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 Improvement and Home Purchase loans. Together Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: St. Louis, New York, Tampa, Columbus, and Riverside among others. We have data for 108 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% | 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,831Origination Dollar Volume (All Markets)
$315,505,000Awards
TOGETHER CREDIT UNION - 2022
TOGETHER CREDIT UNION is a 2022 , due to their low .
For 2022, 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) | 1,403 | $239,255,000 | $170,531 | $2,132 | 3.55% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 13 | $7,025,000 | $540,385 | $7,048 | 3.35% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 23 | $4,595,000 | $199,783 | $3,614 | 3.03% |
| Outside of Metro Areas | 30 | $4,510,000 | $150,333 | $2,245 | 3.78% |
| COLUMBUS, OH (FHA|USDA|VA) | 39 | $4,495,000 | $115,256 | $2,067 | 2.80% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $3,120,000 | $520,000 | $4,026 | 3.76% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 24 | $3,030,000 | $126,250 | $2,203 | 3.26% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 20 | $2,580,000 | $129,000 | $1,144 | 6.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 16 | $2,580,000 | $161,250 | $1,931 | 2.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $2,540,000 | $1,270,000 | $9,442 | 5.73% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 15 | $2,155,000 | $143,667 | $2,257 | 3.24% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $1,930,000 | $321,667 | $3,597 | 3.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $5,514 | 3.26% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 14 | $1,760,000 | $125,714 | $676 | 3.52% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 18 | $1,520,000 | $84,444 | $2,146 | 3.55% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $1,265,000 | $84,333 | $5,722 | 2.42% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $2,701 | 3.22% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 9 | $1,235,000 | $137,222 | $1,799 | 6.66% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $4,067 | 3.45% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $7,116 | 3.53% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,723 | 3.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $2,993 | 2.18% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $1,481 | 3.02% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $7,477 | 3.50% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $0 | 3.71% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $2,516 | 3.80% |
| VALLEJO, CA (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $0 | 1.99% |
| SYRACUSE, NY (FHA|USDA|VA) | 9 | $805,000 | $89,444 | $2,647 | 3.34% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $4,756 | 4.19% |
| Heber, UT (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $3,806 | 5.49% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $3,983 | 3.56% |
| Farmington, MO (FHA|USDA|VA) | 7 | $695,000 | $99,286 | $2,772 | 3.18% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $0 | 1.99% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,319 | 3.44% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $3,101 | 4.90% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,563 | 5.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $3,180 | 2.59% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $4,103 | 3.63% |
| GREELEY, CO (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,718 | 3.16% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,317 | 4.00% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $2,381 | 4.91% |
| Auburn, NY (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,014 | 4.87% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,559 | 3.48% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,028 | 3.23% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,377 | 5.33% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,695 | 4.14% |
| Concord, NH (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $3,302 | 5.39% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,941 | 4.19% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,993 | 4.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 2.16% |
| SALEM, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,902 | 3.63% |
| Branson, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,097 | 4.72% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,221 | 4.14% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,683 | 5.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,331 | 4.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 2.74% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,865 | 3.25% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,110 | 3.25% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,315 | 3.00% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,610 | 3.83% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 1.99% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,182 | 4.35% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $0 | 2.49% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,839 | 4.91% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,294 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,990 | 5.06% |
| Athens, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,313 | 2.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,187 | 5.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,159 | 4.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,782 | 3.12% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 4.00% |
| West Plains, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,224 | 2.93% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,984 | 6.27% |
| ROME, GA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,912 | 3.18% |
| Calhoun, GA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 2.24% |
| Huntington, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $572 | 4.39% |
| Centralia, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,501 | 2.38% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $2,621 | 3.81% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 1.99% |
| BEND, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,424 | 4.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.49% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,355 | 5.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 1.99% |
| Hannibal, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.49% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,058 | 3.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $43 | 5.81% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 1.99% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.49% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $138 | 8.00% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 2.49% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 1.99% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 4.93% |
| OCALA, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 2.49% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.50% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $60,000 | $30,000 | $1,052 | 5.99% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.49% |
| Hailey, ID (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.49% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 2.49% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 1.99% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.13% |
| Fremont, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 9.25% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 1.99% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 1.99% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 1.99% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 959 | $84,135,000 | $87,732 | n/a | 2.21% |
| Conventional | 872 | $231,370,000 | $265,333 | $2,261 | 5.02% |
For 2022, Together Credit Union's most frequently originated type of loan was HELOC, with 959 originations. Their 2nd most popular type was Conventional, with 872 originations.
Loan Reason
For 2022, Together Credit Union's most frequently cited loan purpose was Home Improvement, with 808 originations. The 2nd most popular reason was Home Purchase, with 521 originations.
Loan Duration/Length
For 2022, Together Credit Union's most frequently cited loan duration was Other, with 978 originations. The 2nd most popular length was 30 Year, with 586 originations.
Origination Fees/Closing Costs
Together Credit Union's average total fees were $2,817, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 799 originations.
Interest Rates
During 2022, Together Credit Union's average interest rate for loans was 4.70%, while their most frequently originated rate bucket for loans was <2.5%, with 972 originations.
Loan Sizing
2022 saw Together Credit Union place emphasis on $100,000 or less loans with 864 originations, totaling $44,230,000 in origination value.
Applicant Income
Together Credit Union lent most frequently to those with incomes in the $100k-150k range, with 474 originations. The second most popular income band? $50k-75k, with 339 originations.
Applicant Debt to Income Ratio
Together Credit Union lent most frequently to those with DTI ratios of 20-30%, with 447 originations. The next most common DTI ratio? 30-36%, with 338 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications80.88%
Together Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination83.56%
Together Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,831 | $315,505,000 | $172,313 |