Field & Main Bank Mortgage Lending & HMDA Data, 2024
In 2024, Field & Main Bank of Henderson, KY reported 339 mortgage applications totaling $73.5 million, down 2% from 2023. The average application was for $216,740, and applicants reported an average income of $165,460. 80% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Evansville, IN-KY (99), Lexington-Fayette, KY (41) and Owensboro, KY (6) (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 | 339 |
| Total Mortgage Loan Application Amount | $73,475,000 |
| Average Mortgage Loan Application Amount | $216,740 |
| Highest Mortgage Loan Application Amount | $6,705,000 |
| Average Applicant Income | $165,460 |
| Highest Applicant Income | $1,478,000 |
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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 131 | $ 23,465,000 | $ 179,122 | $ 121,000 |
| Vanderburgh, Indiana | 73 | $ 11,145,000 | $ 152,671 | $ 225,000 |
| Fayette, Kentucky | 24 | $ 6,180,000 | $ 257,500 | $ 157,000 |
| Warrick, Indiana | 20 | $ 5,770,000 | $ 288,500 | $ 416,000 |
| Harrison, Kentucky | 15 | $ 2,635,000 | $ 175,666 | $ 101,000 |
| Scott, Kentucky | 10 | $ 2,500,000 | $ 250,000 | $ 131,000 |
| Union, Kentucky | 7 | $ 625,000 | $ 89,285 | $ 91,000 |
| Posey, Indiana | 6 | $ 1,160,000 | $ 193,333 | $ 110,000 |
| Daviess, Kentucky | 6 | $ 1,220,000 | $ 203,333 | $ 139,000 |
| Gibson, Indiana | 4 | $ 750,000 | $ 187,500 | $ 30,000 |
| Bourbon, Kentucky | 4 | $ 400,000 | $ 100,000 | $ 0 |
| Nicholas, Kentucky | 4 | $ 800,000 | $ 200,000 | $ 262,000 |
| Webster, Kentucky | 4 | $ 1,080,000 | $ 270,000 | $ 216,000 |
| Madison, Kentucky | 3 | $ 1,005,000 | $ 335,000 | $ 425,000 |
| Spencer, Indiana | 2 | $ 600,000 | $ 300,000 | $ 132,000 |
| Franklin, Kentucky | 2 | $ 620,000 | $ 310,000 | $ 496,000 |
| Jessamine, Kentucky | 2 | $ 500,000 | $ 250,000 | $ 101,000 |
| Muhlenberg, Kentucky | 2 | $ 590,000 | $ 295,000 | $ 122,000 |
| Davidson, Tennessee | 2 | $ 920,000 | $ 460,000 | $ 344,000 |
| Wilson, Tennessee | 2 | $ 1,030,000 | $ 515,000 | $ 379,000 |
| Yavapai, Arizona | 1 | $ 305,000 | $ 305,000 | $ 343,000 |
| Jefferson, Indiana | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Perry, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Calloway, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 192,000 |
| Christian, Kentucky | 1 | $ 6,705,000 | $ 6,705,000 | $ 0 |
| Crittenden, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Hopkins, Kentucky | 1 | $ 355,000 | $ 355,000 | $ 168,000 |
| Jefferson, Kentucky | 1 | $ 765,000 | $ 765,000 | $ 528,000 |
| Lyon, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 147,000 |
| Mercer, Kentucky | 1 | $ 255,000 | $ 255,000 | $ 165,000 |
| Pendleton, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| Warren, Kentucky | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Washington, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Whitley, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Woodford, Kentucky | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Robertson, Tennessee | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Field & Main Bank in 2024
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 | 206 | $51,840,000 | $251,000 | $6,705,000 | $168,000 | $1,478,000 |
| Cash-out Refinancing | 83 | $13,015,000 | $156,000 | $625,000 | $139,000 | $753,000 |
| Refinancing | 27 | $4,615,000 | $170,000 | $445,000 | $287,000 | $1,478,000 |
| Other Purpose | 19 | $545,000 | $28,000 | $75,000 | $91,000 | $247,000 |
| Home Improvement | 4 | $3,460,000 | $865,000 | $3,205,000 | $117,000 | $144,000 |
| 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 | 196 | $38,430,000 | $196,000 | $765,000 | $173,000 | $1,478,000 |
| Not applicable | 100 | $28,200,000 | $282,000 | $6,705,000 | $0 | $0 |
| Not Provided | 21 | $2,655,000 | $126,000 | $405,000 | $127,000 | $425,000 |
| Asian | 9 | $2,465,000 | $273,000 | $505,000 | $137,000 | $289,000 |
| Hispanic | 8 | $1,370,000 | $171,000 | $345,000 | $137,000 | $261,000 |
| Black or African American | 5 | $355,000 | $71,000 | $145,000 | $64,000 | $101,000 |
| 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) | 339 | $73,475,000 | $216,000 | $6,705,000 | $164,000 | $1,478,000 |
| 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 | 271 | $61,295,000 | $226,000 | $6,705,000 | $176,000 | $1,478,000 |
| Application Denied By Financial Institution | 34 | $4,880,000 | $143,000 | $765,000 | $102,000 | $624,000 |
| Application Withdrawn By Applicant | 20 | $4,170,000 | $208,000 | $765,000 | $145,000 | $528,000 |
| Application Approved But Not Accepted | 14 | $3,130,000 | $223,000 | $705,000 | $189,000 | $462,000 |
| 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 | 339 | $73,475,000 | $216,000 | $6,705,000 | $164,000 | $1,478,000 |
| 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 2024 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About