Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2011
In 2011, Farm Credit Mid-America, Aca of Louisville, KY reported 6,270 mortgage applications totaling $1.0 billion, down 15% from 2010. The average application was for $159,584, and applicants reported an average income of $135,597. 67% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (330), Indianapolis-Carmel, IN (197) and Cincinnati-Middletown, OH-KY-IN (168) (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 | 6,270 |
| Total Mortgage Loan Application Amount | $1,000,593,000 |
| Average Mortgage Loan Application Amount | $159,584 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $135,597 |
| Highest Applicant Income | $5,730,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 330 | $ 61,837,000 | $ 187,384 | $ 134,000 |
| Indianapolis-Carmel, IN | 197 | $ 38,494,000 | $ 195,401 | $ 161,000 |
| Cincinnati-Middletown, OH-KY-IN | 168 | $ 31,436,000 | $ 187,119 | $ 120,404 |
| Columbus, OH | 163 | $ 30,231,000 | $ 185,466 | $ 206,000 |
| Louisville-Jefferson County, KY-IN | 162 | $ 32,472,000 | $ 200,444 | $ 130,166 |
| Elkhart-Goshen, IN | 110 | $ 19,292,000 | $ 175,381 | $ 68,000 |
| Knoxville, TN | 104 | $ 21,206,000 | $ 203,903 | $ 106,000 |
| Cleveland-Elyria-Mentor, OH | 97 | $ 16,908,000 | $ 174,309 | $ 151,000 |
| Dayton, OH | 97 | $ 15,343,000 | $ 158,175 | $ 137,000 |
| Clarksville, TN-KY | 77 | $ 13,165,000 | $ 170,974 | $ 155,402 |
| Johnson City, TN | 76 | $ 13,384,000 | $ 176,105 | $ 91,000 |
| Fort Wayne, IN | 70 | $ 10,229,000 | $ 146,128 | $ 157,000 |
| Memphis, TN-MS-AR | 66 | $ 12,638,000 | $ 191,484 | $ 258,000 |
| Elizabethtown, KY | 59 | $ 9,558,000 | $ 162,000 | $ 90,000 |
| Lexington-Fayette, KY | 57 | $ 17,263,000 | $ 302,859 | $ 126,000 |
| Canton-Massillon, OH | 53 | $ 6,849,000 | $ 129,226 | $ 99,000 |
| Bowling Green, KY | 51 | $ 8,181,000 | $ 160,411 | $ 137,000 |
| Owensboro, KY | 50 | $ 7,546,000 | $ 150,920 | $ 110,000 |
| Kingsport-Bristol-Bristol, TN-VA | 47 | $ 7,610,000 | $ 161,914 | $ 100,212 |
| Morristown, TN | 45 | $ 7,362,000 | $ 163,600 | $ 95,000 |
| Lafayette, IN | 43 | $ 6,691,000 | $ 155,604 | $ 223,000 |
| Gary, IN | 42 | $ 7,763,000 | $ 184,833 | $ 254,000 |
| Toledo, OH | 42 | $ 7,039,000 | $ 167,595 | $ 225,000 |
| Evansville, IN-KY | 40 | $ 5,678,000 | $ 141,950 | $ 154,450 |
| Youngstown-Warren-Boardman, OH-PA | 35 | $ 6,942,000 | $ 198,342 | $ 277,000 |
| Jackson, TN | 33 | $ 5,933,000 | $ 179,787 | $ 135,000 |
| Columbus, IN | 28 | $ 3,595,000 | $ 128,392 | $ 146,000 |
| Bloomington, IN | 27 | $ 3,969,000 | $ 147,000 | $ 171,000 |
| Lima, OH | 27 | $ 3,641,000 | $ 134,851 | $ 184,000 |
| Mansfield, OH | 26 | $ 2,837,000 | $ 109,115 | $ 203,000 |
| Michigan City-La Porte, IN | 26 | $ 4,128,000 | $ 158,769 | $ 218,000 |
| Springfield, OH | 24 | $ 5,121,000 | $ 213,375 | $ 186,000 |
| Chattanooga, TN-GA | 23 | $ 4,969,000 | $ 216,043 | $ 123,000 |
| Huntington-Ashland, WV-KY-OH | 22 | $ 2,903,000 | $ 131,954 | $ 63,636 |
| Terre Haute, IN | 20 | $ 3,020,000 | $ 151,000 | $ 131,000 |
| Akron, OH | 17 | $ 2,982,000 | $ 175,411 | $ 62,000 |
| Cleveland, TN | 17 | $ 2,552,000 | $ 150,117 | $ 143,000 |
| Kokomo, IN | 17 | $ 2,220,000 | $ 130,588 | $ 210,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 1,759,000 | $ 103,470 | $ 85,000 |
| Muncie, IN | 14 | $ 2,111,000 | $ 150,785 | $ 239,000 |
| Wheeling, WV-OH | 14 | $ 2,147,000 | $ 153,357 | $ 88,000 |
| Anderson, IN | 11 | $ 1,163,000 | $ 105,727 | $ 202,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 9 | $ 1,303,000 | $ 144,777 | $ 232,000 |
| Steubenville-Weirton, OH-WV | 6 | $ 894,000 | $ 149,000 | $ 102,000 |
| Sandusky, OH | 5 | $ 491,000 | $ 98,200 | $ 104,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 529,000 | $ 176,333 | $ 463,000 |
| Asheville, NC | 2 | $ 187,000 | $ 93,500 | $ 256,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 232,000 | $ 116,000 | $ 1,248,000 |
| Raleigh-Cary, NC | 2 | $ 221,000 | $ 110,500 | $ 209,000 |
| St. Louis, MO-IL | 2 | $ 462,000 | $ 231,000 | $ 147,000 |
| Ames, IA | 1 | $ 275,000 | $ 275,000 | $ 245,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 115,000 | $ 115,000 | $ 223,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 500,000 | $ 500,000 | $ 133,000 |
| Dallas-Plano-Irving, TX | 1 | $ 93,000 | $ 93,000 | $ 332,000 |
| Danville, IL | 1 | $ 142,000 | $ 142,000 | $ 91,000 |
| Dover, DE | 1 | $ 223,000 | $ 223,000 | $ 82,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 900,000 | $ 900,000 | $ 337,000 |
| Huntsville, AL | 1 | $ 146,000 | $ 146,000 | $ 264,000 |
| Jacksonville, FL | 1 | $ 140,000 | $ 140,000 | $ 46,000 |
| Kalamazoo-Portage, MI | 1 | $ 64,000 | $ 64,000 | $ 144,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 263,000 | $ 263,000 | $ 205,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 229,000 | $ 229,000 | $ 97,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 117,000 | $ 117,000 | $ 49,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 338,000 | $ 338,000 | $ 96,000 |
| Richmond, VA | 1 | $ 88,000 | $ 88,000 | $ 360,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 176,000 | $ 176,000 | $ 164,000 |
| Shreveport-Bossier City, LA | 1 | $ 152,000 | $ 152,000 | $ 96,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 35,000 | $ 35,000 | $ 147,000 |
| Wichita, KS | 1 | $ 77,000 | $ 77,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2011
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 | 3,001 | $412,862,000 | $137,000 | $1,365,000 | $132,000 | $5,730,000 |
| Refinancing | 2,850 | $544,547,000 | $191,000 | $4,500,000 | $148,000 | $5,185,000 |
| Home Improvement | 419 | $43,184,000 | $103,000 | $1,000,000 | $77,000 | $898,000 |
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 | 4,514 | $757,448,000 | $167,000 | $2,643,000 | $112,000 | $5,730,000 |
| American Indian or Alaskan Native | 1,052 | $113,862,000 | $108,000 | $1,000,000 | $197,000 | $3,522,000 |
| Not Provided | 612 | $96,099,000 | $157,000 | $1,512,000 | $181,000 | $3,960,000 |
| Not applicable | 44 | $24,935,000 | $566,000 | $4,500,000 | $542,000 | $5,185,000 |
| Hispanic | 28 | $5,584,000 | $199,000 | $1,016,000 | $101,000 | $629,000 |
| Black or African American | 12 | $1,579,000 | $131,000 | $426,000 | $72,000 | $360,000 |
| Asian | 6 | $872,000 | $145,000 | $476,000 | $47,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $214,000 | $107,000 | $191,000 | $69,000 | $90,000 |
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) | 6,270 | $1,000,593,000 | $159,000 | $4,500,000 | $136,000 | $5,730,000 |
| 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 | 4,175 | $660,291,000 | $158,000 | $4,500,000 | $170,000 | $5,730,000 |
| Application Denied By Financial Institution | 1,360 | $223,024,000 | $163,000 | $1,600,000 | $61,000 | $2,546,000 |
| Application Withdrawn By Applicant | 724 | $114,130,000 | $157,000 | $1,301,000 | $73,000 | $3,039,000 |
| Application Approved But Not Accepted | 6 | $1,441,000 | $240,000 | $689,000 | $454,000 | $1,834,000 |
| File Closed For Incompleteness | 5 | $1,707,000 | $341,000 | $823,000 | $200,000 | $506,000 |
| 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 2011 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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