Together Credit Union Mortgage Lending & HMDA Data, 2016

In 2016, Together Credit Union of 423 Lynch Street, MO reported 1,660 mortgage applications totaling $250.8 million, up 3% from 2015. The average application was for $151,096, and applicants reported an average income of $89,263. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were St. Louis, MO-IL (1,116), Houston-The Woodlands-Sugar Land, TX (65) and Tampa-St. Petersburg-Clearwater, FL (46) (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 1,660
Total Mortgage Loan Application Amount $250,821,000
Average Mortgage Loan Application Amount $151,096
Highest Mortgage Loan Application Amount $1,378,000
Average Applicant Income $89,263
Highest Applicant Income $996,000

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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016

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 517 $ 77,767,000 $ 150,419 $ 92,000
St. Louis City, Missouri 192 $ 24,465,000 $ 127,421 $ 81,000
Jefferson, Missouri 166 $ 22,492,000 $ 135,493 $ 79,000
St. Charles, Missouri 144 $ 23,290,000 $ 161,736 $ 87,000
Harris, Texas 46 $ 5,983,000 $ 130,065 $ 96,000
St. Clair, Illinois 33 $ 4,130,000 $ 125,151 $ 83,000
Dallas, Texas 33 $ 2,779,000 $ 84,212 $ 70,000
Hillsborough, Florida 31 $ 3,143,000 $ 101,387 $ 52,000
Madison, Illinois 25 $ 3,679,000 $ 147,160 $ 89,000
Orange, Florida 20 $ 2,831,000 $ 141,550 $ 79,000
Los Angeles, California 19 $ 5,132,000 $ 270,105 $ 103,000
Larimer, Colorado 17 $ 3,341,000 $ 196,529 $ 79,000
Franklin, Ohio 17 $ 1,760,000 $ 103,529 $ 73,000
Hillsborough, New Hampshire 15 $ 2,486,000 $ 165,733 $ 86,000
Franklin, Missouri 14 $ 1,958,000 $ 139,857 $ 82,000
Pasco, Florida 12 $ 1,651,000 $ 137,583 $ 77,000
Onondaga, New York 12 $ 1,094,000 $ 91,166 $ 87,000
Monroe, Illinois 11 $ 1,805,000 $ 164,090 $ 100,000
Bexar, Texas 11 $ 1,372,000 $ 124,727 $ 84,000
Camden, Missouri 10 $ 1,473,000 $ 147,300 $ 118,000
St. Francois, Missouri 10 $ 909,000 $ 90,900 $ 67,000
James City, Virginia 10 $ 2,202,000 $ 220,200 $ 104,000
Bartow, Georgia 9 $ 1,562,000 $ 173,555 $ 96,000
Lincoln, Missouri 9 $ 1,380,000 $ 153,333 $ 66,000
Weld, Colorado 6 $ 1,537,000 $ 256,166 $ 97,000
San Diego, California 5 $ 1,297,000 $ 259,400 $ 65,000
Osceola, Florida 5 $ 286,000 $ 57,200 $ 51,000
Crawford, Missouri 5 $ 645,000 $ 129,000 $ 89,000
Delaware, Ohio 5 $ 861,000 $ 172,200 $ 113,000
Galveston, Texas 5 $ 759,000 $ 151,800 $ 108,000
Tarrant, Texas 5 $ 408,000 $ 81,600 $ 139,000
Maricopa, Arizona 4 $ 951,000 $ 237,750 $ 126,000
Duval, Florida 4 $ 522,000 $ 130,500 $ 85,000
Manatee, Florida 4 $ 1,117,000 $ 279,250 $ 89,000
Polk, Florida 4 $ 541,000 $ 135,250 $ 55,000
Oswego, New York 4 $ 466,000 $ 116,500 $ 69,000
Fairfield, Ohio 4 $ 708,000 $ 177,000 $ 101,000
Fort Bend, Texas 4 $ 606,000 $ 151,500 $ 117,000
Riverside, California 3 $ 568,000 $ 189,333 $ 65,000
Solano, California 3 $ 1,145,000 $ 381,666 $ 150,000
Palm Beach, Florida 3 $ 724,000 $ 241,333 $ 126,000
Pinellas, Florida 3 $ 509,000 $ 169,666 $ 116,000
Seminole, Florida 3 $ 477,000 $ 159,000 $ 100,000
Rockingham, New Hampshire 3 $ 400,000 $ 133,333 $ 106,000
Middlesex, New Jersey 3 $ 389,000 $ 129,666 $ 63,000
Licking, Ohio 3 $ 505,000 $ 168,333 $ 77,000
Brazoria, Texas 3 $ 571,000 $ 190,333 $ 105,000
Collin, Texas 3 $ 925,000 $ 308,333 $ 214,000
Montgomery, Texas 3 $ 317,000 $ 105,666 $ 141,000
York, Virginia 3 $ 453,000 $ 151,000 $ 53,000
Greene, Arkansas 2 $ 271,000 $ 135,500 $ 64,000
Ventura, California 2 $ 831,000 $ 415,500 $ 101,000
Broward, Florida 2 $ 472,000 $ 236,000 $ 193,000
Walton, Florida 2 $ 318,000 $ 159,000 $ 154,000
Cobb, Georgia 2 $ 288,000 $ 144,000 $ 118,000
DeKalb, Georgia 2 $ 209,000 $ 104,500 $ 92,000
Polk, Georgia 2 $ 161,000 $ 80,500 $ 56,000
Cook, Illinois 2 $ 133,000 $ 66,500 $ 103,000
DuPage, Illinois 2 $ 253,000 $ 126,500 $ 52,000
Christian, Missouri 2 $ 190,000 $ 95,000 $ 36,000
Madison, Missouri 2 $ 181,000 $ 90,500 $ 48,000
Warren, Missouri 2 $ 235,000 $ 117,500 $ 69,000
Washington, Missouri 2 $ 144,000 $ 72,000 $ 51,000
Ocean, New Jersey 2 $ 270,000 $ 135,000 $ 76,000
Passaic, New Jersey 2 $ 525,000 $ 262,500 $ 97,000
Tompkins, New York 2 $ 763,000 $ 381,500 $ 187,000
Westchester, New York 2 $ 1,991,000 $ 995,500 $ 251,000
Morrow, Ohio 2 $ 523,000 $ 261,500 $ 125,000
Union, Ohio 2 $ 266,000 $ 133,000 $ 105,000
Davidson, Tennessee 2 $ 462,000 $ 231,000 $ 99,000
Chambers, Texas 2 $ 220,000 $ 110,000 $ 119,000
Denton, Texas 2 $ 266,000 $ 133,000 $ 174,000
Liberty, Texas 2 $ 118,000 $ 59,000 $ 74,000
Gloucester, Virginia 2 $ 286,000 $ 143,000 $ 46,000
Hampton, Virginia 2 $ 86,000 $ 43,000 $ 65,000
Elmore, Alabama 1 $ 224,000 $ 224,000 $ 68,000
Mobile, Alabama 1 $ 133,000 $ 133,000 $ 44,000
Mohave, Arizona 1 $ 129,000 $ 129,000 $ 204,000
Yavapai, Arizona 1 $ 382,000 $ 382,000 $ 182,000
Benton, Arkansas 1 $ 165,000 $ 165,000 $ 130,000
Conway, Arkansas 1 $ 135,000 $ 135,000 $ 130,000
Sebastian, Arkansas 1 $ 10,000 $ 10,000 $ 38,000
Van Buren, Arkansas 1 $ 32,000 $ 32,000 $ 74,000
Alameda, California 1 $ 553,000 $ 553,000 $ 136,000
Colusa, California 1 $ 268,000 $ 268,000 $ 109,000
Contra Costa, California 1 $ 395,000 $ 395,000 $ 187,000
Imperial, California 1 $ 222,000 $ 222,000 $ 117,000
Sacramento, California 1 $ 855,000 $ 855,000 $ 190,000
Shasta, California 1 $ 200,000 $ 200,000 $ 43,000
Sonoma, California 1 $ 522,000 $ 522,000 $ 360,000
Yolo, California 1 $ 51,000 $ 51,000 $ 70,000
Arapahoe, Colorado 1 $ 248,000 $ 248,000 $ 59,000
Pitkin, Colorado 1 $ 320,000 $ 320,000 $ 96,000
Bay, Florida 1 $ 134,000 $ 134,000 $ 133,000
Brevard, Florida 1 $ 108,000 $ 108,000 $ 50,000
Citrus, Florida 1 $ 84,000 $ 84,000 $ 104,000
Clay, Florida 1 $ 190,000 $ 190,000 $ 110,000
Indian River, Florida 1 $ 233,000 $ 233,000 $ 90,000
Lee, Florida 1 $ 220,000 $ 220,000 $ 141,000
Leon, Florida 1 $ 30,000 $ 30,000 $ 158,000
Marion, Florida 1 $ 49,000 $ 49,000 $ 99,000
Martin, Florida 1 $ 137,000 $ 137,000 $ 90,000
Miami-Dade, Florida 1 $ 927,000 $ 927,000 $ 297,000
Santa Rosa, Florida 1 $ 131,000 $ 131,000 $ 116,000
Sarasota, Florida 1 $ 157,000 $ 157,000 $ 60,000
St. Johns, Florida 1 $ 428,000 $ 428,000 $ 150,000
St. Lucie, Florida 1 $ 95,000 $ 95,000 $ 33,000
Suwannee, Florida 1 $ 84,000 $ 84,000 $ 31,000
Camden, Georgia 1 $ 121,000 $ 121,000 $ 61,000
Chattooga, Georgia 1 $ 101,000 $ 101,000 $ 94,000
Cherokee, Georgia 1 $ 417,000 $ 417,000 $ 110,000
Coweta, Georgia 1 $ 160,000 $ 160,000 $ 54,000
Floyd, Georgia 1 $ 234,000 $ 234,000 $ 108,000
Forsyth, Georgia 1 $ 392,000 $ 392,000 $ 111,000
Fulton, Georgia 1 $ 160,000 $ 160,000 $ 94,000
Gwinnett, Georgia 1 $ 95,000 $ 95,000 $ 89,000
Henry, Georgia 1 $ 318,000 $ 318,000 $ 236,000
Paulding, Georgia 1 $ 81,000 $ 81,000 $ 81,000
Brown, Illinois 1 $ 116,000 $ 116,000 $ 109,000
Clinton, Illinois 1 $ 141,000 $ 141,000 $ 71,000
Jersey, Illinois 1 $ 63,000 $ 63,000 $ 105,000
Macoupin, Illinois 1 $ 50,000 $ 50,000 $ 70,000
Randolph, Illinois 1 $ 180,000 $ 180,000 $ 81,000
Washington, Illinois 1 $ 361,000 $ 361,000 $ 168,000
Linn, Iowa 1 $ 300,000 $ 300,000 $ 63,000
Pottawattamie, Iowa 1 $ 74,000 $ 74,000 $ 38,000
Barton, Kansas 1 $ 82,000 $ 82,000 $ 62,000
Fayette, Kentucky 1 $ 112,000 $ 112,000 $ 247,000
Jefferson, Kentucky 1 $ 207,000 $ 207,000 $ 80,000
East Baton Rouge, Louisiana 1 $ 20,000 $ 20,000 $ 82,000
Livingston, Louisiana 1 $ 173,000 $ 173,000 $ 123,000
Aroostook, Maine 1 $ 252,000 $ 252,000 $ 258,000
York, Maine 1 $ 208,000 $ 208,000 $ 170,000
Baltimore City, Maryland 1 $ 179,000 $ 179,000 $ 97,000
Cecil, Maryland 1 $ 80,000 $ 80,000 $ 73,000
Prince George's, Maryland 1 $ 360,000 $ 360,000 $ 105,000
Middlesex, Massachusetts 1 $ 720,000 $ 720,000 $ 602,000
Plymouth, Massachusetts 1 $ 45,000 $ 45,000 $ 192,000
Calhoun, Michigan 1 $ 58,000 $ 58,000 $ 92,000
Crawford, Michigan 1 $ 124,000 $ 124,000 $ 96,000
Kent, Michigan 1 $ 180,000 $ 180,000 $ 71,000
Lake, Michigan 1 $ 58,000 $ 58,000 $ 92,000
Macomb, Michigan 1 $ 169,000 $ 169,000 $ 106,000
Lake, Minnesota 1 $ 219,000 $ 219,000 $ 141,000
Boone, Missouri 1 $ 1,378,000 $ 1,378,000 $ 473,000
Greene, Missouri 1 $ 97,000 $ 97,000 $ 36,000
Iron, Missouri 1 $ 96,000 $ 96,000 $ 142,000
Miller, Missouri 1 $ 400,000 $ 400,000 $ 101,000
Perry, Missouri 1 $ 120,000 $ 120,000 $ 63,000
Phelps, Missouri 1 $ 105,000 $ 105,000 $ 91,000
Pike, Missouri 1 $ 350,000 $ 350,000 $ 218,000
Polk, Missouri 1 $ 95,000 $ 95,000 $ 47,000
Putnam, Missouri 1 $ 15,000 $ 15,000 $ 30,000
Reynolds, Missouri 1 $ 80,000 $ 80,000 $ 45,000
Ste. Genevieve, Missouri 1 $ 22,000 $ 22,000 $ 57,000
Stoddard, Missouri 1 $ 250,000 $ 250,000 $ 92,000
Taney, Missouri 1 $ 32,000 $ 32,000 $ 70,000
Clark, Nevada 1 $ 296,000 $ 296,000 $ 159,000
Merrimack, New Hampshire 1 $ 217,000 $ 217,000 $ 88,000
Essex, New Jersey 1 $ 247,000 $ 247,000 $ 141,000
Bernalillo, New Mexico 1 $ 25,000 $ 25,000 $ 30,000
Los Alamos, New Mexico 1 $ 208,000 $ 208,000 $ 115,000
Torrance, New Mexico 1 $ 417,000 $ 417,000 $ 102,000
Monroe, New York 1 $ 157,000 $ 157,000 $ 44,000
Brunswick, North Carolina 1 $ 137,000 $ 137,000 $ 45,000
Haywood, North Carolina 1 $ 185,000 $ 185,000 $ 58,000
Iredell, North Carolina 1 $ 255,000 $ 255,000 $ 76,000
Washington, North Carolina 1 $ 49,000 $ 49,000 $ 39,000
Walsh, North Dakota 1 $ 80,000 $ 80,000 $ 50,000
Knox, Ohio 1 $ 161,000 $ 161,000 $ 54,000
Medina, Ohio 1 $ 100,000 $ 100,000 $ 85,000
Cleveland, Oklahoma 1 $ 20,000 $ 20,000 $ 112,000
Oklahoma, Oklahoma 1 $ 77,000 $ 77,000 $ 37,000
Adams, Pennsylvania 1 $ 194,000 $ 194,000 $ 71,000
Allegheny, Pennsylvania 1 $ 340,000 $ 340,000 $ 280,000
Wayne, Pennsylvania 1 $ 131,000 $ 131,000 $ 301,000
Aiken, South Carolina 1 $ 120,000 $ 120,000 $ 115,000
Beaufort, South Carolina 1 $ 240,000 $ 240,000 $ 91,000
Charleston, South Carolina 1 $ 538,000 $ 538,000 $ 90,000
Loudon, Tennessee 1 $ 150,000 $ 150,000 $ 74,000
Wilson, Tennessee 1 $ 321,000 $ 321,000 $ 162,000
Brazos, Texas 1 $ 69,000 $ 69,000 $ 136,000
Comal, Texas 1 $ 221,000 $ 221,000 $ 111,000
El Paso, Texas 1 $ 68,000 $ 68,000 $ 100,000
Ellis, Texas 1 $ 109,000 $ 109,000 $ 70,000
Hood, Texas 1 $ 77,000 $ 77,000 $ 129,000
Johnson, Texas 1 $ 50,000 $ 50,000 $ 57,000
Kaufman, Texas 1 $ 157,000 $ 157,000 $ 61,000
Lubbock, Texas 1 $ 100,000 $ 100,000 $ 89,000
Travis, Texas 1 $ 286,000 $ 286,000 $ 86,000
Williamson, Texas 1 $ 132,000 $ 132,000 $ 80,000
Harrisonburg, Virginia 1 $ 194,000 $ 194,000 $ 55,000
King William, Virginia 1 $ 228,000 $ 228,000 $ 95,000
Middlesex, Virginia 1 $ 121,000 $ 121,000 $ 48,000
Nelson, Virginia 1 $ 221,000 $ 221,000 $ 95,000
Newport News, Virginia 1 $ 130,000 $ 130,000 $ 37,000
Northampton, Virginia 1 $ 28,000 $ 28,000 $ 94,000
Page, Virginia 1 $ 114,000 $ 114,000 $ 182,000
Richmond City, Virginia 1 $ 85,000 $ 85,000 $ 37,000
Williamsburg, Virginia 1 $ 180,000 $ 180,000 $ 55,000
Dane, Wisconsin 1 $ 242,000 $ 242,000 $ 109,000
Waukesha, Wisconsin 1 $ 10,000 $ 10,000 $ 101,000

Mortgage Loan Application Detail Totals for Together Credit Union in 2016

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 794 $111,508,000 $140,000 $1,000,000 $85,000 $337,000
Home Purchase 662 $122,686,000 $185,000 $1,378,000 $96,000 $996,000
Home Improvement 204 $16,627,000 $81,000 $413,000 $84,000 $282,000

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 1,196 $180,464,000 $150,000 $1,350,000 $89,000 $996,000
Not Provided 215 $35,145,000 $163,000 $1,378,000 $96,000 $487,000
Black or African American 134 $15,344,000 $114,000 $618,000 $76,000 $236,000
Hispanic 89 $14,220,000 $159,000 $720,000 $85,000 $602,000
Asian 21 $4,688,000 $223,000 $596,000 $112,000 $270,000
Native Hawaiin or Other Pacific Islander 4 $814,000 $203,000 $333,000 $95,000 $124,000
American Indian or Alaskan Native 1 $146,000 $146,000 $146,000 $77,000 $77,000
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) 1,660 $250,821,000 $151,000 $1,378,000 $89,000 $996,000
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 1,073 $170,473,000 $158,000 $1,378,000 $93,000 $996,000
Application Denied By Financial Institution 310 $36,671,000 $118,000 $991,000 $74,000 $487,000
Application Withdrawn By Applicant 261 $41,134,000 $157,000 $720,000 $93,000 $602,000
File Closed For Incompleteness 16 $2,543,000 $158,000 $380,000 $91,000 $204,000
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 2016 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.
For a list of all lenders in Missouri, download the full spreadsheet with aggregated HMDA statistics today.

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