Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2018
In 2018, Stock Yards Bank & Trust Company of Louisville, KY reported 1,894 mortgage applications totaling $384.7 million, up 43% from 2017. The average application was for $203,130, and applicants reported an average income of $136,796. 66% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,484), Cincinnati, OH-KY-IN (158) and Indianapolis-Carmel-Anderson, IN (99) (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 | 1,894 |
| Total Mortgage Loan Application Amount | $384,730,000 |
| Average Mortgage Loan Application Amount | $203,130 |
| Highest Mortgage Loan Application Amount | $21,135,000 |
| Average Applicant Income | $136,796 |
| Highest Applicant Income | $8,394,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,484 | $ 214,590,000 | $ 144,602 | $ 119,386 |
| Cincinnati, OH-KY-IN | 158 | $ 70,780,000 | $ 447,974 | $ 153,993 |
| Indianapolis-Carmel-Anderson, IN | 99 | $ 40,625,000 | $ 410,353 | $ 247,000 |
| Outside any metro area | 58 | $ 8,610,000 | $ 148,448 | $ 106,236 |
| Lexington-Fayette, KY | 10 | $ 1,980,000 | $ 198,000 | $ 280,000 |
| Elizabethtown-Fort Knox, KY | 9 | $ 835,000 | $ 92,777 | $ 71,000 |
| Bowling Green, KY | 4 | $ 380,000 | $ 95,000 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 9,240,000 | $ 2,310,000 | $ 238,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,250,000 | $ 312,500 | $ 316,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,835,000 | $ 611,666 | $ 998,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 430,000 | $ 215,000 | $ 73,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 610,000 | $ 305,000 | $ 460,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 450,000 | $ 225,000 | $ 911,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 1,780,000 | $ 890,000 | $ 62,000 |
| Port St. Lucie, FL | 2 | $ 2,480,000 | $ 1,240,000 | $ 79,000 |
| San Antonio-New Braunfels, TX | 2 | $ 5,010,000 | $ 2,505,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 500,000 | $ 250,000 | $ 415,000 |
| Bloomington, IN | 1 | $ 365,000 | $ 365,000 | $ 578,000 |
| Brunswick, GA | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 425,000 | $ 425,000 | $ 162,000 |
| Charleston-North Charleston, SC | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 555,000 | $ 555,000 | $ 1,197,000 |
| Dayton, OH | 1 | $ 4,285,000 | $ 4,285,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Evansville, IN-KY | 1 | $ 215,000 | $ 215,000 | $ 194,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 135,000 | $ 135,000 | $ 550,000 |
| Fort Wayne, IN | 1 | $ 325,000 | $ 325,000 | $ 654,000 |
| Gainesville, GA | 1 | $ 295,000 | $ 295,000 | $ 94,000 |
| Kokomo, IN | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lafayette-West Lafayette, IN | 1 | $ 125,000 | $ 125,000 | $ 464,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Midland, MI | 1 | $ 305,000 | $ 305,000 | $ 460,000 |
| Modesto, CA | 1 | $ 2,855,000 | $ 2,855,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 3,005,000 | $ 3,005,000 | $ 3,075,000 |
| Wichita, KS | 1 | $ 185,000 | $ 185,000 | $ 93,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2018
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 | 782 | $238,240,000 | $304,000 | $21,135,000 | $118,000 | $2,855,000 |
| Refinancing | 423 | $78,735,000 | $186,000 | $3,005,000 | $200,000 | $8,394,000 |
| Other Purpose | 286 | $23,650,000 | $82,000 | $755,000 | $127,000 | $1,808,000 |
| Home Improvement | 275 | $21,785,000 | $79,000 | $1,595,000 | $125,000 | $850,000 |
| Cash-out Refinancing | 128 | $22,320,000 | $174,000 | $725,000 | $90,000 | $517,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,502 | $220,060,000 | $146,000 | $3,005,000 | $138,000 | $8,394,000 |
| Not Provided | 135 | $21,815,000 | $161,000 | $655,000 | $139,000 | $837,000 |
| Not applicable | 134 | $123,210,000 | $919,000 | $21,135,000 | $0 | $0 |
| Black or African American | 48 | $4,860,000 | $101,000 | $615,000 | $51,000 | $135,000 |
| Asian | 31 | $7,285,000 | $235,000 | $1,805,000 | $137,000 | $903,000 |
| Hispanic | 30 | $5,310,000 | $177,000 | $455,000 | $165,000 | $1,308,000 |
| American Indian or Alaskan Native | 6 | $440,000 | $73,000 | $155,000 | $40,000 | $105,000 |
| 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) | 1,779 | $366,625,000 | $206,000 | $21,135,000 | $141,000 | $8,394,000 |
| FHA-insured (Federal Housing Administration) | 74 | $10,490,000 | $141,000 | $285,000 | $58,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,740,000 | $220,000 | $455,000 | $80,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,875,000 | $125,000 | $235,000 | $41,000 | $69,000 |
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 | 1,242 | $247,920,000 | $199,000 | $12,885,000 | $149,000 | $8,394,000 |
| Application Denied By Financial Institution | 306 | $46,560,000 | $152,000 | $11,955,000 | $90,000 | $1,680,000 |
| Application Withdrawn By Applicant | 237 | $69,125,000 | $291,000 | $21,135,000 | $138,000 | $1,059,000 |
| File Closed For Incompleteness | 31 | $7,445,000 | $240,000 | $805,000 | $106,000 | $448,000 |
| Preapproval Approved but not Accepted | 25 | $7,675,000 | $307,000 | $965,000 | $240,000 | $1,625,000 |
| Application Approved But Not Accepted | 23 | $2,495,000 | $108,000 | $575,000 | $103,000 | $271,000 |
| Loan Purchased By The Institution | 20 | $1,920,000 | $96,000 | $215,000 | $56,000 | $182,000 |
| Preapproval Denied by Financial Institution | 10 | $1,590,000 | $159,000 | $405,000 | $42,000 | $120,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,578 | $336,580,000 | $213,000 | $21,135,000 | $146,000 | $8,394,000 |
| Debt-To-Income Ratio | 97 | $26,005,000 | $268,000 | $11,955,000 | $66,000 | $614,000 |
| Credit History | 82 | $4,950,000 | $60,000 | $345,000 | $65,000 | $215,000 |
| Other | 58 | $8,110,000 | $139,000 | $855,000 | $80,000 | $578,000 |
| Collateral | 44 | $3,470,000 | $78,000 | $565,000 | $147,000 | $1,565,000 |
| Employment History | 17 | $2,475,000 | $145,000 | $805,000 | $72,000 | $438,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $675,000 | $96,000 | $135,000 | $44,000 | $76,000 |
| Credit Application Incomplete | 6 | $540,000 | $90,000 | $155,000 | $508,000 | $1,680,000 |
| Unverifiable Information | 5 | $1,925,000 | $385,000 | $725,000 | $146,000 | $216,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2018 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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