Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2007
In 2007, Stock Yards Bank & Trust Company of Louisville, KY reported 1,348 mortgage applications totaling $194.3 million, down 9% from 2006. The average application was for $144,152, and applicants reported an average income of $82,988. 61% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Louisville-Jefferson County, KY-IN (1,080), Indianapolis-Carmel, IN (103) and Washington-Arlington-Alexandria, DC-VA-MD-WV (6) (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 | 1,348 |
| Total Mortgage Loan Application Amount | $194,318,000 |
| Average Mortgage Loan Application Amount | $144,152 |
| Highest Mortgage Loan Application Amount | $1,926,000 |
| Average Applicant Income | $82,988 |
| Highest Applicant Income | $995,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Stock Yards Bank & Trust Company in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 626 | $100,718,000 | $160,000 | $1,784,000 | $83,000 | $840,000 |
| Home Purchase | 601 | $89,040,000 | $148,000 | $1,926,000 | $87,000 | $995,000 |
| Home Improvement | 121 | $4,560,000 | $37,000 | $1,000,000 | $63,000 | $448,000 |
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 | 1,054 | $142,618,000 | $135,000 | $1,200,000 | $84,000 | $849,000 |
| Not Provided | 139 | $19,386,000 | $139,000 | $800,000 | $104,000 | $628,000 |
| Black or African American | 59 | $8,054,000 | $136,000 | $775,000 | $71,000 | $350,000 |
| Not applicable | 51 | $16,802,000 | $329,000 | $1,926,000 | $0 | $0 |
| Asian | 24 | $4,032,000 | $168,000 | $578,000 | $133,000 | $995,000 |
| Hispanic | 17 | $2,981,000 | $175,000 | $425,000 | $74,000 | $181,000 |
| American Indian or Alaskan Native | 4 | $445,000 | $111,000 | $150,000 | $108,000 | $344,000 |
| 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) | 1,039 | $156,356,000 | $150,000 | $1,926,000 | $94,000 | $995,000 |
| FHA-insured (Federal Housing Administration) | 291 | $35,337,000 | $121,000 | $264,000 | $45,000 | $217,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,625,000 | $145,000 | $255,000 | $60,000 | $124,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 826 | $118,499,000 | $143,000 | $1,926,000 | $90,000 | $849,000 |
| Application Denied By Financial Institution | 196 | $24,050,000 | $122,000 | $944,000 | $55,000 | $420,000 |
| Application Withdrawn By Applicant | 126 | $23,452,000 | $186,000 | $1,200,000 | $81,000 | $350,000 |
| Preapproval Denied by Financial Institution | 72 | $8,946,000 | $124,000 | $429,000 | $46,000 | $181,000 |
| Application Approved But Not Accepted | 68 | $8,790,000 | $129,000 | $788,000 | $130,000 | $995,000 |
| File Closed For Incompleteness | 60 | $10,581,000 | $176,000 | $970,000 | $77,000 | $660,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2007 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.
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