Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2006
In 2006, Stock Yards Bank & Trust Company of Louisville, KY reported 1,488 mortgage applications totaling $182.3 million, down 3% from 2005. The average application was for $122,493, and applicants reported an average income of $77,927. 61% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (1,251), Indianapolis-Carmel, IN (63) and Elizabethtown, KY (27) (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 | 1,488 |
| Total Mortgage Loan Application Amount | $182,270,000 |
| Average Mortgage Loan Application Amount | $122,493 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $77,927 |
| Highest Applicant Income | $2,730,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,251 | $ 143,836,000 | $ 114,976 | $ 73,170 |
| Indianapolis-Carmel, IN | 63 | $ 12,541,000 | $ 199,063 | $ 149,000 |
| Elizabethtown, KY | 27 | $ 3,650,000 | $ 135,185 | $ 70,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 228,000 | $ 57,000 | $ 64,000 |
| Bowling Green, KY | 2 | $ 300,000 | $ 150,000 | $ 506,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 939,000 | $ 469,500 | $ 175,000 |
| Dayton, OH | 2 | $ 793,000 | $ 396,500 | $ 144,000 |
| Lexington-Fayette, KY | 2 | $ 312,000 | $ 156,000 | $ 36,000 |
| Manchester-Nashua, NH | 2 | $ 400,000 | $ 200,000 | $ 484,000 |
| Naples-Marco Island, FL | 2 | $ 630,000 | $ 315,000 | $ 346,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 620,000 | $ 620,000 | $ 311,000 |
| Baton Rouge, LA | 1 | $ 166,000 | $ 166,000 | $ 127,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Denver-Aurora, CO | 1 | $ 240,000 | $ 240,000 | $ 85,000 |
| Lawrence, KS | 1 | $ 123,000 | $ 123,000 | $ 63,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 170,000 | $ 170,000 | $ 330,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 60,000 | $ 60,000 | $ 49,000 |
| Orlando-Kissimmee, FL | 1 | $ 280,000 | $ 280,000 | $ 80,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2006
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 | 728 | $92,304,000 | $126,000 | $1,000,000 | $76,000 | $1,132,000 |
| Home Purchase | 614 | $86,869,000 | $141,000 | $1,600,000 | $84,000 | $2,730,000 |
| Home Improvement | 146 | $3,097,000 | $21,000 | $300,000 | $62,000 | $480,000 |
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 | 1,233 | $149,201,000 | $121,000 | $1,000,000 | $83,000 | $2,730,000 |
| Not Provided | 102 | $10,959,000 | $107,000 | $880,000 | $78,000 | $330,000 |
| Black or African American | 65 | $5,652,000 | $86,000 | $196,000 | $49,000 | $160,000 |
| Not applicable | 44 | $10,102,000 | $229,000 | $1,600,000 | $0 | $0 |
| Asian | 23 | $3,419,000 | $148,000 | $612,000 | $53,000 | $240,000 |
| Hispanic | 16 | $2,406,000 | $150,000 | $344,000 | $77,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $413,000 | $137,000 | $184,000 | $49,000 | $64,000 |
| American Indian or Alaskan Native | 2 | $118,000 | $59,000 | $78,000 | $21,000 | $24,000 |
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) | 1,223 | $151,866,000 | $124,000 | $1,600,000 | $85,000 | $2,730,000 |
| FHA-insured (Federal Housing Administration) | 228 | $24,916,000 | $109,000 | $217,000 | $44,000 | $392,000 |
| VA-guaranteed (Veterans Administration) | 37 | $5,488,000 | $148,000 | $444,000 | $59,000 | $239,000 |
| 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 | 909 | $110,781,000 | $121,000 | $1,600,000 | $87,000 | $2,730,000 |
| Application Denied By Financial Institution | 236 | $25,235,000 | $106,000 | $880,000 | $50,000 | $348,000 |
| Application Withdrawn By Applicant | 159 | $25,171,000 | $158,000 | $1,000,000 | $91,000 | $1,132,000 |
| Preapproval Denied by Financial Institution | 76 | $8,545,000 | $112,000 | $300,000 | $43,000 | $120,000 |
| Application Approved But Not Accepted | 54 | $5,381,000 | $99,000 | $800,000 | $72,000 | $379,000 |
| File Closed For Incompleteness | 54 | $7,157,000 | $132,000 | $600,000 | $63,000 | $338,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 123 | $12,828,000 | $104,000 | $370,000 | $39,000 | $157,000 |
| Credit History | 118 | $11,551,000 | $97,000 | $560,000 | $57,000 | $348,000 |
| Collateral | 31 | $4,894,000 | $157,000 | $880,000 | $56,000 | $174,000 |
| Credit Application Incomplete | 11 | $1,052,000 | $95,000 | $119,000 | $39,000 | $93,000 |
| Employment History | 10 | $737,000 | $73,000 | $142,000 | $47,000 | $126,000 |
| Other | 9 | $1,237,000 | $137,000 | $300,000 | $53,000 | $96,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,049,000 | $174,000 | $345,000 | $53,000 | $109,000 |
| Unverifiable Information | 2 | $221,000 | $110,000 | $116,000 | $56,000 | $59,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2006 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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