Farm Credit East, ACA mortgage approval rate & lending review
Farm Credit East, ACA decided 803 mortgage applications and funded 707 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Farm Credit East, ACA reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to farmcrediteast.com.
Farm Credit East, ACA at a glance
Approval is 14.1 points above the 82.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 538 / 557 | 90% | $305K | 484 |
| Home improvement loans | 97% | 90 / 93 | 92% | $155K | 83 |
| Refinance | 99% | 96 / 97 | 93% | $185K | 89 |
| Investment property purchase | 98% | 42 / 43 | 90% | $185K | 38 |
Farm Credit East, ACA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 97% | $245K | 490 | 446 |
| New Jersey | 97% | $485K | 146 | 118 |
| Massachusetts | 98% | $525K | 60 | 51 |
| Connecticut | 97% | $545K | 37 | 29 |
| New Hampshire | 97% | $305K | 33 | 30 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Farm Credit East, ACA lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chautauqua County, NY | Mortgage lenders | 97% | 88 | 80 |
| Oneida County, NY | Mortgage lenders | 97% | 37 | 33 |
| Jefferson County, NY | Mortgage lenders | 100% | 25 | 24 |
| St. Lawrence County, NY | Mortgage lenders | 100% | 26 | 24 |
| Onondaga County, NY | Mortgage lenders | 91% | 23 | 20 |
| Saratoga County, NY | Mortgage lenders | 100% | 20 | 19 |
| Oswego County, NY | Mortgage lenders | 90% | 20 | 17 |
| Cumberland County, NJ | Mortgage lenders | 95% | 20 | 15 |
The county markets where Farm Credit East, ACA made the most loans. Each link opens that market with every lender ranked.
Questions about Farm Credit East, ACA
What is Farm Credit East, ACA's mortgage approval rate?
Farm Credit East, ACA approved 97.0% of the 803 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.1 points above the 82.9% national rate for the same mix of loan types.
How often do borrowers take the loan Farm Credit East, ACA offers?
Borrowers accepted 91% of the loans Farm Credit East, ACA approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Farm Credit East, ACA make?
The typical home purchase mortgage loan Farm Credit East, ACA made was $305K; across all loan types its typical loan ran from $155K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Farm Credit East, ACA lend?
Farm Credit East, ACA decided applications in 10 of the states Fat Boy Data covers, most of them in New York, New Jersey and Massachusetts.
Can I apply to Farm Credit East, ACA directly?
Yes. Farm Credit East, ACA reports as a direct lender that takes applications from borrowers. Its website is farmcrediteast.com.
Does this page show Farm Credit East, ACA's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Farm Credit East, ACA treats applications, then get a rate quote from the lender.