What loan types does Allegacy Federal Credit Union offer?

Allegacy Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Allegacy Federal Credit Union offer mortgages?

Allegacy Federal Credit Union offers mortgages in 11 states: AL, FL, GA, MA, MO, NC, NJ, OK, PA, SC, VA.

How competitive are Allegacy Federal Credit Union's mortgage rates?

Allegacy Federal Credit Union has an overall pricing score of 85.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Allegacy Federal Credit Union?

Allegacy Federal Credit Union is a Credit Union headquartered in Winston-Salem, NC.

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Allegacy Federal Credit Union

Credit Union•Winston-Salem, NCHQ•Direct•Reviews near you on Google

Allegacy Federal Credit Union has 290 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 30.10 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Allegacy Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 30.1 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

277 loans · 0.30% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

148 loans · 0.37% below market

Sound

Top 60% of lenders

3/5

Refinance

142 loans · 0.29% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Sound	277	95.5%	-0.301%Below	$160Credit

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume277

Mix95.5%

Spread

-0.301%Below

Fees

$160Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	—	Sound	148	51.0%	-0.369%Below	$332Fees
Refinance	Strong	Strong	Exceptional	Strong	142	49.0%	-0.295%Below	$201Credit

Purchase

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume148

Mix51.0%

Spread

-0.369%Below

Fees

$332Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume142

Mix49.0%

Spread

-0.295%Below

Fees

$201Credit

At a Glance

Lender Overview

Lending Activity

Loans Originated

290

Applications

452

Volume

$74 million

Pricing & Closing

Avg Rate Spread

-0.301%

vs. market APOR

Avg Net Fees

$-160

Origination − Credits

Pullthrough Rate

64.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$256,724

Avg Borrower Income

$130,203

Avg Property Value

$397,379

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

11Full-year 2024 · HMDA

Loans originated

< 200200+None

Northeast3

MANJPA

Midwest1

South7

ALFLGANCOKSCVA

Top Metro Areas by Place Specialization Score

Winston, NCMetro

Volume 186Mix 64.14% of portfolio

91/100

Exceptional

Greensboro, NCMetro

Volume 25Mix 8.62% of portfolio

59/100

Sound

Charlotte, NC-SCMetro

Volume 24Mix 8.28% of portfolio

53/100

Sound

Top States by Place Specialization Score

North CarolinaState

Volume 266Mix 91.72% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.