Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2015
In 2015, Farm Credit Mid-America, Aca of Louisville, KY reported 6,929 mortgage applications totaling $1.5 billion, up 6% from 2014. The average application was for $223,644, and applicants reported an average income of $209,254. 76% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (435), Indianapolis-Carmel-Anderson, IN (239) and Cincinnati, OH-KY-IN (212) (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 | 6,929 |
| Total Mortgage Loan Application Amount | $1,549,635,000 |
| Average Mortgage Loan Application Amount | $223,644 |
| Highest Mortgage Loan Application Amount | $9,970,000 |
| Average Applicant Income | $209,254 |
| Highest Applicant Income | $9,999,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 435 | $ 88,286,000 | $ 202,956 | $ 129,000 |
| Indianapolis-Carmel-Anderson, IN | 239 | $ 50,432,000 | $ 211,012 | $ 256,000 |
| Cincinnati, OH-KY-IN | 212 | $ 46,360,000 | $ 218,679 | $ 158,891 |
| Columbus, OH | 190 | $ 41,311,000 | $ 217,426 | $ 286,000 |
| Knoxville, TN | 184 | $ 40,300,000 | $ 219,021 | $ 98,000 |
| Louisville/Jefferson County, KY-IN | 156 | $ 36,728,000 | $ 235,435 | $ 184,384 |
| Bowling Green, KY | 116 | $ 27,931,000 | $ 240,784 | $ 127,000 |
| Cleveland-Elyria, OH | 102 | $ 19,733,000 | $ 193,460 | $ 155,000 |
| Canton-Massillon, OH | 93 | $ 15,269,000 | $ 164,182 | $ 299,000 |
| Clarksville, TN-KY | 90 | $ 26,973,000 | $ 299,700 | $ 289,477 |
| Gary, IN | 76 | $ 19,444,000 | $ 255,842 | $ 276,000 |
| Memphis, TN-MS-AR | 70 | $ 18,547,000 | $ 264,957 | $ 198,742 |
| Elizabethtown-Fort Knox, KY | 69 | $ 16,278,000 | $ 235,913 | $ 153,000 |
| Lexington-Fayette, KY | 67 | $ 24,589,000 | $ 367,000 | $ 373,000 |
| Dayton, OH | 65 | $ 15,491,000 | $ 238,323 | $ 199,000 |
| Johnson City, TN | 63 | $ 9,933,000 | $ 157,666 | $ 124,000 |
| Kingsport-Bristol-Bristol, TN-VA | 62 | $ 11,716,000 | $ 188,967 | $ 124,290 |
| Lafayette-West Lafayette, IN | 62 | $ 14,676,000 | $ 236,709 | $ 412,000 |
| Fort Wayne, IN | 58 | $ 12,186,000 | $ 210,103 | $ 147,000 |
| Elkhart-Goshen, IN | 56 | $ 13,977,000 | $ 249,589 | $ 102,000 |
| Owensboro, KY | 56 | $ 11,949,000 | $ 213,375 | $ 385,000 |
| Youngstown-Warren-Boardman, OH-PA | 54 | $ 8,041,000 | $ 148,907 | $ 125,629 |
| Morristown, TN | 49 | $ 8,041,000 | $ 164,102 | $ 80,000 |
| Chattanooga, TN-GA | 36 | $ 7,178,000 | $ 199,388 | $ 97,055 |
| Terre Haute, IN | 35 | $ 6,356,000 | $ 181,600 | $ 276,000 |
| Evansville, IN-KY | 31 | $ 7,402,000 | $ 238,774 | $ 449,032 |
| South Bend-Mishawaka, IN-MI | 31 | $ 8,118,000 | $ 261,870 | $ 168,000 |
| Springfield, OH | 31 | $ 7,358,000 | $ 237,354 | $ 564,000 |
| Jackson, TN | 29 | $ 4,901,000 | $ 169,000 | $ 186,000 |
| Mansfield, OH | 29 | $ 5,955,000 | $ 205,344 | $ 165,000 |
| Cleveland, TN | 28 | $ 6,119,000 | $ 218,535 | $ 245,000 |
| Michigan City-La Porte, IN | 26 | $ 5,893,000 | $ 226,653 | $ 374,000 |
| Wheeling, WV-OH | 26 | $ 4,897,000 | $ 188,346 | $ 89,000 |
| Akron, OH | 25 | $ 8,305,000 | $ 332,200 | $ 161,000 |
| Toledo, OH | 24 | $ 6,177,000 | $ 257,375 | $ 260,000 |
| Columbus, IN | 23 | $ 3,275,000 | $ 142,391 | $ 181,000 |
| Bloomington, IN | 22 | $ 3,271,000 | $ 148,681 | $ 92,000 |
| Lima, OH | 19 | $ 3,495,000 | $ 183,947 | $ 232,000 |
| Huntington-Ashland, WV-KY-OH | 15 | $ 1,623,000 | $ 108,200 | $ 119,266 |
| Muncie, IN | 14 | $ 6,106,000 | $ 436,142 | $ 447,000 |
| Kokomo, IN | 11 | $ 4,600,000 | $ 418,181 | $ 206,000 |
| Ocala, FL | 4 | $ 716,000 | $ 179,000 | $ 264,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 727,000 | $ 242,333 | $ 462,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 252,000 | $ 126,000 | $ 308,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 247,000 | $ 123,500 | $ 222,000 |
| Homosassa Springs, FL | 2 | $ 172,000 | $ 86,000 | $ 89,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 609,000 | $ 304,500 | $ 243,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 758,000 | $ 379,000 | $ 131,000 |
| Albany, GA | 1 | $ 179,000 | $ 179,000 | $ 86,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 203,000 | $ 203,000 | $ 45,000 |
| California-Lexington Park, MD | 1 | $ 112,000 | $ 112,000 | $ 214,000 |
| Carbondale-Marion, IL | 1 | $ 201,000 | $ 201,000 | $ 91,000 |
| Champaign-Urbana, IL | 1 | $ 46,000 | $ 46,000 | $ 85,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 570,000 | $ 570,000 | $ 390,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 500,000 | $ 500,000 | $ 211,000 |
| Danville, IL | 1 | $ 600,000 | $ 600,000 | $ 588,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 201,000 | $ 201,000 | $ 246,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 509,000 | $ 509,000 | $ 52,000 |
| Florence-Muscle Shoals, AL | 1 | $ 93,000 | $ 93,000 | $ 80,000 |
| Huntsville, AL | 1 | $ 76,000 | $ 76,000 | $ 97,000 |
| Kansas City, MO-KS | 1 | $ 456,000 | $ 456,000 | $ 301,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 25,000 | $ 25,000 | $ 143,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 350,000 | $ 350,000 | $ 297,000 |
| Montgomery, AL | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Napa, CA | 1 | $ 41,000 | $ 41,000 | $ 123,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 65,000 | $ 65,000 | $ 252,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 1,160,000 | $ 1,160,000 | $ 250,000 |
| Pittsburgh, PA | 1 | $ 132,000 | $ 132,000 | $ 903,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 202,000 | $ 202,000 | $ 182,000 |
| Visalia-Porterville, CA | 1 | $ 184,000 | $ 184,000 | $ 98,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2015
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 | 4,271 | $894,750,000 | $209,000 | $9,970,000 | $191,000 | $6,478,000 |
| Refinancing | 2,199 | $598,515,000 | $272,000 | $7,000,000 | $260,000 | $9,999,000 |
| Home Improvement | 459 | $56,370,000 | $122,000 | $1,198,000 | $136,000 | $2,909,000 |
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 | 4,397 | $777,418,000 | $176,000 | $2,840,000 | $110,000 | $3,752,000 |
| Not Provided | 1,235 | $441,175,000 | $357,000 | $5,500,000 | $496,000 | $6,478,000 |
| American Indian or Alaskan Native | 1,150 | $263,590,000 | $229,000 | $9,970,000 | $229,000 | $3,981,000 |
| Not applicable | 91 | $58,031,000 | $637,000 | $7,000,000 | $950,000 | $9,999,000 |
| Hispanic | 25 | $2,570,000 | $102,000 | $288,000 | $62,000 | $145,000 |
| Black or African American | 22 | $4,820,000 | $219,000 | $557,000 | $60,000 | $193,000 |
| Asian | 7 | $1,739,000 | $248,000 | $772,000 | $262,000 | $1,252,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $292,000 | $146,000 | $216,000 | $67,000 | $86,000 |
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) | 6,929 | $1,549,635,000 | $223,000 | $9,970,000 | $210,000 | $9,999,000 |
| 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 | 5,296 | $1,225,481,000 | $231,000 | $9,970,000 | $255,000 | $9,999,000 |
| Application Denied By Financial Institution | 933 | $153,629,000 | $164,000 | $3,186,000 | $51,000 | $1,000,000 |
| Application Withdrawn By Applicant | 700 | $170,525,000 | $243,000 | $5,188,000 | $80,000 | $4,601,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $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 2015 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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