Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2020
In 2020, Stock Yards Bank & Trust Company of Louisville, KY reported 2,958 mortgage applications totaling $680.4 million, up 33% from 2019. The average application was for $230,003, and applicants reported an average income of $131,509. 76% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,265), Cincinnati, OH-KY-IN (243) and Indianapolis-Carmel-Anderson, IN (179) (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 | 2,958 |
| Total Mortgage Loan Application Amount | $680,350,000 |
| Average Mortgage Loan Application Amount | $230,003 |
| Highest Mortgage Loan Application Amount | $24,505,000 |
| Average Applicant Income | $131,509 |
| Highest Applicant Income | $3,835,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 1,085 | $234,185,000 | $215,000 | $3,995,000 | $135,000 | $3,835,000 |
| Home Purchase | 885 | $296,365,000 | $334,000 | $24,505,000 | $125,000 | $2,992,000 |
| Cash-out Refinancing | 458 | $90,730,000 | $198,000 | $905,000 | $111,000 | $2,683,000 |
| Other Purpose | 334 | $35,880,000 | $107,000 | $1,425,000 | $150,000 | $1,173,000 |
| Home Improvement | 196 | $23,190,000 | $118,000 | $1,055,000 | $158,000 | $1,270,000 |
| 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 | 2,327 | $441,635,000 | $189,000 | $6,175,000 | $131,000 | $3,835,000 |
| Not Provided | 236 | $48,510,000 | $205,000 | $845,000 | $166,000 | $2,992,000 |
| Not applicable | 198 | $158,200,000 | $798,000 | $24,505,000 | $0 | $0 |
| Black or African American | 78 | $11,440,000 | $146,000 | $575,000 | $78,000 | $540,000 |
| Asian | 73 | $12,305,000 | $168,000 | $595,000 | $96,000 | $1,135,000 |
| Hispanic | 35 | $6,235,000 | $178,000 | $665,000 | $101,000 | $550,000 |
| American Indian or Alaskan Native | 4 | $630,000 | $157,000 | $245,000 | $58,000 | $91,000 |
| 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) | 2,823 | $659,265,000 | $233,000 | $24,505,000 | $135,000 | $3,835,000 |
| FHA-insured (Federal Housing Administration) | 112 | $16,610,000 | $148,000 | $295,000 | $52,000 | $181,000 |
| VA-guaranteed (Veterans Administration) | 19 | $3,835,000 | $201,000 | $375,000 | $71,000 | $169,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $640,000 | $160,000 | $195,000 | $57,000 | $67,000 |
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 | 2,257 | $474,935,000 | $210,000 | $14,945,000 | $137,000 | $3,835,000 |
| Application Denied By Financial Institution | 317 | $45,865,000 | $144,000 | $1,355,000 | $88,000 | $1,800,000 |
| Application Withdrawn By Applicant | 294 | $121,910,000 | $414,000 | $24,505,000 | $143,000 | $1,270,000 |
| Application Approved But Not Accepted | 32 | $26,280,000 | $821,000 | $21,075,000 | $168,000 | $1,033,000 |
| Loan Purchased By The Institution | 28 | $4,150,000 | $148,000 | $345,000 | $66,000 | $337,000 |
| File Closed For Incompleteness | 19 | $4,495,000 | $236,000 | $405,000 | $151,000 | $416,000 |
| Preapproval Denied by Financial Institution | 6 | $1,020,000 | $170,000 | $285,000 | $30,000 | $54,000 |
| Preapproval Approved but not Accepted | 5 | $1,695,000 | $339,000 | $515,000 | $103,000 | $180,000 |
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 | 2,635 | $633,465,000 | $240,000 | $24,505,000 | $137,000 | $3,835,000 |
| Debt-To-Income Ratio | 118 | $19,130,000 | $162,000 | $905,000 | $53,000 | $388,000 |
| Credit History | 69 | $7,085,000 | $102,000 | $1,355,000 | $78,000 | $647,000 |
| Other | 68 | $11,050,000 | $162,000 | $805,000 | $106,000 | $1,800,000 |
| Collateral | 39 | $5,075,000 | $130,000 | $725,000 | $151,000 | $743,000 |
| Unverifiable Information | 14 | $2,180,000 | $155,000 | $375,000 | $169,000 | $697,000 |
| Employment History | 11 | $1,785,000 | $162,000 | $395,000 | $30,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $535,000 | $178,000 | $235,000 | $85,000 | $151,000 |
| Credit Application Incomplete | 1 | $45,000 | $45,000 | $45,000 | $42,000 | $42,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2020 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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