First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, First Farmers Bank & Trust of Converse, IN reported 2,030 mortgage applications totaling $317.7 million, up 85% from 2019. The average application was for $156,492, and applicants reported an average income of $90,571. 59% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Kokomo, IN (276), Indianapolis-Carmel-Anderson, IN (210) and Terre Haute, IN (169) (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 | 2,030 |
| Total Mortgage Loan Application Amount | $317,680,000 |
| Average Mortgage Loan Application Amount | $156,492 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $90,571 |
| Highest Applicant Income | $1,367,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 276 | $ 42,130,000 | $ 152,644 | $ 79,000 |
| Grant, Indiana | 148 | $ 21,170,000 | $ 143,040 | $ 87,000 |
| Miami, Indiana | 122 | $ 14,600,000 | $ 119,672 | $ 78,000 |
| Tipton, Indiana | 115 | $ 19,955,000 | $ 173,521 | $ 104,000 |
| Hamilton, Indiana | 109 | $ 35,485,000 | $ 325,550 | $ 185,000 |
| Cass, Indiana | 73 | $ 9,095,000 | $ 124,589 | $ 77,000 |
| Starke, Indiana | 73 | $ 9,595,000 | $ 131,438 | $ 74,000 |
| Vigo, Indiana | 65 | $ 8,945,000 | $ 137,615 | $ 71,000 |
| Madison, Indiana | 63 | $ 7,385,000 | $ 117,222 | $ 69,000 |
| Wabash, Indiana | 58 | $ 8,920,000 | $ 153,793 | $ 85,000 |
| Edgar, Illinois | 57 | $ 6,985,000 | $ 122,543 | $ 83,000 |
| Vermilion, Illinois | 50 | $ 4,530,000 | $ 90,600 | $ 66,000 |
| Clay, Indiana | 42 | $ 6,150,000 | $ 146,428 | $ 79,000 |
| Sullivan, Indiana | 36 | $ 4,330,000 | $ 120,277 | $ 62,000 |
| Carroll, Indiana | 35 | $ 5,365,000 | $ 153,285 | $ 113,000 |
| Marshall, Indiana | 25 | $ 4,975,000 | $ 199,000 | $ 173,000 |
| Vermillion, Indiana | 22 | $ 2,740,000 | $ 124,545 | $ 115,000 |
| Tippecanoe, Indiana | 20 | $ 4,290,000 | $ 214,500 | $ 150,000 |
| Huntington, Indiana | 17 | $ 2,665,000 | $ 156,764 | $ 98,000 |
| Boone, Indiana | 13 | $ 3,245,000 | $ 249,615 | $ 106,000 |
| Fulton, Indiana | 13 | $ 3,625,000 | $ 278,846 | $ 69,000 |
| Kosciusko, Indiana | 13 | $ 3,005,000 | $ 231,153 | $ 184,000 |
| LaPorte, Indiana | 13 | $ 1,895,000 | $ 145,769 | $ 65,000 |
| Marion, Indiana | 12 | $ 2,540,000 | $ 211,666 | $ 148,000 |
| Wells, Indiana | 9 | $ 1,515,000 | $ 168,333 | $ 102,000 |
| White, Indiana | 9 | $ 1,495,000 | $ 166,111 | $ 126,000 |
| Delaware, Indiana | 8 | $ 1,000,000 | $ 125,000 | $ 108,000 |
| Iroquois, Illinois | 7 | $ 885,000 | $ 126,428 | $ 73,000 |
| Clinton, Indiana | 7 | $ 1,095,000 | $ 156,428 | $ 83,000 |
| Lee, Florida | 6 | $ 960,000 | $ 160,000 | $ 93,000 |
| Coles, Illinois | 6 | $ 730,000 | $ 121,666 | $ 56,000 |
| Greene, Indiana | 6 | $ 820,000 | $ 136,666 | $ 73,000 |
| Pulaski, Indiana | 6 | $ 750,000 | $ 125,000 | $ 77,000 |
| Allen, Indiana | 5 | $ 875,000 | $ 175,000 | $ 84,000 |
| Montgomery, Indiana | 5 | $ 1,365,000 | $ 273,000 | $ 269,000 |
| Porter, Indiana | 5 | $ 955,000 | $ 191,000 | $ 228,000 |
| Pinellas, Florida | 4 | $ 2,560,000 | $ 640,000 | $ 364,000 |
| Clark, Illinois | 4 | $ 540,000 | $ 135,000 | $ 133,000 |
| Parke, Indiana | 4 | $ 610,000 | $ 152,500 | $ 83,000 |
| St. Joseph, Indiana | 4 | $ 5,350,000 | $ 1,337,500 | $ 50,000 |
| Hendricks, Indiana | 3 | $ 965,000 | $ 321,666 | $ 94,000 |
| Jasper, Indiana | 3 | $ 285,000 | $ 95,000 | $ 83,000 |
| Johnson, Indiana | 3 | $ 1,355,000 | $ 451,666 | $ 256,000 |
| Monroe, Indiana | 3 | $ 355,000 | $ 118,333 | $ 171,000 |
| Warren, Indiana | 3 | $ 335,000 | $ 111,666 | $ 79,000 |
| Sevier, Tennessee | 3 | $ 905,000 | $ 301,666 | $ 680,000 |
| Bay, Florida | 2 | $ 570,000 | $ 285,000 | $ 172,000 |
| Collier, Florida | 2 | $ 760,000 | $ 380,000 | $ 280,000 |
| Indian River, Florida | 2 | $ 390,000 | $ 195,000 | $ 214,000 |
| Carroll, Georgia | 2 | $ 250,000 | $ 125,000 | $ 81,000 |
| Champaign, Illinois | 2 | $ 120,000 | $ 60,000 | $ 18,000 |
| Lake, Illinois | 2 | $ 510,000 | $ 255,000 | $ 119,000 |
| Blackford, Indiana | 2 | $ 360,000 | $ 180,000 | $ 94,000 |
| Fountain, Indiana | 2 | $ 310,000 | $ 155,000 | $ 75,000 |
| Hancock, Indiana | 2 | $ 470,000 | $ 235,000 | $ 148,000 |
| Morgan, Indiana | 2 | $ 330,000 | $ 165,000 | $ 93,000 |
| Putnam, Indiana | 2 | $ 380,000 | $ 190,000 | $ 124,000 |
| Whitley, Indiana | 2 | $ 330,000 | $ 165,000 | $ 131,000 |
| Rutherford, Tennessee | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| Chaffee, Colorado | 1 | $ 515,000 | $ 515,000 | $ 236,000 |
| Nassau, Florida | 1 | $ 645,000 | $ 645,000 | $ 234,000 |
| Douglas, Illinois | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Kane, Illinois | 1 | $ 425,000 | $ 425,000 | $ 223,000 |
| Madison, Illinois | 1 | $ 125,000 | $ 125,000 | $ 46,000 |
| Shelby, Illinois | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Woodford, Illinois | 1 | $ 355,000 | $ 355,000 | $ 138,000 |
| Brown, Indiana | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Daviess, Indiana | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Decatur, Indiana | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Gibson, Indiana | 1 | $ 205,000 | $ 205,000 | $ 48,000 |
| Henry, Indiana | 1 | $ 115,000 | $ 115,000 | $ 101,000 |
| Knox, Indiana | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Owen, Indiana | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Randolph, Indiana | 1 | $ 155,000 | $ 155,000 | $ 159,000 |
| Steuben, Indiana | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Pulaski, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 376,000 |
| Berrien, Michigan | 1 | $ 145,000 | $ 145,000 | $ 134,000 |
| Lake, Michigan | 1 | $ 205,000 | $ 205,000 | $ 273,000 |
| Oscoda, Michigan | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Beaufort, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 74,000 |
| Mecklenburg, North Carolina | 1 | $ 285,000 | $ 285,000 | $ 81,000 |
| Greene, Ohio | 1 | $ 305,000 | $ 305,000 | $ 255,000 |
| Dauphin, Pennsylvania | 1 | $ 285,000 | $ 285,000 | $ 400,000 |
| Beaufort, South Carolina | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
| Fairfield, South Carolina | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Pickens, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Sumner, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Wilson, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 584,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2020
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 | 876 | $117,940,000 | $134,000 | $1,505,000 | $72,000 | $870,000 |
| Refinancing | 603 | $104,995,000 | $174,000 | $3,505,000 | $105,000 | $1,367,000 |
| Cash-out Refinancing | 480 | $73,370,000 | $152,000 | $5,005,000 | $96,000 | $826,000 |
| Home Improvement | 32 | $3,400,000 | $106,000 | $225,000 | $100,000 | $584,000 |
| Not Applicable | 27 | $16,355,000 | $605,000 | $3,335,000 | $259,000 | $633,000 |
| Other Purpose | 12 | $1,620,000 | $135,000 | $415,000 | $100,000 | $245,000 |
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 | 1,803 | $261,025,000 | $144,000 | $1,145,000 | $90,000 | $1,367,000 |
| Not Provided | 108 | $14,540,000 | $134,000 | $515,000 | $73,000 | $349,000 |
| Not applicable | 50 | $33,570,000 | $671,000 | $5,005,000 | $259,000 | $633,000 |
| Hispanic | 40 | $4,080,000 | $102,000 | $235,000 | $54,000 | $126,000 |
| Asian | 14 | $2,650,000 | $189,000 | $515,000 | $126,000 | $444,000 |
| Black or African American | 10 | $770,000 | $77,000 | $175,000 | $54,000 | $172,000 |
| American Indian or Alaskan Native | 5 | $1,045,000 | $209,000 | $305,000 | $85,000 | $122,000 |
| 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) | 1,983 | $313,095,000 | $157,000 | $5,005,000 | $92,000 | $1,367,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,350,000 | $90,000 | $165,000 | $43,000 | $98,000 |
| FHA-insured (Federal Housing Administration) | 20 | $2,180,000 | $109,000 | $205,000 | $54,000 | $113,000 |
| VA-guaranteed (Veterans Administration) | 1 | $55,000 | $55,000 | $55,000 | $75,000 | $75,000 |
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 | 1,190 | $197,280,000 | $165,000 | $5,005,000 | $98,000 | $1,367,000 |
| Preapproval Approved but not Accepted | 219 | $28,735,000 | $131,000 | $485,000 | $64,000 | $596,000 |
| Application Approved But Not Accepted | 211 | $29,375,000 | $139,000 | $545,000 | $101,000 | $826,000 |
| Preapproval Denied by Financial Institution | 173 | $17,685,000 | $102,000 | $305,000 | $52,000 | $235,000 |
| Application Denied By Financial Institution | 164 | $21,430,000 | $130,000 | $515,000 | $69,000 | $370,000 |
| Application Withdrawn By Applicant | 45 | $6,805,000 | $151,000 | $495,000 | $109,000 | $300,000 |
| Loan Purchased By The Institution | 27 | $16,355,000 | $605,000 | $3,335,000 | $259,000 | $633,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $13,000 | $13,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,693 | $278,565,000 | $164,000 | $5,005,000 | $97,000 | $1,367,000 |
| Credit History | 200 | $22,350,000 | $111,000 | $505,000 | $67,000 | $240,000 |
| Debt-To-Income Ratio | 88 | $11,170,000 | $126,000 | $305,000 | $37,000 | $112,000 |
| Collateral | 23 | $3,295,000 | $143,000 | $515,000 | $101,000 | $370,000 |
| Other | 11 | $715,000 | $65,000 | $195,000 | $65,000 | $144,000 |
| Credit Application Incomplete | 10 | $1,140,000 | $114,000 | $305,000 | $38,000 | $134,000 |
| Employment History | 4 | $400,000 | $100,000 | $165,000 | $38,000 | $73,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Farmers Bank & Trust's 2020 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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