Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2007
In 2007, Farm Credit Mid-America, Aca of Louisville, KY reported 8,921 mortgage applications totaling $1.2 billion, up 11% from 2006. The average application was for $130,509, and applicants reported an average income of $95,203. 60% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (608), Knoxville, TN (231) and Louisville-Jefferson County, KY-IN (207) (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 | 8,921 |
| Total Mortgage Loan Application Amount | $1,164,278,000 |
| Average Mortgage Loan Application Amount | $130,509 |
| Highest Mortgage Loan Application Amount | $4,011,000 |
| Average Applicant Income | $95,203 |
| Highest Applicant Income | $5,553,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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--Franklin, TN | 608 | $ 83,335,000 | $ 137,064 | $ 93,000 |
| Knoxville, TN | 231 | $ 26,626,000 | $ 115,264 | $ 87,000 |
| Louisville-Jefferson County, KY-IN | 207 | $ 30,376,000 | $ 146,743 | $ 134,806 |
| Cincinnati-Middletown, OH-KY-IN | 202 | $ 28,913,000 | $ 143,133 | $ 106,183 |
| Columbus, OH | 189 | $ 34,336,000 | $ 181,671 | $ 114,000 |
| Indianapolis-Carmel, IN | 173 | $ 26,302,000 | $ 152,034 | $ 150,000 |
| Morristown, TN | 153 | $ 16,618,000 | $ 108,614 | $ 89,000 |
| Memphis, TN-MS-AR | 122 | $ 20,752,000 | $ 170,098 | $ 132,278 |
| Cleveland-Elyria-Mentor, OH | 120 | $ 16,293,000 | $ 135,775 | $ 84,000 |
| Johnson City, TN | 113 | $ 15,680,000 | $ 138,761 | $ 82,000 |
| Canton-Massillon, OH | 112 | $ 15,286,000 | $ 136,482 | $ 73,000 |
| Dayton, OH | 97 | $ 13,102,000 | $ 135,072 | $ 93,000 |
| Youngstown-Warren-Boardman, OH-PA | 91 | $ 11,598,000 | $ 127,450 | $ 70,000 |
| Fort Wayne, IN | 88 | $ 11,874,000 | $ 134,931 | $ 77,000 |
| Chattanooga, TN-GA | 84 | $ 15,254,000 | $ 181,595 | $ 116,357 |
| Jackson, TN | 81 | $ 7,186,000 | $ 88,716 | $ 82,000 |
| Lexington-Fayette, KY | 79 | $ 20,862,000 | $ 264,075 | $ 159,000 |
| Clarksville, TN-KY | 78 | $ 10,553,000 | $ 135,294 | $ 114,500 |
| Kingsport-Bristol-Bristol, TN-VA | 74 | $ 10,662,000 | $ 144,081 | $ 82,000 |
| Gary, IN | 71 | $ 9,369,000 | $ 131,957 | $ 148,000 |
| Owensboro, KY | 67 | $ 8,126,000 | $ 121,283 | $ 87,000 |
| Bowling Green, KY | 65 | $ 10,313,000 | $ 158,661 | $ 86,000 |
| Elkhart-Goshen, IN | 53 | $ 7,793,000 | $ 147,037 | $ 72,000 |
| Kokomo, IN | 47 | $ 7,293,000 | $ 155,170 | $ 121,000 |
| Elizabethtown, KY | 46 | $ 7,319,000 | $ 159,108 | $ 152,000 |
| Evansville, IN-KY | 44 | $ 6,076,000 | $ 138,090 | $ 112,090 |
| Akron, OH | 41 | $ 6,149,000 | $ 149,975 | $ 82,000 |
| Mansfield, OH | 41 | $ 5,210,000 | $ 127,073 | $ 130,000 |
| South Bend-Mishawaka, IN-MI | 41 | $ 6,031,000 | $ 147,097 | $ 116,000 |
| Terre Haute, IN | 41 | $ 4,925,000 | $ 120,121 | $ 89,000 |
| Huntington-Ashland, WV-KY-OH | 40 | $ 5,634,000 | $ 140,850 | $ 90,200 |
| Bloomington, IN | 37 | $ 4,995,000 | $ 135,000 | $ 91,000 |
| Cleveland, TN | 35 | $ 4,551,000 | $ 130,028 | $ 89,000 |
| Toledo, OH | 28 | $ 4,427,000 | $ 158,107 | $ 75,000 |
| Lafayette, IN | 27 | $ 3,551,000 | $ 131,518 | $ 418,000 |
| Springfield, OH | 27 | $ 4,889,000 | $ 181,074 | $ 153,000 |
| Michigan City-La Porte, IN | 25 | $ 4,050,000 | $ 162,000 | $ 88,000 |
| Muncie, IN | 18 | $ 2,726,000 | $ 151,444 | $ 81,000 |
| Weirton-Steubenville, WV-OH | 17 | $ 1,691,000 | $ 99,470 | $ 73,000 |
| Columbus, IN | 16 | $ 2,585,000 | $ 161,562 | $ 117,000 |
| Lima, OH | 16 | $ 2,127,000 | $ 132,937 | $ 95,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 14 | $ 1,495,000 | $ 106,785 | $ 57,000 |
| Wheeling, WV-OH | 13 | $ 1,691,000 | $ 130,076 | $ 70,000 |
| Anderson, IN | 6 | $ 947,000 | $ 157,833 | $ 101,000 |
| Sandusky, OH | 3 | $ 427,000 | $ 142,333 | $ 74,000 |
| Baton Rouge, LA | 2 | $ 60,000 | $ 30,000 | $ 92,000 |
| Columbia, SC | 1 | $ 90,000 | $ 90,000 | $ 111,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 104,000 | $ 104,000 | $ 206,000 |
| Huntsville, AL | 1 | $ 54,000 | $ 54,000 | $ 163,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 57,000 | $ 57,000 | $ 70,000 |
| Orlando-Kissimmee, FL | 1 | $ 40,000 | $ 40,000 | $ 80,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 140,000 | $ 140,000 | $ 91,000 |
| Pittsburgh, PA | 1 | $ 101,000 | $ 101,000 | $ 454,000 |
| Raleigh-Cary, NC | 1 | $ 102,000 | $ 102,000 | $ 468,000 |
| Rockford, IL | 1 | $ 267,000 | $ 267,000 | $ 98,000 |
| St. Louis, MO-IL | 1 | $ 250,000 | $ 250,000 | $ 61,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 120,000 | $ 120,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2007
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 | 4,829 | $605,947,000 | $125,000 | $2,017,000 | $89,000 | $3,811,000 |
| Refinancing | 3,032 | $475,884,000 | $156,000 | $4,011,000 | $109,000 | $5,553,000 |
| Home Improvement | 1,060 | $82,447,000 | $77,000 | $588,000 | $84,000 | $2,550,000 |
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 | 7,392 | $986,182,000 | $133,000 | $4,011,000 | $94,000 | $5,553,000 |
| Not Provided | 1,138 | $128,129,000 | $112,000 | $1,119,000 | $84,000 | $1,333,000 |
| American Indian or Alaskan Native | 287 | $30,959,000 | $107,000 | $378,000 | $121,000 | $2,550,000 |
| Hispanic | 44 | $5,679,000 | $129,000 | $301,000 | $74,000 | $166,000 |
| Black or African American | 37 | $4,337,000 | $117,000 | $301,000 | $88,000 | $736,000 |
| Asian | 15 | $4,511,000 | $300,000 | $1,590,000 | $109,000 | $425,000 |
| Not applicable | 8 | $4,481,000 | $560,000 | $1,446,000 | $1,352,000 | $2,475,000 |
| 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) | 8,921 | $1,164,278,000 | $130,000 | $4,011,000 | $95,000 | $5,553,000 |
| 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 | 5,388 | $720,413,000 | $133,000 | $4,011,000 | $113,000 | $5,553,000 |
| Application Denied By Financial Institution | 1,661 | $213,189,000 | $128,000 | $3,107,000 | $57,000 | $680,000 |
| Application Withdrawn By Applicant | 1,087 | $133,318,000 | $122,000 | $950,000 | $76,000 | $1,605,000 |
| Application Approved But Not Accepted | 782 | $97,100,000 | $124,000 | $760,000 | $79,000 | $851,000 |
| File Closed For Incompleteness | 3 | $258,000 | $86,000 | $149,000 | $44,000 | $60,000 |
| 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 2007 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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