# TOGETHER CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/together-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TOGETHER CREDIT UNION is a credit union, headquartered in Saint Louis, MO, serving borrowers across 29 states, with 480 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300YDBNK66R6ZES34
- **Headquarters:** Saint Louis, MO
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AR, AZ, CA, CO, CT, FL, GA, IL, IN, KS, KY, LA, MA, MO, NC, NE, NJ, NV, NY, OH, OR, SC, TN, TX, UT, VA, WI, WY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.022%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $873
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 480
- **Dollar Volume:** $154 million
- **Applications Received:** 757
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $321,167
- **Average Borrower Income:** $161,596
- **Average Property Value:** $436,646

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 458 | +0.023% | $874 | Sound ☺️ |
| Jumbo | 69/100 | 21 | -0.029% | $886 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 381 loans, Score: 58/100 (Sound)
- Refinance: 77 loans, Score: 57/100 (Sound)

**Jumbo:**
- Purchase: 21 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 403 | $136M | +0.033% | Sound ☺️ |
| Refinance | 55/100 | 77 | $18M | -0.034% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 362 | 0.48% | 78/100 |
| IL | 28 | 0.02% | 49/100 |
| FL | 20 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 363 | 87/100 |
| Non |  | 28 | 34/100 |

## Where This Lender Ranks

TOGETHER CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in St. Louis, MO for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in St. Louis, MO Credit Unions
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Missouri for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in St. Louis, MO for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Missouri Credit Unions
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in Missouri for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in St. Louis, MO for Jumbo Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/jumbo-loans)
- 🏆 **#13** in Missouri for Jumbo Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does TOGETHER CREDIT UNION offer?

TOGETHER CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TOGETHER CREDIT UNION offer mortgages?

TOGETHER CREDIT UNION offers mortgages in 29 states: AL, AR, AZ, CA, CO, CT, FL, GA, IL, IN, KS, KY, LA, MA, MO, NC, NE, NJ, NV, NY, OH, OR, SC, TN, TX, UT, VA, WI, WY.

### How competitive are TOGETHER CREDIT UNION's mortgage rates?

TOGETHER CREDIT UNION has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.022% above market average.

### What type of lender is TOGETHER CREDIT UNION?

TOGETHER CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Saint Louis, MO.

### What is TOGETHER CREDIT UNION's loan approval success rate?

TOGETHER CREDIT UNION has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/together-credit-union

### How to Cite

> "TOGETHER CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/together-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/together-credit-union)**