Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2024
In 2024, Farm Credit Mid-America, Aca of Louisville, KY reported 5,902 mortgage applications totaling $2.3 billion, up 22% from 2023. The average application was for $381,885, and applicants reported an average income of $214,733. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (312), Cincinnati, OH-KY-IN (150) and Knoxville, TN (131) (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 | 5,902 |
| Total Mortgage Loan Application Amount | $2,253,890,000 |
| Average Mortgage Loan Application Amount | $381,885 |
| Highest Mortgage Loan Application Amount | $4,205,000 |
| Average Applicant Income | $214,733 |
| Highest Applicant Income | $6,132,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,497 | $ 1,275,685,000 | $ 364,794 | $ 208,282 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 312 | $ 136,900,000 | $ 438,782 | $ 274,000 |
| Cincinnati, OH-KY-IN | 150 | $ 52,800,000 | $ 352,000 | $ 185,720 |
| Knoxville, TN | 131 | $ 52,555,000 | $ 401,183 | $ 178,000 |
| Columbus, OH | 120 | $ 49,480,000 | $ 412,333 | $ 204,000 |
| Louisville/Jefferson County, KY-IN | 111 | $ 45,025,000 | $ 405,630 | $ 240,000 |
| Cleveland, OH | 97 | $ 32,935,000 | $ 339,536 | $ 199,000 |
| San Antonio-New Braunfels, TX | 66 | $ 35,670,000 | $ 540,454 | $ 258,000 |
| Indianapolis-Carmel-Anderson, IN | 62 | $ 23,280,000 | $ 375,483 | $ 229,000 |
| Lexington-Fayette, KY | 51 | $ 28,455,000 | $ 557,941 | $ 390,000 |
| Clarksville, TN-KY | 48 | $ 14,860,000 | $ 309,583 | $ 215,750 |
| Houston-The Woodlands-Sugar Land, TX | 48 | $ 27,050,000 | $ 563,541 | $ 302,000 |
| Lake County-Porter County-Jasper County, IN | 41 | $ 14,315,000 | $ 349,146 | $ 167,000 |
| Des Moines-West Des Moines, IA | 40 | $ 16,860,000 | $ 421,500 | $ 197,000 |
| Memphis, TN-MS-AR | 38 | $ 15,820,000 | $ 416,315 | $ 220,105 |
| Omaha-Council Bluffs, NE-IA | 37 | $ 14,735,000 | $ 398,243 | $ 205,810 |
| Elkhart-Goshen, IN | 35 | $ 10,785,000 | $ 308,142 | $ 138,000 |
| Youngstown-Warren-Boardman, OH-PA | 35 | $ 8,935,000 | $ 255,285 | $ 111,000 |
| Bowling Green, KY | 31 | $ 9,985,000 | $ 322,096 | $ 206,000 |
| Dayton-Springfield-Kettering, OH | 31 | $ 11,685,000 | $ 376,935 | $ 205,000 |
| Canton-Massillon, OH | 30 | $ 7,590,000 | $ 253,000 | $ 140,000 |
| Morristown, TN | 29 | $ 11,395,000 | $ 392,931 | $ 153,000 |
| Owensboro, KY | 29 | $ 7,435,000 | $ 256,379 | $ 143,000 |
| Wichita, KS | 29 | $ 12,095,000 | $ 417,068 | $ 210,000 |
| Dallas-Plano-Irving, TX | 28 | $ 17,510,000 | $ 625,357 | $ 325,000 |
| Fort Wayne, IN | 28 | $ 8,470,000 | $ 302,500 | $ 358,000 |
| Johnson City, TN | 28 | $ 12,120,000 | $ 432,857 | $ 216,000 |
| Jackson, TN | 27 | $ 9,745,000 | $ 360,925 | $ 237,000 |
| Austin-Round Rock, TX | 25 | $ 17,475,000 | $ 699,000 | $ 317,000 |
| Lafayette-West Lafayette, IN | 23 | $ 6,475,000 | $ 281,521 | $ 209,000 |
| Kansas City, MO-KS | 21 | $ 12,545,000 | $ 597,380 | $ 267,095 |
| Kingsport-Bristol-Bristol, TN-VA | 21 | $ 7,055,000 | $ 335,952 | $ 160,000 |
| Michigan City-La Porte, IN | 21 | $ 6,105,000 | $ 290,714 | $ 223,000 |
| Jonesboro, AR | 20 | $ 8,210,000 | $ 410,500 | $ 195,000 |
| Oklahoma City, OK | 20 | $ 7,370,000 | $ 368,500 | $ 171,000 |
| Topeka, KS | 20 | $ 8,360,000 | $ 418,000 | $ 209,000 |
| Sioux Falls, SD | 19 | $ 8,465,000 | $ 445,526 | $ 222,000 |
| College Station-Bryan, TX | 18 | $ 9,400,000 | $ 522,222 | $ 279,000 |
| Lincoln, NE | 18 | $ 6,780,000 | $ 376,666 | $ 191,000 |
| Akron, OH | 17 | $ 6,025,000 | $ 354,411 | $ 189,000 |
| St. Louis, MO-IL | 17 | $ 5,135,000 | $ 302,058 | $ 191,058 |
| Elizabethtown-Fort Knox, KY | 15 | $ 3,095,000 | $ 206,333 | $ 160,000 |
| Evansville, IN-KY | 14 | $ 4,700,000 | $ 335,714 | $ 158,000 |
| Chattanooga, TN-GA | 13 | $ 6,655,000 | $ 511,923 | $ 221,000 |
| Cleveland, TN | 12 | $ 5,440,000 | $ 453,333 | $ 200,000 |
| Corpus Christi, TX | 12 | $ 6,540,000 | $ 545,000 | $ 289,000 |
| Grand Island, NE | 12 | $ 3,490,000 | $ 290,833 | $ 147,000 |
| Kokomo, IN | 12 | $ 3,620,000 | $ 301,666 | $ 162,000 |
| Lubbock, TX | 12 | $ 4,420,000 | $ 368,333 | $ 207,000 |
| Mansfield, OH | 12 | $ 3,750,000 | $ 312,500 | $ 135,000 |
| Terre Haute, IN | 12 | $ 7,730,000 | $ 644,166 | $ 172,000 |
| Bloomington, IN | 11 | $ 3,705,000 | $ 336,818 | $ 150,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 4,865,000 | $ 442,272 | $ 184,000 |
| Tulsa, OK | 11 | $ 3,455,000 | $ 314,090 | $ 156,000 |
| Ames, IA | 10 | $ 3,210,000 | $ 321,000 | $ 161,000 |
| Cedar Rapids, IA | 10 | $ 5,000,000 | $ 500,000 | $ 267,000 |
| Fort Worth-Arlington, TX | 10 | $ 4,770,000 | $ 477,000 | $ 202,000 |
| Huntington-Ashland, WV-KY-OH | 10 | $ 2,630,000 | $ 263,000 | $ 176,100 |
| Toledo, OH | 9 | $ 1,895,000 | $ 210,555 | $ 110,000 |
| Columbus, IN | 8 | $ 1,830,000 | $ 228,750 | $ 196,000 |
| Las Cruces, NM | 8 | $ 1,850,000 | $ 231,250 | $ 156,000 |
| Manhattan, KS | 8 | $ 3,490,000 | $ 436,250 | $ 250,000 |
| Springfield, OH | 8 | $ 2,440,000 | $ 305,000 | $ 253,000 |
| Grand Junction, CO | 7 | $ 3,745,000 | $ 535,000 | $ 205,000 |
| Iowa City, IA | 7 | $ 4,415,000 | $ 630,714 | $ 289,000 |
| Lima, OH | 7 | $ 2,075,000 | $ 296,428 | $ 264,000 |
| Victoria, TX | 7 | $ 6,055,000 | $ 865,000 | $ 338,000 |
| Beaumont-Port Arthur, TX | 6 | $ 2,100,000 | $ 350,000 | $ 188,000 |
| Cape Girardeau, MO-IL | 6 | $ 2,500,000 | $ 416,666 | $ 134,000 |
| Casper, WY | 6 | $ 2,390,000 | $ 398,333 | $ 153,000 |
| Cheyenne, WY | 6 | $ 2,510,000 | $ 418,333 | $ 261,000 |
| Muncie, IN | 6 | $ 1,840,000 | $ 306,666 | $ 126,000 |
| Rapid City, SD | 6 | $ 3,950,000 | $ 658,333 | $ 456,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 1,270,000 | $ 211,666 | $ 87,000 |
| Tyler, TX | 6 | $ 2,190,000 | $ 365,000 | $ 163,000 |
| Wheeling, WV-OH | 6 | $ 3,290,000 | $ 548,333 | $ 226,000 |
| Greeley, CO | 5 | $ 3,195,000 | $ 639,000 | $ 200,000 |
| Sherman-Denison, TX | 5 | $ 2,275,000 | $ 455,000 | $ 230,000 |
| Sioux City, IA-NE-SD | 5 | $ 1,875,000 | $ 375,000 | $ 299,200 |
| Stockton-Lodi, CA | 5 | $ 4,595,000 | $ 919,000 | $ 379,000 |
| Albuquerque, NM | 4 | $ 1,990,000 | $ 497,500 | $ 183,000 |
| Brownsville-Harlingen, TX | 4 | $ 2,640,000 | $ 660,000 | $ 277,000 |
| Florence-Muscle Shoals, AL | 4 | $ 1,540,000 | $ 385,000 | $ 1,292,000 |
| Lawrence, KS | 4 | $ 1,090,000 | $ 272,500 | $ 131,000 |
| Longview, TX | 4 | $ 2,990,000 | $ 747,500 | $ 376,000 |
| Weirton-Steubenville, WV-OH | 4 | $ 1,180,000 | $ 295,000 | $ 184,000 |
| Abilene, TX | 3 | $ 1,535,000 | $ 511,666 | $ 228,000 |
| Colorado Springs, CO | 3 | $ 1,145,000 | $ 381,666 | $ 124,000 |
| Dubuque, IA | 3 | $ 825,000 | $ 275,000 | $ 172,000 |
| Farmington, NM | 3 | $ 1,185,000 | $ 395,000 | $ 205,000 |
| Fort Collins, CO | 3 | $ 1,635,000 | $ 545,000 | $ 344,000 |
| Fort Smith, AR-OK | 3 | $ 835,000 | $ 278,333 | $ 157,000 |
| Joplin, MO | 3 | $ 835,000 | $ 278,333 | $ 691,666 |
| McAllen-Edinburg-Mission, TX | 3 | $ 1,155,000 | $ 385,000 | $ 156,000 |
| Sandusky, OH | 3 | $ 385,000 | $ 128,333 | $ 147,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 585,000 | $ 195,000 | $ 108,000 |
| Wichita Falls, TX | 3 | $ 1,185,000 | $ 395,000 | $ 135,000 |
| Decatur, IL | 2 | $ 1,020,000 | $ 510,000 | $ 205,000 |
| Jefferson City, MO | 2 | $ 690,000 | $ 345,000 | $ 134,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 540,000 | $ 270,000 | $ 169,000 |
| Pueblo, CO | 2 | $ 880,000 | $ 440,000 | $ 133,000 |
| San Angelo, TX | 2 | $ 1,530,000 | $ 765,000 | $ 504,000 |
| Santa Fe, NM | 2 | $ 670,000 | $ 335,000 | $ 187,000 |
| Springfield, IL | 2 | $ 480,000 | $ 240,000 | $ 155,000 |
| Amarillo, TX | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Boulder, CO | 1 | $ 955,000 | $ 955,000 | $ 193,000 |
| Champaign-Urbana, IL | 1 | $ 165,000 | $ 165,000 | $ 208,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Elgin, IL | 1 | $ 615,000 | $ 615,000 | $ 556,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 305,000 | $ 305,000 | $ 77,000 |
| Laredo, TX | 1 | $ 1,445,000 | $ 1,445,000 | $ 2,846,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 159,000 |
| Modesto, CA | 1 | $ 645,000 | $ 645,000 | $ 119,000 |
| Napa, CA | 1 | $ 1,305,000 | $ 1,305,000 | $ 579,000 |
| Paducah, KY-IL | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Pittsburgh, PA | 1 | $ 435,000 | $ 435,000 | $ 531,000 |
| Reno, NV | 1 | $ 355,000 | $ 355,000 | $ 131,000 |
| Richmond, VA | 1 | $ 235,000 | $ 235,000 | $ 26,000 |
| Salinas, CA | 1 | $ 2,005,000 | $ 2,005,000 | $ 586,000 |
| San Diego-Carlsbad, CA | 1 | $ 1,025,000 | $ 1,025,000 | $ 340,000 |
| Santa Rosa, CA | 1 | $ 1,205,000 | $ 1,205,000 | $ 663,000 |
| St. Cloud, MN | 1 | $ 205,000 | $ 205,000 | $ 249,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 505,000 | $ 505,000 | $ 421,000 |
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2024
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 | 4,773 | $1,949,545,000 | $408,000 | $3,855,000 | $220,000 | $6,132,000 |
| Refinancing | 602 | $207,870,000 | $345,000 | $4,205,000 | $180,000 | $2,117,000 |
| Home Improvement | 344 | $56,820,000 | $165,000 | $3,895,000 | $189,000 | $1,929,000 |
| Other Purpose | 183 | $39,655,000 | $216,000 | $2,535,000 | $240,000 | $3,159,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,909 | $1,819,015,000 | $370,000 | $3,895,000 | $205,000 | $6,132,000 |
| Not Provided | 741 | $315,915,000 | $426,000 | $3,855,000 | $266,000 | $5,028,000 |
| Hispanic | 122 | $60,480,000 | $495,000 | $2,995,000 | $282,000 | $4,268,000 |
| American Indian or Alaskan Native | 47 | $20,075,000 | $427,000 | $2,405,000 | $256,000 | $2,365,000 |
| Black or African American | 39 | $15,685,000 | $402,000 | $1,545,000 | $201,000 | $1,479,000 |
| Not applicable | 28 | $15,450,000 | $551,000 | $4,205,000 | $0 | $0 |
| Asian | 15 | $6,225,000 | $415,000 | $765,000 | $336,000 | $1,536,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,045,000 | $1,045,000 | $1,045,000 | $591,000 | $591,000 |
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) | 5,902 | $2,253,890,000 | $381,000 | $4,205,000 | $215,000 | $6,132,000 |
| 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 | 4,311 | $1,606,325,000 | $372,000 | $4,205,000 | $224,000 | $5,193,000 |
| Application Withdrawn By Applicant | 876 | $350,260,000 | $399,000 | $3,655,000 | $210,000 | $6,132,000 |
| Application Denied By Financial Institution | 616 | $259,210,000 | $420,000 | $3,895,000 | $143,000 | $3,582,000 |
| Application Approved But Not Accepted | 77 | $28,295,000 | $367,000 | $3,855,000 | $336,000 | $3,684,000 |
| File Closed For Incompleteness | 22 | $9,800,000 | $445,000 | $995,000 | $212,000 | $1,100,000 |
| 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 | 5,286 | $1,994,680,000 | $377,000 | $4,205,000 | $223,000 | $6,132,000 |
| Debt-To-Income Ratio | 469 | $193,635,000 | $412,000 | $3,435,000 | $131,000 | $3,582,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 73 | $28,075,000 | $384,000 | $1,105,000 | $121,000 | $398,000 |
| Credit History | 32 | $18,510,000 | $578,000 | $3,895,000 | $245,000 | $1,831,000 |
| Collateral | 23 | $10,385,000 | $451,000 | $1,705,000 | $247,000 | $966,000 |
| Other | 17 | $8,195,000 | $482,000 | $1,725,000 | $228,000 | $744,000 |
| Unverifiable Information | 2 | $410,000 | $205,000 | $255,000 | $257,000 | $398,000 |
| 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 2024 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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