Fnb Bank Inc Mortgage Lending & HMDA Data, 2019
In 2019, Fnb Bank Inc of Mayfield, KY reported 245 mortgage applications totaling $26.7 million, down 14% from 2018. The average application was for $109,163, and applicants reported an average income of $102,028. 76% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Clarksville, TN-KY (54), Carbondale-Marion, IL (1) and Daphne-Fairhope-Foley, AL (1) (applications in parentheses).
| Mortgage Company & Address | Fnb Bank Inc 101 E Broadway Mayfield, KY 42066 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 |
| Total Number of Mortgage Applications | 245 |
| Total Mortgage Loan Application Amount | $26,745,000 |
| Average Mortgage Loan Application Amount | $109,163 |
| Highest Mortgage Loan Application Amount | $2,115,000 |
| Average Applicant Income | $102,028 |
| Highest Applicant Income | $2,184,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Fnb Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Fnb Bank Inc in 2019
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 | 138 | $18,510,000 | $134,000 | $2,115,000 | $121,000 | $2,184,000 |
| Refinancing | 62 | $6,490,000 | $104,000 | $785,000 | $87,000 | $525,000 |
| Other Purpose | 25 | $875,000 | $35,000 | $75,000 | $61,000 | $228,000 |
| Home Improvement | 20 | $870,000 | $43,000 | $105,000 | $69,000 | $446,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 208 | $20,150,000 | $96,000 | $515,000 | $103,000 | $2,184,000 |
| Not applicable | 29 | $5,895,000 | $203,000 | $2,115,000 | $0 | $0 |
| Black or African American | 5 | $525,000 | $105,000 | $155,000 | $59,000 | $90,000 |
| Hispanic | 1 | $35,000 | $35,000 | $35,000 | $34,000 | $34,000 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $87,000 | $87,000 |
| Asian | 1 | $15,000 | $15,000 | $15,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 233 | $25,635,000 | $110,000 | $2,115,000 | $105,000 | $2,184,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $585,000 | $83,000 | $155,000 | $48,000 | $67,000 |
| FHA-insured (Federal Housing Administration) | 4 | $390,000 | $97,000 | $145,000 | $57,000 | $81,000 |
| VA-guaranteed (Veterans Administration) | 1 | $135,000 | $135,000 | $135,000 | $71,000 | $71,000 |
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 | 185 | $18,635,000 | $100,000 | $785,000 | $111,000 | $2,184,000 |
| Application Withdrawn By Applicant | 30 | $3,430,000 | $114,000 | $425,000 | $71,000 | $173,000 |
| Application Denied By Financial Institution | 22 | $1,450,000 | $65,000 | $195,000 | $46,000 | $152,000 |
| Application Approved But Not Accepted | 6 | $3,090,000 | $515,000 | $2,115,000 | $357,000 | $621,000 |
| File Closed For Incompleteness | 2 | $140,000 | $70,000 | $95,000 | $59,000 | $74,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 245 | $26,745,000 | $109,000 | $2,115,000 | $102,000 | $2,184,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Fnb Bank Inc's 2019 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 Fnb Bank Inc'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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