Looking for a different lender?
F
Farm Credit East, ACA
Independent Mortgage Company|Enfield, CT|Multi-Region
Loans Originated
340
Applications
402
Volume
$117 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.202%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,874
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
84.6%
Percentage of applications that result in closed loans
Report Card
Farm Credit East, ACA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 5 metro areas · 11 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$344,382
Average Borrower Income
$159,194
Average Property Value
$548,676
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 325 | 95.6% | +0.213% | $1,831 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 15 | 4.4% | +0.002% | $2,688 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Sound | Sound | 310 | 91.2% | +0.178% | $1,870 |
Refinance | Acceptable | Acceptable | Mediocre | Sound | 30 | 8.8% | +0.333% | $1,892 |
Geographic Coverage
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%
Place Specialization
Sound
2
Rochester, NY, NYMSA
Volume: 21Mix: 6.18%
Place Specialization
Sound
3
Syracuse, NY, NYMSA
Volume: 19Mix: 5.59%
Place Specialization
Sound
4
Albany, NYMSA
Volume: 14Mix: 4.12%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 240Mix: 70.59%
Place Specialization
Strong
2
NJState
Volume: 37Mix: 10.88%
Place Specialization
Sound
3
NHState
Volume: 14Mix: 4.12%
Place Specialization
Sound
4
VTState
Volume: 12Mix: 3.53%
Place Specialization
Sound
5
CTState
Volume: 12Mix: 3.53%
Place Specialization
Sound
6
MAState
Volume: 10Mix: 2.94%
Place Specialization
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.
Ready to Get Started?
Compare Farm Credit East, ACA with other lenders or get personalized recommendations.