Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2012
In 2012, Stock Yards Bank & Trust Company of Louisville, KY reported 2,591 mortgage applications totaling $435.6 million, up 58% from 2011. The average application was for $168,105, and applicants reported an average income of $103,415. 67% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,207), Indianapolis-Carmel, IN (92) and Cincinnati-Middletown, OH-KY-IN (66) (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 | 2,591 |
| Total Mortgage Loan Application Amount | $435,561,000 |
| Average Mortgage Loan Application Amount | $168,105 |
| Highest Mortgage Loan Application Amount | $2,600,000 |
| Average Applicant Income | $103,415 |
| Highest Applicant Income | $5,467,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,207 | $ 349,365,000 | $ 158,298 | $ 88,248 |
| Indianapolis-Carmel, IN | 92 | $ 30,126,000 | $ 327,456 | $ 317,000 |
| Cincinnati-Middletown, OH-KY-IN | 66 | $ 15,801,000 | $ 239,409 | $ 213,166 |
| Elizabethtown, KY | 6 | $ 881,000 | $ 146,833 | $ 142,000 |
| Lexington-Fayette, KY | 6 | $ 1,264,000 | $ 210,666 | $ 87,000 |
| Bowling Green, KY | 4 | $ 556,000 | $ 139,000 | $ 88,000 |
| Bloomington, IN | 3 | $ 529,000 | $ 176,333 | $ 209,000 |
| St. Louis, MO-IL | 3 | $ 1,869,000 | $ 623,000 | $ 776,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 503,000 | $ 167,666 | $ 130,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 241,000 | $ 120,500 | $ 123,000 |
| Evansville, IN-KY | 2 | $ 383,000 | $ 191,500 | $ 130,500 |
| Naples-Marco Island, FL | 2 | $ 2,780,000 | $ 1,390,000 | $ 2,041,000 |
| Niles-Benton Harbor, MI | 2 | $ 817,000 | $ 408,500 | $ 348,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 345,000 | $ 172,500 | $ 149,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 233,000 | $ 233,000 | $ 53,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 248,000 | $ 248,000 | $ 132,000 |
| Clarksville, TN-KY | 1 | $ 45,000 | $ 45,000 | $ 98,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 304,000 | $ 304,000 | $ 68,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 375,000 | $ 375,000 | $ 425,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 83,000 | $ 83,000 | $ 73,000 |
| Knoxville, TN | 1 | $ 326,000 | $ 326,000 | $ 429,000 |
| Lafayette, IN | 1 | $ 102,000 | $ 102,000 | $ 206,000 |
| Memphis, TN-MS-AR | 1 | $ 89,000 | $ 89,000 | $ 91,000 |
| Muskegon-Norton Shores, MI | 1 | $ 415,000 | $ 415,000 | $ 304,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 202,000 | $ 202,000 | $ 68,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 320,000 | $ 320,000 | $ 354,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 272,000 | $ 272,000 | $ 488,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 2,170,000 | $ 2,170,000 | $ 848,000 |
| Roanoke, VA | 1 | $ 200,000 | $ 200,000 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 417,000 | $ 417,000 | $ 345,000 |
| Toledo, OH | 1 | $ 330,000 | $ 330,000 | $ 368,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2012
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 | 1,850 | $314,880,000 | $170,000 | $2,170,000 | $104,000 | $5,467,000 |
| Home Purchase | 690 | $110,656,000 | $160,000 | $2,500,000 | $97,000 | $3,946,000 |
| Home Improvement | 51 | $10,025,000 | $196,000 | $2,600,000 | $169,000 | $5,024,000 |
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 | 2,319 | $374,225,000 | $161,000 | $2,170,000 | $104,000 | $5,467,000 |
| Black or African American | 83 | $11,611,000 | $139,000 | $1,825,000 | $80,000 | $556,000 |
| Not applicable | 66 | $22,878,000 | $346,000 | $2,600,000 | $0 | $0 |
| Not Provided | 52 | $14,655,000 | $281,000 | $2,500,000 | $290,000 | $3,946,000 |
| Asian | 37 | $6,684,000 | $180,000 | $728,000 | $102,000 | $450,000 |
| Hispanic | 28 | $4,494,000 | $160,000 | $405,000 | $87,000 | $219,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $866,000 | $216,000 | $361,000 | $76,000 | $103,000 |
| American Indian or Alaskan Native | 2 | $148,000 | $74,000 | $79,000 | $24,000 | $25,000 |
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) | 2,181 | $381,949,000 | $175,000 | $2,600,000 | $114,000 | $5,467,000 |
| FHA-insured (Federal Housing Administration) | 334 | $41,754,000 | $125,000 | $400,000 | $46,000 | $197,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,667,000 | $172,000 | $410,000 | $60,000 | $221,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,191,000 | $109,000 | $184,000 | $39,000 | $68,000 |
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 | 1,741 | $299,632,000 | $172,000 | $2,600,000 | $108,000 | $5,024,000 |
| Application Denied By Financial Institution | 314 | $45,844,000 | $146,000 | $1,825,000 | $74,000 | $903,000 |
| Application Withdrawn By Applicant | 242 | $49,026,000 | $202,000 | $1,615,000 | $144,000 | $5,467,000 |
| Preapproval Denied by Financial Institution | 122 | $13,978,000 | $114,000 | $320,000 | $46,000 | $854,000 |
| File Closed For Incompleteness | 88 | $13,945,000 | $158,000 | $417,000 | $89,000 | $355,000 |
| Application Approved But Not Accepted | 84 | $13,136,000 | $156,000 | $485,000 | $101,000 | $1,000,000 |
| 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 2012 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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