Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2023
In 2023, Farm Credit Mid-America, Aca of Louisville, KY reported 4,846 mortgage applications totaling $1.8 billion, down 12% from 2022. The average application was for $366,650, and applicants reported an average income of $199,148. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (278), Cincinnati, OH-KY-IN (131) and Columbus, OH (113) (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 | 4,846 |
| Total Mortgage Loan Application Amount | $1,776,790,000 |
| Average Mortgage Loan Application Amount | $366,650 |
| Highest Mortgage Loan Application Amount | $4,715,000 |
| Average Applicant Income | $199,148 |
| Highest Applicant Income | $9,179,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,860 | $ 1,004,800,000 | $ 351,328 | $ 193,550 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 278 | $ 143,350,000 | $ 515,647 | $ 237,000 |
| Cincinnati, OH-KY-IN | 131 | $ 45,395,000 | $ 346,526 | $ 200,557 |
| Columbus, OH | 113 | $ 49,085,000 | $ 434,380 | $ 252,000 |
| Knoxville, TN | 95 | $ 39,275,000 | $ 413,421 | $ 183,000 |
| Louisville/Jefferson County, KY-IN | 83 | $ 28,245,000 | $ 340,301 | $ 171,433 |
| Indianapolis-Carmel-Anderson, IN | 74 | $ 25,570,000 | $ 345,540 | $ 180,000 |
| Cleveland-Elyria, OH | 55 | $ 20,365,000 | $ 370,272 | $ 175,000 |
| Lexington-Fayette, KY | 46 | $ 18,520,000 | $ 402,608 | $ 224,000 |
| San Antonio-New Braunfels, TX | 46 | $ 30,590,000 | $ 665,000 | $ 309,000 |
| Gary, IN | 38 | $ 12,140,000 | $ 319,473 | $ 175,000 |
| Houston-The Woodlands-Sugar Land, TX | 38 | $ 19,750,000 | $ 519,736 | $ 249,000 |
| Bowling Green, KY | 37 | $ 11,775,000 | $ 318,243 | $ 147,000 |
| Omaha-Council Bluffs, NE-IA | 36 | $ 15,910,000 | $ 441,944 | $ 267,000 |
| Lafayette-West Lafayette, IN | 35 | $ 10,865,000 | $ 310,428 | $ 227,000 |
| Youngstown-Warren-Boardman, OH-PA | 32 | $ 8,190,000 | $ 255,937 | $ 108,000 |
| Dayton-Springfield-Kettering, OH | 31 | $ 10,525,000 | $ 339,516 | $ 209,000 |
| Clarksville, TN-KY | 30 | $ 7,510,000 | $ 250,333 | $ 143,200 |
| Kansas City, MO-KS | 30 | $ 11,280,000 | $ 376,000 | $ 293,266 |
| Des Moines-West Des Moines, IA | 29 | $ 11,945,000 | $ 411,896 | $ 233,000 |
| Canton-Massillon, OH | 27 | $ 6,995,000 | $ 259,074 | $ 156,000 |
| Johnson City, TN | 27 | $ 11,615,000 | $ 430,185 | $ 202,000 |
| Memphis, TN-MS-AR | 27 | $ 10,235,000 | $ 379,074 | $ 275,851 |
| Sioux Falls, SD | 25 | $ 10,545,000 | $ 421,800 | $ 148,000 |
| Elizabethtown-Fort Knox, KY | 24 | $ 5,000,000 | $ 208,333 | $ 195,000 |
| Fort Wayne, IN | 24 | $ 7,320,000 | $ 305,000 | $ 170,000 |
| Owensboro, KY | 24 | $ 5,970,000 | $ 248,750 | $ 174,000 |
| Elkhart-Goshen, IN | 23 | $ 6,675,000 | $ 290,217 | $ 131,000 |
| Austin-Round Rock, TX | 21 | $ 13,715,000 | $ 653,095 | $ 523,000 |
| Morristown, TN | 20 | $ 6,900,000 | $ 345,000 | $ 176,000 |
| Chattanooga, TN-GA | 19 | $ 6,435,000 | $ 338,684 | $ 141,157 |
| Kingsport-Bristol-Bristol, TN-VA | 19 | $ 5,235,000 | $ 275,526 | $ 129,000 |
| Dallas-Plano-Irving, TX | 17 | $ 8,335,000 | $ 490,294 | $ 204,000 |
| Topeka, KS | 17 | $ 4,705,000 | $ 276,764 | $ 146,000 |
| Bloomington, IN | 16 | $ 6,470,000 | $ 404,375 | $ 136,000 |
| Terre Haute, IN | 16 | $ 3,970,000 | $ 248,125 | $ 139,000 |
| Jackson, TN | 15 | $ 2,595,000 | $ 173,000 | $ 170,000 |
| Michigan City-La Porte, IN | 15 | $ 2,945,000 | $ 196,333 | $ 195,000 |
| Akron, OH | 14 | $ 5,330,000 | $ 380,714 | $ 189,000 |
| Kokomo, IN | 14 | $ 3,800,000 | $ 271,428 | $ 157,000 |
| Mansfield, OH | 13 | $ 2,805,000 | $ 215,769 | $ 195,000 |
| Sioux City, IA-NE-SD | 13 | $ 3,245,000 | $ 249,615 | $ 142,692 |
| Corpus Christi, TX | 12 | $ 5,980,000 | $ 498,333 | $ 202,000 |
| Grand Island, NE | 12 | $ 3,570,000 | $ 297,500 | $ 218,000 |
| St. Louis, MO-IL | 12 | $ 3,280,000 | $ 273,333 | $ 173,000 |
| Springfield, OH | 11 | $ 2,425,000 | $ 220,454 | $ 109,000 |
| Evansville, IN-KY | 10 | $ 3,920,000 | $ 392,000 | $ 201,000 |
| Oklahoma City, OK | 10 | $ 4,800,000 | $ 480,000 | $ 213,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 2,070,000 | $ 207,000 | $ 100,000 |
| Wheeling, WV-OH | 10 | $ 2,950,000 | $ 295,000 | $ 130,000 |
| Ames, IA | 9 | $ 2,635,000 | $ 292,777 | $ 148,000 |
| Cape Girardeau, MO-IL | 9 | $ 3,995,000 | $ 443,888 | $ 192,000 |
| College Station-Bryan, TX | 9 | $ 3,945,000 | $ 438,333 | $ 236,000 |
| Lincoln, NE | 9 | $ 3,285,000 | $ 365,000 | $ 232,000 |
| Toledo, OH | 9 | $ 1,605,000 | $ 178,333 | $ 121,000 |
| Iowa City, IA | 8 | $ 3,950,000 | $ 493,750 | $ 174,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 2,760,000 | $ 345,000 | $ 175,000 |
| Cedar Rapids, IA | 7 | $ 3,545,000 | $ 506,428 | $ 171,000 |
| Jonesboro, AR | 7 | $ 2,335,000 | $ 333,571 | $ 278,000 |
| Beaumont-Port Arthur, TX | 6 | $ 2,510,000 | $ 418,333 | $ 206,000 |
| Champaign-Urbana, IL | 6 | $ 2,130,000 | $ 355,000 | $ 230,000 |
| Cleveland, TN | 6 | $ 1,370,000 | $ 228,333 | $ 187,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 4,090,000 | $ 681,666 | $ 233,000 |
| Lawrence, KS | 6 | $ 3,110,000 | $ 518,333 | $ 391,000 |
| Casper, WY | 5 | $ 1,285,000 | $ 257,000 | $ 151,000 |
| Decatur, IL | 5 | $ 2,065,000 | $ 413,000 | $ 189,000 |
| Lima, OH | 5 | $ 1,285,000 | $ 257,000 | $ 182,000 |
| Longview, TX | 5 | $ 2,585,000 | $ 517,000 | $ 185,000 |
| Manhattan, KS | 5 | $ 945,000 | $ 189,000 | $ 153,000 |
| Wichita, KS | 5 | $ 1,765,000 | $ 353,000 | $ 175,000 |
| Columbus, IN | 4 | $ 1,070,000 | $ 267,500 | $ 179,000 |
| Lubbock, TX | 4 | $ 1,200,000 | $ 300,000 | $ 330,000 |
| Rapid City, SD | 4 | $ 2,150,000 | $ 537,500 | $ 404,000 |
| Springfield, IL | 4 | $ 1,210,000 | $ 302,500 | $ 287,000 |
| Tulsa, OK | 4 | $ 1,000,000 | $ 250,000 | $ 102,000 |
| Albuquerque, NM | 3 | $ 1,155,000 | $ 385,000 | $ 85,000 |
| Colorado Springs, CO | 3 | $ 1,515,000 | $ 505,000 | $ 226,000 |
| Dubuque, IA | 3 | $ 1,365,000 | $ 455,000 | $ 178,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,225,000 | $ 408,333 | $ 140,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 775,000 | $ 258,333 | $ 95,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 1,975,000 | $ 658,333 | $ 1,086,000 |
| Muncie, IN | 3 | $ 785,000 | $ 261,666 | $ 102,000 |
| San Angelo, TX | 3 | $ 995,000 | $ 331,666 | $ 180,000 |
| Sherman-Denison, TX | 3 | $ 1,585,000 | $ 528,333 | $ 196,000 |
| Victoria, TX | 3 | $ 1,485,000 | $ 495,000 | $ 240,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 735,000 | $ 245,000 | $ 100,000 |
| Wichita Falls, TX | 3 | $ 1,665,000 | $ 555,000 | $ 173,000 |
| Carbondale-Marion, IL | 2 | $ 780,000 | $ 390,000 | $ 230,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 690,000 | $ 345,000 | $ 161,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 560,000 | $ 280,000 | $ 71,000 |
| Peoria, IL | 2 | $ 1,970,000 | $ 985,000 | $ 331,000 |
| Tyler, TX | 2 | $ 760,000 | $ 380,000 | $ 251,000 |
| Abilene, TX | 1 | $ 855,000 | $ 855,000 | $ 594,000 |
| Brownsville-Harlingen, TX | 1 | $ 435,000 | $ 435,000 | $ 137,000 |
| Cheyenne, WY | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Danville, IL | 1 | $ 155,000 | $ 155,000 | $ 196,000 |
| Fort Collins, CO | 1 | $ 275,000 | $ 275,000 | $ 136,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 495,000 | $ 495,000 | $ 575,000 |
| Laredo, TX | 1 | $ 605,000 | $ 605,000 | $ 210,000 |
| Lawton, OK | 1 | $ 335,000 | $ 335,000 | $ 122,000 |
| Pueblo, CO | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| St. Joseph, MO-KS | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Waco, TX | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2023
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 | 3,996 | $1,553,320,000 | $388,000 | $4,715,000 | $204,000 | $9,179,000 |
| Refinancing | 565 | $168,375,000 | $298,000 | $4,415,000 | $168,000 | $2,900,000 |
| Home Improvement | 257 | $48,645,000 | $189,000 | $2,575,000 | $188,000 | $2,352,000 |
| Other Purpose | 24 | $4,260,000 | $177,000 | $395,000 | $183,000 | $441,000 |
| Cash-out Refinancing | 4 | $2,190,000 | $547,000 | $1,775,000 | $565,000 | $1,307,000 |
| 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 | 3,682 | $1,313,090,000 | $356,000 | $4,415,000 | $194,000 | $9,179,000 |
| Not Provided | 997 | $392,705,000 | $393,000 | $4,715,000 | $211,000 | $5,426,000 |
| Hispanic | 76 | $30,590,000 | $402,000 | $1,555,000 | $229,000 | $2,900,000 |
| American Indian or Alaskan Native | 29 | $14,365,000 | $495,000 | $2,805,000 | $254,000 | $2,116,000 |
| Black or African American | 27 | $12,815,000 | $474,000 | $1,045,000 | $213,000 | $615,000 |
| Not applicable | 19 | $5,865,000 | $308,000 | $1,495,000 | $0 | $0 |
| Asian | 9 | $4,205,000 | $467,000 | $1,225,000 | $159,000 | $403,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,100,000 | $550,000 | $625,000 | $194,000 | $206,000 |
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) | 4,846 | $1,776,790,000 | $366,000 | $4,715,000 | $199,000 | $9,179,000 |
| 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 | 3,267 | $1,170,785,000 | $358,000 | $4,715,000 | $223,000 | $9,179,000 |
| Application Denied By Financial Institution | 800 | $302,080,000 | $377,000 | $4,415,000 | $125,000 | $1,374,000 |
| Application Withdrawn By Applicant | 568 | $226,570,000 | $398,000 | $2,985,000 | $169,000 | $2,900,000 |
| Application Approved But Not Accepted | 182 | $63,260,000 | $347,000 | $2,975,000 | $198,000 | $1,467,000 |
| File Closed For Incompleteness | 29 | $14,095,000 | $486,000 | $1,155,000 | $121,000 | $283,000 |
| 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 | 4,046 | $1,474,710,000 | $364,000 | $4,715,000 | $213,000 | $9,179,000 |
| Debt-To-Income Ratio | 612 | $231,510,000 | $378,000 | $4,005,000 | $121,000 | $1,012,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 87 | $41,805,000 | $480,000 | $4,415,000 | $146,000 | $1,374,000 |
| Credit History | 64 | $17,740,000 | $277,000 | $1,485,000 | $132,000 | $1,100,000 |
| Collateral | 20 | $6,050,000 | $302,000 | $805,000 | $115,000 | $265,000 |
| Other | 14 | $3,260,000 | $232,000 | $745,000 | $110,000 | $255,000 |
| Unverifiable Information | 3 | $1,715,000 | $571,000 | $1,225,000 | $273,000 | $543,000 |
| 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 2023 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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