Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2021
In 2021, Stock Yards Bank & Trust Company of Louisville, KY reported 3,154 mortgage applications totaling $684.7 million, up 7% from 2020. The average application was for $217,092, and applicants reported an average income of $124,881. 70% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,998), Lexington-Fayette, KY (262) and Cincinnati, OH-KY-IN (230) (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 | 3,154 |
| Total Mortgage Loan Application Amount | $684,710,000 |
| Average Mortgage Loan Application Amount | $217,092 |
| Highest Mortgage Loan Application Amount | $13,965,000 |
| Average Applicant Income | $124,881 |
| Highest Applicant Income | $4,290,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,998 | $ 365,590,000 | $ 182,977 | $ 110,857 |
| Outside any metro area | 352 | $ 81,270,000 | $ 230,880 | $ 114,603 |
| Lexington-Fayette, KY | 262 | $ 55,660,000 | $ 212,442 | $ 102,000 |
| Cincinnati, OH-KY-IN | 230 | $ 65,420,000 | $ 284,434 | $ 202,839 |
| Indianapolis-Carmel-Anderson, IN | 156 | $ 46,210,000 | $ 296,217 | $ 202,000 |
| Elizabethtown-Fort Knox, KY | 42 | $ 6,720,000 | $ 160,000 | $ 60,000 |
| Dayton-Springfield-Kettering, OH | 16 | $ 5,650,000 | $ 353,125 | $ 114,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 4,885,000 | $ 697,857 | $ 1,154,000 |
| Bowling Green, KY | 6 | $ 850,000 | $ 141,666 | $ 183,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 6 | $ 1,900,000 | $ 316,666 | $ 163,000 |
| Huntington-Ashland, WV-KY-OH | 6 | $ 710,000 | $ 118,333 | $ 71,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,190,000 | $ 365,000 | $ 351,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,875,000 | $ 375,000 | $ 246,000 |
| Owensboro, KY | 4 | $ 1,350,000 | $ 337,500 | $ 212,000 |
| Daphne-Fairhope-Foley, AL | 3 | $ 495,000 | $ 165,000 | $ 115,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 2,415,000 | $ 805,000 | $ 352,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 685,000 | $ 228,333 | $ 165,333 |
| Charlotte-Concord-Gastonia, NC-SC | 2 | $ 1,590,000 | $ 795,000 | $ 179,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 500,000 | $ 250,000 | $ 54,000 |
| Evansville, IN-KY | 2 | $ 9,760,000 | $ 4,880,000 | $ 0 |
| Gary, IN | 2 | $ 720,000 | $ 360,000 | $ 555,000 |
| Knoxville, TN | 2 | $ 970,000 | $ 485,000 | $ 67,000 |
| Lafayette-West Lafayette, IN | 2 | $ 350,000 | $ 175,000 | $ 261,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 400,000 | $ 200,000 | $ 195,000 |
| Muncie, IN | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Asheville, NC | 1 | $ 155,000 | $ 155,000 | $ 151,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 275,000 | $ 275,000 | $ 660,000 |
| Camden, NJ | 1 | $ 165,000 | $ 165,000 | $ 153,000 |
| Chicago-Naperville, IL | 1 | $ 455,000 | $ 455,000 | $ 411,000 |
| Columbus, IN | 1 | $ 12,065,000 | $ 12,065,000 | $ 0 |
| Columbus, OH | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 545,000 | $ 545,000 | $ 1,099,000 |
| Homosassa Springs, FL | 1 | $ 165,000 | $ 165,000 | $ 85,000 |
| Kokomo, IN | 1 | $ 155,000 | $ 155,000 | $ 179,000 |
| Madison, WI | 1 | $ 175,000 | $ 175,000 | $ 300,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 215,000 | $ 215,000 | $ 118,000 |
| Panama City, FL | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Portland-South Portland, ME | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Savannah, GA | 1 | $ 255,000 | $ 255,000 | $ 55,000 |
| Sumter, SC | 1 | $ 215,000 | $ 215,000 | $ 72,000 |
| The Villages, FL | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2021
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 | 986 | $287,720,000 | $291,000 | $13,965,000 | $124,000 | $4,290,000 |
| Refinancing | 976 | $229,150,000 | $234,000 | $12,065,000 | $133,000 | $2,142,000 |
| Other Purpose | 440 | $51,470,000 | $116,000 | $2,335,000 | $142,000 | $2,142,000 |
| Cash-out Refinancing | 433 | $84,265,000 | $194,000 | $755,000 | $97,000 | $780,000 |
| Home Improvement | 319 | $32,105,000 | $100,000 | $2,175,000 | $117,000 | $716,000 |
| 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 | 2,476 | $448,960,000 | $181,000 | $2,125,000 | $124,000 | $4,290,000 |
| Not Provided | 265 | $56,495,000 | $213,000 | $2,335,000 | $166,000 | $2,279,000 |
| Not applicable | 194 | $141,090,000 | $727,000 | $13,965,000 | $0 | $0 |
| Black or African American | 85 | $11,415,000 | $134,000 | $625,000 | $64,000 | $329,000 |
| Asian | 78 | $15,810,000 | $202,000 | $1,095,000 | $104,000 | $1,185,000 |
| Hispanic | 42 | $8,370,000 | $199,000 | $605,000 | $82,000 | $250,000 |
| American Indian or Alaskan Native | 2 | $170,000 | $85,000 | $105,000 | $43,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $132,000 | $132,000 |
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) | 2,958 | $651,910,000 | $220,000 | $13,965,000 | $130,000 | $4,290,000 |
| FHA-insured (Federal Housing Administration) | 138 | $21,410,000 | $155,000 | $295,000 | $51,000 | $132,000 |
| VA-guaranteed (Veterans Administration) | 31 | $7,105,000 | $229,000 | $415,000 | $86,000 | $235,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,285,000 | $158,000 | $235,000 | $54,000 | $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 | 2,218 | $510,550,000 | $230,000 | $13,965,000 | $128,000 | $2,279,000 |
| Application Denied By Financial Institution | 426 | $52,620,000 | $123,000 | $1,505,000 | $90,000 | $4,290,000 |
| Application Withdrawn By Applicant | 383 | $92,555,000 | $241,000 | $2,015,000 | $149,000 | $3,606,000 |
| File Closed For Incompleteness | 63 | $12,995,000 | $206,000 | $515,000 | $115,000 | $563,000 |
| Application Approved But Not Accepted | 46 | $11,880,000 | $258,000 | $2,275,000 | $131,000 | $1,095,000 |
| Loan Purchased By The Institution | 10 | $1,250,000 | $125,000 | $195,000 | $48,000 | $75,000 |
| Preapproval Approved but not Accepted | 5 | $2,435,000 | $487,000 | $805,000 | $211,000 | $451,000 |
| Preapproval Denied by Financial Institution | 3 | $425,000 | $141,000 | $175,000 | $42,000 | $48,000 |
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 | 2,725 | $631,665,000 | $231,000 | $13,965,000 | $131,000 | $3,606,000 |
| Credit History | 150 | $12,350,000 | $82,000 | $405,000 | $98,000 | $4,290,000 |
| Debt-To-Income Ratio | 116 | $18,490,000 | $159,000 | $1,505,000 | $67,000 | $1,200,000 |
| Other | 82 | $11,960,000 | $145,000 | $755,000 | $79,000 | $411,000 |
| Collateral | 48 | $6,130,000 | $127,000 | $785,000 | $153,000 | $620,000 |
| Employment History | 15 | $2,065,000 | $137,000 | $295,000 | $39,000 | $129,000 |
| Unverifiable Information | 10 | $1,170,000 | $117,000 | $255,000 | $93,000 | $440,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $710,000 | $118,000 | $175,000 | $36,000 | $62,000 |
| Credit Application Incomplete | 2 | $170,000 | $85,000 | $105,000 | $262,000 | $417,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2021 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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