Assemblies Of God Credit Union Mortgage Rates, Fees & Info

Springfield, MO

LEI: 5493007OXXFLNNHTW637

Tax ID: 44-0599527

5 stars - Updated: 7/13/25 - out of 5 stars, based on 19 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Assemblies Of God Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Assemblies Of God Credit Union has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Springfield, Kansas City, Maryville, Chicago, and Tulsa among others. We have data for 35 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 7.01% 7/13/25
    30 Year Conventional Refi 6.72% 7/13/25
    30 Year Cash-out Refi 7.45% 7/13/25
    30 Year FHA Purchase 6.84% 7/13/25
    30 Year FHA Refi 6.87% 7/13/25
    30 Year VA Purchase 6.31% 7/13/25
    30 Year VA Refi 5.90% 7/13/25
    30 Year USDA Purchase 6.85% 7/13/25
    15 Year Conventional Purchase 6.69% 7/13/25
    15 Year Conventional Refi 7.35% 7/13/25
    15 Year Cash-out Refi 7.35% 7/13/25
    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.

    Assemblies Of God Credit Union Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Assemblies Of God Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    355

    Origination Dollar Volume (All Markets)

    $85,405,000
    Show all (7) awards

    Relative Rate

    Assemblies Of God Credit Union's average 30 year fixed mortgage rate was 6.83%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of 0.28%.

    Relative Fees (Closing Costs)

    Assemblies Of God Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $3,629.

    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 $8,356.

    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) 220 $53,810,000 $244,591 $3,503 6.85%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 27 $7,475,000 $276,852 $3,577 6.72%
    Outside of Metro Areas 28 $4,970,000 $177,500 $2,349 6.95%
    Maryville, MO (FHA|USDA|VA) 25 $4,375,000 $175,000 $2,300 6.92%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 4 $1,810,000 $452,500 $3,134 7.37%
    TULSA, OK (FHA|USDA|VA) 3 $1,405,000 $468,333 $3,811 7.33%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,275,000 $255,000 $3,755 6.97%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 6 $1,100,000 $183,333 $2,419 6.64%
    MUNCIE, IN (FHA|USDA|VA) 2 $980,000 $490,000 $5,192 7.75%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $765,000 $765,000 $4,592 6.88%
    JOPLIN, MO (FHA|USDA|VA) 3 $645,000 $215,000 $2,709 6.83%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $640,000 $320,000 $3,413 6.63%
    Branson, MO (FHA|USDA|VA) 4 $610,000 $152,500 $3,996 7.53%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $525,000 $525,000 $4,532 6.99%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $485,000 $485,000 $3,175 9.00%
    CLEVELAND, TN (FHA|USDA|VA) 2 $410,000 $205,000 $2,231 6.87%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $10,197 6.49%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $385,000 $385,000 $2,314 6.88%
    Lebanon, MO (FHA|USDA|VA) 1 $345,000 $345,000 $3,699 6.38%
    MADISON, WI (FHA|USDA|VA) 1 $325,000 $325,000 $2,172 7.50%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $305,000 $305,000 $6,252 6.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $7,550 5.99%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $255,000 $255,000 $2,311 6.12%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,510 6.38%
    ST. JOSEPH, MO-KS (FHA|USDA|VA) 3 $235,000 $78,333 $2,250 8.50%
    Mountain Home, AR (FHA|USDA|VA) 1 $225,000 $225,000 $1,860 6.99%
    WICHITA, KS (FHA|USDA|VA) 1 $205,000 $205,000 $2,328 6.13%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $185,000 $185,000 $3,893 6.75%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $165,000 $165,000 $3,601 6.38%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,072 7.50%
    GADSDEN, AL (FHA|USDA|VA) 1 $145,000 $145,000 $4,041 6.99%
    West Plains, MO (FHA|USDA|VA) 1 $135,000 $135,000 $3,752 6.62%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $65,000 $65,000 $1,419 7.50%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $55,000 $55,000 $1,533 8.50%
    Warrensburg, MO (FHA|USDA|VA) 1 $45,000 $45,000 $650 7.50%
    Assemblies Of God Credit Union's top markets include Springfield, Kansas City, Maryville, Chicago, and Tulsa among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against ASSEMBLIES OF GOD Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    HNB National Bank
    Similarity Rank: 96
    GSB MORTGAGE, INC.
    Similarity Rank: 133
    Generations Bank
    Similarity Rank: 147
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 154
    United Community Bank
    Similarity Rank: 276
    BLUCURRENT
    Similarity Rank: 392
    DATCU
    Similarity Rank: 468
    Springfield First Community Bank
    Similarity Rank: 493
    Landmark National Bank
    Similarity Rank: 525
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 602

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 316 $74,480,000 $235,696 $2,807 7.00%
    FHA 27 $7,585,000 $280,926 $8,439 6.10%
    VA 10 $2,980,000 $298,000 $4,439 5.88%
    USDA 2 $360,000 $180,000 $4,127 6.44%

    For 2024, Assemblies Of God Credit Union's most frequently originated type of loan was Conventional, with 316 originations. Their 2nd most popular type was FHA, with 27 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 227 $56,415,000 $248,524 $3,879 6.82%
    Refi 75 $21,705,000 $289,400 $2,459 6.49%
    Cash Out Refi 50 $7,110,000 $142,200 $1,910 7.71%
    Other 2 $70,000 $35,000 $241 8.00%
    Home Improvement 1 $105,000 $105,000 $0 9.88%

    For 2024, Assemblies Of God Credit Union's most frequently cited loan purpose was Home Purchase, with 227 originations. The 2nd most popular reason was Refi, with 75 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 300 $78,950,000 $263,167 $3,629 6.83%
    15 Year 41 $3,045,000 $74,268 $869 7.52%
    20 Year 11 $2,645,000 $240,455 $2,126 6.18%
    1 Year 2 $610,000 $305,000 $8,265 7.63%
    10 Year 1 $155,000 $155,000 $3,160 5.99%

    For 2024, Assemblies Of God Credit Union's most frequently cited loan duration was 30 Year, with 300 originations. The 2nd most popular length was 15 Year, with 41 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 238 $53,340,000 $224,118
    $1k-2k 68 $17,150,000 $252,206
    $2k-3k 24 $6,370,000 $265,417
    $3k-4k 12 $3,730,000 $310,833
    $5k+ 8 $3,350,000 $418,750
    $4k-5k 4 $1,440,000 $360,000

    Assemblies Of God Credit Union's average total fees were $3,629, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 238 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 179 $47,085,000 $263,045
    7-8% 112 $21,930,000 $195,804
    5-6% 42 $12,610,000 $300,238
    Over 8% 21 $3,705,000 $176,429
    4-5% 1 $75,000 $75,000

    During 2024, Assemblies Of God Credit Union's average interest rate for loans was 6.83%, while their most frequently originated rate bucket for loans was 6-7%, with 179 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 140 $38,730,000 $276,643 $3,709 6.66%
    $100k-200k 110 $17,370,000 $157,909 $2,937 6.99%
    $100,000 or less 59 $3,375,000 $57,203 $1,427 7.38%
    $400k-600k 31 $14,345,000 $462,742 $5,506 6.65%
    $600k-1MM 13 $9,275,000 $713,462 $5,076 7.01%
    $1MM+ 2 $2,310,000 $1,155,000 $2,893 6.44%

    2024 saw Assemblies Of God Credit Union place emphasis on $200k-400k loans with 140 originations, totaling $38,730,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 90 $16,660,000 $185,111 $3,222 6.83%
    $100k-150k 89 $23,245,000 $261,180 $3,482 6.91%
    $75k-100k 59 $13,195,000 $223,644 $3,632 6.94%
    $150k-250k 50 $15,990,000 $319,800 $2,936 6.87%
    $50k or less 43 $5,665,000 $131,744 $2,698 6.84%
    $250k+ 24 $10,650,000 $443,750 $3,945 7.06%

    Assemblies Of God Credit Union lent most frequently to those with incomes in the $50k-75k range, with 90 originations. The second most popular income band? $100k-150k, with 89 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 69 $14,035,000 $203,406 $3,045 6.86%
    30-36% 68 $16,020,000 $235,588 $3,024 6.85%
    <20% 37 $5,825,000 $157,432 $2,306 7.06%
    50-60% 22 $5,510,000 $250,455 $4,275 7.07%
    43% 17 $4,515,000 $265,588 $3,367 6.83%
    44% 16 $4,820,000 $301,250 $2,850 6.77%
    37% 14 $3,110,000 $222,143 $3,679 7.12%
    47% 13 $2,825,000 $217,308 $3,761 6.83%
    46% 12 $2,050,000 $170,833 $3,485 7.02%
    49% 12 $3,450,000 $287,500 $4,005 6.89%
    41% 11 $2,675,000 $243,182 $3,563 6.51%
    42% 9 $2,895,000 $321,667 $4,823 6.90%
    >60% 8 $3,850,000 $481,250 $3,867 7.34%
    39% 8 $2,510,000 $313,750 $4,433 6.86%
    45% 8 $1,920,000 $240,000 $3,437 6.31%
    38% 8 $1,530,000 $191,250 $3,006 6.83%
    40% 6 $1,470,000 $245,000 $4,512 6.91%
    36% 6 $2,010,000 $335,000 $3,218 6.85%
    48% 4 $1,530,000 $382,500 $3,283 6.78%

    Assemblies Of God Credit Union lent most frequently to those with DTI ratios of 20-30%, with 69 originations. The next most common DTI ratio? 30-36%, with 68 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 338 $81,210,000 $240,266 $3,297 6.89%
    Asian 8 $1,850,000 $231,250 $3,196 6.92%
    Black 6 $1,360,000 $226,667 $4,036 6.69%
    American Indian 3 $985,000 $328,333 $2,866 7.08%

    Approval Rates

    Total approvals of all applications
    98.28%

    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 origination
    87.32%

    Assemblies Of God Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 355 $85,405,000 $240,577

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    355 $85,405,000 $240,577

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 26 $2,960,000 $113,846 $1,689 7.22%
    40-60% 45 $9,905,000 $220,111 $3,323 6.69%
    60-80% 114 $30,880,000 $270,877 $2,985 6.87%
    80-100% 136 $38,380,000 $282,206 $4,253 6.75%
    Over 100% 5 $1,765,000 $353,000 $6,117 7.75%
    Under 20% 29 $1,515,000 $52,241 $518 7.52%