Agricultural Mortgage Company Mortgage Lending & HMDA Data, 2004
In 2004, Agricultural Mortgage Company of Louisville, KY reported 298 mortgage applications totaling $70.8 million, down 29% from 2003. The average application was for $237,701, and applicants reported an average income of $107,916. 0% of its applications resulted in an originated loan and 52% were denied. Its largest markets were Fresno, CA (11), Dallas-Plano-Irving, TX (8) and Sacramento--Arden-Arcade--Roseville, CA (5) (applications in parentheses).
| Mortgage Company & Address | Agricultural Mortgage Company 2209 River Road Louisville, KY 40206 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2004 2003 |
| Total Number of Mortgage Applications | 298 |
| Total Mortgage Loan Application Amount | $70,835,000 |
| Average Mortgage Loan Application Amount | $237,701 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $107,916 |
| Highest Applicant Income | $3,240,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Agricultural Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fresno, CA | 11 | $ 2,740,000 | $ 249,090 | $ 94,000 |
| Dallas-Plano-Irving, TX | 8 | $ 895,000 | $ 111,875 | $ 100,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 1,763,000 | $ 352,600 | $ 336,000 |
| Madera, CA | 4 | $ 1,830,000 | $ 457,500 | $ 33,000 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 1,186,000 | $ 296,500 | $ 111,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 4,795,000 | $ 1,198,750 | $ 454,000 |
| Albuquerque, NM | 3 | $ 135,000 | $ 45,000 | $ 68,000 |
| Kennewick-Richland-Pasco, WA | 3 | $ 265,000 | $ 88,333 | $ 87,000 |
| Merced, CA | 3 | $ 490,000 | $ 163,333 | $ 92,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 825,000 | $ 275,000 | $ 77,000 |
| Orlando, FL | 3 | $ 879,000 | $ 293,000 | $ 90,000 |
| Springfield, MO | 3 | $ 613,000 | $ 204,333 | $ 51,000 |
| Tulsa, OK | 3 | $ 600,000 | $ 200,000 | $ 68,000 |
| Austin-Round Rock, TX | 2 | $ 1,191,000 | $ 595,500 | $ 107,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 600,000 | $ 300,000 | $ 184,000 |
| Erie, PA | 2 | $ 556,000 | $ 278,000 | $ 114,000 |
| Greeley, CO | 2 | $ 761,000 | $ 380,500 | $ 109,000 |
| Houston-Baytown-Sugar Land, TX | 2 | $ 223,000 | $ 111,500 | $ 82,000 |
| Jackson, MS | 2 | $ 128,000 | $ 64,000 | $ 44,000 |
| Kansas City, MO-KS | 2 | $ 445,000 | $ 222,500 | $ 107,000 |
| Lexington-Fayette, KY | 2 | $ 230,000 | $ 115,000 | $ 52,000 |
| Lynchburg, VA | 2 | $ 494,000 | $ 247,000 | $ 84,000 |
| Medford, OR | 2 | $ 404,000 | $ 202,000 | $ 99,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,039,000 | $ 519,500 | $ 197,000 |
| Ocala, FL | 2 | $ 1,669,000 | $ 834,500 | $ 70,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 1,439,000 | $ 719,500 | $ 274,000 |
| Prescott, AZ | 2 | $ 272,000 | $ 136,000 | $ 126,000 |
| Raleigh-Cary, NC | 2 | $ 328,000 | $ 164,000 | $ 81,000 |
| Richmond, VA | 2 | $ 474,000 | $ 237,000 | $ 126,000 |
| Rochester, NY | 2 | $ 213,000 | $ 106,500 | $ 33,000 |
| Salem, OR | 2 | $ 675,000 | $ 337,500 | $ 120,000 |
| Salinas, CA | 2 | $ 1,113,000 | $ 556,500 | $ 277,000 |
| San Antonio, TX | 2 | $ 337,000 | $ 168,500 | $ 49,000 |
| San Diego-Carlsbad-San Marcos, CA | 2 | $ 447,000 | $ 223,500 | $ 187,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 296,000 | $ 148,000 | $ 73,000 |
| St. Louis, MO-IL | 2 | $ 399,000 | $ 199,500 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 280,000 | $ 140,000 | $ 167,000 |
| Visalia-Porterville, CA | 2 | $ 657,000 | $ 328,500 | $ 132,000 |
| Wichita, KS | 2 | $ 138,000 | $ 69,000 | $ 98,000 |
| Akron, OH | 1 | $ 530,000 | $ 530,000 | $ 106,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 84,000 | $ 84,000 | $ 174,000 |
| Ann Arbor, MI | 1 | $ 114,000 | $ 114,000 | $ 240,000 |
| Appleton, WI | 1 | $ 82,000 | $ 82,000 | $ 36,000 |
| Bakersfield, CA | 1 | $ 200,000 | $ 200,000 | $ 76,000 |
| Baltimore-Towson, MD | 1 | $ 396,000 | $ 396,000 | $ 119,000 |
| Battle Creek, MI | 1 | $ 281,000 | $ 281,000 | $ 44,000 |
| Boston-Quincy, MA | 1 | $ 162,000 | $ 162,000 | $ 102,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 37,000 | $ 37,000 | $ 118,000 |
| Casper, WY | 1 | $ 300,000 | $ 300,000 | $ 138,000 |
| Colorado Springs, CO | 1 | $ 211,000 | $ 211,000 | $ 77,000 |
| Columbus, OH | 1 | $ 235,000 | $ 235,000 | $ 126,000 |
| Denver-Aurora, CO | 1 | $ 338,000 | $ 338,000 | $ 79,000 |
| Dubuque, IA | 1 | $ 583,000 | $ 583,000 | $ 76,000 |
| Edison, NJ | 1 | $ 1,989,000 | $ 1,989,000 | $ 552,000 |
| Eugene-Springfield, OR | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Fond Du Lac, WI | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Fort Wayne, IN | 1 | $ 230,000 | $ 230,000 | $ 76,000 |
| Gary, IN | 1 | $ 40,000 | $ 40,000 | $ 73,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Holland-Grand Haven, MI | 1 | $ 120,000 | $ 120,000 | $ 66,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 66,000 | $ 66,000 | $ 23,000 |
| Janesville, WI | 1 | $ 126,000 | $ 126,000 | $ 49,000 |
| Kingston, NY | 1 | $ 350,000 | $ 350,000 | $ 63,000 |
| Knoxville, TN | 1 | $ 57,000 | $ 57,000 | $ 70,000 |
| Lakeland, FL | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Lansing-East Lansing, MI | 1 | $ 152,000 | $ 152,000 | $ 48,000 |
| Lawrence, KS | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Little Rock-North Little Rock, AR | 1 | $ 106,000 | $ 106,000 | $ 48,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 323,000 | $ 323,000 | $ 86,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 645,000 | $ 645,000 | $ 84,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
| Norwich-New London, CT | 1 | $ 467,000 | $ 467,000 | $ 80,000 |
| Oklahoma City, OK | 1 | $ 101,000 | $ 101,000 | $ 140,000 |
| Panama City-Lynn Haven, FL | 1 | $ 119,000 | $ 119,000 | $ 29,000 |
| Philadelphia, PA | 1 | $ 503,000 | $ 503,000 | $ 282,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 525,000 | $ 525,000 | $ 52,000 |
| Pueblo, CO | 1 | $ 228,000 | $ 228,000 | $ 73,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 1 | $ 378,000 | $ 378,000 | $ 104,000 |
| Santa Fe, NM | 1 | $ 149,000 | $ 149,000 | $ 89,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 575,000 | $ 575,000 | $ 120,000 |
| Terre Haute, IN | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Tucson, AZ | 1 | $ 280,000 | $ 280,000 | $ 61,000 |
| Tyler, TX | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Vallejo-Fairfield, CA | 1 | $ 800,000 | $ 800,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Agricultural Mortgage Company in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 165 | $45,295,000 | $295,333 | $2,700,000 | $116,916 | $3,240,000 |
| Home Purchase | 126 | $24,141,000 | $173,968 | $1,000,000 | $92,593 | $1,230,000 |
| Home Improvement | 7 | $1,399,000 | $199,857 | $341,000 | $90,142 | $175,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 197 | $42,016,000 | $219,897 | $1,989,000 | $90,128 | $1,230,000 |
| Not Provided | 74 | $21,890,000 | $287,000 | $2,700,000 | $202,357 | $3,240,000 |
| Asian | 13 | $3,296,000 | $272,666 | $460,000 | $97,000 | $145,000 |
| Hispanic | 10 | $2,740,000 | $197,625 | $1,540,000 | $93,375 | $225,000 |
| Black or African American | 3 | $655,000 | $218,333 | $400,000 | $92,333 | $135,000 |
| Not applicable | 1 | $238,000 | $238,000 | $238,000 | $87,000 | $87,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 298 | $70,835,000 | $231,000 | $2,700,000 | $104,720 | $3,240,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 155 | $44,710,000 | $299,342 | $2,700,000 | $118,628 | $3,240,000 |
| Application Withdrawn By Applicant | 137 | $25,284,000 | $172,944 | $800,000 | $88,972 | $1,230,000 |
| Application Approved But Not Accepted | 6 | $841,000 | $115,600 | $275,000 | $100,200 | $174,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Other | 26 | $6,179,000 | $210,333 | $1,060,000 | $70,800 | $380,000 |
| Debt-To-Income Ratio | 15 | $4,048,000 | $256,454 | $645,000 | $64,000 | $120,000 |
| Credit History | 14 | $3,937,000 | $306,363 | $1,989,000 | $120,818 | $552,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,725,000 | $309,500 | $1,000,000 | $86,000 | $324,000 |
| Collateral | 1 | $227,000 | $227,000 | $227,000 | $121,000 | $121,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Agricultural Mortgage Company's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Agricultural Mortgage Company's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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