Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2025
In 2025, Farm Credit Mid-America, Aca of Louisville, KY reported 6,402 mortgage applications totaling $2.6 billion, up 8% from 2024. The average application was for $406,735, and applicants reported an average income of $221,644. 66% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (306), Knoxville, TN (156) and Cincinnati, OH-KY-IN (145) (applications in parentheses).
| Mortgage Company & Address | Farm Credit Mid-America, Aca 1601 Ups Drive Louisville, KY 40299 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,402 |
| Total Mortgage Loan Application Amount | $2,603,920,000 |
| Average Mortgage Loan Application Amount | $406,735 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $221,644 |
| Highest Applicant Income | $8,648,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2025
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,140 | $2,252,890,000 | $438,000 | $5,005,000 | $229,000 | $8,648,000 |
| Refinancing | 723 | $252,525,000 | $349,000 | $3,565,000 | $182,000 | $1,934,000 |
| Home Improvement | 331 | $48,215,000 | $145,000 | $2,475,000 | $186,000 | $3,138,000 |
| Other Purpose | 207 | $49,925,000 | $241,000 | $2,015,000 | $235,000 | $6,462,000 |
| Cash-out Refinancing | 1 | $365,000 | $365,000 | $365,000 | $111,000 | $111,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 5,364 | $2,163,790,000 | $403,000 | $4,025,000 | $216,000 | $8,648,000 |
| Not Provided | 751 | $300,755,000 | $400,000 | $4,125,000 | $259,000 | $5,689,000 |
| Hispanic | 147 | $70,995,000 | $482,000 | $5,005,000 | $218,000 | $1,790,000 |
| American Indian or Alaskan Native | 50 | $19,760,000 | $395,000 | $1,465,000 | $208,000 | $792,000 |
| Not applicable | 34 | $22,440,000 | $660,000 | $5,005,000 | $0 | $0 |
| Asian | 29 | $15,905,000 | $548,000 | $2,405,000 | $475,000 | $7,487,000 |
| Black or African American | 25 | $9,085,000 | $363,000 | $795,000 | $178,000 | $488,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,190,000 | $595,000 | $755,000 | $147,000 | $169,000 |
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) | 6,402 | $2,603,920,000 | $406,000 | $5,005,000 | $222,000 | $8,648,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 4,242 | $1,679,590,000 | $395,000 | $3,565,000 | $237,000 | $8,648,000 |
| Application Withdrawn By Applicant | 1,213 | $515,415,000 | $424,000 | $5,005,000 | $201,000 | $3,004,000 |
| Application Denied By Financial Institution | 773 | $329,255,000 | $425,000 | $5,005,000 | $152,000 | $2,768,000 |
| Application Approved But Not Accepted | 146 | $66,290,000 | $454,000 | $4,025,000 | $314,000 | $3,066,000 |
| File Closed For Incompleteness | 28 | $13,370,000 | $477,000 | $1,505,000 | $272,000 | $950,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,629 | $2,274,665,000 | $404,000 | $5,005,000 | $231,000 | $8,648,000 |
| Debt-To-Income Ratio | 586 | $251,130,000 | $428,000 | $5,005,000 | $139,000 | $1,334,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 71 | $29,945,000 | $421,000 | $1,155,000 | $149,000 | $465,000 |
| Other | 54 | $20,190,000 | $373,000 | $1,985,000 | $171,000 | $841,000 |
| Credit History | 33 | $12,605,000 | $381,000 | $2,015,000 | $171,000 | $1,000,000 |
| Collateral | 26 | $13,130,000 | $505,000 | $4,125,000 | $366,000 | $2,768,000 |
| Unverifiable Information | 3 | $2,255,000 | $751,000 | $1,765,000 | $408,000 | $890,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca's 2025 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 Farm Credit Mid-America, Aca'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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About