# ALLEGACY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/allegacy-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

ALLEGACY FEDERAL CREDIT UNION is a credit union, headquartered in Winston-Salem, NC, serving borrowers across 11 states, with 290 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300TQWW6MLVH6KY61
- **Headquarters:** Winston-Salem, NC
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AL, FL, GA, MA, MO, NC, NJ, OK, PA, SC, VA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.301%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-160
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 290
- **Dollar Volume:** $74 million
- **Applications Received:** 452
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $256,724
- **Average Borrower Income:** $130,203

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 277 | -0.301% | $-160 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 139 loans, Score: 49/100 (Sound)
- Refinance: 138 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 148 | $50M | -0.369% | Sound ☺️ |
| Refinance | 71/100 | 142 | $25M | -0.295% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 266 | 0.18% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Winston | NC | 186 | 91/100 |
| Greensboro | NC | 25 | 59/100 |
| Charlotte | NC-SC | 24 | 53/100 |
| Non |  | 20 | 31/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.301% below market average.

### What type of lender is ALLEGACY FEDERAL CREDIT UNION?

ALLEGACY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Winston-Salem, NC.

### What is ALLEGACY FEDERAL CREDIT UNION's loan approval success rate?

ALLEGACY FEDERAL CREDIT UNION has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/allegacy-federal-credit-union

### How to Cite

> "ALLEGACY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/allegacy-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/allegacy-federal-credit-union)**