Farm Credit East Aca
Enfield, CT · What the federal mortgage record shows about how Farm Credit East Aca treated New Jersey applicants, 2018–2025 — 482 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 482 New Jersey applications Farm Credit East Aca approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Farm Credit East Aca’s rates ran +0.21 pp higher than the typical New Jersey lender (average rate spread +0.44 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Farm Credit East Aca approves
Why Farm Credit East Aca denied applications
Where Farm Credit East Aca lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Salem County | 71 | 97.2% |
| Cumberland County | 67 | 97.0% |
| Hunterdon County | 61 | 96.7% |
| Gloucester County | 51 | 86.3% |
| Burlington County | 50 | 92.0% |
| Monmouth County | 39 | 100.0% |
| Warren County | 29 | 100.0% |
| Atlantic County | 28 | 85.7% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Farm Credit East Aca’s home-purchase originations — 0.09 points higher than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Farm Credit East Aca to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Farm Credit East Aca (LEI 549300S5NLOTO329NX77). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →