Together Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Together Credit Union 2004 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 | 1,032 |
| Total Mortgage Loan Application Amount | $119,000,000 |
| Average Mortgage Loan Application Amount | $115,476 |
| Highest Mortgage Loan Application Amount | $600,000 |
| Average Applicant Income | $68,738 |
| Highest Applicant Income | $828,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 232 | $ 27,284,000 | $ 117,000 | $ 75,000 |
| St. Louis City County Missouri | 109 | $ 9,318,000 | $ 85,000 | $ 49,000 |
| Jefferson County Missouri | 56 | $ 6,116,000 | $ 109,000 | $ 60,000 |
| Hillsborough County Florida | 30 | $ 3,045,000 | $ 101,000 | $ 44,000 |
| St. Clair County Illinois | 22 | $ 2,423,000 | $ 110,000 | $ 71,000 |
| Los Angeles County California | 21 | $ 3,820,000 | $ 181,000 | $ 69,000 |
| St. Charles County Missouri | 19 | $ 2,339,000 | $ 123,000 | $ 73,000 |
| Madison County Illinois | 15 | $ 1,432,000 | $ 95,000 | $ 62,000 |
| Onondaga County New York | 14 | $ 930,000 | $ 66,000 | $ 80,000 |
| Harris County Texas | 13 | $ 1,260,000 | $ 96,000 | $ 92,000 |
| Orange County Florida | 12 | $ 1,345,000 | $ 112,000 | $ 53,000 |
| Dallas County Texas | 12 | $ 696,000 | $ 58,000 | $ 56,000 |
| Lamar County Texas | 12 | $ 717,000 | $ 59,000 | $ 48,000 |
| Monroe County Illinois | 10 | $ 1,312,000 | $ 131,000 | $ 83,000 |
| Franklin County Ohio | 9 | $ 993,000 | $ 110,000 | $ 59,000 |
| Bexar County Texas | 9 | $ 805,000 | $ 89,000 | $ 60,000 |
| Pinellas County Florida | 8 | $ 723,000 | $ 90,000 | $ 52,000 |
| James City County Virginia | 8 | $ 1,109,000 | $ 138,000 | $ 66,000 |
| Larimer County Colorado | 7 | $ 441,000 | $ 63,000 | $ 65,000 |
| Osceola County Florida | 7 | $ 567,000 | $ 81,000 | $ 44,000 |
| Pasco County Florida | 7 | $ 817,000 | $ 116,000 | $ 58,000 |
| Polk County Florida | 7 | $ 561,000 | $ 80,000 | $ 62,000 |
| Franklin County Missouri | 7 | $ 664,000 | $ 94,000 | $ 88,000 |
| Hillsborough County New Hampshire | 7 | $ 1,113,000 | $ 159,000 | $ 66,000 |
| Bartow County Georgia | 6 | $ 636,000 | $ 106,000 | $ 78,000 |
| York County Virginia | 6 | $ 997,000 | $ 166,000 | $ 80,000 |
| Riverside County California | 5 | $ 1,526,000 | $ 305,000 | $ 96,000 |
| Solano County California | 5 | $ 820,000 | $ 164,000 | $ 80,000 |
| St. Francois County Missouri | 5 | $ 649,000 | $ 129,000 | $ 85,000 |
| San Bernardino County California | 4 | $ 680,000 | $ 170,000 | $ 80,000 |
| Duval County Florida | 4 | $ 330,000 | $ 82,000 | $ 47,000 |
| Morgan County Missouri | 4 | $ 441,000 | $ 110,000 | $ 80,000 |
| Union County New Jersey | 4 | $ 826,000 | $ 206,000 | $ 78,000 |
| Gordon County Georgia | 3 | $ 157,000 | $ 52,000 | $ 82,000 |
| Camden County Missouri | 3 | $ 268,000 | $ 89,000 | $ 162,000 |
| Merrimack County New Hampshire | 3 | $ 218,000 | $ 72,000 | $ 81,000 |
| Essex County New Jersey | 3 | $ 278,000 | $ 92,000 | $ 57,000 |
| Cayuga County New York | 3 | $ 67,000 | $ 22,000 | $ 62,000 |
| Fairfield County Ohio | 3 | $ 229,000 | $ 76,000 | $ 47,000 |
| Newport News County Virginia | 3 | $ 409,000 | $ 136,000 | $ 76,000 |
| Maricopa County Arizona | 2 | $ 398,000 | $ 199,000 | $ 100,000 |
| Contra Costa County California | 2 | $ 180,000 | $ 90,000 | $ 83,000 |
| Napa County California | 2 | $ 231,000 | $ 115,000 | $ 93,000 |
| Ventura County California | 2 | $ 53,000 | $ 26,000 | $ 54,000 |
| Yolo County California | 2 | $ 72,000 | $ 36,000 | $ 75,000 |
| Broward County Florida | 2 | $ 357,000 | $ 178,000 | $ 120,000 |
| Charlotte County Florida | 2 | $ 55,000 | $ 27,000 | $ 97,000 |
| Clay County Florida | 2 | $ 156,000 | $ 78,000 | $ 60,000 |
| Lake County Florida | 2 | $ 265,000 | $ 132,000 | $ 57,000 |
| Lee County Florida | 2 | $ 146,000 | $ 73,000 | $ 90,000 |
| Okaloosa County Florida | 2 | $ 664,000 | $ 332,000 | $ 146,000 |
| Sarasota County Florida | 2 | $ 177,000 | $ 88,000 | $ 156,000 |
| Effingham County Illinois | 2 | $ 138,000 | $ 69,000 | $ 61,000 |
| Logan County Kentucky | 2 | $ 124,000 | $ 62,000 | $ 52,000 |
| Orleans County Louisiana | 2 | $ 179,000 | $ 89,000 | $ 64,000 |
| Dent County Missouri | 2 | $ 63,000 | $ 31,000 | $ 32,000 |
| Lincoln County Missouri | 2 | $ 210,000 | $ 105,000 | $ 79,000 |
| Pondera County Montana | 2 | $ 201,000 | $ 100,000 | $ 52,000 |
| Washoe County Nevada | 2 | $ 611,000 | $ 305,000 | $ 90,000 |
| Oswego County New York | 2 | $ 132,000 | $ 66,000 | $ 76,000 |
| Delaware County Ohio | 2 | $ 131,000 | $ 65,000 | $ 98,000 |
| Bell County Texas | 2 | $ 117,000 | $ 58,000 | $ 89,000 |
| Denton County Texas | 2 | $ 274,000 | $ 137,000 | $ 50,000 |
| Red River County Texas | 2 | $ 128,000 | $ 64,000 | $ 52,000 |
| Gloucester County Virginia | 2 | $ 264,000 | $ 132,000 | $ 53,000 |
| Hampton County Virginia | 2 | $ 235,000 | $ 117,000 | $ 47,000 |
| Baldwin County Alabama | 1 | $ 80,000 | $ 80,000 | $ 27,000 |
| Madison County Alabama | 1 | $ 97,000 | $ 97,000 | $ 41,000 |
| Pinal County Arizona | 1 | $ 27,000 | $ 27,000 | $ 26,000 |
| Carroll County Arkansas | 1 | $ 136,000 | $ 136,000 | $ 75,000 |
| Craighead County Arkansas | 1 | $ 29,000 | $ 29,000 | $ 78,000 |
| Kern County California | 1 | $ 248,000 | $ 248,000 | $ 82,000 |
| Sacramento County California | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| San Joaquin County California | 1 | $ 240,000 | $ 240,000 | $ 41,000 |
| Grand County Colorado | 1 | $ 124,000 | $ 124,000 | $ 108,000 |
| Summit County Colorado | 1 | $ 197,000 | $ 197,000 | $ 45,000 |
| Brevard County Florida | 1 | $ 17,000 | $ 17,000 | $ 39,000 |
| Escambia County Florida | 1 | $ 64,000 | $ 64,000 | $ 92,000 |
| Gilchrist County Florida | 1 | $ 103,000 | $ 103,000 | $ 52,000 |
| Hernando County Florida | 1 | $ 32,000 | $ 32,000 | $ 32,000 |
| Levy County Florida | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Manatee County Florida | 1 | $ 276,000 | $ 276,000 | $ 828,000 |
| Martin County Florida | 1 | $ 54,000 | $ 54,000 | $ 76,000 |
| Miami-Dade County Florida | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Nassau County Florida | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Chattooga County Georgia | 1 | $ 124,000 | $ 124,000 | $ 77,000 |
| Cherokee County Georgia | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Cobb County Georgia | 1 | $ 117,000 | $ 117,000 | $ 770,000 |
| Fannin County Georgia | 1 | $ 50,000 | $ 50,000 | $ 106,000 |
| Floyd County Georgia | 1 | $ 118,000 | $ 118,000 | $ 48,000 |
| Glynn County Georgia | 1 | $ 181,000 | $ 181,000 | $ 59,000 |
| Gwinnett County Georgia | 1 | $ 152,000 | $ 152,000 | $ 43,000 |
| Pickens County Georgia | 1 | $ 42,000 | $ 42,000 | $ 27,000 |
| Walker County Georgia | 1 | $ 64,000 | $ 64,000 | $ 47,000 |
| Adams County Illinois | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Clinton County Illinois | 1 | $ 83,000 | $ 83,000 | $ 26,000 |
| Jefferson County Illinois | 1 | $ 77,000 | $ 77,000 | $ 38,000 |
| Jersey County Illinois | 1 | $ 99,000 | $ 99,000 | $ 42,000 |
| Johnson County Illinois | 1 | $ 122,000 | $ 122,000 | $ 115,000 |
| Kane County Illinois | 1 | $ 31,000 | $ 31,000 | $ 95,000 |
| Kankakee County Illinois | 1 | $ 103,000 | $ 103,000 | $ 26,000 |
| Macoupin County Illinois | 1 | $ 99,000 | $ 99,000 | $ 51,000 |
| Lake County Indiana | 1 | $ 150,000 | $ 150,000 | $ 72,000 |
| Scott County Iowa | 1 | $ 102,000 | $ 102,000 | $ 27,000 |
| Barton County Kansas | 1 | $ 71,000 | $ 71,000 | $ 54,000 |
| Johnson County Kansas | 1 | $ 280,000 | $ 280,000 | $ 108,000 |
| Bullitt County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Livingston County Kentucky | 1 | $ 90,000 | $ 90,000 | $ 66,000 |
| Calcasieu County Louisiana | 1 | $ 56,000 | $ 56,000 | $ 21,000 |
| Ouachita County Louisiana | 1 | $ 157,000 | $ 157,000 | $ 93,000 |
| St. Tammany County Louisiana | 1 | $ 180,000 | $ 180,000 | $ 56,000 |
| Anne Arundel County Maryland | 1 | $ 260,000 | $ 260,000 | $ 79,000 |
| Pennington County Minnesota | 1 | $ 112,000 | $ 112,000 | $ 32,000 |
| Hancock County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Callaway County Missouri | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Cape Girardeau County Missouri | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Cole County Missouri | 1 | $ 74,000 | $ 74,000 | $ 15,000 |
| Ripley County Missouri | 1 | $ 62,000 | $ 62,000 | $ 14,000 |
| Texas County Missouri | 1 | $ 88,000 | $ 88,000 | $ 87,000 |
| Flathead County Montana | 1 | $ 212,000 | $ 212,000 | $ 58,000 |
| Rockingham County New Hampshire | 1 | $ 360,000 | $ 360,000 | $ 55,000 |
| Hudson County New Jersey | 1 | $ 113,000 | $ 113,000 | $ 62,000 |
| Middlesex County New Jersey | 1 | $ 131,000 | $ 131,000 | $ 90,000 |
| Ocean County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 92,000 |
| Valencia County New Mexico | 1 | $ 104,000 | $ 104,000 | $ 64,000 |
| Sullivan County New York | 1 | $ 102,000 | $ 102,000 | $ 52,000 |
| Durham County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Marshall County Oklahoma | 1 | $ 39,000 | $ 39,000 | $ 68,000 |
| Tulsa County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Charleston County South Carolina | 1 | $ 11,000 | $ 11,000 | $ 92,000 |
| Horry County South Carolina | 1 | $ 136,000 | $ 136,000 | $ 76,000 |
| Lancaster County South Carolina | 1 | $ 132,000 | $ 132,000 | $ 57,000 |
| Cheatham County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 52,000 |
| Williamson County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Cameron County Texas | 1 | $ 83,000 | $ 83,000 | $ 52,000 |
| Galveston County Texas | 1 | $ 8,000 | $ 8,000 | $ 54,000 |
| Hays County Texas | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Hood County Texas | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Hunt County Texas | 1 | $ 140,000 | $ 140,000 | $ 34,000 |
| Llano County Texas | 1 | $ 88,000 | $ 88,000 | $ 118,000 |
| Nueces County Texas | 1 | $ 140,000 | $ 140,000 | $ 64,000 |
| Tarrant County Texas | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Zapata County Texas | 1 | $ 54,000 | $ 54,000 | $ 52,000 |
| Chesapeake County Virginia | 1 | $ 116,000 | $ 116,000 | $ 42,000 |
| Chesterfield County Virginia | 1 | $ 60,000 | $ 60,000 | $ 97,000 |
| Culpeper County Virginia | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Isle of Wight County Virginia | 1 | $ 36,000 | $ 36,000 | $ 50,000 |
| King William County Virginia | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| New Kent County Virginia | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Petersburg County Virginia | 1 | $ 47,000 | $ 47,000 | $ 65,000 |
| Brown County Wisconsin | 1 | $ 134,000 | $ 134,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Together Credit Union in 2004
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 | 462 | $53,854,000 | $126,240 | $600,000 | $67,680 | $828,000 |
| Home Purchase | 432 | $60,336,000 | $157,541 | $528,000 | $69,458 | $558,000 |
| Home Improvement | 138 | $4,810,000 | $35,562 | $130,000 | $69,312 | $190,000 |
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 | 779 | $89,007,000 | $122,033 | $600,000 | $64,266 | $828,000 |
| Black or African American | 115 | $12,686,000 | $136,428 | $360,000 | $92,714 | $770,000 |
| Hispanic | 83 | $9,444,000 | $110,600 | $445,000 | $52,500 | $213,000 |
| Not Provided | 34 | $5,054,000 | $168,363 | $300,000 | $73,818 | $149,000 |
| Asian | 11 | $1,470,000 | $138,333 | $334,000 | $70,500 | $110,000 |
| American Indian or Alaskan Native | 6 | $965,000 | $198,750 | $480,000 | $74,500 | $112,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $97,000 | $48,500 | $72,000 | $42,000 | $45,000 |
| Not applicable | 2 | $277,000 | $138,500 | $153,000 | $99,000 | $102,000 |
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) | 1,032 | $119,000,000 | $127,500 | $600,000 | $66,343 | $828,000 |
| 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 | 696 | $72,570,000 | $121,423 | $600,000 | $65,153 | $300,000 |
| Application Withdrawn By Applicant | 109 | $15,257,000 | $147,357 | $400,000 | $82,928 | $770,000 |
| Application Denied By Financial Institution | 88 | $10,999,000 | $132,428 | $480,000 | $55,357 | $149,000 |
| Preapproval Approved but not Accepted | 69 | $10,488,000 | $152,000 | $344,000 | $77,000 | $227,000 |
| Application Approved But Not Accepted | 49 | $6,940,000 | $136,666 | $334,000 | $79,166 | $828,000 |
| File Closed For Incompleteness | 11 | $1,275,000 | $120,875 | $280,000 | $62,125 | $108,000 |
| Preapproval Denied by Financial Institution | 10 | $1,471,000 | $147,000 | $346,000 | $53,000 | $126,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 10 | $1,324,000 | $134,666 | $275,000 | $54,500 | $87,000 |
| Other | 8 | $866,000 | $102,666 | $190,000 | $47,666 | $100,000 |
| Collateral | 6 | $322,000 | $53,666 | $100,000 | $46,333 | $78,000 |
| Debt-To-Income Ratio | 5 | $998,000 | $200,500 | $320,000 | $44,000 | $83,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $457,000 | $101,000 | $140,000 | $27,000 | $47,000 |
| Unverifiable Information | 1 | $118,000 | $118,000 | $118,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Together Credit Union's 2004 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.