Field & Main Bank Mortgage Lending & HMDA Data, 2014
In 2014, Field & Main Bank of Henderson, KY reported 265 mortgage applications totaling $34.1 million, down 24% from 2013. The average application was for $128,856, and applicants reported an average income of $91,252. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Evansville, IN-KY (229), Lexington-Fayette, KY (12) and Owensboro, KY (4) (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 | 265 |
| Total Mortgage Loan Application Amount | $34,147,000 |
| Average Mortgage Loan Application Amount | $128,856 |
| Highest Mortgage Loan Application Amount | $1,706,000 |
| Average Applicant Income | $91,252 |
| Highest Applicant Income | $4,000,000 |
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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Evansville, IN-KY | 229 | $ 25,366,000 | $ 110,768 | $ 94,179 |
| Lexington-Fayette, KY | 12 | $ 5,559,000 | $ 463,250 | $ 83,000 |
| Owensboro, KY | 4 | $ 586,000 | $ 146,500 | $ 104,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 305,000 | $ 152,500 | $ 102,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 724,000 | $ 362,000 | $ 12,000 |
Mortgage Loan Application Detail Totals for Field & Main Bank in 2014
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 | 150 | $18,652,000 | $124,000 | $1,706,000 | $71,000 | $660,000 |
| Refinancing | 109 | $15,397,000 | $141,000 | $1,350,000 | $86,000 | $428,000 |
| Home Improvement | 6 | $98,000 | $16,000 | $26,000 | $693,000 | $4,000,000 |
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 | 208 | $22,560,000 | $108,000 | $1,706,000 | $103,000 | $4,000,000 |
| Not applicable | 28 | $9,241,000 | $330,000 | $1,500,000 | $0 | $0 |
| Not Provided | 21 | $1,844,000 | $87,000 | $297,000 | $112,000 | $342,000 |
| Black or African American | 4 | $92,000 | $23,000 | $32,000 | $49,000 | $61,000 |
| Hispanic | 2 | $185,000 | $92,000 | $126,000 | $94,000 | $107,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $80,000 | $80,000 | $80,000 | $35,000 | $35,000 |
| American Indian or Alaskan Native | 1 | $145,000 | $145,000 | $145,000 | $94,000 | $94,000 |
| Asian | 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) | 265 | $34,147,000 | $128,000 | $1,706,000 | $91,000 | $4,000,000 |
| 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 | 193 | $25,131,000 | $130,000 | $1,706,000 | $80,000 | $660,000 |
| Application Denied By Financial Institution | 37 | $5,185,000 | $140,000 | $1,500,000 | $64,000 | $230,000 |
| Application Approved But Not Accepted | 31 | $3,569,000 | $115,000 | $500,000 | $199,000 | $4,000,000 |
| Application Withdrawn By Applicant | 4 | $262,000 | $65,000 | $93,000 | $49,000 | $121,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 21 | $2,289,000 | $109,000 | $228,000 | $73,000 | $230,000 |
| Debt-To-Income Ratio | 13 | $1,118,000 | $86,000 | $180,000 | $43,000 | $114,000 |
| Employment History | 1 | $1,500,000 | $1,500,000 | $1,500,000 | $0 | $0 |
| Collateral | 1 | $148,000 | $148,000 | $148,000 | $125,000 | $125,000 |
| Other | 1 | $130,000 | $130,000 | $130,000 | $154,000 | $154,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2014 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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