Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2020
In 2020, Farm Credit Mid-America, Aca of Louisville, KY reported 8,931 mortgage applications totaling $2.5 billion, up 88% from 2019. The average application was for $282,002, and applicants reported an average income of $140,825. 66% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (553), Cincinnati, OH-KY-IN (280) and Columbus, OH (253) (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 | 8,931 |
| Total Mortgage Loan Application Amount | $2,518,565,000 |
| Average Mortgage Loan Application Amount | $282,002 |
| Highest Mortgage Loan Application Amount | $4,795,000 |
| Average Applicant Income | $140,825 |
| Highest Applicant Income | $4,406,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 4,668 | $1,422,130,000 | $304,000 | $4,795,000 | $142,000 | $4,163,000 |
| Refinancing | 3,905 | $1,046,825,000 | $268,000 | $3,985,000 | $140,000 | $4,406,000 |
| Home Improvement | 347 | $46,765,000 | $134,000 | $985,000 | $128,000 | $1,607,000 |
| Cash-out Refinancing | 11 | $2,845,000 | $258,000 | $835,000 | $340,000 | $2,357,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 8,040 | $2,255,440,000 | $280,000 | $4,795,000 | $139,000 | $4,406,000 |
| Not Provided | 784 | $225,800,000 | $288,000 | $2,495,000 | $155,000 | $3,161,000 |
| Hispanic | 38 | $11,450,000 | $301,000 | $995,000 | $148,000 | $427,000 |
| American Indian or Alaskan Native | 28 | $6,590,000 | $235,000 | $655,000 | $174,000 | $1,176,000 |
| Black or African American | 13 | $6,645,000 | $511,000 | $1,135,000 | $189,000 | $320,000 |
| Asian | 4 | $1,250,000 | $312,000 | $515,000 | $271,000 | $701,000 |
| Not applicable | 1 | $215,000 | $215,000 | $215,000 | $0 | $0 |
| 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) | 8,931 | $2,518,565,000 | $282,000 | $4,795,000 | $141,000 | $4,406,000 |
| 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 | 5,918 | $1,677,750,000 | $283,000 | $4,795,000 | $158,000 | $4,406,000 |
| Application Approved But Not Accepted | 1,264 | $333,560,000 | $263,000 | $3,985,000 | $119,000 | $2,871,000 |
| Application Denied By Financial Institution | 895 | $263,495,000 | $294,000 | $4,535,000 | $90,000 | $1,217,000 |
| Application Withdrawn By Applicant | 854 | $243,760,000 | $285,000 | $1,985,000 | $101,000 | $2,836,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 8,036 | $2,255,070,000 | $280,000 | $4,795,000 | $146,000 | $4,406,000 |
| Debt-To-Income Ratio | 724 | $216,150,000 | $298,000 | $4,535,000 | $87,000 | $1,217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 84 | $23,410,000 | $278,000 | $1,375,000 | $84,000 | $277,000 |
| Collateral | 39 | $11,115,000 | $285,000 | $765,000 | $129,000 | $708,000 |
| Credit History | 39 | $8,515,000 | $218,000 | $505,000 | $105,000 | $247,000 |
| Other | 8 | $3,970,000 | $496,000 | $2,025,000 | $179,000 | $464,000 |
| Employment History | 1 | $335,000 | $335,000 | $335,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2020 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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with aggregated HMDA statistics today.
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