Farm Credit East, ACA in New York vs the state
2.7%Denial rate-17.08 pts vs state
2.7%Decision denial rate-21.33 pts vs state
90.9%Origination rate+31.30 pts vs state
6.95%Median rate+0.33 pts vs state
0.11Rate spread (pts)-0.10 pts vs state
$117kMedian applicant income
409Loans originated
12Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 402 | 340 | 4.0% | 7.30% | #133 |
| 2024 | 439 | 379 | 3.0% | 7.15% | #130 |
| 2025 | 450 | 409 | 2.7% | 6.95% | #143 |
What Farm Credit East, ACA lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Farm Credit East, ACA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chautauqua County | 44 | 41 | 0 | 0.0% |
| Montgomery County | 24 | 23 | 0 | 0.0% |
| Steuben County | 23 | 19 | 4 | 17.4% |
| St. Lawrence County | 19 | 17 | 0 | 0.0% |
| Oneida County | 19 | 14 | 2 | 10.5% |
| Onondaga County | 17 | 16 | 0 | 0.0% |
| Lewis County | 16 | 16 | 0 | 0.0% |
| Cattaraugus County | 15 | 15 | 0 | 0.0% |
| Oswego County | 15 | 14 | 1 | 6.7% |
| Otsego County | 14 | 14 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 450 applications in 2025, of which 409 were originated and 12 denied.
2.7% of all applications, or 2.7% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Farm Credit East, ACA originated in New York in 2025 was 6.95%, against a statewide median of 6.63%.
About this data. Figures are Farm Credit East, ACA's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology