Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2009
In 2009, Stock Yards Bank & Trust Company of Louisville, KY reported 2,480 mortgage applications totaling $410.6 million, up 59% from 2008. The average application was for $165,561, and applicants reported an average income of $86,473. 68% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (2,161), Indianapolis-Carmel, IN (125) and Cincinnati-Middletown, OH-KY-IN (32) (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 | 2,480 |
| Total Mortgage Loan Application Amount | $410,592,000 |
| Average Mortgage Loan Application Amount | $165,561 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $86,473 |
| Highest Applicant Income | $3,311,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,161 | $ 351,323,000 | $ 162,574 | $ 83,966 |
| Indianapolis-Carmel, IN | 125 | $ 23,732,000 | $ 189,856 | $ 94,000 |
| Cincinnati-Middletown, OH-KY-IN | 32 | $ 9,333,000 | $ 291,656 | $ 124,562 |
| Lexington-Fayette, KY | 6 | $ 1,208,000 | $ 201,333 | $ 132,000 |
| Elizabethtown, KY | 4 | $ 249,000 | $ 62,250 | $ 49,000 |
| Bradenton-Sarasota-Venice, FL | 3 | $ 926,000 | $ 308,666 | $ 788,000 |
| Anderson, IN | 2 | $ 452,000 | $ 226,000 | $ 107,000 |
| Evansville, IN-KY | 2 | $ 405,000 | $ 202,500 | $ 129,000 |
| Niles-Benton Harbor, MI | 2 | $ 435,000 | $ 217,500 | $ 262,000 |
| Wilmington, DE-MD-NJ | 2 | $ 307,000 | $ 153,500 | $ 77,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 290,000 | $ 290,000 | $ 115,000 |
| Bloomington, IN | 1 | $ 107,000 | $ 107,000 | $ 93,000 |
| Bremerton-Silverdale, WA | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 216,000 | $ 216,000 | $ 92,000 |
| Columbus, OH | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 137,000 | $ 137,000 | $ 240,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 224,000 | $ 224,000 | $ 216,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 160,000 | $ 160,000 | $ 44,000 |
| Lake Charles, LA | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Lansing-East Lansing, MI | 1 | $ 100,000 | $ 100,000 | $ 45,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 417,000 | $ 417,000 | $ 649,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Naples-Marco Island, FL | 1 | $ 344,000 | $ 344,000 | $ 528,000 |
| Orlando-Kissimmee, FL | 1 | $ 417,000 | $ 417,000 | $ 610,000 |
| Owensboro, KY | 1 | $ 71,000 | $ 71,000 | $ 70,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 224,000 | $ 224,000 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 135,000 | $ 135,000 | $ 32,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 174,000 | $ 174,000 | $ 84,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 405,000 | $ 405,000 | $ 119,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 300,000 | $ 300,000 | $ 1,308,000 |
| Wilmington, NC | 1 | $ 131,000 | $ 131,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2009
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 | 1,797 | $308,891,000 | $171,000 | $2,000,000 | $91,000 | $3,311,000 |
| Home Purchase | 594 | $94,918,000 | $159,000 | $3,850,000 | $73,000 | $1,308,000 |
| Home Improvement | 89 | $6,783,000 | $76,000 | $4,500,000 | $85,000 | $915,000 |
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 | 2,084 | $331,152,000 | $158,000 | $2,000,000 | $88,000 | $3,311,000 |
| Not Provided | 146 | $27,227,000 | $186,000 | $900,000 | $127,000 | $978,000 |
| Not applicable | 86 | $30,307,000 | $352,000 | $4,500,000 | $0 | $0 |
| Black or African American | 73 | $8,436,000 | $115,000 | $322,000 | $46,000 | $380,000 |
| Asian | 50 | $7,055,000 | $141,000 | $413,000 | $55,000 | $278,000 |
| Hispanic | 32 | $4,413,000 | $137,000 | $417,000 | $112,000 | $700,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,617,000 | $323,000 | $417,000 | $221,000 | $285,000 |
| American Indian or Alaskan Native | 4 | $385,000 | $96,000 | $204,000 | $366,000 | $1,190,000 |
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) | 1,898 | $330,279,000 | $174,000 | $4,500,000 | $101,000 | $3,311,000 |
| FHA-insured (Federal Housing Administration) | 534 | $72,056,000 | $134,000 | $626,000 | $40,000 | $160,000 |
| VA-guaranteed (Veterans Administration) | 48 | $8,257,000 | $172,000 | $426,000 | $38,000 | $192,000 |
| 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 | 1,688 | $283,617,000 | $168,000 | $4,500,000 | $91,000 | $3,311,000 |
| Application Withdrawn By Applicant | 268 | $49,224,000 | $183,000 | $1,305,000 | $95,000 | $978,000 |
| Application Denied By Financial Institution | 235 | $30,882,000 | $131,000 | $608,000 | $60,000 | $851,000 |
| File Closed For Incompleteness | 163 | $28,306,000 | $173,000 | $600,000 | $88,000 | $610,000 |
| Preapproval Denied by Financial Institution | 73 | $8,978,000 | $122,000 | $417,000 | $43,000 | $208,000 |
| Application Approved But Not Accepted | 53 | $9,585,000 | $180,000 | $1,850,000 | $82,000 | $649,000 |
| 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 2009 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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