Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2013
In 2013, Stock Yards Bank & Trust Company of Louisville, KY reported 2,077 mortgage applications totaling $420.6 million, down 20% from 2012. The average application was for $202,515, and applicants reported an average income of $96,764. 58% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (1,593), Indianapolis-Carmel, IN (80) and Cincinnati-Middletown, OH-KY-IN (69) (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 | 2,077 |
| Total Mortgage Loan Application Amount | $420,625,000 |
| Average Mortgage Loan Application Amount | $202,515 |
| Highest Mortgage Loan Application Amount | $15,000,000 |
| Average Applicant Income | $96,764 |
| Highest Applicant Income | $2,702,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 1,133 | $244,167,000 | $215,000 | $7,888,000 | $109,000 | $2,702,000 |
| Home Purchase | 886 | $172,739,000 | $194,000 | $15,000,000 | $83,000 | $1,120,000 |
| Home Improvement | 58 | $3,719,000 | $64,000 | $750,000 | $68,000 | $420,000 |
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 | 1,812 | $321,140,000 | $177,000 | $15,000,000 | $102,000 | $2,702,000 |
| Not applicable | 92 | $69,239,000 | $752,000 | $12,000,000 | $0 | $0 |
| Black or African American | 71 | $7,550,000 | $106,000 | $460,000 | $46,000 | $130,000 |
| Not Provided | 48 | $14,915,000 | $310,000 | $1,600,000 | $182,000 | $665,000 |
| Hispanic | 33 | $4,931,000 | $149,000 | $520,000 | $61,000 | $153,000 |
| Asian | 16 | $2,440,000 | $152,000 | $432,000 | $147,000 | $517,000 |
| American Indian or Alaskan Native | 4 | $351,000 | $87,000 | $109,000 | $136,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $59,000 | $59,000 | $59,000 | $47,000 | $47,000 |
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) | 1,705 | $373,642,000 | $219,000 | $15,000,000 | $108,000 | $2,702,000 |
| FHA-insured (Federal Housing Administration) | 271 | $32,480,000 | $119,000 | $305,000 | $45,000 | $203,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,353,000 | $167,000 | $426,000 | $62,000 | $176,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 45 | $5,150,000 | $114,000 | $194,000 | $40,000 | $74,000 |
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 | 1,210 | $259,123,000 | $214,000 | $12,000,000 | $102,000 | $2,702,000 |
| Application Denied By Financial Institution | 271 | $63,438,000 | $234,000 | $15,000,000 | $82,000 | $666,000 |
| Preapproval Denied by Financial Institution | 240 | $30,993,000 | $129,000 | $880,000 | $54,000 | $804,000 |
| Application Withdrawn By Applicant | 182 | $33,709,000 | $185,000 | $1,100,000 | $129,000 | $1,800,000 |
| Application Approved But Not Accepted | 97 | $19,252,000 | $198,000 | $1,750,000 | $121,000 | $1,200,000 |
| File Closed For Incompleteness | 77 | $14,110,000 | $183,000 | $627,000 | $85,000 | $414,000 |
| 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 2013 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About