Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2006
In 2006, Farm Credit Mid-America, Aca of Louisville, KY reported 8,054 mortgage applications totaling $1.0 billion, down 4% from 2005. The average application was for $126,185, and applicants reported an average income of $84,749. 60% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Nashville-Davidson--Murfreesboro, TN (432), Louisville-Jefferson County, KY-IN (198) and Indianapolis-Carmel, IN (191) (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 | 8,054 |
| Total Mortgage Loan Application Amount | $1,016,294,000 |
| Average Mortgage Loan Application Amount | $126,185 |
| Highest Mortgage Loan Application Amount | $2,116,000 |
| Average Applicant Income | $84,749 |
| Highest Applicant Income | $5,713,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 432 | $ 58,681,000 | $ 135,835 | $ 89,000 |
| Louisville-Jefferson County, KY-IN | 198 | $ 28,118,000 | $ 142,010 | $ 120,232 |
| Indianapolis-Carmel, IN | 191 | $ 28,919,000 | $ 151,408 | $ 111,000 |
| Columbus, OH | 183 | $ 31,234,000 | $ 170,677 | $ 105,000 |
| Knoxville, TN | 168 | $ 18,912,000 | $ 112,571 | $ 74,000 |
| Cincinnati-Middletown, OH-KY-IN | 167 | $ 25,464,000 | $ 152,479 | $ 95,760 |
| Morristown, TN | 126 | $ 12,758,000 | $ 101,253 | $ 74,000 |
| Canton-Massillon, OH | 111 | $ 14,085,000 | $ 126,891 | $ 83,000 |
| Memphis, TN-MS-AR | 92 | $ 14,925,000 | $ 162,228 | $ 93,000 |
| Youngstown-Warren-Boardman, OH-PA | 91 | $ 11,494,000 | $ 126,307 | $ 78,000 |
| Cleveland-Elyria-Mentor, OH | 85 | $ 11,814,000 | $ 138,988 | $ 89,000 |
| Johnson City, TN | 78 | $ 10,639,000 | $ 136,397 | $ 72,000 |
| Dayton, OH | 77 | $ 11,589,000 | $ 150,506 | $ 96,000 |
| Fort Wayne, IN | 75 | $ 8,842,000 | $ 117,893 | $ 81,000 |
| Clarksville, TN-KY | 68 | $ 9,374,000 | $ 137,852 | $ 76,294 |
| Kingsport-Bristol-Bristol, TN-VA | 67 | $ 8,797,000 | $ 131,298 | $ 72,000 |
| Lexington-Fayette, KY | 67 | $ 14,061,000 | $ 209,865 | $ 177,000 |
| Bloomington, IN | 66 | $ 6,640,000 | $ 100,606 | $ 67,000 |
| Gary, IN | 66 | $ 8,963,000 | $ 135,803 | $ 88,000 |
| Elkhart-Goshen, IN | 62 | $ 10,367,000 | $ 167,209 | $ 85,000 |
| Jackson, TN | 58 | $ 6,744,000 | $ 116,275 | $ 106,000 |
| Owensboro, KY | 54 | $ 6,934,000 | $ 128,407 | $ 81,000 |
| Evansville, IN-KY | 50 | $ 7,212,000 | $ 144,240 | $ 145,800 |
| Terre Haute, IN | 46 | $ 4,627,000 | $ 100,586 | $ 64,000 |
| Akron, OH | 45 | $ 7,129,000 | $ 158,422 | $ 67,000 |
| Chattanooga, TN-GA | 45 | $ 5,289,000 | $ 117,533 | $ 90,000 |
| South Bend-Mishawaka, IN-MI | 42 | $ 4,480,000 | $ 106,666 | $ 95,000 |
| Bowling Green, KY | 35 | $ 4,237,000 | $ 121,057 | $ 81,000 |
| Mansfield, OH | 34 | $ 3,578,000 | $ 105,235 | $ 74,000 |
| Michigan City-La Porte, IN | 32 | $ 5,724,000 | $ 178,875 | $ 115,000 |
| Lafayette, IN | 31 | $ 4,920,000 | $ 158,709 | $ 157,000 |
| Kokomo, IN | 30 | $ 4,607,000 | $ 153,566 | $ 89,000 |
| Elizabethtown, KY | 28 | $ 3,314,000 | $ 118,357 | $ 59,000 |
| Toledo, OH | 26 | $ 3,399,000 | $ 130,730 | $ 88,000 |
| Springfield, OH | 25 | $ 3,043,000 | $ 121,720 | $ 84,000 |
| Huntington-Ashland, WV-KY-OH | 23 | $ 2,147,000 | $ 93,347 | $ 53,521 |
| Muncie, IN | 23 | $ 2,945,000 | $ 128,043 | $ 111,000 |
| Cleveland, TN | 21 | $ 4,257,000 | $ 202,714 | $ 74,000 |
| Columbus, IN | 21 | $ 3,945,000 | $ 187,857 | $ 130,000 |
| Anderson, IN | 12 | $ 2,157,000 | $ 179,750 | $ 97,000 |
| Lima, OH | 12 | $ 1,718,000 | $ 143,166 | $ 76,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 1,144,000 | $ 127,111 | $ 156,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 905,000 | $ 113,125 | $ 48,000 |
| Wheeling, WV-OH | 6 | $ 677,000 | $ 112,833 | $ 36,000 |
| Sandusky, OH | 3 | $ 428,000 | $ 142,666 | $ 76,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2006
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 | 4,533 | $567,058,000 | $125,000 | $1,253,000 | $82,000 | $5,713,000 |
| Refinancing | 2,588 | $380,056,000 | $146,000 | $2,116,000 | $92,000 | $2,449,000 |
| Home Improvement | 933 | $69,180,000 | $74,000 | $550,000 | $78,000 | $1,454,000 |
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 | 5,556 | $722,319,000 | $130,000 | $2,116,000 | $88,000 | $5,713,000 |
| Not Provided | 2,178 | $259,596,000 | $119,000 | $1,334,000 | $77,000 | $1,868,000 |
| American Indian or Alaskan Native | 227 | $21,346,000 | $94,000 | $462,000 | $70,000 | $800,000 |
| Hispanic | 54 | $5,798,000 | $107,000 | $372,000 | $60,000 | $132,000 |
| Black or African American | 23 | $2,734,000 | $118,000 | $450,000 | $77,000 | $401,000 |
| Not applicable | 9 | $3,406,000 | $378,000 | $1,190,000 | $383,000 | $1,409,000 |
| Asian | 7 | $1,095,000 | $156,000 | $480,000 | $60,000 | $103,000 |
| 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) | 8,054 | $1,016,294,000 | $126,000 | $2,116,000 | $85,000 | $5,713,000 |
| 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 | 4,812 | $600,065,000 | $124,000 | $2,000,000 | $97,000 | $5,713,000 |
| Application Denied By Financial Institution | 1,678 | $212,389,000 | $126,000 | $2,116,000 | $60,000 | $2,233,000 |
| Application Withdrawn By Applicant | 853 | $113,109,000 | $132,000 | $1,253,000 | $71,000 | $857,000 |
| Application Approved But Not Accepted | 514 | $66,156,000 | $128,000 | $1,892,000 | $75,000 | $1,260,000 |
| File Closed For Incompleteness | 197 | $24,575,000 | $124,000 | $332,000 | $71,000 | $494,000 |
| 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 2006 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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