First Merchants Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
First Merchants Bank, Na 2011 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 | 4,239 |
| Total Mortgage Loan Application Amount | $559,568,000 |
| Average Mortgage Loan Application Amount | $99,000 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $8,208,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 376 | $ 48,652,000 | $ 129,000 | $ 74,000 |
| Delaware County Indiana | 364 | $ 39,270,000 | $ 107,000 | $ 82,000 |
| Madison County Indiana | 348 | $ 51,376,000 | $ 147,000 | $ 73,000 |
| Marion County Indiana | 263 | $ 47,707,000 | $ 181,000 | $ 100,000 |
| Hamilton County Indiana | 248 | $ 50,522,000 | $ 203,000 | $ 101,000 |
| Hendricks County Indiana | 229 | $ 33,355,000 | $ 145,000 | $ 81,000 |
| Johnson County Indiana | 216 | $ 37,014,000 | $ 171,000 | $ 96,000 |
| Adams County Indiana | 161 | $ 14,736,000 | $ 91,000 | $ 68,000 |
| White County Indiana | 143 | $ 14,739,000 | $ 103,000 | $ 65,000 |
| Randolph County Indiana | 97 | $ 8,352,000 | $ 86,000 | $ 55,000 |
| Jasper County Indiana | 95 | $ 9,096,000 | $ 95,000 | $ 64,000 |
| Wayne County Indiana | 91 | $ 11,476,000 | $ 126,000 | $ 71,000 |
| Wabash County Indiana | 87 | $ 4,442,000 | $ 51,000 | $ 50,000 |
| Montgomery County Indiana | 83 | $ 7,800,000 | $ 93,000 | $ 55,000 |
| Clinton County Indiana | 80 | $ 7,464,000 | $ 93,000 | $ 55,000 |
| Henry County Indiana | 79 | $ 6,397,000 | $ 80,000 | $ 75,000 |
| Jay County Indiana | 75 | $ 6,391,000 | $ 85,000 | $ 60,000 |
| Carroll County Indiana | 65 | $ 7,029,000 | $ 108,000 | $ 180,000 |
| Brown County Indiana | 64 | $ 7,654,000 | $ 119,000 | $ 61,000 |
| Morgan County Indiana | 59 | $ 8,758,000 | $ 148,000 | $ 71,000 |
| Franklin County Ohio | 56 | $ 11,122,000 | $ 198,000 | $ 139,000 |
| Miami County Indiana | 53 | $ 2,923,000 | $ 55,000 | $ 49,000 |
| Fayette County Indiana | 39 | $ 3,330,000 | $ 85,000 | $ 42,000 |
| Union County Indiana | 34 | $ 3,716,000 | $ 109,000 | $ 144,000 |
| Boone County Indiana | 31 | $ 6,203,000 | $ 200,000 | $ 96,000 |
| Hancock County Indiana | 29 | $ 5,213,000 | $ 179,000 | $ 84,000 |
| Kosciusko County Indiana | 22 | $ 5,052,000 | $ 229,000 | $ 103,000 |
| Butler County Ohio | 22 | $ 6,866,000 | $ 312,000 | $ 96,000 |
| Newton County Indiana | 15 | $ 1,896,000 | $ 126,000 | $ 172,000 |
| Delaware County Ohio | 15 | $ 3,461,000 | $ 230,000 | $ 164,000 |
| Allen County Indiana | 13 | $ 7,089,000 | $ 545,000 | $ 50,000 |
| Blackford County Indiana | 12 | $ 977,000 | $ 81,000 | $ 111,000 |
| Cass County Indiana | 12 | $ 897,000 | $ 74,000 | $ 47,000 |
| Grant County Indiana | 12 | $ 1,125,000 | $ 93,000 | $ 53,000 |
| Putnam County Indiana | 11 | $ 1,453,000 | $ 132,000 | $ 67,000 |
| Bartholomew County Indiana | 9 | $ 1,154,000 | $ 128,000 | $ 59,000 |
| Howard County Indiana | 8 | $ 605,000 | $ 75,000 | $ 32,000 |
| Collier County Florida | 7 | $ 7,579,000 | $ 1,082,000 | $ 207,000 |
| Lee County Florida | 7 | $ 1,704,000 | $ 243,000 | $ 167,000 |
| Fountain County Indiana | 7 | $ 525,000 | $ 75,000 | $ 54,000 |
| Mercer County Ohio | 7 | $ 529,000 | $ 75,000 | $ 138,000 |
| Preble County Ohio | 7 | $ 741,000 | $ 105,000 | $ 57,000 |
| Benton County Indiana | 6 | $ 434,000 | $ 72,000 | $ 46,000 |
| Porter County Indiana | 6 | $ 568,000 | $ 94,000 | $ 120,000 |
| Darke County Ohio | 6 | $ 410,000 | $ 68,000 | $ 46,000 |
| Franklin County Indiana | 5 | $ 577,000 | $ 115,000 | $ 88,000 |
| Huntington County Indiana | 5 | $ 334,000 | $ 66,000 | $ 36,000 |
| Lake County Indiana | 5 | $ 1,170,000 | $ 234,000 | $ 151,000 |
| Pulaski County Indiana | 5 | $ 253,000 | $ 50,000 | $ 34,000 |
| Steuben County Indiana | 5 | $ 992,000 | $ 198,000 | $ 115,000 |
| Shelby County Indiana | 4 | $ 444,000 | $ 111,000 | $ 56,000 |
| Warren County Ohio | 4 | $ 443,000 | $ 110,000 | $ 211,000 |
| Sarasota County Florida | 3 | $ 718,000 | $ 239,000 | $ 27,000 |
| Cook County Illinois | 3 | $ 613,000 | $ 204,000 | $ 82,000 |
| Clay County Indiana | 3 | $ 379,000 | $ 126,000 | $ 87,000 |
| Monroe County Indiana | 3 | $ 168,000 | $ 56,000 | $ 25,000 |
| Parke County Indiana | 3 | $ 398,000 | $ 132,000 | $ 85,000 |
| Wells County Indiana | 3 | $ 398,000 | $ 132,000 | $ 70,000 |
| Whitley County Indiana | 3 | $ 1,094,000 | $ 364,000 | $ 201,000 |
| Madison County Ohio | 3 | $ 780,000 | $ 260,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 396,000 | $ 198,000 | $ 132,000 |
| Los Angeles County California | 2 | $ 667,000 | $ 333,000 | $ 123,000 |
| Fulton County Indiana | 2 | $ 177,000 | $ 88,000 | $ 38,000 |
| LaGrange County Indiana | 2 | $ 265,000 | $ 132,000 | $ 127,000 |
| Marshall County Indiana | 2 | $ 1,555,000 | $ 777,000 | $ 4,229,000 |
| Rush County Indiana | 2 | $ 91,000 | $ 45,000 | $ 64,000 |
| Tipton County Indiana | 2 | $ 226,000 | $ 113,000 | $ 57,000 |
| Vigo County Indiana | 2 | $ 213,000 | $ 106,000 | $ 56,000 |
| Kenton County Kentucky | 2 | $ 409,000 | $ 204,000 | $ 184,000 |
| Licking County Ohio | 2 | $ 4,663,000 | $ 2,331,000 | $ 0 |
| Pickaway County Ohio | 2 | $ 174,000 | $ 87,000 | $ 186,000 |
| Union County Ohio | 2 | $ 411,000 | $ 205,000 | $ 27,000 |
| Van Wert County Ohio | 2 | $ 207,000 | $ 103,000 | $ 54,000 |
| Loudon County Tennessee | 2 | $ 695,000 | $ 347,000 | $ 193,000 |
| Orange County California | 1 | $ 400,000 | $ 400,000 | $ 105,000 |
| Douglas County Colorado | 1 | $ 243,000 | $ 243,000 | $ 88,000 |
| El Paso County Colorado | 1 | $ 325,000 | $ 325,000 | $ 146,000 |
| Bay County Florida | 1 | $ 286,000 | $ 286,000 | $ 151,000 |
| Brevard County Florida | 1 | $ 75,000 | $ 75,000 | $ 113,000 |
| Charlotte County Florida | 1 | $ 110,000 | $ 110,000 | $ 106,000 |
| Manatee County Florida | 1 | $ 73,000 | $ 73,000 | $ 47,000 |
| Okaloosa County Florida | 1 | $ 216,000 | $ 216,000 | $ 147,000 |
| Pinellas County Florida | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Volusia County Florida | 1 | $ 104,000 | $ 104,000 | $ 78,000 |
| Cobb County Georgia | 1 | $ 170,000 | $ 170,000 | $ 89,000 |
| Glynn County Georgia | 1 | $ 300,000 | $ 300,000 | $ 523,000 |
| Clark County Indiana | 1 | $ 98,000 | $ 98,000 | $ 100,000 |
| Crawford County Indiana | 1 | $ 76,000 | $ 76,000 | $ 93,000 |
| Dearborn County Indiana | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Decatur County Indiana | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
| DeKalb County Indiana | 1 | $ 150,000 | $ 150,000 | $ 55,000 |
| Elkhart County Indiana | 1 | $ 125,000 | $ 125,000 | $ 202,000 |
| Floyd County Indiana | 1 | $ 93,000 | $ 93,000 | $ 100,000 |
| Jackson County Indiana | 1 | $ 138,000 | $ 138,000 | $ 44,000 |
| Jefferson County Indiana | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| LaPorte County Indiana | 1 | $ 50,000 | $ 50,000 | $ 144,000 |
| Noble County Indiana | 1 | $ 98,000 | $ 98,000 | $ 177,000 |
| Orange County Indiana | 1 | $ 64,000 | $ 64,000 | $ 230,000 |
| Owen County Indiana | 1 | $ 5,000 | $ 5,000 | $ 20,000 |
| St. Joseph County Indiana | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Starke County Indiana | 1 | $ 150,000 | $ 150,000 | $ 79,000 |
| Vermillion County Indiana | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Warren County Indiana | 1 | $ 103,000 | $ 103,000 | $ 34,000 |
| Hamilton County Kansas | 1 | $ 49,000 | $ 49,000 | $ 60,000 |
| Johnson County Kansas | 1 | $ 365,000 | $ 365,000 | $ 376,000 |
| Campbell County Kentucky | 1 | $ 416,000 | $ 416,000 | $ 264,000 |
| Daviess County Kentucky | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Russell County Kentucky | 1 | $ 188,000 | $ 188,000 | $ 111,000 |
| Essex County Massachusetts | 1 | $ 252,000 | $ 252,000 | $ 162,000 |
| Branch County Michigan | 1 | $ 217,000 | $ 217,000 | $ 167,000 |
| Clinton County Michigan | 1 | $ 92,000 | $ 92,000 | $ 105,000 |
| Emmet County Michigan | 1 | $ 130,000 | $ 130,000 | $ 680,000 |
| Mackinac County Michigan | 1 | $ 100,000 | $ 100,000 | $ 0 |
| St. Joseph County Michigan | 1 | $ 190,000 | $ 190,000 | $ 158,000 |
| DeSoto County Mississippi | 1 | $ 193,000 | $ 193,000 | $ 107,000 |
| St. Francois County Missouri | 1 | $ 81,000 | $ 81,000 | $ 84,000 |
| Camden County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 83,000 |
| Guilford County North Carolina | 1 | $ 292,000 | $ 292,000 | $ 175,000 |
| Mecklenburg County North Carolina | 1 | $ 316,000 | $ 316,000 | $ 74,000 |
| Clermont County Ohio | 1 | $ 215,000 | $ 215,000 | $ 141,000 |
| Montgomery County Ohio | 1 | $ 53,000 | $ 53,000 | $ 38,000 |
| Paulding County Ohio | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Stark County Ohio | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Jackson County Oklahoma | 1 | $ 190,000 | $ 190,000 | $ 97,000 |
| Greenville County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Clay County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 82,000 |
| Hamilton County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 207,000 |
| Shelby County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 78,000 |
| Sumner County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 196,000 |
| Hidalgo County Texas | 1 | $ 103,000 | $ 103,000 | $ 88,000 |
| Montgomery County Texas | 1 | $ 162,000 | $ 162,000 | $ 48,000 |
| Victoria County Texas | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for First Merchants Bank, Na in 2011
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 | 2,593 | $394,559,000 | $152,000 | $6,000,000 | $86,000 | $6,447,000 |
| Home Purchase | 1,412 | $156,973,000 | $111,000 | $1,849,000 | $65,000 | $8,208,000 |
| Home Improvement | 234 | $8,036,000 | $34,000 | $800,000 | $71,000 | $1,610,000 |
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 | 3,772 | $465,770,000 | $123,000 | $2,915,000 | $83,000 | $8,208,000 |
| Not applicable | 175 | $59,480,000 | $339,000 | $6,000,000 | $0 | $0 |
| Not Provided | 155 | $20,799,000 | $134,000 | $417,000 | $70,000 | $377,000 |
| Hispanic | 69 | $5,579,000 | $80,000 | $362,000 | $54,000 | $384,000 |
| Black or African American | 39 | $3,375,000 | $86,000 | $391,000 | $49,000 | $328,000 |
| Asian | 23 | $4,204,000 | $182,000 | $803,000 | $100,000 | $312,000 |
| American Indian or Alaskan Native | 3 | $233,000 | $77,000 | $148,000 | $63,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $128,000 | $42,000 | $54,000 | $41,000 | $52,000 |
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) | 3,599 | $495,027,000 | $137,000 | $6,000,000 | $85,000 | $8,208,000 |
| FHA-insured (Federal Housing Administration) | 495 | $50,034,000 | $101,000 | $274,000 | $43,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 107 | $9,717,000 | $90,000 | $207,000 | $36,000 | $75,000 |
| VA-guaranteed (Veterans Administration) | 38 | $4,790,000 | $126,000 | $386,000 | $52,000 | $105,000 |
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 | 2,706 | $395,239,000 | $146,000 | $6,000,000 | $92,000 | $8,208,000 |
| Application Denied By Financial Institution | 666 | $70,389,000 | $105,000 | $720,000 | $60,000 | $1,433,000 |
| Preapproval Denied by Financial Institution | 427 | $33,721,000 | $78,000 | $300,000 | $30,000 | $242,000 |
| Application Withdrawn By Applicant | 391 | $55,676,000 | $142,000 | $1,713,000 | $76,000 | $1,400,000 |
| Application Approved But Not Accepted | 43 | $3,433,000 | $79,000 | $327,000 | $66,000 | $185,000 |
| File Closed For Incompleteness | 6 | $1,110,000 | $185,000 | $311,000 | $49,000 | $90,000 |
| 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 | 580 | $46,486,000 | $80,000 | $390,000 | $36,000 | $242,000 |
| Collateral | 204 | $26,080,000 | $127,000 | $503,000 | $85,000 | $1,433,000 |
| Debt-To-Income Ratio | 170 | $17,436,000 | $102,000 | $720,000 | $43,000 | $271,000 |
| Credit Application Incomplete | 78 | $8,868,000 | $113,000 | $416,000 | $55,000 | $264,000 |
| Unverifiable Information | 21 | $2,060,000 | $98,000 | $180,000 | $53,000 | $216,000 |
| Employment History | 17 | $1,220,000 | $71,000 | $185,000 | $25,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $1,553,000 | $91,000 | $203,000 | $55,000 | $135,000 |
| Other | 6 | $407,000 | $67,000 | $117,000 | $53,000 | $76,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Merchants Bank, Na's 2011 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.