Together Credit Union Mortgage Rates, Fees & Info
Saint Louis, MOLEI: 549300YDBNK66R6ZES34
Tax ID: 43-0160998
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Mortgage Data
Review & Overview
Together Credit Union is a smaller credit union specializing in Home Purchase loans. Together 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.) Their top markets by origination volume include: St. Louis, Los Angeles, Tampa, Dallas, and Atlanta among others. We have data for 90 markets. (Some data included below & more in-depth data is available with an active subscription.)Together Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Together 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 3.87% | 4/21/24 |
| 30 Year Conventional Purchase | 6.51% | 4/21/24 |
| 30 Year Conventional Refi | 6.50% | 4/21/24 |
| 30 Year Cash-out Refi | 6.62% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.27% | 4/21/24 |
| 15 Year Conventional Purchase | 5.98% | 4/21/24 |
| 15 Year Conventional Refi | 5.94% | 4/21/24 |
| 15 Year Cash-out Refi | 5.94% | 4/21/24 |
| 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. | ||
Together 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
1,614Origination Dollar Volume (All Markets)
$221,850,000Awards
TOGETHER CREDIT UNION - 2018
TOGETHER CREDIT UNION is a 2018 , due to their low .
For 2018, 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 |
|---|---|---|---|---|---|
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1,207 | $161,305,000 | $133,641 | $2,414 | 3.49% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 25 | $5,005,000 | $200,200 | $3,979 | 3.34% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 36 | $3,870,000 | $107,500 | $3,000 | 3.62% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $3,715,000 | $218,529 | $4,022 | 5.03% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 23 | $3,675,000 | $159,783 | $3,105 | 3.72% |
| COLUMBUS, OH (FHA|USDA|VA) | 39 | $3,205,000 | $82,179 | $2,632 | 3.19% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $2,835,000 | $945,000 | $7,273 | 4.19% |
| Outside of Metro Areas | 24 | $2,540,000 | $105,833 | $2,179 | 3.64% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 16 | $2,100,000 | $131,250 | $3,539 | 4.03% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 14 | $2,060,000 | $147,143 | $3,413 | 5.05% |
| FORT COLLINS, CO (FHA|USDA|VA) | 14 | $1,850,000 | $132,143 | $1,223 | 3.80% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 13 | $1,375,000 | $105,769 | $2,747 | 2.93% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $5,590 | 2.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 8 | $1,250,000 | $156,250 | $2,734 | 4.67% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $3,960 | 4.49% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 10 | $1,140,000 | $114,000 | $2,673 | 3.04% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 9 | $1,045,000 | $116,111 | $2,498 | 2.90% |
| SYRACUSE, NY (FHA|USDA|VA) | 10 | $960,000 | $96,000 | $3,013 | 3.32% |
| GREELEY, CO (FHA|USDA|VA) | 7 | $925,000 | $132,143 | $3,046 | 3.28% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $3,737 | 2.68% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 7 | $845,000 | $120,714 | $2,620 | 3.89% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $3,232 | 4.45% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,086 | 3.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $695,000 | $99,286 | $2,946 | 3.69% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,904 | 3.39% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 7 | $655,000 | $93,571 | $2,608 | 3.71% |
| Farmington, MO (FHA|USDA|VA) | 7 | $585,000 | $83,571 | $2,155 | 3.94% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,463 | 3.66% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,084 | 4.31% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,323 | 3.79% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 3.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $4,423 | 4.16% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $3,064 | 4.50% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $0 | 3.87% |
| TULSA, OK (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,794 | 4.31% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,581 | 4.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,826 | 3.72% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,476 | 2.63% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,563 | 5.33% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,829 | 4.44% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $365,000 | $73,000 | $0 | 1.99% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,160 | 3.50% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,834 | 4.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,278 | 4.63% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,684 | 4.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,069 | 4.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 1.99% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,450 | 4.08% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,563 | 3.88% |
| Palatka, FL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,474 | 4.31% |
| Concord, NH (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $0 | 2.45% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,996 | 5.25% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,100 | 3.31% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,636 | 5.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,009 | 4.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,624 | 4.20% |
| Mount Vernon, OH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,659 | 4.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,246 | 4.88% |
| Paris, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,260 | 4.13% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,623 | 5.56% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 1.99% |
| Laconia, NH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,126 | 4.88% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,611 | 4.88% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,430 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,471 | 3.50% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,021 | 4.63% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,795 | 4.00% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,427 | 5.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,620 | 3.83% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,496 | 4.63% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,051 | 4.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 1.99% |
| ROME, GA (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 6.38% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,404 | 5.18% |
| Branson, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,156 | 4.75% |
| Berlin, NH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,832 | 5.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,691 | 4.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 1.99% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 1.99% |
| RENO, NV (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.00% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 1.99% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,625 | 5.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,562 | 5.25% |
| Mount Vernon, IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 1.99% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $5,000 | $5,000 | $0 | 1.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against TOGETHER 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 917 | $175,405,000 | $191,281 | $2,599 | 4.64% |
| HELOC | 696 | $46,310,000 | $66,537 | n/a | 2.10% |
| FHA | 1 | $135,000 | $135,000 | $0 | 5.13% |
For 2018, Together Credit Union's most frequently originated type of loan was Conventional, with 917 originations. Their 2nd most popular type was HELOC, with 696 originations.
Loan Reason
For 2018, Together Credit Union's most frequently cited loan purpose was Home Purchase, with 635 originations. The 2nd most popular reason was Other, with 430 originations.
Loan Duration/Length
For 2018, Together Credit Union's most frequently cited loan duration was Other, with 685 originations. The 2nd most popular length was 30 Year, with 650 originations.
Origination Fees/Closing Costs
Together Credit Union's average total fees were $2,644, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 743 originations.
Interest Rates
During 2018, Together Credit Union's average interest rate for loans was 4.53%, while their most frequently originated rate bucket for loans was <2.5%, with 672 originations.
Loan Sizing
2018 saw Together Credit Union place emphasis on $100,000 or less loans with 847 originations, totaling $45,505,000 in origination value.
Applicant Income
Together Credit Union lent most frequently to those with incomes in the $50k-75k range, with 385 originations. The second most popular income band? $100k-150k, with 383 originations.
Applicant Debt to Income Ratio
Together Credit Union lent most frequently to those with DTI ratios of 20-30%, with 399 originations. The next most common DTI ratio? 30-36%, with 296 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.10%
Together Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination80.30%
Together Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,614 | $221,850,000 | $137,454 |