Field & Main Bank Mortgage Lending & HMDA Data, 2013
In 2013, Field & Main Bank of Henderson, KY reported 347 mortgage applications totaling $41.4 million, down 7% from 2012. The average application was for $119,423, and applicants reported an average income of $79,795. 78% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Evansville, IN-KY (320), Lexington-Fayette, KY (8) and Owensboro, KY (2) (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 | 347 |
| Total Mortgage Loan Application Amount | $41,440,000 |
| Average Mortgage Loan Application Amount | $119,423 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $79,795 |
| Highest Applicant Income | $887,000 |
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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 286 | $ 31,090,000 | $ 108,706 | $ 80,000 |
| Vanderburgh, Indiana | 14 | $ 1,011,000 | $ 72,214 | $ 74,000 |
| Warrick, Indiana | 13 | $ 1,689,000 | $ 129,923 | $ 99,000 |
| Fayette, Kentucky | 8 | $ 4,797,000 | $ 599,625 | $ 16,000 |
| Webster, Kentucky | 6 | $ 538,000 | $ 89,666 | $ 69,000 |
| Union, Kentucky | 5 | $ 371,000 | $ 74,200 | $ 52,000 |
| Daviess, Kentucky | 2 | $ 232,000 | $ 116,000 | $ 89,000 |
| Hopkins, Kentucky | 2 | $ 45,000 | $ 22,500 | $ 49,000 |
| Gallatin, Illinois | 1 | $ 82,000 | $ 82,000 | $ 107,000 |
| Crawford, Indiana | 1 | $ 144,000 | $ 144,000 | $ 62,000 |
| Gibson, Indiana | 1 | $ 67,000 | $ 67,000 | $ 19,000 |
| Jefferson, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 13,000 |
| Livingston, Kentucky | 1 | $ 200,000 | $ 200,000 | $ 560,000 |
| Lyon, Kentucky | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Marshall, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 76,000 |
| Trigg, Kentucky | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Lafayette, Mississippi | 1 | $ 280,000 | $ 280,000 | $ 114,000 |
| Gallia, Ohio | 1 | $ 196,000 | $ 196,000 | $ 400,000 |
| Davidson, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
Mortgage Loan Application Detail Totals for Field & Main Bank 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 | 179 | $22,368,000 | $124,000 | $3,000,000 | $81,000 | $887,000 |
| Home Purchase | 157 | $18,658,000 | $118,000 | $2,210,000 | $81,000 | $730,000 |
| Home Improvement | 11 | $414,000 | $37,000 | $89,000 | $43,000 | $82,000 |
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 | 288 | $29,642,000 | $102,000 | $479,000 | $84,000 | $887,000 |
| Not applicable | 23 | $8,144,000 | $354,000 | $3,000,000 | $4,000 | $98,000 |
| Not Provided | 21 | $2,531,000 | $120,000 | $292,000 | $133,000 | $559,000 |
| Black or African American | 12 | $953,000 | $79,000 | $172,000 | $42,000 | $81,000 |
| Hispanic | 1 | $68,000 | $68,000 | $68,000 | $65,000 | $65,000 |
| American Indian or Alaskan Native | 1 | $52,000 | $52,000 | $52,000 | $85,000 | $85,000 |
| Asian | 1 | $50,000 | $50,000 | $50,000 | $13,000 | $13,000 |
| 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) | 347 | $41,440,000 | $119,000 | $3,000,000 | $80,000 | $887,000 |
| 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 | 270 | $34,528,000 | $127,000 | $3,000,000 | $83,000 | $887,000 |
| Application Denied By Financial Institution | 48 | $4,079,000 | $84,000 | $300,000 | $58,000 | $165,000 |
| Application Withdrawn By Applicant | 17 | $1,494,000 | $87,000 | $190,000 | $70,000 | $185,000 |
| Application Approved But Not Accepted | 10 | $1,241,000 | $124,000 | $205,000 | $124,000 | $400,000 |
| File Closed For Incompleteness | 2 | $98,000 | $49,000 | $66,000 | $13,000 | $26,000 |
| 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 | 32 | $2,528,000 | $79,000 | $300,000 | $57,000 | $123,000 |
| Debt-To-Income Ratio | 10 | $1,070,000 | $107,000 | $243,000 | $54,000 | $165,000 |
| Collateral | 2 | $138,000 | $69,000 | $85,000 | $59,000 | $80,000 |
| Other | 2 | $210,000 | $105,000 | $136,000 | $44,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $15,000 | $15,000 | $15,000 | $98,000 | $98,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Field & Main Bank'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 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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