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 score and performance metrics.

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 an overall pricing score of 41.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Farm Credit East, ACA?

Farm Credit East, ACA is a Independent Mortgage Company headquartered in Enfield, CT.

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Farm Credit East, ACA

Independent Mortgage Company•Enfield, CTHQ•Direct•Reviews near you on Google

Farm Credit East, ACA has 340 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 4 mkts

Explore another lender or local market

Report Card

Farm Credit East, ACA performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+20.2 bps above market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$1,831Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	15	4.4%	+0.002%Above	$2,688Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume325

Mix95.6%

Spread

+0.213%Above

Fees

$1,831Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume15

Mix4.4%

Spread

+0.002%Above

Fees

$2,688Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	310	91.2%	+0.178%Above	$1,870Fees
Refinance	Acceptable	Acceptable	Mediocre	Sound	30	8.8%	+0.333%Above	$1,892Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume310

Mix91.2%

Spread

+0.178%Above

Fees

$1,870Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume30

Mix8.8%

Spread

+0.333%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast9

CTMEMANHNJNYPARIVT

South2

FLNC

Top Metro Areas by Place Specialization Score

1© Andrey Volk · CC BY-SA 4.0

Utica, NYMetro

Volume 21Mix 6.18% of portfolio

57/100

Sound

Rochester, NYMetro

Volume 21Mix 6.18% of portfolio

51/100

Sound

Syracuse, NYMetro

Volume 19Mix 5.59% of portfolio

51/100

Sound

Albany, NYMetro

Volume 14Mix 4.12% of portfolio

47/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 240Mix 70.59% of portfolio

75/100

Strong

New JerseyState

Volume 37Mix 10.88% of portfolio

56/100

Sound

New HampshireState

Volume 14Mix 4.12% of portfolio

47/100

Sound

VermontState

Volume 12Mix 3.53% of portfolio

45/100

Sound

ConnecticutState

Volume 12Mix 3.53% of portfolio

43/100

Sound

MassachusettsState

Volume 10Mix 2.94% of portfolio

40/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.