Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2022
In 2022, Stock Yards Bank & Trust Company of Louisville, KY reported 3,982 mortgage applications totaling $933.9 million, up 26% from 2021. The average application was for $234,522, and applicants reported an average income of $128,352. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,396), Lexington-Fayette, KY (516) and Cincinnati, OH-KY-IN (250) (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 | 3,982 |
| Total Mortgage Loan Application Amount | $933,870,000 |
| Average Mortgage Loan Application Amount | $234,522 |
| Highest Mortgage Loan Application Amount | $31,185,000 |
| Average Applicant Income | $128,352 |
| Highest Applicant Income | $3,404,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,396 | $ 452,660,000 | $ 188,923 | $ 121,489 |
| Lexington-Fayette, KY | 516 | $ 110,410,000 | $ 213,972 | $ 125,000 |
| Outside any metro area | 490 | $ 81,500,000 | $ 166,326 | $ 89,218 |
| Cincinnati, OH-KY-IN | 250 | $ 79,120,000 | $ 316,480 | $ 207,932 |
| Indianapolis-Carmel-Anderson, IN | 167 | $ 58,865,000 | $ 352,485 | $ 186,000 |
| Elizabethtown-Fort Knox, KY | 47 | $ 7,865,000 | $ 167,340 | $ 93,000 |
| Huntington-Ashland, WV-KY-OH | 17 | $ 2,315,000 | $ 136,176 | $ 136,000 |
| Dayton-Springfield-Kettering, OH | 10 | $ 28,180,000 | $ 2,818,000 | $ 190,000 |
| Naples-Immokalee-Marco Island, FL | 8 | $ 3,750,000 | $ 468,750 | $ 559,000 |
| North Port-Sarasota-Bradenton, FL | 7 | $ 3,145,000 | $ 449,285 | $ 232,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 5,100,000 | $ 850,000 | $ 1,143,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 2,325,000 | $ 465,000 | $ 261,000 |
| Bowling Green, KY | 4 | $ 630,000 | $ 157,500 | $ 117,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 2,720,000 | $ 680,000 | $ 436,000 |
| Owensboro, KY | 4 | $ 800,000 | $ 200,000 | $ 60,000 |
| Akron, OH | 3 | $ 665,000 | $ 221,666 | $ 88,000 |
| Bloomington, IN | 3 | $ 3,835,000 | $ 1,278,333 | $ 80,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,575,000 | $ 525,000 | $ 117,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,255,000 | $ 418,333 | $ 160,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 940,000 | $ 470,000 | $ 183,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 260,000 | $ 130,000 | $ 284,000 |
| Florence-Muscle Shoals, AL | 2 | $ 33,400,000 | $ 16,700,000 | $ 0 |
| Huntsville, AL | 2 | $ 6,370,000 | $ 3,185,000 | $ 97,000 |
| Knoxville, TN | 2 | $ 450,000 | $ 225,000 | $ 232,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 2,490,000 | $ 1,245,000 | $ 42,000 |
| Ann Arbor, MI | 1 | $ 455,000 | $ 455,000 | $ 184,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Boston, MA | 1 | $ 455,000 | $ 455,000 | $ 137,000 |
| Charleston-North Charleston, SC | 1 | $ 1,445,000 | $ 1,445,000 | $ 535,000 |
| Clarksville, TN-KY | 1 | $ 115,000 | $ 115,000 | $ 182,000 |
| Cleveland-Elyria, OH | 1 | $ 205,000 | $ 205,000 | $ 125,000 |
| Colorado Springs, CO | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 325,000 | $ 325,000 | $ 59,000 |
| Durham-Chapel Hill, NC | 1 | $ 545,000 | $ 545,000 | $ 130,000 |
| Evansville, IN-KY | 1 | $ 18,505,000 | $ 18,505,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 545,000 | $ 545,000 | $ 380,000 |
| Glens Falls, NY | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,703,000 |
| Homosassa Springs, FL | 1 | $ 195,000 | $ 195,000 | $ 216,000 |
| Johnson City, TN | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Lafayette-West Lafayette, IN | 1 | $ 185,000 | $ 185,000 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 425,000 | $ 425,000 | $ 1,595,000 |
| Port St. Lucie, FL | 1 | $ 235,000 | $ 235,000 | $ 147,000 |
| Punta Gorda, FL | 1 | $ 325,000 | $ 325,000 | $ 53,000 |
| Tulsa, OK | 1 | $ 125,000 | $ 125,000 | $ 48,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 625,000 | $ 625,000 | $ 1,078,000 |
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2022
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 | 1,683 | $571,245,000 | $339,000 | $31,185,000 | $108,000 | $3,240,000 |
| Home Improvement | 743 | $76,025,000 | $102,000 | $6,805,000 | $121,000 | $1,842,000 |
| Refinancing | 654 | $160,450,000 | $245,000 | $5,005,000 | $180,000 | $3,404,000 |
| Other Purpose | 647 | $79,145,000 | $122,000 | $1,125,000 | $153,000 | $2,473,000 |
| Cash-out Refinancing | 248 | $46,040,000 | $185,000 | $685,000 | $88,000 | $784,000 |
| Not Applicable | 7 | $965,000 | $137,000 | $295,000 | $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 | 2,930 | $532,520,000 | $181,000 | $3,065,000 | $132,000 | $3,404,000 |
| Not Provided | 406 | $73,850,000 | $181,000 | $2,005,000 | $148,000 | $2,600,000 |
| Not applicable | 286 | $264,890,000 | $926,000 | $31,185,000 | $0 | $0 |
| Black or African American | 199 | $30,655,000 | $154,000 | $1,685,000 | $73,000 | $768,000 |
| Hispanic | 94 | $16,310,000 | $173,000 | $505,000 | $63,000 | $347,000 |
| Asian | 50 | $11,310,000 | $226,000 | $675,000 | $122,000 | $1,078,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,305,000 | $261,000 | $715,000 | $136,000 | $257,000 |
| American Indian or Alaskan Native | 4 | $540,000 | $135,000 | $205,000 | $87,000 | $120,000 |
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) | 3,775 | $890,585,000 | $235,000 | $31,185,000 | $131,000 | $3,404,000 |
| FHA-insured (Federal Housing Administration) | 160 | $31,310,000 | $195,000 | $425,000 | $78,000 | $585,000 |
| VA-guaranteed (Veterans Administration) | 25 | $7,895,000 | $315,000 | $1,055,000 | $108,000 | $429,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $4,080,000 | $185,000 | $245,000 | $62,000 | $84,000 |
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 | 2,571 | $625,475,000 | $243,000 | $26,275,000 | $145,000 | $3,404,000 |
| Application Denied By Financial Institution | 768 | $83,570,000 | $108,000 | $1,165,000 | $77,000 | $3,240,000 |
| Application Withdrawn By Applicant | 487 | $167,905,000 | $344,000 | $31,185,000 | $126,000 | $2,600,000 |
| File Closed For Incompleteness | 94 | $22,130,000 | $235,000 | $1,055,000 | $121,000 | $910,000 |
| Application Approved But Not Accepted | 37 | $29,095,000 | $786,000 | $16,925,000 | $201,000 | $1,082,000 |
| Loan Purchased By The Institution | 21 | $3,195,000 | $152,000 | $295,000 | $63,000 | $100,000 |
| Preapproval Approved but not Accepted | 2 | $1,430,000 | $715,000 | $855,000 | $550,000 | $639,000 |
| Preapproval Denied by Financial Institution | 2 | $1,070,000 | $535,000 | $965,000 | $43,000 | $43,000 |
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 | 3,212 | $849,230,000 | $264,000 | $31,185,000 | $142,000 | $3,404,000 |
| Debt-To-Income Ratio | 283 | $40,285,000 | $142,000 | $965,000 | $77,000 | $3,240,000 |
| Credit History | 268 | $21,150,000 | $78,000 | $1,165,000 | $67,000 | $375,000 |
| Collateral | 85 | $8,545,000 | $100,000 | $905,000 | $109,000 | $655,000 |
| Other | 57 | $6,685,000 | $117,000 | $355,000 | $78,000 | $555,000 |
| Credit Application Incomplete | 38 | $3,190,000 | $83,000 | $255,000 | $86,000 | $234,000 |
| Unverifiable Information | 17 | $1,235,000 | $72,000 | $195,000 | $78,000 | $245,000 |
| Employment History | 17 | $2,925,000 | $172,000 | $405,000 | $61,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $625,000 | $125,000 | $265,000 | $38,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2022 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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