Field & Main Bank Mortgage Lending & HMDA Data, 2016
In 2016, Field & Main Bank of Henderson, KY reported 328 mortgage applications totaling $42.5 million, down 6% from 2015. The average application was for $129,478, and applicants reported an average income of $67,256. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Evansville, IN-KY (262), Lexington-Fayette, KY (23) and Owensboro, KY (7) (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 | $42,469,000 |
| Average Mortgage Loan Application Amount | $129,478 |
| Highest Mortgage Loan Application Amount | $3,688,000 |
| Average Applicant Income | $67,256 |
| Highest Applicant Income | $552,000 |
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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 166 | $ 18,753,000 | $ 112,969 | $ 74,000 |
| Vanderburgh, Indiana | 79 | $ 7,433,000 | $ 94,088 | $ 34,000 |
| Fayette, Kentucky | 21 | $ 7,317,000 | $ 348,428 | $ 48,000 |
| Warrick, Indiana | 14 | $ 2,134,000 | $ 152,428 | $ 80,000 |
| Harrison, Kentucky | 8 | $ 499,000 | $ 62,375 | $ 131,000 |
| Daviess, Kentucky | 7 | $ 1,319,000 | $ 188,428 | $ 166,000 |
| Webster, Kentucky | 7 | $ 873,000 | $ 124,714 | $ 69,000 |
| Posey, Indiana | 3 | $ 188,000 | $ 62,666 | $ 67,000 |
| Cook, Illinois | 2 | $ 690,000 | $ 345,000 | $ 92,000 |
| Gibson, Indiana | 2 | $ 165,000 | $ 82,500 | $ 42,000 |
| Hopkins, Kentucky | 2 | $ 244,000 | $ 122,000 | $ 125,000 |
| Muhlenberg, Kentucky | 2 | $ 486,000 | $ 243,000 | $ 118,000 |
| Trigg, Kentucky | 2 | $ 251,000 | $ 125,500 | $ 88,000 |
| Union, Kentucky | 2 | $ 85,000 | $ 42,500 | $ 78,000 |
| Bourbon, Kentucky | 1 | $ 98,000 | $ 98,000 | $ 45,000 |
| Calloway, Kentucky | 1 | $ 20,000 | $ 20,000 | $ 52,000 |
| Jefferson, Kentucky | 1 | $ 383,000 | $ 383,000 | $ 161,000 |
| Kenton, Kentucky | 1 | $ 332,000 | $ 332,000 | $ 276,000 |
| Lyon, Kentucky | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Scott, Kentucky | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Warren, Kentucky | 1 | $ 249,000 | $ 249,000 | $ 130,000 |
| Wilkes, North Carolina | 1 | $ 76,000 | $ 76,000 | $ 138,000 |
| Hamilton, Tennessee | 1 | $ 168,000 | $ 168,000 | $ 60,000 |
| Rutherford, Tennessee | 1 | $ 144,000 | $ 144,000 | $ 0 |
Mortgage Loan Application Detail Totals for Field & Main Bank in 2016
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 | 154 | $20,162,000 | $130,000 | $3,688,000 | $61,000 | $371,000 |
| Refinancing | 135 | $18,900,000 | $140,000 | $512,000 | $84,000 | $552,000 |
| Home Improvement | 39 | $3,407,000 | $87,000 | $400,000 | $34,000 | $159,000 |
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 | 244 | $27,478,000 | $112,000 | $417,000 | $82,000 | $371,000 |
| Not applicable | 67 | $11,994,000 | $179,000 | $3,688,000 | $0 | $0 |
| Not Provided | 8 | $1,161,000 | $145,000 | $246,000 | $58,000 | $120,000 |
| Hispanic | 4 | $975,000 | $243,000 | $380,000 | $188,000 | $404,000 |
| Asian | 2 | $149,000 | $74,000 | $100,000 | $302,000 | $552,000 |
| Black or African American | 2 | $421,000 | $210,000 | $350,000 | $125,000 | $159,000 |
| American Indian or Alaskan Native | 1 | $291,000 | $291,000 | $291,000 | $100,000 | $100,000 |
| Native Hawaiin 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 | $42,469,000 | $129,000 | $3,688,000 | $67,000 | $552,000 |
| 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 | 229 | $29,666,000 | $129,000 | $3,688,000 | $66,000 | $552,000 |
| Application Denied By Financial Institution | 48 | $6,048,000 | $126,000 | $500,000 | $73,000 | $404,000 |
| Application Approved But Not Accepted | 35 | $4,854,000 | $138,000 | $383,000 | $79,000 | $290,000 |
| Application Withdrawn By Applicant | 15 | $1,767,000 | $117,000 | $249,000 | $44,000 | $159,000 |
| File Closed For Incompleteness | 1 | $134,000 | $134,000 | $134,000 | $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 | 34 | $3,022,000 | $88,000 | $340,000 | $65,000 | $194,000 |
| Debt-To-Income Ratio | 7 | $1,422,000 | $203,000 | $360,000 | $84,000 | $183,000 |
| Collateral | 3 | $744,000 | $248,000 | $380,000 | $152,000 | $404,000 |
| Other | 2 | $685,000 | $342,000 | $500,000 | $79,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $20,000 | $20,000 | $20,000 | $104,000 | $104,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Field & Main Bank's 2016 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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