First Merchants Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
First Merchants Bank, Na 2012 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 | 5,390 |
| Total Mortgage Loan Application Amount | $793,349,000 |
| Average Mortgage Loan Application Amount | $110,666 |
| Highest Mortgage Loan Application Amount | $17,149,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $8,861,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 505 | $ 87,421,000 | $ 173,000 | $ 98,000 |
| Delaware County Indiana | 481 | $ 45,107,000 | $ 93,000 | $ 65,000 |
| Hamilton County Indiana | 436 | $ 89,414,000 | $ 205,000 | $ 98,000 |
| Madison County Indiana | 424 | $ 51,657,000 | $ 121,000 | $ 60,000 |
| Marion County Indiana | 408 | $ 70,077,000 | $ 171,000 | $ 98,000 |
| Hendricks County Indiana | 357 | $ 52,722,000 | $ 147,000 | $ 78,000 |
| Johnson County Indiana | 210 | $ 36,297,000 | $ 172,000 | $ 94,000 |
| White County Indiana | 168 | $ 18,803,000 | $ 111,000 | $ 66,000 |
| Adams County Indiana | 152 | $ 17,792,000 | $ 117,000 | $ 77,000 |
| Randolph County Indiana | 124 | $ 11,464,000 | $ 92,000 | $ 84,000 |
| Henry County Indiana | 114 | $ 15,396,000 | $ 135,000 | $ 73,000 |
| Jasper County Indiana | 93 | $ 11,315,000 | $ 121,000 | $ 58,000 |
| Clinton County Indiana | 88 | $ 7,127,000 | $ 80,000 | $ 45,000 |
| Jay County Indiana | 86 | $ 8,657,000 | $ 100,000 | $ 60,000 |
| Montgomery County Indiana | 86 | $ 8,224,000 | $ 95,000 | $ 54,000 |
| Wayne County Indiana | 82 | $ 10,937,000 | $ 133,000 | $ 65,000 |
| Brown County Indiana | 78 | $ 11,069,000 | $ 141,000 | $ 68,000 |
| Morgan County Indiana | 75 | $ 11,590,000 | $ 154,000 | $ 72,000 |
| Franklin County Ohio | 73 | $ 41,465,000 | $ 568,000 | $ 88,000 |
| Wabash County Indiana | 64 | $ 4,420,000 | $ 69,000 | $ 68,000 |
| Carroll County Indiana | 55 | $ 6,906,000 | $ 125,000 | $ 237,000 |
| Hancock County Indiana | 53 | $ 7,888,000 | $ 148,000 | $ 76,000 |
| Fayette County Indiana | 49 | $ 6,598,000 | $ 134,000 | $ 49,000 |
| Boone County Indiana | 44 | $ 11,278,000 | $ 256,000 | $ 125,000 |
| Miami County Indiana | 44 | $ 2,769,000 | $ 62,000 | $ 48,000 |
| Union County Indiana | 41 | $ 3,396,000 | $ 82,000 | $ 70,000 |
| Butler County Ohio | 33 | $ 6,486,000 | $ 196,000 | $ 110,000 |
| Shelby County Indiana | 27 | $ 2,960,000 | $ 109,000 | $ 66,000 |
| Howard County Indiana | 20 | $ 1,973,000 | $ 98,000 | $ 50,000 |
| Newton County Indiana | 18 | $ 2,099,000 | $ 116,000 | $ 97,000 |
| Kosciusko County Indiana | 17 | $ 4,113,000 | $ 241,000 | $ 164,000 |
| Delaware County Ohio | 17 | $ 6,814,000 | $ 400,000 | $ 171,000 |
| Allen County Indiana | 16 | $ 2,477,000 | $ 154,000 | $ 133,000 |
| Putnam County Indiana | 16 | $ 2,159,000 | $ 134,000 | $ 97,000 |
| Blackford County Indiana | 10 | $ 596,000 | $ 59,000 | $ 59,000 |
| Grant County Indiana | 9 | $ 663,000 | $ 73,000 | $ 50,000 |
| Lee County Florida | 8 | $ 2,027,000 | $ 253,000 | $ 157,000 |
| Monroe County Indiana | 8 | $ 14,900,000 | $ 1,862,000 | $ 65,000 |
| Collier County Florida | 7 | $ 5,866,000 | $ 838,000 | $ 278,000 |
| Bartholomew County Indiana | 7 | $ 1,096,000 | $ 156,000 | $ 87,000 |
| Cass County Indiana | 7 | $ 349,000 | $ 49,000 | $ 54,000 |
| Parke County Indiana | 6 | $ 975,000 | $ 162,000 | $ 126,000 |
| Elkhart County Indiana | 5 | $ 2,467,000 | $ 493,000 | $ 74,000 |
| Porter County Indiana | 5 | $ 806,000 | $ 161,000 | $ 12,000 |
| Warren County Indiana | 5 | $ 300,000 | $ 60,000 | $ 30,000 |
| Cook County Illinois | 4 | $ 1,799,000 | $ 449,000 | $ 204,000 |
| Will County Illinois | 4 | $ 845,000 | $ 211,000 | $ 129,000 |
| Benton County Indiana | 4 | $ 260,000 | $ 65,000 | $ 31,000 |
| Fountain County Indiana | 4 | $ 476,000 | $ 119,000 | $ 54,000 |
| Franklin County Indiana | 4 | $ 362,000 | $ 90,000 | $ 82,000 |
| Pulaski County Indiana | 4 | $ 279,000 | $ 69,000 | $ 43,000 |
| Steuben County Indiana | 4 | $ 735,000 | $ 183,000 | $ 106,000 |
| Tipton County Indiana | 4 | $ 139,000 | $ 34,000 | $ 37,000 |
| Wells County Indiana | 4 | $ 263,000 | $ 65,000 | $ 55,000 |
| Whitley County Indiana | 4 | $ 438,000 | $ 109,000 | $ 114,000 |
| Nash County North Carolina | 4 | $ 597,000 | $ 149,000 | $ 0 |
| Darke County Ohio | 4 | $ 759,000 | $ 189,000 | $ 131,000 |
| Mercer County Ohio | 4 | $ 479,000 | $ 119,000 | $ 11,000 |
| Palm Beach County Florida | 3 | $ 457,000 | $ 152,000 | $ 114,000 |
| Sarasota County Florida | 3 | $ 562,000 | $ 187,000 | $ 92,000 |
| Decatur County Indiana | 3 | $ 394,000 | $ 131,000 | $ 148,000 |
| Rush County Indiana | 3 | $ 144,000 | $ 48,000 | $ 83,000 |
| Branch County Michigan | 3 | $ 466,000 | $ 155,000 | $ 116,000 |
| Montgomery County Ohio | 3 | $ 424,000 | $ 141,000 | $ 66,000 |
| Preble County Ohio | 3 | $ 316,000 | $ 105,000 | $ 47,000 |
| Union County Ohio | 3 | $ 1,227,000 | $ 409,000 | $ 122,000 |
| Maricopa County Arizona | 2 | $ 448,000 | $ 224,000 | $ 206,000 |
| Eagle County Colorado | 2 | $ 1,067,000 | $ 533,000 | $ 242,000 |
| Bay County Florida | 2 | $ 196,000 | $ 98,000 | $ 133,000 |
| Broward County Florida | 2 | $ 163,000 | $ 81,000 | $ 24,000 |
| Okaloosa County Florida | 2 | $ 803,000 | $ 401,000 | $ 122,000 |
| Fulton County Indiana | 2 | $ 525,000 | $ 262,000 | $ 74,000 |
| LaPorte County Indiana | 2 | $ 327,000 | $ 163,000 | $ 66,000 |
| Noble County Indiana | 2 | $ 314,000 | $ 157,000 | $ 92,000 |
| Vermillion County Indiana | 2 | $ 293,000 | $ 146,000 | $ 77,000 |
| Vigo County Indiana | 2 | $ 328,000 | $ 164,000 | $ 141,000 |
| Oakland County Michigan | 2 | $ 404,000 | $ 202,000 | $ 84,000 |
| Fairfield County Ohio | 2 | $ 337,000 | $ 168,000 | $ 72,000 |
| El Paso County Colorado | 1 | $ 293,000 | $ 293,000 | $ 133,000 |
| Grand County Colorado | 1 | $ 400,000 | $ 400,000 | $ 162,000 |
| Brevard County Florida | 1 | $ 202,000 | $ 202,000 | $ 37,000 |
| Polk County Florida | 1 | $ 76,000 | $ 76,000 | $ 90,000 |
| Volusia County Florida | 1 | $ 276,000 | $ 276,000 | $ 124,000 |
| Glynn County Georgia | 1 | $ 283,000 | $ 283,000 | $ 444,000 |
| McHenry County Illinois | 1 | $ 273,000 | $ 273,000 | $ 129,000 |
| Crawford County Indiana | 1 | $ 80,000 | $ 80,000 | $ 179,000 |
| DeKalb County Indiana | 1 | $ 360,000 | $ 360,000 | $ 161,000 |
| Dubois County Indiana | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Floyd County Indiana | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Greene County Indiana | 1 | $ 280,000 | $ 280,000 | $ 140,000 |
| Huntington County Indiana | 1 | $ 180,000 | $ 180,000 | $ 288,000 |
| Lawrence County Indiana | 1 | $ 70,000 | $ 70,000 | $ 32,000 |
| Owen County Indiana | 1 | $ 39,000 | $ 39,000 | $ 118,000 |
| Spencer County Indiana | 1 | $ 26,000 | $ 26,000 | $ 29,000 |
| Starke County Indiana | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Johnson County Kansas | 1 | $ 365,000 | $ 365,000 | $ 271,000 |
| Jefferson County Kentucky | 1 | $ 241,000 | $ 241,000 | $ 182,000 |
| Warren County Kentucky | 1 | $ 110,000 | $ 110,000 | $ 28,000 |
| Wayne County Kentucky | 1 | $ 46,000 | $ 46,000 | $ 51,000 |
| Jefferson County Louisiana | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Hancock County Maine | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Antrim County Michigan | 1 | $ 380,000 | $ 380,000 | $ 856,000 |
| Cass County Michigan | 1 | $ 222,000 | $ 222,000 | $ 266,000 |
| Clinton County Michigan | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
| Grand Traverse County Michigan | 1 | $ 76,000 | $ 76,000 | $ 232,000 |
| St. Joseph County Michigan | 1 | $ 185,000 | $ 185,000 | $ 103,000 |
| Washtenaw County Michigan | 1 | $ 268,000 | $ 268,000 | $ 186,000 |
| Bernalillo County New Mexico | 1 | $ 587,000 | $ 587,000 | $ 434,000 |
| Mecklenburg County North Carolina | 1 | $ 312,000 | $ 312,000 | $ 78,000 |
| Watauga County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Clark County Ohio | 1 | $ 234,000 | $ 234,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Licking County Ohio | 1 | $ 260,000 | $ 260,000 | $ 230,000 |
| Ottawa County Ohio | 1 | $ 260,000 | $ 260,000 | $ 0 |
| Van Wert County Ohio | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Wood County Ohio | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Blair County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 38,000 |
| Minnehaha County South Dakota | 1 | $ 122,000 | $ 122,000 | $ 61,000 |
| Davidson County Tennessee | 1 | $ 277,000 | $ 277,000 | $ 73,000 |
| Sevier County Tennessee | 1 | $ 396,000 | $ 396,000 | $ 182,000 |
| Williamson County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 140,000 | $ 140,000 | $ 151,000 |
| Hopkins County Texas | 1 | $ 180,000 | $ 180,000 | $ 284,000 |
| Summit County Utah | 1 | $ 267,000 | $ 267,000 | $ 147,000 |
| Arlington County Virginia | 1 | $ 276,000 | $ 276,000 | $ 47,000 |
| Snohomish County Washington | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Monongalia County West Virginia | 1 | $ 6,000,000 | $ 6,000,000 | $ 0 |
| Bayfield County Wisconsin | 1 | $ 117,000 | $ 117,000 | $ 204,000 |
Mortgage Loan Application Detail Totals for First Merchants Bank, Na in 2012
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 | 3,384 | $574,654,000 | $169,000 | $17,149,000 | $84,000 | $8,861,000 |
| Home Purchase | 1,776 | $207,926,000 | $117,000 | $1,686,000 | $67,000 | $3,870,000 |
| Home Improvement | 230 | $10,769,000 | $46,000 | $2,000,000 | $56,000 | $468,000 |
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 | 4,817 | $643,054,000 | $133,000 | $2,849,000 | $81,000 | $8,861,000 |
| Not Provided | 204 | $27,772,000 | $136,000 | $1,345,000 | $81,000 | $1,030,000 |
| Not applicable | 200 | $104,515,000 | $522,000 | $17,149,000 | $0 | $0 |
| Hispanic | 69 | $6,145,000 | $89,000 | $387,000 | $46,000 | $220,000 |
| Black or African American | 63 | $5,889,000 | $93,000 | $414,000 | $60,000 | $351,000 |
| Asian | 30 | $4,991,000 | $166,000 | $417,000 | $91,000 | $346,000 |
| American Indian or Alaskan Native | 4 | $425,000 | $106,000 | $149,000 | $55,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $558,000 | $186,000 | $304,000 | $30,000 | $50,000 |
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) | 4,483 | $698,149,000 | $155,000 | $17,149,000 | $85,000 | $8,861,000 |
| FHA-insured (Federal Housing Administration) | 614 | $65,648,000 | $106,000 | $285,000 | $41,000 | $308,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 199 | $16,996,000 | $85,000 | $250,000 | $30,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 94 | $12,556,000 | $133,000 | $312,000 | $43,000 | $141,000 |
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 | 3,385 | $572,126,000 | $169,000 | $17,149,000 | $89,000 | $8,861,000 |
| Application Denied By Financial Institution | 833 | $90,256,000 | $108,000 | $1,398,000 | $57,000 | $467,000 |
| Preapproval Denied by Financial Institution | 602 | $49,805,000 | $82,000 | $320,000 | $35,000 | $1,092,000 |
| Application Withdrawn By Applicant | 478 | $66,777,000 | $139,000 | $1,334,000 | $84,000 | $1,800,000 |
| Application Approved But Not Accepted | 51 | $7,568,000 | $148,000 | $1,400,000 | $66,000 | $497,000 |
| File Closed For Incompleteness | 27 | $3,721,000 | $137,000 | $400,000 | $72,000 | $193,000 |
| Loan Purchased By The Institution | 7 | $1,118,000 | $159,000 | $417,000 | $119,000 | $286,000 |
| Preapproval Approved but not Accepted | 7 | $1,978,000 | $282,000 | $380,000 | $124,000 | $260,000 |
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 | 788 | $68,773,000 | $87,000 | $548,000 | $41,000 | $1,092,000 |
| Debt-To-Income Ratio | 255 | $23,004,000 | $90,000 | $375,000 | $41,000 | $260,000 |
| Collateral | 190 | $23,335,000 | $122,000 | $600,000 | $73,000 | $434,000 |
| Credit Application Incomplete | 131 | $15,564,000 | $118,000 | $548,000 | $62,000 | $590,000 |
| Employment History | 35 | $2,441,000 | $69,000 | $155,000 | $31,000 | $131,000 |
| Unverifiable Information | 16 | $2,800,000 | $175,000 | $745,000 | $82,000 | $278,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $3,572,000 | $255,000 | $1,398,000 | $47,000 | $119,000 |
| Other | 5 | $461,000 | $92,000 | $153,000 | $74,000 | $171,000 |
| Mortgage Insurance Denied | 1 | $111,000 | $111,000 | $111,000 | $60,000 | $60,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Merchants Bank, Na's 2012 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.