Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2016
In 2016, Stock Yards Bank & Trust Company of Louisville, KY reported 1,625 mortgage applications totaling $364.3 million, up 11% from 2015. The average application was for $224,202, and applicants reported an average income of $94,460. 62% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,222), Indianapolis-Carmel-Anderson, IN (90) and Cincinnati, OH-KY-IN (88) (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 | 1,625 |
| Total Mortgage Loan Application Amount | $364,329,000 |
| Average Mortgage Loan Application Amount | $224,202 |
| Highest Mortgage Loan Application Amount | $16,000,000 |
| Average Applicant Income | $94,460 |
| Highest Applicant Income | $3,350,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,222 | $ 240,275,000 | $ 196,624 | $ 84,882 |
| Indianapolis-Carmel-Anderson, IN | 90 | $ 34,256,000 | $ 380,622 | $ 249,000 |
| Cincinnati, OH-KY-IN | 88 | $ 42,461,000 | $ 482,511 | $ 92,250 |
| Lexington-Fayette, KY | 9 | $ 1,196,000 | $ 132,888 | $ 32,000 |
| Elizabethtown-Fort Knox, KY | 8 | $ 978,000 | $ 122,250 | $ 81,000 |
| Dayton, OH | 6 | $ 13,928,000 | $ 2,321,333 | $ 59,000 |
| Bowling Green, KY | 3 | $ 552,000 | $ 184,000 | $ 122,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 750,000 | $ 375,000 | $ 113,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 252,000 | $ 126,000 | $ 101,000 |
| Athens-Clarke County, GA | 1 | $ 80,000 | $ 80,000 | $ 125,000 |
| Bloomington, IN | 1 | $ 486,000 | $ 486,000 | $ 550,000 |
| Columbus, OH | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 255,000 | $ 255,000 | $ 180,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 66,000 | $ 66,000 | $ 61,000 |
| Fort Wayne, IN | 1 | $ 610,000 | $ 610,000 | $ 172,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 420,000 | $ 420,000 | $ 413,000 |
| New Orleans-Metairie, LA | 1 | $ 178,000 | $ 178,000 | $ 229,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 2,860,000 | $ 2,860,000 | $ 3,350,000 |
| St. Louis, MO-IL | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Terre Haute, IN | 1 | $ 72,000 | $ 72,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2016
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 | 989 | $200,692,000 | $202,000 | $8,965,000 | $91,000 | $3,350,000 |
| Refinancing | 569 | $127,198,000 | $223,000 | $16,000,000 | $99,000 | $1,590,000 |
| Home Improvement | 67 | $36,439,000 | $543,000 | $11,000,000 | $107,000 | $742,000 |
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 | 1,255 | $215,209,000 | $171,000 | $2,860,000 | $102,000 | $3,350,000 |
| Not applicable | 161 | $107,128,000 | $665,000 | $16,000,000 | $0 | $0 |
| Black or African American | 78 | $10,420,000 | $133,000 | $875,000 | $67,000 | $500,000 |
| Not Provided | 72 | $21,210,000 | $294,000 | $1,500,000 | $180,000 | $1,100,000 |
| Asian | 30 | $6,014,000 | $200,000 | $1,283,000 | $100,000 | $550,000 |
| Hispanic | 22 | $2,649,000 | $120,000 | $292,000 | $173,000 | $1,800,000 |
| American Indian or Alaskan Native | 5 | $686,000 | $137,000 | $174,000 | $139,000 | $371,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $1,013,000 | $506,000 | $750,000 | $333,000 | $582,000 |
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) | 1,311 | $323,695,000 | $246,000 | $16,000,000 | $106,000 | $3,350,000 |
| FHA-insured (Federal Housing Administration) | 216 | $26,141,000 | $121,000 | $287,000 | $46,000 | $216,000 |
| VA-guaranteed (Veterans Administration) | 71 | $11,229,000 | $158,000 | $389,000 | $52,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $3,264,000 | $120,000 | $210,000 | $45,000 | $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 | 1,004 | $236,566,000 | $235,000 | $16,000,000 | $89,000 | $3,350,000 |
| Application Denied By Financial Institution | 196 | $38,322,000 | $195,000 | $1,500,000 | $99,000 | $1,590,000 |
| Application Withdrawn By Applicant | 178 | $40,239,000 | $226,000 | $3,000,000 | $145,000 | $1,800,000 |
| Preapproval Denied by Financial Institution | 146 | $18,046,000 | $123,000 | $1,100,000 | $51,000 | $1,253,000 |
| Application Approved But Not Accepted | 50 | $22,218,000 | $444,000 | $10,500,000 | $143,000 | $742,000 |
| File Closed For Incompleteness | 44 | $8,127,000 | $184,000 | $900,000 | $100,000 | $696,000 |
| Loan Purchased By The Institution | 7 | $811,000 | $115,000 | $262,000 | $64,000 | $107,000 |
| 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 2016 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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