Assemblies Of God Credit Union Mortgage Rates, Fees & Info
Springfield, MOLEI: 5493007OXXFLNNHTW637
Tax ID: 44-0599527
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Mortgage Data
Review & Overview
Assemblies Of God Credit Union is a smaller credit union specializing in loans. Assemblies Of God Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Springfield, Branson, Kansas City, Maryville, and Dallas among others. We have data for 48 markets. (Some data included below & more in-depth data is available with an active subscription.)Assemblies Of God Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Assemblies Of God Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.72% | 3/27/23 |
| 30 Year Conventional Refi | 6.76% | 3/27/23 |
| 30 Year Cash-out Refi | 6.66% | 3/27/23 |
| 30 Year FHA Purchase | 7.99% | 3/27/23 |
| 30 Year VA Purchase | 6.11% | 3/27/23 |
| 30 Year USDA Purchase | 6.54% | 3/27/23 |
| 15 Year Conventional Purchase | 6.13% | 3/27/23 |
| 15 Year Conventional Refi | 6.50% | 3/27/23 |
| 15 Year Cash-out Refi | 6.50% | 3/27/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
675Origination Dollar Volume (All Markets)
$165,745,000Awards
ASSEMBLIES OF GOD Credit Union - 2022
ASSEMBLIES OF GOD Credit Union is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Assemblies Of God Credit Union's average 30 year fixed mortgage rate was
4.7%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -0.06%.
Relative Fees (Closing Costs)
Assemblies Of God Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $3,294.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SPRINGFIELD, MO (FHA|USDA|VA) | 474 | $101,820,000 | $214,810 | $2,755 | 4.71% |
| Branson, MO (FHA|USDA|VA) | 26 | $14,500,000 | $557,692 | $5,028 | 4.70% |
| Outside of Metro Areas | 44 | $9,360,000 | $212,727 | $2,425 | 4.81% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 29 | $8,325,000 | $287,069 | $2,979 | 4.89% |
| Maryville, MO (FHA|USDA|VA) | 19 | $3,175,000 | $167,105 | $2,348 | 5.10% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $2,775,000 | $555,000 | $5,351 | 4.37% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $2,355,000 | $471,000 | $3,214 | 4.47% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $2,165,000 | $721,667 | $5,848 | 4.33% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $1,625,000 | $232,143 | $2,936 | 5.53% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,460,000 | $243,333 | $4,349 | 4.81% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $12,673 | 4.25% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $8,938 | 4.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $7,814 | 4.00% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $2,761 | 3.25% |
| Lebanon, MO (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $4,332 | 4.08% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $2,396 | 5.56% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $3,033 | 4.49% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $6,556 | 5.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,547 | 4.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,510 | 4.19% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,452 | 4.92% |
| Lufkin, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $4,262 | 5.50% |
| TULSA, OK (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,735 | 5.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $4,204 | 7.06% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $1,683 | 5.50% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,268 | 5.68% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $3,995 | 5.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,330 | 5.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,005 | 6.06% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,856 | 3.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,461 | 4.99% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,893 | 6.63% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,349 | 3.25% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,325 | 3.38% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,940 | 5.88% |
| West Plains, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,260 | 6.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,508 | 5.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,808 | 5.50% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,531 | 3.88% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $988 | 4.75% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,730 | 6.38% |
| Macomb, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,212 | 4.25% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,602 | 6.75% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,424 | 6.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,203 | 3.50% |
| Dublin, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,710 | 3.50% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,370 | 3.38% |
| Russellville, AR (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $898 | 4.13% |
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Product Mix
For 2022, Assemblies Of God Credit Union's most frequently originated type of loan was Conventional, with 652 originations. Their 2nd most popular type was VA, with 13 originations.
Loan Reason
For 2022, Assemblies Of God Credit Union's most frequently cited loan purpose was Home Purchase, with 487 originations. The 2nd most popular reason was Refi, with 92 originations.
Loan Duration/Length
For 2022, Assemblies Of God Credit Union's most frequently cited loan duration was 30 Year, with 557 originations. The 2nd most popular length was 15 Year, with 109 originations.
Origination Fees/Closing Costs
Assemblies Of God Credit Union's average total fees were $3,294, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 488 originations.
Interest Rates
During 2022, Assemblies Of God Credit Union's average interest rate for loans was 4.70%, while their most frequently originated rate bucket for loans was 3-4%, with 206 originations.
Loan Sizing
2022 saw Assemblies Of God Credit Union place emphasis on $200k-400k loans with 276 originations, totaling $73,110,000 in origination value.
Applicant Income
Assemblies Of God Credit Union lent most frequently to those with incomes in the $250k+ range, with 136 originations. The second most popular income band? $50k-75k, with 126 originations.
Applicant Debt to Income Ratio
Assemblies Of God Credit Union lent most frequently to those with DTI ratios of 20-30%, with 138 originations. The next most common DTI ratio? <20%, with 116 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.35%
Assemblies Of God Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination74.81%
Assemblies Of God Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 675 | $165,745,000 | $245,548 |