First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, First Farmers Bank & Trust of Converse, IN reported 2,575 mortgage applications totaling $356.9 million, up 27% from 2020. The average application was for $138,600, and applicants reported an average income of $90,809. 60% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Kokomo, IN (412), Indianapolis-Carmel-Anderson, IN (215) and Terre Haute, IN (208) (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 | 2,575 |
| Total Mortgage Loan Application Amount | $356,895,000 |
| Average Mortgage Loan Application Amount | $138,600 |
| Highest Mortgage Loan Application Amount | $12,905,000 |
| Average Applicant Income | $90,809 |
| Highest Applicant Income | $4,217,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 412 | $ 49,140,000 | $ 119,271 | $ 81,000 |
| Miami, Indiana | 212 | $ 22,730,000 | $ 107,216 | $ 88,000 |
| Grant, Indiana | 175 | $ 17,815,000 | $ 101,800 | $ 77,000 |
| Tipton, Indiana | 157 | $ 20,015,000 | $ 127,484 | $ 92,000 |
| Cass, Indiana | 122 | $ 11,820,000 | $ 96,885 | $ 73,000 |
| Starke, Indiana | 101 | $ 10,405,000 | $ 103,019 | $ 74,000 |
| Hamilton, Indiana | 90 | $ 23,110,000 | $ 256,777 | $ 213,000 |
| Vermilion, Illinois | 77 | $ 4,705,000 | $ 61,103 | $ 81,000 |
| Madison, Indiana | 76 | $ 13,470,000 | $ 177,236 | $ 65,000 |
| Wabash, Indiana | 70 | $ 6,960,000 | $ 99,428 | $ 79,000 |
| Vigo, Indiana | 64 | $ 7,710,000 | $ 120,468 | $ 90,000 |
| Sullivan, Indiana | 59 | $ 5,195,000 | $ 88,050 | $ 68,000 |
| Clay, Indiana | 51 | $ 5,705,000 | $ 111,862 | $ 79,000 |
| Edgar, Illinois | 48 | $ 3,280,000 | $ 68,333 | $ 75,000 |
| Carroll, Indiana | 38 | $ 4,980,000 | $ 131,052 | $ 164,000 |
| Tippecanoe, Indiana | 37 | $ 9,925,000 | $ 268,243 | $ 93,000 |
| Marshall, Indiana | 28 | $ 5,070,000 | $ 181,071 | $ 87,000 |
| Vermillion, Indiana | 28 | $ 2,580,000 | $ 92,142 | $ 62,000 |
| Clinton, Indiana | 25 | $ 3,265,000 | $ 130,600 | $ 83,000 |
| Fulton, Indiana | 23 | $ 4,015,000 | $ 174,565 | $ 194,000 |
| Boone, Indiana | 15 | $ 3,565,000 | $ 237,666 | $ 120,000 |
| Kosciusko, Indiana | 14 | $ 3,080,000 | $ 220,000 | $ 189,000 |
| Pulaski, Indiana | 14 | $ 1,850,000 | $ 132,142 | $ 56,000 |
| LaPorte, Indiana | 13 | $ 1,315,000 | $ 101,153 | $ 93,000 |
| White, Indiana | 13 | $ 1,965,000 | $ 151,153 | $ 81,000 |
| Iroquois, Illinois | 9 | $ 715,000 | $ 79,444 | $ 70,000 |
| Marion, Indiana | 9 | $ 1,315,000 | $ 146,111 | $ 145,000 |
| Wells, Indiana | 9 | $ 1,165,000 | $ 129,444 | $ 135,000 |
| Coles, Illinois | 8 | $ 690,000 | $ 86,250 | $ 68,000 |
| Huntington, Indiana | 8 | $ 1,080,000 | $ 135,000 | $ 66,000 |
| Morgan, Indiana | 7 | $ 1,735,000 | $ 247,857 | $ 110,000 |
| Delaware, Indiana | 6 | $ 740,000 | $ 123,333 | $ 90,000 |
| Greene, Indiana | 6 | $ 720,000 | $ 120,000 | $ 66,000 |
| Hendricks, Indiana | 6 | $ 1,020,000 | $ 170,000 | $ 84,000 |
| Johnson, Indiana | 6 | $ 1,030,000 | $ 171,666 | $ 59,000 |
| Owen, Indiana | 6 | $ 610,000 | $ 101,666 | $ 149,000 |
| Parke, Indiana | 6 | $ 700,000 | $ 116,666 | $ 67,000 |
| Lee, Florida | 5 | $ 1,365,000 | $ 273,000 | $ 122,000 |
| Blackford, Indiana | 5 | $ 555,000 | $ 111,000 | $ 79,000 |
| Fountain, Indiana | 5 | $ 1,045,000 | $ 209,000 | $ 129,000 |
| Montgomery, Indiana | 5 | $ 1,005,000 | $ 201,000 | $ 110,000 |
| St. Joseph, Indiana | 5 | $ 835,000 | $ 167,000 | $ 69,000 |
| Allen, Indiana | 4 | $ 2,570,000 | $ 642,500 | $ 60,000 |
| Putnam, Indiana | 4 | $ 660,000 | $ 165,000 | $ 70,000 |
| Warren, Indiana | 4 | $ 930,000 | $ 232,500 | $ 139,000 |
| Broward, Florida | 3 | $ 1,895,000 | $ 631,666 | $ 628,000 |
| Clark, Illinois | 3 | $ 315,000 | $ 105,000 | $ 57,000 |
| Lake, Indiana | 3 | $ 515,000 | $ 171,666 | $ 80,000 |
| Monroe, Indiana | 3 | $ 305,000 | $ 101,666 | $ 55,000 |
| Lake, Michigan | 3 | $ 625,000 | $ 208,333 | $ 262,000 |
| Van Buren, Michigan | 3 | $ 535,000 | $ 178,333 | $ 106,000 |
| Collier, Florida | 2 | $ 670,000 | $ 335,000 | $ 394,000 |
| Pinellas, Florida | 2 | $ 2,110,000 | $ 1,055,000 | $ 605,000 |
| Kane, Illinois | 2 | $ 450,000 | $ 225,000 | $ 225,000 |
| Lake, Illinois | 2 | $ 610,000 | $ 305,000 | $ 235,000 |
| Hancock, Indiana | 2 | $ 630,000 | $ 315,000 | $ 96,000 |
| Porter, Indiana | 2 | $ 680,000 | $ 340,000 | $ 183,000 |
| Chambers, Alabama | 1 | $ 285,000 | $ 285,000 | $ 4,217,000 |
| Maricopa, Arizona | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Stone, Arkansas | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Sussex, Delaware | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Brevard, Florida | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Glades, Florida | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Hernando, Florida | 1 | $ 255,000 | $ 255,000 | $ 93,000 |
| Palm Beach, Florida | 1 | $ 165,000 | $ 165,000 | $ 676,000 |
| Sumter, Florida | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Walton, Florida | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Champaign, Illinois | 1 | $ 225,000 | $ 225,000 | $ 365,000 |
| Crawford, Illinois | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Douglas, Illinois | 1 | $ 25,000 | $ 25,000 | $ 122,000 |
| Lawrence, Illinois | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Moultrie, Illinois | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| DeKalb, Indiana | 1 | $ 545,000 | $ 545,000 | $ 184,000 |
| Elkhart, Indiana | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Gibson, Indiana | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Jay, Indiana | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Knox, Indiana | 1 | $ 245,000 | $ 245,000 | $ 97,000 |
| Newton, Indiana | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Randolph, Indiana | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Steuben, Indiana | 1 | $ 15,000 | $ 15,000 | $ 108,000 |
| Warrick, Indiana | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Wayne, Indiana | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Whitley, Indiana | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Bullitt, Kentucky | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Benzie, Michigan | 1 | $ 405,000 | $ 405,000 | $ 323,000 |
| Muskegon, Michigan | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Oceana, Michigan | 1 | $ 215,000 | $ 215,000 | $ 55,000 |
| St. Louis, Missouri | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Darke, Ohio | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 12,905,000 | $ 12,905,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 0 |
| York, South Carolina | 1 | $ 465,000 | $ 465,000 | $ 297,000 |
| Putnam, Tennessee | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Hanover, Virginia | 1 | $ 145,000 | $ 145,000 | $ 104,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2021
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 | 1,083 | $188,805,000 | $174,000 | $12,905,000 | $88,000 | $4,217,000 |
| Cash-out Refinancing | 955 | $94,545,000 | $99,000 | $3,005,000 | $92,000 | $1,680,000 |
| Refinancing | 429 | $65,875,000 | $153,000 | $1,305,000 | $98,000 | $2,465,000 |
| Home Improvement | 105 | $7,245,000 | $69,000 | $305,000 | $78,000 | $295,000 |
| Other Purpose | 3 | $425,000 | $141,000 | $305,000 | $146,000 | $342,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,230 | $284,700,000 | $127,000 | $1,605,000 | $89,000 | $2,920,000 |
| Not Provided | 174 | $21,400,000 | $122,000 | $1,055,000 | $102,000 | $702,000 |
| Hispanic | 78 | $7,290,000 | $93,000 | $345,000 | $62,000 | $176,000 |
| Not applicable | 46 | $36,450,000 | $792,000 | $12,905,000 | $0 | $0 |
| Black or African American | 18 | $1,810,000 | $100,000 | $285,000 | $286,000 | $4,217,000 |
| Asian | 15 | $3,795,000 | $253,000 | $545,000 | $114,000 | $365,000 |
| American Indian or Alaskan Native | 12 | $1,340,000 | $111,000 | $295,000 | $73,000 | $144,000 |
| 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) | 2,554 | $354,530,000 | $138,000 | $12,905,000 | $91,000 | $4,217,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,345,000 | $103,000 | $275,000 | $45,000 | $103,000 |
| FHA-insured (Federal Housing Administration) | 7 | $765,000 | $109,000 | $205,000 | $53,000 | $125,000 |
| VA-guaranteed (Veterans Administration) | 1 | $255,000 | $255,000 | $255,000 | $88,000 | $88,000 |
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 | 1,536 | $226,570,000 | $147,000 | $12,905,000 | $96,000 | $2,465,000 |
| Application Denied By Financial Institution | 308 | $28,790,000 | $93,000 | $615,000 | $68,000 | $1,098,000 |
| Preapproval Approved but not Accepted | 275 | $44,945,000 | $163,000 | $1,055,000 | $80,000 | $2,057,000 |
| Application Approved But Not Accepted | 265 | $34,495,000 | $130,000 | $885,000 | $97,000 | $2,220,000 |
| Preapproval Denied by Financial Institution | 148 | $15,820,000 | $106,000 | $445,000 | $44,000 | $122,000 |
| Application Withdrawn By Applicant | 37 | $4,875,000 | $131,000 | $355,000 | $300,000 | $4,217,000 |
| Loan Purchased By The Institution | 6 | $1,400,000 | $233,000 | $415,000 | $75,000 | $109,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,119 | $312,285,000 | $147,000 | $12,905,000 | $97,000 | $4,217,000 |
| Credit History | 238 | $21,970,000 | $92,000 | $615,000 | $65,000 | $1,098,000 |
| Debt-To-Income Ratio | 131 | $14,045,000 | $107,000 | $445,000 | $39,000 | $216,000 |
| Other | 27 | $2,155,000 | $79,000 | $445,000 | $101,000 | $648,000 |
| Collateral | 26 | $2,590,000 | $99,000 | $255,000 | $74,000 | $247,000 |
| Employment History | 25 | $2,945,000 | $117,000 | $395,000 | $69,000 | $692,000 |
| Credit Application Incomplete | 7 | $665,000 | $95,000 | $255,000 | $45,000 | $107,000 |
| Unverifiable Information | 2 | $240,000 | $120,000 | $185,000 | $74,000 | $77,000 |
| 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 2021 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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