Field & Main Bank in Kentucky vs the state
10.9%Denial rate-7.95 pts vs state
12.6%Decision denial rate-10.86 pts vs state
74.2%Origination rate+16.17 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
164Loans originated
24Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 195 | 150 | 11.3% | — | #126 |
| 2024 | 226 | 169 | 12.4% | — | #123 |
| 2025 | 221 | 164 | 10.9% | — | #137 |
What Field & Main Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Field & Main Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henderson County | 132 | 101 | 14 | 10.6% |
| Fayette County | 26 | 21 | 1 | 3.8% |
| Harrison County | 13 | 9 | 3 | 23.1% |
| Daviess County | 5 | 3 | 0 | 0.0% |
| Union County | 4 | 3 | 0 | 0.0% |
| Madison County | 4 | 3 | 0 | 0.0% |
| Garrard County | 3 | 2 | 0 | 0.0% |
| Scott County | 3 | 2 | 1 | 33.3% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Bourbon County | 3 | 1 | 2 | 66.7% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 221 applications in 2025, of which 164 were originated and 24 denied.
10.9% of all applications, or 12.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Field & Main Bank's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology