Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2023
In 2023, Farm Credit Mid-America, Aca of Louisville, KY reported 4,846 mortgage applications totaling $1.8 billion, down 12% from 2022. The average application was for $366,650, and applicants reported an average income of $199,148. 67% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (278), Cincinnati, OH-KY-IN (131) and Columbus, OH (113) (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 | 4,846 |
| Total Mortgage Loan Application Amount | $1,776,790,000 |
| Average Mortgage Loan Application Amount | $366,650 |
| Highest Mortgage Loan Application Amount | $4,715,000 |
| Average Applicant Income | $199,148 |
| Highest Applicant Income | $9,179,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023
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 | 3,996 | $1,553,320,000 | $388,000 | $4,715,000 | $204,000 | $9,179,000 |
| Refinancing | 565 | $168,375,000 | $298,000 | $4,415,000 | $168,000 | $2,900,000 |
| Home Improvement | 257 | $48,645,000 | $189,000 | $2,575,000 | $188,000 | $2,352,000 |
| Other Purpose | 24 | $4,260,000 | $177,000 | $395,000 | $183,000 | $441,000 |
| Cash-out Refinancing | 4 | $2,190,000 | $547,000 | $1,775,000 | $565,000 | $1,307,000 |
| Not Applicable | 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 | 3,682 | $1,313,090,000 | $356,000 | $4,415,000 | $194,000 | $9,179,000 |
| Not Provided | 997 | $392,705,000 | $393,000 | $4,715,000 | $211,000 | $5,426,000 |
| Hispanic | 76 | $30,590,000 | $402,000 | $1,555,000 | $229,000 | $2,900,000 |
| American Indian or Alaskan Native | 29 | $14,365,000 | $495,000 | $2,805,000 | $254,000 | $2,116,000 |
| Black or African American | 27 | $12,815,000 | $474,000 | $1,045,000 | $213,000 | $615,000 |
| Not applicable | 19 | $5,865,000 | $308,000 | $1,495,000 | $0 | $0 |
| Asian | 9 | $4,205,000 | $467,000 | $1,225,000 | $159,000 | $403,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,100,000 | $550,000 | $625,000 | $194,000 | $206,000 |
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) | 4,846 | $1,776,790,000 | $366,000 | $4,715,000 | $199,000 | $9,179,000 |
| 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 | 3,267 | $1,170,785,000 | $358,000 | $4,715,000 | $223,000 | $9,179,000 |
| Application Denied By Financial Institution | 800 | $302,080,000 | $377,000 | $4,415,000 | $125,000 | $1,374,000 |
| Application Withdrawn By Applicant | 568 | $226,570,000 | $398,000 | $2,985,000 | $169,000 | $2,900,000 |
| Application Approved But Not Accepted | 182 | $63,260,000 | $347,000 | $2,975,000 | $198,000 | $1,467,000 |
| File Closed For Incompleteness | 29 | $14,095,000 | $486,000 | $1,155,000 | $121,000 | $283,000 |
| 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 | 4,046 | $1,474,710,000 | $364,000 | $4,715,000 | $213,000 | $9,179,000 |
| Debt-To-Income Ratio | 612 | $231,510,000 | $378,000 | $4,005,000 | $121,000 | $1,012,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 87 | $41,805,000 | $480,000 | $4,415,000 | $146,000 | $1,374,000 |
| Credit History | 64 | $17,740,000 | $277,000 | $1,485,000 | $132,000 | $1,100,000 |
| Collateral | 20 | $6,050,000 | $302,000 | $805,000 | $115,000 | $265,000 |
| Other | 14 | $3,260,000 | $232,000 | $745,000 | $110,000 | $255,000 |
| Unverifiable Information | 3 | $1,715,000 | $571,000 | $1,225,000 | $273,000 | $543,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farm Credit Mid-America, Aca's 2023 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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