Together Credit Union Mortgage Lending & HMDA Data, 2014

In 2014, Together Credit Union of 423 Lynch Street, MO reported 1,175 mortgage applications totaling $166.5 million, down 31% from 2013. The average application was for $141,704, and applicants reported an average income of $87,860. 50% of its applications resulted in an originated loan and 30% were denied. Its largest markets were St. Louis, MO-IL (734), Houston-The Woodlands-Sugar Land, TX (43) and Tampa-St. Petersburg-Clearwater, FL (32) (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 1,175
Total Mortgage Loan Application Amount $166,503,000
Average Mortgage Loan Application Amount $141,704
Highest Mortgage Loan Application Amount $1,800,000
Average Applicant Income $87,860
Highest Applicant Income $1,250,000

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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

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 362 $ 53,663,000 $ 148,240 $ 91,000
St. Louis City, Missouri 124 $ 12,939,000 $ 104,346 $ 68,000
Jefferson, Missouri 106 $ 11,751,000 $ 110,858 $ 77,000
St. Charles, Missouri 76 $ 11,392,000 $ 149,894 $ 84,000
Harris, Texas 29 $ 3,276,000 $ 112,965 $ 77,000
St. Clair, Illinois 27 $ 3,133,000 $ 116,037 $ 80,000
Hillsborough, Florida 18 $ 3,000,000 $ 166,666 $ 78,000
Dallas, Texas 17 $ 1,327,000 $ 78,058 $ 61,000
Orange, Florida 16 $ 2,793,000 $ 174,562 $ 118,000
Los Angeles, California 15 $ 3,131,000 $ 208,733 $ 88,000
Onondaga, New York 15 $ 964,000 $ 64,266 $ 67,000
Franklin, Ohio 13 $ 1,398,000 $ 107,538 $ 82,000
Madison, Illinois 12 $ 1,017,000 $ 84,750 $ 68,000
Monroe, Illinois 10 $ 1,977,000 $ 197,700 $ 100,000
James City, Virginia 10 $ 1,176,000 $ 117,600 $ 81,000
Larimer, Colorado 9 $ 788,000 $ 87,555 $ 79,000
Bexar, Texas 9 $ 1,288,000 $ 143,111 $ 71,000
Franklin, Missouri 8 $ 734,000 $ 91,750 $ 46,000
Pasco, Florida 7 $ 824,000 $ 117,714 $ 58,000
Pinellas, Florida 7 $ 1,773,000 $ 253,285 $ 182,000
Floyd, Georgia 7 $ 607,000 $ 86,714 $ 92,000
Hillsborough, New Hampshire 7 $ 1,310,000 $ 187,142 $ 91,000
Fort Bend, Texas 6 $ 539,000 $ 89,833 $ 92,000
Riverside, California 5 $ 1,109,000 $ 221,800 $ 83,000
St. Johns, Florida 5 $ 1,399,000 $ 279,800 $ 116,000
Greene, Missouri 5 $ 215,000 $ 43,000 $ 90,000
St. Francois, Missouri 5 $ 607,000 $ 121,400 $ 64,000
Essex, New Jersey 5 $ 608,000 $ 121,600 $ 89,000
Tarrant, Texas 5 $ 901,000 $ 180,200 $ 160,000
Maricopa, Arizona 4 $ 717,000 $ 179,250 $ 175,000
Solano, California 4 $ 560,000 $ 140,000 $ 118,000
Duval, Florida 4 $ 521,000 $ 130,250 $ 118,000
Nassau, Florida 4 $ 676,000 $ 169,000 $ 110,000
Polk, Florida 4 $ 456,000 $ 114,000 $ 77,000
Bartow, Georgia 4 $ 420,000 $ 105,000 $ 88,000
Camden, Missouri 4 $ 1,016,000 $ 254,000 $ 233,000
Oswego, New York 4 $ 275,000 $ 68,750 $ 68,000
Delaware, Ohio 4 $ 338,000 $ 84,500 $ 76,000
Brazoria, Texas 4 $ 694,000 $ 173,500 $ 112,000
Craighead, Arkansas 3 $ 232,000 $ 77,333 $ 56,000
San Diego, California 3 $ 384,000 $ 128,000 $ 66,000
Weld, Colorado 3 $ 521,000 $ 173,666 $ 92,000
Broward, Florida 3 $ 935,000 $ 311,666 $ 139,000
Cape Girardeau, Missouri 3 $ 236,000 $ 78,666 $ 92,000
Crawford, Missouri 3 $ 366,000 $ 122,000 $ 60,000
Morgan, Missouri 3 $ 290,000 $ 96,666 $ 75,000
Cayuga, New York 3 $ 171,000 $ 57,000 $ 61,000
New York, New York 3 $ 3,887,000 $ 1,295,666 $ 330,000
Fairfield, Ohio 3 $ 444,000 $ 148,000 $ 91,000
Collin, Texas 3 $ 750,000 $ 250,000 $ 203,000
Montgomery, Texas 3 $ 373,000 $ 124,333 $ 86,000
Rockwall, Texas 3 $ 373,000 $ 124,333 $ 114,000
Newport News, Virginia 3 $ 365,000 $ 121,666 $ 65,000
San Bernardino, California 2 $ 212,000 $ 106,000 $ 68,000
Lake, Florida 2 $ 496,000 $ 248,000 $ 74,000
Miami-Dade, Florida 2 $ 2,095,000 $ 1,047,500 $ 437,000
Cobb, Georgia 2 $ 312,000 $ 156,000 $ 56,000
Fulton, Georgia 2 $ 632,000 $ 316,000 $ 135,000
DuPage, Illinois 2 $ 362,000 $ 181,000 $ 89,000
Jersey, Illinois 2 $ 88,000 $ 44,000 $ 41,000
Macoupin, Illinois 2 $ 55,000 $ 27,500 $ 112,000
Boone, Missouri 2 $ 180,000 $ 90,000 $ 34,000
Jackson, Missouri 2 $ 90,000 $ 45,000 $ 80,000
Lincoln, Missouri 2 $ 269,000 $ 134,500 $ 58,000
Warren, Missouri 2 $ 215,000 $ 107,500 $ 169,000
Rockingham, New Hampshire 2 $ 160,000 $ 80,000 $ 45,000
Union, New Jersey 2 $ 319,000 $ 159,500 $ 77,000
Licking, Ohio 2 $ 378,000 $ 189,000 $ 115,000
Canadian, Oklahoma 2 $ 430,000 $ 215,000 $ 97,000
Northampton, Pennsylvania 2 $ 14,000 $ 7,000 $ 136,000
Davidson, Tennessee 2 $ 312,000 $ 156,000 $ 116,000
Denton, Texas 2 $ 60,000 $ 30,000 $ 196,000
Lamar, Texas 2 $ 200,000 $ 100,000 $ 72,000
Hampton, Virginia 2 $ 314,000 $ 157,000 $ 63,000
Etowah, Alabama 1 $ 173,000 $ 173,000 $ 130,000
Mohave, Arizona 1 $ 60,000 $ 60,000 $ 45,000
Greene, Arkansas 1 $ 80,000 $ 80,000 $ 48,000
Pulaski, Arkansas 1 $ 15,000 $ 15,000 $ 100,000
Calaveras, California 1 $ 50,000 $ 50,000 $ 35,000
Kern, California 1 $ 100,000 $ 100,000 $ 165,000
Orange, California 1 $ 103,000 $ 103,000 $ 74,000
Sacramento, California 1 $ 247,000 $ 247,000 $ 121,000
San Joaquin, California 1 $ 280,000 $ 280,000 $ 152,000
Stanislaus, California 1 $ 50,000 $ 50,000 $ 112,000
Adams, Colorado 1 $ 50,000 $ 50,000 $ 27,000
Denver, Colorado 1 $ 25,000 $ 25,000 $ 85,000
Douglas, Colorado 1 $ 100,000 $ 100,000 $ 101,000
El Paso, Colorado 1 $ 165,000 $ 165,000 $ 44,000
Fairfield, Connecticut 1 $ 900,000 $ 900,000 $ 380,000
Charlotte, Florida 1 $ 75,000 $ 75,000 $ 35,000
Clay, Florida 1 $ 43,000 $ 43,000 $ 72,000
Collier, Florida 1 $ 259,000 $ 259,000 $ 132,000
DeSoto, Florida 1 $ 41,000 $ 41,000 $ 94,000
Gilchrist, Florida 1 $ 127,000 $ 127,000 $ 50,000
Lee, Florida 1 $ 230,000 $ 230,000 $ 79,000
Osceola, Florida 1 $ 131,000 $ 131,000 $ 47,000
Seminole, Florida 1 $ 213,000 $ 213,000 $ 88,000
Volusia, Florida 1 $ 140,000 $ 140,000 $ 40,000
Walton, Florida 1 $ 100,000 $ 100,000 $ 62,000
Chattooga, Georgia 1 $ 68,000 $ 68,000 $ 62,000
Cherokee, Georgia 1 $ 183,000 $ 183,000 $ 39,000
Glynn, Georgia 1 $ 138,000 $ 138,000 $ 57,000
Gordon, Georgia 1 $ 43,000 $ 43,000 $ 31,000
Gwinnett, Georgia 1 $ 25,000 $ 25,000 $ 92,000
Calhoun, Illinois 1 $ 100,000 $ 100,000 $ 147,000
Cook, Illinois 1 $ 12,000 $ 12,000 $ 188,000
Kankakee, Illinois 1 $ 100,000 $ 100,000 $ 51,000
Marion, Illinois 1 $ 27,000 $ 27,000 $ 0
Montgomery, Illinois 1 $ 62,000 $ 62,000 $ 43,000
Perry, Illinois 1 $ 155,000 $ 155,000 $ 198,000
Will, Illinois 1 $ 278,000 $ 278,000 $ 89,000
Hamilton, Indiana 1 $ 171,000 $ 171,000 $ 148,000
Jay, Indiana 1 $ 24,000 $ 24,000 $ 29,000
Vigo, Indiana 1 $ 180,000 $ 180,000 $ 121,000
Polk, Iowa 1 $ 20,000 $ 20,000 $ 127,000
Pottawattamie, Iowa 1 $ 116,000 $ 116,000 $ 44,000
Barton, Kansas 1 $ 57,000 $ 57,000 $ 62,000
Johnson, Kansas 1 $ 665,000 $ 665,000 $ 202,000
Daviess, Kentucky 1 $ 272,000 $ 272,000 $ 170,000
Jefferson, Kentucky 1 $ 142,000 $ 142,000 $ 108,000
Laurel, Kentucky 1 $ 116,000 $ 116,000 $ 131,000
East Baton Rouge, Louisiana 1 $ 105,000 $ 105,000 $ 71,000
St. Landry, Louisiana 1 $ 60,000 $ 60,000 $ 98,000
Christian, Missouri 1 $ 298,000 $ 298,000 $ 61,000
Clay, Missouri 1 $ 115,000 $ 115,000 $ 27,000
Howell, Missouri 1 $ 199,000 $ 199,000 $ 64,000
Montgomery, Missouri 1 $ 59,000 $ 59,000 $ 28,000
Putnam, Missouri 1 $ 60,000 $ 60,000 $ 30,000
Ralls, Missouri 1 $ 80,000 $ 80,000 $ 63,000
Ste. Genevieve, Missouri 1 $ 70,000 $ 70,000 $ 70,000
Stone, Missouri 1 $ 345,000 $ 345,000 $ 176,000
Washington, Missouri 1 $ 54,000 $ 54,000 $ 106,000
Clark, Nevada 1 $ 154,000 $ 154,000 $ 63,000
Douglas, Nevada 1 $ 80,000 $ 80,000 $ 17,000
Merrimack, New Hampshire 1 $ 257,000 $ 257,000 $ 275,000
Bergen, New Jersey 1 $ 408,000 $ 408,000 $ 135,000
Ocean, New Jersey 1 $ 293,000 $ 293,000 $ 151,000
Somerset, New Jersey 1 $ 233,000 $ 233,000 $ 99,000
Dutchess, New York 1 $ 375,000 $ 375,000 $ 122,000
Fulton, New York 1 $ 88,000 $ 88,000 $ 82,000
Madison, New York 1 $ 140,000 $ 140,000 $ 60,000
Nassau, New York 1 $ 25,000 $ 25,000 $ 127,000
Orange, New York 1 $ 40,000 $ 40,000 $ 94,000
Ulster, New York 1 $ 26,000 $ 26,000 $ 97,000
Buncombe, North Carolina 1 $ 13,000 $ 13,000 $ 31,000
Chatham, North Carolina 1 $ 32,000 $ 32,000 $ 85,000
Clermont, Ohio 1 $ 35,000 $ 35,000 $ 120,000
Madison, Ohio 1 $ 144,000 $ 144,000 $ 84,000
Marion, Ohio 1 $ 25,000 $ 25,000 $ 85,000
Payne, Oklahoma 1 $ 100,000 $ 100,000 $ 48,000
Rogers, Oklahoma 1 $ 265,000 $ 265,000 $ 103,000
Tulsa, Oklahoma 1 $ 98,000 $ 98,000 $ 48,000
Lancaster, Pennsylvania 1 $ 100,000 $ 100,000 $ 56,000
Pike, Pennsylvania 1 $ 15,000 $ 15,000 $ 77,000
Georgetown, South Carolina 1 $ 255,000 $ 255,000 $ 72,000
Kershaw, South Carolina 1 $ 55,000 $ 55,000 $ 124,000
Oconee, South Carolina 1 $ 228,000 $ 228,000 $ 105,000
Orangeburg, South Carolina 1 $ 85,000 $ 85,000 $ 30,000
Williamson, Tennessee 1 $ 8,000 $ 8,000 $ 103,000
Cooke, Texas 1 $ 195,000 $ 195,000 $ 243,000
Ellis, Texas 1 $ 20,000 $ 20,000 $ 141,000
Galveston, Texas 1 $ 340,000 $ 340,000 $ 168,000
Hale, Texas 1 $ 85,000 $ 85,000 $ 109,000
Henderson, Texas 1 $ 166,000 $ 166,000 $ 52,000
Hood, Texas 1 $ 180,000 $ 180,000 $ 126,000
Kendall, Texas 1 $ 392,000 $ 392,000 $ 265,000
Lubbock, Texas 1 $ 171,000 $ 171,000 $ 113,000
Midland, Texas 1 $ 238,000 $ 238,000 $ 126,000
Travis, Texas 1 $ 173,000 $ 173,000 $ 65,000
Washington, Texas 1 $ 1,320,000 $ 1,320,000 $ 248,000
Williamson, Texas 1 $ 408,000 $ 408,000 $ 175,000
Wasatch, Utah 1 $ 592,000 $ 592,000 $ 121,000
Washington, Vermont 1 $ 65,000 $ 65,000 $ 200,000
Alexandria, Virginia 1 $ 482,000 $ 482,000 $ 122,000
Colonial Heights, Virginia 1 $ 70,000 $ 70,000 $ 85,000
Hanover, Virginia 1 $ 178,000 $ 178,000 $ 86,000
Isle of Wight, Virginia 1 $ 116,000 $ 116,000 $ 65,000
Richmond City, Virginia 1 $ 150,000 $ 150,000 $ 119,000
Williamsburg, Virginia 1 $ 166,000 $ 166,000 $ 88,000
York, Virginia 1 $ 60,000 $ 60,000 $ 36,000
Pierce, Washington 1 $ 172,000 $ 172,000 $ 93,000
Snohomish, Washington 1 $ 213,000 $ 213,000 $ 38,000
Dane, Wisconsin 1 $ 257,000 $ 257,000 $ 92,000
Marquette, Wisconsin 1 $ 115,000 $ 115,000 $ 106,000
Milwaukee, Wisconsin 1 $ 614,000 $ 614,000 $ 330,000

Mortgage Loan Application Detail Totals for Together Credit Union in 2014

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 511 $71,515,000 $139,000 $1,104,000 $82,000 $568,000
Home Purchase 423 $79,778,000 $188,000 $1,800,000 $96,000 $1,250,000
Home Improvement 241 $15,210,000 $63,000 $568,000 $86,000 $306,000

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 776 $110,141,000 $141,000 $1,800,000 $89,000 $1,250,000
Not Provided 213 $31,657,000 $148,000 $1,800,000 $96,000 $434,000
Black or African American 111 $11,212,000 $101,000 $497,000 $66,000 $266,000
Hispanic 59 $10,975,000 $186,000 $1,100,000 $91,000 $568,000
Asian 13 $2,308,000 $177,000 $355,000 $99,000 $250,000
American Indian or Alaskan Native 2 $150,000 $75,000 $123,000 $24,000 $36,000
Native Hawaiian or Other Pacific Islander 1 $60,000 $60,000 $60,000 $55,000 $55,000
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) 1,175 $166,503,000 $141,000 $1,800,000 $88,000 $1,250,000
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 586 $87,112,000 $148,000 $1,800,000 $91,000 $616,000
Application Denied By Financial Institution 353 $40,558,000 $114,000 $1,320,000 $78,000 $434,000
Application Withdrawn By Applicant 236 $38,833,000 $164,000 $1,800,000 $96,000 $1,250,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Mortgage Insurance Denied 4 $674,000 $168,000 $241,000 $78,000 $160,000
Other 4 $440,000 $110,000 $230,000 $67,000 $103,000
Debt-To-Income Ratio 2 $268,000 $134,000 $149,000 $54,000 $63,000
Credit History 1 $100,000 $100,000 $100,000 $88,000 $88,000
Unverifiable Information 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
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Together Credit Union's 2014 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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