First Merchants Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
First Merchants Bank 2019 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 Merchants Bank 200 E. Jackson St. Muncie, IN 47305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 9,083 |
| Total Mortgage Loan Application Amount | $1,302,995,000 |
| Average Mortgage Loan Application Amount | $151,400 |
| Highest Mortgage Loan Application Amount | $14,005,000 |
| Average Applicant Income | $107,000 |
| Highest Applicant Income | $7,650,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with First Merchants 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 Merchants Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down First Merchants 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 Merchants Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Merchants 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 Merchants Bank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allen County Indiana | 712 | $ 103,070,000 | $ 144,000 | $ 100,000 |
| Marion County Indiana | 647 | $ 103,585,000 | $ 160,000 | $ 106,000 |
| Tippecanoe County Indiana | 633 | $ 79,005,000 | $ 124,000 | $ 91,000 |
| Delaware County Indiana | 554 | $ 53,200,000 | $ 96,000 | $ 78,000 |
| Madison County Indiana | 553 | $ 50,055,000 | $ 90,000 | $ 86,000 |
| Franklin County Ohio | 536 | $ 141,090,000 | $ 263,000 | $ 165,000 |
| Hamilton County Indiana | 528 | $ 91,040,000 | $ 172,000 | $ 149,000 |
| Lake County Indiana | 491 | $ 56,085,000 | $ 114,000 | $ 91,000 |
| Henry County Indiana | 299 | $ 25,505,000 | $ 85,000 | $ 74,000 |
| Johnson County Indiana | 238 | $ 28,800,000 | $ 121,000 | $ 106,000 |
| Cook County Illinois | 234 | $ 42,690,000 | $ 182,000 | $ 110,000 |
| Monroe County Michigan | 222 | $ 29,980,000 | $ 135,000 | $ 87,000 |
| White County Indiana | 208 | $ 18,740,000 | $ 90,000 | $ 77,000 |
| Hendricks County Indiana | 199 | $ 22,835,000 | $ 114,000 | $ 96,000 |
| Randolph County Indiana | 187 | $ 11,785,000 | $ 63,000 | $ 70,000 |
| Wells County Indiana | 146 | $ 10,710,000 | $ 73,000 | $ 69,000 |
| Adams County Indiana | 145 | $ 14,745,000 | $ 101,000 | $ 76,000 |
| Hancock County Indiana | 134 | $ 13,600,000 | $ 101,000 | $ 94,000 |
| Morgan County Indiana | 132 | $ 15,810,000 | $ 119,000 | $ 86,000 |
| Jasper County Indiana | 129 | $ 12,295,000 | $ 95,000 | $ 70,000 |
| Shelby County Indiana | 125 | $ 10,445,000 | $ 83,000 | $ 81,000 |
| Wayne County Michigan | 125 | $ 21,895,000 | $ 175,000 | $ 99,000 |
| Jay County Indiana | 122 | $ 8,190,000 | $ 67,000 | $ 59,000 |
| Carroll County Indiana | 110 | $ 10,230,000 | $ 93,000 | $ 71,000 |
| Huntington County Indiana | 110 | $ 9,930,000 | $ 90,000 | $ 69,000 |
| Clinton County Indiana | 99 | $ 8,405,000 | $ 84,000 | $ 75,000 |
| Montgomery County Indiana | 78 | $ 6,900,000 | $ 88,000 | $ 76,000 |
| Porter County Indiana | 77 | $ 13,025,000 | $ 169,000 | $ 145,000 |
| Delaware County Ohio | 76 | $ 32,850,000 | $ 432,000 | $ 257,000 |
| Brown County Indiana | 72 | $ 7,230,000 | $ 100,000 | $ 88,000 |
| Wabash County Indiana | 61 | $ 4,815,000 | $ 78,000 | $ 70,000 |
| Will County Illinois | 48 | $ 7,350,000 | $ 153,000 | $ 125,000 |
| Boone County Indiana | 47 | $ 12,055,000 | $ 256,000 | $ 148,000 |
| DeKalb County Indiana | 46 | $ 8,940,000 | $ 194,000 | $ 100,000 |
| Miami County Indiana | 41 | $ 2,175,000 | $ 53,000 | $ 56,000 |
| Fayette County Indiana | 38 | $ 2,540,000 | $ 66,000 | $ 72,000 |
| DuPage County Illinois | 36 | $ 8,260,000 | $ 229,000 | $ 139,000 |
| Kosciusko County Indiana | 34 | $ 9,100,000 | $ 267,000 | $ 144,000 |
| Marshall County Indiana | 34 | $ 6,840,000 | $ 201,000 | $ 304,000 |
| Union County Indiana | 33 | $ 2,655,000 | $ 80,000 | $ 63,000 |
| Rush County Indiana | 31 | $ 2,125,000 | $ 68,000 | $ 70,000 |
| Wayne County Indiana | 27 | $ 2,955,000 | $ 109,000 | $ 111,000 |
| Blackford County Indiana | 26 | $ 2,080,000 | $ 80,000 | $ 77,000 |
| Steuben County Indiana | 24 | $ 4,350,000 | $ 181,000 | $ 150,000 |
| Lucas County Ohio | 22 | $ 1,810,000 | $ 82,000 | $ 81,000 |
| Newton County Indiana | 21 | $ 1,635,000 | $ 77,000 | $ 56,000 |
| Tipton County Indiana | 19 | $ 1,715,000 | $ 90,000 | $ 64,000 |
| Grant County Indiana | 18 | $ 1,280,000 | $ 71,000 | $ 66,000 |
| Benton County Indiana | 17 | $ 1,195,000 | $ 70,000 | $ 55,000 |
| Darke County Ohio | 17 | $ 1,215,000 | $ 71,000 | $ 63,000 |
| LaPorte County Indiana | 16 | $ 3,100,000 | $ 193,000 | $ 165,000 |
| Butler County Ohio | 16 | $ 2,220,000 | $ 138,000 | $ 135,000 |
| Licking County Ohio | 16 | $ 4,280,000 | $ 267,000 | $ 176,000 |
| Lenawee County Michigan | 14 | $ 1,790,000 | $ 127,000 | $ 92,000 |
| Union County Ohio | 14 | $ 6,600,000 | $ 471,000 | $ 221,000 |
| Lee County Florida | 13 | $ 4,085,000 | $ 314,000 | $ 474,000 |
| Whitley County Indiana | 13 | $ 2,575,000 | $ 198,000 | $ 83,000 |
| Fairfield County Ohio | 13 | $ 4,155,000 | $ 319,000 | $ 268,000 |
| Fountain County Indiana | 12 | $ 1,080,000 | $ 90,000 | $ 52,000 |
| Hamilton County Ohio | 12 | $ 2,020,000 | $ 168,000 | $ 166,000 |
| LaGrange County Indiana | 11 | $ 1,965,000 | $ 178,000 | $ 126,000 |
| Putnam County Indiana | 11 | $ 2,045,000 | $ 185,000 | $ 142,000 |
| Bartholomew County Indiana | 9 | $ 1,345,000 | $ 149,000 | $ 132,000 |
| Elkhart County Indiana | 9 | $ 2,825,000 | $ 313,000 | $ 133,000 |
| Washtenaw County Michigan | 9 | $ 2,955,000 | $ 328,000 | $ 129,000 |
| Collier County Florida | 8 | $ 6,680,000 | $ 835,000 | $ 638,000 |
| Cass County Indiana | 8 | $ 820,000 | $ 102,000 | $ 120,000 |
| Noble County Indiana | 8 | $ 1,500,000 | $ 187,000 | $ 123,000 |
| Howard County Indiana | 7 | $ 855,000 | $ 122,000 | $ 133,000 |
| Warren County Indiana | 7 | $ 915,000 | $ 130,000 | $ 69,000 |
| Kane County Illinois | 6 | $ 990,000 | $ 165,000 | $ 107,000 |
| St. Joseph County Indiana | 6 | $ 1,870,000 | $ 311,000 | $ 87,000 |
| Manatee County Florida | 5 | $ 635,000 | $ 127,000 | $ 129,000 |
| Monroe County Indiana | 5 | $ 1,775,000 | $ 355,000 | $ 40,000 |
| Mecklenburg County North Carolina | 5 | $ 3,035,000 | $ 607,000 | $ 546,000 |
| Sarasota County Florida | 4 | $ 4,780,000 | $ 1,195,000 | $ 646,000 |
| Parke County Indiana | 4 | $ 440,000 | $ 110,000 | $ 75,000 |
| Jackson County Michigan | 4 | $ 610,000 | $ 152,000 | $ 119,000 |
| Macomb County Michigan | 4 | $ 550,000 | $ 137,000 | $ 66,000 |
| Oakland County Michigan | 4 | $ 900,000 | $ 225,000 | $ 122,000 |
| Hocking County Ohio | 4 | $ 860,000 | $ 215,000 | $ 185,000 |
| Lorain County Ohio | 4 | $ 1,560,000 | $ 390,000 | $ 76,000 |
| Denver County Colorado | 3 | $ 1,265,000 | $ 421,000 | $ 275,000 |
| Owen County Indiana | 3 | $ 85,000 | $ 28,000 | $ 54,000 |
| Pulaski County Indiana | 3 | $ 335,000 | $ 111,000 | $ 84,000 |
| Starke County Indiana | 3 | $ 605,000 | $ 201,000 | $ 93,000 |
| Boone County Kentucky | 3 | $ 335,000 | $ 111,000 | $ 179,000 |
| Branch County Michigan | 3 | $ 785,000 | $ 261,000 | $ 143,000 |
| St. Louis City County Missouri | 3 | $ 545,000 | $ 181,000 | $ 425,000 |
| Defiance County Ohio | 3 | $ 135,000 | $ 45,000 | $ 68,000 |
| Greene County Ohio | 3 | $ 915,000 | $ 305,000 | $ 0 |
| Knox County Ohio | 3 | $ 1,015,000 | $ 338,000 | $ 410,000 |
| Madison County Ohio | 3 | $ 475,000 | $ 158,000 | $ 197,000 |
| Montgomery County Ohio | 3 | $ 2,705,000 | $ 901,000 | $ 134,000 |
| Ottawa County Ohio | 3 | $ 565,000 | $ 188,000 | $ 63,000 |
| Paulding County Ohio | 3 | $ 175,000 | $ 58,000 | $ 61,000 |
| Preble County Ohio | 3 | $ 75,000 | $ 25,000 | $ 61,000 |
| Wood County Ohio | 3 | $ 1,175,000 | $ 391,000 | $ 413,000 |
| Oneida County Wisconsin | 3 | $ 515,000 | $ 171,000 | $ 79,000 |
| Alachua County Florida | 2 | $ 430,000 | $ 215,000 | $ 683,000 |
| Brevard County Florida | 2 | $ 590,000 | $ 295,000 | $ 109,000 |
| Charlotte County Florida | 2 | $ 670,000 | $ 335,000 | $ 387,000 |
| Hillsborough County Florida | 2 | $ 330,000 | $ 165,000 | $ 57,000 |
| Lake County Florida | 2 | $ 550,000 | $ 275,000 | $ 154,000 |
| St. Lucie County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 596,000 |
| Volusia County Florida | 2 | $ 300,000 | $ 150,000 | $ 176,000 |
| Champaign County Illinois | 2 | $ 590,000 | $ 295,000 | $ 125,000 |
| Decatur County Indiana | 2 | $ 310,000 | $ 155,000 | $ 124,000 |
| Franklin County Indiana | 2 | $ 170,000 | $ 85,000 | $ 36,000 |
| Jennings County Indiana | 2 | $ 240,000 | $ 120,000 | $ 30,000 |
| Vigo County Indiana | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Berrien County Michigan | 2 | $ 130,000 | $ 65,000 | $ 191,000 |
| Clinton County Michigan | 2 | $ 350,000 | $ 175,000 | $ 109,000 |
| Grand Traverse County Michigan | 2 | $ 520,000 | $ 260,000 | $ 370,000 |
| Otsego County Michigan | 2 | $ 320,000 | $ 160,000 | $ 140,000 |
| Ottawa County Michigan | 2 | $ 390,000 | $ 195,000 | $ 111,000 |
| Roscommon County Michigan | 2 | $ 310,000 | $ 155,000 | $ 169,000 |
| St. Louis County Missouri | 2 | $ 900,000 | $ 450,000 | $ 146,000 |
| Erie County New York | 2 | $ 460,000 | $ 230,000 | $ 59,000 |
| Alamance County North Carolina | 2 | $ 1,110,000 | $ 555,000 | $ 525,000 |
| Iredell County North Carolina | 2 | $ 7,290,000 | $ 3,645,000 | $ 7,650,000 |
| New Hanover County North Carolina | 2 | $ 590,000 | $ 295,000 | $ 143,000 |
| Wake County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 61,000 |
| Clermont County Ohio | 2 | $ 470,000 | $ 235,000 | $ 74,000 |
| Erie County Ohio | 2 | $ 630,000 | $ 315,000 | $ 221,000 |
| Miami County Ohio | 2 | $ 550,000 | $ 275,000 | $ 334,000 |
| Muskingum County Ohio | 2 | $ 130,000 | $ 65,000 | $ 163,000 |
| Perry County Ohio | 2 | $ 360,000 | $ 180,000 | $ 280,000 |
| Richland County Ohio | 2 | $ 390,000 | $ 195,000 | $ 163,000 |
| Summit County Ohio | 2 | $ 250,000 | $ 125,000 | $ 85,000 |
| Warren County Ohio | 2 | $ 290,000 | $ 145,000 | $ 137,000 |
| Davidson County Tennessee | 2 | $ 670,000 | $ 335,000 | $ 229,000 |
| Sevier County Tennessee | 2 | $ 240,000 | $ 120,000 | $ 40,000 |
| Alexandria County Virginia | 2 | $ 790,000 | $ 395,000 | $ 226,000 |
| Ketchikan Gateway County Alaska | 1 | $ 465,000 | $ 465,000 | $ 89,000 |
| Cochise County Arizona | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Maricopa County Arizona | 1 | $ 275,000 | $ 275,000 | $ 65,000 |
| Douglas County Colorado | 1 | $ 345,000 | $ 345,000 | $ 108,000 |
| Eagle County Colorado | 1 | $ 1,095,000 | $ 1,095,000 | $ 442,000 |
| Jefferson County Colorado | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Mesa County Colorado | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Summit County Colorado | 1 | $ 1,045,000 | $ 1,045,000 | $ 724,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,505,000 | $ 1,505,000 | $ 604,000 |
| Bay County Florida | 1 | $ 255,000 | $ 255,000 | $ 271,000 |
| Citrus County Florida | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Clay County Florida | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Flagler County Florida | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Marion County Florida | 1 | $ 285,000 | $ 285,000 | $ 217,000 |
| Orange County Florida | 1 | $ 315,000 | $ 315,000 | $ 103,000 |
| Palm Beach County Florida | 1 | $ 965,000 | $ 965,000 | $ 1,753,000 |
| Polk County Florida | 1 | $ 45,000 | $ 45,000 | $ 86,000 |
| Seminole County Florida | 1 | $ 135,000 | $ 135,000 | $ 139,000 |
| Sumter County Florida | 1 | $ 305,000 | $ 305,000 | $ 39,000 |
| Clarke County Georgia | 1 | $ 405,000 | $ 405,000 | $ 301,000 |
| Clark County Illinois | 1 | $ 425,000 | $ 425,000 | $ 183,000 |
| Clay County Illinois | 1 | $ 65,000 | $ 65,000 | $ 246,000 |
| Kendall County Illinois | 1 | $ 295,000 | $ 295,000 | $ 127,000 |
| Macon County Illinois | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| McHenry County Illinois | 1 | $ 35,000 | $ 35,000 | $ 174,000 |
| McLean County Illinois | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Clay County Indiana | 1 | $ 195,000 | $ 195,000 | $ 5,000 |
| Floyd County Indiana | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Greene County Indiana | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| Jefferson County Indiana | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Scott County Indiana | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Sullivan County Indiana | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Vanderburgh County Indiana | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
| Lyon County Kansas | 1 | $ 135,000 | $ 135,000 | $ 117,000 |
| Clinton County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 102,000 |
| Fayette County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 194,000 |
| Graves County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Kenton County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Russell County Kentucky | 1 | $ 315,000 | $ 315,000 | $ 1,550,000 |
| Scott County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 174,000 |
| Warren County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Baltimore County Maryland | 1 | $ 465,000 | $ 465,000 | $ 249,000 |
| Allegan County Michigan | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Benzie County Michigan | 1 | $ 115,000 | $ 115,000 | $ 300,000 |
| Cass County Michigan | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Cheboygan County Michigan | 1 | $ 175,000 | $ 175,000 | $ 107,000 |
| Crawford County Michigan | 1 | $ 15,000 | $ 15,000 | $ 177,000 |
| Emmet County Michigan | 1 | $ 995,000 | $ 995,000 | $ 1,477,000 |
| Genesee County Michigan | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| Gladwin County Michigan | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Hillsdale County Michigan | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Ingham County Michigan | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Kent County Michigan | 1 | $ 605,000 | $ 605,000 | $ 261,000 |
| Leelanau County Michigan | 1 | $ 345,000 | $ 345,000 | $ 159,000 |
| Livingston County Michigan | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Luce County Michigan | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Ogemaw County Michigan | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Van Buren County Michigan | 1 | $ 285,000 | $ 285,000 | $ 211,000 |
| Crow Wing County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Hennepin County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 145,000 |
| Adams County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Gallatin County Montana | 1 | $ 765,000 | $ 765,000 | $ 595,000 |
| Madison County Montana | 1 | $ 365,000 | $ 365,000 | $ 260,000 |
| Sarpy County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Rockingham County New Hampshire | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Middlesex County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 336,000 |
| Tompkins County New York | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Allen County Ohio | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Champaign County Ohio | 1 | $ 205,000 | $ 205,000 | $ 78,000 |
| Clark County Ohio | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Columbiana County Ohio | 1 | $ 1,005,000 | $ 1,005,000 | $ 355,000 |
| Crawford County Ohio | 1 | $ 195,000 | $ 195,000 | $ 119,000 |
| Cuyahoga County Ohio | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Fayette County Ohio | 1 | $ 155,000 | $ 155,000 | $ 95,000 |
| Guernsey County Ohio | 1 | $ 195,000 | $ 195,000 | $ 147,000 |
| Logan County Ohio | 1 | $ 255,000 | $ 255,000 | $ 268,000 |
| Mahoning County Ohio | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Medina County Ohio | 1 | $ 105,000 | $ 105,000 | $ 88,000 |
| Mercer County Ohio | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Ross County Ohio | 1 | $ 195,000 | $ 195,000 | $ 86,000 |
| Shelby County Ohio | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Vinton County Ohio | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Williams County Ohio | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Adams County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 46,000 |
| Anderson County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 104,000 |
| Beaufort County South Carolina | 1 | $ 805,000 | $ 805,000 | $ 273,000 |
| Campbell County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 393,000 |
| Knox County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 1,001,000 |
| Sumner County Tennessee | 1 | $ 405,000 | $ 405,000 | $ 140,000 |
| Comal County Texas | 1 | $ 175,000 | $ 175,000 | $ 250,000 |
| Fort Bend County Texas | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Guadalupe County Texas | 1 | $ 205,000 | $ 205,000 | $ 259,000 |
| Sutton County Texas | 1 | $ 245,000 | $ 245,000 | $ 516,000 |
| Tarrant County Texas | 1 | $ 115,000 | $ 115,000 | $ 345,000 |
| Travis County Texas | 1 | $ 295,000 | $ 295,000 | $ 116,000 |
| Salt Lake County Utah | 1 | $ 315,000 | $ 315,000 | $ 496,000 |
| Summit County Utah | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Wasatch County Utah | 1 | $ 445,000 | $ 445,000 | $ 600,000 |
| Bedford County Virginia | 1 | $ 325,000 | $ 325,000 | $ 156,000 |
| Fairfax County Virginia | 1 | $ 225,000 | $ 225,000 | $ 229,000 |
| Grayson County Virginia | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Richmond City County Virginia | 1 | $ 335,000 | $ 335,000 | $ 135,000 |
| Clark County Washington | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Adams County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Sauk County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 156,000 |
| Walworth County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 263,000 |
| Waukesha County Wisconsin | 1 | $ 615,000 | $ 615,000 | $ 905,000 |
Mortgage Loan Application Detail Totals for First Merchants Bank in 2019
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 3,819 | $316,125,000 | $82,000 | $1,555,000 | $99,000 | $2,588,000 |
| Home Purchase | 2,468 | $496,530,000 | $201,000 | $3,925,000 | $108,000 | $7,650,000 |
| Refinancing | 1,388 | $283,890,000 | $204,000 | $14,005,000 | $107,000 | $2,127,000 |
| Cash-out Refinancing | 819 | $166,685,000 | $203,000 | $5,005,000 | $141,000 | $5,343,000 |
| Home Improvement | 589 | $39,765,000 | $67,000 | $605,000 | $80,000 | $405,000 |
| 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 | 6,747 | $890,185,000 | $131,000 | $3,925,000 | $106,000 | $7,650,000 |
| Not Provided | 1,259 | $174,735,000 | $138,000 | $10,335,000 | $126,000 | $2,588,000 |
| Black or African American | 312 | $32,800,000 | $105,000 | $505,000 | $64,000 | $1,040,000 |
| Not applicable | 284 | $142,520,000 | $501,000 | $14,005,000 | $61,000 | $61,000 |
| Asian | 274 | $38,260,000 | $139,000 | $705,000 | $52,000 | $403,000 |
| Hispanic | 140 | $15,470,000 | $110,000 | $1,235,000 | $80,000 | $703,000 |
| American Indian or Alaskan Native | 17 | $3,275,000 | $192,000 | $1,105,000 | $314,000 | $1,127,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $750,000 | $187,000 | $315,000 | $63,000 | $124,000 |
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) | 8,679 | $1,246,925,000 | $143,000 | $14,005,000 | $108,000 | $7,650,000 |
| FHA-insured (Federal Housing Administration) | 246 | $33,770,000 | $137,000 | $405,000 | $58,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 87 | $8,515,000 | $97,000 | $255,000 | $45,000 | $408,000 |
| VA-guaranteed (Veterans Administration) | 71 | $13,785,000 | $194,000 | $465,000 | $69,000 | $227,000 |
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 | 5,627 | $874,915,000 | $155,000 | $14,005,000 | $114,000 | $5,343,000 |
| Application Denied By Financial Institution | 1,852 | $191,820,000 | $103,000 | $2,005,000 | $73,000 | $1,414,000 |
| Application Withdrawn By Applicant | 1,106 | $193,030,000 | $174,000 | $10,335,000 | $120,000 | $7,650,000 |
| File Closed For Incompleteness | 444 | $38,610,000 | $86,000 | $1,555,000 | $103,000 | $2,588,000 |
| Application Approved But Not Accepted | 54 | $4,620,000 | $85,000 | $405,000 | $88,000 | $276,000 |
| 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 | 7,231 | $1,111,175,000 | $153,000 | $14,005,000 | $114,000 | $7,650,000 |
| Debt-To-Income Ratio | 768 | $78,150,000 | $101,000 | $1,045,000 | $59,000 | $700,000 |
| Credit History | 658 | $55,670,000 | $84,000 | $2,005,000 | $72,000 | $1,414,000 |
| Collateral | 257 | $28,175,000 | $109,000 | $1,405,000 | $97,000 | $745,000 |
| Unverifiable Information | 68 | $12,850,000 | $188,000 | $705,000 | $132,000 | $1,260,000 |
| Other | 41 | $6,015,000 | $146,000 | $485,000 | $106,000 | $484,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $7,685,000 | $265,000 | $1,425,000 | $106,000 | $466,000 |
| Employment History | 27 | $2,685,000 | $99,000 | $245,000 | $38,000 | $84,000 |
| Credit Application Incomplete | 4 | $590,000 | $147,000 | $235,000 | $128,000 | $143,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Merchants Bank's 2019 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 Merchants 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.
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with aggregated HMDA statistics today.