Farm Credit East, ACA in New Jersey vs the state
1.5%Denial rate-16.15 pts vs state
1.6%Decision denial rate-21.44 pts vs state
86.2%Origination rate+30.47 pts vs state
6.80%Median rate+0.05 pts vs state
0.13Rate spread (pts)-0.15 pts vs state
$186kMedian applicant income
56Loans originated
1Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 57 | 42 | 1.8% | 7.40% | #319 |
| 2024 | 63 | 50 | 4.8% | 6.90% | #318 |
| 2025 | 65 | 56 | 1.5% | 6.80% | #321 |
What Farm Credit East, ACA lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Farm Credit East, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cumberland County | 11 | 10 | 0 | 0.0% |
| Hunterdon County | 7 | 6 | 0 | 0.0% |
| Monmouth County | 7 | 7 | 0 | 0.0% |
| Warren County | 6 | 6 | 0 | 0.0% |
| Salem County | 6 | 3 | 0 | 0.0% |
| Morris County | 5 | 5 | 0 | 0.0% |
| Atlantic County | 4 | 3 | 0 | 0.0% |
| Gloucester County | 4 | 4 | 0 | 0.0% |
| Burlington County | 3 | 1 | 1 | 33.3% |
| Mercer County | 2 | 2 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 65 applications in 2025, of which 56 were originated and 1 denied.
1.5% of all applications, or 1.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Farm Credit East, ACA originated in New Jersey in 2025 was 6.80%, against a statewide median of 6.75%.
About this data. Figures are Farm Credit East, ACA's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology