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 Home Purchase and Refi loans. Assemblies Of God Credit Union has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Springfield, Dallas, Joplin, Branson, and Chicago among others. We have data for 65 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 an above 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% | 12/16/24 |
| 30 Year Conventional Refi | 6.76% | 12/16/24 |
| 30 Year Cash-out Refi | 6.66% | 12/16/24 |
| 30 Year FHA Purchase | 7.99% | 12/16/24 |
| 30 Year VA Purchase | 6.11% | 12/16/24 |
| 30 Year USDA Purchase | 6.54% | 12/16/24 |
| 15 Year Conventional Purchase | 6.13% | 12/16/24 |
| 15 Year Conventional Refi | 6.50% | 12/16/24 |
| 15 Year Cash-out Refi | 6.50% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
843Origination Dollar Volume (All Markets)
$164,975,000Awards
ASSEMBLIES OF GOD Credit Union - 2020
ASSEMBLIES OF GOD Credit Union is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 641 | $119,385,000 | $186,248 | $1,994 | 3.28% |
| Outside of Metro Areas | 46 | $6,920,000 | $150,435 | $2,075 | 3.42% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 23 | $6,095,000 | $265,000 | $3,427 | 3.29% |
| JOPLIN, MO (FHA|USDA|VA) | 10 | $2,380,000 | $238,000 | $2,172 | 3.52% |
| Branson, MO (FHA|USDA|VA) | 13 | $2,215,000 | $170,385 | $1,790 | 3.84% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,825,000 | $260,714 | $5,569 | 3.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $2,141 | 3.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,225,000 | $245,000 | $3,591 | 3.22% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $3,330 | 3.19% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $2,140 | 2.94% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,060,000 | $176,667 | $1,880 | 3.25% |
| BELLINGHAM, WA (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $2,401 | 3.19% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $2,376 | 3.71% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,497 | 3.04% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $2,425 | 3.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $2,872 | 3.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $3,039 | 3.17% |
| ERIE, PA (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $2,815 | 2.67% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $1,833 | 3.09% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,340 | 3.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,323 | 3.31% |
| ANCHORAGE, AK (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,529 | 2.94% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,139 | 3.69% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,235 | 2.88% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $5,093 | 2.88% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $2,198 | 3.25% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,545 | 2.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,320 | 3.13% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,050 | 2.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $2,507 | 3.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,458 | 2.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,828 | 4.38% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,434 | 3.13% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,098 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,659 | 3.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,624 | 2.50% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,302 | 2.94% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,555 | 2.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,932 | 2.75% |
| Russellville, AR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $1,821 | 4.81% |
| Newport, OR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,559 | 3.00% |
| Montrose, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,014 | 3.13% |
| OCALA, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,173 | 3.00% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,563 | 3.63% |
| TYLER, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,483 | 2.88% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,801 | 3.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,243 | 2.88% |
| Maryville, MO (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,143 | 2.88% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,844 | 3.25% |
| Laramie, WY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,640 | 2.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,520 | 2.75% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,414 | 2.75% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,561 | 2.75% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,918 | 3.38% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,775 | 2.75% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,428 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,796 | 3.75% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,194 | 2.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,546 | 3.25% |
| Harrison, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,277 | 2.88% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,723 | 3.25% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,662 | 3.38% |
| Rolla, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,925 | 2.88% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,716 | 4.25% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,633 | 2.88% |
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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.
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Product Mix
For 2020, Assemblies Of God Credit Union's most frequently originated type of loan was Conventional, with 798 originations. Their 2nd most popular type was USDA, with 27 originations.
Loan Reason
For 2020, Assemblies Of God Credit Union's most frequently cited loan purpose was Home Purchase, with 402 originations. The 2nd most popular reason was Refi, with 345 originations.
Loan Duration/Length
For 2020, Assemblies Of God Credit Union's most frequently cited loan duration was 30 Year, with 654 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 $2,278, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 791 originations.
Interest Rates
During 2020, Assemblies Of God Credit Union's average interest rate for loans was 3.32%, while their most frequently originated rate bucket for loans was 3-4%, with 397 originations.
Loan Sizing
2020 saw Assemblies Of God Credit Union place emphasis on $100k-200k loans with 406 originations, totaling $60,240,000 in origination value.
Applicant Income
Assemblies Of God Credit Union lent most frequently to those with incomes in the $50k-75k range, with 219 originations. The second most popular income band? $50k or less, with 203 originations.
Applicant Debt to Income Ratio
Assemblies Of God Credit Union lent most frequently to those with DTI ratios of 20-30%, with 238 originations. The next most common DTI ratio? 30-36%, with 156 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.84%
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 origination94.54%
Assemblies Of God Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 843 | $164,975,000 | $195,700 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 1 | $95,000 | $95,000 |
| Single Family (1-4 Units):Site-Built | 842 | $164,880,000 | $195,819 |