Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2019
In 2019, Stock Yards Bank & Trust Company of Louisville, KY reported 2,228 mortgage applications totaling $395.6 million, up 18% from 2018. The average application was for $177,562, and applicants reported an average income of $129,589. 64% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,760), Cincinnati, OH-KY-IN (156) and Indianapolis-Carmel-Anderson, IN (96) (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 | 2,228 |
| Total Mortgage Loan Application Amount | $395,610,000 |
| Average Mortgage Loan Application Amount | $177,562 |
| Highest Mortgage Loan Application Amount | $9,465,000 |
| Average Applicant Income | $129,589 |
| Highest Applicant Income | $6,522,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,760 | $ 269,320,000 | $ 153,022 | $ 112,120 |
| Cincinnati, OH-KY-IN | 156 | $ 34,160,000 | $ 218,974 | $ 214,057 |
| Indianapolis-Carmel-Anderson, IN | 96 | $ 28,010,000 | $ 291,770 | $ 207,000 |
| Outside any metro area | 89 | $ 13,515,000 | $ 151,853 | $ 103,505 |
| Elizabethtown-Fort Knox, KY | 33 | $ 3,895,000 | $ 118,030 | $ 72,000 |
| Lexington-Fayette, KY | 8 | $ 2,020,000 | $ 252,500 | $ 218,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 775,000 | $ 155,000 | $ 223,000 |
| Naples-Immokalee-Marco Island, FL | 4 | $ 2,140,000 | $ 535,000 | $ 640,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 4,990,000 | $ 1,247,500 | $ 207,000 |
| Bowling Green, KY | 3 | $ 625,000 | $ 208,333 | $ 90,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 395,000 | $ 131,666 | $ 159,000 |
| Evansville, IN-KY | 3 | $ 11,535,000 | $ 3,845,000 | $ 0 |
| Lafayette-West Lafayette, IN | 3 | $ 595,000 | $ 198,333 | $ 4,495,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 590,000 | $ 295,000 | $ 99,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 350,000 | $ 175,000 | $ 51,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,190,000 | $ 595,000 | $ 200,000 |
| Muncie, IN | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Portland-South Portland, ME | 2 | $ 930,000 | $ 465,000 | $ 699,000 |
| Savannah, GA | 2 | $ 460,000 | $ 230,000 | $ 55,000 |
| Charleston-North Charleston, SC | 1 | $ 515,000 | $ 515,000 | $ 86,000 |
| Chattanooga, TN-GA | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Colorado Springs, CO | 1 | $ 405,000 | $ 405,000 | $ 118,000 |
| Columbus, IN | 1 | $ 715,000 | $ 715,000 | $ 344,000 |
| Columbus, OH | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Kokomo, IN | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 345,000 | $ 345,000 | $ 135,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 245,000 | $ 245,000 | $ 54,000 |
| Pittsburgh, PA | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Punta Gorda, FL | 1 | $ 295,000 | $ 295,000 | $ 191,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 415,000 | $ 415,000 | $ 445,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2019
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 | 898 | $209,360,000 | $233,000 | $9,465,000 | $116,000 | $2,993,000 |
| Refinancing | 470 | $88,090,000 | $187,000 | $7,005,000 | $150,000 | $2,217,000 |
| Other Purpose | 410 | $34,100,000 | $83,000 | $745,000 | $126,000 | $2,017,000 |
| Home Improvement | 246 | $21,120,000 | $85,000 | $725,000 | $174,000 | $6,522,000 |
| Cash-out Refinancing | 203 | $42,915,000 | $211,000 | $2,505,000 | $96,000 | $799,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $105,000 | $105,000 |
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 | 1,766 | $272,060,000 | $154,000 | $2,505,000 | $129,000 | $6,522,000 |
| Not Provided | 164 | $29,300,000 | $178,000 | $2,455,000 | $168,000 | $2,476,000 |
| Not applicable | 158 | $74,440,000 | $471,000 | $9,465,000 | $0 | $0 |
| Black or African American | 59 | $6,105,000 | $103,000 | $625,000 | $55,000 | $137,000 |
| Asian | 40 | $7,720,000 | $193,000 | $1,075,000 | $142,000 | $1,417,000 |
| Hispanic | 24 | $3,420,000 | $142,000 | $695,000 | $109,000 | $676,000 |
| American Indian or Alaskan Native | 7 | $955,000 | $136,000 | $325,000 | $65,000 | $206,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $360,000 | $180,000 | $345,000 | $276,000 | $354,000 |
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) | 2,022 | $364,600,000 | $180,000 | $9,465,000 | $138,000 | $6,522,000 |
| FHA-insured (Federal Housing Administration) | 157 | $21,185,000 | $134,000 | $325,000 | $51,000 | $189,000 |
| VA-guaranteed (Veterans Administration) | 37 | $7,895,000 | $213,000 | $525,000 | $83,000 | $188,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $1,930,000 | $160,000 | $225,000 | $57,000 | $77,000 |
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 | 1,429 | $254,335,000 | $177,000 | $9,465,000 | $145,000 | $6,522,000 |
| Application Denied By Financial Institution | 398 | $45,340,000 | $113,000 | $1,355,000 | $78,000 | $825,000 |
| Application Withdrawn By Applicant | 267 | $71,735,000 | $268,000 | $7,005,000 | $156,000 | $2,017,000 |
| File Closed For Incompleteness | 40 | $10,340,000 | $258,000 | $2,455,000 | $114,000 | $438,000 |
| Loan Purchased By The Institution | 27 | $2,395,000 | $88,000 | $165,000 | $45,000 | $98,000 |
| Preapproval Approved but not Accepted | 26 | $5,100,000 | $196,000 | $755,000 | $77,000 | $322,000 |
| Application Approved But Not Accepted | 25 | $3,905,000 | $156,000 | $305,000 | $112,000 | $320,000 |
| Preapproval Denied by Financial Institution | 16 | $2,460,000 | $153,000 | $405,000 | $44,000 | $108,000 |
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 | 1,814 | $347,810,000 | $191,000 | $9,465,000 | $142,000 | $6,522,000 |
| Credit History | 146 | $12,220,000 | $83,000 | $1,005,000 | $70,000 | $445,000 |
| Debt-To-Income Ratio | 107 | $16,675,000 | $155,000 | $1,355,000 | $60,000 | $274,000 |
| Other | 75 | $9,015,000 | $120,000 | $1,285,000 | $75,000 | $720,000 |
| Collateral | 52 | $5,310,000 | $102,000 | $775,000 | $136,000 | $825,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,455,000 | $163,000 | $415,000 | $61,000 | $146,000 |
| Employment History | 9 | $1,245,000 | $138,000 | $405,000 | $52,000 | $74,000 |
| Unverifiable Information | 6 | $480,000 | $80,000 | $185,000 | $139,000 | $200,000 |
| Credit Application Incomplete | 4 | $400,000 | $100,000 | $305,000 | $88,000 | $116,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2019 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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