Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2018
In 2018, Farm Credit Mid-America, Aca of Louisville, KY reported 3,720 mortgage applications totaling $831.0 million, up 33% from 2017. The average application was for $223,395, and applicants reported an average income of $122,873. 54% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (308), Indianapolis-Carmel-Anderson, IN (152) and Cincinnati, OH-KY-IN (141) (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 | 3,720 |
| Total Mortgage Loan Application Amount | $831,030,000 |
| Average Mortgage Loan Application Amount | $223,395 |
| Highest Mortgage Loan Application Amount | $3,475,000 |
| Average Applicant Income | $122,873 |
| Highest Applicant Income | $2,796,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 1,733 | $ 337,745,000 | $ 194,890 | $ 114,009 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 308 | $ 92,330,000 | $ 299,772 | $ 153,000 |
| Indianapolis-Carmel-Anderson, IN | 152 | $ 38,950,000 | $ 256,250 | $ 133,000 |
| Cincinnati, OH-KY-IN | 141 | $ 36,595,000 | $ 259,539 | $ 131,836 |
| Columbus, OH | 134 | $ 33,570,000 | $ 250,522 | $ 130,000 |
| Knoxville, TN | 102 | $ 26,340,000 | $ 258,235 | $ 113,000 |
| Louisville/Jefferson County, KY-IN | 102 | $ 23,890,000 | $ 234,215 | $ 115,294 |
| Cleveland-Elyria, OH | 91 | $ 24,825,000 | $ 272,802 | $ 147,000 |
| Canton-Massillon, OH | 64 | $ 10,490,000 | $ 163,906 | $ 122,000 |
| Youngstown-Warren-Boardman, OH-PA | 57 | $ 9,785,000 | $ 171,666 | $ 90,000 |
| Dayton, OH | 46 | $ 12,640,000 | $ 274,782 | $ 137,000 |
| Morristown, TN | 43 | $ 9,505,000 | $ 221,046 | $ 86,000 |
| Memphis, TN-MS-AR | 38 | $ 8,660,000 | $ 227,894 | $ 153,157 |
| Lexington-Fayette, KY | 35 | $ 12,045,000 | $ 344,142 | $ 169,000 |
| Fort Wayne, IN | 34 | $ 6,910,000 | $ 203,235 | $ 117,000 |
| Gary, IN | 33 | $ 7,215,000 | $ 218,636 | $ 104,000 |
| Elizabethtown-Fort Knox, KY | 32 | $ 5,300,000 | $ 165,625 | $ 150,000 |
| Elkhart-Goshen, IN | 32 | $ 6,280,000 | $ 196,250 | $ 106,000 |
| Johnson City, TN | 31 | $ 5,445,000 | $ 175,645 | $ 165,000 |
| Owensboro, KY | 30 | $ 5,520,000 | $ 184,000 | $ 110,000 |
| Lafayette-West Lafayette, IN | 28 | $ 5,710,000 | $ 203,928 | $ 106,000 |
| Clarksville, TN-KY | 27 | $ 4,985,000 | $ 184,629 | $ 122,888 |
| Kingsport-Bristol-Bristol, TN-VA | 27 | $ 8,405,000 | $ 311,296 | $ 122,000 |
| Chattanooga, TN-GA | 20 | $ 7,800,000 | $ 390,000 | $ 182,100 |
| Kokomo, IN | 20 | $ 4,010,000 | $ 200,500 | $ 115,000 |
| Terre Haute, IN | 19 | $ 2,785,000 | $ 146,578 | $ 85,000 |
| Bowling Green, KY | 18 | $ 4,680,000 | $ 260,000 | $ 96,000 |
| Evansville, IN-KY | 17 | $ 3,745,000 | $ 220,294 | $ 161,705 |
| Bloomington, IN | 16 | $ 4,130,000 | $ 258,125 | $ 119,000 |
| Mansfield, OH | 16 | $ 3,390,000 | $ 211,875 | $ 105,000 |
| Springfield, OH | 16 | $ 4,140,000 | $ 258,750 | $ 260,000 |
| Wheeling, WV-OH | 16 | $ 3,380,000 | $ 211,250 | $ 86,812 |
| Jackson, TN | 15 | $ 3,575,000 | $ 238,333 | $ 115,000 |
| Michigan City-La Porte, IN | 14 | $ 3,110,000 | $ 222,142 | $ 144,000 |
| South Bend-Mishawaka, IN-MI | 14 | $ 2,560,000 | $ 182,857 | $ 96,000 |
| Akron, OH | 13 | $ 3,635,000 | $ 279,615 | $ 136,000 |
| Cleveland, TN | 12 | $ 2,950,000 | $ 245,833 | $ 143,000 |
| Columbus, IN | 11 | $ 2,815,000 | $ 255,909 | $ 165,000 |
| Toledo, OH | 9 | $ 1,765,000 | $ 196,111 | $ 155,000 |
| Huntington-Ashland, WV-KY-OH | 8 | $ 1,120,000 | $ 140,000 | $ 113,750 |
| Weirton-Steubenville, WV-OH | 8 | $ 1,690,000 | $ 211,250 | $ 81,000 |
| Lima, OH | 5 | $ 485,000 | $ 97,000 | $ 106,000 |
| Muncie, IN | 5 | $ 925,000 | $ 185,000 | $ 160,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 3 | $ 1,845,000 | $ 615,000 | $ 1,022,000 |
| St. Louis, MO-IL | 3 | $ 595,000 | $ 198,333 | $ 98,000 |
| Carbondale-Marion, IL | 2 | $ 180,000 | $ 90,000 | $ 67,000 |
| Champaign-Urbana, IL | 2 | $ 360,000 | $ 180,000 | $ 133,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 910,000 | $ 455,000 | $ 232,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 2,590,000 | $ 1,295,000 | $ 697,000 |
| Panama City, FL | 2 | $ 2,070,000 | $ 1,035,000 | $ 451,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Danville, IL | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Punta Gorda, FL | 1 | $ 175,000 | $ 175,000 | $ 450,000 |
| San Antonio-New Braunfels, TX | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Winston-Salem, NC | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2018
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 | 2,624 | $638,440,000 | $243,000 | $1,545,000 | $125,000 | $2,796,000 |
| Refinancing | 709 | $154,545,000 | $217,000 | $3,475,000 | $114,000 | $2,769,000 |
| Home Improvement | 364 | $34,090,000 | $93,000 | $1,215,000 | $124,000 | $1,887,000 |
| Cash-out Refinancing | 15 | $2,465,000 | $164,000 | $955,000 | $146,000 | $637,000 |
| Not Applicable | 7 | $865,000 | $123,000 | $265,000 | $66,000 | $66,000 |
| Other Purpose | 1 | $625,000 | $625,000 | $625,000 | $477,000 | $477,000 |
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 | 3,090 | $684,160,000 | $221,000 | $2,075,000 | $121,000 | $2,796,000 |
| Not Provided | 557 | $126,515,000 | $227,000 | $2,275,000 | $130,000 | $2,494,000 |
| Hispanic | 35 | $8,445,000 | $241,000 | $655,000 | $116,000 | $587,000 |
| American Indian or Alaskan Native | 13 | $2,875,000 | $221,000 | $625,000 | $269,000 | $1,256,000 |
| Asian | 7 | $2,485,000 | $355,000 | $585,000 | $222,000 | $469,000 |
| Not applicable | 6 | $4,080,000 | $680,000 | $3,475,000 | $0 | $0 |
| Black or African American | 5 | $1,045,000 | $209,000 | $355,000 | $108,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $975,000 | $195,000 | $505,000 | $134,000 | $291,000 |
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) | 3,720 | $831,030,000 | $223,000 | $3,475,000 | $123,000 | $2,796,000 |
| 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 | 1,994 | $449,910,000 | $225,000 | $3,475,000 | $150,000 | $2,796,000 |
| Application Approved But Not Accepted | 661 | $164,155,000 | $248,000 | $2,075,000 | $124,000 | $1,647,000 |
| Application Denied By Financial Institution | 565 | $110,065,000 | $194,000 | $1,625,000 | $87,000 | $1,805,000 |
| Application Withdrawn By Applicant | 492 | $104,950,000 | $213,000 | $1,005,000 | $53,000 | $534,000 |
| File Closed For Incompleteness | 8 | $1,950,000 | $243,000 | $455,000 | $35,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,155 | $720,965,000 | $228,000 | $3,475,000 | $129,000 | $2,796,000 |
| Debt-To-Income Ratio | 422 | $86,850,000 | $205,000 | $1,625,000 | $87,000 | $1,805,000 |
| Credit History | 59 | $9,485,000 | $160,000 | $415,000 | $98,000 | $247,000 |
| Collateral | 45 | $6,765,000 | $150,000 | $435,000 | $57,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $3,935,000 | $171,000 | $575,000 | $101,000 | $245,000 |
| Other | 13 | $2,195,000 | $168,000 | $615,000 | $115,000 | $547,000 |
| Unverifiable Information | 2 | $410,000 | $205,000 | $305,000 | $86,000 | $89,000 |
| Credit Application Incomplete | 1 | $425,000 | $425,000 | $425,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca's 2018 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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