Together Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Together Credit Union of 423 Lynch Street, MO reported 2,196 mortgage applications totaling $382.9 million, down 2% from 2023. The average application was for $174,344, and applicants reported an average income of $167,537. 63% of its applications resulted in an originated loan and 15% were denied. Its largest markets were St. Louis, MO-IL (1,657), Columbus, OH (31) and Marietta, GA (30) (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 | 2,196 |
| Total Mortgage Loan Application Amount | $382,860,000 |
| Average Mortgage Loan Application Amount | $174,344 |
| Highest Mortgage Loan Application Amount | $11,545,000 |
| Average Applicant Income | $167,537 |
| Highest Applicant Income | $7,825,000 |
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(HMDA) records Together Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,657 | $ 288,545,000 | $ 174,136 | $ 164,823 |
| Outside any metro area | 87 | $ 15,195,000 | $ 174,655 | $ 164,241 |
| Columbus, OH | 31 | $ 2,815,000 | $ 90,806 | $ 90,000 |
| Marietta, GA | 30 | $ 3,930,000 | $ 131,000 | $ 122,000 |
| Dallas-Plano-Irving, TX | 28 | $ 4,700,000 | $ 167,857 | $ 149,000 |
| Houston-The Woodlands-Sugar Land, TX | 25 | $ 3,665,000 | $ 146,600 | $ 353,000 |
| Tampa, FL | 19 | $ 2,005,000 | $ 105,526 | $ 149,000 |
| Los Angeles-Long Beach-Glendale, CA | 17 | $ 2,885,000 | $ 169,705 | $ 135,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 2,290,000 | $ 143,125 | $ 277,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 16 | $ 1,600,000 | $ 100,000 | $ 189,000 |
| Fort Collins, CO | 14 | $ 2,070,000 | $ 147,857 | $ 106,000 |
| Syracuse, NY | 14 | $ 1,440,000 | $ 102,857 | $ 106,000 |
| Jacksonville, FL | 13 | $ 2,515,000 | $ 193,461 | $ 137,000 |
| Denver-Aurora-Lakewood, CO | 8 | $ 1,810,000 | $ 226,250 | $ 95,000 |
| St. Petersburg-Clearwater-Largo, FL | 8 | $ 1,130,000 | $ 141,250 | $ 112,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,485,000 | $ 355,000 | $ 263,000 |
| Kansas City, MO-KS | 7 | $ 685,000 | $ 97,857 | $ 200,714 |
| Richmond, VA | 7 | $ 555,000 | $ 79,285 | $ 129,000 |
| Charlotte-Concord-Gastonia, NC-SC | 6 | $ 2,660,000 | $ 443,333 | $ 269,000 |
| Manchester-Nashua, NH | 6 | $ 510,000 | $ 85,000 | $ 94,000 |
| Riverside-San Bernardino-Ontario, CA | 6 | $ 1,220,000 | $ 203,333 | $ 122,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 855,000 | $ 171,000 | $ 161,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 935,000 | $ 187,000 | $ 173,000 |
| Fort Worth-Arlington, TX | 5 | $ 615,000 | $ 123,000 | $ 91,000 |
| Greeley, CO | 5 | $ 405,000 | $ 81,000 | $ 128,000 |
| Colorado Springs, CO | 4 | $ 1,100,000 | $ 275,000 | $ 108,000 |
| New York-Jersey City-White Plains, NY-NJ | 4 | $ 3,520,000 | $ 880,000 | $ 473,000 |
| Newark, NJ-PA | 4 | $ 1,910,000 | $ 477,500 | $ 179,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 610,000 | $ 152,500 | $ 120,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 600,000 | $ 150,000 | $ 116,000 |
| San Antonio-New Braunfels, TX | 4 | $ 370,000 | $ 92,500 | $ 146,000 |
| San Diego-Carlsbad, CA | 4 | $ 960,000 | $ 240,000 | $ 150,000 |
| Bakersfield, CA | 3 | $ 355,000 | $ 118,333 | $ 116,000 |
| Cape Girardeau, MO-IL | 3 | $ 585,000 | $ 195,000 | $ 116,000 |
| Columbia, SC | 3 | $ 575,000 | $ 191,666 | $ 78,000 |
| Dayton-Springfield-Kettering, OH | 3 | $ 645,000 | $ 215,000 | $ 156,000 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 1,025,000 | $ 341,666 | $ 200,000 |
| Lakeland-Winter Haven, FL | 3 | $ 185,000 | $ 61,666 | $ 65,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 245,000 | $ 81,666 | $ 127,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 945,000 | $ 315,000 | $ 136,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 765,000 | $ 255,000 | $ 271,000 |
| Springfield, MO | 3 | $ 545,000 | $ 181,666 | $ 105,000 |
| Vallejo-Fairfield, CA | 3 | $ 225,000 | $ 75,000 | $ 142,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 1,705,000 | $ 568,333 | $ 403,000 |
| Asheville, NC | 2 | $ 130,000 | $ 65,000 | $ 123,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 100,000 | $ 50,000 | $ 133,000 |
| Brownsville-Harlingen, TX | 2 | $ 80,000 | $ 40,000 | $ 47,000 |
| Cedar Rapids, IA | 2 | $ 80,000 | $ 40,000 | $ 140,000 |
| Cincinnati, OH-KY-IN | 2 | $ 450,000 | $ 225,000 | $ 2,075,000 |
| Columbia, MO | 2 | $ 630,000 | $ 315,000 | $ 69,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,030,000 | $ 515,000 | $ 434,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 440,000 | $ 220,000 | $ 39,000 |
| Durham-Chapel Hill, NC | 2 | $ 250,000 | $ 125,000 | $ 130,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 210,000 | $ 105,000 | $ 472,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 120,000 | $ 60,000 | $ 117,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 200,000 | $ 100,000 | $ 145,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 190,000 | $ 95,000 | $ 74,000 |
| Port St. Lucie, FL | 2 | $ 650,000 | $ 325,000 | $ 575,000 |
| Rockingham County-Strafford County, NH | 2 | $ 350,000 | $ 175,000 | $ 245,000 |
| Rome, GA | 2 | $ 250,000 | $ 125,000 | $ 54,000 |
| St. Joseph, MO-KS | 2 | $ 340,000 | $ 170,000 | $ 164,000 |
| Stockton-Lodi, CA | 2 | $ 530,000 | $ 265,000 | $ 117,000 |
| Wildwood-The Villages, FL | 2 | $ 390,000 | $ 195,000 | $ 86,000 |
| Worcester, MA-CT | 2 | $ 740,000 | $ 370,000 | $ 662,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 105,000 | $ 105,000 | $ 188,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 245,000 | $ 245,000 | $ 160,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Birmingham-Hoover, AL | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Bloomington, IN | 1 | $ 215,000 | $ 215,000 | $ 272,000 |
| Boston, MA | 1 | $ 75,000 | $ 75,000 | $ 305,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 1,505,000 | $ 1,505,000 | $ 285,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 15,000 | $ 15,000 | $ 143,000 |
| Charleston-North Charleston, SC | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Chattanooga, TN-GA | 1 | $ 245,000 | $ 245,000 | $ 173,000 |
| Cheyenne, WY | 1 | $ 125,000 | $ 125,000 | $ 121,000 |
| Chicago-Naperville, IL | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Clarksville, TN-KY | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| College Station-Bryan, TX | 1 | $ 345,000 | $ 345,000 | $ 83,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 235,000 | $ 235,000 | $ 243,000 |
| Des Moines-West Des Moines, IA | 1 | $ 135,000 | $ 135,000 | $ 162,000 |
| Duluth, MN-WI | 1 | $ 45,000 | $ 45,000 | $ 147,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 285,000 | $ 285,000 | $ 163,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Hammond, LA | 1 | $ 265,000 | $ 265,000 | $ 98,000 |
| Harrisburg-Carlisle, PA | 1 | $ 75,000 | $ 75,000 | $ 140,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 325,000 | $ 325,000 | $ 185,000 |
| Huntsville, AL | 1 | $ 225,000 | $ 225,000 | $ 98,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 45,000 | $ 45,000 | $ 168,000 |
| Jefferson City, MO | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Jonesboro, AR | 1 | $ 125,000 | $ 125,000 | $ 175,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 45,000 | $ 45,000 | $ 165,000 |
| Lawton, OK | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| Lexington-Fayette, KY | 1 | $ 15,000 | $ 15,000 | $ 79,000 |
| Mansfield, OH | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Modesto, CA | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 385,000 | $ 385,000 | $ 264,000 |
| Nassau County-Suffolk County, NY | 1 | $ 155,000 | $ 155,000 | $ 209,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Panama City, FL | 1 | $ 315,000 | $ 315,000 | $ 186,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 235,000 | $ 235,000 | $ 134,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 405,000 | $ 405,000 | $ 206,000 |
| Raleigh, NC | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Reno, NV | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 165,000 | $ 165,000 | $ 212,000 |
| Salt Lake City, UT | 1 | $ 385,000 | $ 385,000 | $ 1,468,000 |
| San Rafael, CA | 1 | $ 765,000 | $ 765,000 | $ 191,000 |
| Sebastian-Vero Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 152,000 |
| Springfield, IL | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Springfield, OH | 1 | $ 435,000 | $ 435,000 | $ 195,000 |
| Tallahassee, FL | 1 | $ 15,000 | $ 15,000 | $ 15,000 |
| Toledo, OH | 1 | $ 345,000 | $ 345,000 | $ 125,000 |
Mortgage Loan Application Detail Totals for Together Credit Union in 2024
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 719 | $54,665,000 | $76,000 | $465,000 | $145,000 | $4,966,000 |
| Home Purchase | 644 | $207,380,000 | $322,000 | $3,845,000 | $201,000 | $7,825,000 |
| Refinancing | 395 | $67,025,000 | $169,000 | $11,545,000 | $157,000 | $4,020,000 |
| Home Improvement | 277 | $22,435,000 | $80,000 | $355,000 | $163,000 | $5,900,000 |
| Cash-out Refinancing | 161 | $31,355,000 | $194,000 | $835,000 | $168,000 | $2,730,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,400 | $234,250,000 | $167,000 | $1,835,000 | $176,000 | $7,825,000 |
| Not Provided | 414 | $62,700,000 | $151,000 | $1,805,000 | $139,000 | $942,000 |
| Black or African American | 165 | $17,415,000 | $105,000 | $545,000 | $126,000 | $3,000,000 |
| Hispanic | 106 | $18,590,000 | $175,000 | $775,000 | $195,000 | $2,343,000 |
| Asian | 72 | $25,590,000 | $355,000 | $1,175,000 | $231,000 | $1,468,000 |
| Not applicable | 28 | $22,860,000 | $816,000 | $11,545,000 | $0 | $0 |
| American Indian or Alaskan Native | 8 | $1,060,000 | $132,000 | $255,000 | $122,000 | $184,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $395,000 | $131,000 | $245,000 | $182,000 | $329,000 |
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) | 2,194 | $382,500,000 | $174,000 | $11,545,000 | $167,000 | $7,825,000 |
| FHA-insured (Federal Housing Administration) | 2 | $360,000 | $180,000 | $245,000 | $78,000 | $103,000 |
| 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 | 1,387 | $253,985,000 | $183,000 | $11,545,000 | $146,000 | $1,468,000 |
| Application Withdrawn By Applicant | 347 | $69,445,000 | $200,000 | $1,205,000 | $227,000 | $7,825,000 |
| Application Denied By Financial Institution | 339 | $39,215,000 | $115,000 | $1,835,000 | $160,000 | $5,900,000 |
| File Closed For Incompleteness | 122 | $20,100,000 | $164,000 | $1,265,000 | $257,000 | $4,020,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $132,000 | $132,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,857 | $343,645,000 | $185,000 | $11,545,000 | $169,000 | $7,825,000 |
| Credit History | 172 | $14,870,000 | $86,000 | $425,000 | $173,000 | $4,966,000 |
| Debt-To-Income Ratio | 93 | $11,585,000 | $124,000 | $855,000 | $81,000 | $247,000 |
| Other | 34 | $7,940,000 | $233,000 | $1,835,000 | $333,000 | $5,900,000 |
| Collateral | 28 | $3,300,000 | $117,000 | $515,000 | $127,000 | $407,000 |
| Unverifiable Information | 9 | $1,215,000 | $135,000 | $385,000 | $208,000 | $784,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $150,000 | $75,000 | $95,000 | $107,000 | $110,000 |
| Credit Application Incomplete | 1 | $155,000 | $155,000 | $155,000 | $52,000 | $52,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Together Credit Union's 2024 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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