Field & Main Bank Mortgage Lending & HMDA Data, 2015
In 2015, Field & Main Bank of Henderson, KY reported 350 mortgage applications totaling $50.5 million, up 32% from 2014. The average application was for $144,425, and applicants reported an average income of $91,228. 73% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Evansville, IN-KY (289), Lexington-Fayette, KY (20) and Indianapolis-Carmel-Anderson, IN (3) (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 | 350 |
| Total Mortgage Loan Application Amount | $50,549,000 |
| Average Mortgage Loan Application Amount | $144,425 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $91,228 |
| Highest Applicant Income | $1,870,000 |
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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 205 | $ 24,989,000 | $ 121,897 | $ 77,000 |
| Vanderburgh, Indiana | 54 | $ 6,268,000 | $ 116,074 | $ 95,000 |
| Warrick, Indiana | 27 | $ 2,877,000 | $ 106,555 | $ 97,000 |
| Fayette, Kentucky | 15 | $ 8,768,000 | $ 584,533 | $ 98,000 |
| Harrison, Kentucky | 13 | $ 1,362,000 | $ 104,769 | $ 136,000 |
| Union, Kentucky | 6 | $ 486,000 | $ 81,000 | $ 88,000 |
| Posey, Indiana | 3 | $ 284,000 | $ 94,666 | $ 82,000 |
| Jefferson, Kentucky | 3 | $ 340,000 | $ 113,333 | $ 145,000 |
| Hendricks, Indiana | 2 | $ 534,000 | $ 267,000 | $ 0 |
| Bourbon, Kentucky | 2 | $ 1,085,000 | $ 542,500 | $ 127,000 |
| Crittenden, Kentucky | 2 | $ 220,000 | $ 110,000 | $ 87,000 |
| Daviess, Kentucky | 2 | $ 223,000 | $ 111,500 | $ 54,000 |
| Hopkins, Kentucky | 2 | $ 245,000 | $ 122,500 | $ 92,000 |
| Scott, Kentucky | 2 | $ 853,000 | $ 426,500 | $ 42,000 |
| Baldwin, Alabama | 1 | $ 48,000 | $ 48,000 | $ 141,000 |
| Gibson, Indiana | 1 | $ 145,000 | $ 145,000 | $ 141,000 |
| Marion, Indiana | 1 | $ 146,000 | $ 146,000 | $ 148,000 |
| Pike, Indiana | 1 | $ 50,000 | $ 50,000 | $ 44,000 |
| Clinton, Kentucky | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Fleming, Kentucky | 1 | $ 100,000 | $ 100,000 | $ 80,000 |
| Jessamine, Kentucky | 1 | $ 83,000 | $ 83,000 | $ 0 |
| Marshall, Kentucky | 1 | $ 62,000 | $ 62,000 | $ 96,000 |
| Monroe, Kentucky | 1 | $ 50,000 | $ 50,000 | $ 26,000 |
| Trigg, Kentucky | 1 | $ 198,000 | $ 198,000 | $ 139,000 |
| Webster, Kentucky | 1 | $ 700,000 | $ 700,000 | $ 1,870,000 |
| Horry, South Carolina | 1 | $ 305,000 | $ 305,000 | $ 464,000 |
Mortgage Loan Application Detail Totals for Field & Main Bank in 2015
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 | 188 | $23,194,000 | $123,000 | $2,300,000 | $84,000 | $1,128,000 |
| Refinancing | 137 | $24,826,000 | $181,000 | $3,000,000 | $99,000 | $1,870,000 |
| Home Improvement | 25 | $2,529,000 | $101,000 | $400,000 | $103,000 | $1,100,000 |
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 | 281 | $34,355,000 | $122,000 | $842,000 | $110,000 | $1,870,000 |
| Not applicable | 57 | $14,637,000 | $256,000 | $3,000,000 | $0 | $0 |
| Black or African American | 5 | $372,000 | $74,000 | $179,000 | $94,000 | $162,000 |
| Not Provided | 4 | $400,000 | $100,000 | $185,000 | $52,000 | $92,000 |
| Asian | 2 | $720,000 | $360,000 | $500,000 | $109,000 | $159,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $68,000 | $68,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 349 | $50,433,000 | $144,000 | $3,000,000 | $91,000 | $1,870,000 |
| FHA-insured (Federal Housing Administration) | 1 | $116,000 | $116,000 | $116,000 | $74,000 | $74,000 |
| 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 | 255 | $36,781,000 | $144,000 | $3,000,000 | $93,000 | $1,870,000 |
| Application Denied By Financial Institution | 51 | $7,972,000 | $156,000 | $1,166,000 | $97,000 | $1,100,000 |
| Application Approved But Not Accepted | 37 | $4,874,000 | $131,000 | $1,750,000 | $78,000 | $900,000 |
| Application Withdrawn By Applicant | 6 | $247,000 | $41,000 | $65,000 | $86,000 | $143,000 |
| File Closed For Incompleteness | 1 | $675,000 | $675,000 | $675,000 | $0 | $0 |
| 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 | 31 | $3,345,000 | $107,000 | $250,000 | $82,000 | $258,000 |
| Debt-To-Income Ratio | 12 | $1,567,000 | $130,000 | $250,000 | $55,000 | $135,000 |
| Collateral | 4 | $684,000 | $171,000 | $325,000 | $86,000 | $218,000 |
| Other | 2 | $1,160,000 | $580,000 | $760,000 | $677,000 | $1,100,000 |
| 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 |
| 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 2015 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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