Together Credit Union Mortgage Lending & HMDA Data, 2017

In 2017, Together Credit Union of 423 Lynch Street, MO reported 1,417 mortgage applications totaling $244.6 million, down 15% from 2016. The average application was for $172,635, and applicants reported an average income of $99,803. 56% of its applications resulted in an originated loan and 21% were denied. Its largest markets were St. Louis, MO-IL (926), Houston-The Woodlands-Sugar Land, TX (51) and Dallas-Plano-Irving, TX (43) (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 1,417
Total Mortgage Loan Application Amount $244,625,000
Average Mortgage Loan Application Amount $172,635
Highest Mortgage Loan Application Amount $2,500,000
Average Applicant Income $99,803
Highest Applicant Income $750,000

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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

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 413 $ 72,367,000 $ 175,222 $ 99,000
St. Louis City, Missouri 173 $ 24,622,000 $ 142,323 $ 95,000
Jefferson, Missouri 155 $ 20,824,000 $ 134,348 $ 80,000
St. Charles, Missouri 110 $ 20,085,000 $ 182,590 $ 109,000
Harris, Texas 36 $ 4,187,000 $ 116,305 $ 95,000
Dallas, Texas 32 $ 3,496,000 $ 109,250 $ 75,000
St. Clair, Illinois 27 $ 3,316,000 $ 122,814 $ 105,000
Los Angeles, California 24 $ 10,821,000 $ 450,875 $ 107,000
Hillsborough, Florida 22 $ 3,253,000 $ 147,863 $ 71,000
Franklin, Ohio 16 $ 1,835,000 $ 114,687 $ 87,000
Madison, Illinois 15 $ 2,351,000 $ 156,733 $ 102,000
Orange, Florida 13 $ 3,397,000 $ 261,307 $ 93,000
Tarrant, Texas 13 $ 3,016,000 $ 232,000 $ 139,000
Bexar, Texas 11 $ 997,000 $ 90,636 $ 72,000
Pasco, Florida 10 $ 1,344,000 $ 134,400 $ 89,000
Bartow, Georgia 10 $ 1,528,000 $ 152,800 $ 79,000
Franklin, Missouri 10 $ 2,106,000 $ 210,600 $ 129,000
Monroe, Illinois 9 $ 1,789,000 $ 198,777 $ 116,000
Duval, Florida 8 $ 1,589,000 $ 198,625 $ 90,000
Onondaga, New York 8 $ 657,000 $ 82,125 $ 79,000
Lincoln, Missouri 7 $ 1,198,000 $ 171,142 $ 80,000
Montgomery, Texas 7 $ 1,037,000 $ 148,142 $ 105,000
Larimer, Colorado 6 $ 1,801,000 $ 300,166 $ 99,000
St. Francois, Missouri 6 $ 743,000 $ 123,833 $ 97,000
Hillsborough, New Hampshire 6 $ 1,179,000 $ 196,500 $ 93,000
Delaware, Ohio 6 $ 1,131,000 $ 188,500 $ 81,000
Ellis, Texas 6 $ 1,247,000 $ 207,833 $ 115,000
Riverside, California 5 $ 1,021,000 $ 204,200 $ 131,000
San Bernardino, California 5 $ 948,000 $ 189,600 $ 106,000
San Diego, California 5 $ 1,335,000 $ 267,000 $ 101,000
Weld, Colorado 5 $ 1,230,000 $ 246,000 $ 81,000
Nassau, Florida 5 $ 904,000 $ 180,800 $ 102,000
Pinellas, Florida 5 $ 773,000 $ 154,600 $ 109,000
Warren, Missouri 4 $ 765,000 $ 191,250 $ 82,000
Fairfield, Ohio 4 $ 801,000 $ 200,250 $ 74,000
Denton, Texas 4 $ 374,000 $ 93,500 $ 101,000
Maricopa, Arizona 3 $ 893,000 $ 297,666 $ 131,000
Charlotte, Florida 3 $ 522,000 $ 174,000 $ 93,000
Lake, Florida 3 $ 430,000 $ 143,333 $ 81,000
DeKalb, Georgia 3 $ 280,000 $ 93,333 $ 77,000
Fulton, Georgia 3 $ 309,000 $ 103,000 $ 81,000
Cook, Illinois 3 $ 909,000 $ 303,000 $ 158,000
Crawford, Missouri 3 $ 487,000 $ 162,333 $ 81,000
Ste. Genevieve, Missouri 3 $ 253,000 $ 84,333 $ 67,000
Merrimack, New Hampshire 3 $ 408,000 $ 136,000 $ 98,000
Cayuga, New York 3 $ 124,000 $ 41,333 $ 75,000
Oswego, New York 3 $ 270,000 $ 90,000 $ 103,000
Brazoria, Texas 3 $ 441,000 $ 147,000 $ 137,000
Fort Bend, Texas 3 $ 413,000 $ 137,666 $ 96,000
Benton, Arkansas 2 $ 317,000 $ 158,500 $ 89,000
Denver, Colorado 2 $ 432,000 $ 216,000 $ 79,000
La Plata, Colorado 2 $ 356,000 $ 178,000 $ 192,000
Broward, Florida 2 $ 40,000 $ 20,000 $ 126,000
Lee, Florida 2 $ 385,000 $ 192,500 $ 87,000
Manatee, Florida 2 $ 268,000 $ 134,000 $ 88,000
Monroe, Florida 2 $ 873,000 $ 436,500 $ 195,000
Okaloosa, Florida 2 $ 188,000 $ 94,000 $ 217,000
Cobb, Georgia 2 $ 472,000 $ 236,000 $ 165,000
Floyd, Georgia 2 $ 146,000 $ 73,000 $ 141,000
Williamson, Illinois 2 $ 496,000 $ 248,000 $ 267,000
Douglas, Kansas 2 $ 541,000 $ 270,500 $ 93,000
Hennepin, Minnesota 2 $ 319,000 $ 159,500 $ 42,000
Barry, Missouri 2 $ 919,000 $ 459,500 $ 295,000
Cole, Missouri 2 $ 223,000 $ 111,500 $ 35,000
Stone, Missouri 2 $ 266,000 $ 133,000 $ 83,000
Erie, New York 2 $ 402,000 $ 201,000 $ 130,000
Wake, North Carolina 2 $ 696,000 $ 348,000 $ 157,000
Licking, Ohio 2 $ 277,000 $ 138,500 $ 93,000
Miami, Ohio 2 $ 457,000 $ 228,500 $ 129,000
York, South Carolina 2 $ 241,000 $ 120,500 $ 84,000
Sumner, Tennessee 2 $ 455,000 $ 227,500 $ 163,000
Williamson, Tennessee 2 $ 449,000 $ 224,500 $ 99,000
Comal, Texas 2 $ 530,000 $ 265,000 $ 72,000
Guadalupe, Texas 2 $ 225,000 $ 112,500 $ 92,000
San Jacinto, Texas 2 $ 431,000 $ 215,500 $ 98,000
Hampton, Virginia 2 $ 143,000 $ 71,500 $ 91,000
James City, Virginia 2 $ 574,000 $ 287,000 $ 94,000
New Kent, Virginia 2 $ 544,000 $ 272,000 $ 62,000
Newport News, Virginia 2 $ 432,000 $ 216,000 $ 82,000
Calhoun, Alabama 1 $ 99,000 $ 99,000 $ 43,000
Marion, Arkansas 1 $ 120,000 $ 120,000 $ 142,000
Pulaski, Arkansas 1 $ 162,000 $ 162,000 $ 129,000
Contra Costa, California 1 $ 244,000 $ 244,000 $ 75,000
San Francisco, California 1 $ 1,000,000 $ 1,000,000 $ 294,000
Santa Clara, California 1 $ 640,000 $ 640,000 $ 165,000
Shasta, California 1 $ 203,000 $ 203,000 $ 43,000
Solano, California 1 $ 549,000 $ 549,000 $ 179,000
Stanislaus, California 1 $ 293,000 $ 293,000 $ 116,000
Ventura, California 1 $ 585,000 $ 585,000 $ 130,000
Adams, Colorado 1 $ 258,000 $ 258,000 $ 68,000
Arapahoe, Colorado 1 $ 50,000 $ 50,000 $ 23,000
Gunnison, Colorado 1 $ 150,000 $ 150,000 $ 357,000
Middlesex, Connecticut 1 $ 390,000 $ 390,000 $ 732,000
New Haven, Connecticut 1 $ 329,000 $ 329,000 $ 144,000
Brevard, Florida 1 $ 10,000 $ 10,000 $ 89,000
Hernando, Florida 1 $ 165,000 $ 165,000 $ 184,000
Indian River, Florida 1 $ 169,000 $ 169,000 $ 66,000
Marion, Florida 1 $ 20,000 $ 20,000 $ 125,000
Osceola, Florida 1 $ 178,000 $ 178,000 $ 53,000
Palm Beach, Florida 1 $ 159,000 $ 159,000 $ 110,000
Polk, Florida 1 $ 124,000 $ 124,000 $ 37,000
St. Johns, Florida 1 $ 159,000 $ 159,000 $ 56,000
Sumter, Florida 1 $ 192,000 $ 192,000 $ 116,000
Walton, Florida 1 $ 388,000 $ 388,000 $ 189,000
Cherokee, Georgia 1 $ 436,000 $ 436,000 $ 123,000
Fannin, Georgia 1 $ 95,000 $ 95,000 $ 68,000
Gwinnett, Georgia 1 $ 116,000 $ 116,000 $ 87,000
Henry, Georgia 1 $ 179,000 $ 179,000 $ 78,000
Paulding, Georgia 1 $ 60,000 $ 60,000 $ 78,000
Polk, Georgia 1 $ 72,000 $ 72,000 $ 92,000
Boundary, Idaho 1 $ 81,000 $ 81,000 $ 86,000
Calhoun, Illinois 1 $ 130,000 $ 130,000 $ 165,000
Clinton, Illinois 1 $ 250,000 $ 250,000 $ 92,000
Kane, Illinois 1 $ 110,000 $ 110,000 $ 73,000
Lake, Illinois 1 $ 435,000 $ 435,000 $ 193,000
Macoupin, Illinois 1 $ 56,000 $ 56,000 $ 67,000
Randolph, Illinois 1 $ 295,000 $ 295,000 $ 160,000
Washington, Illinois 1 $ 98,000 $ 98,000 $ 87,000
Marion, Indiana 1 $ 184,000 $ 184,000 $ 69,000
Linn, Iowa 1 $ 189,000 $ 189,000 $ 82,000
Scott, Iowa 1 $ 202,000 $ 202,000 $ 83,000
Ellis, Kansas 1 $ 134,000 $ 134,000 $ 52,000
Johnson, Kansas 1 $ 90,000 $ 90,000 $ 135,000
Fayette, Kentucky 1 $ 149,000 $ 149,000 $ 72,000
Ouachita, Louisiana 1 $ 59,000 $ 59,000 $ 120,000
Anne Arundel, Maryland 1 $ 497,000 $ 497,000 $ 153,000
Middlesex, Massachusetts 1 $ 816,000 $ 816,000 $ 266,000
Worcester, Massachusetts 1 $ 918,000 $ 918,000 $ 531,000
Oakland, Michigan 1 $ 459,000 $ 459,000 $ 363,000
Marshall, Mississippi 1 $ 320,000 $ 320,000 $ 315,000
Camden, Missouri 1 $ 42,000 $ 42,000 $ 50,000
Cass, Missouri 1 $ 328,000 $ 328,000 $ 205,000
Clay, Missouri 1 $ 230,000 $ 230,000 $ 164,000
Clinton, Missouri 1 $ 182,000 $ 182,000 $ 71,000
Hickory, Missouri 1 $ 36,000 $ 36,000 $ 69,000
Macon, Missouri 1 $ 111,000 $ 111,000 $ 86,000
Maries, Missouri 1 $ 176,000 $ 176,000 $ 164,000
Montgomery, Missouri 1 $ 94,000 $ 94,000 $ 45,000
Stoddard, Missouri 1 $ 195,000 $ 195,000 $ 110,000
Cheshire, New Hampshire 1 $ 23,000 $ 23,000 $ 30,000
Strafford, New Hampshire 1 $ 192,000 $ 192,000 $ 126,000
Bergen, New Jersey 1 $ 20,000 $ 20,000 $ 127,000
Hudson, New Jersey 1 $ 507,000 $ 507,000 $ 98,000
Mercer, New Jersey 1 $ 328,000 $ 328,000 $ 149,000
Monmouth, New Jersey 1 $ 312,000 $ 312,000 $ 202,000
Passaic, New Jersey 1 $ 34,000 $ 34,000 $ 35,000
Union, New Jersey 1 $ 148,000 $ 148,000 $ 142,000
Santa Fe, New Mexico 1 $ 231,000 $ 231,000 $ 98,000
Essex, New York 1 $ 99,000 $ 99,000 $ 170,000
Jefferson, New York 1 $ 244,000 $ 244,000 $ 114,000
Schuyler, New York 1 $ 230,000 $ 230,000 $ 124,000
Wayne, New York 1 $ 95,000 $ 95,000 $ 55,000
Westchester, New York 1 $ 831,000 $ 831,000 $ 283,000
Brunswick, North Carolina 1 $ 182,000 $ 182,000 $ 61,000
Haywood, North Carolina 1 $ 121,000 $ 121,000 $ 58,000
Iredell, North Carolina 1 $ 247,000 $ 247,000 $ 48,000
Johnston, North Carolina 1 $ 263,000 $ 263,000 $ 130,000
Union, North Carolina 1 $ 391,000 $ 391,000 $ 216,000
Knox, Ohio 1 $ 77,000 $ 77,000 $ 98,000
Marion, Ohio 1 $ 226,000 $ 226,000 $ 50,000
Perry, Ohio 1 $ 240,000 $ 240,000 $ 96,000
Richland, Ohio 1 $ 15,000 $ 15,000 $ 140,000
Union, Ohio 1 $ 386,000 $ 386,000 $ 173,000
Canadian, Oklahoma 1 $ 40,000 $ 40,000 $ 119,000
Stephens, Oklahoma 1 $ 43,000 $ 43,000 $ 105,000
Tulsa, Oklahoma 1 $ 162,000 $ 162,000 $ 87,000
Allegheny, Pennsylvania 1 $ 140,000 $ 140,000 $ 71,000
Monroe, Pennsylvania 1 $ 140,000 $ 140,000 $ 72,000
Newport, Rhode Island 1 $ 72,000 $ 72,000 $ 180,000
Charleston, South Carolina 1 $ 239,000 $ 239,000 $ 86,000
Cumberland, Tennessee 1 $ 185,000 $ 185,000 $ 166,000
Knox, Tennessee 1 $ 153,000 $ 153,000 $ 75,000
Shelby, Tennessee 1 $ 291,000 $ 291,000 $ 269,000
Brazos, Texas 1 $ 90,000 $ 90,000 $ 69,000
Collin, Texas 1 $ 60,000 $ 60,000 $ 75,000
Galveston, Texas 1 $ 148,000 $ 148,000 $ 66,000
Hood, Texas 1 $ 419,000 $ 419,000 $ 141,000
Liberty, Texas 1 $ 60,000 $ 60,000 $ 77,000
Lubbock, Texas 1 $ 137,000 $ 137,000 $ 110,000
Medina, Texas 1 $ 185,000 $ 185,000 $ 96,000
Red River, Texas 1 $ 53,000 $ 53,000 $ 16,000
Smith, Texas 1 $ 102,000 $ 102,000 $ 75,000
Travis, Texas 1 $ 267,000 $ 267,000 $ 85,000
Wilson, Texas 1 $ 305,000 $ 305,000 $ 121,000
Tooele, Utah 1 $ 50,000 $ 50,000 $ 135,000
Charlottesville, Virginia 1 $ 202,000 $ 202,000 $ 39,000
Fairfax, Virginia 1 $ 524,000 $ 524,000 $ 154,000
Henrico, Virginia 1 $ 536,000 $ 536,000 $ 177,000
Stafford, Virginia 1 $ 270,000 $ 270,000 $ 95,000
Virginia Beach, Virginia 1 $ 198,000 $ 198,000 $ 62,000
York, Virginia 1 $ 25,000 $ 25,000 $ 79,000
Clark, Washington 1 $ 238,000 $ 238,000 $ 36,000
King, Washington 1 $ 173,000 $ 173,000 $ 61,000
Thurston, Washington 1 $ 580,000 $ 580,000 $ 120,000
Milwaukee, Wisconsin 1 $ 603,000 $ 603,000 $ 376,000
Waupaca, Wisconsin 1 $ 130,000 $ 130,000 $ 50,000

Mortgage Loan Application Detail Totals for Together Credit Union in 2017

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
Home Purchase 684 $133,857,000 $195,000 $1,160,000 $107,000 $750,000
Refinancing 600 $96,941,000 $161,000 $894,000 $92,000 $732,000
Home Improvement 133 $13,827,000 $103,000 $2,500,000 $98,000 $480,000

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 953 $169,413,000 $177,000 $2,500,000 $102,000 $750,000
Not Provided 239 $45,427,000 $190,000 $1,000,000 $103,000 $549,000
Black or African American 120 $15,389,000 $128,000 $440,000 $87,000 $297,000
Hispanic 72 $9,327,000 $129,000 $425,000 $76,000 $279,000
Asian 22 $4,006,000 $182,000 $507,000 $103,000 $266,000
American Indian or Alaskan Native 7 $824,000 $117,000 $431,000 $85,000 $176,000
Native Hawaiian or Other Pacific Islander 4 $239,000 $59,000 $90,000 $81,000 $112,000
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) 1,417 $244,625,000 $172,000 $2,500,000 $99,000 $750,000
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 796 $140,476,000 $176,000 $1,160,000 $101,000 $549,000
Application Withdrawn By Applicant 321 $57,444,000 $178,000 $640,000 $110,000 $750,000
Application Denied By Financial Institution 300 $46,705,000 $155,000 $2,500,000 $85,000 $480,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 2017 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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