First Federal Savings Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
First Federal Savings Bank 2021 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 P.O. Box 527 Rochester, IN 46975 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,832 |
| Total Mortgage Loan Application Amount | $577,090,000 |
| Average Mortgage Loan Application Amount | $184,250 |
| Highest Mortgage Loan Application Amount | $3,045,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $3,805,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Joseph County Indiana | 617 | $ 125,025,000 | $ 202,000 | $ 110,000 |
| Marshall County Indiana | 516 | $ 78,700,000 | $ 152,000 | $ 82,000 |
| Elkhart County Indiana | 425 | $ 85,715,000 | $ 201,000 | $ 100,000 |
| Kosciusko County Indiana | 411 | $ 89,825,000 | $ 218,000 | $ 100,000 |
| Fulton County Indiana | 239 | $ 37,145,000 | $ 155,000 | $ 82,000 |
| Starke County Indiana | 83 | $ 11,115,000 | $ 133,000 | $ 76,000 |
| Cass County Michigan | 68 | $ 19,550,000 | $ 287,000 | $ 138,000 |
| Pulaski County Indiana | 61 | $ 8,045,000 | $ 131,000 | $ 80,000 |
| Marion County Indiana | 47 | $ 14,615,000 | $ 310,000 | $ 115,000 |
| Hendricks County Indiana | 44 | $ 16,460,000 | $ 374,000 | $ 132,000 |
| Johnson County Indiana | 43 | $ 18,735,000 | $ 435,000 | $ 162,000 |
| Berrien County Michigan | 29 | $ 7,085,000 | $ 244,000 | $ 104,000 |
| Allen County Indiana | 24 | $ 5,090,000 | $ 212,000 | $ 100,000 |
| LaPorte County Indiana | 21 | $ 4,945,000 | $ 235,000 | $ 109,000 |
| Hamilton County Indiana | 19 | $ 7,585,000 | $ 399,000 | $ 148,000 |
| Noble County Indiana | 16 | $ 2,760,000 | $ 172,000 | $ 103,000 |
| Cass County Indiana | 15 | $ 3,245,000 | $ 216,000 | $ 78,000 |
| Miami County Indiana | 12 | $ 2,150,000 | $ 179,000 | $ 91,000 |
| LaGrange County Indiana | 11 | $ 2,665,000 | $ 242,000 | $ 81,000 |
| Wabash County Indiana | 11 | $ 1,355,000 | $ 123,000 | $ 65,000 |
| Steuben County Indiana | 9 | $ 2,585,000 | $ 287,000 | $ 103,000 |
| Whitley County Indiana | 9 | $ 1,985,000 | $ 220,000 | $ 93,000 |
| St. Joseph County Michigan | 8 | $ 1,680,000 | $ 210,000 | $ 98,000 |
| Hancock County Indiana | 7 | $ 2,425,000 | $ 346,000 | $ 121,000 |
| Tippecanoe County Indiana | 6 | $ 1,350,000 | $ 225,000 | $ 90,000 |
| White County Indiana | 6 | $ 1,030,000 | $ 171,000 | $ 54,000 |
| Morgan County Indiana | 5 | $ 2,525,000 | $ 505,000 | $ 160,000 |
| Boone County Indiana | 4 | $ 2,850,000 | $ 712,000 | $ 253,000 |
| Jasper County Indiana | 4 | $ 820,000 | $ 205,000 | $ 75,000 |
| Porter County Indiana | 4 | $ 680,000 | $ 170,000 | $ 71,000 |
| Charlotte County Florida | 3 | $ 1,295,000 | $ 431,000 | $ 206,000 |
| Cook County Illinois | 3 | $ 615,000 | $ 205,000 | $ 165,000 |
| Delaware County Indiana | 3 | $ 775,000 | $ 258,000 | $ 105,000 |
| Howard County Indiana | 3 | $ 675,000 | $ 225,000 | $ 94,000 |
| Lake County Indiana | 3 | $ 705,000 | $ 235,000 | $ 107,000 |
| Shelby County Indiana | 3 | $ 1,415,000 | $ 471,000 | $ 127,000 |
| Collier County Florida | 2 | $ 520,000 | $ 260,000 | $ 118,000 |
| Grant County Indiana | 2 | $ 530,000 | $ 265,000 | $ 125,000 |
| Monroe County Indiana | 2 | $ 1,940,000 | $ 970,000 | $ 520,000 |
| Branch County Michigan | 2 | $ 280,000 | $ 140,000 | $ 34,000 |
| Pima County Arizona | 1 | $ 405,000 | $ 405,000 | $ 279,000 |
| Hernando County Florida | 1 | $ 215,000 | $ 215,000 | $ 124,000 |
| Lee County Florida | 1 | $ 275,000 | $ 275,000 | $ 75,000 |
| Osceola County Florida | 1 | $ 135,000 | $ 135,000 | $ 91,000 |
| Pinellas County Florida | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,377,000 |
| St. Johns County Florida | 1 | $ 655,000 | $ 655,000 | $ 282,000 |
| Volusia County Florida | 1 | $ 295,000 | $ 295,000 | $ 147,000 |
| Adams County Indiana | 1 | $ 135,000 | $ 135,000 | $ 64,000 |
| Brown County Indiana | 1 | $ 165,000 | $ 165,000 | $ 176,000 |
| Carroll County Indiana | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Clinton County Indiana | 1 | $ 165,000 | $ 165,000 | $ 37,000 |
| DeKalb County Indiana | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Huntington County Indiana | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Madison County Indiana | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Parke County Indiana | 1 | $ 225,000 | $ 225,000 | $ 82,000 |
| Putnam County Indiana | 1 | $ 375,000 | $ 375,000 | $ 191,000 |
| Vigo County Indiana | 1 | $ 215,000 | $ 215,000 | $ 139,000 |
| Wells County Indiana | 1 | $ 255,000 | $ 255,000 | $ 76,000 |
| Daviess County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
| Allegan County Michigan | 1 | $ 345,000 | $ 345,000 | $ 257,000 |
| Bay County Michigan | 1 | $ 405,000 | $ 405,000 | $ 103,000 |
| Charlevoix County Michigan | 1 | $ 245,000 | $ 245,000 | $ 108,000 |
| Hillsdale County Michigan | 1 | $ 125,000 | $ 125,000 | $ 27,000 |
| Ingham County Michigan | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Montcalm County Michigan | 1 | $ 155,000 | $ 155,000 | $ 184,000 |
| Van Buren County Michigan | 1 | $ 355,000 | $ 355,000 | $ 182,000 |
| Washtenaw County Michigan | 1 | $ 385,000 | $ 385,000 | $ 300,000 |
| Chisago County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 162,000 |
| Cook County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Mercer County Ohio | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Chester County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Warren County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
Mortgage Loan Application Detail Totals for First Federal Savings Bank 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 | 1,144 | $281,290,000 | $245,000 | $1,845,000 | $109,000 | $2,603,000 |
| Refinancing | 833 | $144,455,000 | $173,000 | $2,325,000 | $93,000 | $1,200,000 |
| Cash-out Refinancing | 796 | $143,030,000 | $179,000 | $3,045,000 | $95,000 | $3,805,000 |
| Other Purpose | 59 | $8,315,000 | $140,000 | $1,505,000 | $115,000 | $1,377,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,550 | $513,840,000 | $201,000 | $3,045,000 | $101,000 | $3,805,000 |
| Hispanic | 136 | $20,130,000 | $148,000 | $385,000 | $70,000 | $524,000 |
| Asian | 47 | $14,425,000 | $306,000 | $1,005,000 | $139,000 | $480,000 |
| Not Provided | 34 | $8,250,000 | $242,000 | $815,000 | $121,000 | $450,000 |
| Black or African American | 33 | $5,605,000 | $169,000 | $525,000 | $83,000 | $230,000 |
| Not applicable | 21 | $11,735,000 | $558,000 | $2,485,000 | $0 | $0 |
| American Indian or Alaskan Native | 7 | $1,605,000 | $229,000 | $505,000 | $69,000 | $120,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,150,000 | $575,000 | $1,095,000 | $187,000 | $305,000 |
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) | 2,830 | $576,820,000 | $203,000 | $3,045,000 | $100,000 | $3,805,000 |
| FHA-insured (Federal Housing Administration) | 1 | $185,000 | $185,000 | $185,000 | $71,000 | $71,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $85,000 | $85,000 | $85,000 | $43,000 | $43,000 |
| 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 | 2,457 | $505,745,000 | $205,000 | $3,045,000 | $101,000 | $3,805,000 |
| Application Withdrawn By Applicant | 178 | $32,740,000 | $183,000 | $995,000 | $102,000 | $680,000 |
| Application Denied By Financial Institution | 122 | $22,720,000 | $186,000 | $775,000 | $71,000 | $273,000 |
| Application Approved But Not Accepted | 38 | $6,550,000 | $172,000 | $525,000 | $77,000 | $234,000 |
| File Closed For Incompleteness | 37 | $9,335,000 | $252,000 | $1,005,000 | $169,000 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,710 | $554,370,000 | $204,000 | $3,045,000 | $102,000 | $3,805,000 |
| Collateral | 49 | $8,485,000 | $173,000 | $685,000 | $81,000 | $273,000 |
| Debt-To-Income Ratio | 33 | $7,055,000 | $213,000 | $775,000 | $60,000 | $200,000 |
| Credit History | 27 | $5,215,000 | $193,000 | $585,000 | $74,000 | $210,000 |
| Employment History | 8 | $1,420,000 | $177,000 | $275,000 | $53,000 | $123,000 |
| Other | 3 | $245,000 | $81,000 | $125,000 | $55,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $205,000 | $37,000 | $41,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Federal Savings Bank'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 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.