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. Their top markets by origination volume include: St. Louis, New York, Columbus, Tampa, and Bridgeport among others. We have data for 98 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.
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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
Your Estimates
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This is not an official calculator from Together 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
1,692Origination Dollar Volume (All Markets)
$321,980,000Awards
TOGETHER CREDIT UNION - 2019
TOGETHER CREDIT UNION is a 2019 , due to their low .
For 2019, 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) | 1,282 | $230,940,000 | $180,140 | $2,199 | 3.55% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 11 | $5,785,000 | $525,909 | $5,197 | 3.30% |
| COLUMBUS, OH (FHA|USDA|VA) | 41 | $5,325,000 | $129,878 | $2,281 | 3.72% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 30 | $5,320,000 | $177,333 | $2,610 | 3.73% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $5,045,000 | $1,009,000 | $5,642 | 2.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 15 | $4,815,000 | $321,000 | $3,287 | 3.37% |
| Outside of Metro Areas | 34 | $4,740,000 | $139,412 | $2,401 | 3.70% |
| Farmington, MO (FHA|USDA|VA) | 6 | $4,640,000 | $773,333 | $2,643 | 3.66% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 19 | $4,065,000 | $213,947 | $2,817 | 4.33% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $3,880,000 | $194,000 | $3,174 | 3.59% |
| FORT COLLINS, CO (FHA|USDA|VA) | 10 | $3,550,000 | $355,000 | $2,725 | 3.66% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $2,370,000 | $148,125 | $2,490 | 3.88% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 18 | $2,200,000 | $122,222 | $1,970 | 4.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $1,995,000 | $285,000 | $2,790 | 3.55% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 13 | $1,995,000 | $153,462 | $2,147 | 3.36% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 12 | $1,940,000 | $161,667 | $2,085 | 4.40% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 12 | $1,820,000 | $151,667 | $2,188 | 3.63% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $2,900 | 3.72% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $3,970 | 4.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $1,440,000 | $720,000 | $4,574 | 3.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $2,911 | 3.34% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $3,781 | 3.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $2,760 | 2.90% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,010 | 3.54% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $4,501 | 2.93% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $2,774 | 3.78% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $2,293 | 3.87% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $3,212 | 3.06% |
| SYRACUSE, NY (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $3,335 | 4.01% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,714 | 2.79% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $3,739 | 4.67% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $2,997 | 3.53% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $3,074 | 2.16% |
| Granbury, TX (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $5,286 | 3.13% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,841 | 4.06% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,145 | 2.56% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $4,235 | 3.59% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $2,639 | 3.46% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,179 | 3.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,058 | 3.88% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,161 | 5.25% |
| Findlay, OH (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $1,682 | 3.95% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $12,871 | 3.37% |
| AKRON, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,186 | 2.94% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,219 | 3.71% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,688 | 2.81% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,168 | 2.90% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,821 | 3.03% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,791 | 4.13% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,389 | 4.31% |
| Branson, MO (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,194 | 3.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,948 | 4.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,451 | 4.01% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $6,078 | 4.19% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,522 | 2.64% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,648 | 2.98% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,940 | 2.32% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,436 | 4.31% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,610 | 3.19% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,664 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,914 | 3.13% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,424 | 3.88% |
| TULSA, OK (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,364 | 3.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,472 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $400 | 3.70% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,038 | 4.25% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,538 | 3.06% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,840 | 3.94% |
| REDDING, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,578 | 3.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,662 | 4.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,314 | 4.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $535 | 4.55% |
| DOVER, DE (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,540 | 3.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,526 | 2.75% |
| Auburn, NY (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $852 | 4.81% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,006 | 3.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,320 | 3.63% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,996 | 4.13% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,809 | 3.88% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,966 | 5.00% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,667 | 4.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,374 | 3.63% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,709 | 3.00% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,923 | 3.63% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,572 | 3.28% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,943 | 3.88% |
| ROME, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,683 | 3.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,622 | 4.11% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 2.49% |
| Oxford, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,681 | 3.75% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,066 | 4.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,990 | 3.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,894 | 5.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 1.99% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,759 | 3.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.38% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,993 | 3.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 2.49% |
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.
Similarity Rank: 75
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,324 | $299,690,000 | $226,352 | $2,352 | 3.89% |
| HELOC | 368 | $22,290,000 | $60,571 | n/a | 2.51% |
For 2019, Together Credit Union's most frequently originated type of loan was Conventional, with 1,324 originations. Their 2nd most popular type was HELOC, with 368 originations.
Loan Reason
For 2019, Together Credit Union's most frequently cited loan purpose was Home Purchase, with 722 originations. The 2nd most popular reason was Other, with 284 originations.
Loan Duration/Length
For 2019, Together Credit Union's most frequently cited loan duration was 30 Year, with 951 originations. The 2nd most popular length was Other, with 381 originations.
Origination Fees/Closing Costs
Together Credit Union's average total fees were $2,564, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,175 originations.
Interest Rates
During 2019, Together Credit Union's average interest rate for loans was 3.78%, while their most frequently originated rate bucket for loans was 3-4%, with 736 originations.
Loan Sizing
2019 saw Together Credit Union place emphasis on $100,000 or less loans with 593 originations, totaling $32,875,000 in origination value.
Applicant Income
Together Credit Union lent most frequently to those with incomes in the $50k-75k range, with 388 originations. The second most popular income band? $100k-150k, with 377 originations.
Applicant Debt to Income Ratio
Together Credit Union lent most frequently to those with DTI ratios of 20-30%, with 439 originations. The next most common DTI ratio? 30-36%, with 342 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.55%
Together Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination73.64%
Together Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,692 | $321,980,000 | $190,296 |