Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2016
In 2016, Farm Credit Mid-America, Aca of Louisville, KY reported 5,468 mortgage applications totaling $1.4 billion, down 21% from 2015. The average application was for $251,523, and applicants reported an average income of $263,531. 72% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (334), Indianapolis-Carmel-Anderson, IN (191) and Cincinnati, OH-KY-IN (185) (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 | 5,468 |
| Total Mortgage Loan Application Amount | $1,375,331,000 |
| Average Mortgage Loan Application Amount | $251,523 |
| Highest Mortgage Loan Application Amount | $20,200,000 |
| Average Applicant Income | $263,531 |
| Highest Applicant Income | $9,671,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 334 | $ 82,368,000 | $ 246,610 | $ 203,000 |
| Indianapolis-Carmel-Anderson, IN | 191 | $ 45,959,000 | $ 240,623 | $ 272,000 |
| Cincinnati, OH-KY-IN | 185 | $ 37,639,000 | $ 203,454 | $ 163,189 |
| Columbus, OH | 141 | $ 42,100,000 | $ 298,581 | $ 205,000 |
| Knoxville, TN | 117 | $ 24,871,000 | $ 212,572 | $ 151,000 |
| Louisville/Jefferson County, KY-IN | 87 | $ 17,615,000 | $ 202,471 | $ 249,413 |
| Cleveland-Elyria, OH | 84 | $ 16,134,000 | $ 192,071 | $ 214,000 |
| Dayton, OH | 81 | $ 20,647,000 | $ 254,901 | $ 247,000 |
| Bowling Green, KY | 76 | $ 18,177,000 | $ 239,171 | $ 289,000 |
| Clarksville, TN-KY | 68 | $ 13,705,000 | $ 201,544 | $ 178,279 |
| Memphis, TN-MS-AR | 65 | $ 12,327,000 | $ 189,646 | $ 214,000 |
| Gary, IN | 56 | $ 12,423,000 | $ 221,839 | $ 342,000 |
| Fort Wayne, IN | 55 | $ 11,585,000 | $ 210,636 | $ 256,000 |
| Lafayette-West Lafayette, IN | 55 | $ 14,436,000 | $ 262,472 | $ 537,000 |
| Canton-Massillon, OH | 54 | $ 10,762,000 | $ 199,296 | $ 142,000 |
| Lexington-Fayette, KY | 53 | $ 19,201,000 | $ 362,283 | $ 305,000 |
| Elizabethtown-Fort Knox, KY | 52 | $ 7,586,000 | $ 145,884 | $ 92,000 |
| Owensboro, KY | 47 | $ 13,563,000 | $ 288,574 | $ 150,000 |
| Morristown, TN | 44 | $ 9,295,000 | $ 211,250 | $ 111,000 |
| Johnson City, TN | 41 | $ 5,917,000 | $ 144,317 | $ 115,000 |
| Kingsport-Bristol-Bristol, TN-VA | 41 | $ 6,337,000 | $ 154,560 | $ 107,000 |
| Youngstown-Warren-Boardman, OH-PA | 39 | $ 7,658,000 | $ 196,358 | $ 353,000 |
| Elkhart-Goshen, IN | 34 | $ 9,718,000 | $ 285,823 | $ 156,000 |
| Evansville, IN-KY | 27 | $ 8,979,000 | $ 332,555 | $ 241,333 |
| Columbus, IN | 26 | $ 5,881,000 | $ 226,192 | $ 555,000 |
| Jackson, TN | 25 | $ 3,320,000 | $ 132,800 | $ 176,000 |
| Toledo, OH | 25 | $ 6,789,000 | $ 271,560 | $ 680,000 |
| Akron, OH | 24 | $ 4,331,000 | $ 180,458 | $ 192,000 |
| Chattanooga, TN-GA | 22 | $ 5,692,000 | $ 258,727 | $ 250,000 |
| Cleveland, TN | 22 | $ 4,599,000 | $ 209,045 | $ 144,000 |
| Mansfield, OH | 22 | $ 4,968,000 | $ 225,818 | $ 287,000 |
| Kokomo, IN | 21 | $ 3,545,000 | $ 168,809 | $ 521,000 |
| South Bend-Mishawaka, IN-MI | 20 | $ 4,192,000 | $ 209,600 | $ 248,000 |
| Terre Haute, IN | 20 | $ 3,649,000 | $ 182,450 | $ 488,000 |
| Wheeling, WV-OH | 17 | $ 2,694,000 | $ 158,470 | $ 84,000 |
| Michigan City-La Porte, IN | 14 | $ 2,744,000 | $ 196,000 | $ 306,000 |
| Muncie, IN | 14 | $ 2,388,000 | $ 170,571 | $ 287,000 |
| Springfield, OH | 14 | $ 3,333,000 | $ 238,071 | $ 513,000 |
| Huntington-Ashland, WV-KY-OH | 13 | $ 1,804,000 | $ 138,769 | $ 159,000 |
| Lima, OH | 13 | $ 5,368,000 | $ 412,923 | $ 211,000 |
| Bloomington, IN | 9 | $ 2,120,000 | $ 235,555 | $ 115,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 743,000 | $ 247,666 | $ 117,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 244,000 | $ 122,000 | $ 56,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 188,000 | $ 94,000 | $ 97,000 |
| Huntsville, AL | 2 | $ 4,767,000 | $ 2,383,500 | $ 4,677,000 |
| St. Joseph, MO-KS | 2 | $ 343,000 | $ 171,500 | $ 259,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 170,000 | $ 85,000 | $ 294,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 235,000 | $ 117,500 | $ 614,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 615,000 | $ 307,500 | $ 2,854,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 350,000 | $ 350,000 | $ 420,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Bloomington, IL | 1 | $ 310,000 | $ 310,000 | $ 356,000 |
| Brunswick, GA | 1 | $ 399,000 | $ 399,000 | $ 887,000 |
| Carbondale-Marion, IL | 1 | $ 253,000 | $ 253,000 | $ 194,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 38,000 | $ 38,000 | $ 1,272,000 |
| Dallas-Plano-Irving, TX | 1 | $ 37,000 | $ 37,000 | $ 81,000 |
| Danville, IL | 1 | $ 180,000 | $ 180,000 | $ 181,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 27,000 | $ 27,000 | $ 52,000 |
| Decatur, AL | 1 | $ 114,000 | $ 114,000 | $ 149,000 |
| Florence-Muscle Shoals, AL | 1 | $ 116,000 | $ 116,000 | $ 111,000 |
| Fort Collins, CO | 1 | $ 222,000 | $ 222,000 | $ 214,000 |
| Great Falls, MT | 1 | $ 96,000 | $ 96,000 | $ 324,000 |
| Greensboro-High Point, NC | 1 | $ 56,000 | $ 56,000 | $ 173,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 450,000 | $ 450,000 | $ 200,000 |
| Kansas City, MO-KS | 1 | $ 159,000 | $ 159,000 | $ 104,000 |
| Killeen-Temple, TX | 1 | $ 123,000 | $ 123,000 | $ 70,000 |
| Lawrence, KS | 1 | $ 306,000 | $ 306,000 | $ 135,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 193,000 | $ 193,000 | $ 70,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 593,000 | $ 593,000 | $ 0 |
| Ocala, FL | 1 | $ 306,000 | $ 306,000 | $ 71,000 |
| Odessa, TX | 1 | $ 1,800,000 | $ 1,800,000 | $ 1,270,000 |
| Punta Gorda, FL | 1 | $ 160,000 | $ 160,000 | $ 85,000 |
| Salt Lake City, UT | 1 | $ 764,000 | $ 764,000 | $ 462,000 |
| Savannah, GA | 1 | $ 336,000 | $ 336,000 | $ 199,000 |
| The Villages, FL | 1 | $ 144,000 | $ 144,000 | $ 144,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2016
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 | 3,428 | $758,542,000 | $221,000 | $11,500,000 | $248,000 | $9,671,000 |
| Refinancing | 1,743 | $582,047,000 | $333,000 | $20,200,000 | $317,000 | $9,623,000 |
| Home Improvement | 297 | $34,742,000 | $116,000 | $636,000 | $129,000 | $2,397,000 |
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 | 3,182 | $595,860,000 | $187,000 | $2,335,000 | $112,000 | $3,970,000 |
| Not Provided | 1,115 | $441,596,000 | $396,000 | $20,200,000 | $647,000 | $9,671,000 |
| American Indian or Alaskan Native | 1,065 | $278,747,000 | $261,000 | $20,000,000 | $253,000 | $5,459,000 |
| Not applicable | 78 | $54,152,000 | $694,000 | $4,732,000 | $1,151,000 | $9,013,000 |
| Hispanic | 11 | $1,446,000 | $131,000 | $203,000 | $72,000 | $153,000 |
| Black or African American | 9 | $1,690,000 | $187,000 | $675,000 | $124,000 | $455,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $816,000 | $204,000 | $420,000 | $149,000 | $231,000 |
| Asian | 4 | $1,024,000 | $256,000 | $422,000 | $26,000 | $73,000 |
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) | 5,468 | $1,375,331,000 | $251,000 | $20,200,000 | $263,000 | $9,671,000 |
| 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 | 3,963 | $1,017,577,000 | $256,000 | $20,200,000 | $324,000 | $9,671,000 |
| Application Denied By Financial Institution | 919 | $196,048,000 | $213,000 | $4,614,000 | $74,000 | $1,140,000 |
| Application Withdrawn By Applicant | 586 | $161,706,000 | $275,000 | $3,451,000 | $152,000 | $8,522,000 |
| 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 2016 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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