000 | $425,000 |
| Asian | 26 | $2,840,000 | $102,000 | $396,000 | $37,500 | $193,000 |
| American Indian or Alaskan Native | 3 | $252,000 | $75,500 | $124,000 | $23,000 | $71,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $3,000 | $3,000 | $3,000 | $38,000 | $38,000 |
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) | 1,272 | $173,621,000 | $261,375 | $3,000,000 | $133,875 | $1,133,000 |
| FHA-insured (Federal Housing Administration) | 194 | $20,452,000 | $105,333 | $202,000 | $35,000 | $193,000 |
| VA-guaranteed (Veterans Administration) | 68 | $9,377,000 | $132,333 | $308,000 | $46,666 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,055 | $145,859,000 | $260,500 | $3,000,000 | $136,285 | $1,133,000 |
| Application Denied By Financial Institution | 236 | $24,872,000 | $156,000 | $525,000 | $67,250 | $210,000 |
| Application Withdrawn By Applicant | 193 | $25,019,000 | $202,333 | $640,000 | $106,666 | $281,000 |
| File Closed For Incompleteness | 35 | $5,232,000 | $135,500 | $760,000 | $56,500 | $276,000 |
| Application Approved But Not Accepted | 15 | $2,468,000 | $229,666 | $360,000 | $66,666 | $179,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 94 | $8,841,000 | $100,000 | $280,000 | $55,666 | $210,000 |
| Debt-To-Income Ratio | 93 | $10,665,000 | $124,333 | $525,000 | $38,666 | $137,000 |
| Collateral | 23 | $2,616,000 | $167,333 | $282,000 | $70,000 | $127,000 |
| Employment History | 7 | $361,000 | $73,500 | $105,000 | $32,500 | $60,000 |
| Unverifiable Information | 5 | $494,000 | $73,000 | $217,000 | $30,000 | $56,000 |
| Other | 4 | $345,000 | $85,500 | $109,000 | $60,500 | $77,000 |
| Credit Application Incomplete | 4 | $637,000 | $159,000 | $340,000 | $60,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $222,000 | $74,000 | $89,000 | $24,000 | $30,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2005 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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