First Farmers Bank & Trust Co.
First Farmers Bank & Trust Co. received 1,330 applications in 2025 and made 906 mortgages, in 74 counties across 11 states. The median rate its borrowers got was 7.250% on a median loan of $95,000. Of 1,299 decisions, 228 were denials — 17.5%, most often for credit history.
| Legal Entity Identifier | 549300TWHZRVTZ8RYT46 |
|---|---|
| Applications received | 1,330 |
| Mortgages made | 906 |
| Denied | 228 |
| Approved, not taken up | 165 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | Yes: First Farmers Bank & Trust Co., 37 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 330 | 7.000% | $175,000 | 12.2% |
| Refinancing | 49 | 6.875% | $205,000 | 19.7% |
| Cash-out refinancing | 184 | 7.250% | $85,000 | 12.4% |
| Other purposes | 343 | 7.375% | $55,000 | 24.5% |
Where First Farmers Bank & Trust Co. lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Howard County, IN | 169 | 7.125% | 17.0% |
| Miami County, IN | 88 | 7.250% | 12.8% |
| Tipton County, IN | 64 | 7.125% | 6.1% |
| Grant County, IN | 60 | 7.375% | 17.6% |
| Cass County, IN | 52 | 7.563% | 24.3% |
| Vigo County, IN | 52 | 7.313% | 24.7% |
| Vermilion County, IL | 36 | 7.250% | 21.2% |
| Starke County, IN | 35 | 7.375% | 23.5% |
| Hamilton County, IN | 33 | 7.250% | 14.6% |
| Tippecanoe County, IN | 30 | 7.063% | 17.0% |
| Wabash County, IN | 30 | 7.500% | 15.9% |
| Madison County, IN | 28 | 7.125% | 24.4% |
| Sullivan County, IN | 27 | 7.125% | 15.6% |
| Carroll County, IN | 20 | 7.188% | 15.4% |
| Clay County, IN | 19 | 7.250% | 15.2% |
| Boone County, IN | 14 | 7.275% | 25.0% |
| Edgar County, IL | 13 | 7.625% | 27.3% |
| Huntington County, IN | 13 | 7.250% | 11.8% |
| Vermillion County, IN | 8 | Under 10 loans | 9.1% |
| Clinton County, IN | 7 | Under 10 loans | 27.3% |
| Delaware County, IN | 7 | Under 10 loans | 22.2% |
| LaPorte County, IN | 7 | Under 10 loans | 22.2% |
| Pulaski County, IN | 7 | Under 10 loans | 11.1% |
| Kosciusko County, IN | 5 | Under 10 loans | 0.0% |
| Marshall County, IN | 5 | Under 10 loans | 28.6% |
| Warren County, IN | 5 | Under 10 loans | 0.0% |
| Fulton County, IN | 4 | Under 10 loans | 16.7% |
| Porter County, IN | 4 | Under 10 loans | 16.7% |
| Putnam County, IN | 4 | Under 10 loans | 0.0% |
| Iroquois County, IL | 3 | Under 10 loans | 0.0% |
| Marion County, IN | 3 | Under 10 loans | 20.0% |
| Morgan County, IN | 3 | Under 10 loans | 0.0% |
| Owen County, IN | 3 | Under 10 loans | 25.0% |
| Parke County, IN | 3 | Under 10 loans | 25.0% |
| White County, IN | 3 | Under 10 loans | 0.0% |
| Coles County, IL | 2 | Under 10 loans | 0.0% |
| Elkhart County, IN | 2 | Under 10 loans | 0.0% |
| Greene County, IN | 2 | Under 10 loans | 37.5% |
| Monroe County, IN | 2 | Under 10 loans | 33.3% |
| Montgomery County, IN | 2 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 2 | Under 10 loans | 0.0% |
| Whitley County, IN | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 50.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Santa Rosa County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Carroll County, GA | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.