Together Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Together Credit Union 2005 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 1,420
Total Mortgage Loan Application Amount $159,525,000
Average Mortgage Loan Application Amount $117,054
Highest Mortgage Loan Application Amount $631,000
Average Applicant Income $78,932
Highest Applicant Income $1,095,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.

Mortgage Loan Application Totals for Together Credit Union by County in 2005

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 305 $ 30,245,000 $ 99,000 $ 66,000
St. Louis City County Missouri 119 $ 8,699,000 $ 73,000 $ 53,000
Jefferson County Missouri 78 $ 7,566,000 $ 97,000 $ 64,000
Hillsborough County Florida 54 $ 4,222,000 $ 78,000 $ 52,000
St. Charles County Missouri 40 $ 4,860,000 $ 121,000 $ 64,000
Los Angeles County California 34 $ 5,000,000 $ 147,000 $ 78,000
St. Clair County Illinois 29 $ 3,556,000 $ 122,000 $ 61,000
Franklin County Ohio 23 $ 1,957,000 $ 85,000 $ 64,000
Harris County Texas 18 $ 1,469,000 $ 81,000 $ 57,000
Madison County Illinois 16 $ 1,218,000 $ 76,000 $ 48,000
Orange County Florida 15 $ 1,595,000 $ 106,000 $ 50,000
Osceola County Florida 15 $ 1,619,000 $ 107,000 $ 50,000
Onondaga County New York 15 $ 642,000 $ 42,000 $ 62,000
James City County Virginia 15 $ 1,465,000 $ 97,000 $ 53,000
Bartow County Georgia 13 $ 1,399,000 $ 107,000 $ 56,000
Riverside County California 12 $ 2,011,000 $ 167,000 $ 64,000
Newport News County Virginia 12 $ 1,047,000 $ 87,000 $ 46,000
Pasco County Florida 11 $ 1,477,000 $ 134,000 $ 54,000
Monroe County Illinois 11 $ 1,166,000 $ 106,000 $ 68,000
Pinellas County Florida 10 $ 988,000 $ 98,000 $ 75,000
Hillsborough County New Hampshire 10 $ 1,036,000 $ 103,000 $ 66,000
York County Virginia 9 $ 983,000 $ 109,000 $ 74,000
San Joaquin County California 8 $ 1,444,000 $ 180,000 $ 78,000
Duval County Florida 8 $ 490,000 $ 61,000 $ 68,000
Franklin County Missouri 8 $ 800,000 $ 100,000 $ 45,000
Solano County California 7 $ 1,746,000 $ 249,000 $ 89,000
Polk County Florida 7 $ 899,000 $ 128,000 $ 47,000
Cobb County Georgia 7 $ 429,000 $ 61,000 $ 76,000
Ste. Genevieve County Missouri 7 $ 684,000 $ 97,000 $ 59,000
Larimer County Colorado 6 $ 289,000 $ 48,000 $ 73,000
Gordon County Georgia 6 $ 543,000 $ 90,000 $ 85,000
Merrimack County New Hampshire 6 $ 758,000 $ 126,000 $ 68,000
Bexar County Texas 6 $ 596,000 $ 99,000 $ 78,000
Dallas County Texas 6 $ 593,000 $ 98,000 $ 47,000
Lamar County Texas 6 $ 552,000 $ 92,000 $ 58,000
San Bernardino County California 5 $ 941,000 $ 188,000 $ 64,000
Camden County Missouri 5 $ 512,000 $ 102,000 $ 102,000
Delaware County Ohio 5 $ 490,000 $ 98,000 $ 70,000
Maricopa County Arizona 4 $ 328,000 $ 82,000 $ 65,000
Weld County Colorado 4 $ 195,000 $ 48,000 $ 65,000
Oswego County New York 4 $ 276,000 $ 69,000 $ 78,000
Ventura County California 3 $ 536,000 $ 178,000 $ 48,000
Yolo County California 3 $ 669,000 $ 223,000 $ 86,000
Lake County Florida 3 $ 304,000 $ 101,000 $ 79,000
Nassau County Florida 3 $ 585,000 $ 195,000 $ 85,000
Floyd County Georgia 3 $ 336,000 $ 112,000 $ 68,000
Essex County New Jersey 3 $ 504,000 $ 168,000 $ 95,000
Bernalillo County New Mexico 3 $ 199,000 $ 66,000 $ 80,000
Camden County North Carolina 3 $ 418,000 $ 139,000 $ 51,000
Oklahoma County Oklahoma 3 $ 270,000 $ 90,000 $ 51,000
Shasta County California 2 $ 566,000 $ 283,000 $ 112,000
Seminole County Florida 2 $ 354,000 $ 177,000 $ 66,000
Cherokee County Georgia 2 $ 133,000 $ 66,000 $ 71,000
DuPage County Illinois 2 $ 670,000 $ 335,000 $ 185,000
Jackson County Illinois 2 $ 187,000 $ 93,000 $ 41,000
Lake County Indiana 2 $ 195,000 $ 97,000 $ 55,000
Porter County Indiana 2 $ 130,000 $ 65,000 $ 63,000
St. Charles County Louisiana 2 $ 165,000 $ 82,000 $ 54,000
Anne Arundel County Maryland 2 $ 267,000 $ 133,000 $ 119,000
Iron County Missouri 2 $ 227,000 $ 113,000 $ 52,000
Miller County Missouri 2 $ 225,000 $ 112,000 $ 93,000
Morgan County Missouri 2 $ 85,000 $ 42,000 $ 69,000
Stone County Missouri 2 $ 171,000 $ 85,000 $ 61,000
Warren County Missouri 2 $ 115,000 $ 57,000 $ 39,000
Middlesex County New Jersey 2 $ 204,000 $ 102,000 $ 75,000
Somerset County New Jersey 2 $ 195,000 $ 97,000 $ 107,000
Eddy County New Mexico 2 $ 160,000 $ 80,000 $ 50,000
Queens County New York 2 $ 60,000 $ 30,000 $ 69,000
Fairfield County Ohio 2 $ 39,000 $ 19,000 $ 54,000
Licking County Ohio 2 $ 58,000 $ 29,000 $ 65,000
Logan County Ohio 2 $ 114,000 $ 57,000 $ 93,000
Fort Bend County Texas 2 $ 157,000 $ 78,000 $ 68,000
Montgomery County Texas 2 $ 154,000 $ 77,000 $ 75,000
San Jacinto County Texas 2 $ 112,000 $ 56,000 $ 109,000
Travis County Texas 2 $ 129,000 $ 64,000 $ 114,000
King William County Virginia 2 $ 289,000 $ 144,000 $ 76,000
New Kent County Virginia 2 $ 399,000 $ 199,000 $ 66,000
Prince William County Virginia 2 $ 265,000 $ 132,000 $ 82,000
Franklin County Alabama 1 $ 40,000 $ 40,000 $ 35,000
Cochise County Arizona 1 $ 20,000 $ 20,000 $ 82,000
Pinal County Arizona 1 $ 191,000 $ 191,000 $ 68,000
Craighead County Arkansas 1 $ 12,000 $ 12,000 $ 42,000
Pulaski County Arkansas 1 $ 54,000 $ 54,000 $ 120,000
Fresno County California 1 $ 135,000 $ 135,000 $ 92,000
Kern County California 1 $ 300,000 $ 300,000 $ 95,000
Mariposa County California 1 $ 51,000 $ 51,000 $ 82,000
Sacramento County California 1 $ 190,000 $ 190,000 $ 30,000
San Diego County California 1 $ 13,000 $ 13,000 $ 38,000
San Luis Obispo County California 1 $ 279,000 $ 279,000 $ 22,000
Stanislaus County California 1 $ 58,000 $ 58,000 $ 28,000
Sutter County California 1 $ 160,000 $ 160,000 $ 48,000
Arapahoe County Colorado 1 $ 227,000 $ 227,000 $ 54,000
Fairfield County Connecticut 1 $ 53,000 $ 53,000 $ 11,000
Middlesex County Connecticut 1 $ 144,000 $ 144,000 $ 82,000
Brevard County Florida 1 $ 85,000 $ 85,000 $ 28,000
Clay County Florida 1 $ 175,000 $ 175,000 $ 70,000
DeSoto County Florida 1 $ 150,000 $ 150,000 $ 72,000
Hernando County Florida 1 $ 72,000 $ 72,000 $ 29,000
Holmes County Florida 1 $ 76,000 $ 76,000 $ 31,000
Lee County Florida 1 $ 140,000 $ 140,000 $ 96,000
Manatee County Florida 1 $ 105,000 $ 105,000 $ 83,000
Marion County Florida 1 $ 77,000 $ 77,000 $ 27,000
Martin County Florida 1 $ 235,000 $ 235,000 $ 121,000
Okaloosa County Florida 1 $ 608,000 $ 608,000 $ 156,000
Palm Beach County Florida 1 $ 45,000 $ 45,000 $ 86,000
Sarasota County Florida 1 $ 125,000 $ 125,000 $ 51,000
St. Lucie County Florida 1 $ 18,000 $ 18,000 $ 25,000
Volusia County Florida 1 $ 105,000 $ 105,000 $ 63,000
Fulton County Georgia 1 $ 116,000 $ 116,000 $ 43,000
Gwinnett County Georgia 1 $ 30,000 $ 30,000 $ 49,000
Haralson County Georgia 1 $ 23,000 $ 23,000 $ 80,000
Liberty County Georgia 1 $ 69,000 $ 69,000 $ 41,000
Newton County Georgia 1 $ 158,000 $ 158,000 $ 55,000
Paulding County Georgia 1 $ 84,000 $ 84,000 $ 60,000
Polk County Georgia 1 $ 12,000 $ 12,000 $ 41,000
Walker County Georgia 1 $ 22,000 $ 22,000 $ 72,000
Kootenai County Idaho 1 $ 110,000 $ 110,000 $ 52,000
Jersey County Illinois 1 $ 100,000 $ 100,000 $ 48,000
Marion County Illinois 1 $ 15,000 $ 15,000 $ 72,000
Montgomery County Illinois 1 $ 223,000 $ 223,000 $ 80,000
Bullitt County Kentucky 1 $ 197,000 $ 197,000 $ 517,000
Calloway County Kentucky 1 $ 86,000 $ 86,000 $ 60,000
Howard County Maryland 1 $ 7,000 $ 7,000 $ 50,000
Hennepin County Minnesota 1 $ 630,000 $ 630,000 $ 306,000
Lamar County Mississippi 1 $ 179,000 $ 179,000 $ 65,000
Sunflower County Mississippi 1 $ 83,000 $ 83,000 $ 84,000
Bollinger County Missouri 1 $ 82,000 $ 82,000 $ 25,000
Buchanan County Missouri 1 $ 100,000 $ 100,000 $ 51,000
Clark County Missouri 1 $ 7,000 $ 7,000 $ 11,000
Cole County Missouri 1 $ 118,000 $ 118,000 $ 30,000
Gasconade County Missouri 1 $ 221,000 $ 221,000 $ 126,000
Greene County Missouri 1 $ 38,000 $ 38,000 $ 52,000
Jackson County Missouri 1 $ 96,000 $ 96,000 $ 36,000
St. Francois County Missouri 1 $ 93,000 $ 93,000 $ 57,000
Lancaster County Nebraska 1 $ 25,000 $ 25,000 $ 40,000
Clark County Nevada 1 $ 366,000 $ 366,000 $ 152,000
Belknap County New Hampshire 1 $ 16,000 $ 16,000 $ 64,000
Bergen County New Jersey 1 $ 29,000 $ 29,000 $ 23,000
Hunterdon County New Jersey 1 $ 100,000 $ 100,000 $ 130,000
Mercer County New Jersey 1 $ 302,000 $ 302,000 $ 108,000
Monmouth County New Jersey 1 $ 280,000 $ 280,000 $ 60,000
Morris County New Jersey 1 $ 40,000 $ 40,000 $ 110,000
Ocean County New Jersey 1 $ 40,000 $ 40,000 $ 59,000
Union County New Jersey 1 $ 35,000 $ 35,000 $ 97,000
Colfax County New Mexico 1 $ 78,000 $ 78,000 $ 48,000
Bronx County New York 1 $ 333,000 $ 333,000 $ 32,000
Madison County New York 1 $ 48,000 $ 48,000 $ 50,000
Sullivan County New York 1 $ 40,000 $ 40,000 $ 105,000
Cabarrus County North Carolina 1 $ 125,000 $ 125,000 $ 31,000
Cumberland County North Carolina 1 $ 125,000 $ 125,000 $ 90,000
Union County North Carolina 1 $ 256,000 $ 256,000 $ 136,000
Wake County North Carolina 1 $ 55,000 $ 55,000 $ 27,000
Clark County Ohio 1 $ 87,000 $ 87,000 $ 18,000
Clermont County Ohio 1 $ 202,000 $ 202,000 $ 103,000
Hocking County Ohio 1 $ 112,000 $ 112,000 $ 56,000
Knox County Ohio 1 $ 185,000 $ 185,000 $ 53,000
Lucas County Ohio 1 $ 97,000 $ 97,000 $ 84,000
Marion County Ohio 1 $ 100,000 $ 100,000 $ 69,000
Mercer County Ohio 1 $ 15,000 $ 15,000 $ 52,000
Union County Ohio 1 $ 10,000 $ 10,000 $ 108,000
Choctaw County Oklahoma 1 $ 26,000 $ 26,000 $ 32,000
Cleveland County Oklahoma 1 $ 98,000 $ 98,000 $ 46,000
Rogers County Oklahoma 1 $ 147,000 $ 147,000 $ 54,000
Tulsa County Oklahoma 1 $ 56,000 $ 56,000 $ 122,000
Allegheny County Pennsylvania 1 $ 25,000 $ 25,000 $ 50,000
Lehigh County Pennsylvania 1 $ 276,000 $ 276,000 $ 174,000
Humphreys County Tennessee 1 $ 15,000 $ 15,000 $ 112,000
Rutherford County Tennessee 1 $ 270,000 $ 270,000 $ 73,000
Collin County Texas 1 $ 175,000 $ 175,000 $ 98,000
Galveston County Texas 1 $ 86,000 $ 86,000 $ 42,000
Gregg County Texas 1 $ 188,000 $ 188,000 $ 137,000
Medina County Texas 1 $ 28,000 $ 28,000 $ 44,000
Cache County Utah 1 $ 328,000 $ 328,000 $ 150,000
Chesterfield County Virginia 1 $ 355,000 $ 355,000 $ 62,000
Culpeper County Virginia 1 $ 45,000 $ 45,000 $ 53,000
Gloucester County Virginia 1 $ 170,000 $ 170,000 $ 50,000
Hampton County Virginia 1 $ 30,000 $ 30,000 $ 51,000
Isle of Wight County Virginia 1 $ 35,000 $ 35,000 $ 59,000
Middlesex County Virginia 1 $ 157,000 $ 157,000 $ 35,000
Suffolk County Virginia 1 $ 260,000 $ 260,000 $ 76,000
Virginia Beach County Virginia 1 $ 200,000 $ 200,000 $ 1,013,000
Williamsburg County Virginia 1 $ 360,000 $ 360,000 $ 143,000
Grant County Washington 1 $ 25,000 $ 25,000 $ 85,000
Mason County Washington 1 $ 216,000 $ 216,000 $ 37,000
Walworth County Wisconsin 1 $ 18,000 $ 18,000 $ 68,000
Waukesha County Wisconsin 1 $ 222,000 $ 222,000 $ 75,000
Park County Wyoming 1 $ 15,000 $ 15,000 $ 72,000

Mortgage Loan Application Detail Totals for Together Credit Union in 2005

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
Home Purchase 576 $84,842,000 $149,760 $631,000 $72,280 $1,095,000
Home Improvement 425 $16,606,000 $33,259 $235,000 $64,259 $180,000
Refinancing 419 $58,077,000 $182,727 $630,000 $104,500 $1,013,000

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 1,133 $123,244,000 $121,363 $630,000 $86,484 $1,095,000
Black or African American 159 $18,437,000 $125,235 $428,000 $60,529 $160,000
Hispanic 110 $14,777,000 $123,000 $631,000 $68,214 $185,000
Asian 14 $2,562,000 $175,800 $360,000 $68,400 $161,000
American Indian or Alaskan Native 3 $460,000 $133,000 $238,000 $59,500 $119,000
Native Hawaiian or Other Pacific Islander 1 $45,000 $45,000 $45,000 $62,000 $62,000
Not applicable 0 $0 $0 $0 $0 $0
Not Provided 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) 1,420 $159,525,000 $127,142 $631,000 $85,742 $1,095,000
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 939 $88,710,000 $95,290 $631,000 $70,322 $1,013,000
Application Denied By Financial Institution 145 $18,001,000 $142,111 $470,000 $64,888 $174,000
Preapproval Approved but not Accepted 127 $22,775,000 $179,000 $460,000 $80,000 $924,000
Application Withdrawn By Applicant 95 $13,405,000 $184,866 $630,000 $76,666 $1,095,000
Application Approved But Not Accepted 69 $9,513,000 $146,466 $608,000 $112,133 $1,065,000
File Closed For Incompleteness 30 $4,567,000 $147,428 $300,000 $63,428 $137,000
Preapproval Denied by Financial Institution 15 $2,554,000 $170,000 $350,000 $57,000 $94,000
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 2005 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.

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