Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2021
In 2021, Farm Credit Mid-America, Aca of Louisville, KY reported 7,823 mortgage applications totaling $2.6 billion, down 12% from 2020. The average application was for $326,811, and applicants reported an average income of $157,673. 67% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (452), Cincinnati, OH-KY-IN (233) and Columbus, OH (199) (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 | 7,823 |
| Total Mortgage Loan Application Amount | $2,556,645,000 |
| Average Mortgage Loan Application Amount | $326,811 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $157,673 |
| Highest Applicant Income | $5,803,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 5,033 | $1,809,785,000 | $359,000 | $4,005,000 | $165,000 | $5,803,000 |
| Refinancing | 2,490 | $703,310,000 | $282,000 | $3,125,000 | $144,000 | $3,654,000 |
| Home Improvement | 289 | $41,455,000 | $143,000 | $905,000 | $148,000 | $1,137,000 |
| Cash-out Refinancing | 11 | $2,095,000 | $190,000 | $375,000 | $155,000 | $322,000 |
| 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 | 6,989 | $2,247,835,000 | $321,000 | $4,005,000 | $153,000 | $5,803,000 |
| Not Provided | 675 | $245,035,000 | $363,000 | $3,125,000 | $196,000 | $5,156,000 |
| Hispanic | 89 | $33,615,000 | $377,000 | $2,235,000 | $182,000 | $1,449,000 |
| American Indian or Alaskan Native | 29 | $11,065,000 | $381,000 | $2,325,000 | $207,000 | $986,000 |
| Black or African American | 20 | $8,700,000 | $435,000 | $1,105,000 | $174,000 | $458,000 |
| Asian | 19 | $9,775,000 | $514,000 | $1,865,000 | $272,000 | $1,891,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $325,000 | $325,000 | $325,000 | $111,000 | $111,000 |
| Not applicable | 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) | 7,823 | $2,556,645,000 | $326,000 | $4,005,000 | $158,000 | $5,803,000 |
| 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 | 5,273 | $1,730,175,000 | $328,000 | $4,005,000 | $172,000 | $5,803,000 |
| Application Denied By Financial Institution | 831 | $280,805,000 | $337,000 | $2,455,000 | $121,000 | $3,043,000 |
| Application Withdrawn By Applicant | 798 | $244,460,000 | $306,000 | $3,365,000 | $116,000 | $2,096,000 |
| Application Approved But Not Accepted | 552 | $178,030,000 | $322,000 | $1,835,000 | $145,000 | $2,236,000 |
| Preapproval Denied by Financial Institution | 311 | $99,335,000 | $319,000 | $1,195,000 | $141,000 | $2,265,000 |
| File Closed For Incompleteness | 39 | $16,825,000 | $431,000 | $1,815,000 | $142,000 | $518,000 |
| Preapproval Approved but not Accepted | 19 | $7,015,000 | $369,000 | $995,000 | $179,000 | $966,000 |
| Loan Purchased By The 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 | 6,681 | $2,176,505,000 | $325,000 | $4,005,000 | $163,000 | $5,803,000 |
| Debt-To-Income Ratio | 533 | $173,485,000 | $325,000 | $1,595,000 | $127,000 | $2,423,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 449 | $150,595,000 | $335,000 | $2,455,000 | $134,000 | $3,043,000 |
| Collateral | 98 | $33,270,000 | $339,000 | $1,735,000 | $104,000 | $385,000 |
| Credit History | 35 | $8,985,000 | $256,000 | $615,000 | $86,000 | $194,000 |
| Employment History | 14 | $8,060,000 | $575,000 | $1,445,000 | $124,000 | $239,000 |
| Other | 11 | $5,425,000 | $493,000 | $1,925,000 | $120,000 | $343,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $167,000 | $167,000 |
| Credit Application Incomplete | 1 | $145,000 | $145,000 | $145,000 | $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 2021 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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