Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2004
In 2004, Farm Credit Mid-America, Aca of Louisville, KY reported 6,075 mortgage applications totaling $665.5 million, down 24% from 2003. The average application was for $109,548, and applicants reported an average income of $67,923. 57% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Nashville-Davidson--Murfreesboro, TN (291), Knoxville, TN (130) and Morristown, TN (120) (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 | 6,075 |
| Total Mortgage Loan Application Amount | $665,509,000 |
| Average Mortgage Loan Application Amount | $109,548 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $67,923 |
| Highest Applicant Income | $8,524,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro, TN | 291 | $ 33,317,000 | $ 114,491 | $ 71,000 |
| Knoxville, TN | 130 | $ 16,631,000 | $ 127,930 | $ 73,000 |
| Morristown, TN | 120 | $ 13,003,000 | $ 108,358 | $ 66,000 |
| Louisville, KY-IN | 113 | $ 14,062,000 | $ 124,442 | $ 63,000 |
| Columbus, OH | 95 | $ 13,801,000 | $ 145,273 | $ 74,000 |
| Indianapolis, IN | 95 | $ 14,293,000 | $ 150,452 | $ 74,000 |
| Johnson City, TN | 80 | $ 9,316,000 | $ 116,450 | $ 67,000 |
| Canton-Massillon, OH | 76 | $ 9,906,000 | $ 130,342 | $ 74,000 |
| Dayton, OH | 74 | $ 11,216,000 | $ 151,567 | $ 82,000 |
| Memphis, TN-MS-AR | 69 | $ 8,590,000 | $ 124,492 | $ 69,000 |
| Cleveland-Elyria-Mentor, OH | 67 | $ 9,675,000 | $ 144,402 | $ 70,000 |
| Owensboro, KY | 60 | $ 6,134,000 | $ 102,233 | $ 66,000 |
| Kingsport-Bristol-Bristol, TN-VA | 58 | $ 6,733,000 | $ 116,086 | $ 64,000 |
| Fort Wayne, IN | 57 | $ 6,886,000 | $ 120,807 | $ 63,000 |
| Youngstown-Warren-Boardman, OH-PA | 47 | $ 5,557,000 | $ 118,234 | $ 67,000 |
| Elkhart-Goshen, IN | 40 | $ 5,175,000 | $ 129,375 | $ 52,000 |
| Bowling Green, KY | 39 | $ 3,839,000 | $ 98,435 | $ 52,000 |
| Cincinnati-Middletown, OH-KY-IN | 38 | $ 5,658,000 | $ 148,894 | $ 74,000 |
| Bloomington, IN | 37 | $ 4,392,000 | $ 118,702 | $ 60,000 |
| Jackson, TN | 36 | $ 3,729,000 | $ 103,583 | $ 64,000 |
| Mansfield, OH | 36 | $ 3,935,000 | $ 109,305 | $ 65,000 |
| Elizabethtown, KY | 34 | $ 3,306,000 | $ 97,235 | $ 58,000 |
| Lexington-Fayette, KY | 31 | $ 4,278,000 | $ 138,000 | $ 66,000 |
| South Bend-Mishawaka, IN-MI | 28 | $ 3,564,000 | $ 127,285 | $ 88,000 |
| Akron, OH | 25 | $ 3,616,000 | $ 144,640 | $ 68,000 |
| Lafayette, IN | 24 | $ 3,290,000 | $ 137,083 | $ 61,000 |
| Clarksville, TN-KY | 21 | $ 2,838,000 | $ 135,142 | $ 66,000 |
| Kokomo, IN | 19 | $ 3,231,000 | $ 170,052 | $ 74,000 |
| Springfield, OH | 18 | $ 2,577,000 | $ 143,166 | $ 55,000 |
| Michigan City-La Porte, IN | 17 | $ 2,101,000 | $ 123,588 | $ 59,000 |
| Cleveland, TN | 14 | $ 1,559,000 | $ 111,357 | $ 80,000 |
| Muncie, IN | 14 | $ 1,484,000 | $ 106,000 | $ 64,000 |
| Chattanooga, TN-GA | 13 | $ 2,432,000 | $ 187,076 | $ 156,000 |
| Evansville, IN-KY | 11 | $ 1,697,000 | $ 154,272 | $ 71,000 |
| Toledo, OH | 10 | $ 1,238,000 | $ 123,800 | $ 63,000 |
| Columbus, IN | 9 | $ 831,000 | $ 92,333 | $ 52,000 |
| Anderson, IN | 8 | $ 1,227,000 | $ 153,375 | $ 89,000 |
| Terre Haute, IN | 8 | $ 715,000 | $ 89,375 | $ 52,000 |
| Lima, OH | 6 | $ 700,000 | $ 116,666 | $ 64,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,800 | $449,325,000 | $136,125 | $1,165,000 | $637,875 | $8,524,000 |
| Refinancing | 1,459 | $155,859,000 | $105,200 | $729,000 | $79,400 | $2,133,000 |
| Home Improvement | 816 | $60,325,000 | $76,000 | $433,000 | $54,200 | $850,000 |
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 | 5,509 | $601,202,000 | $108,500 | $1,165,000 | $119,875 | $2,515,000 |
| Not Provided | 496 | $55,184,000 | $174,000 | $600,000 | $1,486,166 | $8,524,000 |
| Black or African American | 27 | $3,315,000 | $135,666 | $300,000 | $74,000 | $721,000 |
| Hispanic | 26 | $3,774,000 | $155,500 | $384,000 | $69,250 | $172,000 |
| Asian | 9 | $1,153,000 | $145,500 | $320,000 | $73,000 | $95,000 |
| American Indian or Alaskan Native | 5 | $481,000 | $106,000 | $151,000 | $69,000 | $125,000 |
| Not applicable | 3 | $400,000 | $144,500 | $179,000 | $201,000 | $743,000 |
| 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) | 6,075 | $665,509,000 | $136,375 | $1,165,000 | $634,250 | $8,524,000 |
| 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 | 3,450 | $381,997,000 | $185,571 | $729,000 | $1,313,142 | $8,524,000 |
| Application Denied By Financial Institution | 1,218 | $120,577,000 | $92,333 | $1,165,000 | $48,000 | $578,000 |
| File Closed For Incompleteness | 658 | $74,264,000 | $111,250 | $440,000 | $63,750 | $387,000 |
| Application Withdrawn By Applicant | 427 | $48,487,000 | $99,333 | $575,000 | $114,833 | $333,000 |
| Application Approved But Not Accepted | 322 | $40,184,000 | $121,250 | $892,000 | $69,250 | $582,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca'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 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.
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