Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2018
In 2018, Farm Credit Mid-America, Aca of Louisville, KY reported 3,720 mortgage applications totaling $831.0 million, up 33% from 2017. The average application was for $223,395, and applicants reported an average income of $122,873. 54% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (308), Indianapolis-Carmel-Anderson, IN (152) and Cincinnati, OH-KY-IN (141) (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 | 3,720 |
| Total Mortgage Loan Application Amount | $831,030,000 |
| Average Mortgage Loan Application Amount | $223,395 |
| Highest Mortgage Loan Application Amount | $3,475,000 |
| Average Applicant Income | $122,873 |
| Highest Applicant Income | $2,796,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 2,624 | $638,440,000 | $243,000 | $1,545,000 | $125,000 | $2,796,000 |
| Refinancing | 709 | $154,545,000 | $217,000 | $3,475,000 | $114,000 | $2,769,000 |
| Home Improvement | 364 | $34,090,000 | $93,000 | $1,215,000 | $124,000 | $1,887,000 |
| Cash-out Refinancing | 15 | $2,465,000 | $164,000 | $955,000 | $146,000 | $637,000 |
| Not Applicable | 7 | $865,000 | $123,000 | $265,000 | $66,000 | $66,000 |
| Other Purpose | 1 | $625,000 | $625,000 | $625,000 | $477,000 | $477,000 |
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 | 3,090 | $684,160,000 | $221,000 | $2,075,000 | $121,000 | $2,796,000 |
| Not Provided | 557 | $126,515,000 | $227,000 | $2,275,000 | $130,000 | $2,494,000 |
| Hispanic | 35 | $8,445,000 | $241,000 | $655,000 | $116,000 | $587,000 |
| American Indian or Alaskan Native | 13 | $2,875,000 | $221,000 | $625,000 | $269,000 | $1,256,000 |
| Asian | 7 | $2,485,000 | $355,000 | $585,000 | $222,000 | $469,000 |
| Not applicable | 6 | $4,080,000 | $680,000 | $3,475,000 | $0 | $0 |
| Black or African American | 5 | $1,045,000 | $209,000 | $355,000 | $108,000 | $216,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $975,000 | $195,000 | $505,000 | $134,000 | $291,000 |
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) | 3,720 | $831,030,000 | $223,000 | $3,475,000 | $123,000 | $2,796,000 |
| 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 | 1,994 | $449,910,000 | $225,000 | $3,475,000 | $150,000 | $2,796,000 |
| Application Approved But Not Accepted | 661 | $164,155,000 | $248,000 | $2,075,000 | $124,000 | $1,647,000 |
| Application Denied By Financial Institution | 565 | $110,065,000 | $194,000 | $1,625,000 | $87,000 | $1,805,000 |
| Application Withdrawn By Applicant | 492 | $104,950,000 | $213,000 | $1,005,000 | $53,000 | $534,000 |
| File Closed For Incompleteness | 8 | $1,950,000 | $243,000 | $455,000 | $35,000 | $98,000 |
| 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 | 3,155 | $720,965,000 | $228,000 | $3,475,000 | $129,000 | $2,796,000 |
| Debt-To-Income Ratio | 422 | $86,850,000 | $205,000 | $1,625,000 | $87,000 | $1,805,000 |
| Credit History | 59 | $9,485,000 | $160,000 | $415,000 | $98,000 | $247,000 |
| Collateral | 45 | $6,765,000 | $150,000 | $435,000 | $57,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $3,935,000 | $171,000 | $575,000 | $101,000 | $245,000 |
| Other | 13 | $2,195,000 | $168,000 | $615,000 | $115,000 | $547,000 |
| Unverifiable Information | 2 | $410,000 | $205,000 | $305,000 | $86,000 | $89,000 |
| Credit Application Incomplete | 1 | $425,000 | $425,000 | $425,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca's 2018 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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