Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2012
In 2012, Charles Schwab Bank, SSB of Lone Tree, CO reported 11,075 mortgage applications totaling $4.9 billion, down 39% from 2011. The average application was for $441,918, and applicants reported an average income of $204,807. 35% of its applications resulted in an originated loan and 16% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (842), Los Angeles-Long Beach-Glendale, CA (667) and Oakland-Fremont-Hayward, CA (640) (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 | 11,075 |
| Total Mortgage Loan Application Amount | $4,894,244,000 |
| Average Mortgage Loan Application Amount | $441,918 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $204,807 |
| Highest Applicant Income | $5,414,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 842 | $ 501,879,000 | $ 596,055 | $ 229,000 |
| Los Angeles-Long Beach-Glendale, CA | 667 | $ 434,006,000 | $ 650,683 | $ 269,000 |
| Oakland-Fremont-Hayward, CA | 640 | $ 305,488,000 | $ 477,325 | $ 189,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 560 | $ 315,164,000 | $ 562,792 | $ 192,000 |
| Santa Ana-Anaheim-Irvine, CA | 447 | $ 275,543,000 | $ 616,427 | $ 248,000 |
| San Diego-Carlsbad-San Marcos, CA | 413 | $ 249,817,000 | $ 604,883 | $ 226,000 |
| Phoenix-Mesa-Glendale, AZ | 326 | $ 118,142,000 | $ 362,398 | $ 175,000 |
| Denver-Aurora-Broomfield, CO | 317 | $ 112,332,000 | $ 354,359 | $ 154,000 |
| Seattle-Bellevue-Everett, WA | 307 | $ 130,350,000 | $ 424,592 | $ 217,000 |
| Chicago-Joliet-Naperville, IL | 284 | $ 104,949,000 | $ 369,538 | $ 202,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 249 | $ 107,263,000 | $ 430,775 | $ 190,746 |
| Sacramento--Arden-Arcade--Roseville, CA | 197 | $ 74,470,000 | $ 378,020 | $ 232,000 |
| New York-White Plains-Wayne, NY-NJ | 194 | $ 108,049,000 | $ 556,953 | $ 302,711 |
| Riverside-San Bernardino-Ontario, CA | 180 | $ 62,084,000 | $ 344,911 | $ 157,000 |
| Atlanta-Sandy Springs-Marietta, GA | 179 | $ 59,595,000 | $ 332,932 | $ 185,000 |
| Dallas-Plano-Irving, TX | 134 | $ 61,381,000 | $ 458,067 | $ 228,000 |
| Houston-Sugar Land-Baytown, TX | 124 | $ 46,798,000 | $ 377,403 | $ 215,000 |
| Edison-New Brunswick, NJ | 119 | $ 49,627,000 | $ 417,033 | $ 165,000 |
| Philadelphia, PA | 115 | $ 41,206,000 | $ 358,313 | $ 193,000 |
| Santa Rosa-Petaluma, CA | 115 | $ 44,085,000 | $ 383,347 | $ 190,000 |
| Boston-Quincy, MA | 109 | $ 58,466,000 | $ 536,385 | $ 242,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 104 | $ 32,990,000 | $ 317,211 | $ 179,221 |
| Reno-Sparks, NV | 100 | $ 29,224,000 | $ 292,240 | $ 140,000 |
| Bridgeport-Stamford-Norwalk, CT | 97 | $ 59,545,000 | $ 613,865 | $ 276,000 |
| Newark-Union, NJ-PA | 94 | $ 40,473,000 | $ 430,563 | $ 265,553 |
| Las Vegas-Paradise, NV | 90 | $ 29,709,000 | $ 330,100 | $ 246,000 |
| Austin-Round Rock-San Marcos, TX | 83 | $ 27,719,000 | $ 333,963 | $ 199,000 |
| Bethesda-Rockville-Frederick, MD | 79 | $ 36,791,000 | $ 465,708 | $ 213,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 79 | $ 25,799,000 | $ 326,569 | $ 165,443 |
| Cambridge-Newton-Framingham, MA | 75 | $ 33,446,000 | $ 445,946 | $ 210,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 73 | $ 32,381,000 | $ 443,575 | $ 192,000 |
| Nassau-Suffolk, NY | 70 | $ 31,172,000 | $ 445,314 | $ 184,000 |
| Baltimore-Towson, MD | 67 | $ 26,509,000 | $ 395,656 | $ 221,000 |
| Boulder, CO | 67 | $ 24,437,000 | $ 364,731 | $ 154,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 67 | $ 29,362,000 | $ 438,238 | $ 155,000 |
| Raleigh-Cary, NC | 64 | $ 16,940,000 | $ 264,687 | $ 160,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 56 | $ 18,236,000 | $ 325,642 | $ 156,107 |
| St. Louis, MO-IL | 54 | $ 13,563,000 | $ 251,166 | $ 152,333 |
| Warren-Troy-Farmington Hills, MI | 53 | $ 15,892,000 | $ 299,849 | $ 227,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 52 | $ 38,253,000 | $ 735,634 | $ 250,000 |
| Indianapolis-Carmel, IN | 51 | $ 14,268,000 | $ 279,764 | $ 205,000 |
| Lake County-Kenosha County, IL-WI | 47 | $ 17,834,000 | $ 379,446 | $ 186,553 |
| Naples-Marco Island, FL | 47 | $ 26,496,000 | $ 563,744 | $ 443,000 |
| Salt Lake City, UT | 47 | $ 17,663,000 | $ 375,808 | $ 141,000 |
| Honolulu, HI | 46 | $ 21,960,000 | $ 477,391 | $ 144,000 |
| Orlando-Kissimmee-Sanford, FL | 45 | $ 12,294,000 | $ 273,200 | $ 150,000 |
| Cape Coral-Fort Myers, FL | 44 | $ 15,226,000 | $ 346,045 | $ 198,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 43 | $ 15,987,000 | $ 371,790 | $ 174,000 |
| Salinas, CA | 43 | $ 23,123,000 | $ 537,744 | $ 232,000 |
| Santa Cruz-Watsonville, CA | 43 | $ 20,724,000 | $ 481,953 | $ 198,000 |
| Tucson, AZ | 42 | $ 12,528,000 | $ 298,285 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 12,366,000 | $ 301,609 | $ 136,000 |
| Jacksonville, FL | 39 | $ 15,050,000 | $ 385,897 | $ 171,000 |
| Fort Worth-Arlington, TX | 37 | $ 11,254,000 | $ 304,162 | $ 170,000 |
| North Port-Bradenton-Sarasota, FL | 37 | $ 15,024,000 | $ 406,054 | $ 236,000 |
| Miami-Miami Beach-Kendall, FL | 36 | $ 18,044,000 | $ 501,222 | $ 283,000 |
| Albuquerque, NM | 33 | $ 7,514,000 | $ 227,696 | $ 126,000 |
| Colorado Springs, CO | 33 | $ 7,513,000 | $ 227,666 | $ 154,000 |
| Milwaukee-Waukesha-West Allis, WI | 33 | $ 13,271,000 | $ 402,151 | $ 255,000 |
| Boise City-Nampa, ID | 32 | $ 8,603,000 | $ 268,843 | $ 159,000 |
| Charleston-North Charleston-Summerville, SC | 32 | $ 11,597,000 | $ 362,406 | $ 162,000 |
| Napa, CA | 32 | $ 22,278,000 | $ 696,187 | $ 263,000 |
| Asheville, NC | 31 | $ 9,135,000 | $ 294,677 | $ 138,000 |
| Providence-New Bedford-Fall River, RI-MA | 30 | $ 12,674,000 | $ 422,466 | $ 206,300 |
| Spokane, WA | 30 | $ 6,361,000 | $ 212,033 | $ 114,000 |
| Durham-Chapel Hill, NC | 29 | $ 7,756,000 | $ 267,448 | $ 128,000 |
| Fort Collins-Loveland, CO | 29 | $ 6,993,000 | $ 241,137 | $ 162,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 29 | $ 10,076,000 | $ 347,448 | $ 228,241 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 28 | $ 13,307,000 | $ 475,250 | $ 222,000 |
| San Luis Obispo-Paso Robles, CA | 28 | $ 12,883,000 | $ 460,107 | $ 171,000 |
| Trenton-Ewing, NJ | 28 | $ 10,381,000 | $ 370,750 | $ 225,000 |
| Cleveland-Elyria-Mentor, OH | 27 | $ 9,173,000 | $ 339,740 | $ 173,000 |
| San Antonio-New Braunfels, TX | 26 | $ 6,238,000 | $ 239,923 | $ 149,000 |
| Bend, OR | 25 | $ 9,662,000 | $ 386,480 | $ 157,000 |
| Bremerton-Silverdale, WA | 24 | $ 11,254,000 | $ 468,916 | $ 182,000 |
| Anchorage, AK | 22 | $ 5,561,000 | $ 252,772 | $ 156,000 |
| Ann Arbor, MI | 22 | $ 6,257,000 | $ 284,409 | $ 207,000 |
| Columbus, OH | 22 | $ 3,927,000 | $ 178,500 | $ 155,000 |
| Kansas City, MO-KS | 22 | $ 5,119,000 | $ 232,681 | $ 265,272 |
| New Orleans-Metairie-Kenner, LA | 22 | $ 4,889,000 | $ 222,227 | $ 171,000 |
| Pittsburgh, PA | 22 | $ 5,141,000 | $ 233,681 | $ 112,000 |
| Santa Fe, NM | 22 | $ 12,133,000 | $ 551,500 | $ 216,000 |
| Vallejo-Fairfield, CA | 22 | $ 5,876,000 | $ 267,090 | $ 141,000 |
| Hartford-West Hartford-East Hartford, CT | 21 | $ 7,035,000 | $ 335,000 | $ 194,000 |
| Prescott, AZ | 21 | $ 7,865,000 | $ 374,523 | $ 118,000 |
| Barnstable Town, MA | 20 | $ 9,529,000 | $ 476,450 | $ 320,000 |
| Camden, NJ | 20 | $ 4,972,000 | $ 248,600 | $ 113,000 |
| Cincinnati-Middletown, OH-KY-IN | 20 | $ 8,689,000 | $ 434,450 | $ 165,000 |
| Knoxville, TN | 20 | $ 9,602,000 | $ 480,100 | $ 151,000 |
| Richmond, VA | 20 | $ 5,953,000 | $ 297,650 | $ 136,000 |
| Tacoma, WA | 20 | $ 5,914,000 | $ 295,700 | $ 122,000 |
| Birmingham-Hoover, AL | 18 | $ 4,780,000 | $ 265,555 | $ 187,000 |
| Stockton, CA | 18 | $ 5,379,000 | $ 298,833 | $ 166,000 |
| Manchester-Nashua, NH | 16 | $ 3,888,000 | $ 243,000 | $ 129,000 |
| Greenville-Mauldin-Easley, SC | 15 | $ 6,292,000 | $ 419,466 | $ 414,000 |
| Peabody, MA | 15 | $ 7,070,000 | $ 471,333 | $ 209,000 |
| Portland-South Portland-Biddeford, ME | 15 | $ 4,745,000 | $ 316,333 | $ 166,000 |
| Rockingham County-Strafford County, NH | 15 | $ 3,731,000 | $ 248,733 | $ 150,000 |
| Wilmington, NC | 14 | $ 5,618,000 | $ 401,285 | $ 154,000 |
| Detroit-Livonia-Dearborn, MI | 13 | $ 3,758,000 | $ 289,076 | $ 196,000 |
| Oklahoma City, OK | 13 | $ 2,737,000 | $ 210,538 | $ 129,000 |
| Port St. Lucie, FL | 13 | $ 6,387,000 | $ 491,307 | $ 262,000 |
| Bakersfield-Delano, CA | 12 | $ 2,665,000 | $ 222,083 | $ 127,000 |
| Charlottesville, VA | 12 | $ 4,386,000 | $ 365,500 | $ 182,000 |
| Punta Gorda, FL | 12 | $ 2,580,000 | $ 215,000 | $ 82,000 |
| Wilmington, DE-MD-NJ | 12 | $ 2,501,000 | $ 208,416 | $ 107,583 |
| Worcester, MA | 12 | $ 3,274,000 | $ 272,833 | $ 163,000 |
| Little Rock-North Little Rock-Conway, AR | 11 | $ 2,948,000 | $ 268,000 | $ 169,000 |
| Modesto, CA | 11 | $ 4,309,000 | $ 391,727 | $ 205,000 |
| Sebastian-Vero Beach, FL | 11 | $ 6,451,000 | $ 586,454 | $ 289,000 |
| Springfield, MA | 11 | $ 2,631,000 | $ 239,181 | $ 124,000 |
| Akron, OH | 10 | $ 1,830,000 | $ 183,000 | $ 88,000 |
| Medford, OR | 10 | $ 2,634,000 | $ 263,400 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 2,827,000 | $ 282,700 | $ 123,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 3,601,000 | $ 360,100 | $ 159,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,792,000 | $ 199,111 | $ 126,000 |
| Eugene-Springfield, OR | 9 | $ 2,066,000 | $ 229,555 | $ 97,000 |
| Flagstaff, AZ | 9 | $ 2,122,000 | $ 235,777 | $ 102,000 |
| Louisville/Jefferson County, KY-IN | 9 | $ 3,197,000 | $ 355,222 | $ 153,000 |
| Madison, WI | 9 | $ 2,445,000 | $ 271,666 | $ 114,000 |
| New Haven-Milford, CT | 9 | $ 2,517,000 | $ 279,666 | $ 132,000 |
| Tulsa, OK | 9 | $ 2,334,000 | $ 259,333 | $ 121,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 8 | $ 1,913,000 | $ 239,125 | $ 208,000 |
| Greensboro-High Point, NC | 8 | $ 2,067,000 | $ 258,375 | $ 171,000 |
| Harrisburg-Carlisle, PA | 8 | $ 2,476,000 | $ 309,500 | $ 179,000 |
| Holland-Grand Haven, MI | 8 | $ 3,368,000 | $ 421,000 | $ 193,000 |
| Huntsville, AL | 8 | $ 2,064,000 | $ 258,000 | $ 191,000 |
| Jackson, MS | 8 | $ 1,855,000 | $ 231,875 | $ 129,000 |
| Lake Havasu City-Kingman, AZ | 8 | $ 1,201,000 | $ 150,125 | $ 67,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 2,134,000 | $ 266,750 | $ 125,000 |
| Rochester, NY | 8 | $ 1,640,000 | $ 205,000 | $ 115,000 |
| Wichita, KS | 8 | $ 2,003,000 | $ 250,375 | $ 109,000 |
| Baton Rouge, LA | 7 | $ 1,658,000 | $ 236,857 | $ 200,000 |
| Bellingham, WA | 7 | $ 1,090,000 | $ 155,714 | $ 67,000 |
| Burlington-South Burlington, VT | 7 | $ 2,201,000 | $ 314,428 | $ 154,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 2,206,000 | $ 315,142 | $ 216,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 4,395,000 | $ 627,857 | $ 335,000 |
| Memphis, TN-MS-AR | 7 | $ 2,574,000 | $ 367,714 | $ 166,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 7 | $ 1,365,000 | $ 195,000 | $ 63,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,503,000 | $ 214,714 | $ 115,000 |
| Pittsfield, MA | 7 | $ 2,597,000 | $ 371,000 | $ 248,000 |
| Tallahassee, FL | 7 | $ 1,187,000 | $ 169,571 | $ 77,000 |
| Wenatchee-East Wenatchee, WA | 7 | $ 2,591,000 | $ 370,142 | $ 246,000 |
| Corpus Christi, TX | 6 | $ 1,780,000 | $ 296,666 | $ 295,000 |
| Gary, IN | 6 | $ 1,528,000 | $ 254,666 | $ 119,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,590,000 | $ 265,000 | $ 186,000 |
| Lexington-Fayette, KY | 6 | $ 1,173,000 | $ 195,500 | $ 118,000 |
| Ocean City, NJ | 6 | $ 2,373,000 | $ 395,500 | $ 160,000 |
| Pueblo, CO | 6 | $ 1,239,000 | $ 206,500 | $ 119,000 |
| Savannah, GA | 6 | $ 1,425,000 | $ 237,500 | $ 181,000 |
| Springfield, MO | 6 | $ 788,000 | $ 131,333 | $ 46,000 |
| Toledo, OH | 6 | $ 877,000 | $ 146,166 | $ 537,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 794,000 | $ 158,800 | $ 76,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 927,000 | $ 185,400 | $ 310,000 |
| Columbia, SC | 5 | $ 962,000 | $ 192,400 | $ 137,000 |
| Gainesville, GA | 5 | $ 1,371,000 | $ 274,200 | $ 109,000 |
| Greeley, CO | 5 | $ 1,080,000 | $ 216,000 | $ 99,000 |
| Hot Springs, AR | 5 | $ 928,000 | $ 185,600 | $ 84,000 |
| Kennewick-Pasco-Richland, WA | 5 | $ 854,000 | $ 170,800 | $ 175,000 |
| Las Cruces, NM | 5 | $ 841,000 | $ 168,200 | $ 271,000 |
| Palm Coast, FL | 5 | $ 1,397,000 | $ 279,400 | $ 273,000 |
| Redding, CA | 5 | $ 1,190,000 | $ 238,000 | $ 149,000 |
| York-Hanover, PA | 5 | $ 798,000 | $ 159,600 | $ 169,000 |
| Chico, CA | 4 | $ 1,817,000 | $ 454,250 | $ 130,000 |
| Coeur D'Alene, ID | 4 | $ 1,878,000 | $ 469,500 | $ 126,000 |
| Corvallis, OR | 4 | $ 907,000 | $ 226,750 | $ 87,000 |
| Des Moines-West Des Moines, IA | 4 | $ 772,000 | $ 193,000 | $ 131,000 |
| Fresno, CA | 4 | $ 973,000 | $ 243,250 | $ 411,000 |
| Lynchburg, VA | 4 | $ 501,000 | $ 125,250 | $ 118,000 |
| Michigan City-La Porte, IN | 4 | $ 1,061,000 | $ 265,250 | $ 179,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 4 | $ 2,168,000 | $ 542,000 | $ 193,000 |
| Provo-Orem, UT | 4 | $ 694,000 | $ 173,500 | $ 131,000 |
| Roanoke, VA | 4 | $ 776,000 | $ 194,000 | $ 96,000 |
| Salem, OR | 4 | $ 707,000 | $ 176,750 | $ 79,000 |
| Shreveport-Bossier City, LA | 4 | $ 423,000 | $ 105,750 | $ 50,000 |
| Appleton, WI | 3 | $ 801,000 | $ 267,000 | $ 248,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 489,000 | $ 163,000 | $ 137,333 |
| Chattanooga, TN-GA | 3 | $ 937,000 | $ 312,333 | $ 112,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 1,012,000 | $ 337,333 | $ 154,000 |
| Decatur, AL | 3 | $ 485,000 | $ 161,666 | $ 404,000 |
| Flint, MI | 3 | $ 470,000 | $ 156,666 | $ 72,000 |
| Gainesville, FL | 3 | $ 570,000 | $ 190,000 | $ 177,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 570,000 | $ 190,000 | $ 145,000 |
| Kalamazoo-Portage, MI | 3 | $ 293,000 | $ 97,666 | $ 127,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 918,000 | $ 306,000 | $ 183,000 |
| Lafayette, LA | 3 | $ 798,000 | $ 266,000 | $ 120,000 |
| Missoula, MT | 3 | $ 746,000 | $ 248,666 | $ 67,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 859,000 | $ 286,333 | $ 118,000 |
| Norwich-New London, CT | 3 | $ 923,000 | $ 307,666 | $ 177,000 |
| Rapid City, SD | 3 | $ 912,000 | $ 304,000 | $ 173,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 952,000 | $ 317,333 | $ 168,333 |
| St. George, UT | 3 | $ 493,000 | $ 164,333 | $ 52,000 |
| Syracuse, NY | 3 | $ 435,000 | $ 145,000 | $ 146,000 |
| Visalia-Porterville, CA | 3 | $ 647,000 | $ 215,666 | $ 77,000 |
| Winston-Salem, NC | 3 | $ 457,000 | $ 152,333 | $ 115,000 |
| Athens-Clarke County, GA | 2 | $ 377,000 | $ 188,500 | $ 46,000 |
| Auburn-Opelika, AL | 2 | $ 388,000 | $ 194,000 | $ 150,000 |
| Beaumont-Port Arthur, TX | 2 | $ 276,000 | $ 138,000 | $ 85,000 |
| Binghamton, NY | 2 | $ 651,000 | $ 325,500 | $ 83,000 |
| Bloomington, IN | 2 | $ 351,000 | $ 175,500 | $ 159,000 |
| Burlington, NC | 2 | $ 550,000 | $ 275,000 | $ 162,000 |
| Clarksville, TN-KY | 2 | $ 366,000 | $ 183,000 | $ 80,000 |
| Cleveland, TN | 2 | $ 220,000 | $ 110,000 | $ 56,000 |
| Columbus, GA-AL | 2 | $ 317,000 | $ 158,500 | $ 85,000 |
| Dayton, OH | 2 | $ 285,000 | $ 142,500 | $ 189,000 |
| Erie, PA | 2 | $ 531,000 | $ 265,500 | $ 429,000 |
| Evansville, IN-KY | 2 | $ 491,000 | $ 245,500 | $ 143,000 |
| Grand Junction, CO | 2 | $ 401,000 | $ 200,500 | $ 71,000 |
| Greenville, NC | 2 | $ 138,000 | $ 69,000 | $ 49,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 210,000 | $ 105,000 | $ 40,000 |
| Lakeland-Winter Haven, FL | 2 | $ 455,000 | $ 227,500 | $ 129,000 |
| Lancaster, PA | 2 | $ 1,515,000 | $ 757,500 | $ 144,000 |
| Lawrence, KS | 2 | $ 397,000 | $ 198,500 | $ 120,000 |
| Macon, GA | 2 | $ 433,000 | $ 216,500 | $ 184,000 |
| Midland, TX | 2 | $ 659,000 | $ 329,500 | $ 211,000 |
| Mobile, AL | 2 | $ 328,000 | $ 164,000 | $ 154,000 |
| Niles-Benton Harbor, MI | 2 | $ 729,000 | $ 364,500 | $ 59,000 |
| Ocala, FL | 2 | $ 596,000 | $ 298,000 | $ 95,000 |
| Olympia, WA | 2 | $ 450,000 | $ 225,000 | $ 110,000 |
| Peoria, IL | 2 | $ 911,000 | $ 455,500 | $ 243,000 |
| Racine, WI | 2 | $ 1,107,000 | $ 553,500 | $ 514,000 |
| Rochester, MN | 2 | $ 608,000 | $ 304,000 | $ 188,000 |
| St. Joseph, MO-KS | 2 | $ 600,000 | $ 300,000 | $ 58,000 |
| Texarkana, Tx-Texarkana, AR | 2 | $ 671,000 | $ 335,500 | $ 51,000 |
| Tyler, TX | 2 | $ 325,000 | $ 162,500 | $ 121,000 |
| Valdosta, GA | 2 | $ 253,000 | $ 126,500 | $ 46,000 |
| Williamsport, PA | 2 | $ 816,000 | $ 408,000 | $ 262,000 |
| Yuba City, CA | 2 | $ 406,000 | $ 203,000 | $ 138,000 |
| Amarillo, TX | 1 | $ 165,000 | $ 165,000 | $ 130,000 |
| Ames, IA | 1 | $ 295,000 | $ 295,000 | $ 179,000 |
| Anderson, IN | 1 | $ 83,000 | $ 83,000 | $ 43,000 |
| Battle Creek, MI | 1 | $ 168,000 | $ 168,000 | $ 150,000 |
| Billings, MT | 1 | $ 314,000 | $ 314,000 | $ 139,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 200,000 | $ 200,000 | $ 47,000 |
| Bowling Green, KY | 1 | $ 175,000 | $ 175,000 | $ 30,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 120,000 | $ 120,000 | $ 80,000 |
| Canton-Massillon, OH | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Carson City, NV | 1 | $ 223,000 | $ 223,000 | $ 110,000 |
| Charleston, WV | 1 | $ 380,000 | $ 380,000 | $ 532,000 |
| College Station-Bryan, TX | 1 | $ 110,000 | $ 110,000 | $ 467,000 |
| Columbia, MO | 1 | $ 162,000 | $ 162,000 | $ 204,000 |
| Dover, DE | 1 | $ 509,000 | $ 509,000 | $ 382,000 |
| Dubuque, IA | 1 | $ 256,000 | $ 256,000 | $ 150,000 |
| Duluth, MN-WI | 1 | $ 64,000 | $ 64,000 | $ 137,000 |
| Eau Claire, WI | 1 | $ 234,000 | $ 234,000 | $ 133,000 |
| El Paso, TX | 1 | $ 356,000 | $ 356,000 | $ 426,000 |
| Elkhart-Goshen, IN | 1 | $ 184,000 | $ 184,000 | $ 285,000 |
| Farmington, NM | 1 | $ 351,000 | $ 351,000 | $ 101,000 |
| Fayetteville, NC | 1 | $ 418,000 | $ 418,000 | $ 625,000 |
| Fort Smith, AR-OK | 1 | $ 124,000 | $ 124,000 | $ 111,000 |
| Fort Wayne, IN | 1 | $ 97,000 | $ 97,000 | $ 76,000 |
| Grand Forks, ND-MN | 1 | $ 417,000 | $ 417,000 | $ 316,000 |
| Green Bay, WI | 1 | $ 169,000 | $ 169,000 | $ 79,000 |
| Gulfport-Biloxi, MS | 1 | $ 258,000 | $ 258,000 | $ 79,000 |
| Harrisonburg, VA | 1 | $ 91,000 | $ 91,000 | $ 159,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 705,000 | $ 705,000 | $ 296,000 |
| Idaho Falls, ID | 1 | $ 171,000 | $ 171,000 | $ 51,000 |
| Ithaca, NY | 1 | $ 95,000 | $ 95,000 | $ 94,000 |
| Janesville, WI | 1 | $ 69,000 | $ 69,000 | $ 54,000 |
| Johnson City, TN | 1 | $ 315,000 | $ 315,000 | $ 88,000 |
| Johnstown, PA | 1 | $ 139,000 | $ 139,000 | $ 210,000 |
| Joplin, MO | 1 | $ 385,000 | $ 385,000 | $ 494,000 |
| Kankakee-Bradley, IL | 1 | $ 86,000 | $ 86,000 | $ 545,000 |
| Kingston, NY | 1 | $ 128,000 | $ 128,000 | $ 39,000 |
| Lafayette, IN | 1 | $ 147,000 | $ 147,000 | $ 406,000 |
| Lake Charles, LA | 1 | $ 102,000 | $ 102,000 | $ 77,000 |
| Lansing-East Lansing, MI | 1 | $ 328,000 | $ 328,000 | $ 181,000 |
| Lawton, OK | 1 | $ 152,000 | $ 152,000 | $ 126,000 |
| Lebanon, PA | 1 | $ 128,000 | $ 128,000 | $ 99,000 |
| Lewiston-Auburn, ME | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Lincoln, NE | 1 | $ 360,000 | $ 360,000 | $ 249,000 |
| Lubbock, TX | 1 | $ 66,000 | $ 66,000 | $ 62,000 |
| Madera-Chowchilla, CA | 1 | $ 187,000 | $ 187,000 | $ 58,000 |
| Mankato-North Mankato, MN | 1 | $ 190,000 | $ 190,000 | $ 179,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 79,000 | $ 79,000 | $ 56,000 |
| Merced, CA | 1 | $ 235,000 | $ 235,000 | $ 84,000 |
| Monroe, MI | 1 | $ 115,000 | $ 115,000 | $ 165,000 |
| Montgomery, AL | 1 | $ 158,000 | $ 158,000 | $ 39,000 |
| Muncie, IN | 1 | $ 193,000 | $ 193,000 | $ 250,000 |
| Ogden-Clearfield, UT | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| Oshkosh-Neenah, WI | 1 | $ 96,000 | $ 96,000 | $ 78,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 136,000 | $ 136,000 | $ 99,000 |
| Reading, PA | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Rockford, IL | 1 | $ 464,000 | $ 464,000 | $ 450,000 |
| Rocky Mount, NC | 1 | $ 86,000 | $ 86,000 | $ 26,000 |
| Salisbury, MD | 1 | $ 96,000 | $ 96,000 | $ 29,000 |
| San Angelo, TX | 1 | $ 134,000 | $ 134,000 | $ 47,000 |
| State College, PA | 1 | $ 299,000 | $ 299,000 | $ 168,000 |
| Tuscaloosa, AL | 1 | $ 898,000 | $ 898,000 | $ 626,000 |
| Victoria, TX | 1 | $ 466,000 | $ 466,000 | $ 147,000 |
| Waco, TX | 1 | $ 161,000 | $ 161,000 | $ 203,000 |
| Warner Robins, GA | 1 | $ 319,000 | $ 319,000 | $ 93,000 |
| Yakima, WA | 1 | $ 222,000 | $ 222,000 | $ 56,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 161,000 | $ 161,000 | $ 372,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2012
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 | 9,535 | $4,172,202,000 | $437,000 | $9,000,000 | $203,000 | $5,414,000 |
| Home Purchase | 1,473 | $694,798,000 | $471,000 | $5,000,000 | $218,000 | $4,500,000 |
| Home Improvement | 67 | $27,244,000 | $406,000 | $2,150,000 | $172,000 | $1,150,000 |
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 | 7,809 | $3,363,928,000 | $430,000 | $4,891,000 | $197,000 | $5,414,000 |
| Not Provided | 2,179 | $1,034,032,000 | $474,000 | $9,000,000 | $233,000 | $4,794,000 |
| Asian | 772 | $373,287,000 | $483,000 | $2,730,000 | $214,000 | $2,524,000 |
| Hispanic | 214 | $85,915,000 | $401,000 | $2,210,000 | $179,000 | $1,476,000 |
| Black or African American | 61 | $19,992,000 | $327,000 | $1,080,000 | $172,000 | $1,111,000 |
| Native Hawaiian or Other Pacific Islander | 25 | $9,904,000 | $396,000 | $990,000 | $178,000 | $1,198,000 |
| American Indian or Alaskan Native | 15 | $7,186,000 | $479,000 | $1,469,000 | $208,000 | $520,000 |
| 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) | 11,074 | $4,894,071,000 | $441,000 | $9,000,000 | $205,000 | $5,414,000 |
| FHA-insured (Federal Housing Administration) | 1 | $173,000 | $173,000 | $173,000 | $56,000 | $56,000 |
| 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 Purchased By The Institution | 4,714 | $1,923,203,000 | $407,000 | $1,500,000 | $198,000 | $5,414,000 |
| Loan Originated | 3,908 | $1,861,269,000 | $476,000 | $4,891,000 | $214,000 | $4,668,000 |
| Application Denied By Financial Institution | 1,738 | $827,504,000 | $476,000 | $9,000,000 | $201,000 | $4,794,000 |
| Application Withdrawn By Applicant | 597 | $232,227,000 | $388,000 | $5,000,000 | $207,000 | $4,500,000 |
| Application Approved But Not Accepted | 71 | $28,684,000 | $404,000 | $1,650,000 | $185,000 | $907,000 |
| File Closed For Incompleteness | 47 | $21,357,000 | $454,000 | $1,500,000 | $205,000 | $1,200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 569 | $273,739,000 | $481,000 | $4,000,000 | $238,000 | $4,600,000 |
| Credit Application Incomplete | 483 | $191,345,000 | $396,000 | $2,730,000 | $243,000 | $4,794,000 |
| Debt-To-Income Ratio | 483 | $266,884,000 | $552,000 | $4,000,000 | $97,000 | $721,000 |
| Other | 92 | $42,451,000 | $461,000 | $9,000,000 | $241,000 | $1,999,000 |
| Unverifiable Information | 48 | $23,300,000 | $485,000 | $1,893,000 | $301,000 | $1,696,000 |
| Credit History | 44 | $19,754,000 | $448,000 | $1,360,000 | $188,000 | $625,000 |
| Employment History | 10 | $4,280,000 | $428,000 | $1,080,000 | $156,000 | $516,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $5,751,000 | $639,000 | $2,925,000 | $388,000 | $2,568,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2012 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About