Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2008
In 2008, Stock Yards Bank & Trust Company of Louisville, KY reported 1,558 mortgage applications totaling $231.8 million, up 16% from 2007. The average application was for $148,779, and applicants reported an average income of $78,787. 62% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (1,216), Indianapolis-Carmel, IN (142) and Cincinnati-Middletown, OH-KY-IN (19) (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 | 1,558 |
| Total Mortgage Loan Application Amount | $231,798,000 |
| Average Mortgage Loan Application Amount | $148,779 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $78,787 |
| Highest Applicant Income | $3,217,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,216 | $ 170,228,000 | $ 139,990 | $ 74,875 |
| Indianapolis-Carmel, IN | 142 | $ 24,405,000 | $ 171,866 | $ 79,000 |
| Cincinnati-Middletown, OH-KY-IN | 19 | $ 6,611,000 | $ 347,947 | $ 141,000 |
| Lexington-Fayette, KY | 8 | $ 1,543,000 | $ 192,875 | $ 151,000 |
| Naples-Marco Island, FL | 5 | $ 2,008,000 | $ 401,600 | $ 281,000 |
| Bloomington, IN | 3 | $ 498,000 | $ 166,000 | $ 202,000 |
| Elizabethtown, KY | 3 | $ 326,000 | $ 108,666 | $ 56,000 |
| Kokomo, IN | 3 | $ 397,000 | $ 132,333 | $ 233,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,124,000 | $ 562,000 | $ 557,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 405,000 | $ 202,500 | $ 69,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 201,000 | $ 100,500 | $ 27,000 |
| Anderson, IN | 1 | $ 93,000 | $ 93,000 | $ 48,000 |
| Boston-Quincy, MA | 1 | $ 506,000 | $ 506,000 | $ 120,000 |
| Bowling Green, KY | 1 | $ 40,000 | $ 40,000 | $ 153,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 203,000 | $ 203,000 | $ 355,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 600,000 | $ 600,000 | $ 178,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Columbus, IN | 1 | $ 118,000 | $ 118,000 | $ 80,000 |
| Dayton, OH | 1 | $ 190,000 | $ 190,000 | $ 148,000 |
| Evansville, IN-KY | 1 | $ 250,000 | $ 250,000 | $ 258,000 |
| Fort Wayne, IN | 1 | $ 288,000 | $ 288,000 | $ 122,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Knoxville, TN | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Lafayette, IN | 1 | $ 96,000 | $ 96,000 | $ 50,000 |
| Las Vegas-Paradise, NV | 1 | $ 500,000 | $ 500,000 | $ 200,000 |
| Longview, TX | 1 | $ 203,000 | $ 203,000 | $ 89,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 220,000 | $ 220,000 | $ 262,000 |
| Orlando-Kissimmee, FL | 1 | $ 98,000 | $ 98,000 | $ 355,000 |
| Panama City-Lynn Haven, FL | 1 | $ 70,000 | $ 70,000 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 250,000 | $ 250,000 | $ 168,000 |
| Raleigh-Cary, NC | 1 | $ 53,000 | $ 53,000 | $ 25,000 |
| St. Louis, MO-IL | 1 | $ 5,000 | $ 5,000 | $ 40,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 1,836,000 | $ 1,836,000 | $ 1,904,000 |
| Tucson, AZ | 1 | $ 150,000 | $ 150,000 | $ 11,000 |
| Wilmington, DE-MD-NJ | 1 | $ 217,000 | $ 217,000 | $ 57,000 |
| York-Hanover, PA | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2008
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 | 819 | $129,873,000 | $158,000 | $1,800,000 | $84,000 | $1,018,000 |
| Home Purchase | 634 | $97,726,000 | $154,000 | $2,200,000 | $75,000 | $3,217,000 |
| Home Improvement | 105 | $4,199,000 | $39,000 | $1,000,000 | $61,000 | $296,000 |
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 | 1,219 | $175,445,000 | $143,000 | $1,836,000 | $83,000 | $3,217,000 |
| Not Provided | 115 | $17,452,000 | $151,000 | $1,403,000 | $137,000 | $1,008,000 |
| Not applicable | 96 | $24,561,000 | $255,000 | $2,200,000 | $0 | $33,000 |
| Black or African American | 77 | $8,115,000 | $105,000 | $675,000 | $43,000 | $358,000 |
| Asian | 29 | $3,836,000 | $132,000 | $417,000 | $54,000 | $200,000 |
| Hispanic | 18 | $2,011,000 | $111,000 | $228,000 | $58,000 | $168,000 |
| American Indian or Alaskan Native | 3 | $328,000 | $109,000 | $125,000 | $41,000 | $46,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $36,000 | $36,000 |
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) | 1,038 | $164,825,000 | $158,000 | $2,200,000 | $96,000 | $3,217,000 |
| FHA-insured (Federal Housing Administration) | 495 | $63,217,000 | $127,000 | $307,000 | $43,000 | $211,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,756,000 | $150,000 | $506,000 | $53,000 | $126,000 |
| 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 | 959 | $148,775,000 | $155,000 | $2,200,000 | $86,000 | $3,217,000 |
| Application Denied By Financial Institution | 194 | $21,168,000 | $109,000 | $900,000 | $51,000 | $264,000 |
| Application Withdrawn By Applicant | 186 | $34,327,000 | $184,000 | $990,000 | $94,000 | $1,008,000 |
| Preapproval Denied by Financial Institution | 93 | $10,362,000 | $111,000 | $266,000 | $36,000 | $132,000 |
| File Closed For Incompleteness | 64 | $8,949,000 | $139,000 | $417,000 | $64,000 | $572,000 |
| Application Approved But Not Accepted | 62 | $8,217,000 | $132,000 | $724,000 | $87,000 | $412,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2008 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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