First Merchants Bank, Na
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
First Merchants Bank, Na 2014 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 | 4,142 |
| Total Mortgage Loan Application Amount | $557,326,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $8,657,000 |
| Average Applicant Income | $70,666 |
| Highest Applicant Income | $4,158,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Delaware County Indiana | 386 | $ 40,326,000 | $ 104,000 | $ 66,000 |
| Tippecanoe County Indiana | 270 | $ 32,429,000 | $ 120,000 | $ 91,000 |
| Marion County Indiana | 254 | $ 44,457,000 | $ 175,000 | $ 113,000 |
| Hamilton County Indiana | 220 | $ 46,750,000 | $ 212,000 | $ 125,000 |
| Lake County Indiana | 197 | $ 26,558,000 | $ 134,000 | $ 64,000 |
| Madison County Indiana | 196 | $ 16,712,000 | $ 85,000 | $ 51,000 |
| Johnson County Indiana | 141 | $ 19,640,000 | $ 139,000 | $ 79,000 |
| Franklin County Ohio | 130 | $ 25,045,000 | $ 192,000 | $ 93,000 |
| Hendricks County Indiana | 128 | $ 19,020,000 | $ 148,000 | $ 80,000 |
| White County Indiana | 114 | $ 11,460,000 | $ 100,000 | $ 70,000 |
| Cook County Illinois | 103 | $ 23,059,000 | $ 223,000 | $ 70,000 |
| Randolph County Indiana | 86 | $ 6,349,000 | $ 73,000 | $ 57,000 |
| Adams County Indiana | 73 | $ 5,863,000 | $ 80,000 | $ 68,000 |
| Wayne County Indiana | 69 | $ 6,337,000 | $ 91,000 | $ 63,000 |
| Jay County Indiana | 65 | $ 4,207,000 | $ 64,000 | $ 84,000 |
| Henry County Indiana | 63 | $ 9,179,000 | $ 145,000 | $ 94,000 |
| Shelby County Indiana | 59 | $ 6,544,000 | $ 110,000 | $ 61,000 |
| Jasper County Indiana | 55 | $ 4,659,000 | $ 84,000 | $ 72,000 |
| Montgomery County Indiana | 53 | $ 4,944,000 | $ 93,000 | $ 57,000 |
| Morgan County Indiana | 48 | $ 6,747,000 | $ 140,000 | $ 87,000 |
| Clinton County Indiana | 47 | $ 3,371,000 | $ 71,000 | $ 56,000 |
| Brown County Indiana | 45 | $ 5,132,000 | $ 114,000 | $ 62,000 |
| Wabash County Indiana | 45 | $ 1,716,000 | $ 38,000 | $ 51,000 |
| Carroll County Indiana | 40 | $ 3,323,000 | $ 83,000 | $ 56,000 |
| Miami County Indiana | 39 | $ 2,560,000 | $ 65,000 | $ 47,000 |
| Boone County Indiana | 35 | $ 7,438,000 | $ 212,000 | $ 109,000 |
| Porter County Indiana | 29 | $ 6,884,000 | $ 237,000 | $ 98,000 |
| Delaware County Ohio | 24 | $ 6,163,000 | $ 256,000 | $ 227,000 |
| Hancock County Indiana | 21 | $ 4,312,000 | $ 205,000 | $ 53,000 |
| DuPage County Illinois | 19 | $ 5,922,000 | $ 311,000 | $ 138,000 |
| Fayette County Indiana | 16 | $ 860,000 | $ 53,000 | $ 42,000 |
| Howard County Indiana | 14 | $ 842,000 | $ 60,000 | $ 66,000 |
| Will County Illinois | 13 | $ 3,681,000 | $ 283,000 | $ 104,000 |
| Union County Indiana | 13 | $ 843,000 | $ 64,000 | $ 67,000 |
| Allen County Indiana | 9 | $ 5,883,000 | $ 653,000 | $ 67,000 |
| Kosciusko County Indiana | 9 | $ 2,063,000 | $ 229,000 | $ 276,000 |
| Putnam County Indiana | 9 | $ 2,088,000 | $ 232,000 | $ 103,000 |
| Lee County Florida | 8 | $ 2,080,000 | $ 260,000 | $ 184,000 |
| Butler County Ohio | 8 | $ 538,000 | $ 67,000 | $ 49,000 |
| Fountain County Indiana | 7 | $ 408,000 | $ 58,000 | $ 36,000 |
| Fairfield County Ohio | 7 | $ 1,362,000 | $ 194,000 | $ 86,000 |
| Blackford County Indiana | 5 | $ 348,000 | $ 69,000 | $ 48,000 |
| Cass County Indiana | 5 | $ 456,000 | $ 91,000 | $ 59,000 |
| LaPorte County Indiana | 5 | $ 759,000 | $ 151,000 | $ 145,000 |
| Collier County Florida | 4 | $ 2,105,000 | $ 526,000 | $ 348,000 |
| Kane County Illinois | 4 | $ 1,320,000 | $ 330,000 | $ 17,000 |
| Bartholomew County Indiana | 4 | $ 774,000 | $ 193,000 | $ 161,000 |
| Monroe County Indiana | 4 | $ 385,000 | $ 96,000 | $ 52,000 |
| Newton County Indiana | 4 | $ 133,000 | $ 33,000 | $ 42,000 |
| Rush County Indiana | 4 | $ 396,000 | $ 99,000 | $ 170,000 |
| St. Joseph County Indiana | 4 | $ 9,961,000 | $ 2,490,000 | $ 59,000 |
| Tipton County Indiana | 4 | $ 428,000 | $ 107,000 | $ 113,000 |
| Nash County North Carolina | 4 | $ 569,000 | $ 142,000 | $ 0 |
| Licking County Ohio | 4 | $ 1,719,000 | $ 429,000 | $ 50,000 |
| Maricopa County Arizona | 3 | $ 423,000 | $ 141,000 | $ 116,000 |
| Parke County Indiana | 3 | $ 303,000 | $ 101,000 | $ 46,000 |
| Wells County Indiana | 3 | $ 367,000 | $ 122,000 | $ 40,000 |
| Darke County Ohio | 3 | $ 300,000 | $ 100,000 | $ 37,000 |
| Preble County Ohio | 3 | $ 436,000 | $ 145,000 | $ 56,000 |
| Brevard County Florida | 2 | $ 578,000 | $ 289,000 | $ 663,000 |
| Hillsborough County Florida | 2 | $ 1,075,000 | $ 537,000 | $ 145,000 |
| Cobb County Georgia | 2 | $ 1,032,000 | $ 516,000 | $ 106,000 |
| McHenry County Illinois | 2 | $ 297,000 | $ 148,000 | $ 259,000 |
| Elkhart County Indiana | 2 | $ 369,000 | $ 184,000 | $ 300,000 |
| Noble County Indiana | 2 | $ 168,000 | $ 84,000 | $ 91,000 |
| Pulaski County Indiana | 2 | $ 270,000 | $ 135,000 | $ 56,000 |
| Steuben County Indiana | 2 | $ 480,000 | $ 240,000 | $ 39,000 |
| Cumberland County Maine | 2 | $ 564,000 | $ 282,000 | $ 365,000 |
| Berrien County Michigan | 2 | $ 562,000 | $ 281,000 | $ 251,000 |
| Guilford County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 239,000 |
| Clermont County Ohio | 2 | $ 170,000 | $ 85,000 | $ 244,000 |
| Hamilton County Ohio | 2 | $ 296,000 | $ 148,000 | $ 0 |
| Logan County Ohio | 2 | $ 562,000 | $ 281,000 | $ 321,000 |
| Mercer County Ohio | 2 | $ 360,000 | $ 180,000 | $ 118,000 |
| Union County Ohio | 2 | $ 193,000 | $ 96,000 | $ 0 |
| Clackamas County Oregon | 2 | $ 672,000 | $ 336,000 | $ 77,000 |
| Schuylkill County Pennsylvania | 2 | $ 750,000 | $ 375,000 | $ 70,000 |
| Beaufort County South Carolina | 2 | $ 800,000 | $ 400,000 | $ 301,000 |
| Charleston County South Carolina | 2 | $ 825,000 | $ 412,000 | $ 292,000 |
| Knox County Tennessee | 2 | $ 608,000 | $ 304,000 | $ 300,000 |
| Snohomish County Washington | 2 | $ 461,000 | $ 230,000 | $ 166,000 |
| Pinal County Arizona | 1 | $ 615,000 | $ 615,000 | $ 178,000 |
| San Francisco County California | 1 | $ 650,000 | $ 650,000 | $ 72,000 |
| Charlotte County Florida | 1 | $ 110,000 | $ 110,000 | $ 92,000 |
| Manatee County Florida | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Orange County Florida | 1 | $ 138,000 | $ 138,000 | $ 157,000 |
| Palm Beach County Florida | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Pinellas County Florida | 1 | $ 134,000 | $ 134,000 | $ 154,000 |
| Fulton County Georgia | 1 | $ 130,000 | $ 130,000 | $ 162,000 |
| Gwinnett County Georgia | 1 | $ 140,000 | $ 140,000 | $ 54,000 |
| Ada County Idaho | 1 | $ 65,000 | $ 65,000 | $ 89,000 |
| Lake County Illinois | 1 | $ 284,000 | $ 284,000 | $ 129,000 |
| McLean County Illinois | 1 | $ 162,000 | $ 162,000 | $ 97,000 |
| Peoria County Illinois | 1 | $ 47,000 | $ 47,000 | $ 69,000 |
| Benton County Indiana | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Clark County Indiana | 1 | $ 163,000 | $ 163,000 | $ 64,000 |
| Clay County Indiana | 1 | $ 264,000 | $ 264,000 | $ 98,000 |
| Decatur County Indiana | 1 | $ 112,000 | $ 112,000 | $ 49,000 |
| DeKalb County Indiana | 1 | $ 373,000 | $ 373,000 | $ 290,000 |
| Franklin County Indiana | 1 | $ 180,000 | $ 180,000 | $ 64,000 |
| Fulton County Indiana | 1 | $ 5,000 | $ 5,000 | $ 55,000 |
| Grant County Indiana | 1 | $ 67,000 | $ 67,000 | $ 59,000 |
| Huntington County Indiana | 1 | $ 42,000 | $ 42,000 | $ 11,000 |
| Martin County Indiana | 1 | $ 58,000 | $ 58,000 | $ 210,000 |
| Owen County Indiana | 1 | $ 61,000 | $ 61,000 | $ 61,000 |
| Starke County Indiana | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Sullivan County Indiana | 1 | $ 108,000 | $ 108,000 | $ 83,000 |
| Vanderburgh County Indiana | 1 | $ 244,000 | $ 244,000 | $ 119,000 |
| Vigo County Indiana | 1 | $ 80,000 | $ 80,000 | $ 34,000 |
| Warren County Indiana | 1 | $ 64,000 | $ 64,000 | $ 65,000 |
| Warrick County Indiana | 1 | $ 1,721,000 | $ 1,721,000 | $ 0 |
| Whitley County Indiana | 1 | $ 134,000 | $ 134,000 | $ 77,000 |
| Jefferson County Kentucky | 1 | $ 8,657,000 | $ 8,657,000 | $ 0 |
| Pulaski County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Branch County Michigan | 1 | $ 50,000 | $ 50,000 | $ 227,000 |
| Hillsdale County Michigan | 1 | $ 68,000 | $ 68,000 | $ 187,000 |
| Clark County Nevada | 1 | $ 361,000 | $ 361,000 | $ 127,000 |
| Bernalillo County New Mexico | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Moore County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 93,000 |
| Erie County Ohio | 1 | $ 192,000 | $ 192,000 | $ 223,000 |
| Holmes County Ohio | 1 | $ 549,000 | $ 549,000 | $ 206,000 |
| Knox County Ohio | 1 | $ 235,000 | $ 235,000 | $ 40,000 |
| Lake County Ohio | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Madison County Ohio | 1 | $ 149,000 | $ 149,000 | $ 52,000 |
| Mahoning County Ohio | 1 | $ 111,000 | $ 111,000 | $ 114,000 |
| Montgomery County Ohio | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Perry County Ohio | 1 | $ 256,000 | $ 256,000 | $ 230,000 |
| Van Wert County Ohio | 1 | $ 66,000 | $ 66,000 | $ 88,000 |
| Warren County Ohio | 1 | $ 170,000 | $ 170,000 | $ 76,000 |
| Delaware County Oklahoma | 1 | $ 103,000 | $ 103,000 | $ 99,000 |
| York County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| Maury County Tennessee | 1 | $ 56,000 | $ 56,000 | $ 46,000 |
| Pickett County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 36,000 |
| Union County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 52,000 |
| Navarro County Texas | 1 | $ 110,000 | $ 110,000 | $ 66,000 |
| Travis County Texas | 1 | $ 578,000 | $ 578,000 | $ 4,158,000 |
| Kane County Utah | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Summit County Utah | 1 | $ 956,000 | $ 956,000 | $ 1,546,000 |
| Pocahontas County West Virginia | 1 | $ 100,000 | $ 100,000 | $ 140,000 |
| Raleigh County West Virginia | 1 | $ 760,000 | $ 760,000 | $ 0 |
Mortgage Loan Application Detail Totals for First Merchants Bank, Na in 2014
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 | 2,358 | $331,499,000 | $140,000 | $8,657,000 | $75,000 | $4,158,000 |
| Refinancing | 1,393 | $203,847,000 | $146,000 | $2,891,000 | $85,000 | $1,624,000 |
| Home Improvement | 391 | $21,980,000 | $56,000 | $5,100,000 | $52,000 | $341,000 |
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 | 3,465 | $408,198,000 | $117,000 | $2,279,000 | $81,000 | $1,913,000 |
| Not Provided | 222 | $31,113,000 | $140,000 | $936,000 | $76,000 | $699,000 |
| Not applicable | 205 | $90,649,000 | $442,000 | $8,657,000 | $2,000 | $439,000 |
| Hispanic | 105 | $10,526,000 | $100,000 | $600,000 | $48,000 | $230,000 |
| Black or African American | 93 | $8,537,000 | $91,000 | $578,000 | $90,000 | $4,158,000 |
| Asian | 43 | $7,612,000 | $177,000 | $936,000 | $124,000 | $1,499,000 |
| American Indian or Alaskan Native | 7 | $413,000 | $59,000 | $123,000 | $54,000 | $101,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $278,000 | $139,000 | $180,000 | $65,000 | $78,000 |
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) | 3,453 | $486,379,000 | $140,000 | $8,657,000 | $83,000 | $4,158,000 |
| FHA-insured (Federal Housing Administration) | 440 | $46,073,000 | $104,000 | $268,000 | $42,000 | $259,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 163 | $13,870,000 | $85,000 | $204,000 | $36,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 86 | $11,004,000 | $127,000 | $399,000 | $56,000 | $154,000 |
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 | 2,252 | $337,989,000 | $150,000 | $8,657,000 | $91,000 | $4,158,000 |
| Preapproval Denied by Financial Institution | 801 | $75,503,000 | $94,000 | $956,000 | $42,000 | $1,211,000 |
| Application Denied By Financial Institution | 639 | $60,141,000 | $94,000 | $2,413,000 | $61,000 | $1,913,000 |
| Application Withdrawn By Applicant | 363 | $73,036,000 | $201,000 | $5,100,000 | $91,000 | $986,000 |
| Application Approved But Not Accepted | 65 | $8,313,000 | $127,000 | $748,000 | $71,000 | $336,000 |
| File Closed For Incompleteness | 14 | $1,796,000 | $128,000 | $370,000 | $71,000 | $171,000 |
| Loan Purchased By The Institution | 8 | $548,000 | $68,000 | $82,000 | $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 | 744 | $58,408,000 | $78,000 | $400,000 | $40,000 | $587,000 |
| Debt-To-Income Ratio | 268 | $27,397,000 | $102,000 | $2,413,000 | $43,000 | $315,000 |
| Credit Application Incomplete | 233 | $31,132,000 | $133,000 | $956,000 | $81,000 | $1,913,000 |
| Collateral | 104 | $11,861,000 | $114,000 | $1,000,000 | $78,000 | $420,000 |
| Employment History | 37 | $2,860,000 | $77,000 | $268,000 | $37,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $1,496,000 | $55,000 | $145,000 | $37,000 | $72,000 |
| Unverifiable Information | 26 | $2,419,000 | $93,000 | $256,000 | $62,000 | $352,000 |
| Other | 1 | $71,000 | $71,000 | $71,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Merchants Bank, Na's 2014 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.