Stock Yards Bank & Trust Company Mortgage Lending & HMDA Data, 2024
In 2024, Stock Yards Bank & Trust Company of Louisville, KY reported 3,447 mortgage applications totaling $1.0 billion, down 1% from 2023. The average application was for $300,715, and applicants reported an average income of $147,560. 65% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (2,109), Lexington-Fayette, KY (470) and Cincinnati, OH-KY-IN (195) (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 | 3,447 |
| Total Mortgage Loan Application Amount | $1,036,565,000 |
| Average Mortgage Loan Application Amount | $300,715 |
| Highest Mortgage Loan Application Amount | $55,005,000 |
| Average Applicant Income | $147,560 |
| Highest Applicant Income | $3,900,000 |
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Stock Yards Bank & Trust Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 1,570 | $668,200,000 | $425,000 | $55,005,000 | $126,000 | $3,039,000 |
| Home Improvement | 675 | $91,545,000 | $135,000 | $15,565,000 | $144,000 | $3,900,000 |
| Other Purpose | 589 | $84,055,000 | $142,000 | $5,005,000 | $168,000 | $3,689,000 |
| Refinancing | 512 | $173,390,000 | $338,000 | $15,005,000 | $205,000 | $3,451,000 |
| Cash-out Refinancing | 97 | $18,885,000 | $194,000 | $485,000 | $94,000 | $720,000 |
| Not Applicable | 4 | $490,000 | $122,000 | $165,000 | $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 | 2,477 | $479,845,000 | $193,000 | $5,005,000 | $155,000 | $3,900,000 |
| Not applicable | 335 | $441,325,000 | $1,317,000 | $55,005,000 | $0 | $0 |
| Black or African American | 197 | $26,765,000 | $135,000 | $755,000 | $78,000 | $1,109,000 |
| Hispanic | 190 | $30,480,000 | $160,000 | $725,000 | $68,000 | $675,000 |
| Not Provided | 170 | $36,580,000 | $215,000 | $1,205,000 | $172,000 | $1,584,000 |
| Asian | 64 | $19,580,000 | $305,000 | $1,505,000 | $225,000 | $3,046,000 |
| American Indian or Alaskan Native | 11 | $1,555,000 | $141,000 | $305,000 | $80,000 | $226,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $175,000 | $1,374,000 | $2,698,000 |
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) | 3,219 | $981,265,000 | $304,000 | $55,005,000 | $152,000 | $3,900,000 |
| FHA-insured (Federal Housing Administration) | 185 | $42,655,000 | $230,000 | $495,000 | $86,000 | $190,000 |
| VA-guaranteed (Veterans Administration) | 38 | $11,680,000 | $307,000 | $765,000 | $108,000 | $525,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $965,000 | $193,000 | $225,000 | $71,000 | $100,000 |
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 | 2,255 | $779,985,000 | $345,000 | $55,005,000 | $160,000 | $3,689,000 |
| Application Denied By Financial Institution | 734 | $115,060,000 | $156,000 | $12,055,000 | $111,000 | $3,900,000 |
| Application Withdrawn By Applicant | 368 | $120,600,000 | $327,000 | $11,505,000 | $144,000 | $2,120,000 |
| Application Approved But Not Accepted | 37 | $10,015,000 | $270,000 | $2,805,000 | $239,000 | $1,287,000 |
| File Closed For Incompleteness | 29 | $6,395,000 | $220,000 | $1,365,000 | $134,000 | $864,000 |
| Loan Purchased By The Institution | 18 | $2,890,000 | $160,000 | $315,000 | $0 | $0 |
| Preapproval Denied by Financial Institution | 4 | $730,000 | $182,000 | $275,000 | $51,000 | $63,000 |
| Preapproval Approved but not Accepted | 2 | $890,000 | $445,000 | $755,000 | $176,000 | $293,000 |
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 | 2,709 | $920,775,000 | $339,000 | $55,005,000 | $159,000 | $3,689,000 |
| Debt-To-Income Ratio | 287 | $43,105,000 | $150,000 | $2,445,000 | $71,000 | $638,000 |
| Credit History | 266 | $27,250,000 | $102,000 | $3,195,000 | $130,000 | $3,900,000 |
| Collateral | 58 | $8,130,000 | $140,000 | $1,235,000 | $152,000 | $881,000 |
| Credit Application Incomplete | 44 | $12,800,000 | $290,000 | $8,075,000 | $229,000 | $1,500,000 |
| Other | 41 | $6,805,000 | $165,000 | $655,000 | $100,000 | $395,000 |
| Employment History | 26 | $3,080,000 | $118,000 | $315,000 | $80,000 | $469,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $14,480,000 | $1,206,000 | $12,055,000 | $133,000 | $600,000 |
| Unverifiable Information | 4 | $140,000 | $35,000 | $55,000 | $91,000 | $144,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Stock Yards Bank & Trust Company's 2024 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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