Together Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Together Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Together Credit Union Michael Dougherty Saint Louis, MO 63118 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,465 |
| Total Mortgage Loan Application Amount | $166,307,000 |
| Average Mortgage Loan Application Amount | $127,980 |
| Highest Mortgage Loan Application Amount | $575,000 |
| Average Applicant Income | $66,666 |
| Highest Applicant Income | $960,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Together Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Together Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Together Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Together Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Together Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Together Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis County Missouri | 523 | $ 62,231,000 | $ 118,000 | $ 73,000 |
| Jefferson County Missouri | 126 | $ 12,855,000 | $ 102,000 | $ 56,000 |
| St. Louis City County Missouri | 109 | $ 10,068,000 | $ 92,000 | $ 54,000 |
| St. Charles County Missouri | 57 | $ 6,958,000 | $ 122,000 | $ 62,000 |
| Hillsborough County Florida | 38 | $ 2,806,000 | $ 73,000 | $ 46,000 |
| Los Angeles County California | 32 | $ 5,667,000 | $ 177,000 | $ 72,000 |
| Madison County Illinois | 28 | $ 2,970,000 | $ 106,000 | $ 91,000 |
| Hillsborough County New Hampshire | 26 | $ 3,306,000 | $ 127,000 | $ 75,000 |
| St. Clair County Illinois | 25 | $ 2,447,000 | $ 97,000 | $ 53,000 |
| James City County Virginia | 25 | $ 3,009,000 | $ 120,000 | $ 54,000 |
| Franklin County Ohio | 24 | $ 2,253,000 | $ 93,000 | $ 103,000 |
| Harris County Texas | 23 | $ 1,966,000 | $ 85,000 | $ 83,000 |
| Onondaga County New York | 21 | $ 1,469,000 | $ 69,000 | $ 55,000 |
| Bartow County Georgia | 17 | $ 1,592,000 | $ 93,000 | $ 62,000 |
| Orange County Florida | 16 | $ 1,637,000 | $ 102,000 | $ 48,000 |
| Monroe County Illinois | 12 | $ 1,440,000 | $ 120,000 | $ 68,000 |
| Pasco County Florida | 11 | $ 927,000 | $ 84,000 | $ 56,000 |
| York County Virginia | 11 | $ 1,017,000 | $ 92,000 | $ 63,000 |
| Dallas County Texas | 10 | $ 765,000 | $ 76,000 | $ 36,000 |
| Solano County California | 9 | $ 1,710,000 | $ 190,000 | $ 73,000 |
| Bexar County Texas | 8 | $ 673,000 | $ 84,000 | $ 47,000 |
| Newport News County Virginia | 8 | $ 995,000 | $ 124,000 | $ 64,000 |
| San Diego County California | 7 | $ 1,095,000 | $ 156,000 | $ 48,000 |
| Riverside County California | 6 | $ 1,096,000 | $ 182,000 | $ 66,000 |
| San Bernardino County California | 6 | $ 812,000 | $ 135,000 | $ 62,000 |
| Duval County Florida | 6 | $ 909,000 | $ 151,000 | $ 86,000 |
| Pinellas County Florida | 6 | $ 485,000 | $ 80,000 | $ 52,000 |
| Lamar County Texas | 6 | $ 293,000 | $ 48,000 | $ 50,000 |
| Larimer County Colorado | 5 | $ 885,000 | $ 177,000 | $ 66,000 |
| Camden County Missouri | 5 | $ 597,000 | $ 119,000 | $ 84,000 |
| St. Francois County Missouri | 5 | $ 532,000 | $ 106,000 | $ 48,000 |
| Warren County Missouri | 5 | $ 779,000 | $ 155,000 | $ 66,000 |
| Union County New Jersey | 5 | $ 768,000 | $ 153,000 | $ 67,000 |
| Delaware County Ohio | 5 | $ 433,000 | $ 86,000 | $ 58,000 |
| Oklahoma County Oklahoma | 5 | $ 689,000 | $ 137,000 | $ 96,000 |
| Maricopa County Arizona | 4 | $ 1,321,000 | $ 330,000 | $ 95,000 |
| Franklin County Missouri | 4 | $ 326,000 | $ 81,000 | $ 80,000 |
| Essex County New Jersey | 4 | $ 480,000 | $ 120,000 | $ 92,000 |
| Middlesex County New Jersey | 4 | $ 734,000 | $ 183,000 | $ 118,000 |
| Fort Bend County Texas | 4 | $ 462,000 | $ 115,000 | $ 67,000 |
| Montgomery County Texas | 4 | $ 582,000 | $ 145,000 | $ 88,000 |
| Gloucester County Virginia | 4 | $ 428,000 | $ 107,000 | $ 55,000 |
| San Joaquin County California | 3 | $ 464,000 | $ 154,000 | $ 53,000 |
| Clay County Florida | 3 | $ 315,000 | $ 105,000 | $ 61,000 |
| Osceola County Florida | 3 | $ 358,000 | $ 119,000 | $ 60,000 |
| Cobb County Georgia | 3 | $ 359,000 | $ 119,000 | $ 106,000 |
| Floyd County Georgia | 3 | $ 204,000 | $ 68,000 | $ 48,000 |
| Paulding County Georgia | 3 | $ 319,000 | $ 106,000 | $ 68,000 |
| Jefferson County Illinois | 3 | $ 167,000 | $ 55,000 | $ 34,000 |
| Cape Girardeau County Missouri | 3 | $ 390,000 | $ 130,000 | $ 62,000 |
| Morgan County Missouri | 3 | $ 383,000 | $ 127,000 | $ 73,000 |
| Ste. Genevieve County Missouri | 3 | $ 179,000 | $ 59,000 | $ 36,000 |
| Stone County Missouri | 3 | $ 330,000 | $ 110,000 | $ 68,000 |
| Merrimack County New Hampshire | 3 | $ 276,000 | $ 92,000 | $ 76,000 |
| Licking County Ohio | 3 | $ 307,000 | $ 102,000 | $ 36,000 |
| Galveston County Texas | 3 | $ 267,000 | $ 89,000 | $ 61,000 |
| Medina County Texas | 3 | $ 275,000 | $ 91,000 | $ 43,000 |
| Ventura County California | 2 | $ 513,000 | $ 256,000 | $ 126,000 |
| Yolo County California | 2 | $ 265,000 | $ 132,000 | $ 62,000 |
| Lake County Florida | 2 | $ 254,000 | $ 127,000 | $ 41,000 |
| Lee County Florida | 2 | $ 288,000 | $ 144,000 | $ 119,000 |
| Polk County Florida | 2 | $ 135,000 | $ 67,000 | $ 36,000 |
| Volusia County Florida | 2 | $ 166,000 | $ 83,000 | $ 35,000 |
| Cherokee County Georgia | 2 | $ 185,000 | $ 92,000 | $ 46,000 |
| Gordon County Georgia | 2 | $ 205,000 | $ 102,000 | $ 51,000 |
| Polk County Georgia | 2 | $ 236,000 | $ 118,000 | $ 54,000 |
| Johnson County Kansas | 2 | $ 534,000 | $ 267,000 | $ 120,000 |
| Anne Arundel County Maryland | 2 | $ 246,000 | $ 123,000 | $ 64,000 |
| Pike County Mississippi | 2 | $ 290,000 | $ 145,000 | $ 67,000 |
| Crawford County Missouri | 2 | $ 135,000 | $ 67,000 | $ 64,000 |
| Miller County Missouri | 2 | $ 240,000 | $ 120,000 | $ 52,000 |
| Rockingham County New Hampshire | 2 | $ 293,000 | $ 146,000 | $ 64,000 |
| Oswego County New York | 2 | $ 165,000 | $ 82,000 | $ 50,000 |
| Denton County Texas | 2 | $ 141,000 | $ 70,000 | $ 50,000 |
| New Kent County Virginia | 2 | $ 264,000 | $ 132,000 | $ 54,000 |
| Cochise County Arizona | 1 | $ 137,000 | $ 137,000 | $ 93,000 |
| Pima County Arizona | 1 | $ 575,000 | $ 575,000 | $ 179,000 |
| Benton County Arkansas | 1 | $ 41,000 | $ 41,000 | $ 43,000 |
| Alameda County California | 1 | $ 97,000 | $ 97,000 | $ 16,000 |
| Fresno County California | 1 | $ 86,000 | $ 86,000 | $ 43,000 |
| Kern County California | 1 | $ 168,000 | $ 168,000 | $ 42,000 |
| Mariposa County California | 1 | $ 171,000 | $ 171,000 | $ 82,000 |
| Santa Clara County California | 1 | $ 447,000 | $ 447,000 | $ 76,000 |
| Shasta County California | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Stanislaus County California | 1 | $ 44,000 | $ 44,000 | $ 55,000 |
| Adams County Colorado | 1 | $ 137,000 | $ 137,000 | $ 95,000 |
| Denver County Colorado | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Jefferson County Colorado | 1 | $ 76,000 | $ 76,000 | $ 49,000 |
| Weld County Colorado | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Alachua County Florida | 1 | $ 121,000 | $ 121,000 | $ 68,000 |
| Bay County Florida | 1 | $ 68,000 | $ 68,000 | $ 84,000 |
| Brevard County Florida | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| Manatee County Florida | 1 | $ 106,000 | $ 106,000 | $ 65,000 |
| Nassau County Florida | 1 | $ 96,000 | $ 96,000 | $ 28,000 |
| Okaloosa County Florida | 1 | $ 71,000 | $ 71,000 | $ 43,000 |
| Sarasota County Florida | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| St. Johns County Florida | 1 | $ 266,000 | $ 266,000 | $ 105,000 |
| Chattooga County Georgia | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Columbia County Georgia | 1 | $ 126,000 | $ 126,000 | $ 105,000 |
| DeKalb County Georgia | 1 | $ 111,000 | $ 111,000 | $ 94,000 |
| Haralson County Georgia | 1 | $ 81,000 | $ 81,000 | $ 75,000 |
| Coles County Illinois | 1 | $ 80,000 | $ 80,000 | $ 38,000 |
| Franklin County Illinois | 1 | $ 33,000 | $ 33,000 | $ 24,000 |
| Lake County Illinois | 1 | $ 236,000 | $ 236,000 | $ 177,000 |
| Washington County Illinois | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Jefferson County Indiana | 1 | $ 86,000 | $ 86,000 | $ 30,000 |
| Lee County Iowa | 1 | $ 105,000 | $ 105,000 | $ 47,000 |
| Scott County Iowa | 1 | $ 100,000 | $ 100,000 | $ 107,000 |
| Logan County Kentucky | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Ouachita County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 79,000 |
| Suffolk County Massachusetts | 1 | $ 224,000 | $ 224,000 | $ 65,000 |
| Washington County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 29,000 |
| Benton County Missouri | 1 | $ 38,000 | $ 38,000 | $ 39,000 |
| Butler County Missouri | 1 | $ 60,000 | $ 60,000 | $ 38,000 |
| Cole County Missouri | 1 | $ 74,000 | $ 74,000 | $ 35,000 |
| Gasconade County Missouri | 1 | $ 35,000 | $ 35,000 | $ 167,000 |
| Henry County Missouri | 1 | $ 77,000 | $ 77,000 | $ 66,000 |
| Jackson County Missouri | 1 | $ 67,000 | $ 67,000 | $ 75,000 |
| Montgomery County Missouri | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Washington County Missouri | 1 | $ 31,000 | $ 31,000 | $ 49,000 |
| Churchill County Nevada | 1 | $ 153,000 | $ 153,000 | $ 51,000 |
| Clark County Nevada | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Strafford County New Hampshire | 1 | $ 216,000 | $ 216,000 | $ 86,000 |
| Burlington County New Jersey | 1 | $ 267,000 | $ 267,000 | $ 138,000 |
| Morris County New Jersey | 1 | $ 131,000 | $ 131,000 | $ 51,000 |
| Ocean County New Jersey | 1 | $ 153,000 | $ 153,000 | $ 81,000 |
| Somerset County New Jersey | 1 | $ 218,000 | $ 218,000 | $ 101,000 |
| Bernalillo County New Mexico | 1 | $ 64,000 | $ 64,000 | $ 64,000 |
| Curry County New Mexico | 1 | $ 38,000 | $ 38,000 | $ 42,000 |
| Cayuga County New York | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Madison County New York | 1 | $ 47,000 | $ 47,000 | $ 63,000 |
| Orange County New York | 1 | $ 103,000 | $ 103,000 | $ 87,000 |
| Queens County New York | 1 | $ 323,000 | $ 323,000 | $ 87,000 |
| Sullivan County New York | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Ulster County New York | 1 | $ 80,000 | $ 80,000 | $ 61,000 |
| Wayne County New York | 1 | $ 38,000 | $ 38,000 | $ 49,000 |
| Cherokee County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Logan County Ohio | 1 | $ 109,000 | $ 109,000 | $ 37,000 |
| Mercer County Ohio | 1 | $ 71,000 | $ 71,000 | $ 52,000 |
| Morrow County Ohio | 1 | $ 135,000 | $ 135,000 | $ 69,000 |
| Pickaway County Ohio | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Canadian County Oklahoma | 1 | $ 78,000 | $ 78,000 | $ 30,000 |
| Tulsa County Oklahoma | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Douglas County Oregon | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Bucks County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 157,000 |
| Horry County South Carolina | 1 | $ 137,000 | $ 137,000 | $ 87,000 |
| Cameron County Texas | 1 | $ 78,000 | $ 78,000 | $ 67,000 |
| Hidalgo County Texas | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| McLennan County Texas | 1 | $ 102,000 | $ 102,000 | $ 103,000 |
| Orange County Vermont | 1 | $ 49,000 | $ 49,000 | $ 52,000 |
| Hampton County Virginia | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Isle of Wight County Virginia | 1 | $ 90,000 | $ 90,000 | $ 48,000 |
| Mecklenburg County Virginia | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Portsmouth County Virginia | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Prince William County Virginia | 1 | $ 192,000 | $ 192,000 | $ 80,000 |
| Virginia Beach County Virginia | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Milwaukee County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Ozaukee County Wisconsin | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Vilas County Wisconsin | 1 | $ 101,000 | $ 101,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Together Credit Union in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,241 | $136,348,000 | $117,354 | $575,000 | $69,774 | $960,000 |
| Home Purchase (one-to-four family) | 223 | $29,809,000 | $144,157 | $522,000 | $65,105 | $179,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 1 | $150,000 | $150,000 | $150,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,242 | $139,841,000 | $119,387 | $575,000 | $70,645 | $960,000 |
| Black | 111 | $13,323,000 | $148,615 | $470,000 | $71,307 | $540,000 |
| Hispanic | 87 | $9,538,000 | $97,300 | $320,000 | $58,700 | $168,000 |
| Asian or Pacific Islander | 15 | $1,882,000 | $142,600 | $281,000 | $91,600 | $144,000 |
| Other | 6 | $1,140,000 | $177,250 | $321,000 | $77,500 | $114,000 |
| American Indian or Alaskan Native | 4 | $583,000 | $166,333 | $250,000 | $59,333 | $76,000 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,465 | $166,307,000 | $123,705 | $575,000 | $69,323 | $960,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,248 | $139,522,000 | $126,718 | $575,000 | $70,968 | $313,000 |
| Application Denied By Financial Institution | 93 | $11,093,000 | $102,846 | $522,000 | $58,307 | $540,000 |
| Application Withdrawn By Applicant | 50 | $6,431,000 | $119,833 | $356,000 | $71,083 | $177,000 |
| Application Approved But Not Accepted | 46 | $6,446,000 | $162,750 | $380,000 | $80,000 | $960,000 |
| File Closed For Incompleteness | 28 | $2,815,000 | $120,000 | $267,000 | $64,375 | $138,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Together Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Together Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.