Farm Credit Mid-America, Aca Mortgage Lending & HMDA Data, 2024
In 2024, Farm Credit Mid-America, Aca of Louisville, KY reported 5,902 mortgage applications totaling $2.3 billion, up 22% from 2023. The average application was for $381,885, and applicants reported an average income of $214,733. 73% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Nashville-Davidson--Murfreesboro--Franklin, TN (312), Cincinnati, OH-KY-IN (150) and Knoxville, TN (131) (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 | 5,902 |
| Total Mortgage Loan Application Amount | $2,253,890,000 |
| Average Mortgage Loan Application Amount | $381,885 |
| Highest Mortgage Loan Application Amount | $4,205,000 |
| Average Applicant Income | $214,733 |
| Highest Applicant Income | $6,132,000 |
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records Farm Credit Mid-America, Aca filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 4,773 | $1,949,545,000 | $408,000 | $3,855,000 | $220,000 | $6,132,000 |
| Refinancing | 602 | $207,870,000 | $345,000 | $4,205,000 | $180,000 | $2,117,000 |
| Home Improvement | 344 | $56,820,000 | $165,000 | $3,895,000 | $189,000 | $1,929,000 |
| Other Purpose | 183 | $39,655,000 | $216,000 | $2,535,000 | $240,000 | $3,159,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,909 | $1,819,015,000 | $370,000 | $3,895,000 | $205,000 | $6,132,000 |
| Not Provided | 741 | $315,915,000 | $426,000 | $3,855,000 | $266,000 | $5,028,000 |
| Hispanic | 122 | $60,480,000 | $495,000 | $2,995,000 | $282,000 | $4,268,000 |
| American Indian or Alaskan Native | 47 | $20,075,000 | $427,000 | $2,405,000 | $256,000 | $2,365,000 |
| Black or African American | 39 | $15,685,000 | $402,000 | $1,545,000 | $201,000 | $1,479,000 |
| Not applicable | 28 | $15,450,000 | $551,000 | $4,205,000 | $0 | $0 |
| Asian | 15 | $6,225,000 | $415,000 | $765,000 | $336,000 | $1,536,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $1,045,000 | $1,045,000 | $1,045,000 | $591,000 | $591,000 |
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) | 5,902 | $2,253,890,000 | $381,000 | $4,205,000 | $215,000 | $6,132,000 |
| 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 | 4,311 | $1,606,325,000 | $372,000 | $4,205,000 | $224,000 | $5,193,000 |
| Application Withdrawn By Applicant | 876 | $350,260,000 | $399,000 | $3,655,000 | $210,000 | $6,132,000 |
| Application Denied By Financial Institution | 616 | $259,210,000 | $420,000 | $3,895,000 | $143,000 | $3,582,000 |
| Application Approved But Not Accepted | 77 | $28,295,000 | $367,000 | $3,855,000 | $336,000 | $3,684,000 |
| File Closed For Incompleteness | 22 | $9,800,000 | $445,000 | $995,000 | $212,000 | $1,100,000 |
| 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 | 5,286 | $1,994,680,000 | $377,000 | $4,205,000 | $223,000 | $6,132,000 |
| Debt-To-Income Ratio | 469 | $193,635,000 | $412,000 | $3,435,000 | $131,000 | $3,582,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 73 | $28,075,000 | $384,000 | $1,105,000 | $121,000 | $398,000 |
| Credit History | 32 | $18,510,000 | $578,000 | $3,895,000 | $245,000 | $1,831,000 |
| Collateral | 23 | $10,385,000 | $451,000 | $1,705,000 | $247,000 | $966,000 |
| Other | 17 | $8,195,000 | $482,000 | $1,725,000 | $228,000 | $744,000 |
| Unverifiable Information | 2 | $410,000 | $205,000 | $255,000 | $257,000 | $398,000 |
| 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 2024 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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