Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2020

In 2020, Charles Schwab Bank, SSB of Lone Tree, CO reported 15,787 mortgage applications totaling $9.7 billion, up 62% from 2019. The average application was for $614,433, and applicants reported an average income of $306,205. 54% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (986), San Francisco-Redwood City-South San Francisco, CA (954) and Los Angeles-Long Beach-Glendale, CA (946) (applications in parentheses).

Mortgage Company & Address Charles Schwab Bank, SSB

Lone Tree, CO 80124
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  
Total Number of Mortgage Applications 15,787
Total Mortgage Loan Application Amount $9,700,065,000
Average Mortgage Loan Application Amount $614,433
Highest Mortgage Loan Application Amount $14,005,000
Average Applicant Income $306,205
Highest Applicant Income $7,782,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Charles Schwab Bank, SSB by County in 2020

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 946 $ 758,830,000 $ 802,145 $ 373,000
Santa Clara, California 770 $ 593,520,000 $ 770,805 $ 332,000
Orange, California 639 $ 440,705,000 $ 689,679 $ 297,000
San Diego, California 597 $ 412,595,000 $ 691,113 $ 306,000
San Mateo, California 545 $ 475,505,000 $ 872,486 $ 408,000
Contra Costa, California 521 $ 342,965,000 $ 658,282 $ 299,000
King, Washington 513 $ 375,605,000 $ 732,173 $ 333,000
Alameda, California 465 $ 298,695,000 $ 642,354 $ 263,000
Maricopa, Arizona 464 $ 244,720,000 $ 527,413 $ 272,000
San Francisco, California 409 $ 324,215,000 $ 792,701 $ 354,000
Marin, California 325 $ 241,325,000 $ 742,538 $ 315,000
Cook, Illinois 296 $ 168,390,000 $ 568,885 $ 330,000
Sonoma, California 182 $ 103,300,000 $ 567,582 $ 273,000
Riverside, California 172 $ 83,990,000 $ 488,313 $ 247,000
Fairfield, Connecticut 168 $ 126,680,000 $ 754,047 $ 410,000
Denver, Colorado 149 $ 89,335,000 $ 599,563 $ 256,000
Fulton, Georgia 145 $ 90,985,000 $ 627,482 $ 348,000
Clark, Nevada 126 $ 66,720,000 $ 529,523 $ 249,000
Douglas, Colorado 125 $ 60,705,000 $ 485,640 $ 241,000
Middlesex, Massachusetts 119 $ 79,435,000 $ 667,521 $ 340,000
Fairfax, Virginia 118 $ 73,310,000 $ 621,271 $ 331,000
Montgomery, Maryland 117 $ 68,285,000 $ 583,632 $ 335,000
Santa Barbara, California 115 $ 101,965,000 $ 886,652 $ 339,000
Harris, Texas 108 $ 73,200,000 $ 677,777 $ 388,000
Washoe, Nevada 106 $ 58,700,000 $ 553,773 $ 245,000
Boulder, Colorado 105 $ 63,675,000 $ 606,428 $ 286,000
Palm Beach, Florida 105 $ 67,535,000 $ 643,190 $ 319,000
Placer, California 103 $ 57,385,000 $ 557,135 $ 367,000
DuPage, Illinois 102 $ 47,370,000 $ 464,411 $ 301,000
Arapahoe, Colorado 101 $ 55,865,000 $ 553,118 $ 257,000
Dallas, Texas 101 $ 77,595,000 $ 768,267 $ 428,000
New York, New York 99 $ 82,875,000 $ 837,121 $ 453,000
Hennepin, Minnesota 98 $ 49,650,000 $ 506,632 $ 286,000
Ventura, California 91 $ 58,985,000 $ 648,186 $ 264,000
Travis, Texas 91 $ 60,555,000 $ 665,439 $ 331,000
Collier, Florida 88 $ 65,950,000 $ 749,431 $ 456,000
Monterey, California 87 $ 66,055,000 $ 759,252 $ 364,000
District of Columbia, District Of Columbia 85 $ 56,125,000 $ 660,294 $ 415,000
Multnomah, Oregon 83 $ 42,415,000 $ 511,024 $ 228,000
Jefferson, Colorado 82 $ 38,780,000 $ 472,926 $ 213,000
Santa Cruz, California 79 $ 51,795,000 $ 655,632 $ 283,000
Oakland, Michigan 77 $ 40,135,000 $ 521,233 $ 372,000
Mecklenburg, North Carolina 77 $ 47,005,000 $ 610,454 $ 339,000
Lee, Florida 74 $ 38,770,000 $ 523,918 $ 309,000
Westchester, New York 68 $ 38,500,000 $ 566,176 $ 419,000
Lake, Illinois 67 $ 32,195,000 $ 480,522 $ 320,000
Miami-Dade, Florida 65 $ 56,955,000 $ 876,230 $ 511,000
Sarasota, Florida 60 $ 36,410,000 $ 606,833 $ 293,000
Sacramento, California 59 $ 24,725,000 $ 419,067 $ 271,000
Broward, Florida 58 $ 31,340,000 $ 540,344 $ 312,000
Monmouth, New Jersey 57 $ 31,885,000 $ 559,385 $ 319,000
Tarrant, Texas 57 $ 31,005,000 $ 543,947 $ 362,000
Charleston, South Carolina 56 $ 38,530,000 $ 688,035 $ 242,000
Williamson, Tennessee 56 $ 35,080,000 $ 626,428 $ 239,000
Bergen, New Jersey 55 $ 30,415,000 $ 553,000 $ 314,000
Wake, North Carolina 51 $ 22,145,000 $ 434,215 $ 268,000
Summit, Colorado 50 $ 35,330,000 $ 706,600 $ 324,000
Norfolk, Massachusetts 50 $ 37,450,000 $ 749,000 $ 321,000
Morris, New Jersey 48 $ 26,900,000 $ 560,416 $ 327,000
DeKalb, Georgia 46 $ 19,220,000 $ 417,826 $ 229,000
Ada, Idaho 46 $ 21,670,000 $ 471,086 $ 193,000
St. Louis, Missouri 46 $ 20,770,000 $ 451,521 $ 252,000
Deschutes, Oregon 46 $ 21,410,000 $ 465,434 $ 213,000
Orange, Florida 45 $ 26,815,000 $ 595,888 $ 306,000
Cobb, Georgia 45 $ 17,485,000 $ 388,555 $ 222,000
Beaufort, South Carolina 44 $ 21,340,000 $ 485,000 $ 221,000
El Dorado, California 43 $ 17,015,000 $ 395,697 $ 235,000
San Luis Obispo, California 42 $ 23,050,000 $ 548,809 $ 222,000
Kitsap, Washington 42 $ 25,730,000 $ 612,619 $ 239,000
Santa Fe, New Mexico 41 $ 20,785,000 $ 506,951 $ 196,000
Clackamas, Oregon 41 $ 21,095,000 $ 514,512 $ 255,000
Pinellas, Florida 40 $ 22,720,000 $ 568,000 $ 333,000
Honolulu, Hawaii 40 $ 31,520,000 $ 788,000 $ 392,000
Suffolk, New York 40 $ 32,720,000 $ 818,000 $ 455,000
Nevada, California 39 $ 19,875,000 $ 509,615 $ 289,000
Davidson, Tennessee 39 $ 24,215,000 $ 620,897 $ 246,000
Hillsborough, Florida 38 $ 26,270,000 $ 691,315 $ 355,000
Chester, Pennsylvania 38 $ 21,380,000 $ 562,631 $ 254,000
Montgomery, Pennsylvania 38 $ 22,700,000 $ 597,368 $ 357,000
Collin, Texas 38 $ 15,620,000 $ 411,052 $ 312,000
Summit, Utah 38 $ 37,080,000 $ 975,789 $ 445,000
Anne Arundel, Maryland 37 $ 20,415,000 $ 551,756 $ 286,000
Philadelphia, Pennsylvania 37 $ 18,415,000 $ 497,702 $ 267,000
Denton, Texas 36 $ 13,970,000 $ 388,055 $ 242,000
Napa, California 35 $ 24,285,000 $ 693,857 $ 316,000
Barnstable, Massachusetts 35 $ 22,055,000 $ 630,142 $ 364,000
Bucks, Pennsylvania 35 $ 16,275,000 $ 465,000 $ 320,000
Essex, Massachusetts 33 $ 20,925,000 $ 634,090 $ 452,000
Loudoun, Virginia 33 $ 16,185,000 $ 490,454 $ 598,000
Clark, Washington 33 $ 12,205,000 $ 369,848 $ 212,000
Eagle, Colorado 32 $ 25,250,000 $ 789,062 $ 531,000
Suffolk, Massachusetts 32 $ 25,040,000 $ 782,500 $ 365,000
Arlington, Virginia 32 $ 22,600,000 $ 706,250 $ 302,000
El Paso, Colorado 31 $ 11,485,000 $ 370,483 $ 182,000
Essex, New Jersey 31 $ 16,525,000 $ 533,064 $ 313,000
Nassau, New York 31 $ 19,175,000 $ 618,548 $ 413,000
Washington, Oregon 31 $ 14,425,000 $ 465,322 $ 177,000
Pima, Arizona 30 $ 11,790,000 $ 393,000 $ 202,000
Delaware, Pennsylvania 30 $ 17,790,000 $ 593,000 $ 414,000
San Bernardino, California 29 $ 12,815,000 $ 441,896 $ 208,000
Manatee, Florida 29 $ 14,375,000 $ 495,689 $ 227,000
Johnson, Kansas 29 $ 11,955,000 $ 412,241 $ 264,000
Montgomery, Texas 29 $ 12,215,000 $ 421,206 $ 225,000
Washtenaw, Michigan 28 $ 13,480,000 $ 481,428 $ 347,000
Snohomish, Washington 28 $ 11,900,000 $ 425,000 $ 248,000
Union, New Jersey 27 $ 14,325,000 $ 530,555 $ 292,000
Kings, New York 27 $ 15,515,000 $ 574,629 $ 316,000
Larimer, Colorado 26 $ 8,840,000 $ 340,000 $ 157,000
Hamilton, Indiana 26 $ 8,990,000 $ 345,769 $ 292,000
Duval, Florida 25 $ 12,205,000 $ 488,200 $ 241,000
Plymouth, Massachusetts 25 $ 13,135,000 $ 525,400 $ 339,000
Ocean, New Jersey 25 $ 11,335,000 $ 453,400 $ 281,000
Waukesha, Wisconsin 25 $ 16,045,000 $ 641,800 $ 340,000
Yavapai, Arizona 24 $ 9,920,000 $ 413,333 $ 141,000
Solano, California 24 $ 9,060,000 $ 377,500 $ 186,000
Gallatin, Montana 24 $ 15,190,000 $ 632,916 $ 287,000
Somerset, New Jersey 24 $ 12,380,000 $ 515,833 $ 290,000
Salt Lake, Utah 24 $ 10,770,000 $ 448,750 $ 322,000
Howard, Maryland 23 $ 9,655,000 $ 419,782 $ 201,000
Pierce, Washington 23 $ 12,905,000 $ 561,086 $ 232,000
Pinal, Arizona 22 $ 5,590,000 $ 254,090 $ 121,000
New Castle, Delaware 22 $ 6,840,000 $ 310,909 $ 179,000
St. Johns, Florida 22 $ 12,720,000 $ 578,181 $ 322,000
Wayne, Michigan 22 $ 10,520,000 $ 478,181 $ 265,000
Cuyahoga, Ohio 22 $ 11,930,000 $ 542,272 $ 350,000
Franklin, Ohio 22 $ 9,090,000 $ 413,181 $ 324,000
Alexandria, Virginia 22 $ 13,150,000 $ 597,727 $ 412,000
Rockingham, New Hampshire 21 $ 11,535,000 $ 549,285 $ 346,000
Cape May, New Jersey 21 $ 16,175,000 $ 770,238 $ 450,000
Mercer, New Jersey 21 $ 9,465,000 $ 450,714 $ 279,000
Pitkin, Colorado 20 $ 21,830,000 $ 1,091,500 $ 420,000
Sussex, Delaware 20 $ 12,930,000 $ 646,500 $ 287,000
Blaine, Idaho 20 $ 13,660,000 $ 683,000 $ 253,000
Allegheny, Pennsylvania 20 $ 10,050,000 $ 502,500 $ 327,000
Hamilton, Ohio 19 $ 6,685,000 $ 351,842 $ 205,000
Williamson, Texas 19 $ 4,755,000 $ 250,263 $ 174,000
Walton, Florida 18 $ 11,260,000 $ 625,555 $ 640,000
Bexar, Texas 18 $ 6,170,000 $ 342,777 $ 164,000
Forsyth, Georgia 17 $ 6,115,000 $ 359,705 $ 156,000
Buncombe, North Carolina 17 $ 9,175,000 $ 539,705 $ 334,000
Fort Bend, Texas 17 $ 6,305,000 $ 370,882 $ 256,000
Jefferson, Alabama 16 $ 6,870,000 $ 429,375 $ 199,000
Yolo, California 16 $ 5,010,000 $ 313,125 $ 201,000
Hartford, Connecticut 16 $ 5,410,000 $ 338,125 $ 209,000
Gwinnett, Georgia 16 $ 6,200,000 $ 387,500 $ 201,000
Jefferson, Kentucky 16 $ 6,170,000 $ 385,625 $ 222,000
Ramsey, Minnesota 16 $ 6,160,000 $ 385,000 $ 195,000
Greenville, South Carolina 16 $ 5,140,000 $ 321,250 $ 148,000
Wasatch, Utah 16 $ 12,320,000 $ 770,000 $ 391,000
Whatcom, Washington 16 $ 7,280,000 $ 455,000 $ 241,000
Fresno, California 15 $ 5,765,000 $ 384,333 $ 263,000
Indian River, Florida 15 $ 10,785,000 $ 719,000 $ 329,000
Martin, Florida 15 $ 15,035,000 $ 1,002,333 $ 368,000
Sumter, Florida 15 $ 4,145,000 $ 276,333 $ 115,000
Kane, Illinois 15 $ 4,585,000 $ 305,666 $ 217,000
Hays, Texas 15 $ 4,055,000 $ 270,333 $ 253,000
San Joaquin, California 14 $ 4,320,000 $ 308,571 $ 206,000
Adams, Colorado 14 $ 3,800,000 $ 271,428 $ 194,000
New Haven, Connecticut 14 $ 4,590,000 $ 327,857 $ 217,000
Kootenai, Idaho 14 $ 4,700,000 $ 335,714 $ 141,000
Baltimore, Maryland 14 $ 6,090,000 $ 435,000 $ 402,000
Bernalillo, New Mexico 14 $ 7,140,000 $ 510,000 $ 318,000
Brunswick, North Carolina 14 $ 6,330,000 $ 452,142 $ 326,000
Dare, North Carolina 14 $ 7,450,000 $ 532,142 $ 243,000
Durham, North Carolina 14 $ 4,360,000 $ 311,428 $ 226,000
Will, Illinois 13 $ 4,895,000 $ 376,538 $ 264,000
Marion, Indiana 13 $ 4,315,000 $ 331,923 $ 474,000
Middlesex, New Jersey 13 $ 4,225,000 $ 325,000 $ 367,000
Queens, New York 13 $ 4,825,000 $ 371,153 $ 145,000
Washington, Rhode Island 13 $ 6,475,000 $ 498,076 $ 400,000
Horry, South Carolina 13 $ 4,525,000 $ 348,076 $ 139,000
Oconee, South Carolina 13 $ 5,825,000 $ 448,076 $ 190,000
Milwaukee, Wisconsin 13 $ 5,655,000 $ 435,000 $ 388,000
Mendocino, California 12 $ 6,260,000 $ 521,666 $ 200,000
Broomfield, Colorado 12 $ 4,320,000 $ 360,000 $ 144,000
La Plata, Colorado 12 $ 6,330,000 $ 527,500 $ 256,000
Routt, Colorado 12 $ 6,380,000 $ 531,666 $ 349,000
Volusia, Florida 12 $ 3,580,000 $ 298,333 $ 170,000
Hawaii, Hawaii 12 $ 8,650,000 $ 720,833 $ 405,000
Nantucket, Massachusetts 12 $ 12,650,000 $ 1,054,166 $ 647,000
Dakota, Minnesota 12 $ 4,090,000 $ 340,833 $ 164,000
Atlantic, New Jersey 12 $ 6,610,000 $ 550,833 $ 307,000
Hunterdon, New Jersey 12 $ 4,210,000 $ 350,833 $ 253,000
Guilford, North Carolina 12 $ 5,210,000 $ 434,166 $ 376,000
Orange, North Carolina 12 $ 6,200,000 $ 516,666 $ 396,000
Newport, Rhode Island 12 $ 11,740,000 $ 978,333 $ 277,000
Henrico, Virginia 12 $ 4,070,000 $ 339,166 $ 256,000
Kern, California 11 $ 4,195,000 $ 381,363 $ 196,000
Litchfield, Connecticut 11 $ 6,825,000 $ 620,454 $ 234,000
Charlotte, Florida 11 $ 4,485,000 $ 407,727 $ 219,000
Lake, Florida 11 $ 3,535,000 $ 321,363 $ 214,000
Monroe, Florida 11 $ 6,185,000 $ 562,272 $ 257,000
Cherokee, Georgia 11 $ 4,095,000 $ 372,272 $ 162,000
Hall, Georgia 11 $ 5,245,000 $ 476,818 $ 175,000
Washington, Minnesota 11 $ 5,025,000 $ 456,818 $ 249,000
Douglas, Nevada 11 $ 6,865,000 $ 624,090 $ 245,000
Hudson, New Jersey 11 $ 5,755,000 $ 523,181 $ 509,000
Jackson, North Carolina 11 $ 6,135,000 $ 557,727 $ 328,000
New Hanover, North Carolina 11 $ 4,125,000 $ 375,000 $ 218,000
Chesterfield, Virginia 11 $ 4,005,000 $ 364,090 $ 214,000
Spokane, Washington 11 $ 3,495,000 $ 317,727 $ 270,000
Pasco, Florida 10 $ 2,210,000 $ 221,000 $ 158,000
Chatham, Georgia 10 $ 3,020,000 $ 302,000 $ 129,000
Allen, Indiana 10 $ 1,700,000 $ 170,000 $ 138,000
Talbot, Maryland 10 $ 7,310,000 $ 731,000 $ 572,000
Worcester, Massachusetts 10 $ 4,980,000 $ 498,000 $ 285,000
Jackson, Oregon 10 $ 3,890,000 $ 389,000 $ 150,000
Thurston, Washington 10 $ 3,210,000 $ 321,000 $ 123,000
Anchorage, Alaska 9 $ 2,285,000 $ 253,888 $ 175,000
Stanislaus, California 9 $ 2,715,000 $ 301,666 $ 178,000
Grand, Colorado 9 $ 3,275,000 $ 363,888 $ 152,000
San Miguel, Colorado 9 $ 10,935,000 $ 1,215,000 $ 464,000
Nassau, Florida 9 $ 4,275,000 $ 475,000 $ 140,000
Maui, Hawaii 9 $ 5,585,000 $ 620,555 $ 241,000
Baltimore City, Maryland 9 $ 2,265,000 $ 251,666 $ 179,000
Berrien, Michigan 9 $ 5,505,000 $ 611,666 $ 485,000
Kent, Michigan 9 $ 2,355,000 $ 261,666 $ 157,000
Douglas, Nebraska 9 $ 3,195,000 $ 355,000 $ 178,000
Carroll, New Hampshire 9 $ 5,765,000 $ 640,555 $ 560,000
Hillsborough, New Hampshire 9 $ 3,005,000 $ 333,888 $ 224,000
Summit, Ohio 9 $ 2,225,000 $ 247,222 $ 152,000
Oklahoma, Oklahoma 9 $ 3,855,000 $ 428,333 $ 183,000
Lane, Oregon 9 $ 2,265,000 $ 251,666 $ 153,000
Cumberland, Pennsylvania 9 $ 1,955,000 $ 217,222 $ 96,000
Lancaster, South Carolina 9 $ 2,105,000 $ 233,888 $ 92,000
Knox, Tennessee 9 $ 2,795,000 $ 310,555 $ 207,000
Shelby, Tennessee 9 $ 4,525,000 $ 502,777 $ 279,000
Albemarle, Virginia 9 $ 4,725,000 $ 525,000 $ 277,000
Richmond City, Virginia 9 $ 5,545,000 $ 616,111 $ 234,000
Teton, Wyoming 9 $ 5,365,000 $ 596,111 $ 343,000
Flagler, Florida 8 $ 3,060,000 $ 382,500 $ 140,000
Cumberland, Maine 8 $ 2,870,000 $ 358,750 $ 169,000
York, Maine 8 $ 3,710,000 $ 463,750 $ 308,000
Berkshire, Massachusetts 8 $ 3,430,000 $ 428,750 $ 270,000
Jackson, Missouri 8 $ 2,330,000 $ 291,250 $ 172,000
Chatham, North Carolina 8 $ 3,430,000 $ 428,750 $ 196,000
Moore, North Carolina 8 $ 1,620,000 $ 202,500 $ 100,000
Tulsa, Oklahoma 8 $ 2,440,000 $ 305,000 $ 173,000
Providence, Rhode Island 8 $ 2,900,000 $ 362,500 $ 237,000
York, South Carolina 8 $ 1,830,000 $ 228,750 $ 155,000
Galveston, Texas 8 $ 3,610,000 $ 451,250 $ 240,000
Washington, Utah 8 $ 5,090,000 $ 636,250 $ 384,000
James City, Virginia 8 $ 3,200,000 $ 400,000 $ 281,000
Virginia Beach, Virginia 8 $ 3,460,000 $ 432,500 $ 172,000
Island, Washington 8 $ 3,780,000 $ 472,500 $ 208,000
Dane, Wisconsin 8 $ 3,210,000 $ 401,250 $ 205,000
Ozaukee, Wisconsin 8 $ 3,500,000 $ 437,500 $ 281,000
Washington, Wisconsin 8 $ 2,460,000 $ 307,500 $ 193,000
Coconino, Arizona 7 $ 4,215,000 $ 602,142 $ 290,000
Pulaski, Arkansas 7 $ 3,075,000 $ 439,285 $ 228,000
Butte, California 7 $ 3,045,000 $ 435,000 $ 263,000
Plumas, California 7 $ 2,065,000 $ 295,000 $ 230,000
Okaloosa, Florida 7 $ 3,265,000 $ 466,428 $ 277,000
St. Lucie, Florida 7 $ 1,165,000 $ 166,428 $ 115,000
Glynn, Georgia 7 $ 5,115,000 $ 730,714 $ 928,000
Greene, Georgia 7 $ 5,785,000 $ 826,428 $ 348,000
Putnam, Georgia 7 $ 4,585,000 $ 655,000 $ 234,000
Orleans, Louisiana 7 $ 2,975,000 $ 425,000 $ 185,000
Queen Anne's, Maryland 7 $ 4,945,000 $ 706,428 $ 306,000
Charlevoix, Michigan 7 $ 4,295,000 $ 613,571 $ 614,000
Leelanau, Michigan 7 $ 3,435,000 $ 490,714 $ 443,000
Livingston, Michigan 7 $ 1,735,000 $ 247,857 $ 104,000
St. Charles, Missouri 7 $ 1,855,000 $ 265,000 $ 304,000
St. Louis City, Missouri 7 $ 2,665,000 $ 380,714 $ 257,000
Burlington, New Jersey 7 $ 1,525,000 $ 217,857 $ 173,000
Cabarrus, North Carolina 7 $ 2,385,000 $ 340,714 $ 129,000
Union, North Carolina 7 $ 2,105,000 $ 300,714 $ 305,000
Lehigh, Pennsylvania 7 $ 2,445,000 $ 349,285 $ 275,000
Washington, Pennsylvania 7 $ 1,605,000 $ 229,285 $ 153,000
Georgetown, South Carolina 7 $ 3,005,000 $ 429,285 $ 160,000
Pickens, South Carolina 7 $ 4,055,000 $ 579,285 $ 338,000
Chelan, Washington 7 $ 2,395,000 $ 342,142 $ 233,000
Clallam, Washington 7 $ 4,155,000 $ 593,571 $ 252,000
Walworth, Wisconsin 7 $ 3,395,000 $ 485,000 $ 303,000
Baldwin, Alabama 6 $ 1,780,000 $ 296,666 $ 187,000
Navajo, Arizona 6 $ 1,750,000 $ 291,666 $ 193,000
Calaveras, California 6 $ 2,130,000 $ 355,000 $ 241,000
Mono, California 6 $ 2,780,000 $ 463,333 $ 375,000
Mesa, Colorado 6 $ 2,110,000 $ 351,666 $ 130,000
Weld, Colorado 6 $ 1,920,000 $ 320,000 $ 146,000
Bristol, Massachusetts 6 $ 2,410,000 $ 401,666 $ 288,000
Dukes, Massachusetts 6 $ 3,440,000 $ 573,333 $ 384,000
Macomb, Michigan 6 $ 1,010,000 $ 168,333 $ 99,000
Ottawa, Michigan 6 $ 2,870,000 $ 478,333 $ 578,000
Scott, Minnesota 6 $ 1,540,000 $ 256,666 $ 182,000
Madison, Montana 6 $ 22,670,000 $ 3,778,333 $ 274,000
Park, Montana 6 $ 3,240,000 $ 540,000 $ 271,000
Carteret, North Carolina 6 $ 5,220,000 $ 870,000 $ 232,000
Watauga, North Carolina 6 $ 2,820,000 $ 470,000 $ 370,000
Delaware, Ohio 6 $ 2,650,000 $ 441,666 $ 316,000
Geauga, Ohio 6 $ 2,080,000 $ 346,666 $ 346,000
Berkeley, South Carolina 6 $ 5,430,000 $ 905,000 $ 288,000
San Juan, Washington 6 $ 4,890,000 $ 815,000 $ 249,000
Skagit, Washington 6 $ 3,860,000 $ 643,333 $ 261,000
Shelby, Alabama 5 $ 1,445,000 $ 289,000 $ 159,000
Garfield, Colorado 5 $ 3,975,000 $ 795,000 $ 350,000
Brevard, Florida 5 $ 1,495,000 $ 299,000 $ 160,000
Seminole, Florida 5 $ 2,405,000 $ 481,000 $ 164,000
Fayette, Georgia 5 $ 1,325,000 $ 265,000 $ 128,000
McHenry, Illinois 5 $ 1,505,000 $ 301,000 $ 136,000
Sedgwick, Kansas 5 $ 1,305,000 $ 261,000 $ 203,000
Fayette, Kentucky 5 $ 2,035,000 $ 407,000 $ 218,000
Frederick, Maryland 5 $ 755,000 $ 151,000 $ 108,000
Hampshire, Massachusetts 5 $ 1,355,000 $ 271,000 $ 157,000
Carver, Minnesota 5 $ 2,615,000 $ 523,000 $ 386,000
Flathead, Montana 5 $ 6,645,000 $ 1,329,000 $ 329,000
Richmond, New York 5 $ 1,465,000 $ 293,000 $ 134,000
Lincoln, North Carolina 5 $ 2,655,000 $ 531,000 $ 138,000
Macon, North Carolina 5 $ 5,255,000 $ 1,051,000 $ 243,000
Stark, Ohio 5 $ 585,000 $ 117,000 $ 107,000
Warren, Ohio 5 $ 2,275,000 $ 455,000 $ 208,000
Clatsop, Oregon 5 $ 1,775,000 $ 355,000 $ 138,000
Marion, Oregon 5 $ 1,155,000 $ 231,000 $ 217,000
Centre, Pennsylvania 5 $ 1,175,000 $ 235,000 $ 82,000
Richland, South Carolina 5 $ 1,585,000 $ 317,000 $ 271,000
Hamilton, Tennessee 5 $ 1,095,000 $ 219,000 $ 98,000
Weber, Utah 5 $ 2,135,000 $ 427,000 $ 379,000
Chittenden, Vermont 5 $ 2,275,000 $ 455,000 $ 224,000
Fairfax City, Virginia 5 $ 1,795,000 $ 359,000 $ 167,000
Goochland, Virginia 5 $ 3,855,000 $ 771,000 $ 540,000
Benton, Arkansas 4 $ 1,690,000 $ 422,500 $ 360,000
Siskiyou, California 4 $ 780,000 $ 195,000 $ 194,000
Chaffee, Colorado 4 $ 1,150,000 $ 287,500 $ 228,000
New London, Connecticut 4 $ 900,000 $ 225,000 $ 114,000
Citrus, Florida 4 $ 500,000 $ 125,000 $ 88,000
Escambia, Florida 4 $ 720,000 $ 180,000 $ 156,000
Hernando, Florida 4 $ 510,000 $ 127,500 $ 185,000
Marion, Florida 4 $ 700,000 $ 175,000 $ 266,000
Polk, Florida 4 $ 1,090,000 $ 272,500 $ 181,000
Santa Rosa, Florida 4 $ 1,550,000 $ 387,500 $ 171,000
Camden, Georgia 4 $ 850,000 $ 212,500 $ 72,000
Columbia, Georgia 4 $ 1,330,000 $ 332,500 $ 128,000
Rabun, Georgia 4 $ 2,070,000 $ 517,500 $ 179,000
Kauai, Hawaii 4 $ 4,600,000 $ 1,150,000 $ 467,000
Boone, Kentucky 4 $ 1,160,000 $ 290,000 $ 127,000
Oldham, Kentucky 4 $ 2,490,000 $ 622,500 $ 345,000
East Baton Rouge, Louisiana 4 $ 1,210,000 $ 302,500 $ 225,000
Jefferson, Louisiana 4 $ 2,070,000 $ 517,500 $ 225,000
Garrett, Maryland 4 $ 2,250,000 $ 562,500 $ 236,000
Genesee, Michigan 4 $ 1,580,000 $ 395,000 $ 345,000
Ingham, Michigan 4 $ 900,000 $ 225,000 $ 303,000
Anoka, Minnesota 4 $ 980,000 $ 245,000 $ 89,000
Belknap, New Hampshire 4 $ 1,530,000 $ 382,500 $ 404,000
Merrimack, New Hampshire 4 $ 1,030,000 $ 257,500 $ 170,000
Warren, New Jersey 4 $ 930,000 $ 232,500 $ 198,000
Taos, New Mexico 4 $ 1,590,000 $ 397,500 $ 97,000
Bronx, New York 4 $ 2,070,000 $ 517,500 $ 254,000
Rockland, New York 4 $ 1,230,000 $ 307,500 $ 172,000
Currituck, North Carolina 4 $ 1,560,000 $ 390,000 $ 156,000
Forsyth, North Carolina 4 $ 1,540,000 $ 385,000 $ 395,000
Henderson, North Carolina 4 $ 1,120,000 $ 280,000 $ 111,000
Clermont, Ohio 4 $ 1,100,000 $ 275,000 $ 122,000
Montgomery, Ohio 4 $ 920,000 $ 230,000 $ 234,000
Loudon, Tennessee 4 $ 1,580,000 $ 395,000 $ 181,000
Nueces, Texas 4 $ 1,720,000 $ 430,000 $ 543,000
Utah, Utah 4 $ 1,950,000 $ 487,500 $ 183,000
Washington, Vermont 4 $ 2,270,000 $ 567,500 $ 290,000
Windsor, Vermont 4 $ 1,570,000 $ 392,500 $ 144,000
Jefferson, Washington 4 $ 2,280,000 $ 570,000 $ 202,000
Kanawha, West Virginia 4 $ 680,000 $ 170,000 $ 282,000
Kenosha, Wisconsin 4 $ 620,000 $ 155,000 $ 126,000
Vilas, Wisconsin 4 $ 1,190,000 $ 297,500 $ 240,000
Lee, Alabama 3 $ 695,000 $ 231,666 $ 121,000
Madison, Alabama 3 $ 425,000 $ 141,666 $ 182,000
Gila, Arizona 3 $ 1,715,000 $ 571,666 $ 194,000
Mohave, Arizona 3 $ 355,000 $ 118,333 $ 198,000
Washington, Arkansas 3 $ 1,955,000 $ 651,666 $ 133,000
Amador, California 3 $ 1,335,000 $ 445,000 $ 203,000
Leon, Florida 3 $ 935,000 $ 311,666 $ 151,000
Osceola, Florida 3 $ 1,035,000 $ 345,000 $ 255,000
Teton, Idaho 3 $ 1,345,000 $ 448,333 $ 121,000
Valley, Idaho 3 $ 2,985,000 $ 995,000 $ 650,000
Boone, Indiana 3 $ 855,000 $ 285,000 $ 232,000
Johnson, Indiana 3 $ 835,000 $ 278,333 $ 136,000
LaPorte, Indiana 3 $ 2,085,000 $ 695,000 $ 232,000
Dallas, Iowa 3 $ 905,000 $ 301,666 $ 107,000
Polk, Iowa 3 $ 1,335,000 $ 445,000 $ 279,000
Waldo, Maine 3 $ 2,045,000 $ 681,666 $ 555,000
Worcester, Maryland 3 $ 1,315,000 $ 438,333 $ 173,000
Allegan, Michigan 3 $ 2,435,000 $ 811,666 $ 592,000
Antrim, Michigan 3 $ 1,165,000 $ 388,333 $ 298,000
Cheboygan, Michigan 3 $ 895,000 $ 298,333 $ 258,000
Emmet, Michigan 3 $ 2,855,000 $ 951,666 $ 1,092,000
Grand Traverse, Michigan 3 $ 1,785,000 $ 595,000 $ 290,000
Stone, Missouri 3 $ 675,000 $ 225,000 $ 356,000
Missoula, Montana 3 $ 845,000 $ 281,666 $ 160,000
Powell, Montana 3 $ 3,005,000 $ 1,001,666 $ 915,000
Camden, New Jersey 3 $ 1,015,000 $ 338,333 $ 130,000
Dona Ana, New Mexico 3 $ 925,000 $ 308,333 $ 49,000
Albany, New York 3 $ 1,385,000 $ 461,666 $ 431,000
Columbia, New York 3 $ 1,565,000 $ 521,666 $ 275,000
Monroe, New York 3 $ 845,000 $ 281,666 $ 213,000
Ulster, New York 3 $ 755,000 $ 251,666 $ 157,000
Burke, North Carolina 3 $ 945,000 $ 315,000 $ 125,000
Gaston, North Carolina 3 $ 1,075,000 $ 358,333 $ 159,000
Iredell, North Carolina 3 $ 2,925,000 $ 975,000 $ 270,000
Pender, North Carolina 3 $ 1,445,000 $ 481,666 $ 222,000
Fairfield, Ohio 3 $ 1,205,000 $ 401,666 $ 136,000
Greene, Ohio 3 $ 705,000 $ 235,000 $ 103,000
Lake, Ohio 3 $ 675,000 $ 225,000 $ 84,000
Medina, Ohio 3 $ 705,000 $ 235,000 $ 150,000
McCurtain, Oklahoma 3 $ 395,000 $ 131,666 $ 363,000
Coos, Oregon 3 $ 675,000 $ 225,000 $ 205,000
Tillamook, Oregon 3 $ 2,465,000 $ 821,666 $ 190,000
Dauphin, Pennsylvania 3 $ 845,000 $ 281,666 $ 155,000
Lancaster, Pennsylvania 3 $ 1,025,000 $ 341,666 $ 254,000
Fayette, Tennessee 3 $ 425,000 $ 141,666 $ 127,000
Wilson, Tennessee 3 $ 805,000 $ 268,333 $ 149,000
Bell, Texas 3 $ 405,000 $ 135,000 $ 98,000
Llano, Texas 3 $ 2,735,000 $ 911,666 $ 593,000
Midland, Texas 3 $ 1,345,000 $ 448,333 $ 222,000
Parker, Texas 3 $ 1,575,000 $ 525,000 $ 201,000
Falls Church, Virginia 3 $ 1,935,000 $ 645,000 $ 392,000
Fredericksburg, Virginia 3 $ 1,995,000 $ 665,000 $ 371,000
Hanover, Virginia 3 $ 615,000 $ 205,000 $ 120,000
Nelson, Virginia 3 $ 1,195,000 $ 398,333 $ 459,000
Norfolk, Virginia 3 $ 1,065,000 $ 355,000 $ 208,000
Prince William, Virginia 3 $ 915,000 $ 305,000 $ 229,000
Mason, Washington 3 $ 595,000 $ 198,333 $ 144,000
Okanogan, Washington 3 $ 465,000 $ 155,000 $ 67,000
Iowa, Wisconsin 3 $ 685,000 $ 228,333 $ 118,000
Tallapoosa, Alabama 2 $ 450,000 $ 225,000 $ 173,000
Tuscaloosa, Alabama 2 $ 990,000 $ 495,000 $ 222,000
Walker, Alabama 2 $ 740,000 $ 370,000 $ 343,000
Craighead, Arkansas 2 $ 450,000 $ 225,000 $ 532,000
Alpine, California 2 $ 260,000 $ 130,000 $ 162,000
San Benito, California 2 $ 1,600,000 $ 800,000 $ 452,000
Tulare, California 2 $ 300,000 $ 150,000 $ 107,000
Tuolumne, California 2 $ 500,000 $ 250,000 $ 64,000
Montrose, Colorado 2 $ 830,000 $ 415,000 $ 160,000
Park, Colorado 2 $ 560,000 $ 280,000 $ 604,000
Teller, Colorado 2 $ 940,000 $ 470,000 $ 131,000
Middlesex, Connecticut 2 $ 410,000 $ 205,000 $ 144,000
Franklin, Florida 2 $ 780,000 $ 390,000 $ 357,000
Gulf, Florida 2 $ 930,000 $ 465,000 $ 106,000
Bartow, Georgia 2 $ 540,000 $ 270,000 $ 97,000
Clarke, Georgia 2 $ 660,000 $ 330,000 $ 166,000
Fannin, Georgia 2 $ 570,000 $ 285,000 $ 72,000
Walton, Georgia 2 $ 450,000 $ 225,000 $ 75,000
Boise, Idaho 2 $ 520,000 $ 260,000 $ 84,000
LaSalle, Illinois 2 $ 310,000 $ 155,000 $ 206,000
Hendricks, Indiana 2 $ 380,000 $ 190,000 $ 127,000
Huntington, Indiana 2 $ 400,000 $ 200,000 $ 148,000
Lake, Indiana 2 $ 790,000 $ 395,000 $ 281,000
Madison, Indiana 2 $ 460,000 $ 230,000 $ 72,000
Monroe, Indiana 2 $ 530,000 $ 265,000 $ 326,000
Crawford, Kansas 2 $ 760,000 $ 380,000 $ 159,000
Lincoln, Louisiana 2 $ 440,000 $ 220,000 $ 145,000
St. Tammany, Louisiana 2 $ 400,000 $ 200,000 $ 193,000
Hancock, Maine 2 $ 1,190,000 $ 595,000 $ 287,000
Kennebec, Maine 2 $ 810,000 $ 405,000 $ 136,000
Charles, Maryland 2 $ 1,000,000 $ 500,000 $ 487,000
St. Mary's, Maryland 2 $ 650,000 $ 325,000 $ 156,000
Hillsdale, Michigan 2 $ 590,000 $ 295,000 $ 479,000
Jackson, Michigan 2 $ 250,000 $ 125,000 $ 42,000
Kalamazoo, Michigan 2 $ 330,000 $ 165,000 $ 111,000
Lenawee, Michigan 2 $ 1,200,000 $ 600,000 $ 459,000
Saginaw, Michigan 2 $ 620,000 $ 310,000 $ 325,000
Van Buren, Michigan 2 $ 730,000 $ 365,000 $ 260,000
Wright, Minnesota 2 $ 280,000 $ 140,000 $ 171,000
Harrison, Mississippi 2 $ 1,510,000 $ 755,000 $ 259,000
Madison, Mississippi 2 $ 550,000 $ 275,000 $ 74,000
Camden, Missouri 2 $ 830,000 $ 415,000 $ 200,000
Clay, Missouri 2 $ 670,000 $ 335,000 $ 300,000
Carson City, Nevada 2 $ 230,000 $ 115,000 $ 269,000
Cheshire, New Hampshire 2 $ 550,000 $ 275,000 $ 148,000
Passaic, New Jersey 2 $ 1,190,000 $ 595,000 $ 259,000
Colfax, New Mexico 2 $ 640,000 $ 320,000 $ 579,000
Sandoval, New Mexico 2 $ 840,000 $ 420,000 $ 204,000
Dutchess, New York 2 $ 2,040,000 $ 1,020,000 $ 281,000
Orange, New York 2 $ 850,000 $ 425,000 $ 330,000
Putnam, New York 2 $ 1,140,000 $ 570,000 $ 595,000
Saratoga, New York 2 $ 830,000 $ 415,000 $ 246,000
Avery, North Carolina 2 $ 780,000 $ 390,000 $ 179,000
Catawba, North Carolina 2 $ 1,180,000 $ 590,000 $ 301,000
Cherokee, North Carolina 2 $ 240,000 $ 120,000 $ 341,000
Haywood, North Carolina 2 $ 560,000 $ 280,000 $ 182,000
Johnston, North Carolina 2 $ 540,000 $ 270,000 $ 133,000
McDowell, North Carolina 2 $ 1,060,000 $ 530,000 $ 981,000
Pamlico, North Carolina 2 $ 660,000 $ 330,000 $ 114,000
Lucas, Ohio 2 $ 180,000 $ 90,000 $ 101,000
Miami, Ohio 2 $ 290,000 $ 145,000 $ 32,000
Crook, Oregon 2 $ 990,000 $ 495,000 $ 449,000
Curry, Oregon 2 $ 1,290,000 $ 645,000 $ 184,000
Hood River, Oregon 2 $ 940,000 $ 470,000 $ 249,000
Lincoln, Oregon 2 $ 840,000 $ 420,000 $ 177,000
Polk, Oregon 2 $ 470,000 $ 235,000 $ 110,000
Adams, Pennsylvania 2 $ 450,000 $ 225,000 $ 172,000
Berks, Pennsylvania 2 $ 1,140,000 $ 570,000 $ 352,000
Kent, Rhode Island 2 $ 1,100,000 $ 550,000 $ 209,000
Colleton, South Carolina 2 $ 870,000 $ 435,000 $ 440,000
Greenwood, South Carolina 2 $ 340,000 $ 170,000 $ 69,000
Jasper, South Carolina 2 $ 400,000 $ 200,000 $ 108,000
Lexington, South Carolina 2 $ 670,000 $ 335,000 $ 109,000
Spartanburg, South Carolina 2 $ 1,770,000 $ 885,000 $ 592,000
Pennington, South Dakota 2 $ 550,000 $ 275,000 $ 183,000
Claiborne, Tennessee 2 $ 340,000 $ 170,000 $ 98,000
Cumberland, Tennessee 2 $ 310,000 $ 155,000 $ 78,000
Hamblen, Tennessee 2 $ 900,000 $ 450,000 $ 104,000
Sumner, Tennessee 2 $ 1,090,000 $ 545,000 $ 159,000
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Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2020

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 8,862 $5,919,110,000 $667,000 $14,005,000 $323,000 $7,782,000
Cash-out Refinancing 4,021 $1,856,845,000 $461,000 $9,105,000 $267,000 $5,279,000
Home Purchase 2,017 $1,487,895,000 $737,000 $10,005,000 $326,000 $4,848,000
Other Purpose 605 $344,545,000 $569,000 $10,005,000 $308,000 $4,439,000
Home Improvement 282 $91,670,000 $325,000 $3,165,000 $192,000 $1,633,000
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 8,320 $4,909,710,000 $590,000 $9,325,000 $299,000 $7,620,000
Not Provided 6,269 $4,007,865,000 $639,000 $14,005,000 $315,000 $7,782,000
Asian 738 $512,620,000 $694,000 $4,005,000 $334,000 $4,848,000
Hispanic 192 $105,650,000 $550,000 $2,305,000 $282,000 $2,552,000
Black or African American 89 $44,265,000 $497,000 $1,975,000 $265,000 $897,000
American Indian or Alaskan Native 18 $10,300,000 $572,000 $2,075,000 $231,000 $611,000
Native Hawaiian or Other Pacific Islander 5 $3,635,000 $727,000 $1,605,000 $318,000 $516,000
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) 15,787 $9,700,065,000 $614,000 $14,005,000 $307,000 $7,782,000
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 8,602 $6,972,640,000 $810,000 $14,005,000 $376,000 $7,782,000
Loan Purchased By The Institution 6,624 $2,218,560,000 $334,000 $1,505,000 $215,000 $4,142,000
Application Denied By Financial Institution 375 $347,505,000 $926,000 $3,055,000 $318,000 $5,767,000
Application Approved But Not Accepted 168 $139,800,000 $832,000 $9,325,000 $374,000 $5,696,000
Preapproval Denied by Financial Institution 15 $16,805,000 $1,120,000 $1,875,000 $287,000 $827,000
Preapproval Approved but not Accepted 3 $4,755,000 $1,585,000 $2,255,000 $296,000 $583,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 15,397 $9,335,755,000 $606,000 $14,005,000 $306,000 $7,782,000
Debt-To-Income Ratio 149 $140,795,000 $944,000 $2,955,000 $208,000 $1,326,000
Other 131 $123,235,000 $940,000 $3,055,000 $409,000 $5,767,000
Collateral 69 $69,015,000 $1,000,000 $3,005,000 $365,000 $952,000
Unverifiable Information 26 $23,170,000 $891,000 $2,345,000 $291,000 $702,000
Credit History 9 $4,945,000 $549,000 $1,405,000 $298,000 $570,000
Employment History 3 $825,000 $275,000 $515,000 $291,000 $445,000
Insufficient Cash (Downpayment, Closing Cost) 2 $1,320,000 $660,000 $865,000 $474,000 $805,000
Credit Application Incomplete 1 $1,005,000 $1,005,000 $1,005,000 $299,000 $299,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2020 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 Charles Schwab Bank, SSB'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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