Together Credit Union in Missouri vs the state
15.2%Denial rate+0.11 pts vs state
17.9%Decision denial rate-0.85 pts vs state
68.3%Origination rate+5.60 pts vs state
7.25%Median rate+0.63 pts vs state
0.28Rate spread (pts)-0.07 pts vs state
$116kMedian applicant income
1,183Loans originated
263Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,612 | 988 | 20.3% | 6.63% | #26 |
| 2024 | 1,610 | 1,032 | 14.6% | 7.75% | #29 |
| 2025 | 1,733 | 1,183 | 15.2% | 7.25% | #32 |
What Together Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Together Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 806 | 549 | 122 | 15.1% |
| Jefferson County | 311 | 212 | 43 | 13.8% |
| St. Louis city | 262 | 170 | 48 | 18.3% |
| St. Charles County | 246 | 177 | 35 | 14.2% |
| Franklin County | 19 | 12 | 5 | 26.3% |
| Warren County | 15 | 14 | 0 | 0.0% |
| Camden County | 12 | 8 | 1 | 8.3% |
| St. Francois County | 10 | 7 | 0 | 0.0% |
| Lincoln County | 10 | 6 | 3 | 30.0% |
| Clay County | 4 | 2 | 1 | 25.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,733 applications in 2025, of which 1,183 were originated and 263 denied.
15.2% of all applications, or 17.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Together Credit Union originated in Missouri in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Together Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology