Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2011
In 2011, Charles Schwab Bank, SSB of Lone Tree, CO reported 18,051 mortgage applications totaling $6.9 billion. The average application was for $380,765, and applicants reported an average income of $186,430. 54% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (1,214), Los Angeles-Long Beach-Glendale, CA (1,031) and Oakland-Fremont-Hayward, CA (989) (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 | 18,051 |
| Total Mortgage Loan Application Amount | $6,873,204,000 |
| Average Mortgage Loan Application Amount | $380,765 |
| Highest Mortgage Loan Application Amount | $5,760,000 |
| Average Applicant Income | $186,430 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Francisco-San Mateo-Redwood City, CA | 1,214 | $ 685,289,000 | $ 564,488 | $ 215,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,031 | $ 594,377,000 | $ 576,505 | $ 267,000 |
| Oakland-Fremont-Hayward, CA | 989 | $ 406,117,000 | $ 410,633 | $ 159,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 770 | $ 397,525,000 | $ 516,266 | $ 186,000 |
| Santa Ana-Anaheim-Irvine, CA | 646 | $ 325,393,000 | $ 503,704 | $ 220,000 |
| San Diego-Carlsbad-San Marcos, CA | 594 | $ 278,274,000 | $ 468,474 | $ 205,000 |
| Chicago-Joliet-Naperville, IL | 529 | $ 188,236,000 | $ 355,833 | $ 196,000 |
| Phoenix-Mesa-Glendale, AZ | 476 | $ 136,474,000 | $ 286,710 | $ 152,000 |
| New York-White Plains-Wayne, NY-NJ | 474 | $ 243,438,000 | $ 513,582 | $ 270,071 |
| Denver-Aurora-Broomfield, CO | 460 | $ 140,673,000 | $ 305,810 | $ 141,000 |
| Seattle-Bellevue-Everett, WA | 419 | $ 158,899,000 | $ 379,233 | $ 170,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 371 | $ 144,460,000 | $ 389,380 | $ 189,471 |
| Atlanta-Sandy Springs-Marietta, GA | 340 | $ 103,719,000 | $ 305,055 | $ 174,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 281 | $ 85,657,000 | $ 304,829 | $ 153,000 |
| Riverside-San Bernardino-Ontario, CA | 278 | $ 80,690,000 | $ 290,251 | $ 168,000 |
| Houston-Sugar Land-Baytown, TX | 231 | $ 78,970,000 | $ 341,861 | $ 183,000 |
| Dallas-Plano-Irving, TX | 214 | $ 78,483,000 | $ 366,742 | $ 198,000 |
| Philadelphia, PA | 197 | $ 66,479,000 | $ 337,456 | $ 184,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 195 | $ 61,163,000 | $ 313,656 | $ 171,200 |
| Boston-Quincy, MA | 175 | $ 72,228,000 | $ 412,731 | $ 200,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 174 | $ 45,209,000 | $ 259,821 | $ 144,689 |
| Austin-Round Rock-San Marcos, TX | 158 | $ 51,428,000 | $ 325,493 | $ 168,000 |
| Santa Rosa-Petaluma, CA | 154 | $ 58,058,000 | $ 377,000 | $ 180,000 |
| Edison-New Brunswick, NJ | 151 | $ 55,616,000 | $ 368,317 | $ 179,000 |
| Newark-Union, NJ-PA | 145 | $ 57,993,000 | $ 399,951 | $ 230,275 |
| Bridgeport-Stamford-Norwalk, CT | 144 | $ 88,133,000 | $ 612,034 | $ 241,000 |
| Cambridge-Newton-Framingham, MA | 136 | $ 51,789,000 | $ 380,801 | $ 189,000 |
| Reno-Sparks, NV | 135 | $ 42,646,000 | $ 315,896 | $ 154,000 |
| Las Vegas-Paradise, NV | 130 | $ 30,786,000 | $ 236,815 | $ 206,000 |
| Nassau-Suffolk, NY | 129 | $ 60,690,000 | $ 470,465 | $ 247,000 |
| Bethesda-Rockville-Frederick, MD | 120 | $ 48,724,000 | $ 406,033 | $ 197,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 111 | $ 37,406,000 | $ 336,990 | $ 191,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 107 | $ 39,793,000 | $ 371,897 | $ 198,000 |
| Orlando-Kissimmee-Sanford, FL | 107 | $ 26,859,000 | $ 251,018 | $ 159,000 |
| Indianapolis-Carmel, IN | 106 | $ 25,523,000 | $ 240,783 | $ 192,000 |
| Baltimore-Towson, MD | 104 | $ 33,033,000 | $ 317,625 | $ 181,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 103 | $ 49,941,000 | $ 484,864 | $ 173,000 |
| Tampa-St. Petersburg-Clearwater, FL | 99 | $ 28,184,000 | $ 284,686 | $ 186,000 |
| Boulder, CO | 96 | $ 32,992,000 | $ 343,666 | $ 154,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 95 | $ 24,322,000 | $ 256,021 | $ 141,094 |
| Warren-Troy-Farmington Hills, MI | 94 | $ 22,952,000 | $ 244,170 | $ 142,000 |
| Miami-Miami Beach-Kendall, FL | 91 | $ 39,155,000 | $ 430,274 | $ 354,000 |
| St. Louis, MO-IL | 85 | $ 21,015,000 | $ 247,235 | $ 143,258 |
| Kansas City, MO-KS | 84 | $ 19,810,000 | $ 235,833 | $ 169,285 |
| Fort Worth-Arlington, TX | 78 | $ 26,436,000 | $ 338,923 | $ 193,000 |
| Lake County-Kenosha County, IL-WI | 78 | $ 23,977,000 | $ 307,397 | $ 208,128 |
| Jacksonville, FL | 77 | $ 24,338,000 | $ 316,077 | $ 141,000 |
| North Port-Bradenton-Sarasota, FL | 72 | $ 24,753,000 | $ 343,791 | $ 265,000 |
| Honolulu, HI | 70 | $ 33,470,000 | $ 478,142 | $ 148,000 |
| Raleigh-Cary, NC | 70 | $ 19,356,000 | $ 276,514 | $ 152,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 70 | $ 48,540,000 | $ 693,428 | $ 222,000 |
| Tucson, AZ | 69 | $ 19,323,000 | $ 280,043 | $ 140,000 |
| Salinas, CA | 64 | $ 24,960,000 | $ 390,000 | $ 168,000 |
| Hartford-West Hartford-East Hartford, CT | 62 | $ 18,529,000 | $ 298,854 | $ 198,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 61 | $ 16,403,000 | $ 268,901 | $ 122,000 |
| Cleveland-Elyria-Mentor, OH | 59 | $ 12,915,000 | $ 218,898 | $ 150,000 |
| Providence-New Bedford-Fall River, RI-MA | 56 | $ 18,660,000 | $ 333,214 | $ 192,000 |
| Salt Lake City, UT | 56 | $ 22,421,000 | $ 400,375 | $ 211,000 |
| Albuquerque, NM | 55 | $ 11,398,000 | $ 207,236 | $ 122,000 |
| Milwaukee-Waukesha-West Allis, WI | 54 | $ 14,282,000 | $ 264,481 | $ 211,000 |
| San Antonio-New Braunfels, TX | 54 | $ 14,639,000 | $ 271,092 | $ 150,000 |
| Cape Coral-Fort Myers, FL | 53 | $ 16,912,000 | $ 319,094 | $ 143,000 |
| Naples-Marco Island, FL | 53 | $ 17,630,000 | $ 332,641 | $ 163,000 |
| Santa Cruz-Watsonville, CA | 51 | $ 22,644,000 | $ 444,000 | $ 173,000 |
| San Luis Obispo-Paso Robles, CA | 49 | $ 17,205,000 | $ 351,122 | $ 179,000 |
| Charleston-North Charleston-Summerville, SC | 47 | $ 20,612,000 | $ 438,553 | $ 186,000 |
| Napa, CA | 47 | $ 22,988,000 | $ 489,106 | $ 203,000 |
| Anchorage, AK | 45 | $ 10,947,000 | $ 243,266 | $ 148,000 |
| Cincinnati-Middletown, OH-KY-IN | 45 | $ 11,956,000 | $ 265,688 | $ 145,688 |
| Peabody, MA | 45 | $ 14,848,000 | $ 329,955 | $ 176,000 |
| Colorado Springs, CO | 44 | $ 11,739,000 | $ 266,795 | $ 118,000 |
| Pittsburgh, PA | 44 | $ 11,338,000 | $ 257,681 | $ 140,000 |
| Richmond, VA | 44 | $ 12,739,000 | $ 289,522 | $ 147,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 43 | $ 13,763,000 | $ 320,069 | $ 161,534 |
| Asheville, NC | 41 | $ 14,512,000 | $ 353,951 | $ 126,000 |
| Durham-Chapel Hill, NC | 41 | $ 13,588,000 | $ 331,414 | $ 174,000 |
| Camden, NJ | 40 | $ 8,719,000 | $ 217,975 | $ 147,000 |
| Stockton, CA | 40 | $ 8,970,000 | $ 224,250 | $ 102,000 |
| Tulsa, OK | 40 | $ 7,481,000 | $ 187,025 | $ 123,000 |
| Bend, OR | 39 | $ 11,965,000 | $ 306,794 | $ 175,000 |
| New Orleans-Metairie-Kenner, LA | 39 | $ 10,158,000 | $ 260,461 | $ 184,000 |
| Boise City-Nampa, ID | 38 | $ 11,307,000 | $ 297,552 | $ 190,000 |
| Columbus, OH | 36 | $ 7,636,000 | $ 212,111 | $ 128,000 |
| Vallejo-Fairfield, CA | 35 | $ 7,568,000 | $ 216,228 | $ 98,000 |
| Bremerton-Silverdale, WA | 33 | $ 11,534,000 | $ 349,515 | $ 160,000 |
| Santa Fe, NM | 33 | $ 12,142,000 | $ 367,939 | $ 157,000 |
| Omaha-Council Bluffs, NE-IA | 32 | $ 6,029,000 | $ 188,406 | $ 119,843 |
| Spokane, WA | 32 | $ 6,171,000 | $ 192,843 | $ 108,000 |
| Fresno, CA | 31 | $ 8,217,000 | $ 265,064 | $ 189,000 |
| Louisville-Jefferson County, KY-IN | 31 | $ 8,073,000 | $ 260,419 | $ 158,096 |
| Tacoma, WA | 31 | $ 8,546,000 | $ 275,677 | $ 170,000 |
| Ann Arbor, MI | 30 | $ 5,932,000 | $ 197,733 | $ 139,000 |
| Birmingham-Hoover, AL | 30 | $ 6,933,000 | $ 231,100 | $ 140,000 |
| Oklahoma City, OK | 30 | $ 6,193,000 | $ 206,433 | $ 148,000 |
| Wilmington, NC | 29 | $ 10,235,000 | $ 352,931 | $ 210,000 |
| Barnstable Town, MA | 27 | $ 9,348,000 | $ 346,222 | $ 193,000 |
| Modesto, CA | 27 | $ 4,106,000 | $ 152,074 | $ 168,000 |
| Bakersfield-Delano, CA | 26 | $ 6,870,000 | $ 264,230 | $ 181,000 |
| Fort Collins-Loveland, CO | 26 | $ 8,449,000 | $ 324,961 | $ 159,000 |
| Medford, OR | 26 | $ 6,763,000 | $ 260,115 | $ 119,000 |
| Memphis, TN-MS-AR | 26 | $ 5,667,000 | $ 217,961 | $ 159,769 |
| Manchester-Nashua, NH | 25 | $ 5,350,000 | $ 214,000 | $ 100,000 |
| Detroit-Livonia-Dearborn, MI | 24 | $ 5,662,000 | $ 235,916 | $ 152,000 |
| Eugene-Springfield, OR | 24 | $ 5,893,000 | $ 245,541 | $ 119,000 |
| Trenton-Ewing, NJ | 24 | $ 10,312,000 | $ 429,666 | $ 186,000 |
| New Haven-Milford, CT | 23 | $ 6,646,000 | $ 288,956 | $ 221,000 |
| Rockingham County-Strafford County, NH | 23 | $ 6,532,000 | $ 284,000 | $ 152,000 |
| Harrisburg-Carlisle, PA | 22 | $ 4,891,000 | $ 222,318 | $ 198,000 |
| Port St. Lucie, FL | 22 | $ 5,626,000 | $ 255,727 | $ 151,000 |
| Rochester, NY | 22 | $ 3,576,000 | $ 162,545 | $ 131,000 |
| Savannah, GA | 22 | $ 4,778,000 | $ 217,181 | $ 174,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 21 | $ 4,718,000 | $ 224,666 | $ 765,714 |
| Greenville-Mauldin-Easley, SC | 21 | $ 7,508,000 | $ 357,523 | $ 226,000 |
| Des Moines-West Des Moines, IA | 20 | $ 4,031,000 | $ 201,550 | $ 135,000 |
| Wilmington, DE-MD-NJ | 20 | $ 4,311,000 | $ 215,550 | $ 147,800 |
| Worcester, MA | 20 | $ 4,781,000 | $ 239,050 | $ 161,000 |
| Palm Bay-Melbourne-Titusville, FL | 19 | $ 4,188,000 | $ 220,421 | $ 144,000 |
| Portland-South Portland-Biddeford, ME | 19 | $ 4,865,000 | $ 256,052 | $ 159,000 |
| Little Rock-North Little Rock-Conway, AR | 18 | $ 3,895,000 | $ 216,388 | $ 178,000 |
| Madison, WI | 18 | $ 5,050,000 | $ 280,555 | $ 131,000 |
| Wichita, KS | 18 | $ 4,409,000 | $ 244,944 | $ 165,000 |
| Knoxville, TN | 17 | $ 5,106,000 | $ 300,352 | $ 187,000 |
| Prescott, AZ | 17 | $ 3,667,000 | $ 215,705 | $ 111,000 |
| Albany-Schenectady-Troy, NY | 16 | $ 3,607,000 | $ 225,437 | $ 143,000 |
| Coeur D'Alene, ID | 16 | $ 5,894,000 | $ 368,375 | $ 145,000 |
| Olympia, WA | 16 | $ 4,120,000 | $ 257,500 | $ 130,000 |
| Baton Rouge, LA | 15 | $ 4,431,000 | $ 295,400 | $ 197,000 |
| Flagstaff, AZ | 15 | $ 4,135,000 | $ 275,666 | $ 102,000 |
| Ocean City, NJ | 15 | $ 5,832,000 | $ 388,800 | $ 244,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 15 | $ 4,626,000 | $ 308,400 | $ 190,000 |
| St. George, UT | 15 | $ 4,592,000 | $ 306,133 | $ 295,000 |
| Atlantic City-Hammonton, NJ | 14 | $ 2,973,000 | $ 212,357 | $ 209,000 |
| Burlington-South Burlington, VT | 14 | $ 4,522,000 | $ 323,000 | $ 132,000 |
| Gary, IN | 14 | $ 2,876,000 | $ 205,428 | $ 115,000 |
| Akron, OH | 13 | $ 2,267,000 | $ 174,384 | $ 126,000 |
| Bellingham, WA | 13 | $ 3,438,000 | $ 264,461 | $ 133,000 |
| Corvallis, OR | 12 | $ 2,585,000 | $ 215,416 | $ 137,000 |
| Huntsville, AL | 12 | $ 2,988,000 | $ 249,000 | $ 119,000 |
| Jackson, MS | 12 | $ 4,090,000 | $ 340,833 | $ 164,000 |
| Lancaster, PA | 12 | $ 4,087,000 | $ 340,583 | $ 243,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 12 | $ 2,305,000 | $ 192,083 | $ 158,000 |
| Salem, OR | 12 | $ 2,277,000 | $ 189,750 | $ 116,000 |
| Springfield, MA | 12 | $ 2,408,000 | $ 200,666 | $ 114,000 |
| Winston-Salem, NC | 12 | $ 2,085,000 | $ 173,750 | $ 110,000 |
| Gainesville, FL | 11 | $ 2,784,000 | $ 253,090 | $ 177,000 |
| Grand Rapids-Wyoming, MI | 11 | $ 1,852,000 | $ 168,363 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,791,000 | $ 179,100 | $ 77,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 2,304,000 | $ 230,400 | $ 95,000 |
| Grand Junction, CO | 10 | $ 2,005,000 | $ 200,500 | $ 79,000 |
| Greensboro-High Point, NC | 10 | $ 2,673,000 | $ 267,300 | $ 121,000 |
| Holland-Grand Haven, MI | 10 | $ 3,546,000 | $ 354,600 | $ 233,000 |
| Montgomery, AL | 10 | $ 1,432,000 | $ 143,200 | $ 192,000 |
| Pittsfield, MA | 10 | $ 2,624,000 | $ 262,400 | $ 145,000 |
| Provo-Orem, UT | 10 | $ 2,277,000 | $ 227,700 | $ 170,000 |
| Punta Gorda, FL | 10 | $ 2,290,000 | $ 229,000 | $ 97,000 |
| Redding, CA | 10 | $ 2,777,000 | $ 277,700 | $ 183,000 |
| Shreveport-Bossier City, LA | 10 | $ 2,021,000 | $ 202,100 | $ 128,000 |
| Charlottesville, VA | 9 | $ 3,126,000 | $ 347,333 | $ 174,000 |
| Kennewick-Pasco-Richland, WA | 9 | $ 1,894,000 | $ 210,444 | $ 111,000 |
| Lansing-East Lansing, MI | 9 | $ 2,782,000 | $ 309,111 | $ 230,000 |
| Norwich-New London, CT | 9 | $ 1,729,000 | $ 192,111 | $ 132,000 |
| Scranton--Wilkes-Barre, PA | 9 | $ 2,065,000 | $ 229,444 | $ 104,000 |
| Bloomington, IN | 8 | $ 1,378,000 | $ 172,250 | $ 75,000 |
| Columbia, SC | 8 | $ 2,414,000 | $ 301,750 | $ 172,000 |
| Greeley, CO | 8 | $ 2,327,000 | $ 290,875 | $ 147,000 |
| Lakeland-Winter Haven, FL | 8 | $ 1,584,000 | $ 198,000 | $ 129,000 |
| Niles-Benton Harbor, MI | 8 | $ 2,098,000 | $ 262,250 | $ 155,000 |
| Oshkosh-Neenah, WI | 8 | $ 1,429,000 | $ 178,625 | $ 108,000 |
| Tallahassee, FL | 8 | $ 2,292,000 | $ 286,500 | $ 140,000 |
| Wenatchee-East Wenatchee, WA | 8 | $ 2,023,000 | $ 252,875 | $ 186,000 |
| York-Hanover, PA | 8 | $ 1,494,000 | $ 186,750 | $ 138,000 |
| Athens-Clarke County, GA | 7 | $ 1,440,000 | $ 205,714 | $ 137,000 |
| Buffalo-Niagara Falls, NY | 7 | $ 992,000 | $ 141,714 | $ 120,000 |
| Chattanooga, TN-GA | 7 | $ 1,140,000 | $ 162,857 | $ 107,000 |
| Corpus Christi, TX | 7 | $ 1,487,000 | $ 212,428 | $ 169,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 3,315,000 | $ 473,571 | $ 166,000 |
| Dayton, OH | 7 | $ 2,946,000 | $ 420,857 | $ 274,000 |
| Gainesville, GA | 7 | $ 2,012,000 | $ 287,428 | $ 131,000 |
| Hot Springs, AR | 7 | $ 812,000 | $ 116,000 | $ 78,000 |
| Lafayette, IN | 7 | $ 1,341,000 | $ 191,571 | $ 161,000 |
| Madera-Chowchilla, CA | 7 | $ 2,365,000 | $ 337,857 | $ 165,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 1,516,000 | $ 216,571 | $ 109,000 |
| Ogden-Clearfield, UT | 7 | $ 1,772,000 | $ 253,142 | $ 118,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,353,000 | $ 193,285 | $ 145,000 |
| Sebastian-Vero Beach, FL | 7 | $ 3,338,000 | $ 476,857 | $ 229,000 |
| Appleton, WI | 6 | $ 722,000 | $ 120,333 | $ 86,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 656,000 | $ 109,333 | $ 61,000 |
| Chico, CA | 6 | $ 1,426,000 | $ 237,666 | $ 108,000 |
| Duluth, MN-WI | 6 | $ 1,894,000 | $ 315,666 | $ 282,000 |
| El Paso, TX | 6 | $ 901,000 | $ 150,166 | $ 80,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 1,708,000 | $ 284,666 | $ 233,000 |
| Kalamazoo-Portage, MI | 6 | $ 996,000 | $ 166,000 | $ 159,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 711,000 | $ 118,500 | $ 74,000 |
| Lawrence, KS | 6 | $ 1,286,000 | $ 214,333 | $ 121,000 |
| Merced, CA | 6 | $ 2,439,000 | $ 406,500 | $ 209,000 |
| Midland, TX | 6 | $ 906,000 | $ 151,000 | $ 131,000 |
| Mobile, AL | 6 | $ 790,000 | $ 131,666 | $ 128,000 |
| Racine, WI | 6 | $ 1,935,000 | $ 322,500 | $ 234,000 |
| South Bend-Mishawaka, IN-MI | 6 | $ 1,074,000 | $ 179,000 | $ 93,333 |
| Springfield, MO | 6 | $ 945,000 | $ 157,500 | $ 119,000 |
| Toledo, OH | 6 | $ 1,243,000 | $ 207,166 | $ 144,000 |
| Visalia-Porterville, CA | 6 | $ 1,621,000 | $ 270,166 | $ 261,000 |
| Binghamton, NY | 5 | $ 800,000 | $ 160,000 | $ 76,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 934,000 | $ 186,800 | $ 187,800 |
| Fort Wayne, IN | 5 | $ 790,000 | $ 158,000 | $ 82,000 |
| Green Bay, WI | 5 | $ 685,000 | $ 137,000 | $ 103,000 |
| Kingston, NY | 5 | $ 959,000 | $ 191,800 | $ 154,000 |
| Lake Charles, LA | 5 | $ 783,000 | $ 156,600 | $ 90,000 |
| Missoula, MT | 5 | $ 1,426,000 | $ 285,200 | $ 230,000 |
| Palm Coast, FL | 5 | $ 1,826,000 | $ 365,200 | $ 118,000 |
| Tyler, TX | 5 | $ 974,000 | $ 194,800 | $ 147,000 |
| Utica-Rome, NY | 5 | $ 588,000 | $ 117,600 | $ 117,000 |
| Brunswick, GA | 4 | $ 1,350,000 | $ 337,500 | $ 221,000 |
| Champaign-Urbana, IL | 4 | $ 584,000 | $ 146,000 | $ 99,000 |
| Clarksville, TN-KY | 4 | $ 667,000 | $ 166,750 | $ 127,000 |
| Columbus, GA-AL | 4 | $ 1,103,000 | $ 275,750 | $ 124,000 |
| Evansville, IN-KY | 4 | $ 1,126,000 | $ 281,500 | $ 135,000 |
| Fayetteville, NC | 4 | $ 656,000 | $ 164,000 | $ 104,000 |
| Gulfport-Biloxi, MS | 4 | $ 417,000 | $ 104,250 | $ 82,000 |
| Jacksonville, NC | 4 | $ 978,000 | $ 244,500 | $ 147,000 |
| Killeen-Temple-Fort Hood, TX | 4 | $ 1,426,000 | $ 356,500 | $ 238,000 |
| Lexington-Fayette, KY | 4 | $ 1,641,000 | $ 410,250 | $ 435,000 |
| Lincoln, NE | 4 | $ 920,000 | $ 230,000 | $ 194,000 |
| Longview, TX | 4 | $ 362,000 | $ 90,500 | $ 174,000 |
| Longview, WA | 4 | $ 861,000 | $ 215,250 | $ 78,000 |
| Lynchburg, VA | 4 | $ 1,160,000 | $ 290,000 | $ 105,000 |
| Macon, GA | 4 | $ 893,000 | $ 223,250 | $ 133,000 |
| State College, PA | 4 | $ 892,000 | $ 223,000 | $ 84,000 |
| Syracuse, NY | 4 | $ 878,000 | $ 219,500 | $ 177,000 |
| Amarillo, TX | 3 | $ 421,000 | $ 140,333 | $ 102,000 |
| Bangor, ME | 3 | $ 359,000 | $ 119,666 | $ 70,000 |
| Canton-Massillon, OH | 3 | $ 541,000 | $ 180,333 | $ 88,000 |
| Carson City, NV | 3 | $ 608,000 | $ 202,666 | $ 85,000 |
| Cedar Rapids, IA | 3 | $ 543,000 | $ 181,000 | $ 142,000 |
| College Station-Bryan, TX | 3 | $ 623,000 | $ 207,666 | $ 228,000 |
| Farmington, NM | 3 | $ 771,000 | $ 257,000 | $ 92,000 |
| Idaho Falls, ID | 3 | $ 506,000 | $ 168,666 | $ 84,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 557,000 | $ 185,666 | $ 111,000 |
| Monroe, LA | 3 | $ 340,000 | $ 113,333 | $ 48,000 |
| Muskegon-Norton Shores, MI | 3 | $ 647,000 | $ 215,666 | $ 62,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 342,000 | $ 114,000 | $ 300,000 |
| Peoria, IL | 3 | $ 662,000 | $ 220,666 | $ 260,000 |
| Pocatello, ID | 3 | $ 671,000 | $ 223,666 | $ 99,000 |
| Pueblo, CO | 3 | $ 628,000 | $ 209,333 | $ 122,000 |
| Roanoke, VA | 3 | $ 875,000 | $ 291,666 | $ 165,000 |
| Rockford, IL | 3 | $ 920,000 | $ 306,666 | $ 207,000 |
| St. Cloud, MN | 3 | $ 488,000 | $ 162,666 | $ 124,000 |
| Tuscaloosa, AL | 3 | $ 751,000 | $ 250,333 | $ 82,000 |
| Yakima, WA | 3 | $ 699,000 | $ 233,000 | $ 252,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 503,000 | $ 167,666 | $ 136,000 |
| Yuma, AZ | 3 | $ 460,000 | $ 153,333 | $ 86,000 |
| Abilene, TX | 2 | $ 251,000 | $ 125,500 | $ 39,000 |
| Bismarck, ND | 2 | $ 142,000 | $ 71,000 | $ 77,000 |
| Bowling Green, KY | 2 | $ 850,000 | $ 425,000 | $ 254,000 |
| Burlington, NC | 2 | $ 488,000 | $ 244,000 | $ 159,000 |
| Cheyenne, WY | 2 | $ 441,000 | $ 220,500 | $ 322,000 |
| El Centro, CA | 2 | $ 269,000 | $ 134,500 | $ 100,000 |
| Fargo, ND-MN | 2 | $ 219,000 | $ 109,500 | $ 123,000 |
| Flint, MI | 2 | $ 1,033,000 | $ 516,500 | $ 582,000 |
| Fort Smith, AR-OK | 2 | $ 473,000 | $ 236,500 | $ 295,000 |
| Glens Falls, NY | 2 | $ 407,000 | $ 203,500 | $ 63,000 |
| Jackson, MI | 2 | $ 432,000 | $ 216,000 | $ 111,000 |
| Lafayette, LA | 2 | $ 228,000 | $ 114,000 | $ 95,000 |
| Las Cruces, NM | 2 | $ 409,000 | $ 204,500 | $ 90,000 |
| Lebanon, PA | 2 | $ 140,000 | $ 70,000 | $ 56,000 |
| Mankato-North Mankato, MN | 2 | $ 209,000 | $ 104,500 | $ 39,000 |
| Michigan City-La Porte, IN | 2 | $ 797,000 | $ 398,500 | $ 258,000 |
| Morristown, TN | 2 | $ 488,000 | $ 244,000 | $ 58,000 |
| Muncie, IN | 2 | $ 410,000 | $ 205,000 | $ 107,000 |
| Ocala, FL | 2 | $ 300,000 | $ 150,000 | $ 67,000 |
| Rapid City, SD | 2 | $ 886,000 | $ 443,000 | $ 195,000 |
| Reading, PA | 2 | $ 390,000 | $ 195,000 | $ 114,000 |
| Rocky Mount, NC | 2 | $ 297,000 | $ 148,500 | $ 197,000 |
| Sandusky, OH | 2 | $ 440,000 | $ 220,000 | $ 340,000 |
| Sherman-Denison, TX | 2 | $ 565,000 | $ 282,500 | $ 170,000 |
| Sioux City, IA-NE-SD | 2 | $ 112,000 | $ 56,000 | $ 157,000 |
| Waco, TX | 2 | $ 451,000 | $ 225,500 | $ 138,000 |
| Winchester, VA-WV | 2 | $ 210,000 | $ 105,000 | $ 102,000 |
| Altoona, PA | 1 | $ 119,000 | $ 119,000 | $ 87,000 |
| Ames, IA | 1 | $ 169,000 | $ 169,000 | $ 126,000 |
| Anderson, IN | 1 | $ 181,000 | $ 181,000 | $ 350,000 |
| Anderson, SC | 1 | $ 100,000 | $ 100,000 | $ 158,000 |
| Anniston-Oxford, AL | 1 | $ 174,000 | $ 174,000 | $ 85,000 |
| Auburn-Opelika, AL | 1 | $ 355,000 | $ 355,000 | $ 82,000 |
| Battle Creek, MI | 1 | $ 195,000 | $ 195,000 | $ 84,000 |
| Bay City, MI | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Beaumont-Port Arthur, TX | 1 | $ 560,000 | $ 560,000 | $ 178,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 400,000 | $ 400,000 | $ 125,000 |
| Brownsville-Harlingen, TX | 1 | $ 272,000 | $ 272,000 | $ 106,000 |
| Casper, WY | 1 | $ 162,000 | $ 162,000 | $ 216,000 |
| Charleston, WV | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Cleveland, TN | 1 | $ 129,000 | $ 129,000 | $ 102,000 |
| Columbia, MO | 1 | $ 144,000 | $ 144,000 | $ 125,000 |
| Columbus, IN | 1 | $ 96,000 | $ 96,000 | $ 76,000 |
| Cumberland, MD-WV | 1 | $ 201,000 | $ 201,000 | $ 128,000 |
| Decatur, IL | 1 | $ 209,000 | $ 209,000 | $ 118,000 |
| Dover, DE | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Eau Claire, WI | 1 | $ 150,000 | $ 150,000 | $ 116,000 |
| Elizabethtown, KY | 1 | $ 130,000 | $ 130,000 | $ 63,000 |
| Elkhart-Goshen, IN | 1 | $ 58,000 | $ 58,000 | $ 52,000 |
| Elmira, NY | 1 | $ 86,000 | $ 86,000 | $ 51,000 |
| Erie, PA | 1 | $ 162,000 | $ 162,000 | $ 132,000 |
| Fairbanks, AK | 1 | $ 265,000 | $ 265,000 | $ 183,000 |
| Florence, SC | 1 | $ 500,000 | $ 500,000 | $ 299,000 |
| Florence-Muscle Shoals, AL | 1 | $ 144,000 | $ 144,000 | $ 51,000 |
| Grand Forks, ND-MN | 1 | $ 283,000 | $ 283,000 | $ 111,000 |
| Great Falls, MT | 1 | $ 192,000 | $ 192,000 | $ 92,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 172,000 | $ 172,000 | $ 52,000 |
| Iowa City, IA | 1 | $ 73,000 | $ 73,000 | $ 135,000 |
| Ithaca, NY | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Johnson City, TN | 1 | $ 152,000 | $ 152,000 | $ 43,000 |
| Johnstown, PA | 1 | $ 139,000 | $ 139,000 | $ 210,000 |
| Kokomo, IN | 1 | $ 140,000 | $ 140,000 | $ 220,000 |
| La Crosse, WI-MN | 1 | $ 877,000 | $ 877,000 | $ 338,000 |
| Lewiston, ID-WA | 1 | $ 142,000 | $ 142,000 | $ 138,000 |
| Lewiston-Auburn, ME | 1 | $ 124,000 | $ 124,000 | $ 78,000 |
| Monroe, MI | 1 | $ 209,000 | $ 209,000 | $ 37,000 |
| Pascagoula, MS | 1 | $ 230,000 | $ 230,000 | $ 206,000 |
| Rome, GA | 1 | $ 104,000 | $ 104,000 | $ 95,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 112,000 | $ 112,000 | $ 192,000 |
| Sheboygan, WI | 1 | $ 131,000 | $ 131,000 | $ 75,000 |
| Spartanburg, SC | 1 | $ 280,000 | $ 280,000 | $ 170,000 |
| Springfield, IL | 1 | $ 117,000 | $ 117,000 | $ 70,000 |
| Terre Haute, IN | 1 | $ 48,000 | $ 48,000 | $ 108,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 74,000 | $ 74,000 | $ 56,000 |
| Victoria, TX | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 124,000 | $ 124,000 | $ 95,000 |
| Williamsport, PA | 1 | $ 392,000 | $ 392,000 | $ 325,000 |
| Yuba City, CA | 1 | $ 180,000 | $ 180,000 | $ 199,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2011
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 | 14,260 | $5,352,591,000 | $375,000 | $4,135,000 | $183,000 | $5,000,000 |
| Home Purchase | 3,557 | $1,427,302,000 | $401,000 | $5,760,000 | $201,000 | $9,999,000 |
| Home Improvement | 234 | $93,311,000 | $398,000 | $2,704,000 | $174,000 | $1,499,000 |
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 | 12,634 | $4,637,173,000 | $367,000 | $4,135,000 | $183,000 | $5,275,000 |
| Not Provided | 3,430 | $1,467,553,000 | $427,000 | $3,992,000 | $206,000 | $5,000,000 |
| Asian | 1,337 | $566,014,000 | $423,000 | $5,760,000 | $184,000 | $2,700,000 |
| Hispanic | 393 | $124,525,000 | $316,000 | $2,470,000 | $156,000 | $1,283,000 |
| Black or African American | 155 | $43,353,000 | $279,000 | $1,763,000 | $191,000 | $9,999,000 |
| American Indian or Alaskan Native | 60 | $21,325,000 | $355,000 | $2,460,000 | $241,000 | $3,857,000 |
| Native Hawaiian or Other Pacific Islander | 42 | $13,261,000 | $315,000 | $880,000 | $146,000 | $750,000 |
| 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) | 18,008 | $6,864,402,000 | $381,000 | $5,760,000 | $187,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 43 | $8,802,000 | $204,000 | $506,000 | $53,000 | $107,000 |
| 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 | 9,713 | $3,754,460,000 | $386,000 | $3,992,000 | $195,000 | $9,999,000 |
| Application Approved But Not Accepted | 4,223 | $1,441,782,000 | $341,000 | $3,757,000 | $191,000 | $5,275,000 |
| Application Denied By Financial Institution | 3,288 | $1,387,407,000 | $421,000 | $5,760,000 | $165,000 | $4,020,000 |
| Loan Purchased By The Institution | 319 | $63,948,000 | $200,000 | $506,000 | $54,000 | $81,000 |
| Application Withdrawn By Applicant | 289 | $126,985,000 | $439,000 | $2,507,000 | $190,000 | $1,487,000 |
| File Closed For Incompleteness | 219 | $98,622,000 | $450,000 | $1,871,000 | $237,000 | $3,452,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,360 | $577,698,000 | $424,000 | $4,080,000 | $94,000 | $3,183,000 |
| Collateral | 959 | $413,101,000 | $430,000 | $3,562,000 | $224,000 | $4,020,000 |
| Credit Application Incomplete | 365 | $164,285,000 | $450,000 | $5,760,000 | $210,000 | $2,792,000 |
| Other | 314 | $126,304,000 | $402,000 | $4,000,000 | $227,000 | $3,494,000 |
| Credit History | 119 | $38,644,000 | $324,000 | $1,350,000 | $182,000 | $2,500,000 |
| Unverifiable Information | 71 | $28,203,000 | $397,000 | $1,575,000 | $232,000 | $1,472,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 56 | $22,173,000 | $395,000 | $1,356,000 | $136,000 | $620,000 |
| Employment History | 44 | $16,999,000 | $386,000 | $4,135,000 | $152,000 | $3,248,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2011 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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