Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2012
In 2012, Farm Credit Mid-America, Aca of Louisville, KY reported 8,572 mortgage applications totaling $1.4 billion, up 37% from 2011. The average application was for $166,763, and applicants reported an average income of $151,309. 69% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (422), Louisville/Jefferson County, KY-IN (224) and Indianapolis-Carmel, IN (223) (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 | 8,572 |
| Total Mortgage Loan Application Amount | $1,429,501,000 |
| Average Mortgage Loan Application Amount | $166,763 |
| Highest Mortgage Loan Application Amount | $20,425,000 |
| Average Applicant Income | $151,309 |
| Highest Applicant Income | $8,296,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 422 | $ 81,445,000 | $ 192,997 | $ 150,000 |
| Louisville/Jefferson County, KY-IN | 224 | $ 36,710,000 | $ 163,883 | $ 131,950 |
| Indianapolis-Carmel, IN | 223 | $ 40,353,000 | $ 180,955 | $ 220,000 |
| Columbus, OH | 213 | $ 63,689,000 | $ 299,009 | $ 274,000 |
| Cincinnati-Middletown, OH-KY-IN | 205 | $ 35,830,000 | $ 174,780 | $ 154,024 |
| Knoxville, TN | 151 | $ 33,761,000 | $ 223,582 | $ 100,000 |
| Dayton, OH | 136 | $ 21,906,000 | $ 161,073 | $ 148,000 |
| Cleveland-Elyria-Mentor, OH | 106 | $ 17,445,000 | $ 164,575 | $ 107,000 |
| Morristown, TN | 98 | $ 16,428,000 | $ 167,632 | $ 87,000 |
| Clarksville, TN-KY | 85 | $ 17,124,000 | $ 201,458 | $ 247,529 |
| Canton-Massillon, OH | 84 | $ 13,131,000 | $ 156,321 | $ 98,000 |
| Fort Wayne, IN | 83 | $ 12,326,000 | $ 148,506 | $ 162,000 |
| Memphis, TN-MS-AR | 79 | $ 16,065,000 | $ 203,354 | $ 192,000 |
| Youngstown-Warren-Boardman, OH-PA | 70 | $ 8,609,000 | $ 122,985 | $ 138,000 |
| Elizabethtown, KY | 69 | $ 12,111,000 | $ 175,521 | $ 98,000 |
| Gary, IN | 68 | $ 12,516,000 | $ 184,058 | $ 189,000 |
| Johnson City, TN | 68 | $ 10,108,000 | $ 148,647 | $ 73,000 |
| Lexington-Fayette, KY | 65 | $ 21,444,000 | $ 329,907 | $ 205,000 |
| Bowling Green, KY | 61 | $ 10,587,000 | $ 173,557 | $ 115,000 |
| Evansville, IN-KY | 58 | $ 10,718,000 | $ 184,793 | $ 211,931 |
| Lafayette, IN | 58 | $ 9,162,000 | $ 157,965 | $ 375,000 |
| Elkhart-Goshen, IN | 49 | $ 8,743,000 | $ 178,428 | $ 141,000 |
| Kingsport-Bristol-Bristol, TN-VA | 44 | $ 6,650,000 | $ 151,136 | $ 80,000 |
| Jackson, TN | 43 | $ 8,986,000 | $ 208,976 | $ 166,000 |
| Springfield, OH | 38 | $ 6,806,000 | $ 179,105 | $ 165,000 |
| Owensboro, KY | 37 | $ 5,536,000 | $ 149,621 | $ 188,000 |
| Kokomo, IN | 33 | $ 4,853,000 | $ 147,060 | $ 185,000 |
| Toledo, OH | 33 | $ 5,939,000 | $ 179,969 | $ 200,000 |
| South Bend-Mishawaka, IN-MI | 32 | $ 4,511,000 | $ 140,968 | $ 117,000 |
| Bloomington, IN | 31 | $ 5,685,000 | $ 183,387 | $ 155,000 |
| Michigan City-La Porte, IN | 30 | $ 5,142,000 | $ 171,400 | $ 396,000 |
| Mansfield, OH | 29 | $ 4,026,000 | $ 138,827 | $ 187,000 |
| Chattanooga, TN-GA | 28 | $ 9,205,000 | $ 328,750 | $ 156,000 |
| Columbus, IN | 28 | $ 4,863,000 | $ 173,678 | $ 215,000 |
| Terre Haute, IN | 28 | $ 3,205,000 | $ 114,464 | $ 160,000 |
| Akron, OH | 26 | $ 3,148,000 | $ 121,076 | $ 132,000 |
| Cleveland, TN | 26 | $ 4,047,000 | $ 155,653 | $ 63,000 |
| Lima, OH | 26 | $ 4,952,000 | $ 190,461 | $ 893,000 |
| Anderson, IN | 20 | $ 2,855,000 | $ 142,750 | $ 172,000 |
| Huntington-Ashland, WV-KY-OH | 19 | $ 2,510,000 | $ 132,105 | $ 88,947 |
| Wheeling, WV-OH | 18 | $ 3,671,000 | $ 203,944 | $ 64,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 15 | $ 2,616,000 | $ 174,400 | $ 156,000 |
| Muncie, IN | 13 | $ 2,192,000 | $ 168,615 | $ 266,000 |
| Sandusky, OH | 6 | $ 963,000 | $ 160,500 | $ 205,000 |
| Steubenville-Weirton, OH-WV | 3 | $ 571,000 | $ 190,333 | $ 72,000 |
| Lancaster, PA | 2 | $ 560,000 | $ 280,000 | $ 157,000 |
| Lakeland-Winter Haven, FL | 1 | $ 151,000 | $ 151,000 | $ 659,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 46,000 | $ 46,000 | $ 118,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 602,000 | $ 602,000 | $ 561,000 |
| St. Louis, MO-IL | 1 | $ 343,000 | $ 343,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2012
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 | 4,158 | $828,638,000 | $199,000 | $20,425,000 | $168,000 | $7,545,000 |
| Home Purchase | 3,856 | $541,914,000 | $140,000 | $1,519,000 | $139,000 | $8,296,000 |
| Home Improvement | 558 | $58,949,000 | $105,000 | $500,000 | $112,000 | $6,827,000 |
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 | 6,466 | $1,109,229,000 | $171,000 | $7,500,000 | $123,000 | $7,545,000 |
| American Indian or Alaskan Native | 1,132 | $134,167,000 | $118,000 | $502,000 | $232,000 | $6,095,000 |
| Not Provided | 872 | $144,387,000 | $165,000 | $1,509,000 | $223,000 | $8,296,000 |
| Not applicable | 43 | $32,266,000 | $750,000 | $20,425,000 | $940,000 | $6,170,000 |
| Hispanic | 37 | $5,241,000 | $141,000 | $408,000 | $77,000 | $323,000 |
| Black or African American | 16 | $3,082,000 | $192,000 | $713,000 | $110,000 | $439,000 |
| Asian | 5 | $1,012,000 | $202,000 | $550,000 | $12,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $117,000 | $117,000 | $117,000 | $61,000 | $61,000 |
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) | 8,572 | $1,429,501,000 | $166,000 | $20,425,000 | $151,000 | $8,296,000 |
| 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 | 5,895 | $996,246,000 | $168,000 | $20,425,000 | $188,000 | $8,296,000 |
| Application Denied By Financial Institution | 1,670 | $274,217,000 | $164,000 | $7,500,000 | $60,000 | $2,155,000 |
| Application Withdrawn By Applicant | 1,002 | $157,648,000 | $157,000 | $1,509,000 | $82,000 | $5,124,000 |
| Application Approved But Not Accepted | 4 | $961,000 | $240,000 | $680,000 | $401,000 | $941,000 |
| File Closed For Incompleteness | 1 | $429,000 | $429,000 | $429,000 | $4,904,000 | $4,904,000 |
| 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 2012 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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