# Farm Credit East, ACA

> **Canonical URL:** https://saferate.com/lenders/farm-credit-east-aca


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Farm Credit East, ACA is a independent mortgage company, headquartered in Enfield, CT, serving borrowers across 11 states, with 340 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300S5NLOTO329NX77
- **Headquarters:** Enfield, CT
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** CT, FL, MA, ME, NC, NH, NJ, NY, PA, RI, VT
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.5%
- **Brokered/Wholesale:** 0.5%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.202%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,874
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 340
- **Dollar Volume:** $117 million
- **Applications Received:** 402
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $344,382
- **Average Borrower Income:** $159,194
- **Average Property Value:** $548,676

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 325 | +0.213% | $1,831 | Sound ☺️ |
| Jumbo | 44/100 | 15 | +0.002% | $2,688 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 296 loans, Score: 56/100 (Sound)
- Refinance: 29 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 310 | $110M | +0.178% | Sound ☺️ |
| Refinance | 34/100 | 30 | $7M | +0.333% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 240 | 0.21% | 75/100 |
| NJ | 37 | 0.04% | 56/100 |
| NH | 14 | 0.09% | 47/100 |
| CT | 12 | 0.03% | 43/100 |
| VT | 12 | 0.21% | 45/100 |
| MA | 10 | 0.02% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 157 | 63/100 |
| Rochester, NY | NY | 21 | 51/100 |
| Utica | NY | 21 | 57/100 |
| Syracuse, NY | NY | 19 | 51/100 |
| Albany | NY | 14 | 47/100 |

## Where This Lender Ranks

Farm Credit East, ACA appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Utica Mortgage Companies
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Utica for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Rochester, NY Mortgage Companies
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies)
- 🏆 **#18** in Rochester, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Syracuse, NY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/syracuse-ny/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does Farm Credit East, ACA offer?

Farm Credit East, ACA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Farm Credit East, ACA offer mortgages?

Farm Credit East, ACA offers mortgages in 11 states: CT, FL, MA, ME, NC, NH, NJ, NY, PA, RI, VT.

### How competitive are Farm Credit East, ACA's mortgage rates?

Farm Credit East, ACA has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.202% above market average.

### What type of lender is Farm Credit East, ACA?

Farm Credit East, ACA is a non-depository lender that specializes in mortgage origination, headquartered in Enfield, CT.

### What is Farm Credit East, ACA's loan approval success rate?

Farm Credit East, ACA has a pull-through score of 54/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/farm-credit-east-aca

### How to Cite

> "Farm Credit East, ACA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/farm-credit-east-aca

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