First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, First Farmers Bank & Trust of Converse, IN reported 969 mortgage applications totaling $99.8 million, down 28% from 2012. The average application was for $102,975, and applicants reported an average income of $82,400. 62% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Kokomo, IN (268), Indianapolis-Carmel, IN (66) and Anderson, IN (39) (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 | 969 |
| Total Mortgage Loan Application Amount | $99,783,000 |
| Average Mortgage Loan Application Amount | $102,975 |
| Highest Mortgage Loan Application Amount | $504,000 |
| Average Applicant Income | $82,400 |
| Highest Applicant Income | $7,068,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 192 | $ 17,338,000 | $ 90,302 | $ 69,000 |
| Miami, Indiana | 121 | $ 9,730,000 | $ 80,413 | $ 61,000 |
| Tipton, Indiana | 76 | $ 8,233,000 | $ 108,328 | $ 74,000 |
| Cass, Indiana | 62 | $ 5,598,000 | $ 90,290 | $ 77,000 |
| Wabash, Indiana | 56 | $ 6,448,000 | $ 115,142 | $ 77,000 |
| Grant, Indiana | 55 | $ 6,234,000 | $ 113,345 | $ 71,000 |
| Starke, Indiana | 53 | $ 4,551,000 | $ 85,867 | $ 61,000 |
| Hamilton, Indiana | 52 | $ 8,538,000 | $ 164,192 | $ 102,000 |
| Madison, Indiana | 39 | $ 2,971,000 | $ 76,179 | $ 63,000 |
| Edgar, Illinois | 21 | $ 1,865,000 | $ 88,809 | $ 68,000 |
| Marshall, Indiana | 20 | $ 2,136,000 | $ 106,800 | $ 95,000 |
| Huntington, Indiana | 12 | $ 1,639,000 | $ 136,583 | $ 76,000 |
| Kosciusko, Indiana | 12 | $ 2,427,000 | $ 202,250 | $ 142,000 |
| Marion, Indiana | 6 | $ 716,000 | $ 119,333 | $ 86,000 |
| Pulaski, Indiana | 5 | $ 576,000 | $ 115,200 | $ 51,000 |
| Sullivan, Indiana | 5 | $ 814,000 | $ 162,800 | $ 130,000 |
| Vermillion, Indiana | 5 | $ 175,000 | $ 35,000 | $ 45,000 |
| Vigo, Indiana | 5 | $ 765,000 | $ 153,000 | $ 75,000 |
| White, Indiana | 5 | $ 581,000 | $ 116,200 | $ 215,000 |
| Coles, Illinois | 4 | $ 307,000 | $ 76,750 | $ 63,000 |
| Allen, Indiana | 4 | $ 353,000 | $ 88,250 | $ 34,000 |
| Blackford, Indiana | 3 | $ 380,000 | $ 126,666 | $ 164,000 |
| Boone, Indiana | 3 | $ 532,000 | $ 177,333 | $ 62,000 |
| Clay, Indiana | 3 | $ 263,000 | $ 87,666 | $ 67,000 |
| Delaware, Indiana | 3 | $ 616,000 | $ 205,333 | $ 283,000 |
| Fulton, Indiana | 3 | $ 273,000 | $ 91,000 | $ 50,000 |
| Jasper, Indiana | 3 | $ 537,000 | $ 179,000 | $ 81,000 |
| Wells, Indiana | 3 | $ 588,000 | $ 196,000 | $ 74,000 |
| Lee, Florida | 2 | $ 413,000 | $ 206,500 | $ 235,000 |
| Pinellas, Florida | 2 | $ 542,000 | $ 271,000 | $ 482,000 |
| Clark, Illinois | 2 | $ 132,000 | $ 66,000 | $ 37,000 |
| McLean, Illinois | 2 | $ 150,000 | $ 75,000 | $ 25,000 |
| Vermilion, Illinois | 2 | $ 267,000 | $ 133,500 | $ 119,000 |
| Carroll, Indiana | 2 | $ 284,000 | $ 142,000 | $ 86,000 |
| Clinton, Indiana | 2 | $ 154,000 | $ 77,000 | $ 19,000 |
| Johnson, Indiana | 2 | $ 314,000 | $ 157,000 | $ 316,000 |
| Lake, Indiana | 2 | $ 299,000 | $ 149,500 | $ 63,000 |
| Parke, Indiana | 2 | $ 83,000 | $ 41,500 | $ 26,000 |
| Porter, Indiana | 2 | $ 332,000 | $ 166,000 | $ 199,000 |
| York, South Carolina | 2 | $ 449,000 | $ 224,500 | $ 200,000 |
| Benton, Arkansas | 1 | $ 284,000 | $ 284,000 | $ 169,000 |
| Crawford, Illinois | 1 | $ 190,000 | $ 190,000 | $ 106,000 |
| DeKalb, Indiana | 1 | $ 138,000 | $ 138,000 | $ 76,000 |
| Elkhart, Indiana | 1 | $ 148,000 | $ 148,000 | $ 72,000 |
| Hancock, Indiana | 1 | $ 103,000 | $ 103,000 | $ 273,000 |
| Harrison, Indiana | 1 | $ 192,000 | $ 192,000 | $ 174,000 |
| LaGrange, Indiana | 1 | $ 109,000 | $ 109,000 | $ 117,000 |
| Monroe, Indiana | 1 | $ 126,000 | $ 126,000 | $ 63,000 |
| Montgomery, Indiana | 1 | $ 87,000 | $ 87,000 | $ 83,000 |
| Morgan, Indiana | 1 | $ 99,000 | $ 99,000 | $ 7,068,000 |
| Putnam, Indiana | 1 | $ 231,000 | $ 231,000 | $ 109,000 |
| Tippecanoe, Indiana | 1 | $ 117,000 | $ 117,000 | $ 100,000 |
| Washington, Indiana | 1 | $ 228,000 | $ 228,000 | $ 285,000 |
| Allegan, Michigan | 1 | $ 228,000 | $ 228,000 | $ 83,000 |
| Van Buren, Michigan | 1 | $ 390,000 | $ 390,000 | $ 240,000 |
| Haywood, North Carolina | 1 | $ 232,000 | $ 232,000 | $ 136,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2013
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 | 470 | $51,082,000 | $108,000 | $390,000 | $80,000 | $889,000 |
| Home Purchase | 380 | $39,131,000 | $102,000 | $504,000 | $88,000 | $7,068,000 |
| Home Improvement | 119 | $9,570,000 | $80,000 | $258,000 | $74,000 | $338,000 |
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 | 908 | $93,692,000 | $103,000 | $504,000 | $84,000 | $7,068,000 |
| Not Provided | 39 | $3,440,000 | $88,000 | $280,000 | $53,000 | $150,000 |
| Hispanic | 13 | $1,281,000 | $98,000 | $240,000 | $50,000 | $98,000 |
| Black or African American | 3 | $320,000 | $106,000 | $175,000 | $62,000 | $87,000 |
| Not applicable | 3 | $372,000 | $124,000 | $225,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $350,000 | $350,000 | $350,000 | $372,000 | $372,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $134,000 | $134,000 |
| Asian | 1 | $293,000 | $293,000 | $293,000 | $158,000 | $158,000 |
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) | 965 | $99,468,000 | $103,000 | $504,000 | $82,000 | $7,068,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $125,000 | $62,000 | $75,000 | $27,000 | $30,000 |
| VA-guaranteed (Veterans Administration) | 1 | $67,000 | $67,000 | $67,000 | $15,000 | $15,000 |
| FHA-insured (Federal Housing Administration) | 1 | $123,000 | $123,000 | $123,000 | $27,000 | $27,000 |
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 | 596 | $63,833,000 | $107,000 | $417,000 | $95,000 | $7,068,000 |
| Application Denied By Financial Institution | 162 | $14,655,000 | $90,000 | $308,000 | $59,000 | $400,000 |
| Application Withdrawn By Applicant | 98 | $11,174,000 | $114,000 | $504,000 | $78,000 | $305,000 |
| Preapproval Denied by Financial Institution | 98 | $8,278,000 | $84,000 | $240,000 | $47,000 | $143,000 |
| Application Approved But Not Accepted | 15 | $1,843,000 | $122,000 | $317,000 | $68,000 | $150,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2013 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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with aggregated HMDA statistics today.
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