Get & compare mortgage quotes anonymously Start in My Home
FCEA
Unclaimed

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.

Safe Rate 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
Promptness
Not enough data
—/5
No quote responses measured yet

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
3/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
325 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
Jumbo
15 loans · 0.00% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
310 loans · 0.18% above market
Sound
Top 60% of lenders
3/5
Refinance
30 loans · 0.33% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

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

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
4
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

11Full-year 2024 · HMDA
11 states with loan originations
Loans originated
< 1010–5050+None
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
2© Theresa Marconi · CC BY-SA 3.0
Rochester, NYMetro
Volume 21Mix 6.18% of portfolio
51/100
Sound
3© Stilfehler · CC BY-SA 3.0
Syracuse, NYMetro
Volume 19Mix 5.59% of portfolio
51/100
Sound
4© Khtexg98537 at English Wikipedia · CC BY-SA 3.0
Albany, NYMetro
Volume 14Mix 4.12% of portfolio
47/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 240Mix 70.59% of portfolio
75/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 37Mix 10.88% of portfolio
56/100
Sound
New Hampshire
New Hampshire
3
New HampshireState
Volume 14Mix 4.12% of portfolio
47/100
Sound
Vermont
Vermont
4
VermontState
Volume 12Mix 3.53% of portfolio
45/100
Sound
Connecticut
Connecticut
5
ConnecticutState
Volume 12Mix 3.53% of portfolio
43/100
Sound
Massachusetts
Massachusetts
6
MassachusettsState
Volume 10Mix 2.94% of portfolio
40/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of Farm Credit East, ACA?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.