First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, First Farmers Bank & Trust of Converse, IN reported 1,141 mortgage applications totaling $130.0 million, about the same as 2016. The average application was for $113,929, and applicants reported an average income of $66,039. 55% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kokomo, IN (192), Indianapolis-Carmel-Anderson, IN (86) and Terre Haute, IN (81) (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 | 1,141 |
| Total Mortgage Loan Application Amount | $129,994,000 |
| Average Mortgage Loan Application Amount | $113,929 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $66,039 |
| Highest Applicant Income | $1,545,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | $ 22,726,000 | $ 118,364 | $ 67,000 |
| Grant, Indiana | 108 | $ 12,258,000 | $ 113,500 | $ 64,000 |
| Miami, Indiana | 97 | $ 8,568,000 | $ 88,329 | $ 59,000 |
| Tipton, Indiana | 58 | $ 6,209,000 | $ 107,051 | $ 63,000 |
| Cass, Indiana | 55 | $ 7,011,000 | $ 127,472 | $ 66,000 |
| Wabash, Indiana | 42 | $ 4,523,000 | $ 107,690 | $ 62,000 |
| Starke, Indiana | 40 | $ 4,402,000 | $ 110,050 | $ 45,000 |
| Madison, Indiana | 31 | $ 2,650,000 | $ 85,483 | $ 55,000 |
| Hamilton, Indiana | 30 | $ 6,749,000 | $ 224,966 | $ 127,000 |
| Vigo, Indiana | 28 | $ 2,850,000 | $ 101,785 | $ 58,000 |
| Clay, Indiana | 26 | $ 2,389,000 | $ 91,884 | $ 55,000 |
| Edgar, Illinois | 22 | $ 1,868,000 | $ 84,909 | $ 63,000 |
| Sullivan, Indiana | 21 | $ 1,487,000 | $ 70,809 | $ 50,000 |
| Vermilion, Illinois | 20 | $ 1,272,000 | $ 63,600 | $ 41,000 |
| Carroll, Indiana | 13 | $ 1,681,000 | $ 129,307 | $ 77,000 |
| LaPorte, Indiana | 10 | $ 1,201,000 | $ 120,100 | $ 68,000 |
| Marion, Indiana | 10 | $ 1,935,000 | $ 193,500 | $ 132,000 |
| Huntington, Indiana | 9 | $ 1,540,000 | $ 171,111 | $ 71,000 |
| Marshall, Indiana | 8 | $ 1,596,000 | $ 199,500 | $ 310,000 |
| Clinton, Indiana | 7 | $ 1,270,000 | $ 181,428 | $ 148,000 |
| White, Indiana | 7 | $ 2,634,000 | $ 376,285 | $ 63,000 |
| Boone, Indiana | 6 | $ 1,228,000 | $ 204,666 | $ 153,000 |
| Fulton, Indiana | 6 | $ 489,000 | $ 81,500 | $ 53,000 |
| Vermillion, Indiana | 6 | $ 657,000 | $ 109,500 | $ 61,000 |
| Iroquois, Illinois | 5 | $ 271,000 | $ 54,200 | $ 41,000 |
| Delaware, Indiana | 5 | $ 719,000 | $ 143,800 | $ 98,000 |
| Tippecanoe, Indiana | 5 | $ 321,000 | $ 64,200 | $ 50,000 |
| Kosciusko, Indiana | 4 | $ 1,339,000 | $ 334,750 | $ 56,000 |
| Pulaski, Indiana | 4 | $ 304,000 | $ 76,000 | $ 48,000 |
| Lee, Florida | 3 | $ 593,000 | $ 197,666 | $ 98,000 |
| Morgan, Indiana | 3 | $ 207,000 | $ 69,000 | $ 0 |
| Owen, Indiana | 3 | $ 254,000 | $ 84,666 | $ 74,000 |
| Wells, Indiana | 3 | $ 472,000 | $ 157,333 | $ 113,000 |
| Clark, Illinois | 2 | $ 272,000 | $ 136,000 | $ 111,000 |
| Coles, Illinois | 2 | $ 96,000 | $ 48,000 | $ 74,000 |
| DuPage, Illinois | 2 | $ 384,000 | $ 192,000 | $ 143,000 |
| Allen, Indiana | 2 | $ 292,000 | $ 146,000 | $ 60,000 |
| Blackford, Indiana | 2 | $ 251,000 | $ 125,500 | $ 47,000 |
| Fountain, Indiana | 2 | $ 232,000 | $ 116,000 | $ 142,000 |
| Harrison, Indiana | 2 | $ 358,000 | $ 179,000 | $ 86,000 |
| Hendricks, Indiana | 2 | $ 475,000 | $ 237,500 | $ 85,000 |
| Parke, Indiana | 2 | $ 292,000 | $ 146,000 | $ 96,000 |
| Putnam, Indiana | 2 | $ 357,000 | $ 178,500 | $ 76,000 |
| Whitley, Indiana | 2 | $ 240,000 | $ 120,000 | $ 97,000 |
| Van Buren, Michigan | 2 | $ 399,000 | $ 199,500 | $ 44,000 |
| New Hanover, North Carolina | 2 | $ 590,000 | $ 295,000 | $ 300,000 |
| Warren, Ohio | 2 | $ 625,000 | $ 312,500 | $ 2,000 |
| Brevard, Florida | 1 | $ 79,000 | $ 79,000 | $ 51,000 |
| Manatee, Florida | 1 | $ 126,000 | $ 126,000 | $ 211,000 |
| Nassau, Florida | 1 | $ 272,000 | $ 272,000 | $ 125,000 |
| Palm Beach, Florida | 1 | $ 424,000 | $ 424,000 | $ 702,000 |
| Pinellas, Florida | 1 | $ 289,000 | $ 289,000 | $ 618,000 |
| Sarasota, Florida | 1 | $ 185,000 | $ 185,000 | $ 212,000 |
| Cook, Illinois | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Brown, Indiana | 1 | $ 108,000 | $ 108,000 | $ 172,000 |
| Greene, Indiana | 1 | $ 100,000 | $ 100,000 | $ 119,000 |
| Henry, Indiana | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Jasper, Indiana | 1 | $ 64,000 | $ 64,000 | $ 23,000 |
| Jay, Indiana | 1 | $ 175,000 | $ 175,000 | $ 34,000 |
| Johnson, Indiana | 1 | $ 158,000 | $ 158,000 | $ 108,000 |
| Monroe, Indiana | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Montgomery, Indiana | 1 | $ 100,000 | $ 100,000 | $ 122,000 |
| Ohio, Indiana | 1 | $ 56,000 | $ 56,000 | $ 35,000 |
| Porter, Indiana | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Randolph, Indiana | 1 | $ 168,000 | $ 168,000 | $ 236,000 |
| St. Joseph, Indiana | 1 | $ 112,000 | $ 112,000 | $ 29,000 |
| Berrien, Michigan | 1 | $ 169,000 | $ 169,000 | $ 82,000 |
| Newaygo, Michigan | 1 | $ 50,000 | $ 50,000 | $ 31,000 |
| Clay, Missouri | 1 | $ 327,000 | $ 327,000 | $ 89,000 |
| Haywood, North Carolina | 1 | $ 229,000 | $ 229,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2017
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 | 696 | $77,941,000 | $111,000 | $1,697,000 | $65,000 | $702,000 |
| Refinancing | 346 | $41,869,000 | $121,000 | $2,000,000 | $69,000 | $1,545,000 |
| Home Improvement | 99 | $10,184,000 | $102,000 | $360,000 | $63,000 | $184,000 |
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 | 1,047 | $118,064,000 | $112,000 | $2,000,000 | $68,000 | $1,545,000 |
| Hispanic | 39 | $2,913,000 | $74,000 | $200,000 | $48,000 | $262,000 |
| Not applicable | 23 | $4,612,000 | $200,000 | $1,697,000 | $0 | $0 |
| Not Provided | 16 | $2,259,000 | $141,000 | $304,000 | $70,000 | $520,000 |
| Asian | 9 | $1,189,000 | $132,000 | $290,000 | $75,000 | $205,000 |
| Black or African American | 6 | $848,000 | $141,000 | $230,000 | $88,000 | $240,000 |
| American Indian or Alaskan Native | 1 | $109,000 | $109,000 | $109,000 | $33,000 | $33,000 |
| 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) | 1,121 | $128,246,000 | $114,000 | $2,000,000 | $67,000 | $1,545,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,355,000 | $84,000 | $140,000 | $43,000 | $101,000 |
| VA-guaranteed (Veterans Administration) | 2 | $210,000 | $105,000 | $170,000 | $52,000 | $59,000 |
| FHA-insured (Federal Housing Administration) | 2 | $183,000 | $91,000 | $145,000 | $45,000 | $58,000 |
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 | 623 | $76,143,000 | $122,000 | $2,000,000 | $68,000 | $702,000 |
| Preapproval Denied by Financial Institution | 199 | $17,593,000 | $88,000 | $424,000 | $45,000 | $243,000 |
| Application Denied By Financial Institution | 164 | $17,313,000 | $105,000 | $760,000 | $66,000 | $1,545,000 |
| Application Approved But Not Accepted | 141 | $17,285,000 | $122,000 | $680,000 | $91,000 | $648,000 |
| Application Withdrawn By Applicant | 11 | $1,288,000 | $117,000 | $256,000 | $63,000 | $122,000 |
| Preapproval Approved but not Accepted | 3 | $372,000 | $124,000 | $219,000 | $74,000 | $137,000 |
| 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 2017 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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