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 |
| 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 | 1,417 |
| 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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 926 | $ 149,859,000 | $ 161,834 | $ 96,583 |
| Houston-The Woodlands-Sugar Land, TX | 51 | $ 6,286,000 | $ 123,254 | $ 98,000 |
| Dallas-Plano-Irving, TX | 43 | $ 5,177,000 | $ 120,395 | $ 83,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 5,535,000 | $ 145,657 | $ 84,000 |
| Columbus, OH | 30 | $ 4,670,000 | $ 155,666 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 24 | $ 10,821,000 | $ 450,875 | $ 107,000 |
| Atlanta-Sandy Springs-Roswell, GA | 22 | $ 3,380,000 | $ 153,636 | $ 89,000 |
| Orlando-Kissimmee-Sanford, FL | 17 | $ 4,005,000 | $ 235,588 | $ 89,000 |
| San Antonio-New Braunfels, TX | 17 | $ 2,242,000 | $ 131,882 | $ 78,000 |
| Fort Worth-Arlington, TX | 14 | $ 3,435,000 | $ 245,357 | $ 139,000 |
| Jacksonville, FL | 14 | $ 2,652,000 | $ 189,428 | $ 92,000 |
| Syracuse, NY | 11 | $ 927,000 | $ 84,272 | $ 86,000 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 1,969,000 | $ 196,900 | $ 118,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,372,000 | $ 171,500 | $ 84,000 |
| Fort Collins, CO | 6 | $ 1,801,000 | $ 300,166 | $ 99,000 |
| Manchester-Nashua, NH | 6 | $ 1,179,000 | $ 196,500 | $ 93,000 |
| Greeley, CO | 5 | $ 1,230,000 | $ 246,000 | $ 81,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,704,000 | $ 340,800 | $ 148,600 |
| San Diego-Carlsbad, CA | 5 | $ 1,335,000 | $ 267,000 | $ 101,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 879,000 | $ 219,750 | $ 108,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 740,000 | $ 185,000 | $ 62,000 |
| Kansas City, MO-KS | 4 | $ 830,000 | $ 207,500 | $ 143,250 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 904,000 | $ 226,000 | $ 131,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 909,000 | $ 303,000 | $ 158,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 576,000 | $ 192,000 | $ 207,000 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 893,000 | $ 297,666 | $ 131,000 |
| Punta Gorda, FL | 3 | $ 522,000 | $ 174,000 | $ 93,000 |
| Raleigh, NC | 3 | $ 959,000 | $ 319,666 | $ 148,000 |
| Richmond, VA | 3 | $ 1,080,000 | $ 360,000 | $ 100,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 402,000 | $ 201,000 | $ 130,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 385,000 | $ 192,500 | $ 87,000 |
| Carbondale-Marion, IL | 2 | $ 496,000 | $ 248,000 | $ 267,000 |
| Dayton, OH | 2 | $ 457,000 | $ 228,500 | $ 129,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 2 | $ 317,000 | $ 158,500 | $ 89,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 40,000 | $ 20,000 | $ 126,000 |
| Jefferson City, MO | 2 | $ 223,000 | $ 111,500 | $ 35,000 |
| Lawrence, KS | 2 | $ 541,000 | $ 270,500 | $ 93,000 |
| Memphis, TN-MS-AR | 2 | $ 611,000 | $ 305,500 | $ 292,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 319,000 | $ 159,500 | $ 42,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 268,000 | $ 134,000 | $ 88,000 |
| Rome, GA | 2 | $ 146,000 | $ 73,000 | $ 141,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 794,000 | $ 397,000 | $ 124,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| Asheville, NC | 1 | $ 121,000 | $ 121,000 | $ 58,000 |
| Austin-Round Rock, TX | 1 | $ 267,000 | $ 267,000 | $ 85,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 497,000 | $ 497,000 | $ 153,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 816,000 | $ 816,000 | $ 266,000 |
| Cedar Rapids, IA | 1 | $ 189,000 | $ 189,000 | $ 82,000 |
| Charleston-North Charleston, SC | 1 | $ 239,000 | $ 239,000 | $ 86,000 |
| Charlottesville, VA | 1 | $ 202,000 | $ 202,000 | $ 39,000 |
| College Station-Bryan, TX | 1 | $ 90,000 | $ 90,000 | $ 69,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 202,000 | $ 202,000 | $ 83,000 |
| East Stroudsburg, PA | 1 | $ 140,000 | $ 140,000 | $ 72,000 |
| Elgin, IL | 1 | $ 110,000 | $ 110,000 | $ 73,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 390,000 | $ 390,000 | $ 732,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 184,000 | $ 184,000 | $ 69,000 |
| Knoxville, TN | 1 | $ 153,000 | $ 153,000 | $ 75,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 435,000 | $ 435,000 | $ 193,000 |
| Lakeland-Winter Haven, FL | 1 | $ 124,000 | $ 124,000 | $ 37,000 |
| Lexington-Fayette, KY | 1 | $ 149,000 | $ 149,000 | $ 72,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 162,000 | $ 162,000 | $ 129,000 |
| Lubbock, TX | 1 | $ 137,000 | $ 137,000 | $ 110,000 |
| Mansfield, OH | 1 | $ 15,000 | $ 15,000 | $ 140,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 603,000 | $ 603,000 | $ 376,000 |
| Modesto, CA | 1 | $ 293,000 | $ 293,000 | $ 116,000 |
| Monroe, LA | 1 | $ 59,000 | $ 59,000 | $ 120,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 182,000 | $ 182,000 | $ 61,000 |
| New Haven-Milford, CT | 1 | $ 329,000 | $ 329,000 | $ 144,000 |
| Newark, NJ-PA | 1 | $ 148,000 | $ 148,000 | $ 142,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 244,000 | $ 244,000 | $ 75,000 |
| Ocala, FL | 1 | $ 20,000 | $ 20,000 | $ 125,000 |
| Oklahoma City, OK | 1 | $ 40,000 | $ 40,000 | $ 119,000 |
| Olympia-Tumwater, WA | 1 | $ 580,000 | $ 580,000 | $ 120,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 585,000 | $ 585,000 | $ 130,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 10,000 | $ 10,000 | $ 89,000 |
| Pittsburgh, PA | 1 | $ 140,000 | $ 140,000 | $ 71,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 238,000 | $ 238,000 | $ 36,000 |
| Providence-Warwick, RI-MA | 1 | $ 72,000 | $ 72,000 | $ 180,000 |
| Redding, CA | 1 | $ 203,000 | $ 203,000 | $ 43,000 |
| Rochester, NY | 1 | $ 95,000 | $ 95,000 | $ 55,000 |
| Rockingham County-Strafford County, NH | 1 | $ 192,000 | $ 192,000 | $ 126,000 |
| Salt Lake City, UT | 1 | $ 50,000 | $ 50,000 | $ 135,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 1,000,000 | $ 1,000,000 | $ 294,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 640,000 | $ 640,000 | $ 165,000 |
| Santa Fe, NM | 1 | $ 231,000 | $ 231,000 | $ 98,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 173,000 | $ 173,000 | $ 61,000 |
| Sebastian-Vero Beach, FL | 1 | $ 169,000 | $ 169,000 | $ 66,000 |
| The Villages, FL | 1 | $ 192,000 | $ 192,000 | $ 116,000 |
| Trenton, NJ | 1 | $ 328,000 | $ 328,000 | $ 149,000 |
| Tulsa, OK | 1 | $ 162,000 | $ 162,000 | $ 87,000 |
| Tyler, TX | 1 | $ 102,000 | $ 102,000 | $ 75,000 |
| Vallejo-Fairfield, CA | 1 | $ 549,000 | $ 549,000 | $ 179,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 459,000 | $ 459,000 | $ 363,000 |
| Watertown-Fort Drum, NY | 1 | $ 244,000 | $ 244,000 | $ 114,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 159,000 | $ 159,000 | $ 110,000 |
| Worcester, MA-CT | 1 | $ 918,000 | $ 918,000 | $ 531,000 |
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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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