First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, First Farmers Bank & Trust of Converse, IN reported 1,632 mortgage applications totaling $296.8 million, up 20% from 2024. The average application was for $181,832, and applicants reported an average income of $115,181. 56% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kokomo, IN (253), Indianapolis-Carmel-Anderson, IN (218) and Terre Haute, IN (159) (applications in parentheses).
| Mortgage Company & Address | First Farmers Bank & Trust 123 N. Jefferson Street Converse, IN 46919 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 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,632 |
| Total Mortgage Loan Application Amount | $296,750,000 |
| Average Mortgage Loan Application Amount | $181,832 |
| Highest Mortgage Loan Application Amount | $15,185,000 |
| Average Applicant Income | $115,181 |
| Highest Applicant Income | $9,767,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Howard, Indiana | 253 | $ 31,715,000 | $ 125,355 | $ 105,000 |
| Miami, Indiana | 119 | $ 11,525,000 | $ 96,848 | $ 107,000 |
| Grant, Indiana | 95 | $ 11,385,000 | $ 119,842 | $ 100,000 |
| Tipton, Indiana | 85 | $ 13,895,000 | $ 163,470 | $ 121,000 |
| Vigo, Indiana | 82 | $ 13,860,000 | $ 169,024 | $ 131,000 |
| Cass, Indiana | 74 | $ 5,730,000 | $ 77,432 | $ 227,000 |
| Vermilion, Illinois | 52 | $ 4,450,000 | $ 85,576 | $ 96,000 |
| Starke, Indiana | 52 | $ 5,610,000 | $ 107,884 | $ 96,000 |
| Hamilton, Indiana | 49 | $ 26,635,000 | $ 543,571 | $ 174,000 |
| Tippecanoe, Indiana | 48 | $ 19,410,000 | $ 404,375 | $ 118,000 |
| Madison, Indiana | 46 | $ 4,220,000 | $ 91,739 | $ 77,000 |
| Wabash, Indiana | 45 | $ 4,255,000 | $ 94,555 | $ 82,000 |
| Clay, Indiana | 34 | $ 5,700,000 | $ 167,647 | $ 133,000 |
| Sullivan, Indiana | 32 | $ 4,210,000 | $ 131,562 | $ 100,000 |
| Carroll, Indiana | 27 | $ 4,775,000 | $ 176,851 | $ 114,000 |
| Edgar, Illinois | 22 | $ 1,970,000 | $ 89,545 | $ 116,000 |
| Boone, Indiana | 20 | $ 5,200,000 | $ 260,000 | $ 103,000 |
| Huntington, Indiana | 18 | $ 2,600,000 | $ 144,444 | $ 102,000 |
| Clinton, Indiana | 12 | $ 2,240,000 | $ 186,666 | $ 94,000 |
| Vermillion, Indiana | 11 | $ 1,005,000 | $ 91,363 | $ 92,000 |
| Delaware, Indiana | 9 | $ 2,185,000 | $ 242,777 | $ 239,000 |
| LaPorte, Indiana | 9 | $ 1,535,000 | $ 170,555 | $ 70,000 |
| Pulaski, Indiana | 9 | $ 1,165,000 | $ 129,444 | $ 86,000 |
| Greene, Indiana | 8 | $ 2,110,000 | $ 263,750 | $ 312,000 |
| Marshall, Indiana | 7 | $ 1,795,000 | $ 256,428 | $ 138,000 |
| Fulton, Indiana | 6 | $ 580,000 | $ 96,666 | $ 106,000 |
| Kosciusko, Indiana | 6 | $ 2,670,000 | $ 445,000 | $ 252,000 |
| Porter, Indiana | 6 | $ 1,200,000 | $ 200,000 | $ 107,000 |
| Warren, Indiana | 6 | $ 1,220,000 | $ 203,333 | $ 275,000 |
| Marion, Indiana | 5 | $ 2,495,000 | $ 499,000 | $ 227,000 |
| Morgan, Indiana | 5 | $ 1,775,000 | $ 355,000 | $ 186,000 |
| Maricopa, Arizona | 4 | $ 680,000 | $ 170,000 | $ 81,000 |
| Owen, Indiana | 4 | $ 400,000 | $ 100,000 | $ 130,000 |
| Parke, Indiana | 4 | $ 270,000 | $ 67,500 | $ 62,000 |
| Putnam, Indiana | 4 | $ 820,000 | $ 205,000 | $ 103,000 |
| Coles, Illinois | 3 | $ 415,000 | $ 138,333 | $ 59,000 |
| Iroquois, Illinois | 3 | $ 385,000 | $ 128,333 | $ 114,000 |
| Lawrence, Illinois | 3 | $ 2,755,000 | $ 918,333 | $ 135,000 |
| Hendricks, Indiana | 3 | $ 1,195,000 | $ 398,333 | $ 169,000 |
| Monroe, Indiana | 3 | $ 305,000 | $ 101,666 | $ 102,000 |
| St. Joseph, Indiana | 3 | $ 515,000 | $ 171,666 | $ 64,000 |
| White, Indiana | 3 | $ 695,000 | $ 231,666 | $ 82,000 |
| Hillsborough, Florida | 2 | $ 510,000 | $ 255,000 | $ 116,000 |
| Kankakee, Illinois | 2 | $ 440,000 | $ 220,000 | $ 59,000 |
| Blackford, Indiana | 2 | $ 210,000 | $ 105,000 | $ 87,000 |
| Brown, Indiana | 2 | $ 590,000 | $ 295,000 | $ 170,000 |
| Elkhart, Indiana | 2 | $ 350,000 | $ 175,000 | $ 68,000 |
| Hancock, Indiana | 2 | $ 770,000 | $ 385,000 | $ 95,000 |
| Jasper, Indiana | 2 | $ 480,000 | $ 240,000 | $ 69,000 |
| Montgomery, Indiana | 2 | $ 920,000 | $ 460,000 | $ 193,000 |
| Pike, Indiana | 2 | $ 290,000 | $ 145,000 | $ 335,000 |
| Whitley, Indiana | 2 | $ 580,000 | $ 290,000 | $ 72,000 |
| Lee, Florida | 1 | $ 605,000 | $ 605,000 | $ 348,000 |
| Pinellas, Florida | 1 | $ 805,000 | $ 805,000 | $ 350,000 |
| Santa Rosa, Florida | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| St. Johns, Florida | 1 | $ 805,000 | $ 805,000 | $ 1,306,000 |
| Sumter, Florida | 1 | $ 105,000 | $ 105,000 | $ 288,000 |
| Carroll, Georgia | 1 | $ 7,005,000 | $ 7,005,000 | $ 0 |
| Cumberland, Illinois | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Douglas, Illinois | 1 | $ 335,000 | $ 335,000 | $ 144,000 |
| Edwards, Illinois | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Ford, Illinois | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Will, Illinois | 1 | $ 255,000 | $ 255,000 | $ 338,000 |
| Johnson, Indiana | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Lake, Indiana | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Lawrence, Indiana | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Warrick, Indiana | 1 | $ 10,405,000 | $ 10,405,000 | $ 0 |
| Wells, Indiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Barren, Kentucky | 1 | $ 125,000 | $ 125,000 | $ 107,000 |
| Wayne, Michigan | 1 | $ 5,785,000 | $ 5,785,000 | $ 0 |
| Hennepin, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 375,000 |
| Hocking, Ohio | 1 | $ 85,000 | $ 85,000 | $ 107,000 |
| Wagoner, Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Henderson, Tennessee | 1 | $ 805,000 | $ 805,000 | $ 311,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2025
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 | 790 | $180,900,000 | $228,000 | $15,185,000 | $116,000 | $9,767,000 |
| Other Purpose | 283 | $20,045,000 | $70,000 | $805,000 | $112,000 | $1,007,000 |
| Home Improvement | 246 | $19,040,000 | $77,000 | $1,605,000 | $111,000 | $750,000 |
| Cash-out Refinancing | 236 | $54,410,000 | $230,000 | $10,405,000 | $121,000 | $1,020,000 |
| Refinancing | 77 | $22,355,000 | $290,000 | $5,785,000 | $114,000 | $482,000 |
| 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 | 1,395 | $209,875,000 | $150,000 | $2,555,000 | $109,000 | $1,306,000 |
| Not Provided | 74 | $9,120,000 | $123,000 | $805,000 | $134,000 | $1,060,000 |
| Hispanic | 71 | $9,215,000 | $129,000 | $525,000 | $218,000 | $9,767,000 |
| Not applicable | 54 | $62,390,000 | $1,155,000 | $15,185,000 | $0 | $0 |
| Black or African American | 17 | $1,515,000 | $89,000 | $305,000 | $65,000 | $248,000 |
| Asian | 16 | $3,920,000 | $245,000 | $805,000 | $140,000 | $311,000 |
| American Indian or Alaskan Native | 5 | $715,000 | $143,000 | $295,000 | $90,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,632 | $296,750,000 | $181,000 | $15,185,000 | $115,000 | $9,767,000 |
| 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 | 906 | $185,660,000 | $204,000 | $15,185,000 | $136,000 | $9,767,000 |
| Application Denied By Financial Institution | 228 | $25,410,000 | $111,000 | $805,000 | $83,000 | $1,020,000 |
| Preapproval Approved but not Accepted | 181 | $38,895,000 | $214,000 | $2,085,000 | $105,000 | $1,200,000 |
| Application Approved But Not Accepted | 165 | $25,575,000 | $155,000 | $705,000 | $108,000 | $1,007,000 |
| Preapproval Denied by Financial Institution | 120 | $16,940,000 | $141,000 | $355,000 | $59,000 | $183,000 |
| Application Withdrawn By Applicant | 31 | $4,185,000 | $135,000 | $395,000 | $109,000 | $624,000 |
| Loan Purchased By The Institution | 1 | $85,000 | $85,000 | $85,000 | $26,000 | $26,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,284 | $254,400,000 | $198,000 | $15,185,000 | $127,000 | $9,767,000 |
| Credit History | 185 | $21,485,000 | $116,000 | $485,000 | $74,000 | $267,000 |
| Debt-To-Income Ratio | 134 | $18,450,000 | $137,000 | $805,000 | $67,000 | $1,020,000 |
| Collateral | 18 | $1,270,000 | $70,000 | $305,000 | $104,000 | $298,000 |
| Other | 8 | $700,000 | $87,000 | $185,000 | $161,000 | $750,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $79,000 | $79,000 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $0 | $0 |
| Mortgage Insurance Denied | 1 | $195,000 | $195,000 | $195,000 | $52,000 | $52,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Farmers Bank & Trust's 2025 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 First Farmers Bank & Trust'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.
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