River Valley Agcredit, Aca
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
River Valley Agcredit, Aca 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | River Valley Agcredit, Aca P O Box 309 Paducah, KY 42066 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 318 |
| Total Mortgage Loan Application Amount | $56,090,000 |
| Average Mortgage Loan Application Amount | $185,000 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $198,333 |
| Highest Applicant Income | $6,327,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with River Valley Agcredit, Aca. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing River Valley Agcredit, Aca's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down River Valley Agcredit, Aca's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how River Valley Agcredit, Aca serves its applicants.
Each category highlights the total number of mortgage applications processed by River Valley Agcredit, Aca, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at River Valley Agcredit, Aca's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Graves County Kentucky | 68 | $ 9,585,000 | $ 140,000 | $ 135,000 |
| Marshall County Kentucky | 33 | $ 6,043,000 | $ 183,000 | $ 292,000 |
| Rhea County Tennessee | 26 | $ 4,079,000 | $ 156,000 | $ 166,000 |
| Bradley County Tennessee | 23 | $ 3,654,000 | $ 158,000 | $ 128,000 |
| McCracken County Kentucky | 20 | $ 3,692,000 | $ 184,000 | $ 123,000 |
| Bledsoe County Tennessee | 20 | $ 3,223,000 | $ 161,000 | $ 341,000 |
| Calloway County Kentucky | 18 | $ 3,465,000 | $ 192,000 | $ 194,000 |
| Livingston County Kentucky | 18 | $ 5,565,000 | $ 309,000 | $ 543,000 |
| McMinn County Tennessee | 16 | $ 2,956,000 | $ 184,000 | $ 104,000 |
| Hamilton County Tennessee | 14 | $ 2,679,000 | $ 191,000 | $ 104,000 |
| Ballard County Kentucky | 13 | $ 1,844,000 | $ 141,000 | $ 82,000 |
| Carlisle County Kentucky | 9 | $ 1,290,000 | $ 143,000 | $ 61,000 |
| Sequatchie County Tennessee | 8 | $ 2,327,000 | $ 290,000 | $ 87,000 |
| Meigs County Tennessee | 5 | $ 1,045,000 | $ 209,000 | $ 74,000 |
| Marion County Tennessee | 3 | $ 512,000 | $ 170,000 | $ 57,000 |
| Van Buren County Tennessee | 3 | $ 396,000 | $ 132,000 | $ 73,000 |
| Walker County Georgia | 2 | $ 220,000 | $ 110,000 | $ 76,000 |
| Henry County Tennessee | 2 | $ 584,000 | $ 292,000 | $ 835,000 |
| Loudon County Tennessee | 2 | $ 148,000 | $ 74,000 | $ 102,000 |
| Obion County Tennessee | 2 | $ 310,000 | $ 155,000 | $ 62,000 |
| Polk County Tennessee | 2 | $ 240,000 | $ 120,000 | $ 58,000 |
| Jackson County Alabama | 1 | $ 256,000 | $ 256,000 | $ 69,000 |
| Caldwell County Kentucky | 1 | $ 249,000 | $ 249,000 | $ 71,000 |
| Hickman County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 29,000 |
| Anderson County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 72,000 |
| Bedford County Tennessee | 1 | $ 600,000 | $ 600,000 | $ 187,000 |
| Benton County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Cannon County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Grundy County Tennessee | 1 | $ 176,000 | $ 176,000 | $ 139,000 |
| Monroe County Tennessee | 1 | $ 88,000 | $ 88,000 | $ 45,000 |
| Roane County Tennessee | 1 | $ 127,000 | $ 127,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for River Valley Agcredit, Aca in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 157 | $31,417,000 | $200,000 | $2,000,000 | $246,000 | $6,327,000 |
| Home Purchase | 131 | $18,136,000 | $138,000 | $600,000 | $87,000 | $750,000 |
| Home Improvement | 30 | $6,537,000 | $217,000 | $928,000 | $262,000 | $2,114,000 |
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 | 313 | $55,602,000 | $177,000 | $2,000,000 | $184,000 | $6,327,000 |
| Hispanic | 2 | $185,000 | $92,000 | $120,000 | $36,000 | $47,000 |
| American Indian or Alaskan Native | 1 | $95,000 | $95,000 | $95,000 | $93,000 | $93,000 |
| Asian | 1 | $32,000 | $32,000 | $32,000 | $150,000 | $150,000 |
| Black or African American | 1 | $176,000 | $176,000 | $176,000 | $50,000 | $50,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 292 | $52,063,000 | $178,000 | $2,000,000 | $193,000 | $6,327,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,497,000 | $152,000 | $1,214,000 | $54,000 | $265,000 |
| FHA-insured (Federal Housing Administration) | 2 | $206,000 | $103,000 | $113,000 | $36,000 | $42,000 |
| VA-guaranteed (Veterans Administration) | 1 | $324,000 | $324,000 | $324,000 | $136,000 | $136,000 |
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 | 181 | $33,157,000 | $183,000 | $2,000,000 | $248,000 | $6,327,000 |
| Application Denied By Financial Institution | 69 | $10,982,000 | $159,000 | $553,000 | $102,000 | $2,114,000 |
| Application Withdrawn By Applicant | 68 | $11,951,000 | $175,000 | $600,000 | $88,000 | $433,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 32 | $4,282,000 | $133,000 | $553,000 | $83,000 | $750,000 |
| Debt-To-Income Ratio | 19 | $3,468,000 | $182,000 | $417,000 | $45,000 | $92,000 |
| Collateral | 7 | $1,114,000 | $159,000 | $241,000 | $67,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $480,000 | $240,000 | $318,000 | $65,000 | $71,000 |
| Other | 2 | $368,000 | $184,000 | $245,000 | $80,000 | $85,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 River Valley Agcredit, Aca's 2015 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 River Valley Agcredit, 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.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.