Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2014
In 2014, Stock Yards Bank & Trust Company of Louisville, KY reported 1,330 mortgage applications totaling $259.0 million, down 36% from 2013. The average application was for $194,740, and applicants reported an average income of $85,852. 57% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (898), Indianapolis-Carmel-Anderson, IN (84) and Cincinnati, OH-KY-IN (52) (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 | 1,330 |
| Total Mortgage Loan Application Amount | $259,005,000 |
| Average Mortgage Loan Application Amount | $194,740 |
| Highest Mortgage Loan Application Amount | $10,800,000 |
| Average Applicant Income | $85,852 |
| Highest Applicant Income | $2,250,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 898 | $ 141,578,000 | $ 157,659 | $ 80,146 |
| Indianapolis-Carmel-Anderson, IN | 84 | $ 34,392,000 | $ 409,428 | $ 155,000 |
| Cincinnati, OH-KY-IN | 52 | $ 14,461,000 | $ 278,096 | $ 162,000 |
| Elizabethtown-Fort Knox, KY | 7 | $ 7,793,000 | $ 1,113,285 | $ 24,000 |
| Bowling Green, KY | 4 | $ 684,000 | $ 171,000 | $ 152,000 |
| Lexington-Fayette, KY | 4 | $ 8,141,000 | $ 2,035,250 | $ 46,000 |
| Dayton, OH | 2 | $ 522,000 | $ 261,000 | $ 78,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 790,000 | $ 395,000 | $ 144,000 |
| Panama City, FL | 2 | $ 204,000 | $ 102,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 5,000 | $ 5,000 | $ 92,000 |
| Charleston-North Charleston, SC | 1 | $ 303,000 | $ 303,000 | $ 165,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 256,000 | $ 256,000 | $ 261,000 |
| Elkhart-Goshen, IN | 1 | $ 400,000 | $ 400,000 | $ 360,000 |
| Fort Smith, AR-OK | 1 | $ 114,000 | $ 114,000 | $ 115,000 |
| Fort Wayne, IN | 1 | $ 187,000 | $ 187,000 | $ 145,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 180,000 | $ 180,000 | $ 513,000 |
| Hammond, LA | 1 | $ 245,000 | $ 245,000 | $ 144,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 186,000 | $ 186,000 | $ 89,000 |
| Jackson, MI | 1 | $ 256,000 | $ 256,000 | $ 413,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 328,000 | $ 328,000 | $ 260,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 369,000 | $ 369,000 | $ 129,000 |
| Niles-Benton Harbor, MI | 1 | $ 350,000 | $ 350,000 | $ 301,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 10,800,000 | $ 10,800,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 172,000 | $ 172,000 | $ 234,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 127,000 | $ 127,000 | $ 111,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 301,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 878 | $152,301,000 | $173,000 | $9,170,000 | $80,000 | $2,250,000 |
| Refinancing | 404 | $105,322,000 | $260,000 | $10,800,000 | $102,000 | $1,589,000 |
| Home Improvement | 48 | $1,382,000 | $28,000 | $340,000 | $57,000 | $335,000 |
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 | 1,106 | $177,140,000 | $160,000 | $3,750,000 | $92,000 | $2,250,000 |
| Not applicable | 68 | $60,786,000 | $893,000 | $10,800,000 | $0 | $0 |
| Black or African American | 55 | $5,900,000 | $107,000 | $605,000 | $59,000 | $335,000 |
| Not Provided | 51 | $9,156,000 | $179,000 | $788,000 | $115,000 | $401,000 |
| Hispanic | 31 | $3,133,000 | $101,000 | $292,000 | $46,000 | $145,000 |
| Asian | 17 | $2,783,000 | $163,000 | $950,000 | $63,000 | $240,000 |
| American Indian or Alaskan Native | 2 | $107,000 | $53,000 | $87,000 | $103,000 | $147,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,041 | $222,256,000 | $213,000 | $10,800,000 | $96,000 | $2,250,000 |
| FHA-insured (Federal Housing Administration) | 163 | $18,953,000 | $116,000 | $277,000 | $46,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 79 | $9,476,000 | $119,000 | $244,000 | $41,000 | $99,000 |
| VA-guaranteed (Veterans Administration) | 47 | $8,320,000 | $177,000 | $417,000 | $66,000 | $171,000 |
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 | 759 | $156,997,000 | $206,000 | $10,800,000 | $87,000 | $1,589,000 |
| Preapproval Denied by Financial Institution | 224 | $27,749,000 | $123,000 | $700,000 | $48,000 | $262,000 |
| Application Denied By Financial Institution | 152 | $33,391,000 | $219,000 | $7,700,000 | $93,000 | $1,382,000 |
| Application Withdrawn By Applicant | 93 | $19,529,000 | $209,000 | $3,750,000 | $120,000 | $2,250,000 |
| Application Approved But Not Accepted | 65 | $12,243,000 | $188,000 | $1,240,000 | $83,000 | $512,000 |
| File Closed For Incompleteness | 37 | $9,096,000 | $245,000 | $1,464,000 | $182,000 | $2,074,000 |
| 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 2014 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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