First Farmers Bank & Trust in Indiana vs the state
16.7%Denial rate+0.12 pts vs state
17.1%Decision denial rate-3.01 pts vs state
68.3%Origination rate+6.08 pts vs state
7.25%Median rate+0.50 pts vs state
0.31Rate spread (pts)-0.06 pts vs state
$85kMedian applicant income
835Loans originated
204Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,037 | 697 | 18.3% | 8.25% | #64 |
| 2024 | 1,066 | 747 | 16.3% | 7.88% | #64 |
| 2025 | 1,222 | 835 | 16.7% | 7.25% | #64 |
What First Farmers Bank & Trust lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most First Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Howard County | 253 | 169 | 41 | 16.2% |
| Miami County | 119 | 88 | 15 | 12.6% |
| Grant County | 94 | 60 | 16 | 17.0% |
| Tipton County | 85 | 64 | 5 | 5.9% |
| Vigo County | 82 | 52 | 20 | 24.4% |
| Cass County | 74 | 52 | 18 | 24.3% |
| Starke County | 52 | 35 | 12 | 23.1% |
| Hamilton County | 49 | 33 | 7 | 14.3% |
| Tippecanoe County | 48 | 30 | 8 | 16.7% |
| Madison County | 46 | 28 | 11 | 23.9% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 1,222 applications in 2025, of which 835 were originated and 204 denied.
16.7% of all applications, or 17.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans First Farmers Bank & Trust originated in Indiana in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are First Farmers Bank & Trust's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology