Together Credit Union mortgage approval rate & lending review
Together Credit Union decided 2,609 mortgage applications and funded 2,073 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Together Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Together Credit Union at a glance
Approval is 4.6 points above the 75.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 808 / 911 | 99% | $265K | 800 |
| Home improvement loans | 75% | 597 / 791 | 99% | $55K | 589 |
| Cash-out refinance | 70% | 105 / 150 | 96% | $175K | 101 |
| Refinance | 78% | 440 / 564 | 100% | $95K | 438 |
| Investment property purchase | 86% | 67 / 78 | 100% | $125K | 67 |
| Investment cash-out refinance | 92% | 56 / 61 | 100% | $205K | 56 |
| Investment refinance | 69% | 18 / 26 | 100% | $85K | 18 |
| Investment home improvement | 14% | 4 / 28 | 100% | $75K | 4 |
Together Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 83% | $95K | 1,849 | 1,509 |
| Illinois | 77% | $175K | 198 | 150 |
| Florida | 74% | $195K | 125 | 92 |
| Texas | 59% | $155K | 71 | 41 |
| Ohio | 75% | $95K | 67 | 50 |
| California | 63% | $105K | 52 | 33 |
| Georgia | 67% | $135K | 48 | 32 |
| Colorado | 76% | $95K | 29 | 22 |
| New York | 85% | $175K | 26 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Together Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Louis County, MO | Mortgage lenders | 87% | 182 | 157 |
| St. Louis city, MO | Mortgage lenders | 87% | 182 | 157 |
| Jefferson County, MO | Mortgage lenders | 93% | 143 | 130 |
| St. Charles County, MO | Mortgage lenders | 90% | 144 | 130 |
| Jefferson County, MO | Home improvement loans | 78% | 164 | 126 |
| St. Charles County, MO | Home improvement loans | 86% | 145 | 122 |
| Jefferson County, MO | Refinance | 83% | 132 | 109 |
| St. Charles County, MO | Refinance | 84% | 111 | 93 |
| St. Louis County, MO | Home improvement loans | 75% | 119 | 88 |
| St. Louis city, MO | Home improvement loans | 75% | 119 | 88 |
| St. Louis County, MO | Refinance | 75% | 68 | 51 |
| St. Louis city, MO | Refinance | 75% | 68 | 51 |
The county markets where Together Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Together Credit Union
What is Together Credit Union's mortgage approval rate?
Together Credit Union approved 80.3% of the 2,609 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.6 points above the 75.7% national rate for the same mix of loan types.
How often do borrowers take the loan Together Credit Union offers?
Borrowers accepted 99% of the loans Together Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Together Credit Union make?
The typical home purchase mortgage loan Together Credit Union made was $265K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Together Credit Union lend?
Together Credit Union decided applications in 40 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Florida.
Can I apply to Together Credit Union directly?
Yes. Together Credit Union is a bank or credit union with 26 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Together Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Together Credit Union treats applications, then get a rate quote from the lender.