Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2022
In 2022, Farm Credit Mid-America, Aca of Louisville, KY reported 5,504 mortgage applications totaling $1.9 billion, down 30% from 2021. The average application was for $350,357, and applicants reported an average income of $174,049. 63% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (328), Cincinnati, OH-KY-IN (146) and Columbus, OH (124) (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 | 5,504 |
| Total Mortgage Loan Application Amount | $1,928,370,000 |
| Average Mortgage Loan Application Amount | $350,357 |
| Highest Mortgage Loan Application Amount | $4,205,000 |
| Average Applicant Income | $174,049 |
| Highest Applicant Income | $7,002,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,338 | $ 719,470,000 | $ 307,728 | $ 165,369 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 328 | $ 156,950,000 | $ 478,506 | $ 218,000 |
| Cincinnati, OH-KY-IN | 146 | $ 57,850,000 | $ 396,232 | $ 205,184 |
| Columbus, OH | 124 | $ 43,360,000 | $ 349,677 | $ 169,000 |
| Louisville/Jefferson County, KY-IN | 109 | $ 39,305,000 | $ 360,596 | $ 178,733 |
| Knoxville, TN | 96 | $ 40,060,000 | $ 417,291 | $ 167,000 |
| Cleveland-Elyria, OH | 88 | $ 26,140,000 | $ 297,045 | $ 171,000 |
| Indianapolis-Carmel-Anderson, IN | 84 | $ 31,190,000 | $ 371,309 | $ 184,000 |
| Clarksville, TN-KY | 55 | $ 18,895,000 | $ 343,545 | $ 172,690 |
| Dayton-Springfield-Kettering, OH | 53 | $ 17,285,000 | $ 326,132 | $ 173,000 |
| Morristown, TN | 51 | $ 18,815,000 | $ 368,921 | $ 131,000 |
| Des Moines-West Des Moines, IA | 49 | $ 21,765,000 | $ 444,183 | $ 305,000 |
| Memphis, TN-MS-AR | 47 | $ 17,625,000 | $ 375,000 | $ 184,000 |
| Omaha-Council Bluffs, NE-IA | 46 | $ 17,730,000 | $ 385,434 | $ 167,652 |
| Gary, IN | 45 | $ 17,305,000 | $ 384,555 | $ 226,000 |
| Lexington-Fayette, KY | 40 | $ 21,170,000 | $ 529,250 | $ 250,000 |
| Bowling Green, KY | 38 | $ 9,740,000 | $ 256,315 | $ 214,000 |
| Elkhart-Goshen, IN | 37 | $ 11,115,000 | $ 300,405 | $ 142,000 |
| Canton-Massillon, OH | 36 | $ 10,510,000 | $ 291,944 | $ 227,000 |
| Owensboro, KY | 36 | $ 11,910,000 | $ 330,833 | $ 153,000 |
| Lafayette-West Lafayette, IN | 35 | $ 8,165,000 | $ 233,285 | $ 147,000 |
| Johnson City, TN | 34 | $ 13,600,000 | $ 400,000 | $ 275,000 |
| Youngstown-Warren-Boardman, OH-PA | 33 | $ 8,085,000 | $ 245,000 | $ 133,000 |
| Michigan City-La Porte, IN | 30 | $ 8,420,000 | $ 280,666 | $ 179,000 |
| Elizabethtown-Fort Knox, KY | 29 | $ 5,595,000 | $ 192,931 | $ 139,000 |
| Jackson, TN | 27 | $ 8,465,000 | $ 313,518 | $ 134,000 |
| Bloomington, IN | 25 | $ 7,865,000 | $ 314,600 | $ 123,000 |
| Fort Wayne, IN | 25 | $ 6,635,000 | $ 265,400 | $ 122,000 |
| Kingsport-Bristol-Bristol, TN-VA | 25 | $ 6,225,000 | $ 249,000 | $ 125,000 |
| Topeka, KS | 25 | $ 8,855,000 | $ 354,200 | $ 156,000 |
| Kansas City, MO-KS | 24 | $ 10,690,000 | $ 445,416 | $ 225,000 |
| Lincoln, NE | 23 | $ 8,815,000 | $ 383,260 | $ 154,000 |
| Springfield, OH | 22 | $ 6,700,000 | $ 304,545 | $ 127,000 |
| Terre Haute, IN | 22 | $ 6,950,000 | $ 315,909 | $ 156,000 |
| Huntington-Ashland, WV-KY-OH | 21 | $ 7,515,000 | $ 357,857 | $ 212,333 |
| Akron, OH | 18 | $ 5,100,000 | $ 283,333 | $ 144,000 |
| St. Louis, MO-IL | 18 | $ 6,010,000 | $ 333,888 | $ 165,500 |
| Evansville, IN-KY | 16 | $ 3,890,000 | $ 243,125 | $ 283,687 |
| Chattanooga, TN-GA | 13 | $ 3,535,000 | $ 271,923 | $ 112,000 |
| Houston-The Woodlands-Sugar Land, TX | 13 | $ 7,785,000 | $ 598,846 | $ 245,000 |
| San Antonio-New Braunfels, TX | 12 | $ 6,780,000 | $ 565,000 | $ 208,000 |
| South Bend-Mishawaka, IN-MI | 12 | $ 2,570,000 | $ 214,166 | $ 115,000 |
| Cleveland, TN | 11 | $ 4,505,000 | $ 409,545 | $ 240,000 |
| Sioux Falls, SD | 11 | $ 6,445,000 | $ 585,909 | $ 216,000 |
| Columbus, IN | 10 | $ 4,130,000 | $ 413,000 | $ 157,000 |
| Wheeling, WV-OH | 10 | $ 3,210,000 | $ 321,000 | $ 104,000 |
| Kokomo, IN | 9 | $ 2,365,000 | $ 262,777 | $ 109,000 |
| Muncie, IN | 9 | $ 2,355,000 | $ 261,666 | $ 177,000 |
| Rapid City, SD | 9 | $ 3,525,000 | $ 391,666 | $ 227,000 |
| Ames, IA | 8 | $ 3,210,000 | $ 401,250 | $ 169,000 |
| Casper, WY | 8 | $ 3,660,000 | $ 457,500 | $ 201,000 |
| Lawrence, KS | 8 | $ 4,280,000 | $ 535,000 | $ 276,000 |
| Manhattan, KS | 8 | $ 3,730,000 | $ 466,250 | $ 212,000 |
| Mansfield, OH | 8 | $ 2,340,000 | $ 292,500 | $ 140,000 |
| Cedar Rapids, IA | 7 | $ 3,475,000 | $ 496,428 | $ 127,000 |
| Toledo, OH | 7 | $ 1,385,000 | $ 197,857 | $ 118,000 |
| Waterloo-Cedar Falls, IA | 7 | $ 2,075,000 | $ 296,428 | $ 107,000 |
| Champaign-Urbana, IL | 6 | $ 1,540,000 | $ 256,666 | $ 204,000 |
| Corpus Christi, TX | 6 | $ 3,380,000 | $ 563,333 | $ 307,000 |
| Dallas-Plano-Irving, TX | 6 | $ 3,100,000 | $ 516,666 | $ 174,000 |
| Las Cruces, NM | 6 | $ 2,550,000 | $ 425,000 | $ 154,000 |
| Weirton-Steubenville, WV-OH | 6 | $ 1,080,000 | $ 180,000 | $ 68,000 |
| Longview, TX | 5 | $ 2,285,000 | $ 457,000 | $ 235,000 |
| Sioux City, IA-NE-SD | 5 | $ 2,025,000 | $ 405,000 | $ 210,400 |
| Beaumont-Port Arthur, TX | 4 | $ 1,570,000 | $ 392,500 | $ 177,000 |
| Brownsville-Harlingen, TX | 4 | $ 2,230,000 | $ 557,500 | $ 237,000 |
| Carbondale-Marion, IL | 4 | $ 980,000 | $ 245,000 | $ 104,000 |
| Davenport-Moline-Rock Island, IA-IL | 4 | $ 710,000 | $ 177,500 | $ 92,000 |
| Decatur, IL | 4 | $ 870,000 | $ 217,500 | $ 156,000 |
| Grand Island, NE | 4 | $ 1,420,000 | $ 355,000 | $ 174,000 |
| Lima, OH | 4 | $ 990,000 | $ 247,500 | $ 142,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 1,130,000 | $ 282,500 | $ 137,000 |
| Austin-Round Rock, TX | 3 | $ 1,335,000 | $ 445,000 | $ 177,000 |
| College Station-Bryan, TX | 3 | $ 745,000 | $ 248,333 | $ 174,000 |
| Colorado Springs, CO | 3 | $ 1,885,000 | $ 628,333 | $ 266,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 1,565,000 | $ 521,666 | $ 260,000 |
| Iowa City, IA | 3 | $ 575,000 | $ 191,666 | $ 146,000 |
| Sherman-Denison, TX | 3 | $ 1,895,000 | $ 631,666 | $ 284,000 |
| Springfield, IL | 3 | $ 665,000 | $ 221,666 | $ 150,000 |
| Tyler, TX | 3 | $ 2,305,000 | $ 768,333 | $ 238,000 |
| Albuquerque, NM | 2 | $ 470,000 | $ 235,000 | $ 107,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 1,330,000 | $ 665,000 | $ 2,996,000 |
| Cape Girardeau, MO-IL | 2 | $ 260,000 | $ 130,000 | $ 77,000 |
| Cheyenne, WY | 2 | $ 1,000,000 | $ 500,000 | $ 148,000 |
| Monroe, MI | 2 | $ 550,000 | $ 275,000 | $ 27,000 |
| Athens-Clarke County, GA | 1 | $ 675,000 | $ 675,000 | $ 205,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
| Charleston-North Charleston, SC | 1 | $ 675,000 | $ 675,000 | $ 844,000 |
| Danville, IL | 1 | $ 295,000 | $ 295,000 | $ 197,000 |
| Florence-Muscle Shoals, AL | 1 | $ 145,000 | $ 145,000 | $ 1,165,000 |
| Gainesville, GA | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Jonesboro, AR | 1 | $ 265,000 | $ 265,000 | $ 352,000 |
| Killeen-Temple, TX | 1 | $ 495,000 | $ 495,000 | $ 422,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 385,000 | $ 385,000 | $ 183,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 435,000 | $ 435,000 | $ 118,000 |
| Ocala, FL | 1 | $ 225,000 | $ 225,000 | $ 3,785,000 |
| Odessa, TX | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Pueblo, CO | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Roanoke, VA | 1 | $ 25,000 | $ 25,000 | $ 2,047,000 |
| Spartanburg, SC | 1 | $ 1,095,000 | $ 1,095,000 | $ 855,000 |
| St. Joseph, MO-KS | 1 | $ 605,000 | $ 605,000 | $ 142,000 |
| Texarkana, TX-AR | 1 | $ 295,000 | $ 295,000 | $ 123,000 |
| Victoria, TX | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 965,000 | $ 965,000 | $ 201,000 |
| Wichita, KS | 1 | $ 545,000 | $ 545,000 | $ 165,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2022
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 | 4,232 | $1,607,540,000 | $379,000 | $4,205,000 | $180,000 | $7,002,000 |
| Refinancing | 909 | $255,875,000 | $281,000 | $2,385,000 | $150,000 | $5,833,000 |
| Home Improvement | 344 | $61,840,000 | $179,000 | $1,395,000 | $166,000 | $1,982,000 |
| Other Purpose | 14 | $1,940,000 | $138,000 | $375,000 | $154,000 | $409,000 |
| Cash-out Refinancing | 5 | $1,175,000 | $235,000 | $625,000 | $120,000 | $181,000 |
| Not Applicable | 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 | 4,669 | $1,632,695,000 | $349,000 | $4,205,000 | $170,000 | $7,002,000 |
| Not Provided | 716 | $253,040,000 | $353,000 | $2,135,000 | $204,000 | $5,833,000 |
| Hispanic | 49 | $13,945,000 | $284,000 | $745,000 | $148,000 | $491,000 |
| American Indian or Alaskan Native | 23 | $9,405,000 | $408,000 | $845,000 | $201,000 | $482,000 |
| Black or African American | 23 | $7,315,000 | $318,000 | $585,000 | $122,000 | $383,000 |
| Asian | 15 | $7,005,000 | $467,000 | $865,000 | $120,000 | $281,000 |
| Not applicable | 2 | $410,000 | $205,000 | $355,000 | $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) | 5,504 | $1,928,370,000 | $350,000 | $4,205,000 | $174,000 | $7,002,000 |
| 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 | 3,492 | $1,198,910,000 | $343,000 | $3,555,000 | $199,000 | $7,002,000 |
| Application Approved But Not Accepted | 1,141 | $417,755,000 | $366,000 | $2,725,000 | $156,000 | $3,884,000 |
| Application Denied By Financial Institution | 506 | $176,820,000 | $349,000 | $4,205,000 | $97,000 | $687,000 |
| File Closed For Incompleteness | 206 | $81,600,000 | $396,000 | $2,135,000 | $121,000 | $835,000 |
| Application Withdrawn By Applicant | 159 | $53,285,000 | $335,000 | $1,315,000 | $88,000 | $2,047,000 |
| 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 | 4,998 | $1,751,550,000 | $350,000 | $3,555,000 | $182,000 | $7,002,000 |
| Debt-To-Income Ratio | 267 | $93,475,000 | $350,000 | $1,315,000 | $101,000 | $564,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 163 | $56,185,000 | $344,000 | $1,505,000 | $76,000 | $237,000 |
| Credit History | 42 | $12,070,000 | $287,000 | $965,000 | $118,000 | $402,000 |
| Collateral | 29 | $13,765,000 | $474,000 | $4,205,000 | $148,000 | $687,000 |
| Unverifiable Information | 3 | $965,000 | $321,000 | $485,000 | $82,000 | $130,000 |
| Other | 2 | $360,000 | $180,000 | $215,000 | $39,000 | $50,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca's 2022 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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