What loan types does LANGLEY Federal Credit Union offer?

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

Where does LANGLEY Federal Credit Union offer mortgages?

LANGLEY Federal Credit Union offers mortgages in 3 states: MD, NC, VA.

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

LANGLEY Federal Credit Union has an overall pricing score of 84.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is LANGLEY Federal Credit Union?

LANGLEY Federal Credit Union is a Credit Union headquartered in Newport News, VA.

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LANGLEY Federal Credit Union

Credit Union•Newport News, VAHQ•Direct•Reviews near you on Google

LANGLEY Federal Credit Union has 198 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

Sound

3/5

Conventional

Place

Exceptional

5/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Refinance

Superstar

Summary

What They Do Well

Offers rates 38.90 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

LANGLEY Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 38.9 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

181 loans · 0.45% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

145 loans · 0.35% below market

Sound

Top 60% of lenders

3/5

Refinance

53 loans · 0.49% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Exceptional

Top 20% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	181	91.4%	-0.446%Below	$1,253Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume181

Mix91.4%

Spread

-0.446%Below

Fees

$1,253Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Exceptional	Sound	145	73.2%	-0.350%Below	$1,208Fees
Refinance	Strong	Sound	Exceptional	Strong	53	26.8%	-0.490%Below	$1,184Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume145

Mix73.2%

Spread

-0.350%Below

Fees

$1,208Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume53

Mix26.8%

Spread

-0.490%Below

Fees

$1,184Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

198

Applications

264

Volume

$57 million

Pricing & Closing

Avg Rate Spread

-0.389%

vs. market APOR

Avg Net Fees

$1,201

Origination − Credits

Pullthrough Rate

75.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$291,717

Avg Borrower Income

$124,379

Avg Property Value

$385,808

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 1010+None

South3

MDNCVA

Top Metro Areas by Place Specialization Score

Virginia Beach, VA-NCMetro

Volume 168Mix 84.85% of portfolio

80/100

Exceptional

Top States by Place Specialization Score

VirginiaState

Volume 183Mix 92.42% of portfolio

77/100

Strong

North CarolinaState

Volume 14Mix 7.07% of portfolio

43/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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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.