Together Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Together Credit Union 2009 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 | 2,635 |
| Total Mortgage Loan Application Amount | $360,338,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $823,000 |
| Average Applicant Income | $80,666 |
| Highest Applicant Income | $1,203,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 625 | $ 85,936,000 | $ 137,000 | $ 85,000 |
| Jefferson County Missouri | 214 | $ 26,928,000 | $ 125,000 | $ 76,000 |
| St. Louis City County Missouri | 194 | $ 19,969,000 | $ 102,000 | $ 65,000 |
| St. Charles County Missouri | 117 | $ 17,666,000 | $ 150,000 | $ 87,000 |
| Los Angeles County California | 41 | $ 8,419,000 | $ 205,000 | $ 97,000 |
| Hillsborough County Florida | 41 | $ 5,034,000 | $ 122,000 | $ 83,000 |
| Madison County Illinois | 34 | $ 4,480,000 | $ 131,000 | $ 86,000 |
| St. Clair County Illinois | 34 | $ 3,747,000 | $ 110,000 | $ 80,000 |
| Harris County Texas | 27 | $ 3,119,000 | $ 115,000 | $ 83,000 |
| Orange County Florida | 26 | $ 3,437,000 | $ 132,000 | $ 73,000 |
| Onondaga County New York | 24 | $ 1,943,000 | $ 80,000 | $ 76,000 |
| James City County Virginia | 24 | $ 3,987,000 | $ 166,000 | $ 84,000 |
| Franklin County Ohio | 22 | $ 2,774,000 | $ 126,000 | $ 75,000 |
| Larimer County Colorado | 20 | $ 3,378,000 | $ 168,000 | $ 91,000 |
| Monroe County Illinois | 20 | $ 3,749,000 | $ 187,000 | $ 116,000 |
| Hillsborough County New Hampshire | 18 | $ 3,049,000 | $ 169,000 | $ 87,000 |
| York County Virginia | 16 | $ 2,538,000 | $ 158,000 | $ 70,000 |
| Bartow County Georgia | 15 | $ 2,323,000 | $ 154,000 | $ 85,000 |
| Franklin County Missouri | 14 | $ 2,981,000 | $ 212,000 | $ 87,000 |
| Lamar County Texas | 13 | $ 970,000 | $ 74,000 | $ 95,000 |
| Camden County Missouri | 12 | $ 1,877,000 | $ 156,000 | $ 122,000 |
| Bexar County Texas | 10 | $ 1,230,000 | $ 123,000 | $ 78,000 |
| Newport News County Virginia | 10 | $ 1,500,000 | $ 150,000 | $ 73,000 |
| Solano County California | 9 | $ 1,621,000 | $ 180,000 | $ 73,000 |
| Pinellas County Florida | 9 | $ 1,121,000 | $ 124,000 | $ 63,000 |
| Delaware County Ohio | 8 | $ 1,152,000 | $ 144,000 | $ 85,000 |
| Brazoria County Texas | 8 | $ 1,129,000 | $ 141,000 | $ 114,000 |
| Essex County New Jersey | 7 | $ 1,192,000 | $ 170,000 | $ 92,000 |
| Dallas County Texas | 7 | $ 998,000 | $ 142,000 | $ 92,000 |
| Duval County Florida | 6 | $ 984,000 | $ 164,000 | $ 64,000 |
| Pasco County Florida | 6 | $ 1,092,000 | $ 182,000 | $ 67,000 |
| Lincoln County Missouri | 6 | $ 1,913,000 | $ 318,000 | $ 90,000 |
| Warren County Missouri | 6 | $ 597,000 | $ 99,000 | $ 88,000 |
| Oswego County New York | 6 | $ 546,000 | $ 91,000 | $ 67,000 |
| Denton County Texas | 6 | $ 1,309,000 | $ 218,000 | $ 131,000 |
| San Diego County California | 5 | $ 1,535,000 | $ 307,000 | $ 106,000 |
| Polk County Florida | 5 | $ 501,000 | $ 100,000 | $ 65,000 |
| Floyd County Georgia | 5 | $ 623,000 | $ 124,000 | $ 75,000 |
| Gwinnett County Georgia | 5 | $ 507,000 | $ 101,000 | $ 83,000 |
| St. Francois County Missouri | 5 | $ 532,000 | $ 106,000 | $ 59,000 |
| Ste. Genevieve County Missouri | 5 | $ 528,000 | $ 105,000 | $ 100,000 |
| New Kent County Virginia | 5 | $ 776,000 | $ 155,000 | $ 52,000 |
| Maricopa County Arizona | 4 | $ 366,000 | $ 91,000 | $ 62,000 |
| Alameda County California | 4 | $ 680,000 | $ 170,000 | $ 77,000 |
| Weld County Colorado | 4 | $ 529,000 | $ 132,000 | $ 89,000 |
| Osceola County Florida | 4 | $ 340,000 | $ 85,000 | $ 47,000 |
| Boone County Missouri | 4 | $ 587,000 | $ 146,000 | $ 48,000 |
| Morgan County Missouri | 4 | $ 418,000 | $ 104,000 | $ 92,000 |
| Union County New Jersey | 4 | $ 1,091,000 | $ 272,000 | $ 125,000 |
| Cayuga County New York | 4 | $ 266,000 | $ 66,000 | $ 60,000 |
| Oklahoma County Oklahoma | 4 | $ 637,000 | $ 159,000 | $ 150,000 |
| Montgomery County Texas | 4 | $ 677,000 | $ 169,000 | $ 95,000 |
| San Bernardino County California | 3 | $ 700,000 | $ 233,000 | $ 83,000 |
| Broward County Florida | 3 | $ 350,000 | $ 116,000 | $ 222,000 |
| Collier County Florida | 3 | $ 1,385,000 | $ 461,000 | $ 334,000 |
| Hernando County Florida | 3 | $ 346,000 | $ 115,000 | $ 66,000 |
| Gordon County Georgia | 3 | $ 437,000 | $ 145,000 | $ 78,000 |
| Cook County Illinois | 3 | $ 855,000 | $ 285,000 | $ 110,000 |
| Cape Girardeau County Missouri | 3 | $ 387,000 | $ 129,000 | $ 89,000 |
| Clark County Nevada | 3 | $ 447,000 | $ 149,000 | $ 158,000 |
| Middlesex County New Jersey | 3 | $ 489,000 | $ 163,000 | $ 77,000 |
| Allegheny County Pennsylvania | 3 | $ 398,000 | $ 132,000 | $ 75,000 |
| Williamsburg County Virginia | 3 | $ 1,325,000 | $ 441,000 | $ 267,000 |
| Pulaski County Arkansas | 2 | $ 231,000 | $ 115,000 | $ 109,000 |
| Kern County California | 2 | $ 356,000 | $ 178,000 | $ 85,000 |
| Orange County California | 2 | $ 856,000 | $ 428,000 | $ 201,000 |
| Riverside County California | 2 | $ 392,000 | $ 196,000 | $ 90,000 |
| Ventura County California | 2 | $ 502,000 | $ 251,000 | $ 63,000 |
| Park County Colorado | 2 | $ 605,000 | $ 302,000 | $ 124,000 |
| Summit County Colorado | 2 | $ 306,000 | $ 153,000 | $ 108,000 |
| Charlotte County Florida | 2 | $ 168,000 | $ 84,000 | $ 72,000 |
| Lake County Florida | 2 | $ 172,000 | $ 86,000 | $ 32,000 |
| Lee County Florida | 2 | $ 365,000 | $ 182,000 | $ 130,000 |
| Nassau County Florida | 2 | $ 270,000 | $ 135,000 | $ 70,000 |
| Seminole County Florida | 2 | $ 230,000 | $ 115,000 | $ 100,000 |
| Brantley County Georgia | 2 | $ 153,000 | $ 76,000 | $ 69,000 |
| DeKalb County Georgia | 2 | $ 135,000 | $ 67,000 | $ 65,000 |
| Haralson County Georgia | 2 | $ 523,000 | $ 261,000 | $ 88,000 |
| Paulding County Georgia | 2 | $ 84,000 | $ 42,000 | $ 31,000 |
| Clinton County Illinois | 2 | $ 276,000 | $ 138,000 | $ 22,000 |
| Macoupin County Illinois | 2 | $ 152,000 | $ 76,000 | $ 93,000 |
| McHenry County Illinois | 2 | $ 347,000 | $ 173,000 | $ 83,000 |
| Hamilton County Indiana | 2 | $ 436,000 | $ 218,000 | $ 18,000 |
| Putnam County Indiana | 2 | $ 144,000 | $ 72,000 | $ 85,000 |
| East Baton Rouge County Louisiana | 2 | $ 195,000 | $ 97,000 | $ 42,000 |
| Butler County Missouri | 2 | $ 176,000 | $ 88,000 | $ 136,000 |
| Jackson County Missouri | 2 | $ 179,000 | $ 89,000 | $ 214,000 |
| Madison County Missouri | 2 | $ 65,000 | $ 32,000 | $ 78,000 |
| Perry County Missouri | 2 | $ 483,000 | $ 241,000 | $ 116,000 |
| Stone County Missouri | 2 | $ 200,000 | $ 100,000 | $ 68,000 |
| Washington County Missouri | 2 | $ 215,000 | $ 107,000 | $ 144,000 |
| Belknap County New Hampshire | 2 | $ 285,000 | $ 142,000 | $ 103,000 |
| Merrimack County New Hampshire | 2 | $ 174,000 | $ 87,000 | $ 86,000 |
| Durham County North Carolina | 2 | $ 172,000 | $ 86,000 | $ 61,000 |
| Cuyahoga County Ohio | 2 | $ 84,000 | $ 42,000 | $ 66,000 |
| Licking County Ohio | 2 | $ 354,000 | $ 177,000 | $ 81,000 |
| Morrow County Ohio | 2 | $ 290,000 | $ 145,000 | $ 43,000 |
| Montgomery County Pennsylvania | 2 | $ 564,000 | $ 282,000 | $ 125,000 |
| Beaufort County South Carolina | 2 | $ 834,000 | $ 417,000 | $ 93,000 |
| Travis County Texas | 2 | $ 205,000 | $ 102,000 | $ 121,000 |
| Hampton County Virginia | 2 | $ 203,000 | $ 101,000 | $ 57,000 |
| Henry County Alabama | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Garland County Arkansas | 1 | $ 291,000 | $ 291,000 | $ 133,000 |
| Lawrence County Arkansas | 1 | $ 30,000 | $ 30,000 | $ 78,000 |
| Contra Costa County California | 1 | $ 39,000 | $ 39,000 | $ 86,000 |
| Monterey County California | 1 | $ 449,000 | $ 449,000 | $ 142,000 |
| Sacramento County California | 1 | $ 97,000 | $ 97,000 | $ 34,000 |
| San Mateo County California | 1 | $ 568,000 | $ 568,000 | $ 95,000 |
| Santa Clara County California | 1 | $ 392,000 | $ 392,000 | $ 106,000 |
| Stanislaus County California | 1 | $ 180,000 | $ 180,000 | $ 65,000 |
| Adams County Colorado | 1 | $ 339,000 | $ 339,000 | $ 104,000 |
| Denver County Colorado | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Fremont County Colorado | 1 | $ 62,000 | $ 62,000 | $ 79,000 |
| Jefferson County Colorado | 1 | $ 585,000 | $ 585,000 | $ 167,000 |
| New Castle County Delaware | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| District of Columbia County District Of Columbia | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Bay County Florida | 1 | $ 84,000 | $ 84,000 | $ 106,000 |
| Manatee County Florida | 1 | $ 98,000 | $ 98,000 | $ 58,000 |
| Marion County Florida | 1 | $ 40,000 | $ 40,000 | $ 88,000 |
| Okaloosa County Florida | 1 | $ 319,000 | $ 319,000 | $ 133,000 |
| Santa Rosa County Florida | 1 | $ 48,000 | $ 48,000 | $ 93,000 |
| Sarasota County Florida | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Volusia County Florida | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Walton County Florida | 1 | $ 58,000 | $ 58,000 | $ 63,000 |
| Washington County Florida | 1 | $ 108,000 | $ 108,000 | $ 100,000 |
| Camden County Georgia | 1 | $ 116,000 | $ 116,000 | $ 87,000 |
| Clayton County Georgia | 1 | $ 145,000 | $ 145,000 | $ 145,000 |
| Coweta County Georgia | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Effingham County Georgia | 1 | $ 202,000 | $ 202,000 | $ 74,000 |
| Glynn County Georgia | 1 | $ 166,000 | $ 166,000 | $ 81,000 |
| Henry County Georgia | 1 | $ 94,000 | $ 94,000 | $ 43,000 |
| Polk County Georgia | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Richmond County Georgia | 1 | $ 76,000 | $ 76,000 | $ 91,000 |
| Bond County Illinois | 1 | $ 23,000 | $ 23,000 | $ 56,000 |
| Calhoun County Illinois | 1 | $ 106,000 | $ 106,000 | $ 69,000 |
| Champaign County Illinois | 1 | $ 110,000 | $ 110,000 | $ 30,000 |
| Coles County Illinois | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Effingham County Illinois | 1 | $ 206,000 | $ 206,000 | $ 140,000 |
| Shelby County Illinois | 1 | $ 81,000 | $ 81,000 | $ 81,000 |
| Hendricks County Indiana | 1 | $ 119,000 | $ 119,000 | $ 57,000 |
| Marion County Indiana | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Story County Iowa | 1 | $ 104,000 | $ 104,000 | $ 141,000 |
| Douglas County Kansas | 1 | $ 58,000 | $ 58,000 | $ 57,000 |
| Sedgwick County Kansas | 1 | $ 88,000 | $ 88,000 | $ 49,000 |
| Graves County Kentucky | 1 | $ 17,000 | $ 17,000 | $ 96,000 |
| Livingston County Louisiana | 1 | $ 150,000 | $ 150,000 | $ 51,000 |
| Cumberland County Maine | 1 | $ 207,000 | $ 207,000 | $ 78,000 |
| Anne Arundel County Maryland | 1 | $ 275,000 | $ 275,000 | $ 96,000 |
| Charles County Maryland | 1 | $ 266,000 | $ 266,000 | $ 68,000 |
| Harford County Maryland | 1 | $ 417,000 | $ 417,000 | $ 110,000 |
| Essex County Massachusetts | 1 | $ 273,000 | $ 273,000 | $ 94,000 |
| Suffolk County Massachusetts | 1 | $ 474,000 | $ 474,000 | $ 207,000 |
| Hennepin County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 220,000 |
| Hancock County Mississippi | 1 | $ 140,000 | $ 140,000 | $ 120,000 |
| Jackson County Mississippi | 1 | $ 97,000 | $ 97,000 | $ 81,000 |
| Audrain County Missouri | 1 | $ 34,000 | $ 34,000 | $ 220,000 |
| Callaway County Missouri | 1 | $ 32,000 | $ 32,000 | $ 112,000 |
| Clay County Missouri | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| Crawford County Missouri | 1 | $ 280,000 | $ 280,000 | $ 71,000 |
| Dent County Missouri | 1 | $ 256,000 | $ 256,000 | $ 56,000 |
| Greene County Missouri | 1 | $ 102,000 | $ 102,000 | $ 72,000 |
| Lawrence County Missouri | 1 | $ 61,000 | $ 61,000 | $ 85,000 |
| Phelps County Missouri | 1 | $ 140,000 | $ 140,000 | $ 89,000 |
| Randolph County Missouri | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Stoddard County Missouri | 1 | $ 86,000 | $ 86,000 | $ 1,032,000 |
| Taney County Missouri | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Hall County Nebraska | 1 | $ 161,000 | $ 161,000 | $ 97,000 |
| Cheshire County New Hampshire | 1 | $ 188,000 | $ 188,000 | $ 36,000 |
| Rockingham County New Hampshire | 1 | $ 171,000 | $ 171,000 | $ 60,000 |
| Sullivan County New Hampshire | 1 | $ 260,000 | $ 260,000 | $ 263,000 |
| Warren County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Hamilton County New York | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Montgomery County New York | 1 | $ 145,000 | $ 145,000 | $ 126,000 |
| Orange County New York | 1 | $ 663,000 | $ 663,000 | $ 345,000 |
| Queens County New York | 1 | $ 360,000 | $ 360,000 | $ 121,000 |
| Saratoga County New York | 1 | $ 248,000 | $ 248,000 | $ 107,000 |
| Ulster County New York | 1 | $ 230,000 | $ 230,000 | $ 124,000 |
| Cumberland County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 83,000 |
| Mecklenburg County North Carolina | 1 | $ 525,000 | $ 525,000 | $ 384,000 |
| Wake County North Carolina | 1 | $ 262,000 | $ 262,000 | $ 93,000 |
| Madison County Ohio | 1 | $ 136,000 | $ 136,000 | $ 85,000 |
| Montgomery County Ohio | 1 | $ 19,000 | $ 19,000 | $ 83,000 |
| Muskingum County Ohio | 1 | $ 60,000 | $ 60,000 | $ 47,000 |
| Portage County Ohio | 1 | $ 417,000 | $ 417,000 | $ 142,000 |
| Noble County Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Rogers County Oklahoma | 1 | $ 154,000 | $ 154,000 | $ 62,000 |
| Wagoner County Oklahoma | 1 | $ 160,000 | $ 160,000 | $ 101,000 |
| Centre County Pennsylvania | 1 | $ 117,000 | $ 117,000 | $ 148,000 |
| Clearfield County Pennsylvania | 1 | $ 56,000 | $ 56,000 | $ 111,000 |
| Charleston County South Carolina | 1 | $ 138,000 | $ 138,000 | $ 159,000 |
| Georgetown County South Carolina | 1 | $ 230,000 | $ 230,000 | $ 61,000 |
| Greenville County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 43,000 |
| Horry County South Carolina | 1 | $ 90,000 | $ 90,000 | $ 158,000 |
| Lancaster County South Carolina | 1 | $ 148,000 | $ 148,000 | $ 68,000 |
| Davidson County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 107,000 |
| Williamson County Tennessee | 1 | $ 199,000 | $ 199,000 | $ 58,000 |
| Cameron County Texas | 1 | $ 103,000 | $ 103,000 | $ 108,000 |
| Collin County Texas | 1 | $ 142,000 | $ 142,000 | $ 95,000 |
| Fayette County Texas | 1 | $ 263,000 | $ 263,000 | $ 87,000 |
| Galveston County Texas | 1 | $ 130,000 | $ 130,000 | $ 509,000 |
| Hidalgo County Texas | 1 | $ 20,000 | $ 20,000 | $ 57,000 |
| Red River County Texas | 1 | $ 19,000 | $ 19,000 | $ 41,000 |
| Walker County Texas | 1 | $ 103,000 | $ 103,000 | $ 132,000 |
| Waller County Texas | 1 | $ 293,000 | $ 293,000 | $ 109,000 |
| Summit County Utah | 1 | $ 216,000 | $ 216,000 | $ 216,000 |
| Rutland County Vermont | 1 | $ 39,000 | $ 39,000 | $ 46,000 |
| Washington County Vermont | 1 | $ 72,000 | $ 72,000 | $ 249,000 |
| Chesterfield County Virginia | 1 | $ 224,000 | $ 224,000 | $ 83,000 |
| Gloucester County Virginia | 1 | $ 127,000 | $ 127,000 | $ 70,000 |
| Powhatan County Virginia | 1 | $ 103,000 | $ 103,000 | $ 79,000 |
| Richmond City County Virginia | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Mason County Washington | 1 | $ 192,000 | $ 192,000 | $ 19,000 |
| Spokane County Washington | 1 | $ 186,000 | $ 186,000 | $ 40,000 |
| Marinette County Wisconsin | 1 | $ 417,000 | $ 417,000 | $ 350,000 |
| Outagamie County Wisconsin | 1 | $ 360,000 | $ 360,000 | $ 787,000 |
| Rock County Wisconsin | 1 | $ 46,000 | $ 46,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for Together Credit Union in 2009
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 | 1,502 | $219,326,000 | $146,000 | $800,000 | $86,000 | $1,032,000 |
| Home Purchase | 1,001 | $136,252,000 | $136,000 | $823,000 | $70,000 | $787,000 |
| Home Improvement | 132 | $4,760,000 | $36,000 | $200,000 | $86,000 | $1,203,000 |
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 | 2,111 | $296,743,000 | $140,000 | $823,000 | $83,000 | $1,203,000 |
| Black or African American | 272 | $29,190,000 | $107,000 | $523,000 | $60,000 | $202,000 |
| Hispanic | 144 | $18,700,000 | $129,000 | $392,000 | $74,000 | $391,000 |
| Not Provided | 57 | $7,527,000 | $132,000 | $568,000 | $75,000 | $360,000 |
| Asian | 34 | $5,886,000 | $173,000 | $663,000 | $102,000 | $470,000 |
| American Indian or Alaskan Native | 11 | $1,321,000 | $120,000 | $180,000 | $102,000 | $393,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $971,000 | $161,000 | $270,000 | $87,000 | $144,000 |
| 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) | 2,635 | $360,338,000 | $136,000 | $823,000 | $80,000 | $1,203,000 |
| 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 | 1,058 | $141,754,000 | $133,000 | $823,000 | $88,000 | $787,000 |
| Application Denied By Financial Institution | 690 | $86,521,000 | $125,000 | $681,000 | $67,000 | $391,000 |
| Application Withdrawn By Applicant | 540 | $77,308,000 | $143,000 | $663,000 | $87,000 | $1,203,000 |
| Application Approved But Not Accepted | 141 | $25,408,000 | $180,000 | $720,000 | $80,000 | $395,000 |
| File Closed For Incompleteness | 113 | $17,469,000 | $154,000 | $523,000 | $77,000 | $393,000 |
| Preapproval Denied by Financial Institution | 56 | $6,033,000 | $107,000 | $380,000 | $44,000 | $124,000 |
| Preapproval Approved but not Accepted | 37 | $5,845,000 | $157,000 | $400,000 | $65,000 | $144,000 |
| 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 | 391 | $41,982,000 | $107,000 | $417,000 | $65,000 | $391,000 |
| Debt-To-Income Ratio | 94 | $12,803,000 | $136,000 | $568,000 | $48,000 | $149,000 |
| Mortgage Insurance Denied | 80 | $11,987,000 | $149,000 | $681,000 | $66,000 | $197,000 |
| Collateral | 76 | $10,968,000 | $144,000 | $439,000 | $83,000 | $222,000 |
| Credit Application Incomplete | 48 | $8,294,000 | $172,000 | $474,000 | $82,000 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 42 | $4,554,000 | $108,000 | $326,000 | $47,000 | $105,000 |
| Other | 9 | $1,231,000 | $136,000 | $240,000 | $82,000 | $144,000 |
| Employment History | 5 | $675,000 | $135,000 | $305,000 | $33,000 | $58,000 |
| Unverifiable Information | 1 | $60,000 | $60,000 | $60,000 | $30,000 | $30,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Together Credit Union's 2009 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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