Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2006
In 2006, Farm Credit Mid-America, Aca of Louisville, KY reported 8,054 mortgage applications totaling $1.0 billion, down 4% from 2005. The average application was for $126,185, and applicants reported an average income of $84,749. 60% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Nashville-Davidson--Murfreesboro, TN (432), Louisville-Jefferson County, KY-IN (198) and Indianapolis-Carmel, IN (191) (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 | 8,054 |
| Total Mortgage Loan Application Amount | $1,016,294,000 |
| Average Mortgage Loan Application Amount | $126,185 |
| Highest Mortgage Loan Application Amount | $2,116,000 |
| Average Applicant Income | $84,749 |
| Highest Applicant Income | $5,713,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Farm Credit Mid-America, Aca in 2006
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 | 4,533 | $567,058,000 | $125,000 | $1,253,000 | $82,000 | $5,713,000 |
| Refinancing | 2,588 | $380,056,000 | $146,000 | $2,116,000 | $92,000 | $2,449,000 |
| Home Improvement | 933 | $69,180,000 | $74,000 | $550,000 | $78,000 | $1,454,000 |
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 | 5,556 | $722,319,000 | $130,000 | $2,116,000 | $88,000 | $5,713,000 |
| Not Provided | 2,178 | $259,596,000 | $119,000 | $1,334,000 | $77,000 | $1,868,000 |
| American Indian or Alaskan Native | 227 | $21,346,000 | $94,000 | $462,000 | $70,000 | $800,000 |
| Hispanic | 54 | $5,798,000 | $107,000 | $372,000 | $60,000 | $132,000 |
| Black or African American | 23 | $2,734,000 | $118,000 | $450,000 | $77,000 | $401,000 |
| Not applicable | 9 | $3,406,000 | $378,000 | $1,190,000 | $383,000 | $1,409,000 |
| Asian | 7 | $1,095,000 | $156,000 | $480,000 | $60,000 | $103,000 |
| 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) | 8,054 | $1,016,294,000 | $126,000 | $2,116,000 | $85,000 | $5,713,000 |
| 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 | 4,812 | $600,065,000 | $124,000 | $2,000,000 | $97,000 | $5,713,000 |
| Application Denied By Financial Institution | 1,678 | $212,389,000 | $126,000 | $2,116,000 | $60,000 | $2,233,000 |
| Application Withdrawn By Applicant | 853 | $113,109,000 | $132,000 | $1,253,000 | $71,000 | $857,000 |
| Application Approved But Not Accepted | 514 | $66,156,000 | $128,000 | $1,892,000 | $75,000 | $1,260,000 |
| File Closed For Incompleteness | 197 | $24,575,000 | $124,000 | $332,000 | $71,000 | $494,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca's 2006 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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