First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, First Farmers Bank & Trust of Converse, IN reported 925 mortgage applications totaling $91.6 million, down 6% from 2010. The average application was for $99,043, and applicants reported an average income of $69,977. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kokomo, IN (310), Indianapolis-Carmel, IN (46) and Anderson, IN (30) (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 | 925 |
| Total Mortgage Loan Application Amount | $91,615,000 |
| Average Mortgage Loan Application Amount | $99,043 |
| Highest Mortgage Loan Application Amount | $531,000 |
| Average Applicant Income | $69,977 |
| Highest Applicant Income | $628,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 226 | $ 21,777,000 | $ 96,358 | $ 75,000 |
| Miami, Indiana | 135 | $ 10,998,000 | $ 81,466 | $ 62,000 |
| Tipton, Indiana | 84 | $ 8,999,000 | $ 107,130 | $ 66,000 |
| Wabash, Indiana | 75 | $ 7,511,000 | $ 100,146 | $ 63,000 |
| Cass, Indiana | 59 | $ 5,127,000 | $ 86,898 | $ 64,000 |
| Grant, Indiana | 49 | $ 4,557,000 | $ 93,000 | $ 73,000 |
| Starke, Indiana | 44 | $ 3,716,000 | $ 84,454 | $ 58,000 |
| Hamilton, Indiana | 32 | $ 5,497,000 | $ 171,781 | $ 105,000 |
| Madison, Indiana | 30 | $ 3,165,000 | $ 105,500 | $ 73,000 |
| Huntington, Indiana | 26 | $ 2,827,000 | $ 108,730 | $ 71,000 |
| Marshall, Indiana | 14 | $ 1,909,000 | $ 136,357 | $ 159,000 |
| Clinton, Indiana | 10 | $ 687,000 | $ 68,700 | $ 52,000 |
| Marion, Indiana | 7 | $ 786,000 | $ 112,285 | $ 85,000 |
| Delaware, Indiana | 5 | $ 917,000 | $ 183,400 | $ 92,000 |
| Kosciusko, Indiana | 5 | $ 1,066,000 | $ 213,200 | $ 162,000 |
| Carroll, Indiana | 4 | $ 494,000 | $ 123,500 | $ 88,000 |
| Pulaski, Indiana | 4 | $ 612,000 | $ 153,000 | $ 89,000 |
| Boone, Indiana | 3 | $ 480,000 | $ 160,000 | $ 129,000 |
| Fulton, Indiana | 3 | $ 446,000 | $ 148,666 | $ 88,000 |
| Wells, Indiana | 3 | $ 360,000 | $ 120,000 | $ 66,000 |
| Lake, Indiana | 2 | $ 289,000 | $ 144,500 | $ 74,000 |
| Noble, Indiana | 2 | $ 206,000 | $ 103,000 | $ 52,000 |
| Porter, Indiana | 2 | $ 418,000 | $ 209,000 | $ 148,000 |
| St. Joseph, Indiana | 2 | $ 192,000 | $ 96,000 | $ 79,000 |
| Los Angeles, California | 1 | $ 531,000 | $ 531,000 | $ 248,000 |
| Brevard, Florida | 1 | $ 152,000 | $ 152,000 | $ 238,000 |
| Collier, Florida | 1 | $ 134,000 | $ 134,000 | $ 186,000 |
| Elkhart, Indiana | 1 | $ 116,000 | $ 116,000 | $ 80,000 |
| Hancock, Indiana | 1 | $ 99,000 | $ 99,000 | $ 134,000 |
| Hendricks, Indiana | 1 | $ 200,000 | $ 200,000 | $ 128,000 |
| Jasper, Indiana | 1 | $ 180,000 | $ 180,000 | $ 106,000 |
| Monroe, Indiana | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Montgomery, Indiana | 1 | $ 106,000 | $ 106,000 | $ 56,000 |
| Morgan, Indiana | 1 | $ 406,000 | $ 406,000 | $ 223,000 |
| Randolph, Indiana | 1 | $ 50,000 | $ 50,000 | $ 6,000 |
| Shelby, Indiana | 1 | $ 112,000 | $ 112,000 | $ 100,000 |
| Tippecanoe, Indiana | 1 | $ 92,000 | $ 92,000 | $ 62,000 |
| Warrick, Indiana | 1 | $ 72,000 | $ 72,000 | $ 43,000 |
| Emmet, Michigan | 1 | $ 244,000 | $ 244,000 | $ 177,000 |
| Mercer, Ohio | 1 | $ 190,000 | $ 190,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 518 | $58,587,000 | $113,000 | $531,000 | $78,000 | $535,000 |
| Home Purchase | 329 | $27,730,000 | $84,000 | $408,000 | $59,000 | $628,000 |
| Home Improvement | 78 | $5,298,000 | $67,000 | $218,000 | $63,000 | $223,000 |
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 | 872 | $87,176,000 | $99,000 | $531,000 | $71,000 | $628,000 |
| Not Provided | 36 | $2,701,000 | $75,000 | $408,000 | $42,000 | $326,000 |
| Hispanic | 9 | $788,000 | $87,000 | $200,000 | $69,000 | $233,000 |
| Black or African American | 3 | $260,000 | $86,000 | $108,000 | $47,000 | $72,000 |
| Not applicable | 2 | $349,000 | $174,000 | $184,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $287,000 | $143,000 | $229,000 | $78,000 | $137,000 |
| Asian | 1 | $54,000 | $54,000 | $54,000 | $24,000 | $24,000 |
| 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) | 853 | $86,365,000 | $101,000 | $531,000 | $73,000 | $628,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 72 | $5,250,000 | $72,000 | $254,000 | $37,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 602 | $64,237,000 | $106,000 | $531,000 | $79,000 | $628,000 |
| Application Denied By Financial Institution | 132 | $11,354,000 | $86,000 | $244,000 | $52,000 | $210,000 |
| Application Withdrawn By Applicant | 109 | $10,160,000 | $93,000 | $380,000 | $65,000 | $208,000 |
| Preapproval Denied by Financial Institution | 78 | $5,610,000 | $71,000 | $254,000 | $39,000 | $117,000 |
| Application Approved But Not Accepted | 3 | $193,000 | $64,000 | $110,000 | $39,000 | $55,000 |
| File Closed For Incompleteness | 1 | $61,000 | $61,000 | $61,000 | $57,000 | $57,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Farmers Bank & Trust's 2011 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.
For a list of all lenders in Indiana, download the full spreadsheet
with aggregated HMDA statistics today.
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