Together Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
24th19.4% deniedPricingmedian rate spread over APOR, weight 30%
45th0.28 ptsProcesswithdrawn + incomplete share, weight 15%
53rd16.2%Closing coststotal loan costs ÷ loan amount, weight 10%
42nd2.48% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,239 | 1,302 | 22.7% | 27.9% | 6.63% | $210M |
| 2024 | 2,195 | 1,387 | 15.4% | 19.6% | 7.75% | $254M |
| 2025 | 2,287 | 1,508 | 16.2% | 19.4% | 7.25% | $320M |
What Together Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,018 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 102 investment properties.
Why Together Credit Union denies applications
Primary reason reported for each of the 371 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Together Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 202 | 95 | 40.7% |
| $50k – $100k | 685 | 416 | 23.8% |
| $100k – $150k | 602 | 430 | 15.0% |
| $150k – $250k | 486 | 342 | 13.8% |
| Over $250k | 258 | 173 | 15.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 42 | 25 | 16.7% |
| 25–34 | 370 | 231 | 17.0% |
| 35–44 | 536 | 361 | 18.8% |
| 45–54 | 504 | 335 | 20.6% |
| 55–64 | 430 | 276 | 22.0% |
| 65–74 | 255 | 173 | 18.8% |
| Over 74 | 99 | 56 | 26.8% |
Where Together Credit Union lends
38 states and 220 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 1,733 | 1,183 | 15.2% | 7.25% | #32 |
| Illinois | 145 | 91 | 16.6% | 7.50% | #298 |
| Florida | 87 | 43 | 24.1% | 7.50% | #511 |
| Texas | 61 | 23 | 26.2% | 6.50% | #668 |
| Ohio | 50 | 33 | 22.0% | 7.50% | #410 |
| Georgia | 34 | 18 | 20.6% | 7.44% | #499 |
| California | 33 | 17 | 33.3% | 7.50% | #576 |
| Colorado | 22 | 14 | 18.2% | 8.00% | #408 |
| New York | 16 | 12 | 0.0% | 7.13% | #428 |
| New Jersey | 15 | 11 | 6.7% | 7.50% | #486 |
| Virginia | 15 | 12 | 13.3% | 8.25% | #530 |
| North Carolina | 11 | 7 | 9.1% | 6.13% | #608 |
| New Hampshire | 8 | 6 | 0.0% | 7.75% | #280 |
| Nevada | 6 | 3 | 33.3% | 8.00% | #357 |
| Alabama | 5 | 3 | 20.0% | 6.00% | #572 |
| Tennessee | 5 | 3 | 20.0% | 7.50% | #738 |
Frequently asked questions
Together Credit Union denied 19.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of mid-size mortgage lenders.
The most common reason Together Credit Union gave in 2025 was "credit history", cited on 32.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Together Credit Union originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 31% of its applications were for home purchases, 26% for refinancing (including cash-out), and 43% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.