First Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
First Federal Savings Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | First Federal Savings Bank 301 E 9Th Street Rochester, IN 46975 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,457 |
| Total Mortgage Loan Application Amount | $353,333,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $89,000 |
| Highest Applicant Income | $1,830,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with First Federal Savings Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing First Federal Savings Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down First Federal Savings Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how First Federal Savings Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Federal Savings Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at First Federal Savings Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Marshall County Indiana | 666 | $ 63,819,000 | $ 95,000 | $ 50,000 |
| Elkhart County Indiana | 593 | $ 66,823,000 | $ 112,000 | $ 58,000 |
| Kosciusko County Indiana | 526 | $ 62,038,000 | $ 117,000 | $ 81,000 |
| St. Joseph County Indiana | 513 | $ 53,238,000 | $ 103,000 | $ 85,000 |
| Fulton County Indiana | 393 | $ 32,493,000 | $ 82,000 | $ 52,000 |
| Starke County Indiana | 198 | $ 16,797,000 | $ 84,000 | $ 52,000 |
| Pulaski County Indiana | 138 | $ 10,035,000 | $ 72,000 | $ 47,000 |
| Cass County Michigan | 52 | $ 8,157,000 | $ 156,000 | $ 88,000 |
| Miami County Indiana | 38 | $ 2,819,000 | $ 74,000 | $ 66,000 |
| Noble County Indiana | 33 | $ 3,260,000 | $ 98,000 | $ 57,000 |
| Wabash County Indiana | 32 | $ 2,366,000 | $ 73,000 | $ 54,000 |
| LaGrange County Indiana | 28 | $ 2,734,000 | $ 97,000 | $ 56,000 |
| Whitley County Indiana | 25 | $ 2,903,000 | $ 116,000 | $ 76,000 |
| LaPorte County Indiana | 23 | $ 2,206,000 | $ 95,000 | $ 58,000 |
| Allen County Indiana | 15 | $ 1,719,000 | $ 114,000 | $ 61,000 |
| Steuben County Indiana | 15 | $ 1,580,000 | $ 105,000 | $ 57,000 |
| Berrien County Michigan | 14 | $ 1,922,000 | $ 137,000 | $ 79,000 |
| White County Indiana | 12 | $ 809,000 | $ 67,000 | $ 52,000 |
| Carroll County Indiana | 11 | $ 1,088,000 | $ 98,000 | $ 68,000 |
| Marion County Indiana | 11 | $ 1,109,000 | $ 100,000 | $ 135,000 |
| Cass County Indiana | 10 | $ 1,011,000 | $ 101,000 | $ 59,000 |
| DeKalb County Indiana | 10 | $ 1,057,000 | $ 105,000 | $ 47,000 |
| Porter County Indiana | 8 | $ 1,071,000 | $ 133,000 | $ 58,000 |
| Howard County Indiana | 7 | $ 736,000 | $ 105,000 | $ 94,000 |
| Lake County Indiana | 7 | $ 584,000 | $ 83,000 | $ 46,000 |
| Cook County Illinois | 6 | $ 986,000 | $ 164,000 | $ 85,000 |
| Grant County Indiana | 6 | $ 469,000 | $ 78,000 | $ 77,000 |
| St. Joseph County Michigan | 6 | $ 902,000 | $ 150,000 | $ 62,000 |
| Jasper County Indiana | 5 | $ 663,000 | $ 132,000 | $ 64,000 |
| Hamilton County Indiana | 4 | $ 682,000 | $ 170,000 | $ 71,000 |
| Huntington County Indiana | 4 | $ 467,000 | $ 116,000 | $ 97,000 |
| Paulding County Ohio | 4 | $ 394,000 | $ 98,000 | $ 55,000 |
| Madison County Indiana | 3 | $ 321,000 | $ 107,000 | $ 228,000 |
| DeSoto County Florida | 2 | $ 179,000 | $ 89,000 | $ 123,000 |
| DuPage County Illinois | 2 | $ 650,000 | $ 325,000 | $ 401,000 |
| Delaware County Indiana | 2 | $ 189,000 | $ 94,000 | $ 89,000 |
| Washington County Indiana | 2 | $ 259,000 | $ 129,000 | $ 77,000 |
| Van Wert County Ohio | 2 | $ 221,000 | $ 110,000 | $ 48,000 |
| Chesterfield County Virginia | 2 | $ 285,000 | $ 142,000 | $ 132,000 |
| Riverside County California | 1 | $ 83,000 | $ 83,000 | $ 79,000 |
| Charlotte County Florida | 1 | $ 150,000 | $ 150,000 | $ 194,000 |
| Collier County Florida | 1 | $ 500,000 | $ 500,000 | $ 307,000 |
| Hillsborough County Florida | 1 | $ 189,000 | $ 189,000 | $ 87,000 |
| Lee County Florida | 1 | $ 150,000 | $ 150,000 | $ 27,000 |
| Sumter County Georgia | 1 | $ 101,000 | $ 101,000 | $ 60,000 |
| Lake County Illinois | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| McLean County Illinois | 1 | $ 192,000 | $ 192,000 | $ 93,000 |
| Blackford County Indiana | 1 | $ 84,000 | $ 84,000 | $ 34,000 |
| Boone County Indiana | 1 | $ 400,000 | $ 400,000 | $ 114,000 |
| Hancock County Indiana | 1 | $ 80,000 | $ 80,000 | $ 109,000 |
| Hendricks County Indiana | 1 | $ 155,000 | $ 155,000 | $ 40,000 |
| Henry County Indiana | 1 | $ 132,000 | $ 132,000 | $ 89,000 |
| Lawrence County Indiana | 1 | $ 129,000 | $ 129,000 | $ 65,000 |
| Montgomery County Indiana | 1 | $ 124,000 | $ 124,000 | $ 69,000 |
| Newton County Indiana | 1 | $ 61,000 | $ 61,000 | $ 35,000 |
| Tippecanoe County Indiana | 1 | $ 122,000 | $ 122,000 | $ 38,000 |
| Wells County Indiana | 1 | $ 93,000 | $ 93,000 | $ 44,000 |
| Barry County Michigan | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Cheboygan County Michigan | 1 | $ 68,000 | $ 68,000 | $ 130,000 |
| Hillsdale County Michigan | 1 | $ 82,000 | $ 82,000 | $ 53,000 |
| Monroe County Michigan | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Wayne County Michigan | 1 | $ 178,000 | $ 178,000 | $ 63,000 |
| Clay County Missouri | 1 | $ 154,000 | $ 154,000 | $ 82,000 |
| Huron County Ohio | 1 | $ 224,000 | $ 224,000 | $ 106,000 |
| Lucas County Ohio | 1 | $ 124,000 | $ 124,000 | $ 49,000 |
| Davidson County Tennessee | 1 | $ 112,000 | $ 112,000 | $ 29,000 |
| Overton County Tennessee | 1 | $ 130,000 | $ 130,000 | $ 97,000 |
| Spotsylvania County Virginia | 1 | $ 190,000 | $ 190,000 | $ 22,000 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,743 | $153,034,000 | $117,875 | $1,500,000 | $101,125 | $1,830,000 |
| Home Purchase | 1,676 | $196,236,000 | $153,444 | $847,000 | $80,888 | $1,183,000 |
| Home Improvement | 38 | $4,063,000 | $106,000 | $275,000 | $65,000 | $287,000 |
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 | 3,333 | $341,153,000 | $138,200 | $1,500,000 | $88,500 | $1,830,000 |
| Hispanic | 66 | $5,217,000 | $204,000 | $333,000 | $93,000 | $141,000 |
| Black or African American | 27 | $2,256,000 | $91,500 | $160,000 | $59,000 | $123,000 |
| Asian | 13 | $1,745,000 | $116,000 | $334,000 | $74,000 | $715,000 |
| Native Hawaiian or Other Pacific Islander | 11 | $1,934,000 | $175,000 | $669,000 | $69,000 | $350,000 |
| Not applicable | 3 | $170,000 | $56,000 | $98,000 | $98,000 | $127,000 |
| American Indian or Alaskan Native | 3 | $608,000 | $202,000 | $353,000 | $140,000 | $318,000 |
| Not Provided | 1 | $250,000 | $250,000 | $250,000 | $34,000 | $34,000 |
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) | 3,457 | $353,333,000 | $137,200 | $1,500,000 | $87,400 | $1,830,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,080 | $317,895,000 | $141,000 | $1,500,000 | $78,300 | $1,830,000 |
| Application Denied By Financial Institution | 197 | $17,626,000 | $90,666 | $400,000 | $55,666 | $432,000 |
| File Closed For Incompleteness | 98 | $10,599,000 | $175,500 | $440,000 | $159,250 | $507,000 |
| Application Withdrawn By Applicant | 77 | $6,763,000 | $78,666 | $253,000 | $40,666 | $228,000 |
| Application Approved But Not Accepted | 5 | $450,000 | $90,000 | $182,000 | $40,000 | $88,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Credit History | 100 | $8,993,000 | $108,500 | $301,000 | $54,000 | $167,000 |
| Debt-To-Income Ratio | 33 | $3,150,000 | $95,000 | $400,000 | $46,000 | $245,000 |
| Collateral | 15 | $1,411,000 | $94,000 | $323,000 | $57,000 | $432,000 |
| Other | 15 | $1,288,000 | $104,500 | $166,000 | $48,000 | $104,000 |
| Credit Application Incomplete | 11 | $799,000 | $70,000 | $139,000 | $58,500 | $84,000 |
| Employment History | 8 | $552,000 | $69,000 | $140,000 | $38,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $597,000 | $85,000 | $127,000 | $48,000 | $76,000 |
| Mortgage Insurance Denied | 6 | $709,000 | $118,000 | $190,000 | $43,000 | $70,000 |
| Unverifiable Information | 2 | $127,000 | $63,000 | $87,000 | $20,000 | $24,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank's 2004 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 Federal Savings Bank'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.