What loan types does First Farmers Bank & Trust Co. offer?

First Farmers Bank & Trust Co. offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does First Farmers Bank & Trust Co. offer mortgages?

First Farmers Bank & Trust Co. offers mortgages in 3 states: FL, IL, IN.

How competitive are First Farmers Bank & Trust Co.'s mortgage rates?

First Farmers Bank & Trust Co. has an overall pricing score of 39.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is First Farmers Bank & Trust Co.?

First Farmers Bank & Trust Co. is a Bank headquartered in Converse, IN.

Unclaimed

First Farmers Bank & Trust Co.

Bank•Converse, IN•Direct

First Farmers Bank Trust has 306 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

Conventional

Place

Strong

Regional · 4 mkts

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Safe Rate's Summary

Things to Think About

Rates typically 62 basis points above market average

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Report Card

First Farmers Bank & Trust Co. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +61.7 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Strong	Highly Competitive Top 40% of lenders Regional5 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Sound	Strong	302	98.7%	+0.616%Above	$983Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Sound	Sound	222	72.5%	+0.580%Above	$920Fees
Refinance	Sound	Strong	Acceptable	Strong	84	27.5%	+0.719%Above	$1,159Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

306

Applications

477

Volume

$69 million

Pricing & Closing

Avg Rate Spread

+0.617%

vs. market APOR

Avg Net Fees

$984

Origination − Credits

Pullthrough Rate

64.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$225,621

Avg Borrower Income

$120,843

Avg Property Value

$319,967

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Strong

States with Loan Originations

FLILIN

Top Metro Areas by Place Specialization Score

Kokomo, IN, INMSA

Volume: 57Mix: 18.63%of portfolio

Place

Exceptional

Terre Haute, IN, INMSA

Volume: 38Mix: 12.42%of portfolio

Place

Strong

Indianapolis, INMSA

Volume: 56Mix: 18.30%of portfolio

Place

Strong

Lafayette, INMSA

Volume: 17Mix: 5.56%of portfolio

Place

Sound

Top States by Place Specialization Score

INState

Volume: 284Mix: 92.81%of portfolio

Place

Strong

ILState

Volume: 21Mix: 6.86%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.