Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2011
In 2011, Stock Yards Bank & Trust Company of Louisville, KY reported 1,636 mortgage applications totaling $281.4 million, down 27% from 2010. The average application was for $171,982, and applicants reported an average income of $105,166. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (1,352), Indianapolis-Carmel, IN (69) and Cincinnati-Middletown, OH-KY-IN (44) (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 | 1,636 |
| Total Mortgage Loan Application Amount | $281,363,000 |
| Average Mortgage Loan Application Amount | $171,982 |
| Highest Mortgage Loan Application Amount | $4,900,000 |
| Average Applicant Income | $105,166 |
| Highest Applicant Income | $6,996,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,352 | $ 215,088,000 | $ 159,088 | $ 91,976 |
| Indianapolis-Carmel, IN | 69 | $ 20,523,000 | $ 297,434 | $ 335,000 |
| Cincinnati-Middletown, OH-KY-IN | 44 | $ 18,380,000 | $ 417,727 | $ 208,295 |
| Elizabethtown, KY | 9 | $ 1,109,000 | $ 123,222 | $ 68,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,526,000 | $ 631,500 | $ 312,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 704,000 | $ 234,666 | $ 92,000 |
| Bowling Green, KY | 2 | $ 142,000 | $ 71,000 | $ 38,000 |
| Lexington-Fayette, KY | 2 | $ 344,000 | $ 172,000 | $ 152,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 226,000 | $ 226,000 | $ 75,000 |
| Baltimore-Towson, MD | 1 | $ 320,000 | $ 320,000 | $ 684,000 |
| Bloomington, IN | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Brunswick, GA | 1 | $ 220,000 | $ 220,000 | $ 120,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 150,000 | $ 150,000 | $ 90,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 224,000 | $ 224,000 | $ 67,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 253,000 | $ 253,000 | $ 118,000 |
| Dayton, OH | 1 | $ 97,000 | $ 97,000 | $ 54,000 |
| Lafayette, IN | 1 | $ 52,000 | $ 52,000 | $ 388,000 |
| Niles-Benton Harbor, MI | 1 | $ 417,000 | $ 417,000 | $ 156,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 333,000 | $ 333,000 | $ 313,000 |
| Owensboro, KY | 1 | $ 57,000 | $ 57,000 | $ 452,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 108,000 | $ 108,000 | $ 149,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 211,000 | $ 211,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2011
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 | 1,034 | $192,998,000 | $186,000 | $4,900,000 | $115,000 | $6,996,000 |
| Home Purchase | 520 | $82,080,000 | $157,000 | $2,130,000 | $91,000 | $1,485,000 |
| Home Improvement | 82 | $6,285,000 | $76,000 | $815,000 | $71,000 | $365,000 |
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 | 1,430 | $236,005,000 | $165,000 | $2,490,000 | $110,000 | $6,996,000 |
| Not applicable | 72 | $25,654,000 | $356,000 | $4,900,000 | $0 | $0 |
| Black or African American | 55 | $6,120,000 | $111,000 | $992,000 | $74,000 | $717,000 |
| Not Provided | 32 | $6,766,000 | $211,000 | $750,000 | $164,000 | $585,000 |
| Asian | 29 | $4,632,000 | $159,000 | $1,080,000 | $122,000 | $908,000 |
| Hispanic | 11 | $1,155,000 | $105,000 | $224,000 | $72,000 | $250,000 |
| American Indian or Alaskan Native | 4 | $391,000 | $97,000 | $220,000 | $61,000 | $178,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $640,000 | $213,000 | $370,000 | $177,000 | $353,000 |
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) | 1,341 | $242,684,000 | $180,000 | $4,900,000 | $117,000 | $6,996,000 |
| FHA-insured (Federal Housing Administration) | 262 | $32,942,000 | $125,000 | $311,000 | $50,000 | $335,000 |
| VA-guaranteed (Veterans Administration) | 30 | $5,376,000 | $179,000 | $417,000 | $73,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $361,000 | $120,000 | $138,000 | $37,000 | $53,000 |
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 | 1,001 | $175,807,000 | $175,000 | $4,900,000 | $112,000 | $6,996,000 |
| Application Denied By Financial Institution | 251 | $38,714,000 | $154,000 | $1,800,000 | $70,000 | $1,280,000 |
| Application Withdrawn By Applicant | 149 | $27,523,000 | $184,000 | $1,400,000 | $121,000 | $1,407,000 |
| Preapproval Denied by Financial Institution | 100 | $12,351,000 | $123,000 | $800,000 | $55,000 | $321,000 |
| Application Approved But Not Accepted | 97 | $19,339,000 | $199,000 | $1,217,000 | $143,000 | $846,000 |
| File Closed For Incompleteness | 38 | $7,629,000 | $200,000 | $750,000 | $112,000 | $600,000 |
| 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 2011 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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