First Merchants Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
First Merchants Bank, Na 2009 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, Na 200 E. Jackson St. Muncie, IN 47305 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,528 |
| Total Mortgage Loan Application Amount | $424,736,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $5,197,000 |
| Average Applicant Income | $70,333 |
| Highest Applicant Income | $3,705,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with First Merchants Bank, Na. 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, Na's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down First Merchants Bank, Na'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, Na serves its applicants.
Each category highlights the total number of mortgage applications processed by First Merchants Bank, Na, 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, Na's mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tippecanoe County Indiana | 429 | $ 49,553,000 | $ 115,000 | $ 79,000 |
| Delaware County Indiana | 324 | $ 35,840,000 | $ 110,000 | $ 74,000 |
| Madison County Indiana | 323 | $ 38,150,000 | $ 118,000 | $ 74,000 |
| Hendricks County Indiana | 182 | $ 29,730,000 | $ 163,000 | $ 91,000 |
| Adams County Indiana | 170 | $ 16,284,000 | $ 95,000 | $ 71,000 |
| Johnson County Indiana | 163 | $ 27,840,000 | $ 170,000 | $ 87,000 |
| Marion County Indiana | 160 | $ 20,583,000 | $ 128,000 | $ 86,000 |
| White County Indiana | 132 | $ 14,925,000 | $ 113,000 | $ 74,000 |
| Hamilton County Indiana | 130 | $ 23,874,000 | $ 183,000 | $ 102,000 |
| Jay County Indiana | 101 | $ 8,440,000 | $ 83,000 | $ 53,000 |
| Henry County Indiana | 83 | $ 6,235,000 | $ 75,000 | $ 74,000 |
| Randolph County Indiana | 79 | $ 5,782,000 | $ 73,000 | $ 60,000 |
| Wabash County Indiana | 78 | $ 3,952,000 | $ 50,000 | $ 50,000 |
| Clinton County Indiana | 70 | $ 5,715,000 | $ 81,000 | $ 55,000 |
| Wayne County Indiana | 67 | $ 6,962,000 | $ 103,000 | $ 60,000 |
| Carroll County Indiana | 61 | $ 5,569,000 | $ 91,000 | $ 68,000 |
| Jasper County Indiana | 59 | $ 5,281,000 | $ 89,000 | $ 54,000 |
| Montgomery County Indiana | 54 | $ 5,607,000 | $ 103,000 | $ 71,000 |
| Morgan County Indiana | 51 | $ 7,096,000 | $ 139,000 | $ 69,000 |
| Brown County Indiana | 43 | $ 6,085,000 | $ 141,000 | $ 63,000 |
| Fayette County Indiana | 40 | $ 4,020,000 | $ 100,000 | $ 78,000 |
| Miami County Indiana | 39 | $ 1,783,000 | $ 45,000 | $ 51,000 |
| Union County Indiana | 35 | $ 2,983,000 | $ 85,000 | $ 62,000 |
| Franklin County Ohio | 34 | $ 8,920,000 | $ 262,000 | $ 110,000 |
| Howard County Indiana | 32 | $ 2,562,000 | $ 80,000 | $ 63,000 |
| Kosciusko County Indiana | 21 | $ 2,600,000 | $ 123,000 | $ 148,000 |
| Butler County Ohio | 18 | $ 3,304,000 | $ 183,000 | $ 89,000 |
| Allen County Indiana | 16 | $ 2,279,000 | $ 142,000 | $ 71,000 |
| Hancock County Indiana | 16 | $ 1,829,000 | $ 114,000 | $ 77,000 |
| Blackford County Indiana | 13 | $ 935,000 | $ 71,000 | $ 69,000 |
| Boone County Indiana | 12 | $ 2,940,000 | $ 245,000 | $ 127,000 |
| Monroe County Indiana | 12 | $ 1,579,000 | $ 131,000 | $ 85,000 |
| Putnam County Indiana | 12 | $ 1,478,000 | $ 123,000 | $ 52,000 |
| Bartholomew County Indiana | 11 | $ 1,091,000 | $ 99,000 | $ 89,000 |
| Mercer County Ohio | 11 | $ 2,290,000 | $ 208,000 | $ 91,000 |
| Newton County Indiana | 10 | $ 635,000 | $ 63,000 | $ 61,000 |
| Wells County Indiana | 10 | $ 577,000 | $ 57,000 | $ 60,000 |
| Lee County Florida | 9 | $ 1,494,000 | $ 166,000 | $ 110,000 |
| Grant County Indiana | 9 | $ 647,000 | $ 71,000 | $ 53,000 |
| Delaware County Ohio | 9 | $ 2,643,000 | $ 293,000 | $ 284,000 |
| Cass County Indiana | 8 | $ 639,000 | $ 79,000 | $ 53,000 |
| Fountain County Indiana | 8 | $ 1,091,000 | $ 136,000 | $ 87,000 |
| Darke County Ohio | 8 | $ 1,067,000 | $ 133,000 | $ 72,000 |
| Preble County Ohio | 8 | $ 1,036,000 | $ 129,000 | $ 73,000 |
| Pulaski County Indiana | 7 | $ 600,000 | $ 85,000 | $ 60,000 |
| Manatee County Florida | 6 | $ 841,000 | $ 140,000 | $ 58,000 |
| Benton County Indiana | 6 | $ 419,000 | $ 69,000 | $ 52,000 |
| Hamilton County Ohio | 6 | $ 2,170,000 | $ 361,000 | $ 106,000 |
| Sarasota County Florida | 5 | $ 1,155,000 | $ 231,000 | $ 528,000 |
| Porter County Indiana | 5 | $ 763,000 | $ 152,000 | $ 57,000 |
| Franklin County Indiana | 4 | $ 309,000 | $ 77,000 | $ 55,000 |
| Huntington County Indiana | 4 | $ 1,607,000 | $ 401,000 | $ 131,000 |
| Parke County Indiana | 4 | $ 533,000 | $ 133,000 | $ 105,000 |
| Tipton County Indiana | 4 | $ 484,000 | $ 121,000 | $ 51,000 |
| Licking County Ohio | 4 | $ 799,000 | $ 199,000 | $ 255,000 |
| Shelby County Indiana | 3 | $ 431,000 | $ 143,000 | $ 51,000 |
| Warren County Indiana | 3 | $ 332,000 | $ 110,000 | $ 83,000 |
| Wilson County Tennessee | 3 | $ 186,000 | $ 62,000 | $ 0 |
| Los Angeles County California | 2 | $ 727,000 | $ 363,000 | $ 184,000 |
| Miami-Dade County Florida | 2 | $ 250,000 | $ 125,000 | $ 63,000 |
| Fulton County Indiana | 2 | $ 303,000 | $ 151,000 | $ 66,000 |
| LaGrange County Indiana | 2 | $ 378,000 | $ 189,000 | $ 289,000 |
| Lake County Indiana | 2 | $ 108,000 | $ 54,000 | $ 79,000 |
| Owen County Indiana | 2 | $ 287,000 | $ 143,000 | $ 38,000 |
| Rush County Indiana | 2 | $ 217,000 | $ 108,000 | $ 45,000 |
| Starke County Indiana | 2 | $ 202,000 | $ 101,000 | $ 66,000 |
| Steuben County Indiana | 2 | $ 430,000 | $ 215,000 | $ 155,000 |
| Van Wert County Ohio | 2 | $ 177,000 | $ 88,000 | $ 36,000 |
| Warren County Ohio | 2 | $ 969,000 | $ 484,000 | $ 321,000 |
| Aiken County South Carolina | 2 | $ 326,000 | $ 163,000 | $ 127,000 |
| Bexar County Texas | 2 | $ 213,000 | $ 106,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 549,000 | $ 274,000 | $ 189,000 |
| Goochland County Virginia | 2 | $ 1,059,000 | $ 529,000 | $ 311,000 |
| Baldwin County Alabama | 1 | $ 159,000 | $ 159,000 | $ 54,000 |
| Maricopa County Arizona | 1 | $ 417,000 | $ 417,000 | $ 732,000 |
| Pima County Arizona | 1 | $ 287,000 | $ 287,000 | $ 132,000 |
| Yavapai County Arizona | 1 | $ 111,000 | $ 111,000 | $ 249,000 |
| Arapahoe County Colorado | 1 | $ 1,970,000 | $ 1,970,000 | $ 621,000 |
| Denver County Colorado | 1 | $ 417,000 | $ 417,000 | $ 561,000 |
| Collier County Florida | 1 | $ 112,000 | $ 112,000 | $ 469,000 |
| Leon County Florida | 1 | $ 1,600,000 | $ 1,600,000 | $ 0 |
| Marion County Florida | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Palm Beach County Florida | 1 | $ 110,000 | $ 110,000 | $ 142,000 |
| Pinellas County Florida | 1 | $ 380,000 | $ 380,000 | $ 607,000 |
| Volusia County Florida | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Cook County Illinois | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Decatur County Indiana | 1 | $ 11,000 | $ 11,000 | $ 65,000 |
| Jefferson County Indiana | 1 | $ 28,000 | $ 28,000 | $ 24,000 |
| LaPorte County Indiana | 1 | $ 340,000 | $ 340,000 | $ 175,000 |
| Lawrence County Indiana | 1 | $ 97,000 | $ 97,000 | $ 39,000 |
| Marshall County Indiana | 1 | $ 417,000 | $ 417,000 | $ 449,000 |
| Noble County Indiana | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| St. Joseph County Indiana | 1 | $ 140,000 | $ 140,000 | $ 81,000 |
| Sullivan County Indiana | 1 | $ 51,000 | $ 51,000 | $ 44,000 |
| Washington County Indiana | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Whitley County Indiana | 1 | $ 73,000 | $ 73,000 | $ 52,000 |
| Johnson County Iowa | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Campbell County Kentucky | 1 | $ 833,000 | $ 833,000 | $ 0 |
| Kenton County Kentucky | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Meade County Kentucky | 1 | $ 79,000 | $ 79,000 | $ 76,000 |
| Oldham County Kentucky | 1 | $ 360,000 | $ 360,000 | $ 96,000 |
| Pulaski County Kentucky | 1 | $ 210,000 | $ 210,000 | $ 78,000 |
| Allegan County Michigan | 1 | $ 181,000 | $ 181,000 | $ 95,000 |
| Branch County Michigan | 1 | $ 210,000 | $ 210,000 | $ 182,000 |
| Oakland County Michigan | 1 | $ 89,000 | $ 89,000 | $ 47,000 |
| Cook County Minnesota | 1 | $ 334,000 | $ 334,000 | $ 150,000 |
| St. Louis County Missouri | 1 | $ 405,000 | $ 405,000 | $ 532,000 |
| Santa Fe County New Mexico | 1 | $ 350,000 | $ 350,000 | $ 156,000 |
| Forsyth County North Carolina | 1 | $ 87,000 | $ 87,000 | $ 24,000 |
| Auglaize County Ohio | 1 | $ 59,000 | $ 59,000 | $ 52,000 |
| Cuyahoga County Ohio | 1 | $ 264,000 | $ 264,000 | $ 56,000 |
| Fairfield County Ohio | 1 | $ 300,000 | $ 300,000 | $ 256,000 |
| Madison County Ohio | 1 | $ 105,000 | $ 105,000 | $ 186,000 |
| Montgomery County Ohio | 1 | $ 65,000 | $ 65,000 | $ 202,000 |
| Morrow County Ohio | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 357,000 | $ 357,000 | $ 1,199,000 |
| Richland County Ohio | 1 | $ 285,000 | $ 285,000 | $ 613,000 |
| Scioto County Ohio | 1 | $ 36,000 | $ 36,000 | $ 150,000 |
| Oklahoma County Oklahoma | 1 | $ 214,000 | $ 214,000 | $ 320,000 |
| Deschutes County Oregon | 1 | $ 363,000 | $ 363,000 | $ 515,000 |
| Oconee County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 208,000 |
| Blount County Tennessee | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Loudon County Tennessee | 1 | $ 900,000 | $ 900,000 | $ 193,000 |
| Travis County Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Middlesex County Virginia | 1 | $ 356,000 | $ 356,000 | $ 307,000 |
Mortgage Loan Application Detail Totals for First Merchants Bank, Na in 2009
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 | 2,184 | $301,717,000 | $138,000 | $5,197,000 | $81,000 | $1,860,000 |
| Home Purchase | 979 | $113,611,000 | $116,000 | $1,560,000 | $76,000 | $3,705,000 |
| Home Improvement | 365 | $9,408,000 | $25,000 | $500,000 | $54,000 | $388,000 |
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 | 3,203 | $364,645,000 | $113,000 | $1,945,000 | $78,000 | $3,705,000 |
| Not Provided | 150 | $24,088,000 | $160,000 | $1,970,000 | $97,000 | $807,000 |
| Not applicable | 97 | $28,786,000 | $296,000 | $5,197,000 | $4,000 | $206,000 |
| Black or African American | 27 | $1,861,000 | $68,000 | $205,000 | $47,000 | $95,000 |
| Hispanic | 26 | $2,862,000 | $110,000 | $356,000 | $78,000 | $307,000 |
| Asian | 18 | $2,094,000 | $116,000 | $384,000 | $110,000 | $364,000 |
| American Indian or Alaskan Native | 6 | $258,000 | $43,000 | $124,000 | $38,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $142,000 | $142,000 | $142,000 | $60,000 | $60,000 |
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) | 3,100 | $379,327,000 | $122,000 | $5,197,000 | $81,000 | $3,705,000 |
| FHA-insured (Federal Housing Administration) | 404 | $42,935,000 | $106,000 | $276,000 | $44,000 | $242,000 |
| VA-guaranteed (Veterans Administration) | 24 | $2,474,000 | $103,000 | $222,000 | $48,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 2,349 | $284,554,000 | $121,000 | $5,197,000 | $81,000 | $3,705,000 |
| Application Denied By Financial Institution | 570 | $61,869,000 | $108,000 | $1,810,000 | $64,000 | $1,860,000 |
| Application Withdrawn By Applicant | 257 | $35,276,000 | $137,000 | $1,560,000 | $84,000 | $750,000 |
| Preapproval Denied by Financial Institution | 222 | $19,035,000 | $85,000 | $417,000 | $41,000 | $288,000 |
| Application Approved But Not Accepted | 118 | $22,669,000 | $192,000 | $1,970,000 | $106,000 | $753,000 |
| File Closed For Incompleteness | 12 | $1,333,000 | $111,000 | $214,000 | $53,000 | $102,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 324 | $22,974,000 | $70,000 | $302,000 | $41,000 | $193,000 |
| Collateral | 179 | $23,985,000 | $133,000 | $417,000 | $82,000 | $1,860,000 |
| Debt-To-Income Ratio | 136 | $14,616,000 | $107,000 | $1,810,000 | $48,000 | $220,000 |
| Credit Application Incomplete | 104 | $14,481,000 | $139,000 | $417,000 | $81,000 | $1,016,000 |
| Other | 19 | $1,757,000 | $92,000 | $360,000 | $74,000 | $219,000 |
| Employment History | 13 | $1,210,000 | $93,000 | $342,000 | $43,000 | $112,000 |
| Unverifiable Information | 10 | $1,178,000 | $117,000 | $245,000 | $37,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $328,000 | $82,000 | $200,000 | $58,000 | $89,000 |
| Mortgage Insurance Denied | 3 | $375,000 | $125,000 | $150,000 | $61,000 | $109,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Merchants Bank, Na's 2009 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, Na'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.