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TOGETHER CREDIT UNION
Credit Union|Saint Louis, MO|Near-National
Loans Originated
480
Applications
757
Volume
$154 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.022%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$873
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Nationwide availability with consistent service
Report Card
TOGETHER CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Near-National · 2 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$321,167
Average Borrower Income
$161,596
Average Property Value
$436,646
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Strong | Sound | 458 | 95.4% | +0.023% | $874 |
Jumbo Loans | Strong | Strong | N/A | Strong | 21 | 4.4% | -0.029% | $886 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 403 | 84.0% | +0.033% | $876 |
Refinance | Sound | Sound | Strong | Acceptable | 77 | 16.0% | -0.034% | $855 |
Geographic Coverage
Metro Areas
1
States Served
29
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
St. Louis, MO, MO-ILMSA
Volume: 363Mix: 75.62%
Place Specialization
Exceptional
Top States by Place Specialization Score
1
MOState
Volume: 362Mix: 75.42%
Place Specialization
Strong
2
ILState
Volume: 28Mix: 5.83%
Place Specialization
Sound
3
FLState
Volume: 20Mix: 4.17%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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