Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2019
In 2019, Farm Credit Mid-America, Aca of Louisville, KY reported 4,760 mortgage applications totaling $1.2 billion, up 28% from 2018. The average application was for $257,373, and applicants reported an average income of $137,815. 59% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (392), Cincinnati, OH-KY-IN (164) and Columbus, OH (152) (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 | 4,760 |
| Total Mortgage Loan Application Amount | $1,225,100,000 |
| Average Mortgage Loan Application Amount | $257,373 |
| Highest Mortgage Loan Application Amount | $3,875,000 |
| Average Applicant Income | $137,815 |
| Highest Applicant Income | $2,971,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,200 | $ 501,780,000 | $ 228,081 | $ 131,910 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 392 | $ 140,290,000 | $ 357,882 | $ 169,000 |
| Cincinnati, OH-KY-IN | 164 | $ 46,840,000 | $ 285,609 | $ 145,841 |
| Columbus, OH | 152 | $ 43,060,000 | $ 283,289 | $ 148,000 |
| Indianapolis-Carmel-Anderson, IN | 151 | $ 36,865,000 | $ 244,139 | $ 146,000 |
| Knoxville, TN | 116 | $ 36,050,000 | $ 310,775 | $ 137,000 |
| Cleveland-Elyria, OH | 106 | $ 28,810,000 | $ 271,792 | $ 138,000 |
| Louisville/Jefferson County, KY-IN | 100 | $ 28,540,000 | $ 285,400 | $ 149,500 |
| Clarksville, TN-KY | 60 | $ 13,970,000 | $ 232,833 | $ 101,600 |
| Youngstown-Warren-Boardman, OH-PA | 60 | $ 11,060,000 | $ 184,333 | $ 118,000 |
| Gary, IN | 58 | $ 15,760,000 | $ 271,724 | $ 152,000 |
| Dayton-Springfield-Kettering, OH | 55 | $ 14,705,000 | $ 267,363 | $ 139,000 |
| Bowling Green, KY | 52 | $ 12,920,000 | $ 248,461 | $ 98,000 |
| Canton-Massillon, OH | 52 | $ 13,240,000 | $ 254,615 | $ 117,000 |
| Memphis, TN-MS-AR | 47 | $ 14,095,000 | $ 299,893 | $ 150,000 |
| Morristown, TN | 44 | $ 11,520,000 | $ 261,818 | $ 144,000 |
| Chattanooga, TN-GA | 36 | $ 10,450,000 | $ 290,277 | $ 133,000 |
| Lexington-Fayette, KY | 36 | $ 14,810,000 | $ 411,388 | $ 163,000 |
| Johnson City, TN | 33 | $ 9,455,000 | $ 286,515 | $ 169,000 |
| Owensboro, KY | 32 | $ 7,340,000 | $ 229,375 | $ 167,000 |
| Akron, OH | 31 | $ 7,335,000 | $ 236,612 | $ 139,000 |
| Elkhart-Goshen, IN | 31 | $ 7,425,000 | $ 239,516 | $ 87,000 |
| Lafayette-West Lafayette, IN | 31 | $ 7,645,000 | $ 246,612 | $ 146,000 |
| Kingsport-Bristol-Bristol, TN-VA | 29 | $ 9,375,000 | $ 323,275 | $ 130,000 |
| Elizabethtown-Fort Knox, KY | 28 | $ 6,020,000 | $ 215,000 | $ 183,000 |
| Des Moines-West Des Moines, IA | 27 | $ 7,525,000 | $ 278,703 | $ 157,000 |
| Fort Wayne, IN | 27 | $ 9,035,000 | $ 334,629 | $ 137,000 |
| Jackson, TN | 24 | $ 5,240,000 | $ 218,333 | $ 118,000 |
| Mansfield, OH | 24 | $ 6,750,000 | $ 281,250 | $ 180,000 |
| Terre Haute, IN | 20 | $ 8,350,000 | $ 417,500 | $ 225,000 |
| Wheeling, WV-OH | 20 | $ 5,490,000 | $ 274,500 | $ 132,000 |
| Evansville, IN-KY | 19 | $ 4,315,000 | $ 227,105 | $ 109,578 |
| Bloomington, IN | 18 | $ 4,390,000 | $ 243,888 | $ 133,000 |
| Omaha-Council Bluffs, NE-IA | 18 | $ 6,260,000 | $ 347,777 | $ 206,555 |
| Springfield, OH | 18 | $ 4,830,000 | $ 268,333 | $ 207,000 |
| Cleveland, TN | 17 | $ 5,265,000 | $ 309,705 | $ 227,000 |
| Michigan City-La Porte, IN | 17 | $ 3,995,000 | $ 235,000 | $ 107,000 |
| Columbus, IN | 15 | $ 2,975,000 | $ 198,333 | $ 93,000 |
| Huntington-Ashland, WV-KY-OH | 15 | $ 2,065,000 | $ 137,666 | $ 81,733 |
| Toledo, OH | 14 | $ 2,160,000 | $ 154,285 | $ 193,000 |
| Kansas City, MO-KS | 12 | $ 3,850,000 | $ 320,833 | $ 140,000 |
| Ames, IA | 11 | $ 2,415,000 | $ 219,545 | $ 98,000 |
| Lincoln, NE | 10 | $ 3,090,000 | $ 309,000 | $ 125,000 |
| Muncie, IN | 10 | $ 1,810,000 | $ 181,000 | $ 142,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 1,770,000 | $ 177,000 | $ 111,000 |
| Waterloo-Cedar Falls, IA | 10 | $ 2,240,000 | $ 224,000 | $ 78,000 |
| Sioux Falls, SD | 9 | $ 3,285,000 | $ 365,000 | $ 148,000 |
| Sioux City, IA-NE-SD | 8 | $ 2,200,000 | $ 275,000 | $ 113,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 3,300,000 | $ 550,000 | $ 193,000 |
| Kokomo, IN | 6 | $ 860,000 | $ 143,333 | $ 56,000 |
| Lima, OH | 6 | $ 1,180,000 | $ 196,666 | $ 224,000 |
| Topeka, KS | 6 | $ 1,900,000 | $ 316,666 | $ 123,000 |
| Weirton-Steubenville, WV-OH | 6 | $ 1,570,000 | $ 261,666 | $ 105,000 |
| Cedar Rapids, IA | 5 | $ 1,475,000 | $ 295,000 | $ 133,000 |
| Grand Island, NE | 5 | $ 2,175,000 | $ 435,000 | $ 182,000 |
| Iowa City, IA | 5 | $ 1,365,000 | $ 273,000 | $ 108,000 |
| Rapid City, SD | 4 | $ 1,140,000 | $ 285,000 | $ 179,000 |
| St. Louis, MO-IL | 3 | $ 1,475,000 | $ 491,666 | $ 216,000 |
| Cheyenne, WY | 2 | $ 610,000 | $ 305,000 | $ 150,000 |
| Lawrence, KS | 2 | $ 390,000 | $ 195,000 | $ 102,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 570,000 | $ 285,000 | $ 92,500 |
| Asheville, NC | 1 | $ 175,000 | $ 175,000 | $ 209,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Carbondale-Marion, IL | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Casper, WY | 1 | $ 375,000 | $ 375,000 | $ 134,000 |
| Champaign-Urbana, IL | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Fort Worth-Arlington, TX | 1 | $ 225,000 | $ 225,000 | $ 150,000 |
| Gettysburg, PA | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 975,000 | $ 975,000 | $ 1,947,000 |
| Manhattan, KS | 1 | $ 295,000 | $ 295,000 | $ 189,000 |
| Parkersburg-Vienna, WV | 1 | $ 485,000 | $ 485,000 | $ 364,000 |
| Springfield, IL | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2019
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 | 3,092 | $850,850,000 | $275,000 | $3,875,000 | $142,000 | $2,971,000 |
| Refinancing | 1,336 | $331,100,000 | $247,000 | $2,525,000 | $129,000 | $1,658,000 |
| Home Improvement | 295 | $34,605,000 | $117,000 | $1,015,000 | $134,000 | $2,412,000 |
| Other Purpose | 22 | $3,460,000 | $157,000 | $395,000 | $158,000 | $663,000 |
| Cash-out Refinancing | 10 | $3,940,000 | $394,000 | $1,475,000 | $119,000 | $262,000 |
| Not Applicable | 5 | $1,145,000 | $229,000 | $685,000 | $80,000 | $80,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 3,064 | $815,180,000 | $266,000 | $2,475,000 | $139,000 | $2,971,000 |
| White | 1,645 | $389,615,000 | $236,000 | $2,525,000 | $134,000 | $2,412,000 |
| Hispanic | 24 | $6,590,000 | $274,000 | $815,000 | $129,000 | $375,000 |
| Not applicable | 11 | $5,955,000 | $541,000 | $3,055,000 | $666,000 | $1,947,000 |
| Black or African American | 5 | $1,755,000 | $351,000 | $1,005,000 | $153,000 | $216,000 |
| American Indian or Alaskan Native | 5 | $4,695,000 | $939,000 | $3,875,000 | $487,000 | $1,904,000 |
| Asian | 2 | $400,000 | $200,000 | $265,000 | $28,000 | $35,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $68,000 | $68,000 |
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) | 4,760 | $1,225,100,000 | $257,000 | $3,875,000 | $138,000 | $2,971,000 |
| 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 | 2,808 | $737,160,000 | $262,000 | $3,875,000 | $154,000 | $2,971,000 |
| Application Approved But Not Accepted | 772 | $208,840,000 | $270,000 | $1,655,000 | $132,000 | $2,480,000 |
| Application Denied By Financial Institution | 660 | $160,530,000 | $243,000 | $2,315,000 | $93,000 | $1,607,000 |
| Application Withdrawn By Applicant | 520 | $118,570,000 | $228,000 | $1,085,000 | $115,000 | $693,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,100 | $1,064,570,000 | $259,000 | $3,875,000 | $145,000 | $2,971,000 |
| Debt-To-Income Ratio | 538 | $136,140,000 | $253,000 | $2,315,000 | $90,000 | $1,607,000 |
| Credit History | 63 | $11,785,000 | $187,000 | $525,000 | $112,000 | $317,000 |
| Collateral | 33 | $7,565,000 | $229,000 | $995,000 | $97,000 | $202,000 |
| Other | 12 | $1,520,000 | $126,000 | $235,000 | $90,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $2,945,000 | $267,000 | $495,000 | $94,000 | $175,000 |
| Unverifiable Information | 2 | $470,000 | $235,000 | $405,000 | $99,000 | $103,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 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 2019 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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