Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2020
In 2020, Farm Credit Mid-America, Aca of Louisville, KY reported 8,931 mortgage applications totaling $2.5 billion, up 88% from 2019. The average application was for $282,002, and applicants reported an average income of $140,825. 66% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (553), Cincinnati, OH-KY-IN (280) and Columbus, OH (253) (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 | 8,931 |
| Total Mortgage Loan Application Amount | $2,518,565,000 |
| Average Mortgage Loan Application Amount | $282,002 |
| Highest Mortgage Loan Application Amount | $4,795,000 |
| Average Applicant Income | $140,825 |
| Highest Applicant Income | $4,406,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,225 | $ 1,060,285,000 | $ 250,955 | $ 129,003 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 553 | $ 221,605,000 | $ 400,732 | $ 192,000 |
| Cincinnati, OH-KY-IN | 280 | $ 90,040,000 | $ 321,571 | $ 147,057 |
| Columbus, OH | 253 | $ 75,085,000 | $ 296,778 | $ 170,000 |
| Knoxville, TN | 200 | $ 68,990,000 | $ 344,950 | $ 148,000 |
| Indianapolis-Carmel-Anderson, IN | 187 | $ 52,245,000 | $ 279,385 | $ 131,000 |
| Cleveland-Elyria, OH | 163 | $ 41,475,000 | $ 254,447 | $ 117,000 |
| Louisville/Jefferson County, KY-IN | 149 | $ 42,595,000 | $ 285,872 | $ 155,604 |
| Clarksville, TN-KY | 113 | $ 27,445,000 | $ 242,876 | $ 109,884 |
| Omaha-Council Bluffs, NE-IA | 87 | $ 27,535,000 | $ 316,494 | $ 172,356 |
| Canton-Massillon, OH | 86 | $ 22,590,000 | $ 262,674 | $ 119,000 |
| Dayton-Springfield-Kettering, OH | 86 | $ 27,320,000 | $ 317,674 | $ 165,000 |
| Des Moines-West Des Moines, IA | 71 | $ 21,685,000 | $ 305,422 | $ 189,000 |
| Memphis, TN-MS-AR | 70 | $ 24,300,000 | $ 347,142 | $ 237,614 |
| Bowling Green, KY | 69 | $ 18,155,000 | $ 263,115 | $ 110,000 |
| Morristown, TN | 68 | $ 19,440,000 | $ 285,882 | $ 150,000 |
| Elizabethtown-Fort Knox, KY | 66 | $ 15,530,000 | $ 235,303 | $ 139,000 |
| Youngstown-Warren-Boardman, OH-PA | 65 | $ 12,745,000 | $ 196,076 | $ 101,000 |
| Gary, IN | 61 | $ 18,245,000 | $ 299,098 | $ 161,000 |
| Fort Wayne, IN | 59 | $ 14,565,000 | $ 246,864 | $ 108,000 |
| Owensboro, KY | 57 | $ 14,145,000 | $ 248,157 | $ 123,000 |
| Elkhart-Goshen, IN | 56 | $ 16,080,000 | $ 287,142 | $ 85,000 |
| Lafayette-West Lafayette, IN | 56 | $ 14,480,000 | $ 258,571 | $ 133,000 |
| Lexington-Fayette, KY | 56 | $ 24,760,000 | $ 442,142 | $ 172,000 |
| Kansas City, MO-KS | 53 | $ 20,475,000 | $ 386,320 | $ 242,849 |
| Jackson, TN | 51 | $ 14,955,000 | $ 293,235 | $ 166,000 |
| Kingsport-Bristol-Bristol, TN-VA | 49 | $ 14,915,000 | $ 304,387 | $ 127,000 |
| Lincoln, NE | 43 | $ 11,455,000 | $ 266,395 | $ 151,000 |
| Terre Haute, IN | 42 | $ 10,540,000 | $ 250,952 | $ 109,000 |
| Akron, OH | 39 | $ 8,555,000 | $ 219,358 | $ 108,000 |
| Chattanooga, TN-GA | 38 | $ 12,940,000 | $ 340,526 | $ 144,473 |
| St. Louis, MO-IL | 36 | $ 9,360,000 | $ 260,000 | $ 141,305 |
| Evansville, IN-KY | 35 | $ 9,705,000 | $ 277,285 | $ 115,800 |
| Johnson City, TN | 35 | $ 9,485,000 | $ 271,000 | $ 149,000 |
| Michigan City-La Porte, IN | 30 | $ 8,210,000 | $ 273,666 | $ 127,000 |
| Bloomington, IN | 29 | $ 7,505,000 | $ 258,793 | $ 158,000 |
| Topeka, KS | 28 | $ 7,700,000 | $ 275,000 | $ 146,000 |
| Waterloo-Cedar Falls, IA | 28 | $ 8,140,000 | $ 290,714 | $ 154,000 |
| South Bend-Mishawaka, IN-MI | 27 | $ 6,415,000 | $ 237,592 | $ 128,000 |
| Ames, IA | 26 | $ 8,510,000 | $ 327,307 | $ 137,000 |
| Cleveland, TN | 26 | $ 9,240,000 | $ 355,384 | $ 176,000 |
| Sioux Falls, SD | 26 | $ 8,520,000 | $ 327,692 | $ 128,000 |
| Huntington-Ashland, WV-KY-OH | 23 | $ 5,735,000 | $ 249,347 | $ 121,565 |
| Toledo, OH | 23 | $ 4,125,000 | $ 179,347 | $ 170,000 |
| Columbus, IN | 21 | $ 5,625,000 | $ 267,857 | $ 146,000 |
| Iowa City, IA | 19 | $ 6,435,000 | $ 338,684 | $ 166,000 |
| Grand Island, NE | 18 | $ 4,820,000 | $ 267,777 | $ 121,000 |
| Manhattan, KS | 18 | $ 4,420,000 | $ 245,555 | $ 123,000 |
| Wheeling, WV-OH | 18 | $ 4,120,000 | $ 228,888 | $ 115,000 |
| Cedar Rapids, IA | 17 | $ 5,655,000 | $ 332,647 | $ 137,000 |
| Kokomo, IN | 17 | $ 3,225,000 | $ 189,705 | $ 96,000 |
| Mansfield, OH | 17 | $ 3,945,000 | $ 232,058 | $ 114,000 |
| Rapid City, SD | 17 | $ 9,185,000 | $ 540,294 | $ 271,000 |
| Springfield, OH | 17 | $ 3,825,000 | $ 225,000 | $ 207,000 |
| Casper, WY | 13 | $ 4,575,000 | $ 351,923 | $ 181,000 |
| Muncie, IN | 13 | $ 2,875,000 | $ 221,153 | $ 148,000 |
| San Antonio-New Braunfels, TX | 13 | $ 7,495,000 | $ 576,538 | $ 270,000 |
| Champaign-Urbana, IL | 11 | $ 3,235,000 | $ 294,090 | $ 199,000 |
| Sioux City, IA-NE-SD | 11 | $ 2,295,000 | $ 208,636 | $ 158,545 |
| Cheyenne, WY | 9 | $ 2,755,000 | $ 306,111 | $ 116,000 |
| Carbondale-Marion, IL | 8 | $ 3,570,000 | $ 446,250 | $ 423,000 |
| Lawrence, KS | 8 | $ 2,490,000 | $ 311,250 | $ 430,000 |
| Dubuque, IA | 7 | $ 2,945,000 | $ 420,714 | $ 180,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 5,735,000 | $ 819,285 | $ 329,000 |
| Davenport-Moline-Rock Island, IA-IL | 6 | $ 1,280,000 | $ 213,333 | $ 154,000 |
| Lima, OH | 5 | $ 935,000 | $ 187,000 | $ 104,000 |
| Weirton-Steubenville, WV-OH | 5 | $ 985,000 | $ 197,000 | $ 102,000 |
| Beaumont-Port Arthur, TX | 4 | $ 1,320,000 | $ 330,000 | $ 245,000 |
| Dallas-Plano-Irving, TX | 4 | $ 2,040,000 | $ 510,000 | $ 193,000 |
| Decatur, IL | 4 | $ 1,160,000 | $ 290,000 | $ 156,000 |
| Springfield, IL | 4 | $ 930,000 | $ 232,500 | $ 133,000 |
| Danville, IL | 3 | $ 585,000 | $ 195,000 | $ 48,000 |
| Longview, TX | 3 | $ 935,000 | $ 311,666 | $ 226,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 2,985,000 | $ 995,000 | $ 621,000 |
| Tyler, TX | 3 | $ 1,705,000 | $ 568,333 | $ 184,000 |
| Corpus Christi, TX | 2 | $ 960,000 | $ 480,000 | $ 250,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 740,000 | $ 370,000 | $ 17,000 |
| Huntsville, AL | 2 | $ 720,000 | $ 360,000 | $ 126,000 |
| Kankakee, IL | 2 | $ 410,000 | $ 205,000 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 860,000 | $ 430,000 | $ 181,000 |
| Rochester, MN | 2 | $ 910,000 | $ 455,000 | $ 120,000 |
| Sherman-Denison, TX | 2 | $ 910,000 | $ 455,000 | $ 119,000 |
| St. Joseph, MO-KS | 2 | $ 520,000 | $ 260,000 | $ 173,000 |
| Wichita, KS | 2 | $ 520,000 | $ 260,000 | $ 344,000 |
| Austin-Round Rock, TX | 1 | $ 385,000 | $ 385,000 | $ 146,000 |
| Brownsville-Harlingen, TX | 1 | $ 335,000 | $ 335,000 | $ 354,000 |
| Brunswick, GA | 1 | $ 375,000 | $ 375,000 | $ 594,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Chicago-Naperville, IL | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| College Station-Bryan, TX | 1 | $ 265,000 | $ 265,000 | $ 111,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 855,000 | $ 855,000 | $ 232,000 |
| Durham-Chapel Hill, NC | 1 | $ 65,000 | $ 65,000 | $ 471,000 |
| Fort Collins, CO | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 65,000 | $ 65,000 | $ 76,000 |
| Jacksonville, FL | 1 | $ 265,000 | $ 265,000 | $ 195,000 |
| Lafayette, LA | 1 | $ 405,000 | $ 405,000 | $ 135,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 525,000 | $ 525,000 | $ 573,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 435,000 | $ 435,000 | $ 96,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 175,000 | $ 175,000 | $ 134,000 |
| Monroe, LA | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Peoria, IL | 1 | $ 345,000 | $ 345,000 | $ 430,000 |
| Pittsburgh, PA | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 885,000 | $ 885,000 | $ 256,000 |
| Tulsa, OK | 1 | $ 515,000 | $ 515,000 | $ 399,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2020
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 | 4,668 | $1,422,130,000 | $304,000 | $4,795,000 | $142,000 | $4,163,000 |
| Refinancing | 3,905 | $1,046,825,000 | $268,000 | $3,985,000 | $140,000 | $4,406,000 |
| Home Improvement | 347 | $46,765,000 | $134,000 | $985,000 | $128,000 | $1,607,000 |
| Cash-out Refinancing | 11 | $2,845,000 | $258,000 | $835,000 | $340,000 | $2,357,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 8,040 | $2,255,440,000 | $280,000 | $4,795,000 | $139,000 | $4,406,000 |
| Not Provided | 784 | $225,800,000 | $288,000 | $2,495,000 | $155,000 | $3,161,000 |
| Hispanic | 38 | $11,450,000 | $301,000 | $995,000 | $148,000 | $427,000 |
| American Indian or Alaskan Native | 28 | $6,590,000 | $235,000 | $655,000 | $174,000 | $1,176,000 |
| Black or African American | 13 | $6,645,000 | $511,000 | $1,135,000 | $189,000 | $320,000 |
| Asian | 4 | $1,250,000 | $312,000 | $515,000 | $271,000 | $701,000 |
| Not applicable | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $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) | 8,931 | $2,518,565,000 | $282,000 | $4,795,000 | $141,000 | $4,406,000 |
| 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 | 5,918 | $1,677,750,000 | $283,000 | $4,795,000 | $158,000 | $4,406,000 |
| Application Approved But Not Accepted | 1,264 | $333,560,000 | $263,000 | $3,985,000 | $119,000 | $2,871,000 |
| Application Denied By Financial Institution | 895 | $263,495,000 | $294,000 | $4,535,000 | $90,000 | $1,217,000 |
| Application Withdrawn By Applicant | 854 | $243,760,000 | $285,000 | $1,985,000 | $101,000 | $2,836,000 |
| 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 | 8,036 | $2,255,070,000 | $280,000 | $4,795,000 | $146,000 | $4,406,000 |
| Debt-To-Income Ratio | 724 | $216,150,000 | $298,000 | $4,535,000 | $87,000 | $1,217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 84 | $23,410,000 | $278,000 | $1,375,000 | $84,000 | $277,000 |
| Collateral | 39 | $11,115,000 | $285,000 | $765,000 | $129,000 | $708,000 |
| Credit History | 39 | $8,515,000 | $218,000 | $505,000 | $105,000 | $247,000 |
| Other | 8 | $3,970,000 | $496,000 | $2,025,000 | $179,000 | $464,000 |
| Employment History | 1 | $335,000 | $335,000 | $335,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2020 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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