Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2009
In 2009, Farm Credit Mid-America, Aca of Louisville, KY reported 9,257 mortgage applications totaling $1.4 billion, up 3% from 2008. The average application was for $148,018, and applicants reported an average income of $144,855. 57% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (424), Indianapolis-Carmel, IN (268) and Louisville-Jefferson County, KY-IN (255) (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 | 9,257 |
| Total Mortgage Loan Application Amount | $1,370,210,000 |
| Average Mortgage Loan Application Amount | $148,018 |
| Highest Mortgage Loan Application Amount | $10,500,000 |
| Average Applicant Income | $144,855 |
| Highest Applicant Income | $9,897,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 424 | $ 79,510,000 | $ 187,523 | $ 150,000 |
| Indianapolis-Carmel, IN | 268 | $ 48,540,000 | $ 181,119 | $ 194,000 |
| Louisville-Jefferson County, KY-IN | 255 | $ 41,078,000 | $ 161,090 | $ 121,823 |
| Knoxville, TN | 195 | $ 33,680,000 | $ 172,717 | $ 127,000 |
| Columbus, OH | 188 | $ 37,284,000 | $ 198,319 | $ 190,000 |
| Cincinnati-Middletown, OH-KY-IN | 180 | $ 30,000,000 | $ 166,666 | $ 114,172 |
| Canton-Massillon, OH | 132 | $ 15,768,000 | $ 119,454 | $ 148,000 |
| Cleveland-Elyria-Mentor, OH | 128 | $ 20,689,000 | $ 161,632 | $ 140,000 |
| Johnson City, TN | 108 | $ 15,395,000 | $ 142,546 | $ 102,000 |
| Dayton, OH | 105 | $ 18,013,000 | $ 171,552 | $ 313,000 |
| Memphis, TN-MS-AR | 105 | $ 19,343,000 | $ 184,219 | $ 232,609 |
| Morristown, TN | 94 | $ 13,761,000 | $ 146,393 | $ 127,000 |
| Lexington-Fayette, KY | 92 | $ 21,082,000 | $ 229,152 | $ 213,000 |
| Fort Wayne, IN | 83 | $ 11,288,000 | $ 136,000 | $ 217,000 |
| Clarksville, TN-KY | 74 | $ 23,466,000 | $ 317,108 | $ 188,662 |
| Kingsport-Bristol-Bristol, TN-VA | 60 | $ 9,916,000 | $ 165,266 | $ 128,000 |
| Bowling Green, KY | 59 | $ 9,353,000 | $ 158,525 | $ 156,000 |
| Owensboro, KY | 57 | $ 8,337,000 | $ 146,263 | $ 148,000 |
| Youngstown-Warren-Boardman, OH-PA | 56 | $ 7,516,000 | $ 134,214 | $ 185,000 |
| Chattanooga, TN-GA | 52 | $ 12,320,000 | $ 236,923 | $ 210,346 |
| Gary, IN | 51 | $ 8,766,000 | $ 171,882 | $ 228,000 |
| Toledo, OH | 51 | $ 8,972,000 | $ 175,921 | $ 311,000 |
| Elizabethtown, KY | 50 | $ 8,608,000 | $ 172,160 | $ 164,000 |
| Evansville, IN-KY | 48 | $ 7,418,000 | $ 154,541 | $ 173,312 |
| Jackson, TN | 48 | $ 5,129,000 | $ 106,854 | $ 123,000 |
| Cleveland, TN | 41 | $ 7,948,000 | $ 193,853 | $ 186,000 |
| Kokomo, IN | 41 | $ 3,875,000 | $ 94,512 | $ 269,000 |
| Lafayette, IN | 41 | $ 6,211,000 | $ 151,487 | $ 361,000 |
| Akron, OH | 40 | $ 5,756,000 | $ 143,900 | $ 95,000 |
| Elkhart-Goshen, IN | 37 | $ 5,660,000 | $ 152,972 | $ 60,000 |
| Mansfield, OH | 35 | $ 4,165,000 | $ 119,000 | $ 116,000 |
| Springfield, OH | 32 | $ 6,823,000 | $ 213,218 | $ 753,000 |
| South Bend-Mishawaka, IN-MI | 31 | $ 4,608,000 | $ 148,645 | $ 101,000 |
| Columbus, IN | 30 | $ 3,706,000 | $ 123,533 | $ 184,000 |
| Huntington-Ashland, WV-KY-OH | 30 | $ 2,563,000 | $ 85,433 | $ 73,666 |
| Bloomington, IN | 27 | $ 3,704,000 | $ 137,185 | $ 89,000 |
| Michigan City-La Porte, IN | 26 | $ 3,054,000 | $ 117,461 | $ 305,000 |
| Lima, OH | 25 | $ 4,721,000 | $ 188,840 | $ 479,000 |
| Anderson, IN | 18 | $ 2,103,000 | $ 116,833 | $ 166,000 |
| Muncie, IN | 18 | $ 3,008,000 | $ 167,111 | $ 230,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 18 | $ 2,740,000 | $ 152,222 | $ 136,000 |
| Wheeling, WV-OH | 18 | $ 2,544,000 | $ 141,333 | $ 65,000 |
| Terre Haute, IN | 17 | $ 2,364,000 | $ 139,058 | $ 118,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 730,000 | $ 91,250 | $ 69,000 |
| Huntsville, AL | 4 | $ 604,000 | $ 151,000 | $ 173,000 |
| Sandusky, OH | 4 | $ 869,000 | $ 217,250 | $ 242,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 371,000 | $ 92,750 | $ 122,250 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 301,000 | $ 100,333 | $ 88,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 378,000 | $ 189,000 | $ 134,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 197,000 | $ 98,500 | $ 133,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 294,000 | $ 147,000 | $ 741,000 |
| Danville, IL | 2 | $ 103,000 | $ 51,500 | $ 105,000 |
| Lakeland-Winter Haven, FL | 2 | $ 271,000 | $ 135,500 | $ 82,000 |
| Port St. Lucie, FL | 2 | $ 64,000 | $ 32,000 | $ 59,000 |
| Asheville, NC | 1 | $ 72,000 | $ 72,000 | $ 140,000 |
| Bethesda-Frederick-Rockville, MD | 1 | $ 318,000 | $ 318,000 | $ 264,000 |
| Birmingham-Hoover, AL | 1 | $ 197,000 | $ 197,000 | $ 729,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 51,000 | $ 51,000 | $ 107,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 248,000 | $ 248,000 | $ 137,000 |
| Decatur, AL | 1 | $ 140,000 | $ 140,000 | $ 295,000 |
| Denver-Aurora-Broomfield, CO | 1 | $ 121,000 | $ 121,000 | $ 43,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 22,000 | $ 22,000 | $ 51,000 |
| Jackson, MI | 1 | $ 217,000 | $ 217,000 | $ 467,000 |
| Jackson, MS | 1 | $ 27,000 | $ 27,000 | $ 46,000 |
| Jacksonville, FL | 1 | $ 22,000 | $ 22,000 | $ 131,000 |
| Kalamazoo-Portage, MI | 1 | $ 38,000 | $ 38,000 | $ 170,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 52,000 | $ 52,000 | $ 79,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 200,000 | $ 200,000 | $ 218,000 |
| Naples-Marco Island, FL | 1 | $ 500,000 | $ 500,000 | $ 153,000 |
| Nassau-Suffolk, NY | 1 | $ 33,000 | $ 33,000 | $ 36,000 |
| Orlando-Kissimmee, FL | 1 | $ 287,000 | $ 287,000 | $ 1,215,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 59,000 | $ 59,000 | $ 32,000 |
| Raleigh-Cary, NC | 1 | $ 254,000 | $ 254,000 | $ 244,000 |
| Richmond, VA | 1 | $ 64,000 | $ 64,000 | $ 121,000 |
| Roanoke, VA | 1 | $ 74,000 | $ 74,000 | $ 81,000 |
| Savannah, GA | 1 | $ 256,000 | $ 256,000 | $ 151,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 200,000 | $ 200,000 | $ 348,000 |
| St. Joseph, MO-KS | 1 | $ 125,000 | $ 125,000 | $ 116,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 94,000 | $ 94,000 | $ 361,000 |
| Yuma, AZ | 1 | $ 105,000 | $ 105,000 | $ 399,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,244 | $761,290,000 | $179,000 | $10,500,000 | $157,000 | $9,147,000 |
| Home Purchase | 4,213 | $538,284,000 | $127,000 | $2,357,000 | $140,000 | $9,897,000 |
| Home Improvement | 800 | $70,636,000 | $88,000 | $705,000 | $106,000 | $2,931,000 |
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 | 6,642 | $1,012,294,000 | $152,000 | $3,000,000 | $120,000 | $9,897,000 |
| American Indian or Alaskan Native | 1,429 | $165,842,000 | $116,000 | $627,000 | $234,000 | $4,088,000 |
| Not Provided | 1,120 | $166,568,000 | $148,000 | $1,723,000 | $171,000 | $5,106,000 |
| Hispanic | 26 | $3,262,000 | $125,000 | $336,000 | $64,000 | $278,000 |
| Black or African American | 20 | $2,680,000 | $134,000 | $494,000 | $74,000 | $323,000 |
| Not applicable | 12 | $15,906,000 | $1,325,000 | $10,500,000 | $848,000 | $5,202,000 |
| Asian | 7 | $3,333,000 | $476,000 | $2,246,000 | $315,000 | $1,170,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $325,000 | $325,000 | $325,000 | $275,000 | $275,000 |
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) | 9,257 | $1,370,210,000 | $148,000 | $10,500,000 | $145,000 | $9,897,000 |
| 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 | 5,286 | $784,896,000 | $148,000 | $10,500,000 | $185,000 | $9,897,000 |
| Application Denied By Financial Institution | 2,087 | $324,816,000 | $155,000 | $2,357,000 | $74,000 | $4,697,000 |
| Application Withdrawn By Applicant | 1,093 | $156,844,000 | $143,000 | $1,723,000 | $103,000 | $5,106,000 |
| Application Approved But Not Accepted | 786 | $102,691,000 | $130,000 | $1,680,000 | $122,000 | $2,931,000 |
| File Closed For Incompleteness | 5 | $963,000 | $192,000 | $247,000 | $32,000 | $111,000 |
| 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 2009 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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