Together Credit Union Mortgage Rates, Fees & Info

Saint Louis, MO

LEI: 549300YDBNK66R6ZES34

Tax ID: 43-0160998

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

Jump to:

Mortgage Data

Review & Overview

Together Credit Union is a smaller credit union specializing in Refi, Home Purchase, and Cash Out Refi loans. Together Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, Los Angeles, Columbus, Jacksonville, and Atlanta among others. We have data for 134 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 3.87% 12/16/24
30 Year Conventional Purchase 6.51% 12/16/24
30 Year Conventional Refi 6.50% 12/16/24
30 Year Cash-out Refi 6.62% 12/16/24
30 Year FHA Purchase 6.27% 12/16/24
30 Year VA Purchase 6.27% 12/16/24
15 Year Conventional Purchase 5.98% 12/16/24
15 Year Conventional Refi 5.94% 12/16/24
15 Year Cash-out Refi 5.94% 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.

Together Credit Union Mortgage Calculator






Your Estimates

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

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

2,716

Origination Dollar Volume (All Markets)

$538,850,000
Show all (10) awards

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) 2,027 $388,895,000 $191,857 $2,057 3.07%
Outside of Metro Areas 77 $14,755,000 $191,623 $2,585 3.02%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 33 $10,105,000 $306,212 $2,857 2.91%
COLUMBUS, OH (FHA|USDA|VA) 42 $7,690,000 $183,095 $2,563 3.27%
JACKSONVILLE, FL (FHA|USDA|VA) 31 $6,665,000 $215,000 $3,037 3.07%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 35 $6,445,000 $184,143 $2,725 3.21%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 37 $6,255,000 $169,054 $2,712 3.51%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 25 $6,015,000 $240,600 $2,952 3.71%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $5,985,000 $399,000 $3,986 2.84%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 38 $5,780,000 $152,105 $2,593 3.29%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 27 $4,595,000 $170,185 $2,755 3.08%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 19 $4,115,000 $216,579 $2,195 3.19%
FORT COLLINS, CO (FHA|USDA|VA) 20 $3,980,000 $199,000 $2,471 2.86%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 20 $3,880,000 $194,000 $2,461 2.89%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $2,625,000 $291,667 $2,619 2.79%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 3 $2,625,000 $875,000 $3,834 3.29%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $2,510,000 $418,333 $4,287 3.02%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $2,325,000 $332,143 $2,405 2.88%
SYRACUSE, NY (FHA|USDA|VA) 14 $1,990,000 $142,143 $2,519 2.81%
VALLEJO, CA (FHA|USDA|VA) 6 $1,930,000 $321,667 $2,527 2.88%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,865,000 $621,667 $4,334 2.80%
GREELEY, CO (FHA|USDA|VA) 9 $1,805,000 $200,556 $2,826 3.07%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $1,520,000 $380,000 $2,723 3.55%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 4 $1,500,000 $375,000 $3,107 3.28%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,485,000 $495,000 $3,747 2.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $1,440,000 $180,000 $2,685 2.89%
COLUMBIA, MO (FHA|USDA|VA) 3 $1,435,000 $478,333 $2,548 2.85%
RICHMOND, VA (FHA|USDA|VA) 7 $1,415,000 $202,143 $2,706 3.23%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $1,305,000 $186,429 $3,186 3.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $1,200,000 $600,000 $2,024 3.00%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $1,035,000 $147,857 $3,257 2.91%
Steamboat Springs, CO (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,151 2.88%
NAPA, CA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $3,013 3.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $995,000 $199,000 $3,323 3.00%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 4 $940,000 $235,000 $2,714 2.97%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $930,000 $465,000 $4,830 3.31%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $915,000 $183,000 $2,857 2.95%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $910,000 $455,000 $3,485 2.63%
Farmington, MO (FHA|USDA|VA) 8 $830,000 $103,750 $2,142 3.42%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $820,000 $410,000 $3,256 3.44%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $815,000 $271,667 $3,307 3.29%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $710,000 $177,500 $2,694 3.16%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $635,000 $635,000 $3,667 3.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 3 $615,000 $205,000 $2,256 3.04%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $605,000 $201,667 $3,392 2.91%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $575,000 $191,667 $2,330 2.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $565,000 $188,333 $4,004 2.79%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $565,000 $188,333 $2,472 3.13%
SALINAS, CA (FHA|USDA|VA) 1 $555,000 $555,000 $2,848 2.88%
WORCESTER, MA-CT (FHA|USDA|VA) 2 $550,000 $275,000 $3,415 2.62%
SANTA FE, NM (FHA|USDA|VA) 3 $545,000 $181,667 $2,481 2.91%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $540,000 $270,000 $2,431 2.62%
LOUISVILLE, KY (FHA|USDA|VA) 2 $490,000 $245,000 $2,763 3.44%
TULSA, OK (FHA|USDA|VA) 3 $465,000 $155,000 $2,811 2.83%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $460,000 $230,000 $3,971 3.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $455,000 $455,000 $3,286 3.63%
MANKATO, MN (FHA|USDA|VA) 1 $455,000 $455,000 $2,231 2.75%
Concord, NH (FHA|USDA|VA) 4 $440,000 $110,000 $2,498 3.00%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $425,000 $141,667 $2,775 3.17%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $425,000 $425,000 $3,000 2.75%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $420,000 $210,000 $2,178 2.62%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $415,000 $415,000 $4,539 2.88%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $415,000 $138,333 $3,220 3.75%
Rolla, MO (FHA|USDA|VA) 2 $400,000 $200,000 $2,312 3.31%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $395,000 $395,000 $2,464 2.75%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $390,000 $195,000 $2,603 3.25%
Summerville, GA (FHA|USDA|VA) 1 $355,000 $355,000 $3,030 2.38%
BOULDER, CO (FHA|USDA|VA) 1 $355,000 $355,000 $2,961 2.88%
STOCKTON, CA (FHA|USDA|VA) 1 $345,000 $345,000 $2,703 2.88%
ROME, GA (FHA|USDA|VA) 3 $345,000 $115,000 $2,663 3.38%
CHICO, CA (FHA|USDA|VA) 1 $335,000 $335,000 $3,102 3.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $335,000 $335,000 $2,351 3.25%
Ruidoso, NM (FHA|USDA|VA) 1 $335,000 $335,000 $4,156 2.75%
Moses Lake, WA (FHA|USDA|VA) 1 $315,000 $315,000 $2,700 3.50%
PORT ST. LUCIE, FL (FHA|USDA|VA) 3 $295,000 $98,333 $3,098 2.62%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $275,000 $275,000 $2,620 2.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $270,000 $135,000 $2,613 2.94%
ASHEVILLE, NC (FHA|USDA|VA) 2 $260,000 $130,000 $2,117 2.50%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $250,000 $125,000 $3,350 3.50%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $245,000 $245,000 $2,708 3.00%
Laconia, NH (FHA|USDA|VA) 1 $235,000 $235,000 $2,549 3.25%
KINGSTON, NY (FHA|USDA|VA) 1 $235,000 $235,000 $4,973 2.88%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,823 2.75%
MADISON, WI (FHA|USDA|VA) 1 $235,000 $235,000 $2,436 3.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,436 3.13%
Mount Vernon, OH (FHA|USDA|VA) 2 $220,000 $110,000 $2,747 3.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,695 3.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $210,000 $105,000 $2,109 3.00%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $205,000 $205,000 $2,876 3.38%
TYLER, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,529 2.75%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $195,000 $195,000 $2,960 3.25%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $185,000 $185,000 $2,201 2.88%
Manitowoc, WI (FHA|USDA|VA) 1 $185,000 $185,000 $1,986 3.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $180,000 $90,000 $2,560 3.75%
WILMINGTON, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,097 2.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $175,000 $175,000 $2,247 3.13%
PITTSBURGH, PA (FHA|USDA|VA) 1 $175,000 $175,000 $2,780 3.00%
DOVER, DE (FHA|USDA|VA) 1 $175,000 $175,000 $2,461 2.75%
LONGVIEW, TX (FHA|USDA|VA) 1 $165,000 $165,000 $2,067 2.63%
Branson, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,491 2.38%
PANAMA CITY, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,072 4.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,083 3.25%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,719 4.00%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $165,000 $165,000 $2,298 2.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $165,000 $165,000 $2,811 2.38%
Paris, TX (FHA|USDA|VA) 1 $155,000 $155,000 $3,146 3.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,320 3.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,068 2.38%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,291 3.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $155,000 $155,000 $2,401 3.25%
Sidney, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,700 2.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $150,000 $75,000 $1,525 4.69%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $145,000 $145,000 $1,675 2.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,920 3.75%
Brainerd, MN (FHA|USDA|VA) 1 $135,000 $135,000 $1,876 2.38%
SPRINGFIELD, OH (FHA|USDA|VA) 1 $125,000 $125,000 $1,100 4.11%
TOLEDO, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,971 3.50%
Arcadia, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,520 2.75%
Fremont, NE (FHA|USDA|VA) 1 $105,000 $105,000 $2,326 3.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $1,775 2.75%
DALTON, GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,982 2.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.25%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.49%
Cambridge, OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,346 4.25%
JACKSON, MS (FHA|USDA|VA) 1 $75,000 $75,000 $2,581 2.50%
DECATUR, IL (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $65,000 $65,000 $2,702 2.63%
Kennett, MO (FHA|USDA|VA) 1 $45,000 $45,000 $1,936 2.38%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $45,000 $45,000 $0 5.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $25,000 $25,000 $0 2.49%
Warrensburg, MO (FHA|USDA|VA) 1 $25,000 $25,000 $0 2.49%
Coshocton, OH (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.25%
WICHITA, KS (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.25%
Together Credit Union's top markets include St. Louis, Los Angeles, Columbus, Jacksonville, and Atlanta among others.

Their top states include:
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • 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.

    MERRIMACK VALLEY
    Similarity Rank: 117
    Commodore Bank
    Similarity Rank: 153
    HNB National Bank
    Similarity Rank: 165
    NEW HAMPSHIRE
    Similarity Rank: 189
    Triangle Credit Union
    Similarity Rank: 224
    United Bank of Union
    Similarity Rank: 245
    Northern Bank & Trust Company
    Similarity Rank: 330
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    Prairie State Bank and Trust
    Similarity Rank: 360

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,255 $509,395,000 $225,896 $2,239 3.14%
    HELOC 461 $29,455,000 $63,894 n/a 2.79%

    For 2020, Together Credit Union's most frequently originated type of loan was Conventional, with 2,255 originations. Their 2nd most popular type was HELOC, with 461 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 1,044 $228,560,000 $218,927 $2,046 2.89%
    Home Purchase 609 $153,325,000 $251,765 $2,737 3.33%
    Cash Out Refi 532 $121,780,000 $228,910 $2,328 3.12%
    Home Improvement 420 $25,780,000 $61,381 $516 3.07%
    Other 111 $9,405,000 $84,730 $1,015 3.41%

    For 2020, Together Credit Union's most frequently cited loan purpose was Refi, with 1,044 originations. The 2nd most popular reason was Home Purchase, with 609 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,303 $331,105,000 $254,110 $2,431 3.23%
    15 Year 717 $135,685,000 $189,240 $2,057 2.83%
    Other 504 $40,910,000 $81,171 $2,196 2.87%
    10 Year 77 $10,355,000 $134,481 $1,181 3.69%
    20 Year 72 $14,550,000 $202,083 $2,048 3.08%
    5 Year 43 $6,245,000 $145,233 $0 4.31%

    For 2020, Together Credit Union's most frequently cited loan duration was 30 Year, with 1,303 originations. The 2nd most popular length was 15 Year, with 717 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,133 $479,135,000 $224,630
    $1k-2k 43 $9,115,000 $211,977
    $2k-3k 5 $1,345,000 $269,000
    $3k-4k 5 $1,255,000 $251,000
    $4k-5k 3 $585,000 $195,000
    $5k+ 2 $520,000 $260,000

    Together Credit Union's average total fees were $2,431, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,133 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 969 $202,365,000 $208,839
    2.5-3% 945 $231,475,000 $244,947
    <2.5% 629 $84,515,000 $134,364
    4-5% 116 $17,370,000 $149,741
    5-6% 36 $2,160,000 $60,000
    6-7% 20 $950,000 $47,500
    7-8% 1 $15,000 $15,000

    During 2020, Together Credit Union's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 969 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 947 $140,275,000 $148,126 $2,131 3.03%
    $200k-400k 786 $210,440,000 $267,735 $2,419 3.10%
    $100,000 or less 770 $46,380,000 $60,234 $1,609 3.16%
    $400k-600k 123 $59,455,000 $483,374 $2,910 3.02%
    $600k-1MM 66 $48,890,000 $740,758 $3,232 2.95%
    $1MM+ 24 $33,410,000 $1,392,083 $3,800 3.00%

    2020 saw Together Credit Union place emphasis on $100k-200k loans with 947 originations, totaling $140,275,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 693 $131,935,000 $190,382 $2,280 3.06%
    $50k-75k 541 $76,905,000 $142,153 $2,111 3.10%
    $75k-100k 508 $80,340,000 $158,150 $2,123 3.09%
    $150k-250k 423 $107,785,000 $254,811 $2,364 3.01%
    $50k or less 299 $31,925,000 $106,773 $2,067 3.11%
    $250k+ 184 $91,920,000 $499,565 $2,802 2.87%

    Together Credit Union lent most frequently to those with incomes in the $100k-150k range, with 693 originations. The second most popular income band? $50k-75k, with 541 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 803 $160,395,000 $199,745 $2,218 2.98%
    30-36% 489 $100,335,000 $205,184 $2,262 3.14%
    <20% 406 $73,490,000 $181,010 $2,062 2.86%
    36% 97 $18,525,000 $190,979 $2,117 3.13%
    42% 92 $17,320,000 $188,261 $2,296 3.40%
    44% 81 $17,105,000 $211,173 $2,538 3.16%
    39% 80 $12,810,000 $160,125 $2,287 3.14%
    41% 78 $12,960,000 $166,154 $2,133 3.26%
    40% 78 $14,230,000 $182,436 $2,208 3.14%
    37% 77 $15,175,000 $197,078 $2,302 3.29%
    38% 74 $15,320,000 $207,027 $2,277 3.27%
    43% 69 $12,375,000 $179,348 $2,389 3.06%
    45% 57 $11,985,000 $210,263 $2,459 2.97%
    46% 55 $13,565,000 $246,636 $2,541 3.02%
    47% 42 $8,820,000 $210,000 $2,474 3.18%
    49% 32 $6,980,000 $218,125 $2,195 2.98%
    48% 28 $6,410,000 $228,929 $2,458 3.05%
    50-60% 2 $320,000 $160,000 $2,342 3.31%
    >60% 1 $1,545,000 $1,545,000 $3,353 2.50%

    Together Credit Union lent most frequently to those with DTI ratios of 20-30%, with 803 originations. The next most common DTI ratio? 30-36%, with 489 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,234 $438,730,000 $196,388 $2,226 3.04%
    Not provided 215 $44,975,000 $209,186 $2,340 3.11%
    Black 134 $21,490,000 $160,373 $2,279 3.29%
    Not applicable 67 $17,885,000 $266,940 $0 4.10%
    Asian 51 $13,715,000 $268,922 $2,272 2.99%
    American Indian 13 $1,485,000 $114,231 $2,063 3.18%
    Filipino 1 $405,000 $405,000 $1,428 2.63%
    Native Hawaiian or Islander 1 $165,000 $165,000 $2,300 3.88%

    Approval Rates

    Total approvals of all applications
    85.62%

    Together Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    69.48%

    Together Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,716 $538,850,000 $198,398

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $7,110,000 $711,000
    Single Family (1-4 Units):Manufactured 5 $625,000 $125,000
    Single Family (1-4 Units):Site-Built 2,701 $531,115,000 $196,636

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 309 $33,845,000 $109,531 $1,881 2.93%
    40-60% 399 $74,765,000 $187,381 $2,144 2.90%
    60-80% 1,054 $258,700,000 $245,446 $2,280 3.06%
    80-100% 608 $153,360,000 $252,237 $2,523 3.28%
    Under 20% 326 $14,560,000 $44,663 $319 3.17%