Steady, while peers grew
Its loans fell 4% from 2024. Similar lenders (state member banks making between half and twice as many loans) grew 7%, and the whole market 10%. Its count has stayed between 250 and 284 since 2022. In 2020 it made 505.
Applications / Mortgage Analytics / Lenders / Kentucky / Field & Main Bank
Field & Main Bank
Henderson, KY · State member bank · FRS · $861 million assets · 261 loans in 2025
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261
loans originated, 2025
325
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Field & Main Bank, a Kentucky bank, made 261 home loans in 2025, about half its total of 2020, and ranks 20 of 248 lenders in Evansville.
Smaller loans, all conventional
Home purchases made up 54.8% of its loans and refinancing 38.7%. Every one was conventional. Its typical loan was $165,000, against $190,000 at similar lenders, smaller than at about two-thirds of them. Only 0.5% were jumbo (larger than the conforming limit).
A top-20 lender in Evansville
In Evansville it holds 1.3% of the market, up 0.1 points. Liberty Federal Credit Union and Mortgage Masters of Indiana lead there. Its largest market is non-metro Kentucky, where it ranks 54 of 537 lenders; in Lexington-Fayette it ranks 69 of 389.
More loans in poorer neighborhoods
Low- and moderate-income (LMI) neighborhoods took 21.0% of its loans, against 15.9% at similar lenders, more than at about seven in ten of them. The bank took its present name in 2015, when it merged with BankTrust Financial; that bank's filings count as its own in the competition figures.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
261 loans in 2025, against a peak of 505 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Field & Main Bank took 325 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
54.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 54.8% · Refinance 38.7% · Other 3.8% · Home improvement 2.7%
Conventional 100.0% · of 261 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
4 states, 9 metros, 31 counties
| State | Loans | Share |
|---|---|---|
| Kentucky | 164 | 62.8% |
| Indiana | 95 | 36.4% |
| Nebraska | 1 | 0.4% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Evansville | 88 |
| Lexington-Fayette | 26 |
| Owensboro | 5 |
| Louisville/Jefferson County | 3 |
| Bowling Green | 1 |
| Cincinnati | 1 |
| Clarksville | 1 |
| Grand Island | 1 |
| Nashville-Davidson--Murfreesboro--Franklin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PH1RMZ3NKH2953 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 618740 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113983 | 1990–2005 |
| Respondent ID (the HMDA filer code before 2018) | 2618740 | 2006–2017 |
Established 2 February 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Field & Main Bank's data.
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