Together Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Together Credit Union 2012 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 | 2,345 |
| Total Mortgage Loan Application Amount | $324,787,000 |
| Average Mortgage Loan Application Amount | $121,666 |
| Highest Mortgage Loan Application Amount | $1,720,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $974,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 791 | $ 107,865,000 | $ 136,000 | $ 86,000 |
| St. Louis City County Missouri | 247 | $ 26,332,000 | $ 106,000 | $ 67,000 |
| Jefferson County Missouri | 234 | $ 31,085,000 | $ 132,000 | $ 77,000 |
| St. Charles County Missouri | 182 | $ 26,238,000 | $ 144,000 | $ 83,000 |
| Los Angeles County California | 48 | $ 10,957,000 | $ 228,000 | $ 88,000 |
| Harris County Texas | 48 | $ 5,609,000 | $ 116,000 | $ 86,000 |
| Hillsborough County Florida | 36 | $ 4,048,000 | $ 112,000 | $ 56,000 |
| Orange County Florida | 33 | $ 4,594,000 | $ 139,000 | $ 75,000 |
| Onondaga County New York | 30 | $ 3,165,000 | $ 105,000 | $ 82,000 |
| St. Clair County Illinois | 29 | $ 3,775,000 | $ 130,000 | $ 98,000 |
| Franklin County Ohio | 25 | $ 2,833,000 | $ 113,000 | $ 71,000 |
| Madison County Illinois | 24 | $ 2,211,000 | $ 92,000 | $ 73,000 |
| Bexar County Texas | 21 | $ 2,843,000 | $ 135,000 | $ 77,000 |
| Bartow County Georgia | 20 | $ 2,582,000 | $ 129,000 | $ 79,000 |
| Dallas County Texas | 17 | $ 2,865,000 | $ 168,000 | $ 88,000 |
| Monroe County Illinois | 16 | $ 2,382,000 | $ 148,000 | $ 104,000 |
| Lamar County Texas | 16 | $ 1,702,000 | $ 106,000 | $ 76,000 |
| Franklin County Missouri | 15 | $ 1,889,000 | $ 125,000 | $ 77,000 |
| Solano County California | 14 | $ 2,584,000 | $ 184,000 | $ 101,000 |
| Larimer County Colorado | 14 | $ 1,670,000 | $ 119,000 | $ 69,000 |
| James City County Virginia | 14 | $ 2,716,000 | $ 194,000 | $ 94,000 |
| Camden County Missouri | 13 | $ 2,414,000 | $ 185,000 | $ 161,000 |
| Hillsborough County New Hampshire | 13 | $ 2,557,000 | $ 196,000 | $ 109,000 |
| Osceola County Florida | 11 | $ 1,313,000 | $ 119,000 | $ 73,000 |
| Lincoln County Missouri | 11 | $ 1,589,000 | $ 144,000 | $ 72,000 |
| Delaware County Ohio | 10 | $ 1,573,000 | $ 157,000 | $ 86,000 |
| Pasco County Florida | 9 | $ 1,210,000 | $ 134,000 | $ 80,000 |
| Tarrant County Texas | 9 | $ 1,242,000 | $ 138,000 | $ 104,000 |
| Riverside County California | 8 | $ 1,385,000 | $ 173,000 | $ 84,000 |
| Warren County Missouri | 8 | $ 1,015,000 | $ 126,000 | $ 73,000 |
| Maricopa County Arizona | 7 | $ 1,180,000 | $ 168,000 | $ 75,000 |
| Montgomery County Texas | 7 | $ 918,000 | $ 131,000 | $ 112,000 |
| Newport News County Virginia | 7 | $ 1,204,000 | $ 172,000 | $ 82,000 |
| Weld County Colorado | 6 | $ 988,000 | $ 164,000 | $ 75,000 |
| St. Francois County Missouri | 6 | $ 853,000 | $ 142,000 | $ 81,000 |
| Essex County New Jersey | 6 | $ 1,127,000 | $ 187,000 | $ 114,000 |
| York County Virginia | 6 | $ 1,346,000 | $ 224,000 | $ 76,000 |
| San Diego County California | 5 | $ 779,000 | $ 155,000 | $ 71,000 |
| Broward County Florida | 5 | $ 546,000 | $ 109,000 | $ 90,000 |
| Duval County Florida | 5 | $ 966,000 | $ 193,000 | $ 101,000 |
| Pinellas County Florida | 5 | $ 974,000 | $ 194,000 | $ 97,000 |
| Cobb County Georgia | 5 | $ 717,000 | $ 143,000 | $ 95,000 |
| Floyd County Georgia | 5 | $ 635,000 | $ 127,000 | $ 87,000 |
| Middlesex County New Jersey | 5 | $ 474,000 | $ 94,000 | $ 85,000 |
| Oswego County New York | 5 | $ 676,000 | $ 135,000 | $ 124,000 |
| Oklahoma County Oklahoma | 5 | $ 807,000 | $ 161,000 | $ 84,000 |
| Cook County Illinois | 4 | $ 1,006,000 | $ 251,000 | $ 138,000 |
| Ocean County New Jersey | 4 | $ 505,000 | $ 126,000 | $ 119,000 |
| Collin County Texas | 4 | $ 904,000 | $ 226,000 | $ 152,000 |
| Denton County Texas | 4 | $ 846,000 | $ 211,000 | $ 102,000 |
| Fort Bend County Texas | 4 | $ 313,000 | $ 78,000 | $ 63,000 |
| Contra Costa County California | 3 | $ 916,000 | $ 305,000 | $ 149,000 |
| San Bernardino County California | 3 | $ 246,000 | $ 82,000 | $ 54,000 |
| Brevard County Florida | 3 | $ 269,000 | $ 89,000 | $ 179,000 |
| Palm Beach County Florida | 3 | $ 498,000 | $ 166,000 | $ 102,000 |
| Seminole County Florida | 3 | $ 591,000 | $ 197,000 | $ 100,000 |
| St. Johns County Florida | 3 | $ 783,000 | $ 261,000 | $ 123,000 |
| Gilmer County Georgia | 3 | $ 319,000 | $ 106,000 | $ 79,000 |
| DuPage County Illinois | 3 | $ 672,000 | $ 224,000 | $ 176,000 |
| Crawford County Missouri | 3 | $ 669,000 | $ 223,000 | $ 59,000 |
| Greene County Missouri | 3 | $ 416,000 | $ 138,000 | $ 104,000 |
| Ste. Genevieve County Missouri | 3 | $ 524,000 | $ 174,000 | $ 44,000 |
| Clark County Nevada | 3 | $ 191,000 | $ 63,000 | $ 57,000 |
| Rockingham County New Hampshire | 3 | $ 533,000 | $ 177,000 | $ 89,000 |
| Cayuga County New York | 3 | $ 204,000 | $ 68,000 | $ 102,000 |
| Licking County Ohio | 3 | $ 342,000 | $ 114,000 | $ 82,000 |
| Madison County Ohio | 3 | $ 300,000 | $ 100,000 | $ 72,000 |
| Canadian County Oklahoma | 3 | $ 338,000 | $ 112,000 | $ 80,000 |
| Chester County Pennsylvania | 3 | $ 1,051,000 | $ 350,000 | $ 106,000 |
| Williamson County Tennessee | 3 | $ 344,000 | $ 114,000 | $ 52,000 |
| Brazoria County Texas | 3 | $ 311,000 | $ 103,000 | $ 108,000 |
| Chambers County Texas | 3 | $ 339,000 | $ 113,000 | $ 91,000 |
| Napa County California | 2 | $ 503,000 | $ 251,000 | $ 99,000 |
| Orange County California | 2 | $ 439,000 | $ 219,000 | $ 67,000 |
| Shasta County California | 2 | $ 319,000 | $ 159,000 | $ 120,000 |
| El Paso County Colorado | 2 | $ 55,000 | $ 27,000 | $ 75,000 |
| Citrus County Florida | 2 | $ 261,000 | $ 130,000 | $ 64,000 |
| Collier County Florida | 2 | $ 135,000 | $ 67,000 | $ 88,000 |
| Polk County Florida | 2 | $ 375,000 | $ 187,000 | $ 120,000 |
| St. Lucie County Florida | 2 | $ 120,000 | $ 60,000 | $ 95,000 |
| DeKalb County Georgia | 2 | $ 434,000 | $ 217,000 | $ 54,000 |
| Gordon County Georgia | 2 | $ 200,000 | $ 100,000 | $ 67,000 |
| Polk County Georgia | 2 | $ 161,000 | $ 80,000 | $ 71,000 |
| Bond County Illinois | 2 | $ 338,000 | $ 169,000 | $ 129,000 |
| Clinton County Illinois | 2 | $ 336,000 | $ 168,000 | $ 139,000 |
| Orleans County Louisiana | 2 | $ 136,000 | $ 68,000 | $ 92,000 |
| Montgomery County Mississippi | 2 | $ 177,000 | $ 88,000 | $ 105,000 |
| Dent County Missouri | 2 | $ 343,000 | $ 171,000 | $ 45,000 |
| Jackson County Missouri | 2 | $ 307,000 | $ 153,000 | $ 95,000 |
| Montgomery County Missouri | 2 | $ 353,000 | $ 176,000 | $ 41,000 |
| Washington County Missouri | 2 | $ 84,000 | $ 42,000 | $ 25,000 |
| Bergen County New Jersey | 2 | $ 407,000 | $ 203,000 | $ 85,000 |
| Hunterdon County New Jersey | 2 | $ 177,000 | $ 88,000 | $ 31,000 |
| Morris County New Jersey | 2 | $ 676,000 | $ 338,000 | $ 117,000 |
| Union County New Jersey | 2 | $ 493,000 | $ 246,000 | $ 66,000 |
| Orange County New York | 2 | $ 377,000 | $ 188,000 | $ 115,000 |
| Buncombe County North Carolina | 2 | $ 132,000 | $ 66,000 | $ 26,000 |
| Wake County North Carolina | 2 | $ 466,000 | $ 233,000 | $ 95,000 |
| Fairfield County Ohio | 2 | $ 204,000 | $ 102,000 | $ 68,000 |
| Lake County Ohio | 2 | $ 151,000 | $ 75,000 | $ 33,000 |
| Morrow County Ohio | 2 | $ 257,000 | $ 128,000 | $ 60,000 |
| Cleveland County Oklahoma | 2 | $ 261,000 | $ 130,000 | $ 114,000 |
| Ellis County Texas | 2 | $ 436,000 | $ 218,000 | $ 115,000 |
| Guadalupe County Texas | 2 | $ 288,000 | $ 144,000 | $ 99,000 |
| Gloucester County Virginia | 2 | $ 272,000 | $ 136,000 | $ 47,000 |
| Hampton County Virginia | 2 | $ 240,000 | $ 120,000 | $ 115,000 |
| DeKalb County Alabama | 1 | $ 120,000 | $ 120,000 | $ 99,000 |
| Shelby County Alabama | 1 | $ 374,000 | $ 374,000 | $ 115,000 |
| Cochise County Arizona | 1 | $ 274,000 | $ 274,000 | $ 110,000 |
| Pima County Arizona | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
| Yavapai County Arizona | 1 | $ 94,000 | $ 94,000 | $ 38,000 |
| Baxter County Arkansas | 1 | $ 119,000 | $ 119,000 | $ 101,000 |
| Benton County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Craighead County Arkansas | 1 | $ 82,000 | $ 82,000 | $ 72,000 |
| Greene County Arkansas | 1 | $ 59,000 | $ 59,000 | $ 38,000 |
| Calaveras County California | 1 | $ 153,000 | $ 153,000 | $ 127,000 |
| Mariposa County California | 1 | $ 185,000 | $ 185,000 | $ 141,000 |
| Placer County California | 1 | $ 339,000 | $ 339,000 | $ 190,000 |
| Santa Clara County California | 1 | $ 588,000 | $ 588,000 | $ 145,000 |
| Stanislaus County California | 1 | $ 80,000 | $ 80,000 | $ 47,000 |
| Arapahoe County Colorado | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 30,000 | $ 30,000 | $ 73,000 |
| Eagle County Colorado | 1 | $ 170,000 | $ 170,000 | $ 68,000 |
| Grand County Colorado | 1 | $ 65,000 | $ 65,000 | $ 164,000 |
| La Plata County Colorado | 1 | $ 417,000 | $ 417,000 | $ 156,000 |
| Morgan County Colorado | 1 | $ 45,000 | $ 45,000 | $ 107,000 |
| Park County Colorado | 1 | $ 289,000 | $ 289,000 | $ 103,000 |
| Pitkin County Colorado | 1 | $ 360,000 | $ 360,000 | $ 94,000 |
| Hartford County Connecticut | 1 | $ 199,000 | $ 199,000 | $ 60,000 |
| Middlesex County Connecticut | 1 | $ 135,000 | $ 135,000 | $ 146,000 |
| Baker County Florida | 1 | $ 229,000 | $ 229,000 | $ 98,000 |
| Holmes County Florida | 1 | $ 51,000 | $ 51,000 | $ 59,000 |
| Lee County Florida | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Leon County Florida | 1 | $ 180,000 | $ 180,000 | $ 41,000 |
| Levy County Florida | 1 | $ 280,000 | $ 280,000 | $ 162,000 |
| Manatee County Florida | 1 | $ 92,000 | $ 92,000 | $ 64,000 |
| Martin County Florida | 1 | $ 110,000 | $ 110,000 | $ 71,000 |
| Nassau County Florida | 1 | $ 140,000 | $ 140,000 | $ 63,000 |
| Sarasota County Florida | 1 | $ 93,000 | $ 93,000 | $ 94,000 |
| Volusia County Florida | 1 | $ 40,000 | $ 40,000 | $ 57,000 |
| Walton County Florida | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Cherokee County Georgia | 1 | $ 77,000 | $ 77,000 | $ 77,000 |
| Fayette County Georgia | 1 | $ 174,000 | $ 174,000 | $ 83,000 |
| Haralson County Georgia | 1 | $ 545,000 | $ 545,000 | $ 90,000 |
| Harris County Georgia | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Paulding County Georgia | 1 | $ 72,000 | $ 72,000 | $ 57,000 |
| Putnam County Georgia | 1 | $ 193,000 | $ 193,000 | $ 53,000 |
| Spalding County Georgia | 1 | $ 90,000 | $ 90,000 | $ 93,000 |
| Whitfield County Georgia | 1 | $ 117,000 | $ 117,000 | $ 106,000 |
| Bonneville County Idaho | 1 | $ 140,000 | $ 140,000 | $ 64,000 |
| Clearwater County Idaho | 1 | $ 83,000 | $ 83,000 | $ 83,000 |
| Fayette County Illinois | 1 | $ 181,000 | $ 181,000 | $ 80,000 |
| Jasper County Illinois | 1 | $ 111,000 | $ 111,000 | $ 107,000 |
| Jersey County Illinois | 1 | $ 22,000 | $ 22,000 | $ 48,000 |
| Kane County Illinois | 1 | $ 230,000 | $ 230,000 | $ 110,000 |
| McLean County Illinois | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Peoria County Illinois | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Randolph County Illinois | 1 | $ 330,000 | $ 330,000 | $ 92,000 |
| Union County Illinois | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Washington County Illinois | 1 | $ 48,000 | $ 48,000 | $ 50,000 |
| Marion County Indiana | 1 | $ 152,000 | $ 152,000 | $ 82,000 |
| Monroe County Indiana | 1 | $ 45,000 | $ 45,000 | $ 137,000 |
| Vanderburgh County Indiana | 1 | $ 211,000 | $ 211,000 | $ 111,000 |
| Johnson County Kansas | 1 | $ 417,000 | $ 417,000 | $ 128,000 |
| Graves County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 116,000 |
| Owen County Kentucky | 1 | $ 518,000 | $ 518,000 | $ 169,000 |
| Essex County Massachusetts | 1 | $ 308,000 | $ 308,000 | $ 82,000 |
| Kalamazoo County Michigan | 1 | $ 75,000 | $ 75,000 | $ 91,000 |
| Carver County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 110,000 |
| Hinds County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 35,000 |
| Bollinger County Missouri | 1 | $ 89,000 | $ 89,000 | $ 35,000 |
| Lawrence County Missouri | 1 | $ 117,000 | $ 117,000 | $ 94,000 |
| Madison County Missouri | 1 | $ 37,000 | $ 37,000 | $ 61,000 |
| Ozark County Missouri | 1 | $ 47,000 | $ 47,000 | $ 93,000 |
| Perry County Missouri | 1 | $ 281,000 | $ 281,000 | $ 97,000 |
| Stone County Missouri | 1 | $ 218,000 | $ 218,000 | $ 78,000 |
| Cascade County Montana | 1 | $ 109,000 | $ 109,000 | $ 58,000 |
| Lancaster County Nebraska | 1 | $ 124,000 | $ 124,000 | $ 47,000 |
| Hudson County New Jersey | 1 | $ 283,000 | $ 283,000 | $ 92,000 |
| Mercer County New Jersey | 1 | $ 284,000 | $ 284,000 | $ 120,000 |
| Passaic County New Jersey | 1 | $ 115,000 | $ 115,000 | $ 86,000 |
| Bernalillo County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Bronx County New York | 1 | $ 405,000 | $ 405,000 | $ 155,000 |
| Chautauqua County New York | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Erie County New York | 1 | $ 153,000 | $ 153,000 | $ 87,000 |
| New York County New York | 1 | $ 608,000 | $ 608,000 | $ 205,000 |
| Oneida County New York | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Rockland County New York | 1 | $ 370,000 | $ 370,000 | $ 77,000 |
| Seneca County New York | 1 | $ 143,000 | $ 143,000 | $ 337,000 |
| Wayne County New York | 1 | $ 82,000 | $ 82,000 | $ 60,000 |
| Westchester County New York | 1 | $ 100,000 | $ 100,000 | $ 58,000 |
| Chatham County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 75,000 |
| Dare County North Carolina | 1 | $ 264,000 | $ 264,000 | $ 80,000 |
| Haywood County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 49,000 |
| Transylvania County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 25,000 |
| Knox County Ohio | 1 | $ 244,000 | $ 244,000 | $ 167,000 |
| Mercer County Ohio | 1 | $ 80,000 | $ 80,000 | $ 9,000 |
| Pickaway County Ohio | 1 | $ 132,000 | $ 132,000 | $ 56,000 |
| Portage County Ohio | 1 | $ 48,000 | $ 48,000 | $ 13,000 |
| Ross County Ohio | 1 | $ 185,000 | $ 185,000 | $ 35,000 |
| Pottawatomie County Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 42,000 |
| Tulsa County Oklahoma | 1 | $ 216,000 | $ 216,000 | $ 115,000 |
| Wagoner County Oklahoma | 1 | $ 126,000 | $ 126,000 | $ 110,000 |
| Allegheny County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 80,000 |
| Centre County Pennsylvania | 1 | $ 424,000 | $ 424,000 | $ 184,000 |
| Lehigh County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 148,000 |
| Montgomery County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Dorchester County South Carolina | 1 | $ 168,000 | $ 168,000 | $ 44,000 |
| Georgetown County South Carolina | 1 | $ 222,000 | $ 222,000 | $ 65,000 |
| Horry County South Carolina | 1 | $ 121,000 | $ 121,000 | $ 103,000 |
| Cumberland County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Gibson County Tennessee | 1 | $ 42,000 | $ 42,000 | $ 54,000 |
| Bandera County Texas | 1 | $ 155,000 | $ 155,000 | $ 9,000 |
| Galveston County Texas | 1 | $ 177,000 | $ 177,000 | $ 65,000 |
| Gregg County Texas | 1 | $ 58,000 | $ 58,000 | $ 48,000 |
| Kendall County Texas | 1 | $ 182,000 | $ 182,000 | $ 52,000 |
| Polk County Texas | 1 | $ 76,000 | $ 76,000 | $ 70,000 |
| Rains County Texas | 1 | $ 17,000 | $ 17,000 | $ 101,000 |
| Red River County Texas | 1 | $ 39,000 | $ 39,000 | $ 60,000 |
| San Jacinto County Texas | 1 | $ 115,000 | $ 115,000 | $ 83,000 |
| Victoria County Texas | 1 | $ 37,000 | $ 37,000 | $ 44,000 |
| Waller County Texas | 1 | $ 65,000 | $ 65,000 | $ 189,000 |
| Wharton County Texas | 1 | $ 93,000 | $ 93,000 | $ 34,000 |
| Kane County Utah | 1 | $ 56,000 | $ 56,000 | $ 111,000 |
| Albemarle County Virginia | 1 | $ 417,000 | $ 417,000 | $ 70,000 |
| New Kent County Virginia | 1 | $ 220,000 | $ 220,000 | $ 58,000 |
| Richmond City County Virginia | 1 | $ 190,000 | $ 190,000 | $ 80,000 |
| Suffolk County Virginia | 1 | $ 186,000 | $ 186,000 | $ 120,000 |
| Virginia Beach County Virginia | 1 | $ 120,000 | $ 120,000 | $ 52,000 |
| Williamsburg County Virginia | 1 | $ 51,000 | $ 51,000 | $ 166,000 |
| Marion County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 94,000 |
| Waukesha County Wisconsin | 1 | $ 212,000 | $ 212,000 | $ 104,000 |
| Laramie County Wyoming | 1 | $ 308,000 | $ 308,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for Together Credit Union in 2012
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 | 1,757 | $250,216,000 | $142,000 | $770,000 | $83,000 | $357,000 |
| Home Purchase | 395 | $61,626,000 | $156,000 | $1,720,000 | $84,000 | $974,000 |
| Home Improvement | 193 | $12,945,000 | $67,000 | $405,000 | $78,000 | $337,000 |
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 | 1,785 | $246,747,000 | $138,000 | $995,000 | $83,000 | $455,000 |
| Not Provided | 252 | $36,903,000 | $146,000 | $1,720,000 | $98,000 | $974,000 |
| Black or African American | 155 | $17,093,000 | $110,000 | $417,000 | $69,000 | $229,000 |
| Hispanic | 111 | $17,578,000 | $158,000 | $426,000 | $73,000 | $207,000 |
| Asian | 23 | $3,606,000 | $156,000 | $354,000 | $85,000 | $175,000 |
| American Indian or Alaskan Native | 13 | $1,737,000 | $133,000 | $351,000 | $81,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,123,000 | $187,000 | $288,000 | $100,000 | $154,000 |
| 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) | 2,345 | $324,787,000 | $138,000 | $1,720,000 | $83,000 | $974,000 |
| 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 | 1,304 | $182,850,000 | $140,000 | $720,000 | $87,000 | $455,000 |
| Application Denied By Financial Institution | 648 | $85,590,000 | $132,000 | $720,000 | $74,000 | $289,000 |
| Application Withdrawn By Applicant | 391 | $55,606,000 | $142,000 | $1,720,000 | $85,000 | $974,000 |
| File Closed For Incompleteness | 2 | $741,000 | $370,000 | $545,000 | $81,000 | $90,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 2012 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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