Farm Credit East, ACA: 2025 mortgage rates, costs & approvals
How Farm Credit East, ACA priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Farm Credit East, ACA · LEI 549300S5NLOTO329NX77
In 2025, Farm Credit East, ACA originated 391 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 9 states — 831st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 6 basis points below the national median. Median conventional loan costs were $6,180, 11% higher than the national median ($5,570).
It denied 1.7% of completed home-purchase applications (all lenders: 8.5%).
How Farm Credit East, ACA priced home-purchase loans
| Purchase loans, 2025 | Farm Credit East, ACA | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.07 pts | +0.13 pts |
| Total loan costs · conventional | $6,180 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $2,250 | $1,860 |
| Borrowers paying discount points | 3.4% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 13.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Farm Credit East, ACA lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| New York | 284 | 304 | 1.6% | 6.800% | $5,820 |
| New Jersey | 34 | 37 | 0.0% | — | $8,310 |
| Massachusetts | 19 | 23 | — | — | — |
| Connecticut | 14 | 19 | — | — | — |
| Vermont | 14 | 15 | — | — | — |
| New Hampshire | 13 | 14 | — | — | — |
| Maine | 8 | 10 | — | — | — |
| Pennsylvania | 3 | 3 | — | — | — |
| Rhode Island | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Farm Credit East, ACA's page for that state.
Counties where Farm Credit East, ACA is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lewis County, NY | 7 | 12 | 5.8% |
| Yates County, NY | 6 | 9 | 5.2% |
| Chautauqua County, NY | 7 | 32 | 3.7% |
| Montgomery County, NY | 10 | 14 | 3.3% |
| Allegany County, NY | 8 | 9 | 3.3% |
| Cattaraugus County, NY | 11 | 13 | 2.8% |
| Chenango County, NY | 9 | 8 | 2.6% |
| Hamilton County, NY | 19 | 1 | 2.3% |
| Otsego County, NY | 13 | 8 | 2.0% |
| Franklin County, NY | 11 | 4 | 1.9% |
| St. Lawrence County, NY | 10 | 10 | 1.9% |
| Seneca County, NY | 16 | 4 | 1.8% |
| Orleans County, NY | 14 | 6 | 1.7% |
| Wyoming County, NY | 14 | 6 | 1.7% |
| Madison County, NY | 19 | 10 | 1.7% |
Check Farm Credit East, ACA yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300S5NLOTO329NX77.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Farm Credit East, ACA with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology