First Farmers Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, First Farmers Bank & Trust of Converse, IN reported 1,620 mortgage applications totaling $244.2 million, down 37% from 2021. The average application was for $150,728, and applicants reported an average income of $100,403. 56% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Kokomo, IN (222), Indianapolis-Carmel-Anderson, IN (138) and Terre Haute, IN (130) (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 | 1,620 |
| Total Mortgage Loan Application Amount | $244,180,000 |
| Average Mortgage Loan Application Amount | $150,728 |
| Highest Mortgage Loan Application Amount | $11,765,000 |
| Average Applicant Income | $100,403 |
| Highest Applicant Income | $2,819,000 |
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records First Farmers Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 222 | $ 24,430,000 | $ 110,045 | $ 95,000 |
| Miami, Indiana | 161 | $ 12,625,000 | $ 78,416 | $ 68,000 |
| Grant, Indiana | 130 | $ 15,300,000 | $ 117,692 | $ 85,000 |
| Cass, Indiana | 85 | $ 6,695,000 | $ 78,764 | $ 107,000 |
| Tipton, Indiana | 72 | $ 9,940,000 | $ 138,055 | $ 95,000 |
| Starke, Indiana | 69 | $ 7,145,000 | $ 103,550 | $ 102,000 |
| Vermilion, Illinois | 59 | $ 4,405,000 | $ 74,661 | $ 101,000 |
| Vigo, Indiana | 59 | $ 9,665,000 | $ 163,813 | $ 92,000 |
| Hamilton, Indiana | 56 | $ 11,420,000 | $ 203,928 | $ 142,000 |
| Madison, Indiana | 49 | $ 4,585,000 | $ 93,571 | $ 74,000 |
| Sullivan, Indiana | 40 | $ 4,200,000 | $ 105,000 | $ 115,000 |
| Wabash, Indiana | 37 | $ 3,535,000 | $ 95,540 | $ 79,000 |
| Tippecanoe, Indiana | 36 | $ 8,420,000 | $ 233,888 | $ 175,000 |
| Edgar, Illinois | 31 | $ 2,225,000 | $ 71,774 | $ 66,000 |
| Carroll, Indiana | 21 | $ 2,975,000 | $ 141,666 | $ 97,000 |
| Clay, Indiana | 17 | $ 2,475,000 | $ 145,588 | $ 66,000 |
| Fulton, Indiana | 15 | $ 2,275,000 | $ 151,666 | $ 102,000 |
| Marshall, Indiana | 14 | $ 2,610,000 | $ 186,428 | $ 100,000 |
| Iroquois, Illinois | 10 | $ 1,180,000 | $ 118,000 | $ 86,000 |
| Huntington, Indiana | 10 | $ 2,040,000 | $ 204,000 | $ 93,000 |
| Marion, Indiana | 10 | $ 2,140,000 | $ 214,000 | $ 101,000 |
| Clinton, Indiana | 9 | $ 945,000 | $ 105,000 | $ 66,000 |
| Kosciusko, Indiana | 8 | $ 2,410,000 | $ 301,250 | $ 186,000 |
| Parke, Indiana | 7 | $ 785,000 | $ 112,142 | $ 82,000 |
| Vermillion, Indiana | 7 | $ 765,000 | $ 109,285 | $ 77,000 |
| Hancock, Indiana | 6 | $ 3,770,000 | $ 628,333 | $ 158,000 |
| Hendricks, Indiana | 6 | $ 1,540,000 | $ 256,666 | $ 100,000 |
| Owen, Indiana | 6 | $ 770,000 | $ 128,333 | $ 89,000 |
| White, Indiana | 6 | $ 1,370,000 | $ 228,333 | $ 240,000 |
| Boone, Indiana | 5 | $ 1,165,000 | $ 233,000 | $ 118,000 |
| Delaware, Indiana | 5 | $ 665,000 | $ 133,000 | $ 105,000 |
| Montgomery, Indiana | 5 | $ 875,000 | $ 175,000 | $ 177,000 |
| Pulaski, Indiana | 5 | $ 585,000 | $ 117,000 | $ 68,000 |
| Allen, Indiana | 4 | $ 4,710,000 | $ 1,177,500 | $ 122,000 |
| Blackford, Indiana | 4 | $ 440,000 | $ 110,000 | $ 55,000 |
| Porter, Indiana | 4 | $ 880,000 | $ 220,000 | $ 95,000 |
| St. Joseph, Indiana | 4 | $ 960,000 | $ 240,000 | $ 170,000 |
| Wells, Indiana | 4 | $ 420,000 | $ 105,000 | $ 98,000 |
| Broward, Florida | 3 | $ 865,000 | $ 288,333 | $ 481,000 |
| Lee, Florida | 3 | $ 865,000 | $ 288,333 | $ 426,000 |
| Greene, Indiana | 3 | $ 545,000 | $ 181,666 | $ 109,000 |
| LaPorte, Indiana | 3 | $ 365,000 | $ 121,666 | $ 69,000 |
| Pike, Indiana | 3 | $ 555,000 | $ 185,000 | $ 89,000 |
| Putnam, Indiana | 3 | $ 1,215,000 | $ 405,000 | $ 89,000 |
| Collier, Florida | 2 | $ 2,310,000 | $ 1,155,000 | $ 137,000 |
| Palm Beach, Florida | 2 | $ 3,000,000 | $ 1,500,000 | $ 580,000 |
| Pinellas, Florida | 2 | $ 940,000 | $ 470,000 | $ 498,000 |
| Cook, Illinois | 2 | $ 920,000 | $ 460,000 | $ 235,000 |
| Lake, Indiana | 2 | $ 140,000 | $ 70,000 | $ 501,000 |
| Randolph, Indiana | 2 | $ 670,000 | $ 335,000 | $ 113,000 |
| Charleston, South Carolina | 2 | $ 2,890,000 | $ 1,445,000 | $ 2,128,000 |
| Gulf, Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 453,000 |
| Manatee, Florida | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Marion, Florida | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Carroll, Georgia | 1 | $ 55,000 | $ 55,000 | $ 82,000 |
| De Witt, Illinois | 1 | $ 385,000 | $ 385,000 | $ 119,000 |
| Adams, Indiana | 1 | $ 185,000 | $ 185,000 | $ 81,000 |
| Benton, Indiana | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Brown, Indiana | 1 | $ 315,000 | $ 315,000 | $ 264,000 |
| Decatur, Indiana | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Elkhart, Indiana | 1 | $ 165,000 | $ 165,000 | $ 270,000 |
| Fountain, Indiana | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Henry, Indiana | 1 | $ 285,000 | $ 285,000 | $ 158,000 |
| Jackson, Indiana | 1 | $ 275,000 | $ 275,000 | $ 78,000 |
| Jennings, Indiana | 1 | $ 465,000 | $ 465,000 | $ 229,000 |
| Knox, Indiana | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| LaGrange, Indiana | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Morgan, Indiana | 1 | $ 245,000 | $ 245,000 | $ 142,000 |
| Shelby, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Spencer, Indiana | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Warren, Indiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Pulaski, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 231,000 |
| Calhoun, Michigan | 1 | $ 165,000 | $ 165,000 | $ 125,000 |
| Kalamazoo, Michigan | 1 | $ 645,000 | $ 645,000 | $ 147,000 |
| Wayne, Michigan | 1 | $ 11,765,000 | $ 11,765,000 | $ 0 |
| Taney, Missouri | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Cuyahoga, Ohio | 1 | $ 325,000 | $ 325,000 | $ 91,000 |
| Delaware, Ohio | 1 | $ 545,000 | $ 545,000 | $ 360,000 |
| Anderson, South Carolina | 1 | $ 605,000 | $ 605,000 | $ 868,000 |
| Beaufort, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pickens, South Carolina | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for First Farmers Bank & Trust in 2022
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 | 739 | $150,305,000 | $203,000 | $11,765,000 | $94,000 | $2,819,000 |
| Cash-out Refinancing | 494 | $53,860,000 | $109,000 | $4,155,000 | $103,000 | $2,076,000 |
| Other Purpose | 158 | $9,170,000 | $58,000 | $615,000 | $98,000 | $270,000 |
| Home Improvement | 122 | $8,910,000 | $73,000 | $475,000 | $126,000 | $1,275,000 |
| Refinancing | 107 | $21,935,000 | $205,000 | $2,205,000 | $107,000 | $530,000 |
| 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 | 1,433 | $190,975,000 | $133,000 | $1,505,000 | $99,000 | $2,819,000 |
| Not Provided | 76 | $10,410,000 | $136,000 | $635,000 | $118,000 | $868,000 |
| Hispanic | 49 | $5,315,000 | $108,000 | $305,000 | $89,000 | $838,000 |
| Not applicable | 37 | $28,965,000 | $782,000 | $11,765,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $1,155,000 | $128,000 | $305,000 | $87,000 | $178,000 |
| Asian | 9 | $3,255,000 | $361,000 | $1,415,000 | $126,000 | $554,000 |
| Black or African American | 4 | $820,000 | $205,000 | $585,000 | $97,000 | $175,000 |
| 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) | 1,611 | $242,725,000 | $150,000 | $11,765,000 | $101,000 | $2,819,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,140,000 | $190,000 | $305,000 | $61,000 | $83,000 |
| FHA-insured (Federal Housing Administration) | 3 | $315,000 | $105,000 | $125,000 | $41,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 900 | $146,840,000 | $163,000 | $11,765,000 | $110,000 | $2,819,000 |
| Application Denied By Financial Institution | 228 | $20,310,000 | $89,000 | $645,000 | $72,000 | $456,000 |
| Application Approved But Not Accepted | 208 | $27,890,000 | $134,000 | $1,445,000 | $107,000 | $1,438,000 |
| Preapproval Approved but not Accepted | 151 | $29,655,000 | $196,000 | $1,455,000 | $85,000 | $606,000 |
| Preapproval Denied by Financial Institution | 108 | $16,450,000 | $152,000 | $585,000 | $65,000 | $288,000 |
| Application Withdrawn By Applicant | 22 | $2,740,000 | $124,000 | $595,000 | $221,000 | $2,076,000 |
| Loan Purchased By The Institution | 3 | $295,000 | $98,000 | $155,000 | $84,000 | $148,000 |
| 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 | 1,284 | $207,420,000 | $161,000 | $11,765,000 | $109,000 | $2,819,000 |
| Credit History | 173 | $17,295,000 | $99,000 | $525,000 | $76,000 | $456,000 |
| Debt-To-Income Ratio | 110 | $14,760,000 | $134,000 | $645,000 | $54,000 | $288,000 |
| Collateral | 30 | $1,740,000 | $58,000 | $185,000 | $81,000 | $216,000 |
| Other | 10 | $1,190,000 | $119,000 | $415,000 | $109,000 | $241,000 |
| Employment History | 8 | $830,000 | $103,000 | $215,000 | $52,000 | $102,000 |
| Credit Application Incomplete | 3 | $495,000 | $165,000 | $385,000 | $111,000 | $111,000 |
| Unverifiable Information | 1 | $305,000 | $305,000 | $305,000 | $190,000 | $190,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $145,000 | $145,000 | $145,000 | $41,000 | $41,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Farmers Bank & Trust's 2022 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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