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Act (HMDA) records Field & Main Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 183 | $ 33,835,000 | $ 184,890 | $ 124,775 |
| Evansville, IN-KY | 99 | $ 18,075,000 | $ 182,575 | $ 262,000 |
| Lexington-Fayette, KY | 41 | $ 10,085,000 | $ 245,975 | $ 150,000 |
| Owensboro, KY | 6 | $ 1,220,000 | $ 203,333 | $ 139,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 5 | $ 2,215,000 | $ 443,000 | $ 307,000 |
| Bowling Green, KY | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Cincinnati, OH-KY-IN | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| Clarksville, TN-KY | 1 | $ 6,705,000 | $ 6,705,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 765,000 | $ 765,000 | $ 528,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 305,000 | $ 305,000 | $ 343,000 |
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.
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