Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2014
In 2014, Farm Credit Mid-America, Aca of Louisville, KY reported 6,535 mortgage applications totaling $1.2 billion, down 7% from 2013. The average application was for $182,602, and applicants reported an average income of $218,221. 75% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (411), Indianapolis-Carmel-Anderson, IN (205) and Knoxville, TN (154) (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 | 6,535 |
| Total Mortgage Loan Application Amount | $1,193,309,000 |
| Average Mortgage Loan Application Amount | $182,602 |
| Highest Mortgage Loan Application Amount | $5,070,000 |
| Average Applicant Income | $218,221 |
| Highest Applicant Income | $9,729,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 411 | $ 93,922,000 | $ 228,520 | $ 190,000 |
| Indianapolis-Carmel-Anderson, IN | 205 | $ 34,907,000 | $ 170,278 | $ 270,000 |
| Knoxville, TN | 154 | $ 27,631,000 | $ 179,422 | $ 107,000 |
| Cincinnati, OH-KY-IN | 150 | $ 24,905,000 | $ 166,033 | $ 169,360 |
| Columbus, OH | 149 | $ 31,033,000 | $ 208,275 | $ 231,000 |
| Louisville/Jefferson County, KY-IN | 123 | $ 27,906,000 | $ 226,878 | $ 265,463 |
| Cleveland-Elyria, OH | 80 | $ 12,058,000 | $ 150,725 | $ 133,000 |
| Bowling Green, KY | 69 | $ 10,742,000 | $ 155,681 | $ 261,000 |
| Canton-Massillon, OH | 65 | $ 8,911,000 | $ 137,092 | $ 133,000 |
| Memphis, TN-MS-AR | 65 | $ 11,700,000 | $ 180,000 | $ 440,000 |
| Johnson City, TN | 64 | $ 10,224,000 | $ 159,750 | $ 116,000 |
| Clarksville, TN-KY | 63 | $ 10,486,000 | $ 166,444 | $ 262,777 |
| Dayton, OH | 62 | $ 12,900,000 | $ 208,064 | $ 372,000 |
| Lexington-Fayette, KY | 60 | $ 20,885,000 | $ 348,083 | $ 291,000 |
| Kingsport-Bristol-Bristol, TN-VA | 58 | $ 9,433,000 | $ 162,637 | $ 78,000 |
| Elizabethtown-Fort Knox, KY | 56 | $ 9,094,000 | $ 162,392 | $ 199,000 |
| Gary, IN | 54 | $ 10,032,000 | $ 185,777 | $ 453,000 |
| Fort Wayne, IN | 48 | $ 10,101,000 | $ 210,437 | $ 298,000 |
| Evansville, IN-KY | 45 | $ 8,712,000 | $ 193,600 | $ 345,733 |
| Lafayette-West Lafayette, IN | 36 | $ 5,803,000 | $ 161,194 | $ 523,000 |
| Morristown, TN | 36 | $ 7,713,000 | $ 214,250 | $ 155,000 |
| Youngstown-Warren-Boardman, OH-PA | 35 | $ 3,857,000 | $ 110,200 | $ 205,000 |
| Owensboro, KY | 33 | $ 4,187,000 | $ 126,878 | $ 170,000 |
| Jackson, TN | 31 | $ 4,910,000 | $ 158,387 | $ 259,000 |
| Akron, OH | 27 | $ 4,945,000 | $ 183,148 | $ 312,000 |
| Chattanooga, TN-GA | 26 | $ 6,946,000 | $ 267,153 | $ 103,000 |
| Elkhart-Goshen, IN | 26 | $ 4,532,000 | $ 174,307 | $ 115,000 |
| Michigan City-La Porte, IN | 21 | $ 3,661,000 | $ 174,333 | $ 265,000 |
| Toledo, OH | 21 | $ 4,566,000 | $ 217,428 | $ 384,000 |
| Cleveland, TN | 20 | $ 4,213,000 | $ 210,650 | $ 346,000 |
| Springfield, OH | 20 | $ 2,723,000 | $ 136,150 | $ 213,000 |
| Columbus, IN | 19 | $ 2,321,000 | $ 122,157 | $ 415,000 |
| Lima, OH | 18 | $ 3,463,000 | $ 192,388 | $ 347,000 |
| Terre Haute, IN | 18 | $ 2,830,000 | $ 157,222 | $ 233,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 3,657,000 | $ 215,117 | $ 255,000 |
| Kokomo, IN | 16 | $ 2,958,000 | $ 184,875 | $ 549,000 |
| Wheeling, WV-OH | 16 | $ 3,344,000 | $ 209,000 | $ 120,000 |
| Mansfield, OH | 13 | $ 3,022,000 | $ 232,461 | $ 182,000 |
| Bloomington, IN | 12 | $ 2,930,000 | $ 244,166 | $ 464,000 |
| Muncie, IN | 11 | $ 1,622,000 | $ 147,454 | $ 86,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 1,322,000 | $ 165,250 | $ 86,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 827,000 | $ 206,750 | $ 66,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 77,000 | $ 77,000 | $ 1,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2014
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 | 4,108 | $698,628,000 | $170,000 | $5,070,000 | $214,000 | $9,729,000 |
| Refinancing | 1,963 | $441,517,000 | $224,000 | $3,334,000 | $242,000 | $9,000,000 |
| Home Improvement | 464 | $53,164,000 | $114,000 | $1,500,000 | $155,000 | $4,163,000 |
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 | 4,249 | $698,890,000 | $164,000 | $5,000,000 | $117,000 | $6,761,000 |
| American Indian or Alaskan Native | 1,118 | $179,783,000 | $160,000 | $2,805,000 | $236,000 | $6,812,000 |
| Not Provided | 1,066 | $282,113,000 | $264,000 | $5,070,000 | $567,000 | $9,000,000 |
| Not applicable | 62 | $26,778,000 | $431,000 | $3,164,000 | $934,000 | $9,729,000 |
| Hispanic | 21 | $2,724,000 | $129,000 | $384,000 | $71,000 | $248,000 |
| Black or African American | 13 | $2,189,000 | $168,000 | $508,000 | $105,000 | $504,000 |
| Asian | 5 | $622,000 | $124,000 | $210,000 | $73,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $210,000 | $210,000 | $210,000 | $0 | $0 |
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) | 6,535 | $1,193,309,000 | $182,000 | $5,070,000 | $218,000 | $9,729,000 |
| 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 | $925,699,000 | $187,000 | $5,070,000 | $269,000 | $9,729,000 |
| Application Denied By Financial Institution | 919 | $137,342,000 | $149,000 | $1,186,000 | $45,000 | $1,439,000 |
| Application Withdrawn By Applicant | 686 | $129,813,000 | $189,000 | $2,176,000 | $88,000 | $4,131,000 |
| Application Approved But Not Accepted | 2 | $170,000 | $85,000 | $125,000 | $712,000 | $1,156,000 |
| File Closed For Incompleteness | 1 | $285,000 | $285,000 | $285,000 | $92,000 | $92,000 |
| 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 2014 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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