Get & compare mortgage quotes anonymously Start in My Home
LG
Unclaimed

Local Government

Credit Union•Raleigh, NCHQ•Direct•Reviews near you on Google

Local Government has 212 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Acceptable
2/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Regional · 5 mkts

Safe Rate Summary

Things to Think About

  • Rates typically 70 basis points above market average
  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Local Government performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+70.2 bps above market avg
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Acceptable
Volume212
Mix100.0%
Spread
+0.702%Above
Fees
$1,927Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Acceptable
Pull Through
Acceptable
Volume168
Mix79.2%
Spread
+0.555%Above
Fees
$1,949Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Mediocre
Pull Through
Mediocre
Volume44
Mix20.8%
Spread
+1.055%Above
Fees
$1,875Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
212
Applications
558
Volume
$44 million
Pricing & Closing
Avg Rate Spread
+0.702%
vs. market APOR
Avg Net Fees
$1,927
Origination − Credits
Pullthrough Rate
38.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$207,689
Avg Borrower Income
$89,014
Avg Property Value
$250,896

Geographic Coverage

Geographic Performance

Metro Areas
5
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

5
5 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South5
GANCSCTNVA

Top Metro Areas by Place Specialization Score

1© chucka_nc · CC BY-SA 2.0
Charlotte, NC-SCMetro
Volume 30Mix 14.15% of portfolio
57/100
Sound
2© Warren LeMay from Cullowhee, NC, United States · CC0
Greensboro, NCMetro
Volume 19Mix 8.96% of portfolio
56/100
Sound
3© DiscoA340 · CC BY-SA 4.0
Winston, NCMetro
Volume 17Mix 8.02% of portfolio
53/100
Sound
4© Unknown authorUnknown author · Public domain
Hickory, NCMetro
Volume 15Mix 7.08% of portfolio
52/100
Sound
5© Bjoertvedt · CC BY-SA 4.0
Wilmington, NCMetro
Volume 10Mix 4.72% of portfolio
46/100
Sound

Top States by Place Specialization Score

North Carolina
North Carolina
1
North CarolinaState
Volume 199Mix 93.87% of portfolio
72/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

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

Looking for a different lender?

Are you the owner of Local Government?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile
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.