Field & Main Bank Mortgage Lending & HMDA Data, 2020
In 2020, Field & Main Bank of Henderson, KY reported 607 mortgage applications totaling $110.6 million, up 72% from 2019. The average application was for $182,149, and applicants reported an average income of $119,248. 83% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Evansville, IN-KY (391), Lexington-Fayette, KY (99) and Owensboro, KY (17) (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 | 607 |
| Total Mortgage Loan Application Amount | $110,565,000 |
| Average Mortgage Loan Application Amount | $182,149 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $119,248 |
| Highest Applicant Income | $828,000 |
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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 254 | $ 34,670,000 | $ 136,496 | $ 100,000 |
| Vanderburgh, Indiana | 106 | $ 16,640,000 | $ 156,981 | $ 166,000 |
| Fayette, Kentucky | 73 | $ 19,235,000 | $ 263,493 | $ 143,000 |
| Warrick, Indiana | 28 | $ 4,570,000 | $ 163,214 | $ 143,000 |
| Harrison, Kentucky | 22 | $ 3,190,000 | $ 145,000 | $ 80,000 |
| Daviess, Kentucky | 14 | $ 3,560,000 | $ 254,285 | $ 228,000 |
| Jefferson, Kentucky | 11 | $ 2,995,000 | $ 272,272 | $ 151,000 |
| Bourbon, Kentucky | 10 | $ 1,370,000 | $ 137,000 | $ 166,000 |
| Gibson, Indiana | 7 | $ 965,000 | $ 137,857 | $ 67,000 |
| Jessamine, Kentucky | 7 | $ 1,695,000 | $ 242,142 | $ 167,000 |
| Union, Kentucky | 7 | $ 885,000 | $ 126,428 | $ 113,000 |
| Scott, Kentucky | 5 | $ 1,335,000 | $ 267,000 | $ 99,000 |
| Webster, Kentucky | 4 | $ 370,000 | $ 92,500 | $ 80,000 |
| Woodford, Kentucky | 4 | $ 1,190,000 | $ 297,500 | $ 173,000 |
| Posey, Indiana | 3 | $ 625,000 | $ 208,333 | $ 188,000 |
| Madison, Kentucky | 3 | $ 685,000 | $ 228,333 | $ 196,000 |
| McLean, Kentucky | 3 | $ 505,000 | $ 168,333 | $ 103,000 |
| Spencer, Indiana | 2 | $ 410,000 | $ 205,000 | $ 113,000 |
| Campbell, Kentucky | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Franklin, Kentucky | 2 | $ 400,000 | $ 200,000 | $ 164,000 |
| Hopkins, Kentucky | 2 | $ 270,000 | $ 135,000 | $ 132,000 |
| Lyon, Kentucky | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Hamilton, Tennessee | 2 | $ 700,000 | $ 350,000 | $ 140,000 |
| Montgomery, Alabama | 1 | $ 145,000 | $ 145,000 | $ 115,000 |
| Volusia, Florida | 1 | $ 265,000 | $ 265,000 | $ 127,000 |
| Clark, Indiana | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Lake, Indiana | 1 | $ 275,000 | $ 275,000 | $ 387,000 |
| Marion, Indiana | 1 | $ 1,815,000 | $ 1,815,000 | $ 0 |
| Perry, Indiana | 1 | $ 125,000 | $ 125,000 | $ 101,000 |
| Boone, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 186,000 |
| Boyd, Kentucky | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Calloway, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Garrard, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Grant, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 283,000 |
| Hardin, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Hickman, Kentucky | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Johnson, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Laurel, Kentucky | 1 | $ 395,000 | $ 395,000 | $ 362,000 |
| Marshall, Kentucky | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Mercer, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 43,000 |
| Muhlenberg, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Nelson, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Nicholas, Kentucky | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Oldham, Kentucky | 1 | $ 365,000 | $ 365,000 | $ 183,000 |
| Pendleton, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Powell, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Rowan, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| Spencer, Kentucky | 1 | $ 325,000 | $ 325,000 | $ 105,000 |
| Trigg, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 189,000 |
| Shiawassee, Michigan | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Davidson, Tennessee | 1 | $ 405,000 | $ 405,000 | $ 210,000 |
| Knox, Tennessee | 1 | $ 345,000 | $ 345,000 | $ 185,000 |
| Robertson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Sumner, Tennessee | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Washington, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 157,000 |
| Williamson, Tennessee | 1 | $ 485,000 | $ 485,000 | $ 370,000 |
Mortgage Loan Application Detail Totals for Field & Main Bank in 2020
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 | 216 | $40,590,000 | $187,000 | $1,815,000 | $130,000 | $828,000 |
| Home Purchase | 196 | $36,560,000 | $186,000 | $4,005,000 | $99,000 | $387,000 |
| Cash-out Refinancing | 180 | $32,090,000 | $178,000 | $1,915,000 | $126,000 | $758,000 |
| Home Improvement | 10 | $720,000 | $72,000 | $215,000 | $112,000 | $187,000 |
| Other Purpose | 5 | $605,000 | $121,000 | $375,000 | $220,000 | $606,000 |
| 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 | 457 | $79,145,000 | $173,000 | $1,525,000 | $119,000 | $828,000 |
| Not applicable | 113 | $24,205,000 | $214,000 | $4,005,000 | $0 | $0 |
| Not Provided | 15 | $3,065,000 | $204,000 | $515,000 | $163,000 | $606,000 |
| Black or African American | 12 | $1,390,000 | $115,000 | $335,000 | $66,000 | $179,000 |
| Hispanic | 4 | $390,000 | $97,000 | $155,000 | $96,000 | $163,000 |
| Asian | 4 | $2,170,000 | $542,000 | $725,000 | $261,000 | $465,000 |
| 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) | 606 | $110,420,000 | $182,000 | $4,005,000 | $121,000 | $828,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $50,000 | $50,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 505 | $93,945,000 | $186,000 | $4,005,000 | $124,000 | $828,000 |
| Application Denied By Financial Institution | 47 | $7,765,000 | $165,000 | $515,000 | $107,000 | $379,000 |
| Application Approved But Not Accepted | 37 | $6,605,000 | $178,000 | $485,000 | $112,000 | $370,000 |
| Application Withdrawn By Applicant | 18 | $2,250,000 | $125,000 | $505,000 | $63,000 | $182,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 607 | $110,565,000 | $182,000 | $4,005,000 | $121,000 | $828,000 |
| 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 Field & Main Bank's 2020 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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