Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Stock Yards Bank & Trust Company of Louisville, KY reported 2,077 mortgage applications totaling $420.6 million, down 20% from 2012. The average application was for $202,515, and applicants reported an average income of $96,764. 58% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,593), Indianapolis-Carmel, IN (80) and Cincinnati-Middletown, OH-KY-IN (69) (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 | 2,077 |
| Total Mortgage Loan Application Amount | $420,625,000 |
| Average Mortgage Loan Application Amount | $202,515 |
| Highest Mortgage Loan Application Amount | $15,000,000 |
| Average Applicant Income | $96,764 |
| Highest Applicant Income | $2,702,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,593 | $ 317,508,000 | $ 199,314 | $ 89,158 |
| Indianapolis-Carmel, IN | 80 | $ 23,929,000 | $ 299,112 | $ 226,000 |
| Cincinnati-Middletown, OH-KY-IN | 69 | $ 24,906,000 | $ 360,956 | $ 157,086 |
| Cape Coral-Fort Myers, FL | 7 | $ 3,317,000 | $ 473,857 | $ 334,000 |
| Bloomington, IN | 4 | $ 736,000 | $ 184,000 | $ 348,000 |
| Columbus, OH | 4 | $ 910,000 | $ 227,500 | $ 248,000 |
| Dayton, OH | 4 | $ 890,000 | $ 222,500 | $ 89,000 |
| Lexington-Fayette, KY | 4 | $ 808,000 | $ 202,000 | $ 131,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 488,000 | $ 162,666 | $ 74,000 |
| Elizabethtown, KY | 3 | $ 518,000 | $ 172,666 | $ 38,000 |
| Bowling Green, KY | 2 | $ 90,000 | $ 45,000 | $ 130,000 |
| Naples-Marco Island, FL | 2 | $ 988,000 | $ 494,000 | $ 190,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 575,000 | $ 287,500 | $ 348,000 |
| Phoenix-Mesa-Glendale, AZ | 2 | $ 347,000 | $ 173,500 | $ 85,000 |
| Punta Gorda, FL | 2 | $ 1,352,000 | $ 676,000 | $ 63,000 |
| St. Louis, MO-IL | 2 | $ 834,000 | $ 417,000 | $ 213,000 |
| Anderson, IN | 1 | $ 242,000 | $ 242,000 | $ 387,000 |
| Asheville, NC | 1 | $ 219,000 | $ 219,000 | $ 198,000 |
| Champaign-Urbana, IL | 1 | $ 90,000 | $ 90,000 | $ 123,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 170,000 | $ 170,000 | $ 61,000 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 246,000 | $ 246,000 | $ 66,000 |
| Columbus, IN | 1 | $ 713,000 | $ 713,000 | $ 1,259,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 232,000 | $ 232,000 | $ 84,000 |
| Jacksonville, FL | 1 | $ 870,000 | $ 870,000 | $ 650,000 |
| Knoxville, TN | 1 | $ 332,000 | $ 332,000 | $ 616,000 |
| Lafayette, IN | 1 | $ 141,000 | $ 141,000 | $ 118,000 |
| Las Vegas-Paradise, NV | 1 | $ 417,000 | $ 417,000 | $ 565,000 |
| Madison, WI | 1 | $ 233,000 | $ 233,000 | $ 291,000 |
| Mansfield, OH | 1 | $ 46,000 | $ 46,000 | $ 76,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Owensboro, KY | 1 | $ 80,000 | $ 80,000 | $ 23,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 81,000 | $ 81,000 | $ 71,000 |
| Port St. Lucie, FL | 1 | $ 317,000 | $ 317,000 | $ 232,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 234,000 | $ 234,000 | $ 79,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 327,000 | $ 327,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2013
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 | 1,133 | $244,167,000 | $215,000 | $7,888,000 | $109,000 | $2,702,000 |
| Home Purchase | 886 | $172,739,000 | $194,000 | $15,000,000 | $83,000 | $1,120,000 |
| Home Improvement | 58 | $3,719,000 | $64,000 | $750,000 | $68,000 | $420,000 |
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 | 1,812 | $321,140,000 | $177,000 | $15,000,000 | $102,000 | $2,702,000 |
| Not applicable | 92 | $69,239,000 | $752,000 | $12,000,000 | $0 | $0 |
| Black or African American | 71 | $7,550,000 | $106,000 | $460,000 | $46,000 | $130,000 |
| Not Provided | 48 | $14,915,000 | $310,000 | $1,600,000 | $182,000 | $665,000 |
| Hispanic | 33 | $4,931,000 | $149,000 | $520,000 | $61,000 | $153,000 |
| Asian | 16 | $2,440,000 | $152,000 | $432,000 | $147,000 | $517,000 |
| American Indian or Alaskan Native | 4 | $351,000 | $87,000 | $109,000 | $136,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $59,000 | $59,000 | $59,000 | $47,000 | $47,000 |
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) | 1,705 | $373,642,000 | $219,000 | $15,000,000 | $108,000 | $2,702,000 |
| FHA-insured (Federal Housing Administration) | 271 | $32,480,000 | $119,000 | $305,000 | $45,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,353,000 | $167,000 | $426,000 | $62,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $5,150,000 | $114,000 | $194,000 | $40,000 | $74,000 |
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 | 1,210 | $259,123,000 | $214,000 | $12,000,000 | $102,000 | $2,702,000 |
| Application Denied By Financial Institution | 271 | $63,438,000 | $234,000 | $15,000,000 | $82,000 | $666,000 |
| Preapproval Denied by Financial Institution | 240 | $30,993,000 | $129,000 | $880,000 | $54,000 | $804,000 |
| Application Withdrawn By Applicant | 182 | $33,709,000 | $185,000 | $1,100,000 | $129,000 | $1,800,000 |
| Application Approved But Not Accepted | 97 | $19,252,000 | $198,000 | $1,750,000 | $121,000 | $1,200,000 |
| File Closed For Incompleteness | 77 | $14,110,000 | $183,000 | $627,000 | $85,000 | $414,000 |
| 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 2013 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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