Farm Credit East, ACA closing costs and rates (2024)
In 2024, Farm Credit East, ACA originated 328 purchase mortgages at a median interest rate of 7.25% and median total closing costs of $5,780. That is $961 below the national median of $6,741. Farm Credit East, ACA is most active in New York with 240 originations there.
Purchase Originations
328
Median Total Costs
$5,780
−14.3% vs national ($6,741)
Median Rate
7.250%
+9.5% vs national (6.620%)
Median Origination
$2,421
Median Lender Credits
$200
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 328 | 7.250% | $5,780 | $2,421 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New York | 240 | 7.325% | $5,412 | #73 |
| New Jersey | 34 | 6.975% | $7,820 | — |
| New Hampshire | 12 | 6.975% | $4,786 | — |
| Vermont | 12 | 8.250% | $7,043 | — |
| Connecticut | 10 | 6.775% | $5,274 | — |
| Massachusetts | 8 | 6.825% | $6,295 | — |
| Maine | 8 | 7.750% | $4,914 | — |
| Pennsylvania | 3 | 7.750% | $3,850 | — |
| Rhode Island | 1 | 6.750% | $22,926 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,725 | 6.750% | — | 6 | −$2,055 | |
| 2 | $4,115 | 7.250% | — | 7 | −$1,665 | |
| 3 | $4,299 | 6.850% | — | 8 | −$1,481 | |
| 4 | $4,316 | 7.075% | — | 6 | −$1,464 | |
| 5 | $4,566 | 7.325% | — | 8 | −$1,214 | |
| 6 | $4,624 | 6.775% | — | 12 | −$1,156 | |
| 7 | $4,678 | 7.650% | — | 8 | −$1,102 | |
| 8 | $4,840 | 7.650% | — | 11 | −$940 | |
| 9 | $5,002 | 6.850% | — | 6 | −$778 | |
| 10 | $5,330 | 6.850% | — | 9 | −$450 | |
| 11 | $5,383 | 7.675% | — | 8 | −$397 | |
| 12 | $5,423 | 7.500% | — | 9 | −$357 | |
| 13 | $6,331 | 7.600% | — | 12 | +$551 | |
| 14 | $6,337 | 7.625% | — | 6 | +$557 | |
| 15 | $6,415 | 7.975% | — | 8 | +$635 | |
| 16 | $6,458 | 7.300% | — | 20 | +$678 | |
| 17 | $6,730 | 6.950% | — | 7 | +$950 | |
| 18 | $6,779 | 8.000% | — | 6 | +$999 | |
| 19 | $6,896 | 8.125% | — | 6 | +$1,116 | |
| 20 | $8,609 | 6.825% | — | 8 | +$2,829 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.