Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2011
In 2011, Farm Credit Mid-America, Aca of Louisville, KY reported 6,270 mortgage applications totaling $1.0 billion, down 15% from 2010. The average application was for $159,584, and applicants reported an average income of $135,597. 67% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (330), Indianapolis-Carmel, IN (197) and Cincinnati-Middletown, OH-KY-IN (168) (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 | 6,270 |
| Total Mortgage Loan Application Amount | $1,000,593,000 |
| Average Mortgage Loan Application Amount | $159,584 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $135,597 |
| Highest Applicant Income | $5,730,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 3,001 | $412,862,000 | $137,000 | $1,365,000 | $132,000 | $5,730,000 |
| Refinancing | 2,850 | $544,547,000 | $191,000 | $4,500,000 | $148,000 | $5,185,000 |
| Home Improvement | 419 | $43,184,000 | $103,000 | $1,000,000 | $77,000 | $898,000 |
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 | 4,514 | $757,448,000 | $167,000 | $2,643,000 | $112,000 | $5,730,000 |
| American Indian or Alaskan Native | 1,052 | $113,862,000 | $108,000 | $1,000,000 | $197,000 | $3,522,000 |
| Not Provided | 612 | $96,099,000 | $157,000 | $1,512,000 | $181,000 | $3,960,000 |
| Not applicable | 44 | $24,935,000 | $566,000 | $4,500,000 | $542,000 | $5,185,000 |
| Hispanic | 28 | $5,584,000 | $199,000 | $1,016,000 | $101,000 | $629,000 |
| Black or African American | 12 | $1,579,000 | $131,000 | $426,000 | $72,000 | $360,000 |
| Asian | 6 | $872,000 | $145,000 | $476,000 | $47,000 | $143,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $214,000 | $107,000 | $191,000 | $69,000 | $90,000 |
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) | 6,270 | $1,000,593,000 | $159,000 | $4,500,000 | $136,000 | $5,730,000 |
| 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 | 4,175 | $660,291,000 | $158,000 | $4,500,000 | $170,000 | $5,730,000 |
| Application Denied By Financial Institution | 1,360 | $223,024,000 | $163,000 | $1,600,000 | $61,000 | $2,546,000 |
| Application Withdrawn By Applicant | 724 | $114,130,000 | $157,000 | $1,301,000 | $73,000 | $3,039,000 |
| Application Approved But Not Accepted | 6 | $1,441,000 | $240,000 | $689,000 | $454,000 | $1,834,000 |
| File Closed For Incompleteness | 5 | $1,707,000 | $341,000 | $823,000 | $200,000 | $506,000 |
| 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 2011 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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