Together Credit Union Mortgage Lending & HMDA Data, 2015

In 2015, Together Credit Union of 423 Lynch Street, MO reported 1,609 mortgage applications totaling $240.5 million, up 37% from 2014. The average application was for $149,488, and applicants reported an average income of $90,781. 53% of its applications resulted in an originated loan and 28% were denied. Its largest markets were St. Louis, MO-IL (1,040), Houston-The Woodlands-Sugar Land, TX (57) and Tampa-St. Petersburg-Clearwater, FL (51) (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
Years 2025  2024  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 1,609
Total Mortgage Loan Application Amount $240,527,000
Average Mortgage Loan Application Amount $149,488
Highest Mortgage Loan Application Amount $2,991,000
Average Applicant Income $90,781
Highest Applicant Income $925,000

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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

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 498 $ 76,651,000 $ 153,917 $ 94,000
St. Louis City, Missouri 192 $ 23,023,000 $ 119,911 $ 79,000
Jefferson, Missouri 142 $ 18,920,000 $ 133,239 $ 82,000
St. Charles, Missouri 117 $ 14,961,000 $ 127,871 $ 90,000
Harris, Texas 40 $ 6,295,000 $ 157,375 $ 116,000
Hillsborough, Florida 37 $ 4,181,000 $ 113,000 $ 64,000
St. Clair, Illinois 37 $ 4,576,000 $ 123,675 $ 78,000
Dallas, Texas 32 $ 4,456,000 $ 139,250 $ 82,000
Los Angeles, California 23 $ 5,787,000 $ 251,608 $ 111,000
Madison, Illinois 19 $ 2,318,000 $ 122,000 $ 90,000
Franklin, Ohio 19 $ 2,091,000 $ 110,052 $ 78,000
Orange, Florida 18 $ 2,435,000 $ 135,277 $ 73,000
Hillsborough, New Hampshire 14 $ 1,872,000 $ 133,714 $ 89,000
Camden, Missouri 13 $ 1,713,000 $ 131,769 $ 157,000
Franklin, Missouri 12 $ 1,693,000 $ 141,083 $ 69,000
Duval, Florida 11 $ 1,617,000 $ 147,000 $ 103,000
Bexar, Texas 11 $ 1,208,000 $ 109,818 $ 64,000
Riverside, California 9 $ 1,781,000 $ 197,888 $ 73,000
San Diego, California 9 $ 1,588,000 $ 176,444 $ 98,000
Solano, California 9 $ 1,597,000 $ 177,444 $ 106,000
Bartow, Georgia 9 $ 1,304,000 $ 144,888 $ 77,000
Monroe, Illinois 9 $ 1,551,000 $ 172,333 $ 125,000
Pasco, Florida 8 $ 1,225,000 $ 153,125 $ 79,000
Delaware, Ohio 8 $ 1,004,000 $ 125,500 $ 78,000
Larimer, Colorado 7 $ 1,118,000 $ 159,714 $ 87,000
Weld, Colorado 7 $ 864,000 $ 123,428 $ 105,000
Osceola, Florida 7 $ 898,000 $ 128,285 $ 63,000
Montgomery, Texas 7 $ 984,000 $ 140,571 $ 79,000
James City, Virginia 7 $ 987,000 $ 141,000 $ 73,000
Warren, Missouri 6 $ 906,000 $ 151,000 $ 89,000
Onondaga, New York 6 $ 703,000 $ 117,166 $ 101,000
Fort Bend, Texas 6 $ 1,479,000 $ 246,500 $ 139,000
Kern, California 5 $ 818,000 $ 163,600 $ 73,000
Pinellas, Florida 5 $ 862,000 $ 172,400 $ 78,000
Jackson, Missouri 5 $ 592,000 $ 118,400 $ 110,000
York, Virginia 5 $ 452,000 $ 90,400 $ 32,000
Lake, Florida 4 $ 605,000 $ 151,250 $ 80,000
Lee, Florida 4 $ 194,000 $ 48,500 $ 80,000
Nassau, Florida 4 $ 1,064,000 $ 266,000 $ 119,000
Seminole, Florida 4 $ 621,000 $ 155,250 $ 71,000
Cook, Illinois 4 $ 573,000 $ 143,250 $ 78,000
St. Francois, Missouri 4 $ 253,000 $ 63,250 $ 35,000
Oswego, New York 4 $ 500,000 $ 125,000 $ 84,000
Orange, California 3 $ 891,000 $ 297,000 $ 74,000
Jefferson, Colorado 3 $ 311,000 $ 103,666 $ 93,000
Collier, Florida 3 $ 574,000 $ 191,333 $ 187,000
St. Johns, Florida 3 $ 820,000 $ 273,333 $ 109,000
Cherokee, Georgia 3 $ 609,000 $ 203,000 $ 119,000
Fulton, Georgia 3 $ 674,000 $ 224,666 $ 97,000
Johnson, Kansas 3 $ 875,000 $ 291,666 $ 143,000
Washington, Missouri 3 $ 403,000 $ 134,333 $ 92,000
Essex, New Jersey 3 $ 813,000 $ 271,000 $ 137,000
Middlesex, New Jersey 3 $ 640,000 $ 213,333 $ 104,000
New York, New York 3 $ 4,748,000 $ 1,582,666 $ 319,000
Westchester, New York 3 $ 1,568,000 $ 522,666 $ 237,000
Licking, Ohio 3 $ 544,000 $ 181,333 $ 111,000
Collin, Texas 3 $ 371,000 $ 123,666 $ 91,000
Maricopa, Arizona 2 $ 501,000 $ 250,500 $ 72,000
San Bernardino, California 2 $ 300,000 $ 150,000 $ 139,000
San Joaquin, California 2 $ 457,000 $ 228,500 $ 95,000
Ventura, California 2 $ 910,000 $ 455,000 $ 197,000
Fairfield, Connecticut 2 $ 366,000 $ 183,000 $ 89,000
Sussex, Delaware 2 $ 90,000 $ 45,000 $ 22,000
Brevard, Florida 2 $ 324,000 $ 162,000 $ 128,000
Broward, Florida 2 $ 376,000 $ 188,000 $ 110,000
Charlotte, Florida 2 $ 292,000 $ 146,000 $ 99,000
Clay, Florida 2 $ 530,000 $ 265,000 $ 92,000
Leon, Florida 2 $ 87,000 $ 43,500 $ 69,000
Paulding, Georgia 2 $ 455,000 $ 227,500 $ 98,000
Polk, Georgia 2 $ 192,000 $ 96,000 $ 60,000
Clinton, Illinois 2 $ 203,000 $ 101,500 $ 47,000
Macoupin, Illinois 2 $ 173,000 $ 86,500 $ 85,000
Will, Illinois 2 $ 561,000 $ 280,500 $ 93,000
Marion, Indiana 2 $ 324,000 $ 162,000 $ 127,000
Douglas, Kansas 2 $ 429,000 $ 214,500 $ 183,000
Cape Girardeau, Missouri 2 $ 148,000 $ 74,000 $ 84,000
Clay, Missouri 2 $ 34,000 $ 17,000 $ 105,000
Lincoln, Missouri 2 $ 264,000 $ 132,000 $ 97,000
Ste. Genevieve, Missouri 2 $ 110,000 $ 55,000 $ 80,000
Taney, Missouri 2 $ 82,000 $ 41,000 $ 78,000
Merrimack, New Hampshire 2 $ 156,000 $ 78,000 $ 128,000
Monmouth, New Jersey 2 $ 348,000 $ 174,000 $ 90,000
Mecklenburg, North Carolina 2 $ 1,004,000 $ 502,000 $ 152,000
Wake, North Carolina 2 $ 222,000 $ 111,000 $ 75,000
Fairfield, Ohio 2 $ 389,000 $ 194,500 $ 91,000
Union, Ohio 2 $ 152,000 $ 76,000 $ 38,000
Brazos, Texas 2 $ 135,000 $ 67,500 $ 107,000
Ellis, Texas 2 $ 352,000 $ 176,000 $ 131,000
Liberty, Texas 2 $ 275,000 $ 137,500 $ 88,000
Tarrant, Texas 2 $ 306,000 $ 153,000 $ 77,000
Williamson, Texas 2 $ 255,000 $ 127,500 $ 115,000
Jefferson, Alabama 1 $ 466,000 $ 466,000 $ 165,000
Montgomery, Alabama 1 $ 100,000 $ 100,000 $ 57,000
Benton, Arkansas 1 $ 55,000 $ 55,000 $ 103,000
Carroll, Arkansas 1 $ 363,000 $ 363,000 $ 200,000
Craighead, Arkansas 1 $ 147,000 $ 147,000 $ 94,000
Greene, Arkansas 1 $ 170,000 $ 170,000 $ 124,000
Pulaski, Arkansas 1 $ 167,000 $ 167,000 $ 42,000
Alameda, California 1 $ 486,000 $ 486,000 $ 245,000
Contra Costa, California 1 $ 250,000 $ 250,000 $ 55,000
El Dorado, California 1 $ 56,000 $ 56,000 $ 179,000
Sacramento, California 1 $ 286,000 $ 286,000 $ 142,000
San Luis Obispo, California 1 $ 200,000 $ 200,000 $ 80,000
Shasta, California 1 $ 102,000 $ 102,000 $ 67,000
Stanislaus, California 1 $ 208,000 $ 208,000 $ 130,000
Tehama, California 1 $ 353,000 $ 353,000 $ 141,000
Yolo, California 1 $ 17,000 $ 17,000 $ 90,000
Arapahoe, Colorado 1 $ 15,000 $ 15,000 $ 80,000
Broomfield, Colorado 1 $ 522,000 $ 522,000 $ 123,000
Douglas, Colorado 1 $ 350,000 $ 350,000 $ 168,000
Pitkin, Colorado 1 $ 347,000 $ 347,000 $ 87,000
Hartford, Connecticut 1 $ 203,000 $ 203,000 $ 1,000
Middlesex, Connecticut 1 $ 477,000 $ 477,000 $ 155,000
District of Columbia, District Of Columbia 1 $ 60,000 $ 60,000 $ 127,000
DeSoto, Florida 1 $ 22,000 $ 22,000 $ 95,000
Flagler, Florida 1 $ 134,000 $ 134,000 $ 52,000
Hernando, Florida 1 $ 105,000 $ 105,000 $ 130,000
Monroe, Florida 1 $ 323,000 $ 323,000 $ 155,000
Okaloosa, Florida 1 $ 107,000 $ 107,000 $ 96,000
Palm Beach, Florida 1 $ 57,000 $ 57,000 $ 100,000
Polk, Florida 1 $ 123,000 $ 123,000 $ 46,000
St. Lucie, Florida 1 $ 95,000 $ 95,000 $ 26,000
Volusia, Florida 1 $ 55,000 $ 55,000 $ 42,000
Brantley, Georgia 1 $ 75,000 $ 75,000 $ 65,000
Camden, Georgia 1 $ 100,000 $ 100,000 $ 107,000
Carroll, Georgia 1 $ 86,000 $ 86,000 $ 92,000
Cobb, Georgia 1 $ 122,000 $ 122,000 $ 137,000
Coweta, Georgia 1 $ 130,000 $ 130,000 $ 91,000
Douglas, Georgia 1 $ 40,000 $ 40,000 $ 100,000
Gordon, Georgia 1 $ 30,000 $ 30,000 $ 72,000
Whitfield, Georgia 1 $ 82,000 $ 82,000 $ 68,000
Teton, Idaho 1 $ 232,000 $ 232,000 $ 230,000
Bond, Illinois 1 $ 155,000 $ 155,000 $ 455,000
DuPage, Illinois 1 $ 611,000 $ 611,000 $ 335,000
Jersey, Illinois 1 $ 22,000 $ 22,000 $ 83,000
Johnson, Illinois 1 $ 107,000 $ 107,000 $ 181,000
Lake, Illinois 1 $ 264,000 $ 264,000 $ 151,000
Washington, Illinois 1 $ 145,000 $ 145,000 $ 89,000
Putnam, Indiana 1 $ 122,000 $ 122,000 $ 98,000
Cheyenne, Kansas 1 $ 131,000 $ 131,000 $ 73,000
Russell, Kentucky 1 $ 200,000 $ 200,000 $ 70,000
St. John the Baptist, Louisiana 1 $ 94,000 $ 94,000 $ 52,000
Tangipahoa, Louisiana 1 $ 100,000 $ 100,000 $ 46,000
Howard, Maryland 1 $ 470,000 $ 470,000 $ 125,000
Bristol, Massachusetts 1 $ 214,000 $ 214,000 $ 58,000
Norfolk, Massachusetts 1 $ 588,000 $ 588,000 $ 140,000
Kemper, Mississippi 1 $ 58,000 $ 58,000 $ 51,000
Boone, Missouri 1 $ 85,000 $ 85,000 $ 160,000
Cass, Missouri 1 $ 50,000 $ 50,000 $ 33,000
Cole, Missouri 1 $ 112,000 $ 112,000 $ 33,000
Cooper, Missouri 1 $ 61,000 $ 61,000 $ 23,000
Crawford, Missouri 1 $ 136,000 $ 136,000 $ 88,000
Gasconade, Missouri 1 $ 40,000 $ 40,000 $ 92,000
Maries, Missouri 1 $ 138,000 $ 138,000 $ 71,000
Mercer, Missouri 1 $ 350,000 $ 350,000 $ 75,000
Polk, Missouri 1 $ 83,000 $ 83,000 $ 49,000
Reynolds, Missouri 1 $ 47,000 $ 47,000 $ 101,000
Scott, Missouri 1 $ 79,000 $ 79,000 $ 58,000
Stoddard, Missouri 1 $ 114,000 $ 114,000 $ 79,000
Texas, Missouri 1 $ 124,000 $ 124,000 $ 137,000
Union, New Jersey 1 $ 854,000 $ 854,000 $ 280,000
Cayuga, New York 1 $ 185,000 $ 185,000 $ 55,000
Suffolk, New York 1 $ 248,000 $ 248,000 $ 120,000
Sullivan, New York 1 $ 30,000 $ 30,000 $ 64,000
Guilford, North Carolina 1 $ 149,000 $ 149,000 $ 105,000
Union, North Carolina 1 $ 50,000 $ 50,000 $ 76,000
McLean, North Dakota 1 $ 70,000 $ 70,000 $ 50,000
Athens, Ohio 1 $ 89,000 $ 89,000 $ 51,000
Hamilton, Ohio 1 $ 211,000 $ 211,000 $ 95,000
Knox, Ohio 1 $ 267,000 $ 267,000 $ 64,000
Pawnee, Oklahoma 1 $ 117,000 $ 117,000 $ 67,000
Adams, Pennsylvania 1 $ 194,000 $ 194,000 $ 64,000
Philadelphia, Pennsylvania 1 $ 47,000 $ 47,000 $ 45,000
Beaufort, South Carolina 1 $ 375,000 $ 375,000 $ 70,000
Oconee, South Carolina 1 $ 127,000 $ 127,000 $ 110,000
Orangeburg, South Carolina 1 $ 120,000 $ 120,000 $ 29,000
Bandera, Texas 1 $ 141,000 $ 141,000 $ 29,000
Brazoria, Texas 1 $ 130,000 $ 130,000 $ 90,000
Calhoun, Texas 1 $ 212,000 $ 212,000 $ 116,000
Coryell, Texas 1 $ 51,000 $ 51,000 $ 74,000
Denton, Texas 1 $ 135,000 $ 135,000 $ 75,000
Galveston, Texas 1 $ 240,000 $ 240,000 $ 121,000
Lubbock, Texas 1 $ 100,000 $ 100,000 $ 100,000
Rockwall, Texas 1 $ 83,000 $ 83,000 $ 50,000
Travis, Texas 1 $ 275,000 $ 275,000 $ 96,000
Chesterfield, Virginia 1 $ 139,000 $ 139,000 $ 65,000
Fluvanna, Virginia 1 $ 128,000 $ 128,000 $ 39,000
Hampton, Virginia 1 $ 73,000 $ 73,000 $ 116,000
King William, Virginia 1 $ 144,000 $ 144,000 $ 68,000
Nelson, Virginia 1 $ 228,000 $ 228,000 $ 94,000
Newport News, Virginia 1 $ 60,000 $ 60,000 $ 103,000
Northampton, Virginia 1 $ 60,000 $ 60,000 $ 41,000
Richmond City, Virginia 1 $ 214,000 $ 214,000 $ 127,000

Mortgage Loan Application Detail Totals for Together Credit Union in 2015

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 705 $104,285,000 $147,000 $875,000 $89,000 $925,000
Home Purchase 613 $115,364,000 $188,000 $2,991,000 $97,000 $916,000
Home Improvement 291 $20,878,000 $71,000 $511,000 $82,000 $474,000

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 1,049 $158,562,000 $151,000 $2,991,000 $92,000 $925,000
Not Provided 320 $50,801,000 $158,000 $1,271,000 $95,000 $316,000
Black or African American 133 $15,806,000 $118,000 $990,000 $79,000 $319,000
Hispanic 86 $12,528,000 $145,000 $1,000,000 $85,000 $337,000
Asian 17 $2,204,000 $129,000 $336,000 $79,000 $152,000
American Indian or Alaskan Native 2 $165,000 $82,000 $95,000 $37,000 $50,000
Native Hawaiian or Other Pacific Islander 2 $461,000 $230,000 $421,000 $133,000 $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) 1,609 $240,527,000 $149,000 $2,991,000 $91,000 $925,000
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 859 $140,122,000 $163,000 $2,991,000 $98,000 $925,000
Application Denied By Financial Institution 444 $52,373,000 $117,000 $800,000 $76,000 $455,000
Application Withdrawn By Applicant 263 $40,333,000 $153,000 $1,000,000 $93,000 $337,000
File Closed For Incompleteness 42 $7,659,000 $182,000 $486,000 $104,000 $281,000
Application Approved But Not Accepted 1 $40,000 $40,000 $40,000 $35,000 $35,000
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 2015 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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