Qualtrust Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Qualtrust Credit Union 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Qualtrust Credit Union Po Box 165448 Irving, TX 75016 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 310 |
| Total Mortgage Loan Application Amount | $8,722,000 |
| Average Mortgage Loan Application Amount | $72,666 |
| Highest Mortgage Loan Application Amount | $294,000 |
| Average Applicant Income | $66,666 |
| Highest Applicant Income | $268,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Qualtrust Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Qualtrust Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Qualtrust Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Qualtrust Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Qualtrust Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Qualtrust Credit Union's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tom Green County Texas | 131 | $ 2,888,000 | $ 22,000 | $ 52,000 |
| Tarrant County Texas | 45 | $ 1,759,000 | $ 39,000 | $ 89,000 |
| Dallas County Texas | 38 | $ 1,346,000 | $ 35,000 | $ 67,000 |
| Denton County Texas | 32 | $ 1,265,000 | $ 39,000 | $ 94,000 |
| Runnels County Texas | 4 | $ 46,000 | $ 11,000 | $ 65,000 |
| Collin County Texas | 3 | $ 18,000 | $ 6,000 | $ 74,000 |
| Fort Bend County Texas | 3 | $ 45,000 | $ 15,000 | $ 55,000 |
| Harris County Texas | 3 | $ 64,000 | $ 21,000 | $ 63,000 |
| Terry County Texas | 3 | $ 11,000 | $ 3,000 | $ 75,000 |
| Williamson County Texas | 3 | $ 183,000 | $ 61,000 | $ 71,000 |
| Bell County Texas | 2 | $ 99,000 | $ 49,000 | $ 94,000 |
| Bowie County Texas | 2 | $ 70,000 | $ 35,000 | $ 70,000 |
| Brazos County Texas | 2 | $ 18,000 | $ 9,000 | $ 38,000 |
| Brown County Texas | 2 | $ 10,000 | $ 5,000 | $ 40,000 |
| Calhoun County Texas | 2 | $ 4,000 | $ 2,000 | $ 60,000 |
| Hidalgo County Texas | 2 | $ 13,000 | $ 6,000 | $ 30,000 |
| Hill County Texas | 2 | $ 146,000 | $ 73,000 | $ 72,000 |
| Hunt County Texas | 2 | $ 13,000 | $ 6,000 | $ 33,000 |
| Johnson County Texas | 2 | $ 90,000 | $ 45,000 | $ 76,000 |
| Reagan County Texas | 2 | $ 4,000 | $ 2,000 | $ 44,000 |
| Benton County Arkansas | 1 | $ 1,000 | $ 1,000 | $ 84,000 |
| Cobb County Georgia | 1 | $ 5,000 | $ 5,000 | $ 55,000 |
| Cook County Illinois | 1 | $ 4,000 | $ 4,000 | $ 54,000 |
| Montgomery County Maryland | 1 | $ 3,000 | $ 3,000 | $ 52,000 |
| Lea County New Mexico | 1 | $ 9,000 | $ 9,000 | $ 102,000 |
| Lincoln County New Mexico | 1 | $ 251,000 | $ 251,000 | $ 76,000 |
| Muskogee County Oklahoma | 1 | $ 5,000 | $ 5,000 | $ 54,000 |
| Stephens County Oklahoma | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Tulsa County Oklahoma | 1 | $ 1,000 | $ 1,000 | $ 19,000 |
| Darlington County South Carolina | 1 | $ 14,000 | $ 14,000 | $ 115,000 |
| Loudon County Tennessee | 1 | $ 10,000 | $ 10,000 | $ 84,000 |
| Bastrop County Texas | 1 | $ 10,000 | $ 10,000 | $ 78,000 |
| Bexar County Texas | 1 | $ 3,000 | $ 3,000 | $ 72,000 |
| Bosque County Texas | 1 | $ 86,000 | $ 86,000 | $ 45,000 |
| Ellis County Texas | 1 | $ 9,000 | $ 9,000 | $ 51,000 |
| Fannin County Texas | 1 | $ 3,000 | $ 3,000 | $ 61,000 |
| Grayson County Texas | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Kaufman County Texas | 1 | $ 110,000 | $ 110,000 | $ 111,000 |
| Lee County Texas | 1 | $ 10,000 | $ 10,000 | $ 80,000 |
| Parmer County Texas | 1 | $ 3,000 | $ 3,000 | $ 57,000 |
| Roberts County Texas | 1 | $ 42,000 | $ 42,000 | $ 38,000 |
| Robertson County Texas | 1 | $ 3,000 | $ 3,000 | $ 43,000 |
| San Saba County Texas | 1 | $ 15,000 | $ 15,000 | $ 43,000 |
| Sutton County Texas | 1 | $ 3,000 | $ 3,000 | $ 53,000 |
| Wise County Texas | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Qualtrust Credit Union in 2007
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 Improvement | 250 | $2,316,000 | $9,000 | $60,000 | $64,000 | $268,000 |
| Home Purchase | 41 | $4,520,000 | $110,000 | $294,000 | $74,000 | $195,000 |
| Refinancing | 19 | $1,886,000 | $99,000 | $225,000 | $62,000 | $124,000 |
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 | 188 | $5,415,000 | $28,000 | $251,000 | $71,000 | $268,000 |
| Hispanic | 86 | $1,798,000 | $20,000 | $294,000 | $52,000 | $195,000 |
| Black or African American | 22 | $455,000 | $20,000 | $109,000 | $56,000 | $151,000 |
| Not Provided | 9 | $798,000 | $88,000 | $190,000 | $99,000 | $215,000 |
| Asian | 4 | $253,000 | $63,000 | $166,000 | $71,000 | $84,000 |
| American Indian or Alaskan Native | 1 | $3,000 | $3,000 | $3,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 309 | $8,632,000 | $27,000 | $294,000 | $66,000 | $268,000 |
| FHA-insured (Federal Housing Administration) | 1 | $90,000 | $90,000 | $90,000 | $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 | 225 | $7,642,000 | $33,000 | $294,000 | $70,000 | $268,000 |
| Application Denied By Financial Institution | 57 | $659,000 | $11,000 | $109,000 | $46,000 | $112,000 |
| Application Approved But Not Accepted | 21 | $359,000 | $17,000 | $40,000 | $72,000 | $175,000 |
| Application Withdrawn By Applicant | 7 | $62,000 | $8,000 | $25,000 | $75,000 | $214,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 31 | $456,000 | $14,000 | $109,000 | $47,000 | $112,000 |
| Debt-To-Income Ratio | 12 | $64,000 | $5,000 | $12,000 | $44,000 | $64,000 |
| Other | 4 | $37,000 | $9,000 | $15,000 | $35,000 | $38,000 |
| Collateral | 1 | $40,000 | $40,000 | $40,000 | $52,000 | $52,000 |
| Employment History | 1 | $12,000 | $12,000 | $12,000 | $57,000 | $57,000 |
| Mortgage Insurance Denied | 1 | $18,000 | $18,000 | $18,000 | $51,000 | $51,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Qualtrust Credit Union's 2007 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 Qualtrust 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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with aggregated HMDA statistics today.