Lender in New York · HMDA 2025
Farm Credit East, ACA mortgages in New York
Farm Credit East, ACA's 2025 home-purchase and refinance lending in New York, compared with all lenders in the state.
Farm Credit East, ACA originated 284 owner-occupied single-family loans in New York from 304 completed applications.
Its median conventional purchase loan costs were $5,820 versus $5,990 for all New York lenders, at a median 30-year fixed rate of 6.80% (New York: 6.50%).
Loans in NY
284
of 304 applications
Denial rate
1.6%
Purchase · NY 9.5%
Rate spread
+0.06 pts
Conv. · NY +0.07 pts
Loan amount
$295,000
Purchase · NY $375,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 255 | 237 | 1.6% | 6.800% | +0.06 pts | $5,820 | $295,000 |
| Refinance | 49 | 47 | 2.0% | 6.700% | +0.20 pts | $4,110 | $175,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
New York counties where Farm Credit East, ACA ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yates County | 6 | 9 | 5.2% |
| Chautauqua County | 7 | 32 | 3.7% |
| Lewis County | 7 | 12 | 5.8% |
| Allegany County | 8 | 9 | 3.3% |
| Chenango County | 9 | 8 | 2.6% |
| Montgomery County | 10 | 14 | 3.3% |
| St. Lawrence County | 10 | 10 | 1.9% |
| Cattaraugus County | 11 | 13 | 2.8% |
| Franklin County | 11 | 4 | 1.9% |
| Otsego County | 13 | 8 | 2.0% |
| Delaware County | 13 | 3 | 1.2% |
| Steuben County | 14 | 11 | 1.4% |
| Orleans County | 14 | 6 | 1.7% |
| Wyoming County | 14 | 6 | 1.7% |
| Seneca County | 16 | 4 | 1.8% |
| Genesee County | 18 | 6 | 1.3% |
| Madison County | 19 | 10 | 1.7% |
| Clinton County | 19 | 4 | 0.8% |
| Hamilton County | 19 | 1 | 2.3% |
| Cayuga County | 20 | 7 | 1.3% |
| Tompkins County | 20 | 4 | 0.7% |
| Washington County | 21 | 6 | 1.0% |
| Jefferson County | 25 | 9 | 0.8% |
| Ontario County | 25 | 7 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology