First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, First Farmers Bank & Trust of Converse, IN reported 1,047 mortgage applications totaling $110.8 million, up 53% from 2014. The average application was for $105,808, and applicants reported an average income of $70,486. 56% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Kokomo, IN (168), Indianapolis-Carmel-Anderson, IN (90) and Terre Haute, IN (85) (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 | 1,047 |
| Total Mortgage Loan Application Amount | $110,782,000 |
| Average Mortgage Loan Application Amount | $105,808 |
| Highest Mortgage Loan Application Amount | $3,918,000 |
| Average Applicant Income | $70,486 |
| Highest Applicant Income | $2,141,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 168 | $ 20,717,000 | $ 123,315 | $ 67,000 |
| Miami, Indiana | 118 | $ 11,199,000 | $ 94,906 | $ 61,000 |
| Wabash, Indiana | 54 | $ 5,013,000 | $ 92,833 | $ 63,000 |
| Grant, Indiana | 51 | $ 5,223,000 | $ 102,411 | $ 88,000 |
| Cass, Indiana | 49 | $ 4,631,000 | $ 94,510 | $ 69,000 |
| Starke, Indiana | 43 | $ 3,847,000 | $ 89,465 | $ 56,000 |
| Tipton, Indiana | 43 | $ 4,609,000 | $ 107,186 | $ 83,000 |
| Madison, Indiana | 39 | $ 3,234,000 | $ 82,923 | $ 69,000 |
| Sullivan, Indiana | 38 | $ 2,656,000 | $ 69,894 | $ 54,000 |
| Hamilton, Indiana | 28 | $ 5,649,000 | $ 201,750 | $ 145,000 |
| Edgar, Illinois | 22 | $ 1,431,000 | $ 65,045 | $ 53,000 |
| Vermilion, Illinois | 20 | $ 1,662,000 | $ 83,100 | $ 61,000 |
| Vigo, Indiana | 19 | $ 2,911,000 | $ 153,210 | $ 78,000 |
| Clay, Indiana | 18 | $ 1,257,000 | $ 69,833 | $ 55,000 |
| Vermillion, Indiana | 10 | $ 770,000 | $ 77,000 | $ 26,000 |
| Fulton, Indiana | 9 | $ 1,298,000 | $ 144,222 | $ 188,000 |
| LaPorte, Indiana | 8 | $ 852,000 | $ 106,500 | $ 67,000 |
| Marion, Indiana | 8 | $ 846,000 | $ 105,750 | $ 56,000 |
| Wells, Indiana | 7 | $ 704,000 | $ 100,571 | $ 60,000 |
| Marshall, Indiana | 6 | $ 611,000 | $ 101,833 | $ 61,000 |
| Pulaski, Indiana | 6 | $ 326,000 | $ 54,333 | $ 82,000 |
| Coles, Illinois | 5 | $ 355,000 | $ 71,000 | $ 62,000 |
| Huntington, Indiana | 5 | $ 620,000 | $ 124,000 | $ 77,000 |
| Sarasota, Florida | 4 | $ 660,000 | $ 165,000 | $ 98,000 |
| Johnson, Indiana | 4 | $ 509,000 | $ 127,250 | $ 122,000 |
| Kosciusko, Indiana | 4 | $ 839,000 | $ 209,750 | $ 137,000 |
| Morgan, Indiana | 4 | $ 784,000 | $ 196,000 | $ 109,000 |
| Clark, Illinois | 3 | $ 677,000 | $ 225,666 | $ 204,000 |
| Allen, Indiana | 3 | $ 386,000 | $ 128,666 | $ 52,000 |
| Boone, Indiana | 3 | $ 551,000 | $ 183,666 | $ 66,000 |
| Carroll, Indiana | 3 | $ 287,000 | $ 95,666 | $ 123,000 |
| Tippecanoe, Indiana | 3 | $ 371,000 | $ 123,666 | $ 63,000 |
| White, Indiana | 3 | $ 600,000 | $ 200,000 | $ 97,000 |
| Highlands, Florida | 2 | $ 276,000 | $ 138,000 | $ 117,000 |
| Lee, Florida | 2 | $ 266,000 | $ 133,000 | $ 91,000 |
| Benton, Indiana | 2 | $ 281,000 | $ 140,500 | $ 179,000 |
| Clinton, Indiana | 2 | $ 179,000 | $ 89,500 | $ 55,000 |
| Hendricks, Indiana | 2 | $ 174,000 | $ 87,000 | $ 117,000 |
| Jackson, Indiana | 2 | $ 216,000 | $ 108,000 | $ 146,000 |
| Knox, Indiana | 2 | $ 354,000 | $ 177,000 | $ 120,000 |
| Warren, Indiana | 2 | $ 203,000 | $ 101,500 | $ 97,000 |
| Whitley, Indiana | 2 | $ 126,000 | $ 63,000 | $ 49,000 |
| Citrus, Florida | 1 | $ 76,000 | $ 76,000 | $ 40,000 |
| Collier, Florida | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Marion, Florida | 1 | $ 195,000 | $ 195,000 | $ 138,000 |
| Douglas, Illinois | 1 | $ 59,000 | $ 59,000 | $ 30,000 |
| Effingham, Illinois | 1 | $ 414,000 | $ 414,000 | $ 87,000 |
| Iroquois, Illinois | 1 | $ 30,000 | $ 30,000 | $ 25,000 |
| Blackford, Indiana | 1 | $ 98,000 | $ 98,000 | $ 106,000 |
| Gibson, Indiana | 1 | $ 150,000 | $ 150,000 | $ 21,000 |
| Greene, Indiana | 1 | $ 37,000 | $ 37,000 | $ 20,000 |
| Hancock, Indiana | 1 | $ 98,000 | $ 98,000 | $ 252,000 |
| Henry, Indiana | 1 | $ 90,000 | $ 90,000 | $ 35,000 |
| Jasper, Indiana | 1 | $ 417,000 | $ 417,000 | $ 140,000 |
| LaGrange, Indiana | 1 | $ 203,000 | $ 203,000 | $ 69,000 |
| Lake, Indiana | 1 | $ 235,000 | $ 235,000 | $ 81,000 |
| Monroe, Indiana | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Montgomery, Indiana | 1 | $ 220,000 | $ 220,000 | $ 2,141,000 |
| Newton, Indiana | 1 | $ 228,000 | $ 228,000 | $ 107,000 |
| Owen, Indiana | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Rush, Indiana | 1 | $ 188,000 | $ 188,000 | $ 36,000 |
| Shelby, Indiana | 1 | $ 112,000 | $ 112,000 | $ 219,000 |
| Union, Indiana | 1 | $ 190,000 | $ 190,000 | $ 56,000 |
| Gratiot, Michigan | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Licking, Ohio | 1 | $ 120,000 | $ 120,000 | $ 154,000 |
| Summit, Ohio | 1 | $ 275,000 | $ 275,000 | $ 230,000 |
| Dauphin, Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2015
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 | 496 | $57,277,000 | $115,000 | $3,918,000 | $65,000 | $1,133,000 |
| Refinancing | 427 | $44,707,000 | $104,000 | $750,000 | $77,000 | $2,141,000 |
| Home Improvement | 124 | $8,798,000 | $70,000 | $316,000 | $70,000 | $378,000 |
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 | 972 | $98,733,000 | $101,000 | $878,000 | $73,000 | $2,141,000 |
| Not Provided | 25 | $2,275,000 | $91,000 | $300,000 | $36,000 | $118,000 |
| Hispanic | 25 | $1,945,000 | $77,000 | $159,000 | $47,000 | $135,000 |
| Not applicable | 14 | $7,024,000 | $501,000 | $3,918,000 | $21,000 | $307,000 |
| Black or African American | 9 | $635,000 | $70,000 | $169,000 | $70,000 | $295,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $72,000 | $72,000 |
| Asian | 1 | $145,000 | $145,000 | $145,000 | $77,000 | $77,000 |
| 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) | 1,017 | $108,373,000 | $106,000 | $3,918,000 | $71,000 | $2,141,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $1,604,000 | $72,000 | $150,000 | $40,000 | $79,000 |
| VA-guaranteed (Veterans Administration) | 4 | $468,000 | $117,000 | $200,000 | $43,000 | $62,000 |
| FHA-insured (Federal Housing Administration) | 4 | $337,000 | $84,000 | $106,000 | $37,000 | $49,000 |
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 | 591 | $70,714,000 | $119,000 | $3,918,000 | $81,000 | $2,141,000 |
| Preapproval Denied by Financial Institution | 175 | $13,801,000 | $78,000 | $280,000 | $46,000 | $161,000 |
| Application Denied By Financial Institution | 155 | $13,998,000 | $90,000 | $414,000 | $56,000 | $196,000 |
| Application Approved But Not Accepted | 88 | $8,787,000 | $99,000 | $417,000 | $73,000 | $312,000 |
| Preapproval Approved but not Accepted | 20 | $1,896,000 | $94,000 | $228,000 | $85,000 | $287,000 |
| Application Withdrawn By Applicant | 18 | $1,586,000 | $88,000 | $235,000 | $73,000 | $208,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 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 2015 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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