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 Refi and Home Purchase loans. Assemblies Of God Credit Union has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Springfield, Dallas, Chicago, Branson, and Oklahoma City among others. We have data for 69 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% | 4/28/24 |
| 30 Year Conventional Refi | 6.76% | 4/28/24 |
| 30 Year Cash-out Refi | 6.66% | 4/28/24 |
| 30 Year FHA Purchase | 7.99% | 4/28/24 |
| 30 Year VA Purchase | 6.11% | 4/28/24 |
| 30 Year USDA Purchase | 6.54% | 4/28/24 |
| 15 Year Conventional Purchase | 6.13% | 4/28/24 |
| 15 Year Conventional Refi | 6.50% | 4/28/24 |
| 15 Year Cash-out Refi | 6.50% | 4/28/24 |
| 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
859Origination Dollar Volume (All Markets)
$177,325,000Awards
ASSEMBLIES OF GOD Credit Union - 2021
ASSEMBLIES OF GOD Credit Union is a 2021 , due to their low .
For 2021, 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) | 640 | $128,230,000 | $200,359 | $2,237 | 3.05% |
| Outside of Metro Areas | 48 | $7,450,000 | $155,208 | $2,261 | 3.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 23 | $5,705,000 | $248,043 | $3,308 | 2.90% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $3,240,000 | $324,000 | $3,903 | 3.47% |
| Branson, MO (FHA|USDA|VA) | 11 | $2,375,000 | $215,909 | $2,232 | 2.86% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $4,347 | 2.69% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 11 | $2,065,000 | $187,727 | $2,299 | 3.60% |
| Maryville, MO (FHA|USDA|VA) | 9 | $1,695,000 | $188,333 | $2,329 | 2.96% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $2,089 | 2.91% |
| JOPLIN, MO (FHA|USDA|VA) | 7 | $1,275,000 | $182,143 | $2,239 | 3.09% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 5 | $1,195,000 | $239,000 | $2,854 | 2.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,663 | 3.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $3,592 | 2.87% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,511 | 2.96% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,755 | 2.81% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $1,978 | 2.82% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $2,429 | 2.94% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,332 | 3.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,244 | 2.83% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $7,715 | 3.00% |
| Lebanon, MO (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,305 | 3.04% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $3,402 | 3.00% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,113 | 2.13% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $2,271 | 2.63% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,879 | 2.99% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $1,780 | 2.87% |
| ERIE, PA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,796 | 3.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,804 | 2.63% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $2,562 | 3.19% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,835 | 2.88% |
| Warrensburg, MO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,760 | 3.00% |
| FAIRBANKS, AK (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,179 | 2.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,921 | 2.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,805 | 2.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,327 | 2.63% |
| Montrose, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,651 | 2.99% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,164 | 2.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,713 | 3.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,265 | 2.63% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,987 | 2.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,934 | 2.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,826 | 3.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,474 | 2.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,468 | 2.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,918 | 3.13% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,586 | 2.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,628 | 2.88% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,186 | 3.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,422 | 2.75% |
| Oxford, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,467 | 2.88% |
| Tahlequah, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,198 | 3.00% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,166 | 2.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,753 | 2.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,802 | 2.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,495 | 2.99% |
| Garden City, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,648 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,102 | 3.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,535 | 2.38% |
| Altus, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,449 | 2.88% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,951 | 2.50% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,463 | 2.63% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,951 | 3.00% |
| Sanford, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,500 | 2.25% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,636 | 2.13% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,432 | 2.75% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,460 | 3.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,541 | 2.88% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,189 | 2.63% |
| Jasper, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,289 | 3.25% |
Similar Lenders
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 811 | $166,815,000 | $205,691 | $2,266 | 3.07% |
| VA | 26 | $6,620,000 | $254,615 | $4,228 | 2.45% |
| USDA | 22 | $3,890,000 | $176,818 | $3,928 | 2.88% |
For 2021, Assemblies Of God Credit Union's most frequently originated type of loan was Conventional, with 811 originations. Their 2nd most popular type was VA, with 26 originations.
Loan Reason
For 2021, Assemblies Of God Credit Union's most frequently cited loan purpose was Refi, with 412 originations. The 2nd most popular reason was Home Purchase, with 392 originations.
Loan Duration/Length
For 2021, Assemblies Of God Credit Union's most frequently cited loan duration was 30 Year, with 664 originations. The 2nd most popular length was 15 Year, with 128 originations.
Origination Fees/Closing Costs
Assemblies Of God Credit Union's average total fees were $2,540, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 769 originations.
Interest Rates
During 2021, Assemblies Of God Credit Union's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 428 originations.
Loan Sizing
2021 saw Assemblies Of God Credit Union place emphasis on $100k-200k loans with 400 originations, totaling $60,540,000 in origination value.
Applicant Income
Assemblies Of God Credit Union lent most frequently to those with incomes in the $50k-75k range, with 223 originations. The second most popular income band? $50k or less, with 169 originations.
Applicant Debt to Income Ratio
Assemblies Of God Credit Union lent most frequently to those with DTI ratios of 20-30%, with 224 originations. The next most common DTI ratio? <20%, with 146 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.38%
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 origination87.54%
Assemblies Of God Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 859 | $177,325,000 | $206,432 |