Field & Main Bank Mortgage Lending & HMDA Data, 2011
In 2011, Field & Main Bank of Henderson, KY reported 328 mortgage applications totaling $34.2 million, down 5% from 2010. The average application was for $104,414, and applicants reported an average income of $81,439. 81% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Evansville, IN-KY (311), Owensboro, KY (3) and Clarksville, TN-KY (1) (applications in parentheses).
| Mortgage Company & Address | Field & Main Bank 140 N. Main St. Henderson, KY 42420 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 |
| Total Number of Mortgage Applications | 328 |
| Total Mortgage Loan Application Amount | $34,248,000 |
| Average Mortgage Loan Application Amount | $104,414 |
| Highest Mortgage Loan Application Amount | $507,000 |
| Average Applicant Income | $81,439 |
| Highest Applicant Income | $646,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Henderson, Kentucky | 291 | $ 29,089,000 | $ 99,962 | $ 77,000 |
| Vanderburgh, Indiana | 9 | $ 826,000 | $ 91,777 | $ 97,000 |
| Warrick, Indiana | 8 | $ 1,476,000 | $ 184,500 | $ 114,000 |
| Union, Kentucky | 4 | $ 356,000 | $ 89,000 | $ 94,000 |
| Daviess, Kentucky | 3 | $ 72,000 | $ 24,000 | $ 140,000 |
| Webster, Kentucky | 3 | $ 276,000 | $ 92,000 | $ 77,000 |
| Hopkins, Kentucky | 2 | $ 427,000 | $ 213,500 | $ 259,000 |
| Walton, Florida | 1 | $ 405,000 | $ 405,000 | $ 271,000 |
| Breckinridge, Kentucky | 1 | $ 44,000 | $ 44,000 | $ 110,000 |
| Franklin, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 261,000 |
| Jefferson, Kentucky | 1 | $ 119,000 | $ 119,000 | $ 98,000 |
| Lyon, Kentucky | 1 | $ 246,000 | $ 246,000 | $ 214,000 |
| Trigg, Kentucky | 1 | $ 16,000 | $ 16,000 | $ 56,000 |
| Beaufort, South Carolina | 1 | $ 507,000 | $ 507,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 169,000 | $ 169,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Field & Main Bank in 2011
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 | 197 | $22,065,000 | $112,000 | $507,000 | $86,000 | $646,000 |
| Home Purchase | 120 | $11,772,000 | $98,000 | $310,000 | $75,000 | $416,000 |
| Home Improvement | 11 | $411,000 | $37,000 | $100,000 | $70,000 | $200,000 |
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 | 278 | $28,402,000 | $102,000 | $405,000 | $85,000 | $646,000 |
| Not Provided | 27 | $2,743,000 | $101,000 | $417,000 | $90,000 | $416,000 |
| Not applicable | 16 | $2,369,000 | $148,000 | $507,000 | $0 | $0 |
| Black or African American | 3 | $266,000 | $88,000 | $121,000 | $100,000 | $131,000 |
| Hispanic | 3 | $276,000 | $92,000 | $120,000 | $77,000 | $105,000 |
| Asian | 1 | $192,000 | $192,000 | $192,000 | $84,000 | $84,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 328 | $34,248,000 | $104,000 | $507,000 | $81,000 | $646,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 266 | $28,192,000 | $105,000 | $507,000 | $84,000 | $646,000 |
| Application Denied By Financial Institution | 28 | $2,179,000 | $77,000 | $142,000 | $48,000 | $146,000 |
| Application Withdrawn By Applicant | 23 | $2,359,000 | $102,000 | $417,000 | $81,000 | $274,000 |
| Application Approved But Not Accepted | 10 | $1,413,000 | $141,000 | $278,000 | $104,000 | $276,000 |
| File Closed For Incompleteness | 1 | $105,000 | $105,000 | $105,000 | $52,000 | $52,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 19 | $1,519,000 | $79,000 | $142,000 | $53,000 | $146,000 |
| Debt-To-Income Ratio | 4 | $339,000 | $84,000 | $131,000 | $31,000 | $61,000 |
| Employment History | 1 | $20,000 | $20,000 | $20,000 | $22,000 | $22,000 |
| Collateral | 1 | $66,000 | $66,000 | $66,000 | $81,000 | $81,000 |
| Credit Application Incomplete | 1 | $123,000 | $123,000 | $123,000 | $30,000 | $30,000 |
| Other | 1 | $62,000 | $62,000 | $62,000 | $57,000 | $57,000 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Field & Main Bank's 2011 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 Field & Main Bank'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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with aggregated HMDA statistics today.
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