We analyzed every closed loan from Together Credit Union — 480 loans across 757 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Nationwide availability with consistent service
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Report Card
Together Credit Union performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 458 | 95.4% | +0.023%Above | $874Fees | ||||
Jumbo Loans | — | 21 | 4.4% | -0.029%Below | $886Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 403 | 84.0% | +0.033%Above | $876Fees | ||||
Refinance | 77 | 16.0% | -0.034%Below | $855Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
States with Loan Originations
29Full-year 2024 · HMDA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 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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