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.

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First Farmers Bank & Trust Co.

Bank•Converse, INHQ•Direct•Reviews near you on Google

First Farmers Bank & Trust Co. has 306 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Regional · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 62 basis points above market average

Explore another lender or local market

Report Card

First Farmers Bank & Trust Co. performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+61.7 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

302 loans · 0.62% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

222 loans · 0.58% above market

Strong

Top 40% of lenders

4/5

Refinance

84 loans · 0.72% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Strong

Top 40% of lenders

4/5

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

Conventional

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume302

Mix98.7%

Spread

+0.616%Above

Fees

$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

Purchase

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume222

Mix72.5%

Spread

+0.580%Above

Fees

$920Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume84

Mix27.5%

Spread

+0.719%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 2020+None

Midwest2

ILIN

South1

Top Metro Areas by Place Specialization Score

Kokomo, INMetro

Volume 57Mix 18.63% of portfolio

88/100

Exceptional

Terre Haute, INMetro

Volume 38Mix 12.42% of portfolio

69/100

Strong

Indianapolis, INMetro

Volume 56Mix 18.30% of portfolio

64/100

Strong

Lafayette, INMetro

Volume 17Mix 5.56% of portfolio

52/100

Sound

Top States by Place Specialization Score

IndianaState

Volume 284Mix 92.81% of portfolio

77/100

Strong

IllinoisState

Volume 21Mix 6.86% of portfolio

47/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.