Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2010
In 2010, Farm Credit Mid-America, Aca of Louisville, KY reported 7,372 mortgage applications totaling $1.2 billion, down 20% from 2009. The average application was for $158,589, and applicants reported an average income of $153,033. 64% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (338), Louisville-Jefferson County, KY-IN (206) and Indianapolis-Carmel, IN (199) (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 | 7,372 |
| Total Mortgage Loan Application Amount | $1,169,124,000 |
| Average Mortgage Loan Application Amount | $158,589 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $153,033 |
| Highest Applicant Income | $9,511,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 338 | $ 66,073,000 | $ 195,482 | $ 165,000 |
| Louisville-Jefferson County, KY-IN | 206 | $ 44,161,000 | $ 214,373 | $ 232,631 |
| Indianapolis-Carmel, IN | 199 | $ 32,947,000 | $ 165,562 | $ 150,000 |
| Cincinnati-Middletown, OH-KY-IN | 195 | $ 37,084,000 | $ 190,174 | $ 132,461 |
| Columbus, OH | 154 | $ 33,047,000 | $ 214,590 | $ 155,000 |
| Knoxville, TN | 132 | $ 23,014,000 | $ 174,348 | $ 157,000 |
| Dayton, OH | 115 | $ 19,986,000 | $ 173,791 | $ 151,000 |
| Cleveland-Elyria-Mentor, OH | 109 | $ 21,380,000 | $ 196,146 | $ 143,000 |
| Johnson City, TN | 96 | $ 12,778,000 | $ 133,104 | $ 93,000 |
| Canton-Massillon, OH | 72 | $ 10,134,000 | $ 140,750 | $ 144,000 |
| Lexington-Fayette, KY | 72 | $ 28,180,000 | $ 391,388 | $ 469,000 |
| Morristown, TN | 68 | $ 10,618,000 | $ 156,147 | $ 109,000 |
| Memphis, TN-MS-AR | 67 | $ 12,230,000 | $ 182,537 | $ 219,000 |
| Fort Wayne, IN | 64 | $ 11,162,000 | $ 174,406 | $ 162,000 |
| Bowling Green, KY | 57 | $ 9,437,000 | $ 165,561 | $ 102,000 |
| Kingsport-Bristol-Bristol, TN-VA | 54 | $ 8,206,000 | $ 151,962 | $ 89,000 |
| Clarksville, TN-KY | 50 | $ 8,839,000 | $ 176,780 | $ 106,400 |
| Elizabethtown, KY | 48 | $ 8,249,000 | $ 171,854 | $ 96,000 |
| South Bend-Mishawaka, IN-MI | 46 | $ 6,242,000 | $ 135,695 | $ 167,000 |
| Evansville, IN-KY | 43 | $ 7,190,000 | $ 167,209 | $ 259,767 |
| Youngstown-Warren-Boardman, OH-PA | 43 | $ 6,079,000 | $ 141,372 | $ 299,000 |
| Gary, IN | 41 | $ 6,851,000 | $ 167,097 | $ 191,000 |
| Jackson, TN | 40 | $ 5,725,000 | $ 143,125 | $ 246,000 |
| Lafayette, IN | 39 | $ 6,844,000 | $ 175,487 | $ 313,000 |
| Owensboro, KY | 36 | $ 6,590,000 | $ 183,055 | $ 181,000 |
| Mansfield, OH | 31 | $ 4,906,000 | $ 158,258 | $ 126,000 |
| Elkhart-Goshen, IN | 30 | $ 6,425,000 | $ 214,166 | $ 70,000 |
| Springfield, OH | 29 | $ 3,444,000 | $ 118,758 | $ 135,000 |
| Akron, OH | 27 | $ 3,641,000 | $ 134,851 | $ 131,000 |
| Bloomington, IN | 27 | $ 5,199,000 | $ 192,555 | $ 81,000 |
| Columbus, IN | 27 | $ 4,213,000 | $ 156,037 | $ 165,000 |
| Chattanooga, TN-GA | 26 | $ 5,374,000 | $ 206,692 | $ 102,807 |
| Michigan City-La Porte, IN | 25 | $ 3,635,000 | $ 145,400 | $ 73,000 |
| Kokomo, IN | 24 | $ 3,552,000 | $ 148,000 | $ 302,000 |
| Cleveland, TN | 22 | $ 5,249,000 | $ 238,590 | $ 119,000 |
| Lima, OH | 22 | $ 3,355,000 | $ 152,500 | $ 190,000 |
| Terre Haute, IN | 21 | $ 3,223,000 | $ 153,476 | $ 92,000 |
| Wheeling, WV-OH | 18 | $ 2,635,000 | $ 146,388 | $ 122,000 |
| Toledo, OH | 17 | $ 3,071,000 | $ 180,647 | $ 222,000 |
| Muncie, IN | 11 | $ 1,602,000 | $ 145,636 | $ 165,000 |
| Anderson, IN | 10 | $ 1,354,000 | $ 135,400 | $ 390,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 2,254,000 | $ 250,444 | $ 253,000 |
| Huntington-Ashland, WV-KY-OH | 7 | $ 1,465,000 | $ 209,285 | $ 173,142 |
| Sandusky, OH | 4 | $ 902,000 | $ 225,500 | $ 37,000 |
| Steubenville-Weirton, OH-WV | 4 | $ 618,000 | $ 154,500 | $ 100,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 187,000 | $ 93,500 | $ 214,000 |
| Asheville, NC | 1 | $ 555,000 | $ 555,000 | $ 1,079,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 60,000 | $ 60,000 | $ 90,000 |
| Huntsville, AL | 1 | $ 154,000 | $ 154,000 | $ 86,000 |
| Lancaster, PA | 1 | $ 160,000 | $ 160,000 | $ 65,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 301,000 | $ 301,000 | $ 170,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 140,000 | $ 140,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2010
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 | 3,453 | $665,998,000 | $192,000 | $4,500,000 | $173,000 | $9,511,000 |
| Home Purchase | 3,390 | $451,590,000 | $133,000 | $1,737,000 | $143,000 | $8,967,000 |
| Home Improvement | 529 | $51,536,000 | $97,000 | $587,000 | $87,000 | $1,496,000 |
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 | 5,262 | $880,191,000 | $167,000 | $4,500,000 | $117,000 | $6,603,000 |
| American Indian or Alaskan Native | 1,285 | $144,235,000 | $112,000 | $507,000 | $245,000 | $8,967,000 |
| Not Provided | 757 | $125,546,000 | $165,000 | $1,811,000 | $228,000 | $9,511,000 |
| Not applicable | 27 | $10,810,000 | $400,000 | $1,713,000 | $629,000 | $7,058,000 |
| Hispanic | 22 | $3,628,000 | $164,000 | $408,000 | $76,000 | $185,000 |
| Black or African American | 13 | $2,058,000 | $158,000 | $453,000 | $78,000 | $430,000 |
| Asian | 4 | $2,378,000 | $594,000 | $1,068,000 | $284,000 | $656,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $278,000 | $139,000 | $139,000 | $101,000 | $144,000 |
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) | 7,372 | $1,169,124,000 | $158,000 | $4,500,000 | $153,000 | $9,511,000 |
| 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 | 4,749 | $733,498,000 | $154,000 | $2,393,000 | $194,000 | $8,967,000 |
| Application Denied By Financial Institution | 1,711 | $293,235,000 | $171,000 | $4,500,000 | $72,000 | $9,511,000 |
| Application Withdrawn By Applicant | 821 | $127,962,000 | $155,000 | $3,300,000 | $86,000 | $2,103,000 |
| Application Approved But Not Accepted | 90 | $14,045,000 | $156,000 | $1,504,000 | $152,000 | $1,896,000 |
| File Closed For Incompleteness | 1 | $384,000 | $384,000 | $384,000 | $0 | $0 |
| 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 2010 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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