Mortgage Lender Index

Farm Credit East, ACA

Farm Credit East, ACA received 648 applications in 2025 and made 571 mortgages, in 120 counties across 10 states. The median rate its borrowers got was 6.900% on a median loan of $275,000. Of 630 decisions, 18 were denials — 2.9%, most often for collateral.

Legal Entity Identifier549300S5NLOTO329NX77
Applications received648
Mortgages made571
Denied18
Approved, not taken up41
Withdrawn or incomplete18
Loans bought from other lenders0
Median rate spread over the prime offer rate0.111 points
FDIC-insured bankThis lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.

By loan purpose

PurposeMortgages madeMedian rateMedian loanDenied
Home purchase399 7.000%$305,000 2.3%
Refinancing77 6.750%$205,000 1.2%
Other purposes95 6.850%$195,000 6.4%

Where Farm Credit East, ACA lends most

The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.

CountyMortgages madeMedian rateDenied
Chautauqua County, NY 417.100%0.0%
Montgomery County, NY 236.750%0.0%
Steuben County, NY 197.000%17.4%
St. Lawrence County, NY 176.850%0.0%
Lewis County, NY 167.225%0.0%
Onondaga County, NY 166.925%0.0%
Cattaraugus County, NY 157.050%0.0%
Oneida County, NY 146.875%11.1%
Oswego County, NY 147.275%6.7%
Otsego County, NY 146.800%0.0%
Jefferson County, NY 137.250%0.0%
Madison County, NY 137.250%0.0%
Chenango County, NY 126.750%7.7%
Allegany County, NY 116.900%7.7%
Yates County, NY 117.000%8.3%
Cumberland County, NJ 107.000%0.0%
Plymouth County, MA 9Under 10 loans15.4%
Cayuga County, NY 8Under 10 loans0.0%
Ontario County, NY 8Under 10 loans0.0%
Saratoga County, NY 8Under 10 loans0.0%
Seneca County, NY 8Under 10 loans0.0%
Washington County, NY 8Under 10 loans0.0%
Wyoming County, NY 8Under 10 loans0.0%
Monmouth County, NJ 7Under 10 loans0.0%
Erie County, NY 7Under 10 loans0.0%
Genesee County, NY 7Under 10 loans0.0%
Orleans County, NY 7Under 10 loans12.5%
Hillsborough County, NH 6Under 10 loans0.0%
Hunterdon County, NJ 6Under 10 loans0.0%
Warren County, NJ 6Under 10 loans0.0%
Clinton County, NY 6Under 10 loans0.0%
Wayne County, NY 6Under 10 loans0.0%
Southeastern Connecticut Planning Region, CT 5Under 10 loans0.0%
Morris County, NJ 5Under 10 loans0.0%
Columbia County, NY 5Under 10 loans0.0%
Cortland County, NY 5Under 10 loans0.0%
Dutchess County, NY 5Under 10 loans0.0%
Franklin County, NY 5Under 10 loans16.7%
Capitol Planning Region, CT 4Under 10 loans0.0%
Northeastern Connecticut Planning Region, CT 4Under 10 loans0.0%
Hampshire County, MA 4Under 10 loans0.0%
Worcester County, MA 4Under 10 loans0.0%
Gloucester County, NJ 4Under 10 loans0.0%
Delaware County, NY 4Under 10 loans0.0%
Herkimer County, NY 4Under 10 loans0.0%
Livingston County, NY 4Under 10 loans0.0%
Niagara County, NY 4Under 10 loans0.0%
Rensselaer County, NY 4Under 10 loans0.0%
Suffolk County, NY 4Under 10 loans0.0%
Tompkins County, NY 4Under 10 loans0.0%

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When Farm Credit East, ACA’s figures are published for the next year, or restated.

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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.