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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 3,761 | $ 1,454,725,000 | $ 386,792 | $ 210,328 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 306 | $ 162,550,000 | $ 531,209 | $ 265,000 |
| Knoxville, TN | 156 | $ 78,220,000 | $ 501,410 | $ 218,000 |
| Cincinnati, OH-KY-IN | 145 | $ 61,045,000 | $ 421,000 | $ 293,062 |
| Louisville/Jefferson County, KY-IN | 132 | $ 51,050,000 | $ 386,742 | $ 199,227 |
| Columbus, OH | 124 | $ 47,970,000 | $ 386,854 | $ 212,000 |
| Cleveland, OH | 120 | $ 40,180,000 | $ 334,833 | $ 178,000 |
| Indianapolis-Carmel-Anderson, IN | 73 | $ 26,445,000 | $ 362,260 | $ 232,000 |
| Clarksville, TN-KY | 71 | $ 25,515,000 | $ 359,366 | $ 233,563 |
| Houston-The Woodlands-Sugar Land, TX | 64 | $ 34,280,000 | $ 535,625 | $ 374,000 |
| Lexington-Fayette, KY | 57 | $ 25,805,000 | $ 452,719 | $ 274,000 |
| San Antonio-New Braunfels, TX | 48 | $ 24,040,000 | $ 500,833 | $ 251,000 |
| Canton-Massillon, OH | 47 | $ 14,215,000 | $ 302,446 | $ 161,000 |
| Des Moines-West Des Moines, IA | 44 | $ 17,330,000 | $ 393,863 | $ 279,000 |
| Youngstown-Warren-Boardman, OH-PA | 44 | $ 16,380,000 | $ 372,272 | $ 203,000 |
| Wichita, KS | 41 | $ 20,755,000 | $ 506,219 | $ 261,000 |
| Johnson City, TN | 40 | $ 15,190,000 | $ 379,750 | $ 168,000 |
| Elkhart-Goshen, IN | 37 | $ 12,675,000 | $ 342,567 | $ 137,000 |
| Dayton-Springfield-Kettering, OH | 35 | $ 12,325,000 | $ 352,142 | $ 187,000 |
| Lake County-Porter County-Jasper County, IN | 35 | $ 12,085,000 | $ 345,285 | $ 225,000 |
| Kingsport-Bristol-Bristol, TN-VA | 34 | $ 11,720,000 | $ 344,705 | $ 184,000 |
| Omaha-Council Bluffs, NE-IA | 34 | $ 12,810,000 | $ 376,764 | $ 227,647 |
| Lafayette-West Lafayette, IN | 32 | $ 8,260,000 | $ 258,125 | $ 183,000 |
| Memphis, TN-MS-AR | 32 | $ 11,940,000 | $ 373,125 | $ 207,062 |
| Bowling Green, KY | 31 | $ 11,725,000 | $ 378,225 | $ 206,000 |
| Dallas-Plano-Irving, TX | 27 | $ 15,225,000 | $ 563,888 | $ 282,000 |
| Fort Wayne, IN | 27 | $ 9,995,000 | $ 370,185 | $ 202,000 |
| Kansas City, MO-KS | 27 | $ 15,945,000 | $ 590,555 | $ 237,629 |
| Austin-Round Rock, TX | 26 | $ 19,380,000 | $ 745,384 | $ 383,000 |
| Morristown, TN | 25 | $ 10,025,000 | $ 401,000 | $ 179,000 |
| Oklahoma City, OK | 25 | $ 8,725,000 | $ 349,000 | $ 188,000 |
| Elizabethtown-Fort Knox, KY | 22 | $ 9,740,000 | $ 442,727 | $ 373,000 |
| Lincoln, NE | 22 | $ 8,540,000 | $ 388,181 | $ 246,000 |
| Lubbock, TX | 22 | $ 9,140,000 | $ 415,454 | $ 258,000 |
| Sioux Falls, SD | 22 | $ 11,270,000 | $ 512,272 | $ 262,000 |
| Topeka, KS | 21 | $ 7,245,000 | $ 345,000 | $ 147,000 |
| Mansfield, OH | 20 | $ 7,280,000 | $ 364,000 | $ 169,000 |
| Owensboro, KY | 20 | $ 5,840,000 | $ 292,000 | $ 167,000 |
| Tulsa, OK | 20 | $ 7,560,000 | $ 378,000 | $ 164,000 |
| Akron, OH | 18 | $ 6,950,000 | $ 386,111 | $ 182,000 |
| Chattanooga, TN-GA | 18 | $ 8,470,000 | $ 470,555 | $ 179,000 |
| Evansville, IN-KY | 18 | $ 6,160,000 | $ 342,222 | $ 437,000 |
| Michigan City-La Porte, IN | 18 | $ 7,620,000 | $ 423,333 | $ 188,000 |
| Bloomington, IN | 17 | $ 8,275,000 | $ 486,764 | $ 302,000 |
| Jackson, TN | 16 | $ 5,810,000 | $ 363,125 | $ 174,000 |
| Grand Island, NE | 15 | $ 3,415,000 | $ 227,666 | $ 150,000 |
| Denver-Aurora-Lakewood, CO | 14 | $ 12,220,000 | $ 872,857 | $ 309,000 |
| St. Louis, MO-IL | 14 | $ 3,760,000 | $ 268,571 | $ 207,000 |
| Springfield, OH | 13 | $ 3,445,000 | $ 265,000 | $ 133,000 |
| Columbus, IN | 11 | $ 4,435,000 | $ 403,181 | $ 159,000 |
| Fort Worth-Arlington, TX | 11 | $ 5,755,000 | $ 523,181 | $ 219,000 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 1,615,000 | $ 146,818 | $ 109,000 |
| Rapid City, SD | 11 | $ 7,635,000 | $ 694,090 | $ 519,000 |
| Sherman-Denison, TX | 11 | $ 9,575,000 | $ 870,454 | $ 325,000 |
| Stockton-Lodi, CA | 11 | $ 15,495,000 | $ 1,408,636 | $ 1,110,000 |
| Wheeling, WV-OH | 11 | $ 3,145,000 | $ 285,909 | $ 156,000 |
| Cleveland, TN | 10 | $ 4,100,000 | $ 410,000 | $ 172,000 |
| College Station-Bryan, TX | 10 | $ 6,150,000 | $ 615,000 | $ 259,000 |
| Manhattan, KS | 10 | $ 4,390,000 | $ 439,000 | $ 254,000 |
| Sioux City, IA-NE-SD | 10 | $ 3,480,000 | $ 348,000 | $ 126,444 |
| Toledo, OH | 10 | $ 2,500,000 | $ 250,000 | $ 145,000 |
| Corpus Christi, TX | 9 | $ 4,335,000 | $ 481,666 | $ 287,000 |
| Ames, IA | 8 | $ 3,350,000 | $ 418,750 | $ 186,000 |
| Grand Junction, CO | 8 | $ 4,380,000 | $ 547,500 | $ 174,000 |
| Terre Haute, IN | 8 | $ 2,510,000 | $ 313,750 | $ 126,000 |
| Tyler, TX | 8 | $ 4,310,000 | $ 538,750 | $ 245,000 |
| Kokomo, IN | 7 | $ 2,275,000 | $ 325,000 | $ 171,000 |
| Las Cruces, NM | 7 | $ 3,035,000 | $ 433,571 | $ 273,000 |
| Sandusky, OH | 7 | $ 1,825,000 | $ 260,714 | $ 157,000 |
| Beaumont-Port Arthur, TX | 6 | $ 2,110,000 | $ 351,666 | $ 240,000 |
| Champaign-Urbana, IL | 6 | $ 2,600,000 | $ 433,333 | $ 274,000 |
| Fort Collins, CO | 6 | $ 5,080,000 | $ 846,666 | $ 240,000 |
| Greeley, CO | 6 | $ 4,020,000 | $ 670,000 | $ 344,000 |
| Lawrence, KS | 6 | $ 3,020,000 | $ 503,333 | $ 241,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 2,230,000 | $ 371,666 | $ 228,000 |
| Cedar Rapids, IA | 5 | $ 2,825,000 | $ 565,000 | $ 196,000 |
| Colorado Springs, CO | 5 | $ 2,375,000 | $ 475,000 | $ 126,000 |
| Enid, OK | 5 | $ 2,345,000 | $ 469,000 | $ 197,000 |
| Grand Forks, ND-MN | 5 | $ 2,015,000 | $ 403,000 | $ 262,000 |
| Jonesboro, AR | 5 | $ 3,585,000 | $ 717,000 | $ 353,000 |
| Muncie, IN | 5 | $ 2,765,000 | $ 553,000 | $ 201,000 |
| Reno, NV | 5 | $ 3,035,000 | $ 607,000 | $ 219,000 |
| Santa Rosa, CA | 5 | $ 4,855,000 | $ 971,000 | $ 341,000 |
| Victoria, TX | 5 | $ 2,215,000 | $ 443,000 | $ 100,000 |
| Weirton-Steubenville, WV-OH | 5 | $ 915,000 | $ 183,000 | $ 151,000 |
| Cape Girardeau, MO-IL | 4 | $ 1,200,000 | $ 300,000 | $ 112,000 |
| Casper, WY | 4 | $ 2,210,000 | $ 552,500 | $ 361,000 |
| Joplin, MO | 4 | $ 960,000 | $ 240,000 | $ 256,000 |
| Lawton, OK | 4 | $ 1,000,000 | $ 250,000 | $ 129,000 |
| Lima, OH | 4 | $ 780,000 | $ 195,000 | $ 82,000 |
| Longview, TX | 4 | $ 1,580,000 | $ 395,000 | $ 252,000 |
| Paducah, KY-IL | 4 | $ 1,160,000 | $ 290,000 | $ 111,500 |
| Santa Fe, NM | 4 | $ 1,490,000 | $ 372,500 | $ 211,000 |
| Springfield, IL | 4 | $ 1,950,000 | $ 487,500 | $ 254,000 |
| St. Joseph, MO-KS | 4 | $ 1,520,000 | $ 380,000 | $ 200,500 |
| Brownsville-Harlingen, TX | 3 | $ 835,000 | $ 278,333 | $ 128,000 |
| Cheyenne, WY | 3 | $ 1,025,000 | $ 341,666 | $ 173,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 975,000 | $ 325,000 | $ 179,000 |
| Dubuque, IA | 3 | $ 515,000 | $ 171,666 | $ 146,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,375,000 | $ 458,333 | $ 275,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 2,905,000 | $ 968,333 | $ 479,000 |
| Abilene, TX | 2 | $ 900,000 | $ 450,000 | $ 129,000 |
| Amarillo, TX | 2 | $ 940,000 | $ 470,000 | $ 219,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 1,860,000 | $ 930,000 | $ 313,000 |
| Pueblo, CO | 2 | $ 940,000 | $ 470,000 | $ 248,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,480,000 | $ 740,000 | $ 325,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,040,000 | $ 520,000 | $ 271,000 |
| Waco, TX | 2 | $ 1,550,000 | $ 775,000 | $ 619,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 440,000 | $ 220,000 | $ 179,000 |
| Albuquerque, NM | 1 | $ 425,000 | $ 425,000 | $ 172,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,765,000 | $ 1,765,000 | $ 8,648,000 |
| Boulder, CO | 1 | $ 965,000 | $ 965,000 | $ 182,000 |
| Chicago-Naperville, IL | 1 | $ 415,000 | $ 415,000 | $ 146,000 |
| Eagle Pass, TX | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| El Paso, TX | 1 | $ 215,000 | $ 215,000 | $ 214,000 |
| Fargo, ND-MN | 1 | $ 315,000 | $ 315,000 | $ 176,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 1,145,000 | $ 1,145,000 | $ 649,000 |
| Iowa City, IA | 1 | $ 875,000 | $ 875,000 | $ 392,000 |
| Jefferson City, MO | 1 | $ 335,000 | $ 335,000 | $ 168,000 |
| Killeen-Temple, TX | 1 | $ 445,000 | $ 445,000 | $ 327,000 |
| Laredo, TX | 1 | $ 305,000 | $ 305,000 | $ 142,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 385,000 | $ 385,000 | $ 242,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 365,000 | $ 365,000 | $ 103,000 |
| Modesto, CA | 1 | $ 665,000 | $ 665,000 | $ 247,000 |
| Napa, CA | 1 | $ 465,000 | $ 465,000 | $ 144,000 |
| Parkersburg-Vienna, WV | 1 | $ 365,000 | $ 365,000 | $ 348,000 |
| Pittsburgh, PA | 1 | $ 435,000 | $ 435,000 | $ 62,000 |
| Redding, CA | 1 | $ 305,000 | $ 305,000 | $ 315,000 |
| Salinas, CA | 1 | $ 335,000 | $ 335,000 | $ 151,000 |
| St. Cloud, MN | 1 | $ 395,000 | $ 395,000 | $ 110,000 |
| Texarkana, TX-AR | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Urban Honolulu, HI | 1 | $ 425,000 | $ 425,000 | $ 156,000 |
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.
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