Applications / Mortgage Analytics / Lenders / Indiana / First Farmers Bank & Trust Company
Converse, IN · State member bank · FRS · $3.4 billion assets · 906 loans in 2025
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906
loans originated, 2025
1,330
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Farmers Bank & Trust Company is a small-loan Indiana community lender that grew faster than about two-thirds of similar lenders and gained share in its smaller home markets.
Its typical loan was $95,000, against $205,000 for similar lenders (state member banks making between half and twice as many loans), lower than nearly all of them. Its home improvement and other loans, 20.6% and 17.2% of its lending, may account for the small typical loan.
Its middle rate was 7.25% against 6.75%. It turned down 14.2% of first-lien home-purchase applications on owner-occupied homes, against 6.7%, and 20.7% of refinance applications, against 13.1%, higher than about three-quarters of similar lenders on both. Manufactured homes, 5.2% of its loans against 1.1%, are turned down more often and priced higher, and could account for part of it.
32.0% of its loans went to LMI (low- and moderate-income) borrowers, more than about seven in ten similar lenders. 1.7% were in majority-minority tracts, against 7.4%, which may reflect its smaller Indiana cities and non-metro counties, with few such tracts.
Originations rose 13%, against 7% for similar lenders. It ranks 3 of 209 in Kokomo with a 5.3% share, and gained 0.8 points in Terre Haute and 0.6 points in Lafayette, while its Indianapolis share fell to 0.2% from 0.4%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Farmers Bank & Trust Company took 1,330 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.4% · Refinance 25.7% · Home improvement 20.6% · Other 17.2%
Conventional 100.0% · of 906 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 835 | 92.2% |
| Illinois | 58 | 6.4% |
| Florida | 6 | 0.7% |
| Arizona | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| Michigan | 1 | 0.1% |
| Minnesota | 1 | 0.1% |
| Ohio | 1 | 0.1% |
| Oklahoma | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kokomo | 169 |
| Indianapolis-Carmel-Greenwood | 149 |
| Terre Haute | 106 |
| Lafayette-West Lafayette | 55 |
| Michigan City-La Porte | 7 |
| Muncie | 7 |
| Lake County-Porter County-Jasper County | 6 |
| Bloomington | 5 |
| Fort Wayne | 3 |
| Elkhart-Goshen | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TWHZRVTZ8RYT46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 139843 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 312839 | 1990–1994 |
| Respondent ID (the HMDA filer code before 2018) | 2139843 | 1995–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Farmers Bank & Trust Company's data.
First Farmers Bank & Trust Company's data
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