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 |
| 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 | 1,175 |
| 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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Louis, MO-IL | 734 | $ 97,333,000 | $ 132,606 | $ 82,926 |
| Houston-The Woodlands-Sugar Land, TX | 43 | $ 5,222,000 | $ 121,441 | $ 85,000 |
| Tampa-St. Petersburg-Clearwater, FL | 32 | $ 5,597,000 | $ 174,906 | $ 97,000 |
| Dallas-Plano-Irving, TX | 26 | $ 2,530,000 | $ 97,307 | $ 97,000 |
| Columbus, OH | 23 | $ 2,702,000 | $ 117,478 | $ 85,000 |
| Orlando-Kissimmee-Sanford, FL | 20 | $ 3,633,000 | $ 181,650 | $ 108,000 |
| Syracuse, NY | 20 | $ 1,379,000 | $ 68,950 | $ 67,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 18 | $ 2,197,000 | $ 122,055 | $ 73,000 |
| Los Angeles-Long Beach-Glendale, CA | 15 | $ 3,131,000 | $ 208,733 | $ 88,000 |
| Jacksonville, FL | 14 | $ 2,639,000 | $ 188,500 | $ 112,000 |
| Atlanta-Sandy Springs-Roswell, GA | 10 | $ 1,572,000 | $ 157,200 | $ 86,000 |
| San Antonio-New Braunfels, TX | 10 | $ 1,680,000 | $ 168,000 | $ 91,000 |
| Fort Collins, CO | 9 | $ 788,000 | $ 87,555 | $ 79,000 |
| Newark, NJ-PA | 9 | $ 1,175,000 | $ 130,555 | $ 85,888 |
| Manchester-Nashua, NH | 7 | $ 1,310,000 | $ 187,142 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 1,321,000 | $ 188,714 | $ 79,000 |
| Rome, GA | 7 | $ 607,000 | $ 86,714 | $ 92,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,081,000 | $ 180,166 | $ 154,000 |
| New York-Jersey City-White Plains, NY-NJ | 6 | $ 4,628,000 | $ 771,333 | $ 228,333 |
| Springfield, MO | 6 | $ 513,000 | $ 85,500 | $ 85,000 |
| Chicago-Naperville-Arlington Heights, IL | 4 | $ 652,000 | $ 163,000 | $ 114,000 |
| Kansas City, MO-KS | 4 | $ 870,000 | $ 217,500 | $ 97,000 |
| Lakeland-Winter Haven, FL | 4 | $ 456,000 | $ 114,000 | $ 77,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 717,000 | $ 179,250 | $ 175,000 |
| Vallejo-Fairfield, CA | 4 | $ 560,000 | $ 140,000 | $ 118,000 |
| Cape Girardeau, MO-IL | 3 | $ 236,000 | $ 78,666 | $ 92,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 175,000 | $ 58,333 | $ 71,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 935,000 | $ 311,666 | $ 139,000 |
| Greeley, CO | 3 | $ 521,000 | $ 173,666 | $ 92,000 |
| Jonesboro, AR | 3 | $ 232,000 | $ 77,333 | $ 56,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 320,000 | $ 106,666 | $ 112,000 |
| Richmond, VA | 3 | $ 398,000 | $ 132,666 | $ 96,000 |
| San Diego-Carlsbad, CA | 3 | $ 384,000 | $ 128,000 | $ 66,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 14,000 | $ 7,000 | $ 136,000 |
| Austin-Round Rock, TX | 2 | $ 581,000 | $ 290,500 | $ 120,000 |
| Columbia, MO | 2 | $ 180,000 | $ 90,000 | $ 34,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 2,095,000 | $ 1,047,500 | $ 437,000 |
| Oklahoma City, OK | 2 | $ 430,000 | $ 215,000 | $ 97,000 |
| Rockingham County-Strafford County, NH | 2 | $ 160,000 | $ 80,000 | $ 45,000 |
| Tulsa, OK | 2 | $ 363,000 | $ 181,500 | $ 75,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 103,000 | $ 103,000 | $ 74,000 |
| Asheville, NC | 1 | $ 13,000 | $ 13,000 | $ 31,000 |
| Bakersfield, CA | 1 | $ 100,000 | $ 100,000 | $ 165,000 |
| Baton Rouge, LA | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 900,000 | $ 900,000 | $ 380,000 |
| Brunswick, GA | 1 | $ 138,000 | $ 138,000 | $ 57,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 230,000 | $ 230,000 | $ 79,000 |
| Cincinnati, OH-KY-IN | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Colorado Springs, CO | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Columbia, SC | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 140,000 | $ 140,000 | $ 40,000 |
| Des Moines-West Des Moines, IA | 1 | $ 20,000 | $ 20,000 | $ 127,000 |
| Durham-Chapel Hill, NC | 1 | $ 32,000 | $ 32,000 | $ 85,000 |
| Dutchess County-Putnam County, NY | 1 | $ 375,000 | $ 375,000 | $ 122,000 |
| Gadsden, AL | 1 | $ 173,000 | $ 173,000 | $ 130,000 |
| Gainesville, FL | 1 | $ 127,000 | $ 127,000 | $ 50,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 171,000 | $ 171,000 | $ 148,000 |
| Kankakee, IL | 1 | $ 100,000 | $ 100,000 | $ 51,000 |
| Kingston, NY | 1 | $ 26,000 | $ 26,000 | $ 97,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
| Lancaster, PA | 1 | $ 100,000 | $ 100,000 | $ 56,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 154,000 | $ 154,000 | $ 63,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 142,000 | $ 142,000 | $ 108,000 |
| Lubbock, TX | 1 | $ 171,000 | $ 171,000 | $ 113,000 |
| Madison, WI | 1 | $ 257,000 | $ 257,000 | $ 92,000 |
| Midland, TX | 1 | $ 238,000 | $ 238,000 | $ 126,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 614,000 | $ 614,000 | $ 330,000 |
| Modesto, CA | 1 | $ 50,000 | $ 50,000 | $ 112,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 259,000 | $ 259,000 | $ 132,000 |
| Nassau County-Suffolk County, NY | 1 | $ 25,000 | $ 25,000 | $ 127,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Owensboro, KY | 1 | $ 272,000 | $ 272,000 | $ 170,000 |
| Punta Gorda, FL | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 247,000 | $ 247,000 | $ 121,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 213,000 | $ 213,000 | $ 38,000 |
| Stockton-Lodi, CA | 1 | $ 280,000 | $ 280,000 | $ 152,000 |
| Tacoma-Lakewood, WA | 1 | $ 172,000 | $ 172,000 | $ 93,000 |
| Terre Haute, IN | 1 | $ 180,000 | $ 180,000 | $ 121,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 482,000 | $ 482,000 | $ 122,000 |
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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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