Together Credit Union Mortgage Lending & HMDA Data, 2005

In 2005, Together Credit Union of 423 Lynch Street, MO reported 1,420 mortgage applications totaling $159.5 million, up 38% from 2004. The average application was for $112,341, and applicants reported an average income of $64,859. 66% of its applications resulted in an originated loan and 10% were denied. Its largest markets were St. Louis, MO-IL (552), Tampa-St. Petersburg-Clearwater, FL (76) and Virginia Beach-Norfolk-Newport News, VA-NC (42) (applications in parentheses).

Mortgage Company & Address Together Credit Union
Michael Dougherty
423 Lynch Street, MO 63118
Tel #: available with data download
Federal Regulator * available with data download
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Total Number of Mortgage Applications 1,420
Total Mortgage Loan Application Amount $159,525,000
Average Mortgage Loan Application Amount $112,341
Highest Mortgage Loan Application Amount $631,000
Average Applicant Income $64,859
Highest Applicant Income $1,095,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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, Missouri 305 $ 30,245,000 $ 99,163 $ 66,000
St. Louis City, Missouri 119 $ 8,699,000 $ 73,100 $ 53,000
Jefferson, Missouri 78 $ 7,566,000 $ 97,000 $ 64,000
Hillsborough, Florida 54 $ 4,222,000 $ 78,185 $ 52,000
St. Charles, Missouri 40 $ 4,860,000 $ 121,500 $ 64,000
Los Angeles, California 34 $ 5,000,000 $ 147,058 $ 78,000
St. Clair, Illinois 29 $ 3,556,000 $ 122,620 $ 61,000
Franklin, Ohio 23 $ 1,957,000 $ 85,086 $ 64,000
Harris, Texas 18 $ 1,469,000 $ 81,611 $ 57,000
Madison, Illinois 16 $ 1,218,000 $ 76,125 $ 48,000
Orange, Florida 15 $ 1,595,000 $ 106,333 $ 50,000
Osceola, Florida 15 $ 1,619,000 $ 107,933 $ 50,000
Onondaga, New York 15 $ 642,000 $ 42,800 $ 62,000
James City, Virginia 15 $ 1,465,000 $ 97,666 $ 53,000
Bartow, Georgia 13 $ 1,399,000 $ 107,615 $ 56,000
Riverside, California 12 $ 2,011,000 $ 167,583 $ 64,000
Newport News, Virginia 12 $ 1,047,000 $ 87,250 $ 46,000
Pasco, Florida 11 $ 1,477,000 $ 134,272 $ 54,000
Monroe, Illinois 11 $ 1,166,000 $ 106,000 $ 68,000
Pinellas, Florida 10 $ 988,000 $ 98,800 $ 75,000
Hillsborough, New Hampshire 10 $ 1,036,000 $ 103,600 $ 66,000
York, Virginia 9 $ 983,000 $ 109,222 $ 74,000
San Joaquin, California 8 $ 1,444,000 $ 180,500 $ 78,000
Duval, Florida 8 $ 490,000 $ 61,250 $ 68,000
Franklin, Missouri 8 $ 800,000 $ 100,000 $ 45,000
Solano, California 7 $ 1,746,000 $ 249,428 $ 89,000
Polk, Florida 7 $ 899,000 $ 128,428 $ 47,000
Cobb, Georgia 7 $ 429,000 $ 61,285 $ 76,000
Ste. Genevieve, Missouri 7 $ 684,000 $ 97,714 $ 59,000
Larimer, Colorado 6 $ 289,000 $ 48,166 $ 73,000
Gordon, Georgia 6 $ 543,000 $ 90,500 $ 85,000
Merrimack, New Hampshire 6 $ 758,000 $ 126,333 $ 68,000
Bexar, Texas 6 $ 596,000 $ 99,333 $ 78,000
Dallas, Texas 6 $ 593,000 $ 98,833 $ 47,000
Lamar, Texas 6 $ 552,000 $ 92,000 $ 58,000
San Bernardino, California 5 $ 941,000 $ 188,200 $ 64,000
Camden, Missouri 5 $ 512,000 $ 102,400 $ 102,000
Delaware, Ohio 5 $ 490,000 $ 98,000 $ 70,000
Maricopa, Arizona 4 $ 328,000 $ 82,000 $ 65,000
Weld, Colorado 4 $ 195,000 $ 48,750 $ 65,000
Oswego, New York 4 $ 276,000 $ 69,000 $ 78,000
Ventura, California 3 $ 536,000 $ 178,666 $ 48,000
Yolo, California 3 $ 669,000 $ 223,000 $ 86,000
Lake, Florida 3 $ 304,000 $ 101,333 $ 79,000
Nassau, Florida 3 $ 585,000 $ 195,000 $ 85,000
Floyd, Georgia 3 $ 336,000 $ 112,000 $ 68,000
Essex, New Jersey 3 $ 504,000 $ 168,000 $ 95,000
Bernalillo, New Mexico 3 $ 199,000 $ 66,333 $ 80,000
Camden, North Carolina 3 $ 418,000 $ 139,333 $ 51,000
Oklahoma, Oklahoma 3 $ 270,000 $ 90,000 $ 51,000
Shasta, California 2 $ 566,000 $ 283,000 $ 112,000
Seminole, Florida 2 $ 354,000 $ 177,000 $ 66,000
Cherokee, Georgia 2 $ 133,000 $ 66,500 $ 71,000
DuPage, Illinois 2 $ 670,000 $ 335,000 $ 185,000
Jackson, Illinois 2 $ 187,000 $ 93,500 $ 41,000
Lake, Indiana 2 $ 195,000 $ 97,500 $ 55,000
Porter, Indiana 2 $ 130,000 $ 65,000 $ 63,000
St. Charles, Louisiana 2 $ 165,000 $ 82,500 $ 54,000
Anne Arundel, Maryland 2 $ 267,000 $ 133,500 $ 119,000
Iron, Missouri 2 $ 227,000 $ 113,500 $ 52,000
Miller, Missouri 2 $ 225,000 $ 112,500 $ 93,000
Morgan, Missouri 2 $ 85,000 $ 42,500 $ 69,000
Stone, Missouri 2 $ 171,000 $ 85,500 $ 61,000
Warren, Missouri 2 $ 115,000 $ 57,500 $ 39,000
Middlesex, New Jersey 2 $ 204,000 $ 102,000 $ 75,000
Somerset, New Jersey 2 $ 195,000 $ 97,500 $ 107,000
Eddy, New Mexico 2 $ 160,000 $ 80,000 $ 50,000
Queens, New York 2 $ 60,000 $ 30,000 $ 69,000
Fairfield, Ohio 2 $ 39,000 $ 19,500 $ 54,000
Licking, Ohio 2 $ 58,000 $ 29,000 $ 65,000
Logan, Ohio 2 $ 114,000 $ 57,000 $ 93,000
Fort Bend, Texas 2 $ 157,000 $ 78,500 $ 68,000
Montgomery, Texas 2 $ 154,000 $ 77,000 $ 75,000
San Jacinto, Texas 2 $ 112,000 $ 56,000 $ 109,000
Travis, Texas 2 $ 129,000 $ 64,500 $ 114,000
King William, Virginia 2 $ 289,000 $ 144,500 $ 76,000
New Kent, Virginia 2 $ 399,000 $ 199,500 $ 66,000
Prince William, Virginia 2 $ 265,000 $ 132,500 $ 82,000
Franklin, Alabama 1 $ 40,000 $ 40,000 $ 35,000
Cochise, Arizona 1 $ 20,000 $ 20,000 $ 82,000
Pinal, Arizona 1 $ 191,000 $ 191,000 $ 68,000
Craighead, Arkansas 1 $ 12,000 $ 12,000 $ 42,000
Pulaski, Arkansas 1 $ 54,000 $ 54,000 $ 120,000
Fresno, California 1 $ 135,000 $ 135,000 $ 92,000
Kern, California 1 $ 300,000 $ 300,000 $ 95,000
Mariposa, California 1 $ 51,000 $ 51,000 $ 82,000
Sacramento, California 1 $ 190,000 $ 190,000 $ 30,000
San Diego, California 1 $ 13,000 $ 13,000 $ 38,000
San Luis Obispo, California 1 $ 279,000 $ 279,000 $ 22,000
Stanislaus, California 1 $ 58,000 $ 58,000 $ 28,000
Sutter, California 1 $ 160,000 $ 160,000 $ 48,000
Arapahoe, Colorado 1 $ 227,000 $ 227,000 $ 54,000
Fairfield, Connecticut 1 $ 53,000 $ 53,000 $ 11,000
Middlesex, Connecticut 1 $ 144,000 $ 144,000 $ 82,000
Brevard, Florida 1 $ 85,000 $ 85,000 $ 28,000
Clay, Florida 1 $ 175,000 $ 175,000 $ 70,000
DeSoto, Florida 1 $ 150,000 $ 150,000 $ 72,000
Hernando, Florida 1 $ 72,000 $ 72,000 $ 29,000
Holmes, Florida 1 $ 76,000 $ 76,000 $ 31,000
Lee, Florida 1 $ 140,000 $ 140,000 $ 96,000
Manatee, Florida 1 $ 105,000 $ 105,000 $ 83,000
Marion, Florida 1 $ 77,000 $ 77,000 $ 27,000
Martin, Florida 1 $ 235,000 $ 235,000 $ 121,000
Okaloosa, Florida 1 $ 608,000 $ 608,000 $ 156,000
Palm Beach, Florida 1 $ 45,000 $ 45,000 $ 86,000
Sarasota, Florida 1 $ 125,000 $ 125,000 $ 51,000
St. Lucie, Florida 1 $ 18,000 $ 18,000 $ 25,000
Volusia, Florida 1 $ 105,000 $ 105,000 $ 63,000
Fulton, Georgia 1 $ 116,000 $ 116,000 $ 43,000
Gwinnett, Georgia 1 $ 30,000 $ 30,000 $ 49,000
Haralson, Georgia 1 $ 23,000 $ 23,000 $ 80,000
Liberty, Georgia 1 $ 69,000 $ 69,000 $ 41,000
Newton, Georgia 1 $ 158,000 $ 158,000 $ 55,000
Paulding, Georgia 1 $ 84,000 $ 84,000 $ 60,000
Polk, Georgia 1 $ 12,000 $ 12,000 $ 41,000
Walker, Georgia 1 $ 22,000 $ 22,000 $ 72,000
Kootenai, Idaho 1 $ 110,000 $ 110,000 $ 52,000
Jersey, Illinois 1 $ 100,000 $ 100,000 $ 48,000
Marion, Illinois 1 $ 15,000 $ 15,000 $ 72,000
Montgomery, Illinois 1 $ 223,000 $ 223,000 $ 80,000
Bullitt, Kentucky 1 $ 197,000 $ 197,000 $ 517,000
Calloway, Kentucky 1 $ 86,000 $ 86,000 $ 60,000
Howard, Maryland 1 $ 7,000 $ 7,000 $ 50,000
Hennepin, Minnesota 1 $ 630,000 $ 630,000 $ 306,000
Lamar, Mississippi 1 $ 179,000 $ 179,000 $ 65,000
Sunflower, Mississippi 1 $ 83,000 $ 83,000 $ 84,000
Bollinger, Missouri 1 $ 82,000 $ 82,000 $ 25,000
Buchanan, Missouri 1 $ 100,000 $ 100,000 $ 51,000
Clark, Missouri 1 $ 7,000 $ 7,000 $ 11,000
Cole, Missouri 1 $ 118,000 $ 118,000 $ 30,000
Gasconade, Missouri 1 $ 221,000 $ 221,000 $ 126,000
Greene, Missouri 1 $ 38,000 $ 38,000 $ 52,000
Jackson, Missouri 1 $ 96,000 $ 96,000 $ 36,000
St. Francois, Missouri 1 $ 93,000 $ 93,000 $ 57,000
Lancaster, Nebraska 1 $ 25,000 $ 25,000 $ 40,000
Clark, Nevada 1 $ 366,000 $ 366,000 $ 152,000
Belknap, New Hampshire 1 $ 16,000 $ 16,000 $ 64,000
Bergen, New Jersey 1 $ 29,000 $ 29,000 $ 23,000
Hunterdon, New Jersey 1 $ 100,000 $ 100,000 $ 130,000
Mercer, New Jersey 1 $ 302,000 $ 302,000 $ 108,000
Monmouth, New Jersey 1 $ 280,000 $ 280,000 $ 60,000
Morris, New Jersey 1 $ 40,000 $ 40,000 $ 110,000
Ocean, New Jersey 1 $ 40,000 $ 40,000 $ 59,000
Union, New Jersey 1 $ 35,000 $ 35,000 $ 97,000
Colfax, New Mexico 1 $ 78,000 $ 78,000 $ 48,000
Bronx, New York 1 $ 333,000 $ 333,000 $ 32,000
Madison, New York 1 $ 48,000 $ 48,000 $ 50,000
Sullivan, New York 1 $ 40,000 $ 40,000 $ 105,000
Cabarrus, North Carolina 1 $ 125,000 $ 125,000 $ 31,000
Cumberland, North Carolina 1 $ 125,000 $ 125,000 $ 90,000
Union, North Carolina 1 $ 256,000 $ 256,000 $ 136,000
Wake, North Carolina 1 $ 55,000 $ 55,000 $ 27,000
Clark, Ohio 1 $ 87,000 $ 87,000 $ 18,000
Clermont, Ohio 1 $ 202,000 $ 202,000 $ 103,000
Hocking, Ohio 1 $ 112,000 $ 112,000 $ 56,000
Knox, Ohio 1 $ 185,000 $ 185,000 $ 53,000
Lucas, Ohio 1 $ 97,000 $ 97,000 $ 84,000
Marion, Ohio 1 $ 100,000 $ 100,000 $ 69,000
Mercer, Ohio 1 $ 15,000 $ 15,000 $ 52,000
Union, Ohio 1 $ 10,000 $ 10,000 $ 108,000
Choctaw, Oklahoma 1 $ 26,000 $ 26,000 $ 32,000
Cleveland, Oklahoma 1 $ 98,000 $ 98,000 $ 46,000
Rogers, Oklahoma 1 $ 147,000 $ 147,000 $ 54,000
Tulsa, Oklahoma 1 $ 56,000 $ 56,000 $ 122,000
Allegheny, Pennsylvania 1 $ 25,000 $ 25,000 $ 50,000
Lehigh, Pennsylvania 1 $ 276,000 $ 276,000 $ 174,000
Humphreys, Tennessee 1 $ 15,000 $ 15,000 $ 112,000
Rutherford, Tennessee 1 $ 270,000 $ 270,000 $ 73,000
Collin, Texas 1 $ 175,000 $ 175,000 $ 98,000
Galveston, Texas 1 $ 86,000 $ 86,000 $ 42,000
Gregg, Texas 1 $ 188,000 $ 188,000 $ 137,000
Medina, Texas 1 $ 28,000 $ 28,000 $ 44,000
Cache, Utah 1 $ 328,000 $ 328,000 $ 150,000
Chesterfield, Virginia 1 $ 355,000 $ 355,000 $ 62,000
Culpeper, Virginia 1 $ 45,000 $ 45,000 $ 53,000
Gloucester, Virginia 1 $ 170,000 $ 170,000 $ 50,000
Hampton, Virginia 1 $ 30,000 $ 30,000 $ 51,000
Isle of Wight, Virginia 1 $ 35,000 $ 35,000 $ 59,000
Middlesex, Virginia 1 $ 157,000 $ 157,000 $ 35,000
Suffolk, Virginia 1 $ 260,000 $ 260,000 $ 76,000
Virginia Beach, Virginia 1 $ 200,000 $ 200,000 $ 1,013,000
Williamsburg, Virginia 1 $ 360,000 $ 360,000 $ 143,000
Grant, Washington 1 $ 25,000 $ 25,000 $ 85,000
Mason, Washington 1 $ 216,000 $ 216,000 $ 37,000
Walworth, Wisconsin 1 $ 18,000 $ 18,000 $ 68,000
Waukesha, Wisconsin 1 $ 222,000 $ 222,000 $ 75,000
Park, 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.
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