TOGETHER CREDIT UNION
TOGETHER CREDIT UNION received 2,287 applications in 2025 and made 1,508 mortgages, in 220 counties across 38 states. The median rate its borrowers got was 7.250% on a median loan of $125,000. Of 1,917 decisions, 371 were denials — 19.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YDBNK66R6ZES34 |
|---|---|
| Applications received | 2,287 |
| Mortgages made | 1,508 |
| Denied | 371 |
| Approved, not taken up | 38 |
| Withdrawn or incomplete | 370 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.281 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 479 | 6.375% | $285,000 | 11.2% |
| Refinancing | 326 | 7.500% | $125,000 | 17.0% |
| Cash-out refinancing | 93 | 6.375% | $235,000 | 18.3% |
| Other purposes | 610 | 7.625% | $65,000 | 25.8% |
Where TOGETHER CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MO | 549 | 7.250% | 17.8% |
| Jefferson County, MO | 212 | 7.500% | 16.3% |
| St. Charles County, MO | 177 | 7.500% | 16.3% |
| St. Louis city, MO | 170 | 6.790% | 21.8% |
| St. Clair County, IL | 37 | 7.500% | 20.0% |
| Madison County, IL | 34 | 7.063% | 20.9% |
| Franklin County, OH | 17 | 7.500% | 22.7% |
| Warren County, MO | 14 | 6.875% | 0.0% |
| Franklin County, MO | 12 | 7.438% | 29.4% |
| Orange County, FL | 11 | 8.000% | 29.4% |
| Harris County, TX | 11 | 6.375% | 17.7% |
| Bartow County, GA | 10 | 7.438% | 23.1% |
| Monroe County, IL | 10 | 7.500% | 21.4% |
| Los Angeles County, CA | 8 | Under 10 loans | 30.8% |
| Camden County, MO | 8 | Under 10 loans | 11.1% |
| St. Francois County, MO | 7 | Under 10 loans | 0.0% |
| Delaware County, OH | 7 | Under 10 loans | 30.0% |
| Larimer County, CO | 6 | Under 10 loans | 33.3% |
| Hillsborough County, FL | 6 | Under 10 loans | 22.2% |
| Lincoln County, MO | 6 | Under 10 loans | 33.3% |
| Cook County, IL | 5 | Under 10 loans | 0.0% |
| Onondaga County, NY | 5 | Under 10 loans | 0.0% |
| Nassau County, FL | 4 | Under 10 loans | 20.0% |
| Duval County, FL | 3 | Under 10 loans | 40.0% |
| Floyd County, GA | 3 | Under 10 loans | 0.0% |
| Phelps County, MO | 3 | Under 10 loans | 0.0% |
| Ste. Genevieve County, MO | 3 | Under 10 loans | 25.0% |
| Washington County, MO | 3 | Under 10 loans | 0.0% |
| Clark County, NV | 3 | Under 10 loans | 40.0% |
| Hillsborough County, NH | 3 | Under 10 loans | 0.0% |
| Cayuga County, NY | 3 | Under 10 loans | 0.0% |
| Licking County, OH | 3 | Under 10 loans | 0.0% |
| Dallas County, TX | 3 | Under 10 loans | 66.7% |
| James City County, VA | 3 | Under 10 loans | 0.0% |
| Riverside County, CA | 2 | Under 10 loans | 0.0% |
| Adams County, CO | 2 | Under 10 loans | 33.3% |
| Weld County, CO | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 33.3% |
| Pasco County, FL | 2 | Under 10 loans | 33.3% |
| Polk County, FL | 2 | Under 10 loans | 33.3% |
| Cherokee County, GA | 2 | Under 10 loans | 33.3% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| Clay County, MO | 2 | Under 10 loans | 33.3% |
| Stoddard County, MO | 2 | Under 10 loans | 0.0% |
| Stone County, MO | 2 | Under 10 loans | 0.0% |
| Merrimack County, NH | 2 | Under 10 loans | 0.0% |
| Essex County, NJ | 2 | Under 10 loans | 33.3% |
| Morris County, NJ | 2 | Under 10 loans | 0.0% |
| Aiken County, SC | 2 | Under 10 loans | 0.0% |
Get told when this changes
When TOGETHER CREDIT UNION’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.