Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2015
In 2015, Stock Yards Bank & Trust Company of Louisville, KY reported 1,470 mortgage applications totaling $313.1 million, up 11% from 2014. The average application was for $212,993, and applicants reported an average income of $94,185. 64% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,080), Cincinnati, OH-KY-IN (84) and Indianapolis-Carmel-Anderson, IN (80) (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 | 1,470 |
| Total Mortgage Loan Application Amount | $313,101,000 |
| Average Mortgage Loan Application Amount | $212,993 |
| Highest Mortgage Loan Application Amount | $12,604,000 |
| Average Applicant Income | $94,185 |
| Highest Applicant Income | $1,409,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,080 | $ 205,119,000 | $ 189,925 | $ 83,686 |
| Cincinnati, OH-KY-IN | 84 | $ 41,996,000 | $ 499,952 | $ 158,571 |
| Indianapolis-Carmel-Anderson, IN | 80 | $ 27,590,000 | $ 344,875 | $ 163,000 |
| Elizabethtown-Fort Knox, KY | 7 | $ 930,000 | $ 132,857 | $ 47,000 |
| Lexington-Fayette, KY | 6 | $ 995,000 | $ 165,833 | $ 141,000 |
| Columbus, IN | 3 | $ 2,806,000 | $ 935,333 | $ 500,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 174,000 | $ 58,000 | $ 53,000 |
| Panama City, FL | 3 | $ 1,335,000 | $ 445,000 | $ 279,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 631,000 | $ 315,500 | $ 102,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,788,000 | $ 894,000 | $ 407,000 |
| Fort Wayne, IN | 2 | $ 1,057,000 | $ 528,500 | $ 242,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 1,005,000 | $ 502,500 | $ 231,000 |
| Terre Haute, IN | 2 | $ 116,000 | $ 58,000 | $ 119,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 1,364,000 | $ 682,000 | $ 722,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 239,000 | $ 239,000 | $ 491,000 |
| Bloomington, IN | 1 | $ 139,000 | $ 139,000 | $ 151,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 206,000 | $ 206,000 | $ 205,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
| Dayton, OH | 1 | $ 54,000 | $ 54,000 | $ 61,000 |
| Gary, IN | 1 | $ 236,000 | $ 236,000 | $ 198,000 |
| Jackson, MI | 1 | $ 265,000 | $ 265,000 | $ 554,000 |
| Lafayette-West Lafayette, IN | 1 | $ 54,000 | $ 54,000 | $ 69,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 250,000 | $ 250,000 | $ 130,000 |
| Owensboro, KY | 1 | $ 543,000 | $ 543,000 | $ 62,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 170,000 | $ 170,000 | $ 186,000 |
| Pittsburgh, PA | 1 | $ 39,000 | $ 39,000 | $ 45,000 |
| Topeka, KS | 1 | $ 82,000 | $ 82,000 | $ 114,000 |
| York-Hanover, PA | 1 | $ 130,000 | $ 130,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2015
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 | 906 | $204,939,000 | $226,000 | $12,604,000 | $90,000 | $1,048,000 |
| Refinancing | 507 | $103,932,000 | $204,000 | $2,050,000 | $100,000 | $1,409,000 |
| Home Improvement | 57 | $4,230,000 | $74,000 | $525,000 | $109,000 | $932,000 |
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 | 1,197 | $208,344,000 | $174,000 | $1,675,000 | $98,000 | $1,409,000 |
| Not applicable | 70 | $65,618,000 | $937,000 | $12,604,000 | $0 | $0 |
| Black or African American | 66 | $9,303,000 | $140,000 | $650,000 | $62,000 | $298,000 |
| Not Provided | 59 | $14,616,000 | $247,000 | $1,029,000 | $149,000 | $886,000 |
| Asian | 46 | $11,185,000 | $243,000 | $1,211,000 | $119,000 | $586,000 |
| Hispanic | 27 | $3,067,000 | $113,000 | $249,000 | $111,000 | $932,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $873,000 | $218,000 | $595,000 | $96,000 | $200,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $42,000 | $42,000 |
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) | 1,215 | $279,837,000 | $230,000 | $12,604,000 | $103,000 | $1,409,000 |
| FHA-insured (Federal Housing Administration) | 176 | $21,647,000 | $122,000 | $289,000 | $49,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 45 | $7,441,000 | $165,000 | $346,000 | $68,000 | $200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,176,000 | $122,000 | $194,000 | $41,000 | $82,000 |
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 | 938 | $212,067,000 | $226,000 | $12,604,000 | $98,000 | $1,409,000 |
| Application Denied By Financial Institution | 169 | $30,397,000 | $179,000 | $1,211,000 | $84,000 | $840,000 |
| Preapproval Denied by Financial Institution | 147 | $18,484,000 | $125,000 | $1,170,000 | $54,000 | $754,000 |
| Application Withdrawn By Applicant | 119 | $25,414,000 | $213,000 | $1,148,000 | $126,000 | $814,000 |
| Application Approved But Not Accepted | 69 | $21,359,000 | $309,000 | $2,050,000 | $98,000 | $575,000 |
| File Closed For Incompleteness | 28 | $5,380,000 | $192,000 | $530,000 | $112,000 | $578,000 |
| 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 2015 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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