Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2025
In 2025, Charles Schwab Bank, SSB of Lone Tree, CO reported 8,126 mortgage applications totaling $7.4 billion, up 41% from 2024. The average application was for $915,698, and applicants reported an average income of $477,391. 75% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (340), San Jose-Sunnyvale-Santa Clara, CA (284) and Oakland-Hayward-Berkeley, CA (277) (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 | 8,126 |
| Total Mortgage Loan Application Amount | $7,440,970,000 |
| Average Mortgage Loan Application Amount | $915,698 |
| Highest Mortgage Loan Application Amount | $12,005,000 |
| Average Applicant Income | $477,391 |
| Highest Applicant Income | $9,961,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 674 | $ 599,870,000 | $ 890,014 | $ 476,727 |
| Los Angeles-Long Beach-Glendale, CA | 340 | $ 450,390,000 | $ 1,324,676 | $ 591,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 284 | $ 434,490,000 | $ 1,529,894 | $ 750,000 |
| Oakland-Hayward-Berkeley, CA | 277 | $ 286,455,000 | $ 1,034,133 | $ 470,000 |
| San Francisco-Redwood City-South San Francisco, CA | 276 | $ 376,070,000 | $ 1,362,572 | $ 693,000 |
| Phoenix-Mesa-Scottsdale, AZ | 241 | $ 206,125,000 | $ 855,290 | $ 464,000 |
| San Diego-Carlsbad, CA | 230 | $ 247,340,000 | $ 1,075,391 | $ 523,000 |
| Denver-Aurora-Lakewood, CO | 225 | $ 185,115,000 | $ 822,733 | $ 436,000 |
| New York-Jersey City-White Plains, NY-NJ | 216 | $ 224,090,000 | $ 1,037,453 | $ 613,925 |
| Anaheim-Santa Ana-Irvine, CA | 212 | $ 281,700,000 | $ 1,328,773 | $ 689,000 |
| Chicago-Naperville, IL | 208 | $ 160,500,000 | $ 771,634 | $ 432,000 |
| Seattle-Bellevue-Everett, WA | 203 | $ 245,165,000 | $ 1,207,709 | $ 503,000 |
| Dallas-Plano-Irving, TX | 140 | $ 106,210,000 | $ 758,642 | $ 405,000 |
| Arlington-Alexandria-Reston, VA-WV | 121 | $ 101,455,000 | $ 838,471 | $ 446,000 |
| Houston-The Woodlands-Sugar Land, TX | 114 | $ 95,810,000 | $ 840,438 | $ 439,000 |
| Atlanta-Sandy Springs-Roswell, GA | 113 | $ 79,985,000 | $ 707,831 | $ 337,000 |
| Riverside-San Bernardino-Ontario, CA | 93 | $ 86,445,000 | $ 929,516 | $ 517,000 |
| Austin-Round Rock, TX | 92 | $ 78,480,000 | $ 853,043 | $ 407,000 |
| Cambridge-Newton-Framingham, MA | 91 | $ 85,585,000 | $ 940,494 | $ 449,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 88 | $ 104,940,000 | $ 1,192,500 | $ 646,000 |
| Las Vegas-Henderson-Paradise, NV | 87 | $ 70,595,000 | $ 811,436 | $ 518,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 86 | $ 82,400,000 | $ 958,139 | $ 399,000 |
| Newark, NJ-PA | 84 | $ 73,530,000 | $ 875,357 | $ 419,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 84 | $ 55,480,000 | $ 660,476 | $ 352,178 |
| San Rafael, CA | 81 | $ 89,185,000 | $ 1,101,049 | $ 547,000 |
| Bridgeport-Stamford-Norwalk, CT | 80 | $ 85,970,000 | $ 1,074,625 | $ 723,000 |
| Charlotte-Concord-Gastonia, NC-SC | 80 | $ 59,300,000 | $ 741,250 | $ 327,450 |
| Sacramento--Roseville--Arden-Arcade, CA | 80 | $ 73,130,000 | $ 914,125 | $ 542,000 |
| Lakewood-New Brunswick, NJ | 76 | $ 53,010,000 | $ 697,500 | $ 380,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 72 | $ 44,890,000 | $ 623,472 | $ 344,916 |
| Boston, MA | 69 | $ 88,915,000 | $ 1,288,623 | $ 516,000 |
| Washington-Baltimore-Arlington, DC | 65 | $ 47,755,000 | $ 734,692 | $ 320,000 |
| Naples-Immokalee-Marco Island, FL | 60 | $ 74,870,000 | $ 1,247,833 | $ 552,000 |
| North Port-Sarasota-Bradenton, FL | 58 | $ 42,400,000 | $ 731,034 | $ 421,000 |
| Fort Worth-Arlington, TX | 56 | $ 43,230,000 | $ 771,964 | $ 485,000 |
| Charleston-North Charleston, SC | 55 | $ 56,765,000 | $ 1,032,090 | $ 471,000 |
| Nassau County-Suffolk County, NY | 55 | $ 57,865,000 | $ 1,052,090 | $ 536,000 |
| Miami-Miami Beach-Kendall, FL | 54 | $ 63,870,000 | $ 1,182,777 | $ 573,000 |
| Santa Rosa, CA | 54 | $ 47,040,000 | $ 871,111 | $ 378,000 |
| Montgomery County-Bucks County-Chester County, PA | 49 | $ 36,465,000 | $ 744,183 | $ 365,000 |
| Bend-Redmond, OR | 48 | $ 32,790,000 | $ 683,125 | $ 366,000 |
| Boulder, CO | 47 | $ 46,275,000 | $ 984,574 | $ 437,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 47 | $ 50,005,000 | $ 1,063,936 | $ 716,000 |
| Lake County-Kenosha County, IL-WI | 46 | $ 24,700,000 | $ 536,956 | $ 322,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 45 | $ 49,645,000 | $ 1,103,222 | $ 462,000 |
| Reno, NV | 45 | $ 40,295,000 | $ 895,444 | $ 449,000 |
| Indianapolis-Carmel-Anderson, IN | 44 | $ 25,030,000 | $ 568,863 | $ 509,000 |
| Baltimore-Columbia-Towson, MD | 42 | $ 31,240,000 | $ 743,809 | $ 426,000 |
| Raleigh, NC | 42 | $ 25,010,000 | $ 595,476 | $ 333,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 41 | $ 28,045,000 | $ 684,024 | $ 360,000 |
| Santa Maria-Santa Barbara, CA | 41 | $ 55,295,000 | $ 1,348,658 | $ 652,000 |
| Orlando-Kissimmee-Sanford, FL | 39 | $ 32,625,000 | $ 836,538 | $ 398,000 |
| St. Louis, MO-IL | 38 | $ 19,420,000 | $ 511,052 | $ 328,578 |
| Washington, DC-MD | 38 | $ 35,780,000 | $ 941,578 | $ 382,947 |
| Salinas, CA | 36 | $ 57,860,000 | $ 1,607,222 | $ 738,000 |
| Tampa, FL | 36 | $ 28,190,000 | $ 783,055 | $ 460,000 |
| Barnstable Town, MA | 34 | $ 27,640,000 | $ 812,941 | $ 463,000 |
| Jacksonville, FL | 33 | $ 28,865,000 | $ 874,696 | $ 467,000 |
| Providence-Warwick, RI-MA | 32 | $ 23,030,000 | $ 719,687 | $ 490,468 |
| Tucson, AZ | 32 | $ 19,190,000 | $ 599,687 | $ 331,000 |
| Warren-Troy-Farmington Hills, MI | 32 | $ 23,180,000 | $ 724,375 | $ 378,000 |
| Boise City, ID | 30 | $ 19,200,000 | $ 640,000 | $ 455,000 |
| Cape Coral-Fort Myers, FL | 30 | $ 17,810,000 | $ 593,666 | $ 421,000 |
| Crestview-Fort Walton Beach-Destin, FL | 29 | $ 44,685,000 | $ 1,540,862 | $ 922,000 |
| Cincinnati, OH-KY-IN | 28 | $ 14,130,000 | $ 504,642 | $ 410,035 |
| Everett, WA | 28 | $ 24,230,000 | $ 865,357 | $ 356,000 |
| Marietta, GA | 27 | $ 17,045,000 | $ 631,296 | $ 290,000 |
| Philadelphia, PA | 27 | $ 22,235,000 | $ 823,518 | $ 392,000 |
| Columbus, OH | 26 | $ 20,150,000 | $ 775,000 | $ 378,000 |
| St. Petersburg-Clearwater-Largo, FL | 26 | $ 16,570,000 | $ 637,307 | $ 394,000 |
| Wilmington, NC | 26 | $ 15,780,000 | $ 606,923 | $ 383,000 |
| Atlantic City-Hammonton, NJ | 25 | $ 22,745,000 | $ 909,800 | $ 522,000 |
| Richmond, VA | 25 | $ 15,245,000 | $ 609,800 | $ 356,000 |
| Durham-Chapel Hill, NC | 23 | $ 13,905,000 | $ 604,565 | $ 349,000 |
| Greenville-Anderson-Mauldin, SC | 23 | $ 15,595,000 | $ 678,043 | $ 338,000 |
| Prescott Valley-Prescott, AZ | 23 | $ 12,425,000 | $ 540,217 | $ 272,000 |
| Santa Cruz-Watsonville, CA | 23 | $ 19,795,000 | $ 860,652 | $ 601,000 |
| Asheville, NC | 22 | $ 15,720,000 | $ 714,545 | $ 369,000 |
| Salt Lake City, UT | 22 | $ 21,380,000 | $ 971,818 | $ 376,000 |
| Cleveland, OH | 20 | $ 6,090,000 | $ 304,500 | $ 214,000 |
| Napa, CA | 20 | $ 27,340,000 | $ 1,367,000 | $ 772,000 |
| San Antonio-New Braunfels, TX | 20 | $ 12,340,000 | $ 617,000 | $ 338,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 20 | $ 15,740,000 | $ 787,000 | $ 860,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 19 | $ 9,225,000 | $ 485,526 | $ 350,000 |
| Kansas City, MO-KS | 19 | $ 15,555,000 | $ 818,684 | $ 357,578 |
| Milwaukee-Waukesha-West Allis, WI | 19 | $ 10,695,000 | $ 562,894 | $ 291,000 |
| Port St. Lucie, FL | 19 | $ 18,195,000 | $ 957,631 | $ 494,000 |
| Portland-South Portland, ME | 19 | $ 18,185,000 | $ 957,105 | $ 443,000 |
| Knoxville, TN | 18 | $ 11,820,000 | $ 656,666 | $ 400,000 |
| Louisville/Jefferson County, KY-IN | 17 | $ 11,225,000 | $ 660,294 | $ 399,000 |
| Pittsburgh, PA | 17 | $ 8,885,000 | $ 522,647 | $ 479,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 11,615,000 | $ 683,235 | $ 385,705 |
| Wildwood-The Villages, FL | 17 | $ 8,265,000 | $ 486,176 | $ 258,000 |
| Colorado Springs, CO | 16 | $ 7,740,000 | $ 483,750 | $ 215,000 |
| Hartford-West Hartford-East Hartford, CT | 16 | $ 9,360,000 | $ 585,000 | $ 452,000 |
| Trenton, NJ | 16 | $ 7,300,000 | $ 456,250 | $ 279,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 15 | $ 11,975,000 | $ 798,333 | $ 379,000 |
| Fort Collins, CO | 15 | $ 9,375,000 | $ 625,000 | $ 334,000 |
| Omaha-Council Bluffs, NE-IA | 14 | $ 7,490,000 | $ 535,000 | $ 247,000 |
| Provo-Orem, UT | 14 | $ 10,020,000 | $ 715,714 | $ 333,000 |
| Albuquerque, NM | 13 | $ 5,145,000 | $ 395,769 | $ 190,000 |
| Birmingham-Hoover, AL | 13 | $ 7,085,000 | $ 545,000 | $ 234,000 |
| Bozeman, MT | 13 | $ 14,705,000 | $ 1,131,153 | $ 390,000 |
| Charlottesville, VA | 13 | $ 7,815,000 | $ 601,153 | $ 296,000 |
| Daphne-Fairhope-Foley, AL | 13 | $ 8,815,000 | $ 678,076 | $ 296,000 |
| Spokane-Spokane Valley, WA | 13 | $ 5,645,000 | $ 434,230 | $ 185,000 |
| Tacoma-Lakewood, WA | 13 | $ 6,805,000 | $ 523,461 | $ 389,000 |
| Rockingham County-Strafford County, NH | 12 | $ 9,180,000 | $ 765,000 | $ 574,000 |
| Santa Fe, NM | 12 | $ 9,560,000 | $ 796,666 | $ 377,000 |
| Coeur D'Alene, ID | 11 | $ 9,345,000 | $ 849,545 | $ 337,000 |
| Fresno, CA | 11 | $ 6,515,000 | $ 592,272 | $ 316,000 |
| Grand Rapids-Wyoming, MI | 11 | $ 7,605,000 | $ 691,363 | $ 375,000 |
| Lake County-Porter County-Jasper County, IN | 11 | $ 2,925,000 | $ 265,909 | $ 174,000 |
| New Orleans-Metairie, LA | 11 | $ 8,475,000 | $ 770,454 | $ 673,000 |
| Oklahoma City, OK | 11 | $ 6,485,000 | $ 589,545 | $ 268,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 5,375,000 | $ 488,636 | $ 234,000 |
| Eugene, OR | 10 | $ 4,290,000 | $ 429,000 | $ 298,000 |
| Manchester-Nashua, NH | 10 | $ 4,530,000 | $ 453,000 | $ 263,000 |
| New Haven-Milford, CT | 10 | $ 7,350,000 | $ 735,000 | $ 499,000 |
| Sebastian-Vero Beach, FL | 10 | $ 5,360,000 | $ 536,000 | $ 416,000 |
| Urban Honolulu, HI | 10 | $ 12,050,000 | $ 1,205,000 | $ 884,000 |
| Vallejo-Fairfield, CA | 10 | $ 4,180,000 | $ 418,000 | $ 209,000 |
| Akron, OH | 9 | $ 3,075,000 | $ 341,666 | $ 188,000 |
| Madison, WI | 9 | $ 6,385,000 | $ 709,444 | $ 401,000 |
| Missoula, MT | 9 | $ 5,145,000 | $ 571,666 | $ 281,000 |
| Ogden-Clearfield, UT | 9 | $ 5,715,000 | $ 635,000 | $ 242,000 |
| Punta Gorda, FL | 9 | $ 4,575,000 | $ 508,333 | $ 269,000 |
| St. George, UT | 9 | $ 6,165,000 | $ 685,000 | $ 307,000 |
| Syracuse, NY | 9 | $ 4,405,000 | $ 489,444 | $ 319,000 |
| Wilmington, DE-MD-NJ | 9 | $ 3,525,000 | $ 391,666 | $ 187,555 |
| Camden, NJ | 8 | $ 2,800,000 | $ 350,000 | $ 264,000 |
| Elgin, IL | 8 | $ 2,420,000 | $ 302,500 | $ 234,000 |
| Panama City, FL | 8 | $ 3,030,000 | $ 378,750 | $ 219,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 4,350,000 | $ 543,750 | $ 386,000 |
| Savannah, GA | 8 | $ 4,800,000 | $ 600,000 | $ 268,000 |
| Traverse City, MI | 8 | $ 6,720,000 | $ 840,000 | $ 397,000 |
| Winston-Salem, NC | 8 | $ 3,800,000 | $ 475,000 | $ 273,000 |
| Ann Arbor, MI | 7 | $ 2,525,000 | $ 360,714 | $ 246,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 3,645,000 | $ 520,714 | $ 327,571 |
| Bellingham, WA | 7 | $ 4,895,000 | $ 699,285 | $ 215,000 |
| Bremerton-Silverdale, WA | 7 | $ 5,435,000 | $ 776,428 | $ 316,000 |
| Detroit-Dearborn-Livonia, MI | 7 | $ 5,535,000 | $ 790,714 | $ 431,000 |
| Gainesville, GA | 7 | $ 3,275,000 | $ 467,857 | $ 266,000 |
| Kahului-Wailuku-Lahaina, HI | 7 | $ 7,425,000 | $ 1,060,714 | $ 617,000 |
| Pinehurst-Southern Pines, NC | 7 | $ 3,055,000 | $ 436,428 | $ 241,000 |
| Tulsa, OK | 7 | $ 4,865,000 | $ 695,000 | $ 420,000 |
| Worcester, MA-CT | 7 | $ 4,245,000 | $ 606,428 | $ 295,000 |
| Brunswick, GA | 6 | $ 4,500,000 | $ 750,000 | $ 338,000 |
| Chattanooga, TN-GA | 6 | $ 2,990,000 | $ 498,333 | $ 260,000 |
| Columbia, SC | 6 | $ 3,790,000 | $ 631,666 | $ 304,000 |
| Corpus Christi, TX | 6 | $ 4,050,000 | $ 675,000 | $ 440,000 |
| Greeley, CO | 6 | $ 3,800,000 | $ 633,333 | $ 458,000 |
| Greensboro-High Point, NC | 6 | $ 1,560,000 | $ 260,000 | $ 148,000 |
| Jackson, MS | 6 | $ 2,710,000 | $ 451,666 | $ 219,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 1,920,000 | $ 320,000 | $ 224,000 |
| Lancaster, PA | 6 | $ 3,230,000 | $ 538,333 | $ 381,000 |
| Lansing-East Lansing, MI | 6 | $ 1,390,000 | $ 231,666 | $ 220,000 |
| Lexington-Fayette, KY | 6 | $ 2,850,000 | $ 475,000 | $ 321,000 |
| Medford, OR | 6 | $ 4,240,000 | $ 706,666 | $ 604,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 3,210,000 | $ 535,000 | $ 179,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 3,490,000 | $ 581,666 | $ 248,000 |
| College Station-Bryan, TX | 5 | $ 2,625,000 | $ 525,000 | $ 247,000 |
| Dayton-Springfield-Kettering, OH | 5 | $ 1,355,000 | $ 271,000 | $ 155,000 |
| Des Moines-West Des Moines, IA | 5 | $ 3,325,000 | $ 665,000 | $ 486,000 |
| Flagstaff, AZ | 5 | $ 5,515,000 | $ 1,103,000 | $ 364,000 |
| Harrisburg-Carlisle, PA | 5 | $ 2,145,000 | $ 429,000 | $ 428,000 |
| Huntsville, AL | 5 | $ 1,475,000 | $ 295,000 | $ 473,000 |
| Memphis, TN-MS-AR | 5 | $ 2,665,000 | $ 533,000 | $ 479,000 |
| Ocala, FL | 5 | $ 865,000 | $ 173,000 | $ 105,000 |
| Rochester, NY | 5 | $ 2,385,000 | $ 477,000 | $ 177,000 |
| Wenatchee, WA | 5 | $ 2,705,000 | $ 541,000 | $ 182,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 1,080,000 | $ 270,000 | $ 222,000 |
| Baton Rouge, LA | 4 | $ 1,590,000 | $ 397,500 | $ 290,000 |
| Duluth, MN-WI | 4 | $ 1,460,000 | $ 365,000 | $ 228,000 |
| El Paso, TX | 4 | $ 2,100,000 | $ 525,000 | $ 230,000 |
| Gainesville, FL | 4 | $ 1,830,000 | $ 457,500 | $ 191,000 |
| Glens Falls, NY | 4 | $ 1,980,000 | $ 495,000 | $ 235,000 |
| Grand Junction, CO | 4 | $ 1,670,000 | $ 417,500 | $ 217,000 |
| Kingston, NY | 4 | $ 1,940,000 | $ 485,000 | $ 233,000 |
| Lafayette-West Lafayette, IN | 4 | $ 1,040,000 | $ 260,000 | $ 293,000 |
| Lexington Park, MD | 4 | $ 2,750,000 | $ 687,500 | $ 287,000 |
| Norwich-New London, CT | 4 | $ 2,380,000 | $ 595,000 | $ 283,000 |
| Olympia-Tumwater, WA | 4 | $ 3,000,000 | $ 750,000 | $ 362,000 |
| Pittsfield, MA | 4 | $ 1,190,000 | $ 297,500 | $ 336,000 |
| Roanoke, VA | 4 | $ 1,070,000 | $ 267,500 | $ 249,000 |
| Stockton-Lodi, CA | 4 | $ 3,380,000 | $ 845,000 | $ 673,000 |
| Wichita, KS | 4 | $ 1,460,000 | $ 365,000 | $ 426,000 |
| Athens-Clarke County, GA | 3 | $ 1,235,000 | $ 411,666 | $ 269,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 3 | $ 875,000 | $ 291,666 | $ 147,000 |
| Clarksville, TN-KY | 3 | $ 1,815,000 | $ 605,000 | $ 461,000 |
| Corvallis, OR | 3 | $ 1,225,000 | $ 408,333 | $ 183,000 |
| Green Bay, WI | 3 | $ 855,000 | $ 285,000 | $ 188,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 985,000 | $ 328,333 | $ 185,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 1,065,000 | $ 355,000 | $ 274,000 |
| Jacksonville, NC | 3 | $ 1,435,000 | $ 478,333 | $ 166,000 |
| Killeen-Temple, TX | 3 | $ 1,295,000 | $ 431,666 | $ 275,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 3 | $ 6,285,000 | $ 2,095,000 | $ 1,614,000 |
| La Crosse-Onalaska, WI-MN | 3 | $ 845,000 | $ 281,666 | $ 128,000 |
| Las Cruces, NM | 3 | $ 395,000 | $ 131,666 | $ 74,000 |
| Lincoln, NE | 3 | $ 1,465,000 | $ 488,333 | $ 537,000 |
| Lynchburg, VA | 3 | $ 2,285,000 | $ 761,666 | $ 433,000 |
| Michigan City-La Porte, IN | 3 | $ 3,225,000 | $ 1,075,000 | $ 499,000 |
| Reading, PA | 3 | $ 755,000 | $ 251,666 | $ 136,000 |
| Rome, GA | 3 | $ 695,000 | $ 231,666 | $ 201,000 |
| Salem, OR | 3 | $ 1,525,000 | $ 508,333 | $ 360,000 |
| Sandusky, OH | 3 | $ 1,835,000 | $ 611,666 | $ 452,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 625,000 | $ 208,333 | $ 160,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 1,145,000 | $ 381,666 | $ 329,666 |
| State College, PA | 3 | $ 1,745,000 | $ 581,666 | $ 369,000 |
| Tallahassee, FL | 3 | $ 885,000 | $ 295,000 | $ 241,000 |
| Toledo, OH | 3 | $ 965,000 | $ 321,666 | $ 380,000 |
| Tyler, TX | 3 | $ 835,000 | $ 278,333 | $ 245,000 |
| York-Hanover, PA | 3 | $ 535,000 | $ 178,333 | $ 286,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 630,000 | $ 315,000 | $ 123,000 |
| Anchorage, AK | 2 | $ 900,000 | $ 450,000 | $ 315,000 |
| Auburn-Opelika, AL | 2 | $ 1,060,000 | $ 530,000 | $ 262,000 |
| Bakersfield, CA | 2 | $ 740,000 | $ 370,000 | $ 222,000 |
| Billings, MT | 2 | $ 1,710,000 | $ 855,000 | $ 480,000 |
| Bowling Green, KY | 2 | $ 1,190,000 | $ 595,000 | $ 348,000 |
| Burlington-South Burlington, VT | 2 | $ 2,000,000 | $ 1,000,000 | $ 340,000 |
| Charleston, WV | 2 | $ 1,640,000 | $ 820,000 | $ 961,000 |
| Flint, MI | 2 | $ 340,000 | $ 170,000 | $ 152,000 |
| Fort Smith, AR-OK | 2 | $ 630,000 | $ 315,000 | $ 122,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 640,000 | $ 320,000 | $ 310,000 |
| Homosassa Springs, FL | 2 | $ 620,000 | $ 310,000 | $ 169,000 |
| Hot Springs, AR | 2 | $ 1,870,000 | $ 935,000 | $ 314,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 660,000 | $ 330,000 | $ 249,000 |
| Johnson City, TN | 2 | $ 760,000 | $ 380,000 | $ 286,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 1,310,000 | $ 655,000 | $ 318,000 |
| Lafayette, LA | 2 | $ 610,000 | $ 305,000 | $ 185,000 |
| Lake Charles, LA | 2 | $ 420,000 | $ 210,000 | $ 191,000 |
| Lakeland-Winter Haven, FL | 2 | $ 520,000 | $ 260,000 | $ 231,000 |
| Lawrence, KS | 2 | $ 460,000 | $ 230,000 | $ 179,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 610,000 | $ 305,000 | $ 465,000 |
| Longview, WA | 2 | $ 1,560,000 | $ 780,000 | $ 233,000 |
| Lubbock, TX | 2 | $ 890,000 | $ 445,000 | $ 493,000 |
| Midland, TX | 2 | $ 850,000 | $ 425,000 | $ 271,000 |
| Mobile, AL | 2 | $ 510,000 | $ 255,000 | $ 84,000 |
| Morgantown, WV | 2 | $ 790,000 | $ 395,000 | $ 240,000 |
| Niles-Benton Harbor, MI | 2 | $ 1,740,000 | $ 870,000 | $ 3,183,000 |
| Rapid City, SD | 2 | $ 910,000 | $ 455,000 | $ 166,000 |
| Sheboygan, WI | 2 | $ 490,000 | $ 245,000 | $ 486,000 |
| Spartanburg, SC | 2 | $ 880,000 | $ 440,000 | $ 173,000 |
| Springfield, IL | 2 | $ 770,000 | $ 385,000 | $ 157,000 |
| Texarkana, TX-AR | 2 | $ 980,000 | $ 490,000 | $ 237,500 |
| Utica-Rome, NY | 2 | $ 290,000 | $ 145,000 | $ 91,000 |
| Visalia-Porterville, CA | 2 | $ 2,320,000 | $ 1,160,000 | $ 404,000 |
| Amarillo, TX | 1 | $ 335,000 | $ 335,000 | $ 206,000 |
| Bangor, ME | 1 | $ 245,000 | $ 245,000 | $ 117,000 |
| Beaumont-Port Arthur, TX | 1 | $ 395,000 | $ 395,000 | $ 317,000 |
| Binghamton, NY | 1 | $ 335,000 | $ 335,000 | $ 1,166,000 |
| Bismarck, ND | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Bloomington, IL | 1 | $ 95,000 | $ 95,000 | $ 207,000 |
| Brownsville-Harlingen, TX | 1 | $ 495,000 | $ 495,000 | $ 204,000 |
| Canton-Massillon, OH | 1 | $ 535,000 | $ 535,000 | $ 399,000 |
| Carson City, NV | 1 | $ 555,000 | $ 555,000 | $ 122,000 |
| Chico, CA | 1 | $ 395,000 | $ 395,000 | $ 244,000 |
| Columbia, MO | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Columbus, GA-AL | 1 | $ 355,000 | $ 355,000 | $ 380,000 |
| Dubuque, IA | 1 | $ 285,000 | $ 285,000 | $ 170,000 |
| Evansville, IN-KY | 1 | $ 255,000 | $ 255,000 | $ 216,000 |
| Fond Du Lac, WI | 1 | $ 775,000 | $ 775,000 | $ 600,000 |
| Fort Wayne, IN | 1 | $ 395,000 | $ 395,000 | $ 150,000 |
| Goldsboro, NC | 1 | $ 435,000 | $ 435,000 | $ 130,000 |
| Iowa City, IA | 1 | $ 415,000 | $ 415,000 | $ 254,000 |
| Ithaca, NY | 1 | $ 635,000 | $ 635,000 | $ 207,000 |
| Janesville-Beloit, WI | 1 | $ 375,000 | $ 375,000 | $ 189,000 |
| Jefferson City, MO | 1 | $ 505,000 | $ 505,000 | $ 2,080,000 |
| Kalamazoo-Portage, MI | 1 | $ 335,000 | $ 335,000 | $ 124,000 |
| Longview, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 275,000 | $ 275,000 | $ 201,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Minot, ND | 1 | $ 545,000 | $ 545,000 | $ 419,000 |
| Modesto, CA | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Montgomery, AL | 1 | $ 1,425,000 | $ 1,425,000 | $ 1,297,000 |
| Oshkosh-Neenah, WI | 1 | $ 575,000 | $ 575,000 | $ 304,000 |
| Racine, WI | 1 | $ 465,000 | $ 465,000 | $ 210,000 |
| Rochester, MN | 1 | $ 355,000 | $ 355,000 | $ 240,000 |
| Rockford, IL | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| San Angelo, TX | 1 | $ 815,000 | $ 815,000 | $ 298,000 |
| Shreveport-Bossier City, LA | 1 | $ 1,265,000 | $ 1,265,000 | $ 1,155,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Sioux Falls, SD | 1 | $ 475,000 | $ 475,000 | $ 813,000 |
| Warner Robins, GA | 1 | $ 205,000 | $ 205,000 | $ 216,000 |
| Wichita Falls, TX | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
| Winchester, VA-WV | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Yakima, WA | 1 | $ 935,000 | $ 935,000 | $ 319,000 |
| Yuma, AZ | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2025
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 | 5,257 | $4,773,095,000 | $907,000 | $12,005,000 | $470,000 | $9,961,000 |
| Refinancing | 1,471 | $1,709,305,000 | $1,162,000 | $11,055,000 | $570,000 | $6,694,000 |
| Cash-out Refinancing | 597 | $366,065,000 | $613,000 | $6,005,000 | $416,000 | $4,024,000 |
| Other Purpose | 516 | $476,010,000 | $922,000 | $7,005,000 | $482,000 | $5,077,000 |
| Home Improvement | 285 | $116,495,000 | $408,000 | $3,995,000 | $256,000 | $1,508,000 |
| 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 | 5,647 | $4,933,085,000 | $873,000 | $12,005,000 | $453,000 | $9,961,000 |
| Not Provided | 1,223 | $1,206,405,000 | $986,000 | $9,995,000 | $527,000 | $7,915,000 |
| Asian | 944 | $1,053,770,000 | $1,116,000 | $5,935,000 | $577,000 | $6,694,000 |
| Hispanic | 232 | $180,470,000 | $777,000 | $4,905,000 | $421,000 | $2,292,000 |
| Black or African American | 58 | $46,030,000 | $793,000 | $3,205,000 | $430,000 | $4,536,000 |
| American Indian or Alaskan Native | 13 | $9,205,000 | $708,000 | $1,725,000 | $374,000 | $782,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $12,005,000 | $1,333,000 | $2,005,000 | $565,000 | $1,106,000 |
| 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) | 8,126 | $7,440,970,000 | $915,000 | $12,005,000 | $477,000 | $9,961,000 |
| 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 | 6,065 | $6,197,115,000 | $1,021,000 | $12,005,000 | $527,000 | $9,961,000 |
| Loan Purchased By The Institution | 1,604 | $783,470,000 | $488,000 | $2,005,000 | $297,000 | $6,120,000 |
| Application Denied By Financial Institution | 340 | $345,340,000 | $1,015,000 | $5,005,000 | $405,000 | $2,732,000 |
| Application Approved But Not Accepted | 113 | $108,655,000 | $961,000 | $4,535,000 | $499,000 | $1,632,000 |
| Application Withdrawn By Applicant | 4 | $6,390,000 | $1,597,000 | $2,665,000 | $866,000 | $1,553,000 |
| File Closed For Incompleteness | 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 | 7,786 | $7,095,630,000 | $911,000 | $12,005,000 | $481,000 | $9,961,000 |
| Collateral | 135 | $116,275,000 | $861,000 | $3,925,000 | $424,000 | $1,536,000 |
| Debt-To-Income Ratio | 132 | $157,900,000 | $1,196,000 | $4,905,000 | $314,000 | $2,732,000 |
| Unverifiable Information | 26 | $24,750,000 | $951,000 | $4,655,000 | $461,000 | $2,527,000 |
| Other | 25 | $26,495,000 | $1,059,000 | $2,855,000 | $688,000 | $1,791,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $12,680,000 | $1,268,000 | $5,005,000 | $528,000 | $1,729,000 |
| Credit History | 6 | $4,020,000 | $670,000 | $1,475,000 | $407,000 | $1,007,000 |
| Employment History | 3 | $1,425,000 | $475,000 | $905,000 | $174,000 | $323,000 |
| Credit Application Incomplete | 3 | $1,795,000 | $598,000 | $1,085,000 | $316,000 | $439,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2025 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.
For a list of all lenders in Colorado, download the full spreadsheet
with aggregated HMDA statistics today.
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