Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2021
In 2021, Farm Credit Mid-America, Aca of Louisville, KY reported 7,823 mortgage applications totaling $2.6 billion, down 12% from 2020. The average application was for $326,811, and applicants reported an average income of $157,673. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (452), Cincinnati, OH-KY-IN (233) and Columbus, OH (199) (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 | 7,823 |
| Total Mortgage Loan Application Amount | $2,556,645,000 |
| Average Mortgage Loan Application Amount | $326,811 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $157,673 |
| Highest Applicant Income | $5,803,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,230 | $ 933,000,000 | $ 288,854 | $ 152,378 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 452 | $ 211,490,000 | $ 467,898 | $ 225,000 |
| Cincinnati, OH-KY-IN | 233 | $ 79,365,000 | $ 340,622 | $ 164,609 |
| Columbus, OH | 199 | $ 67,965,000 | $ 341,532 | $ 189,000 |
| Louisville/Jefferson County, KY-IN | 151 | $ 56,475,000 | $ 374,006 | $ 165,000 |
| Knoxville, TN | 135 | $ 63,325,000 | $ 469,074 | $ 189,000 |
| Indianapolis-Carmel-Anderson, IN | 125 | $ 40,165,000 | $ 321,320 | $ 169,000 |
| Clarksville, TN-KY | 110 | $ 32,810,000 | $ 298,272 | $ 144,690 |
| Cleveland-Elyria, OH | 102 | $ 27,900,000 | $ 273,529 | $ 132,000 |
| Morristown, TN | 71 | $ 26,875,000 | $ 378,521 | $ 148,000 |
| Canton-Massillon, OH | 69 | $ 18,265,000 | $ 264,710 | $ 121,000 |
| Dayton-Springfield-Kettering, OH | 61 | $ 20,285,000 | $ 332,540 | $ 180,000 |
| Elkhart-Goshen, IN | 59 | $ 20,175,000 | $ 341,949 | $ 129,000 |
| Des Moines-West Des Moines, IA | 54 | $ 20,020,000 | $ 370,740 | $ 177,000 |
| Bowling Green, KY | 53 | $ 12,665,000 | $ 238,962 | $ 170,000 |
| Memphis, TN-MS-AR | 53 | $ 19,015,000 | $ 358,773 | $ 210,000 |
| Gary, IN | 51 | $ 14,465,000 | $ 283,627 | $ 146,000 |
| Owensboro, KY | 48 | $ 11,480,000 | $ 239,166 | $ 120,000 |
| Youngstown-Warren-Boardman, OH-PA | 48 | $ 10,420,000 | $ 217,083 | $ 100,000 |
| Fort Wayne, IN | 46 | $ 12,790,000 | $ 278,043 | $ 140,000 |
| Lexington-Fayette, KY | 43 | $ 17,575,000 | $ 408,720 | $ 148,000 |
| Omaha-Council Bluffs, NE-IA | 43 | $ 11,795,000 | $ 274,302 | $ 145,697 |
| Elizabethtown-Fort Knox, KY | 40 | $ 10,330,000 | $ 258,250 | $ 123,000 |
| Evansville, IN-KY | 38 | $ 10,490,000 | $ 276,052 | $ 127,868 |
| Johnson City, TN | 38 | $ 13,430,000 | $ 353,421 | $ 143,000 |
| Lafayette-West Lafayette, IN | 38 | $ 11,720,000 | $ 308,421 | $ 310,000 |
| San Antonio-New Braunfels, TX | 38 | $ 24,340,000 | $ 640,526 | $ 261,000 |
| Kansas City, MO-KS | 37 | $ 15,315,000 | $ 413,918 | $ 184,486 |
| Terre Haute, IN | 37 | $ 7,315,000 | $ 197,702 | $ 106,000 |
| Akron, OH | 33 | $ 8,265,000 | $ 250,454 | $ 109,000 |
| Jackson, TN | 32 | $ 10,110,000 | $ 315,937 | $ 136,000 |
| Bloomington, IN | 31 | $ 8,255,000 | $ 266,290 | $ 153,000 |
| St. Louis, MO-IL | 29 | $ 11,565,000 | $ 398,793 | $ 291,000 |
| Kingsport-Bristol-Bristol, TN-VA | 28 | $ 9,160,000 | $ 327,142 | $ 135,000 |
| Chattanooga, TN-GA | 27 | $ 11,305,000 | $ 418,703 | $ 231,666 |
| Topeka, KS | 27 | $ 9,365,000 | $ 346,851 | $ 171,000 |
| Sioux Falls, SD | 26 | $ 12,050,000 | $ 463,461 | $ 214,000 |
| Kokomo, IN | 22 | $ 5,520,000 | $ 250,909 | $ 117,000 |
| Lincoln, NE | 21 | $ 6,485,000 | $ 308,809 | $ 145,000 |
| Cedar Rapids, IA | 18 | $ 6,080,000 | $ 337,777 | $ 125,000 |
| Springfield, OH | 18 | $ 6,290,000 | $ 349,444 | $ 168,000 |
| Manhattan, KS | 17 | $ 6,275,000 | $ 369,117 | $ 190,000 |
| Columbus, IN | 16 | $ 6,070,000 | $ 379,375 | $ 170,000 |
| Houston-The Woodlands-Sugar Land, TX | 16 | $ 11,990,000 | $ 749,375 | $ 270,000 |
| Mansfield, OH | 16 | $ 5,010,000 | $ 313,125 | $ 129,000 |
| Muncie, IN | 16 | $ 3,510,000 | $ 219,375 | $ 109,000 |
| Cleveland, TN | 15 | $ 4,975,000 | $ 331,666 | $ 161,000 |
| Huntington-Ashland, WV-KY-OH | 15 | $ 4,265,000 | $ 284,333 | $ 176,200 |
| Michigan City-La Porte, IN | 13 | $ 4,785,000 | $ 368,076 | $ 193,000 |
| Toledo, OH | 13 | $ 3,715,000 | $ 285,769 | $ 127,000 |
| Wheeling, WV-OH | 13 | $ 3,435,000 | $ 264,230 | $ 104,000 |
| Carbondale-Marion, IL | 12 | $ 4,110,000 | $ 342,500 | $ 196,000 |
| Champaign-Urbana, IL | 12 | $ 3,120,000 | $ 260,000 | $ 156,000 |
| Iowa City, IA | 12 | $ 4,500,000 | $ 375,000 | $ 162,000 |
| Waterloo-Cedar Falls, IA | 12 | $ 2,400,000 | $ 200,000 | $ 193,000 |
| Ames, IA | 11 | $ 3,125,000 | $ 284,090 | $ 142,000 |
| Davenport-Moline-Rock Island, IA-IL | 11 | $ 5,055,000 | $ 459,545 | $ 248,818 |
| Grand Island, NE | 11 | $ 2,835,000 | $ 257,727 | $ 105,000 |
| Lawrence, KS | 11 | $ 5,385,000 | $ 489,545 | $ 174,000 |
| South Bend-Mishawaka, IN-MI | 11 | $ 3,095,000 | $ 281,363 | $ 100,000 |
| Weirton-Steubenville, WV-OH | 11 | $ 2,565,000 | $ 233,181 | $ 123,000 |
| Dallas-Plano-Irving, TX | 10 | $ 6,810,000 | $ 681,000 | $ 283,000 |
| Lima, OH | 10 | $ 3,180,000 | $ 318,000 | $ 111,000 |
| Rapid City, SD | 9 | $ 3,875,000 | $ 430,555 | $ 146,000 |
| Corpus Christi, TX | 8 | $ 3,060,000 | $ 382,500 | $ 170,000 |
| Sioux City, IA-NE-SD | 8 | $ 4,720,000 | $ 590,000 | $ 184,625 |
| Casper, WY | 7 | $ 3,165,000 | $ 452,142 | $ 189,000 |
| Longview, TX | 7 | $ 3,685,000 | $ 526,428 | $ 313,000 |
| Sherman-Denison, TX | 7 | $ 4,285,000 | $ 612,142 | $ 226,000 |
| Austin-Round Rock, TX | 5 | $ 3,495,000 | $ 699,000 | $ 120,000 |
| Beaumont-Port Arthur, TX | 5 | $ 2,245,000 | $ 449,000 | $ 107,000 |
| Cheyenne, WY | 5 | $ 2,125,000 | $ 425,000 | $ 216,000 |
| McAllen-Edinburg-Mission, TX | 5 | $ 2,715,000 | $ 543,000 | $ 204,000 |
| Dubuque, IA | 4 | $ 2,070,000 | $ 517,500 | $ 159,000 |
| Brownsville-Harlingen, TX | 3 | $ 1,395,000 | $ 465,000 | $ 150,000 |
| Danville, IL | 3 | $ 705,000 | $ 235,000 | $ 191,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,235,000 | $ 411,666 | $ 802,000 |
| St. Joseph, MO-KS | 3 | $ 1,105,000 | $ 368,333 | $ 155,000 |
| Bloomington, IL | 2 | $ 480,000 | $ 240,000 | $ 173,000 |
| Charleston-North Charleston, SC | 2 | $ 860,000 | $ 430,000 | $ 1,245,000 |
| Decatur, IL | 2 | $ 160,000 | $ 80,000 | $ 86,000 |
| Florence-Muscle Shoals, AL | 2 | $ 1,020,000 | $ 510,000 | $ 256,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 780,000 | $ 390,000 | $ 184,000 |
| Panama City, FL | 2 | $ 510,000 | $ 255,000 | $ 129,000 |
| Springfield, IL | 2 | $ 220,000 | $ 110,000 | $ 49,000 |
| Tyler, TX | 2 | $ 950,000 | $ 475,000 | $ 148,000 |
| Wichita, KS | 2 | $ 430,000 | $ 215,000 | $ 142,000 |
| Albuquerque, NM | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Cape Girardeau, MO-IL | 1 | $ 405,000 | $ 405,000 | $ 357,000 |
| College Station-Bryan, TX | 1 | $ 425,000 | $ 425,000 | $ 156,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 905,000 | $ 905,000 | $ 838,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 122,000 |
| Jackson, MS | 1 | $ 515,000 | $ 515,000 | $ 173,000 |
| Killeen-Temple, TX | 1 | $ 1,175,000 | $ 1,175,000 | $ 225,000 |
| Las Cruces, NM | 1 | $ 715,000 | $ 715,000 | $ 491,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 3,125,000 | $ 3,125,000 | $ 335,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,635,000 | $ 1,635,000 | $ 3,654,000 |
| Niles-Benton Harbor, MI | 1 | $ 285,000 | $ 285,000 | $ 107,000 |
| Peoria, IL | 1 | $ 335,000 | $ 335,000 | $ 178,000 |
| Pittsburgh, PA | 1 | $ 945,000 | $ 945,000 | $ 425,000 |
| Providence-Warwick, RI-MA | 1 | $ 905,000 | $ 905,000 | $ 520,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 1,375,000 | $ 1,375,000 | $ 0 |
| San Diego-Carlsbad, CA | 1 | $ 1,025,000 | $ 1,025,000 | $ 210,000 |
| St. Cloud, MN | 1 | $ 415,000 | $ 415,000 | $ 125,000 |
| Texarkana, TX-AR | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Waco, TX | 1 | $ 525,000 | $ 525,000 | $ 203,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 1,025,000 | $ 1,025,000 | $ 410,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2021
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 | 5,033 | $1,809,785,000 | $359,000 | $4,005,000 | $165,000 | $5,803,000 |
| Refinancing | 2,490 | $703,310,000 | $282,000 | $3,125,000 | $144,000 | $3,654,000 |
| Home Improvement | 289 | $41,455,000 | $143,000 | $905,000 | $148,000 | $1,137,000 |
| Cash-out Refinancing | 11 | $2,095,000 | $190,000 | $375,000 | $155,000 | $322,000 |
| 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 | 6,989 | $2,247,835,000 | $321,000 | $4,005,000 | $153,000 | $5,803,000 |
| Not Provided | 675 | $245,035,000 | $363,000 | $3,125,000 | $196,000 | $5,156,000 |
| Hispanic | 89 | $33,615,000 | $377,000 | $2,235,000 | $182,000 | $1,449,000 |
| American Indian or Alaskan Native | 29 | $11,065,000 | $381,000 | $2,325,000 | $207,000 | $986,000 |
| Black or African American | 20 | $8,700,000 | $435,000 | $1,105,000 | $174,000 | $458,000 |
| Asian | 19 | $9,775,000 | $514,000 | $1,865,000 | $272,000 | $1,891,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $325,000 | $325,000 | $325,000 | $111,000 | $111,000 |
| Not applicable | 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) | 7,823 | $2,556,645,000 | $326,000 | $4,005,000 | $158,000 | $5,803,000 |
| 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 | 5,273 | $1,730,175,000 | $328,000 | $4,005,000 | $172,000 | $5,803,000 |
| Application Denied By Financial Institution | 831 | $280,805,000 | $337,000 | $2,455,000 | $121,000 | $3,043,000 |
| Application Withdrawn By Applicant | 798 | $244,460,000 | $306,000 | $3,365,000 | $116,000 | $2,096,000 |
| Application Approved But Not Accepted | 552 | $178,030,000 | $322,000 | $1,835,000 | $145,000 | $2,236,000 |
| Preapproval Denied by Financial Institution | 311 | $99,335,000 | $319,000 | $1,195,000 | $141,000 | $2,265,000 |
| File Closed For Incompleteness | 39 | $16,825,000 | $431,000 | $1,815,000 | $142,000 | $518,000 |
| Preapproval Approved but not Accepted | 19 | $7,015,000 | $369,000 | $995,000 | $179,000 | $966,000 |
| Loan Purchased By The 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 | 6,681 | $2,176,505,000 | $325,000 | $4,005,000 | $163,000 | $5,803,000 |
| Debt-To-Income Ratio | 533 | $173,485,000 | $325,000 | $1,595,000 | $127,000 | $2,423,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 449 | $150,595,000 | $335,000 | $2,455,000 | $134,000 | $3,043,000 |
| Collateral | 98 | $33,270,000 | $339,000 | $1,735,000 | $104,000 | $385,000 |
| Credit History | 35 | $8,985,000 | $256,000 | $615,000 | $86,000 | $194,000 |
| Employment History | 14 | $8,060,000 | $575,000 | $1,445,000 | $124,000 | $239,000 |
| Other | 11 | $5,425,000 | $493,000 | $1,925,000 | $120,000 | $343,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $167,000 | $167,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $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 2021 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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