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Farm Credit East, ACA

Independent Mortgage CompanyEnfield, CTDirect to Consumer

Farm Credit East Aca has 340 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional · Jumbo
Place
Sound
Multi-Region · 4 mkts

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Report Card

Farm Credit East, ACA performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+20.2 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
Jumbo
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional5 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
32595.6%
+0.213%Above
$1,831Fees
Jumbo Loans
Acceptable
Sound
Acceptable
154.4%
+0.002%Above
$2,688Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
31091.2%
+0.178%Above
$1,870Fees
Refinance
Acceptable
Acceptable
Mediocre
Sound
308.8%
+0.333%Above
$1,892Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
340
Applications
402
Volume
$117 million
Pricing & Closing
Avg Rate Spread
+0.202%
vs. market APOR
Avg Net Fees
$1,874
Origination − Credits
Pullthrough Rate
84.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$344,382
Avg Borrower Income
$159,194
Avg Property Value
$548,676

Geographic Coverage

Geographic Performance

Metro Areas
4
States Served
11
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

CTFLMAMENCNHNJNYPARIVT

Top Metro Areas by Place Specialization Score

1
Utica, NYMSA
Volume: 21Mix: 6.18%of portfolio
Place
Sound
2
Rochester, NY, NYMSA
Volume: 21Mix: 6.18%of portfolio
Place
Sound
3
Syracuse, NY, NYMSA
Volume: 19Mix: 5.59%of portfolio
Place
Sound
4
Albany, NYMSA
Volume: 14Mix: 4.12%of portfolio
Place
Sound

Top States by Place Specialization Score

1
NYState
Volume: 240Mix: 70.59%of portfolio
Place
Strong
2
NJState
Volume: 37Mix: 10.88%of portfolio
Place
Sound
3
NHState
Volume: 14Mix: 4.12%of portfolio
Place
Sound
4
VTState
Volume: 12Mix: 3.53%of portfolio
Place
Sound
5
CTState
Volume: 12Mix: 3.53%of portfolio
Place
Sound
6
MAState
Volume: 10Mix: 2.94%of portfolio
Place
Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.