First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, First Farmers Bank & Trust of Converse, IN reported 1,350 mortgage applications totaling $143.8 million, up 46% from 2011. The average application was for $106,540, and applicants reported an average income of $72,117. 64% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kokomo, IN (437), Indianapolis-Carmel, IN (102) and Anderson, IN (57) (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 | 1,350 |
| Total Mortgage Loan Application Amount | $143,829,000 |
| Average Mortgage Loan Application Amount | $106,540 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $72,117 |
| Highest Applicant Income | $675,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 306 | $ 32,142,000 | $ 105,039 | $ 67,000 |
| Miami, Indiana | 158 | $ 15,039,000 | $ 95,183 | $ 67,000 |
| Tipton, Indiana | 131 | $ 15,879,000 | $ 121,213 | $ 82,000 |
| Wabash, Indiana | 97 | $ 10,238,000 | $ 105,546 | $ 69,000 |
| Cass, Indiana | 83 | $ 7,803,000 | $ 94,012 | $ 64,000 |
| Hamilton, Indiana | 74 | $ 10,390,000 | $ 140,405 | $ 92,000 |
| Grant, Indiana | 69 | $ 7,065,000 | $ 102,391 | $ 74,000 |
| Madison, Indiana | 57 | $ 4,804,000 | $ 84,280 | $ 65,000 |
| Starke, Indiana | 55 | $ 6,313,000 | $ 114,781 | $ 62,000 |
| Huntington, Indiana | 23 | $ 2,922,000 | $ 127,043 | $ 73,000 |
| Edgar, Illinois | 18 | $ 2,001,000 | $ 111,166 | $ 91,000 |
| Marshall, Indiana | 17 | $ 2,041,000 | $ 120,058 | $ 87,000 |
| Kosciusko, Indiana | 14 | $ 2,565,000 | $ 183,214 | $ 127,000 |
| Wells, Indiana | 13 | $ 1,213,000 | $ 93,307 | $ 55,000 |
| Marion, Indiana | 10 | $ 779,000 | $ 77,900 | $ 74,000 |
| Boone, Indiana | 7 | $ 768,000 | $ 109,714 | $ 74,000 |
| Carroll, Indiana | 7 | $ 757,000 | $ 108,142 | $ 64,000 |
| Fulton, Indiana | 6 | $ 636,000 | $ 106,000 | $ 141,000 |
| Allen, Indiana | 5 | $ 774,000 | $ 154,800 | $ 153,000 |
| Clinton, Indiana | 5 | $ 414,000 | $ 82,800 | $ 50,000 |
| Pulaski, Indiana | 5 | $ 405,000 | $ 81,000 | $ 37,000 |
| Vigo, Indiana | 5 | $ 620,000 | $ 124,000 | $ 83,000 |
| Lee, Florida | 4 | $ 793,000 | $ 198,250 | $ 246,000 |
| Coles, Illinois | 4 | $ 227,000 | $ 56,750 | $ 51,000 |
| Henry, Indiana | 4 | $ 445,000 | $ 111,250 | $ 71,000 |
| Lake, Indiana | 4 | $ 489,000 | $ 122,250 | $ 62,000 |
| Porter, Indiana | 4 | $ 723,000 | $ 180,750 | $ 99,000 |
| Sullivan, Indiana | 4 | $ 624,000 | $ 156,000 | $ 213,000 |
| White, Indiana | 4 | $ 770,000 | $ 192,500 | $ 87,000 |
| Clark, Illinois | 3 | $ 185,000 | $ 61,666 | $ 84,000 |
| Hancock, Indiana | 3 | $ 340,000 | $ 113,333 | $ 115,000 |
| Hendricks, Indiana | 3 | $ 257,000 | $ 85,666 | $ 103,000 |
| Tippecanoe, Indiana | 3 | $ 308,000 | $ 102,666 | $ 86,000 |
| Douglas, Illinois | 2 | $ 239,000 | $ 119,500 | $ 0 |
| Dubois, Indiana | 2 | $ 209,000 | $ 104,500 | $ 97,000 |
| Elkhart, Indiana | 2 | $ 290,000 | $ 145,000 | $ 63,000 |
| Johnson, Indiana | 2 | $ 234,000 | $ 117,000 | $ 42,000 |
| Morgan, Indiana | 2 | $ 299,000 | $ 149,500 | $ 262,000 |
| Marion, Florida | 1 | $ 135,000 | $ 135,000 | $ 144,000 |
| Monroe, Florida | 1 | $ 280,000 | $ 280,000 | $ 380,000 |
| Palm Beach, Florida | 1 | $ 265,000 | $ 265,000 | $ 325,000 |
| Sumter, Florida | 1 | $ 120,000 | $ 120,000 | $ 168,000 |
| Kane, Illinois | 1 | $ 401,000 | $ 401,000 | $ 118,000 |
| Brown, Indiana | 1 | $ 86,000 | $ 86,000 | $ 125,000 |
| Delaware, Indiana | 1 | $ 81,000 | $ 81,000 | $ 192,000 |
| Jackson, Indiana | 1 | $ 156,000 | $ 156,000 | $ 59,000 |
| Jasper, Indiana | 1 | $ 29,000 | $ 29,000 | $ 17,000 |
| Montgomery, Indiana | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Randolph, Indiana | 1 | $ 158,000 | $ 158,000 | $ 35,000 |
| Vermillion, Indiana | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Warren, Indiana | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Cass, Michigan | 1 | $ 368,000 | $ 368,000 | $ 675,000 |
| Oakland, Michigan | 1 | $ 112,000 | $ 112,000 | $ 177,000 |
| Paulding, Ohio | 1 | $ 200,000 | $ 200,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2012
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 | 833 | $96,034,000 | $115,000 | $800,000 | $73,000 | $371,000 |
| Home Purchase | 397 | $38,191,000 | $96,000 | $433,000 | $70,000 | $675,000 |
| Home Improvement | 120 | $9,604,000 | $80,000 | $276,000 | $73,000 | $359,000 |
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 | 1,250 | $133,610,000 | $106,000 | $800,000 | $74,000 | $675,000 |
| Not Provided | 61 | $5,910,000 | $96,000 | $433,000 | $56,000 | $321,000 |
| Hispanic | 19 | $1,806,000 | $95,000 | $224,000 | $66,000 | $160,000 |
| Not applicable | 13 | $1,914,000 | $147,000 | $650,000 | $26,000 | $231,000 |
| Asian | 5 | $485,000 | $97,000 | $300,000 | $34,000 | $91,000 |
| Black or African American | 2 | $104,000 | $52,000 | $56,000 | $24,000 | $29,000 |
| 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) | 1,301 | $140,016,000 | $107,000 | $800,000 | $73,000 | $675,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 48 | $3,773,000 | $78,000 | $179,000 | $40,000 | $110,000 |
| FHA-insured (Federal Housing Administration) | 1 | $40,000 | $40,000 | $40,000 | $126,000 | $126,000 |
| 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 | 870 | $96,821,000 | $111,000 | $800,000 | $79,000 | $675,000 |
| Application Denied By Financial Institution | 188 | $18,891,000 | $100,000 | $417,000 | $58,000 | $325,000 |
| Application Withdrawn By Applicant | 169 | $18,609,000 | $110,000 | $417,000 | $75,000 | $314,000 |
| Preapproval Denied by Financial Institution | 112 | $8,317,000 | $74,000 | $234,000 | $43,000 | $198,000 |
| Preapproval Approved but not Accepted | 7 | $746,000 | $106,000 | $225,000 | $61,000 | $115,000 |
| File Closed For Incompleteness | 4 | $445,000 | $111,000 | $218,000 | $64,000 | $85,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application 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 2012 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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