Applications / Mortgage Analytics / Lenders / Connecticut / Farm Credit East
Enfield, CT · Independent non-bank lender · CFPB · 571 loans in 2025
Farm Credit East's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
571
loans originated, 2025
648
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farm Credit East is a rural lender that makes only conventional loans, mostly to buy homes in upstate New York and Vermont, and ranks 13 of 377 lenders in non-metro New York.
Every loan it made was conventional, with no backing from the Federal Housing Administration or other federal agencies. Similar lenders, independent non-bank lenders making between half and twice as many loans, put 21.5% into loans insured by the Federal Housing Administration (FHA). Purchases were 69.9% of its lending, and home improvement a sizable 15.2%.
Its biggest market is non-metro New York, followed by New York City's metro area, where it ranks only 362 of 802. In Syracuse it ranks 40 of 246, with 0.5% of lending, up from 0.4%. Only 7.4% of its loans went to low- and moderate-income neighborhoods, against 18.5% at peers. Its mainly rural footprint may account for much of that.
Its typical loan, $275,000, is smaller than peers' $325,000, yet 4.3% of its loans were jumbo (larger than the conforming limit), against 1.1% at peers. That suggests a lender serving both modest rural buyers and some costly properties.
It made 571 loans, up 7% on the year, faster than similar lenders' 2% but slower than the market's 10%. Lending has risen each year since 2023, though it remains below the 646 loans of 2021.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farm Credit East took 648 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.9% · Home improvement 15.2% · Refinance 13.5% · Other 1.4%
Conventional 100.0% · of 571 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 409 | 71.6% |
| New Jersey | 56 | 9.8% |
| Vermont | 28 | 4.9% |
| Massachusetts | 22 | 3.9% |
| Connecticut | 19 | 3.3% |
| New Hampshire | 16 | 2.8% |
| Maine | 12 | 2.1% |
| Pennsylvania | 5 | 0.9% |
| Rhode Island | 3 | 0.5% |
| Florida | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Syracuse | 43 |
| Rochester | 28 |
| Albany-Schenectady-Troy | 21 |
| Utica-Rome | 18 |
| Newark | 13 |
| Watertown-Fort Drum | 13 |
| Buffalo-Cheektowaga | 11 |
| Lakewood-New Brunswick | 11 |
| Vineland | 10 |
| Boston | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S5NLOTO329NX77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4537287 | 2013–2021 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2507923 | 2019–2023 |
| Respondent ID (the HMDA filer code before 2018) | 760800610 |
Established 6 June 2013. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Farm Credit East's data.
Farm Credit East's data
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Farm Credit East and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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