Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2008
In 2008, Farm Credit Mid-America, Aca of Louisville, KY reported 8,947 mortgage applications totaling $1.3 billion, about the same as 2007. The average application was for $148,265, and applicants reported an average income of $112,854. 55% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (564), Knoxville, TN (255) and Louisville-Jefferson County, KY-IN (218) (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 | 8,947 |
| Total Mortgage Loan Application Amount | $1,326,535,000 |
| Average Mortgage Loan Application Amount | $148,265 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $112,854 |
| Highest Applicant Income | $8,890,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 564 | $ 92,620,000 | $ 164,219 | $ 116,000 |
| Knoxville, TN | 255 | $ 38,948,000 | $ 152,737 | $ 92,000 |
| Louisville-Jefferson County, KY-IN | 218 | $ 32,202,000 | $ 147,715 | $ 106,183 |
| Cincinnati-Middletown, OH-KY-IN | 208 | $ 35,566,000 | $ 170,990 | $ 89,894 |
| Indianapolis-Carmel, IN | 181 | $ 33,080,000 | $ 182,762 | $ 205,000 |
| Columbus, OH | 178 | $ 32,426,000 | $ 182,168 | $ 113,000 |
| Morristown, TN | 153 | $ 19,846,000 | $ 129,712 | $ 86,000 |
| Canton-Massillon, OH | 130 | $ 20,349,000 | $ 156,530 | $ 106,000 |
| Johnson City, TN | 120 | $ 17,729,000 | $ 147,741 | $ 93,000 |
| Cleveland-Elyria-Mentor, OH | 113 | $ 17,571,000 | $ 155,495 | $ 67,000 |
| Youngstown-Warren-Boardman, OH-PA | 104 | $ 16,760,000 | $ 161,153 | $ 84,000 |
| Fort Wayne, IN | 97 | $ 14,061,000 | $ 144,958 | $ 137,000 |
| Memphis, TN-MS-AR | 91 | $ 19,311,000 | $ 212,208 | $ 140,000 |
| Dayton, OH | 86 | $ 16,128,000 | $ 187,534 | $ 146,000 |
| Lexington-Fayette, KY | 83 | $ 23,063,000 | $ 277,867 | $ 162,000 |
| Clarksville, TN-KY | 80 | $ 10,917,000 | $ 136,462 | $ 98,800 |
| Chattanooga, TN-GA | 74 | $ 11,896,000 | $ 160,756 | $ 99,000 |
| Elkhart-Goshen, IN | 71 | $ 15,290,000 | $ 215,352 | $ 74,000 |
| Kingsport-Bristol-Bristol, TN-VA | 70 | $ 10,696,000 | $ 152,800 | $ 83,000 |
| Jackson, TN | 63 | $ 6,915,000 | $ 109,761 | $ 116,000 |
| Elizabethtown, KY | 61 | $ 7,856,000 | $ 128,786 | $ 99,000 |
| Bowling Green, KY | 54 | $ 9,018,000 | $ 167,000 | $ 132,000 |
| Gary, IN | 54 | $ 10,357,000 | $ 191,796 | $ 216,000 |
| South Bend-Mishawaka, IN-MI | 50 | $ 8,274,000 | $ 165,480 | $ 136,000 |
| Owensboro, KY | 48 | $ 6,476,000 | $ 134,916 | $ 96,000 |
| Terre Haute, IN | 47 | $ 6,018,000 | $ 128,042 | $ 80,000 |
| Evansville, IN-KY | 45 | $ 7,524,000 | $ 167,200 | $ 173,022 |
| Lafayette, IN | 42 | $ 6,039,000 | $ 143,785 | $ 106,000 |
| Mansfield, OH | 39 | $ 5,981,000 | $ 153,358 | $ 108,000 |
| Bloomington, IN | 38 | $ 6,086,000 | $ 160,157 | $ 92,000 |
| Cleveland, TN | 38 | $ 6,165,000 | $ 162,236 | $ 113,000 |
| Toledo, OH | 35 | $ 5,681,000 | $ 162,314 | $ 100,000 |
| Akron, OH | 33 | $ 7,107,000 | $ 215,363 | $ 179,000 |
| Huntington-Ashland, WV-KY-OH | 32 | $ 3,911,000 | $ 122,218 | $ 326,687 |
| Michigan City-La Porte, IN | 31 | $ 4,148,000 | $ 133,806 | $ 122,000 |
| Columbus, IN | 24 | $ 5,213,000 | $ 217,208 | $ 119,000 |
| Springfield, OH | 24 | $ 3,169,000 | $ 132,041 | $ 101,000 |
| Kokomo, IN | 19 | $ 3,483,000 | $ 183,315 | $ 143,000 |
| Lima, OH | 19 | $ 6,569,000 | $ 345,736 | $ 503,000 |
| Wheeling, WV-OH | 19 | $ 2,517,000 | $ 132,473 | $ 81,000 |
| Anderson, IN | 16 | $ 2,508,000 | $ 156,750 | $ 150,000 |
| Weirton-Steubenville, WV-OH | 14 | $ 1,899,000 | $ 135,642 | $ 69,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 11 | $ 1,286,000 | $ 116,909 | $ 55,000 |
| Muncie, IN | 8 | $ 1,056,000 | $ 132,000 | $ 264,000 |
| Sandusky, OH | 8 | $ 1,409,000 | $ 176,125 | $ 206,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2008
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 | 4,363 | $583,364,000 | $133,000 | $2,060,000 | $98,000 | $3,937,000 |
| Refinancing | 3,601 | $652,917,000 | $181,000 | $6,000,000 | $136,000 | $8,890,000 |
| Home Improvement | 983 | $90,254,000 | $91,000 | $865,000 | $94,000 | $6,353,000 |
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 | 7,565 | $1,143,248,000 | $151,000 | $6,000,000 | $111,000 | $8,890,000 |
| Not Provided | 990 | $128,290,000 | $129,000 | $2,060,000 | $114,000 | $3,937,000 |
| American Indian or Alaskan Native | 300 | $37,536,000 | $125,000 | $861,000 | $144,000 | $1,563,000 |
| Hispanic | 39 | $4,944,000 | $126,000 | $566,000 | $80,000 | $290,000 |
| Black or African American | 33 | $4,656,000 | $141,000 | $750,000 | $77,000 | $381,000 |
| Asian | 11 | $1,534,000 | $139,000 | $293,000 | $154,000 | $364,000 |
| Not applicable | 7 | $6,065,000 | $866,000 | $2,510,000 | $954,000 | $2,674,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $262,000 | $131,000 | $137,000 | $57,000 | $77,000 |
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) | 8,947 | $1,326,535,000 | $148,000 | $6,000,000 | $113,000 | $8,890,000 |
| 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 | 4,927 | $759,131,000 | $154,000 | $6,000,000 | $142,000 | $7,412,000 |
| Application Denied By Financial Institution | 1,993 | $286,738,000 | $143,000 | $1,801,000 | $70,000 | $8,890,000 |
| Application Withdrawn By Applicant | 1,213 | $169,174,000 | $139,000 | $3,250,000 | $81,000 | $2,400,000 |
| Application Approved But Not Accepted | 806 | $109,365,000 | $135,000 | $1,700,000 | $85,000 | $801,000 |
| File Closed For Incompleteness | 8 | $2,127,000 | $265,000 | $1,350,000 | $143,000 | $430,000 |
| 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 2008 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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