Together Credit Union Mortgage Lending & HMDA Data, 2013

In 2013, Together Credit Union of 423 Lynch Street, MO reported 1,704 mortgage applications totaling $227.8 million, down 27% from 2012. The average application was for $133,662, and applicants reported an average income of $84,282. 52% of its applications resulted in an originated loan and 33% were denied. Its largest markets were St. Louis, MO-IL (1,104), Houston-Sugar Land-Baytown, TX (62) and Tampa-St. Petersburg-Clearwater, FL (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 1,704
Total Mortgage Loan Application Amount $227,761,000
Average Mortgage Loan Application Amount $133,662
Highest Mortgage Loan Application Amount $1,781,000
Average Applicant Income $84,282
Highest Applicant Income $656,000

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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

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 604 $ 78,645,000 $ 130,206 $ 86,000
St. Louis City, Missouri 178 $ 16,972,000 $ 95,348 $ 67,000
Jefferson, Missouri 147 $ 17,324,000 $ 117,850 $ 72,000
St. Charles, Missouri 112 $ 16,004,000 $ 142,892 $ 92,000
Harris, Texas 44 $ 5,010,000 $ 113,863 $ 83,000
Onondaga, New York 33 $ 3,402,000 $ 103,090 $ 91,000
Los Angeles, California 28 $ 6,456,000 $ 230,571 $ 85,000
Bexar, Texas 27 $ 3,544,000 $ 131,259 $ 75,000
Dallas, Texas 25 $ 3,024,000 $ 120,960 $ 73,000
Hillsborough, Florida 23 $ 2,921,000 $ 127,000 $ 69,000
Madison, Illinois 20 $ 2,318,000 $ 115,900 $ 92,000
St. Clair, Illinois 20 $ 2,512,000 $ 125,600 $ 88,000
James City, Virginia 19 $ 2,453,000 $ 129,105 $ 65,000
Franklin, Ohio 18 $ 1,687,000 $ 93,722 $ 74,000
Orange, Florida 17 $ 3,942,000 $ 231,882 $ 108,000
Franklin, Missouri 14 $ 1,645,000 $ 117,500 $ 111,000
Pasco, Florida 12 $ 1,940,000 $ 161,666 $ 87,000
Hillsborough, New Hampshire 12 $ 1,373,000 $ 114,416 $ 73,000
Delaware, Ohio 11 $ 1,639,000 $ 149,000 $ 81,000
Bartow, Georgia 10 $ 1,115,000 $ 111,500 $ 100,000
Solano, California 9 $ 2,147,000 $ 238,555 $ 86,000
Larimer, Colorado 9 $ 1,903,000 $ 211,444 $ 88,000
Camden, Missouri 9 $ 1,494,000 $ 166,000 $ 119,000
Montgomery, Texas 9 $ 1,744,000 $ 193,777 $ 95,000
San Diego, California 7 $ 2,187,000 $ 312,428 $ 124,000
Osceola, Florida 7 $ 1,115,000 $ 159,285 $ 88,000
Pinellas, Florida 7 $ 1,463,000 $ 209,000 $ 146,000
Lamar, Texas 7 $ 518,000 $ 74,000 $ 59,000
Maricopa, Arizona 6 $ 1,310,000 $ 218,333 $ 116,000
Brevard, Florida 6 $ 589,000 $ 98,166 $ 76,000
San Bernardino, California 5 $ 461,000 $ 92,200 $ 125,000
Lake, Florida 5 $ 774,000 $ 154,800 $ 113,000
Lee, Florida 5 $ 554,000 $ 110,800 $ 59,000
Nassau, Florida 5 $ 868,000 $ 173,600 $ 64,000
Monroe, Illinois 5 $ 903,000 $ 180,600 $ 102,000
St. Francois, Missouri 5 $ 378,000 $ 75,600 $ 71,000
Weld, Colorado 4 $ 440,000 $ 110,000 $ 74,000
Polk, Florida 4 $ 481,000 $ 120,250 $ 54,000
Oklahoma, Oklahoma 4 $ 540,000 $ 135,000 $ 92,000
Denton, Texas 4 $ 508,000 $ 127,000 $ 70,000
Fort Bend, Texas 4 $ 460,000 $ 115,000 $ 109,000
Tarrant, Texas 4 $ 608,000 $ 152,000 $ 138,000
Riverside, California 3 $ 569,000 $ 189,666 $ 72,000
San Joaquin, California 3 $ 461,000 $ 153,666 $ 75,000
Ventura, California 3 $ 728,000 $ 242,666 $ 146,000
Duval, Florida 3 $ 245,000 $ 81,666 $ 80,000
Cherokee, Georgia 3 $ 396,000 $ 132,000 $ 88,000
Floyd, Georgia 3 $ 435,000 $ 145,000 $ 68,000
Crawford, Missouri 3 $ 530,000 $ 176,666 $ 132,000
Greene, Missouri 3 $ 344,000 $ 114,666 $ 55,000
Morgan, Missouri 3 $ 314,000 $ 104,666 $ 106,000
Union, New Jersey 3 $ 577,000 $ 192,333 $ 83,000
Fairfield, Ohio 3 $ 383,000 $ 127,666 $ 82,000
Newport News, Virginia 3 $ 428,000 $ 142,666 $ 97,000
Pinal, Arizona 2 $ 249,000 $ 124,500 $ 66,000
Benton, Arkansas 2 $ 350,000 $ 175,000 $ 97,000
Orange, California 2 $ 672,000 $ 336,000 $ 100,000
Arapahoe, Colorado 2 $ 235,000 $ 117,500 $ 87,000
Jefferson, Colorado 2 $ 305,000 $ 152,500 $ 134,000
Manatee, Florida 2 $ 403,000 $ 201,500 $ 95,000
Seminole, Florida 2 $ 212,000 $ 106,000 $ 58,000
Volusia, Florida 2 $ 144,000 $ 72,000 $ 107,000
Cobb, Georgia 2 $ 272,000 $ 136,000 $ 142,000
Fulton, Georgia 2 $ 78,000 $ 39,000 $ 43,000
Gordon, Georgia 2 $ 204,000 $ 102,000 $ 98,000
Polk, Georgia 2 $ 206,000 $ 103,000 $ 46,000
Adams, Illinois 2 $ 241,000 $ 120,500 $ 65,000
Marion, Illinois 2 $ 240,000 $ 120,000 $ 82,000
Johnson, Kansas 2 $ 350,000 $ 175,000 $ 152,000
East Baton Rouge, Louisiana 2 $ 200,000 $ 100,000 $ 68,000
Boone, Missouri 2 $ 170,000 $ 85,000 $ 43,000
Butler, Missouri 2 $ 199,000 $ 99,500 $ 35,000
Madison, Missouri 2 $ 254,000 $ 127,000 $ 108,000
Ste. Genevieve, Missouri 2 $ 144,000 $ 72,000 $ 37,000
Mercer, New Jersey 2 $ 586,000 $ 293,000 $ 131,000
Nassau, New York 2 $ 448,000 $ 224,000 $ 94,000
Queens, New York 2 $ 1,098,000 $ 549,000 $ 69,000
Montgomery, Ohio 2 $ 143,000 $ 71,500 $ 38,000
Tulsa, Oklahoma 2 $ 198,000 $ 99,000 $ 66,000
Northampton, Pennsylvania 2 $ 526,000 $ 263,000 $ 85,000
Anderson, Tennessee 2 $ 788,000 $ 394,000 $ 216,000
Shelby, Tennessee 2 $ 206,000 $ 103,000 $ 107,000
Collin, Texas 2 $ 247,000 $ 123,500 $ 71,000
Galveston, Texas 2 $ 333,000 $ 166,500 $ 57,000
New Kent, Virginia 2 $ 392,000 $ 196,000 $ 119,000
Poquoson, Virginia 2 $ 570,000 $ 285,000 $ 68,000
Waukesha, Wisconsin 2 $ 423,000 $ 211,500 $ 111,000
Cochise, Arizona 1 $ 50,000 $ 50,000 $ 110,000
Pima, Arizona 1 $ 100,000 $ 100,000 $ 48,000
Randolph, Arkansas 1 $ 73,000 $ 73,000 $ 149,000
Contra Costa, California 1 $ 169,000 $ 169,000 $ 37,000
Kern, California 1 $ 150,000 $ 150,000 $ 56,000
Yolo, California 1 $ 40,000 $ 40,000 $ 86,000
Adams, Colorado 1 $ 271,000 $ 271,000 $ 86,000
Summit, Colorado 1 $ 281,000 $ 281,000 $ 180,000
Hartford, Connecticut 1 $ 108,000 $ 108,000 $ 74,000
Charlotte, Florida 1 $ 214,000 $ 214,000 $ 178,000
Citrus, Florida 1 $ 114,000 $ 114,000 $ 60,000
Clay, Florida 1 $ 268,000 $ 268,000 $ 87,000
Collier, Florida 1 $ 60,000 $ 60,000 $ 124,000
Escambia, Florida 1 $ 98,000 $ 98,000 $ 145,000
Holmes, Florida 1 $ 58,000 $ 58,000 $ 59,000
St. Johns, Florida 1 $ 203,000 $ 203,000 $ 114,000
Suwannee, Florida 1 $ 115,000 $ 115,000 $ 60,000
Camden, Georgia 1 $ 85,000 $ 85,000 $ 52,000
Chatham, Georgia 1 $ 120,000 $ 120,000 $ 139,000
DeKalb, Georgia 1 $ 350,000 $ 350,000 $ 150,000
Forsyth, Georgia 1 $ 224,000 $ 224,000 $ 134,000
Gilmer, Georgia 1 $ 136,000 $ 136,000 $ 36,000
Greene, Georgia 1 $ 140,000 $ 140,000 $ 204,000
Gwinnett, Georgia 1 $ 280,000 $ 280,000 $ 60,000
Muscogee, Georgia 1 $ 165,000 $ 165,000 $ 56,000
Paulding, Georgia 1 $ 168,000 $ 168,000 $ 58,000
Whitfield, Georgia 1 $ 114,000 $ 114,000 $ 65,000
Cook, Illinois 1 $ 228,000 $ 228,000 $ 117,000
Jackson, Illinois 1 $ 255,000 $ 255,000 $ 115,000
Jersey, Illinois 1 $ 5,000 $ 5,000 $ 42,000
Kankakee, Illinois 1 $ 115,000 $ 115,000 $ 101,000
Macoupin, Illinois 1 $ 125,000 $ 125,000 $ 92,000
Perry, Illinois 1 $ 200,000 $ 200,000 $ 76,000
Union, Illinois 1 $ 46,000 $ 46,000 $ 42,000
Jefferson, Indiana 1 $ 61,000 $ 61,000 $ 35,000
Essex, Massachusetts 1 $ 295,000 $ 295,000 $ 78,000
Hennepin, Minnesota 1 $ 189,000 $ 189,000 $ 107,000
Nicollet, Minnesota 1 $ 264,000 $ 264,000 $ 90,000
Cape Girardeau, Missouri 1 $ 75,000 $ 75,000 $ 44,000
Christian, Missouri 1 $ 193,000 $ 193,000 $ 128,000
Gasconade, Missouri 1 $ 30,000 $ 30,000 $ 40,000
Jackson, Missouri 1 $ 129,000 $ 129,000 $ 81,000
Montgomery, Missouri 1 $ 40,000 $ 40,000 $ 161,000
Pike, Missouri 1 $ 40,000 $ 40,000 $ 130,000
Stone, Missouri 1 $ 293,000 $ 293,000 $ 94,000
Taney, Missouri 1 $ 186,000 $ 186,000 $ 125,000
Warren, Missouri 1 $ 367,000 $ 367,000 $ 134,000
Washington, Missouri 1 $ 51,000 $ 51,000 $ 46,000
Clark, Nevada 1 $ 157,000 $ 157,000 $ 59,000
Merrimack, New Hampshire 1 $ 161,000 $ 161,000 $ 105,000
Sullivan, New Hampshire 1 $ 248,000 $ 248,000 $ 151,000
Camden, New Jersey 1 $ 80,000 $ 80,000 $ 61,000
Essex, New Jersey 1 $ 176,000 $ 176,000 $ 170,000
Hunterdon, New Jersey 1 $ 68,000 $ 68,000 $ 151,000
Middlesex, New Jersey 1 $ 35,000 $ 35,000 $ 114,000
Ocean, New Jersey 1 $ 25,000 $ 25,000 $ 90,000
Santa Fe, New Mexico 1 $ 32,000 $ 32,000 $ 99,000
Cayuga, New York 1 $ 43,000 $ 43,000 $ 29,000
Jefferson, New York 1 $ 56,000 $ 56,000 $ 67,000
Kings, New York 1 $ 625,000 $ 625,000 $ 236,000
Oswego, New York 1 $ 75,000 $ 75,000 $ 67,000
Ulster, New York 1 $ 339,000 $ 339,000 $ 117,000
Guilford, North Carolina 1 $ 334,000 $ 334,000 $ 129,000
Union, North Carolina 1 $ 77,000 $ 77,000 $ 75,000
Wake, North Carolina 1 $ 30,000 $ 30,000 $ 106,000
Erie, Ohio 1 $ 163,000 $ 163,000 $ 103,000
Knox, Ohio 1 $ 141,000 $ 141,000 $ 104,000
Licking, Ohio 1 $ 85,000 $ 85,000 $ 20,000
Logan, Ohio 1 $ 180,000 $ 180,000 $ 98,000
Morrow, Ohio 1 $ 100,000 $ 100,000 $ 60,000
Pickaway, Ohio 1 $ 138,000 $ 138,000 $ 91,000
Wood, Ohio 1 $ 375,000 $ 375,000 $ 149,000
Multnomah, Oregon 1 $ 417,000 $ 417,000 $ 135,000
Charleston, South Carolina 1 $ 106,000 $ 106,000 $ 32,000
Davidson, Tennessee 1 $ 162,000 $ 162,000 $ 70,000
Loudon, Tennessee 1 $ 127,000 $ 127,000 $ 58,000
Bell, Texas 1 $ 158,000 $ 158,000 $ 42,000
Brazoria, Texas 1 $ 140,000 $ 140,000 $ 75,000
Chambers, Texas 1 $ 50,000 $ 50,000 $ 61,000
Fayette, Texas 1 $ 230,000 $ 230,000 $ 116,000
Guadalupe, Texas 1 $ 50,000 $ 50,000 $ 90,000
Kerr, Texas 1 $ 370,000 $ 370,000 $ 64,000
Liberty, Texas 1 $ 71,000 $ 71,000 $ 77,000
Medina, Texas 1 $ 57,000 $ 57,000 $ 46,000
San Patricio, Texas 1 $ 51,000 $ 51,000 $ 135,000
Travis, Texas 1 $ 255,000 $ 255,000 $ 92,000
Fluvanna, Virginia 1 $ 120,000 $ 120,000 $ 35,000
Henrico, Virginia 1 $ 212,000 $ 212,000 $ 71,000
Mathews, Virginia 1 $ 87,000 $ 87,000 $ 65,000
Roanoke, Virginia 1 $ 209,000 $ 209,000 $ 121,000
York, Virginia 1 $ 103,000 $ 103,000 $ 65,000
Clark, Washington 1 $ 351,000 $ 351,000 $ 205,000
King, Washington 1 $ 399,000 $ 399,000 $ 151,000
Kitsap, Washington 1 $ 300,000 $ 300,000 $ 94,000
Mason, Washington 1 $ 292,000 $ 292,000 $ 148,000
Taylor, West Virginia 1 $ 236,000 $ 236,000 $ 146,000
Dane, Wisconsin 1 $ 188,000 $ 188,000 $ 112,000
Juneau, Wisconsin 1 $ 69,000 $ 69,000 $ 24,000

Mortgage Loan Application Detail Totals for Together Credit Union in 2013

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 1,063 $137,913,000 $129,000 $1,035,000 $83,000 $353,000
Home Purchase 475 $76,985,000 $162,000 $1,781,000 $89,000 $656,000
Home Improvement 166 $12,863,000 $77,000 $365,000 $79,000 $218,000

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 1,213 $159,988,000 $131,000 $1,222,000 $84,000 $615,000
Not Provided 224 $32,864,000 $146,000 $1,781,000 $96,000 $656,000
Black or African American 133 $14,556,000 $109,000 $406,000 $68,000 $264,000
Hispanic 106 $15,699,000 $148,000 $750,000 $75,000 $360,000
Asian 19 $3,616,000 $190,000 $465,000 $101,000 $285,000
American Indian or Alaskan Native 7 $686,000 $98,000 $136,000 $47,000 $85,000
Native Hawaiian or Other Pacific Islander 2 $352,000 $176,000 $216,000 $116,000 $178,000
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) 1,704 $227,761,000 $133,000 $1,781,000 $84,000 $656,000
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 893 $120,973,000 $135,000 $1,781,000 $88,000 $656,000
Application Denied By Financial Institution 558 $71,471,000 $128,000 $1,035,000 $76,000 $417,000
Application Withdrawn By Applicant 252 $35,222,000 $139,000 $1,222,000 $87,000 $497,000
File Closed For Incompleteness 1 $95,000 $95,000 $95,000 $167,000 $167,000
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 2013 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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