Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2013
In 2013, Charles Schwab Bank, SSB of Lone Tree, CO reported 8,018 mortgage applications totaling $4.2 billion, down 28% from 2012. The average application was for $529,512, and applicants reported an average income of $235,693. 20% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (699), Oakland-Fremont-Hayward, CA (523) and Los Angeles-Long Beach-Glendale, CA (511) (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 | 8,018 |
| Total Mortgage Loan Application Amount | $4,245,635,000 |
| Average Mortgage Loan Application Amount | $529,512 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $235,693 |
| Highest Applicant Income | $7,864,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 699 | $ 494,871,000 | $ 707,969 | $ 254,000 |
| Oakland-Fremont-Hayward, CA | 523 | $ 271,599,000 | $ 519,309 | $ 185,000 |
| Los Angeles-Long Beach-Glendale, CA | 511 | $ 375,546,000 | $ 734,923 | $ 291,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 465 | $ 276,808,000 | $ 595,286 | $ 224,000 |
| Santa Ana-Anaheim-Irvine, CA | 341 | $ 240,087,000 | $ 704,067 | $ 284,000 |
| San Diego-Carlsbad-San Marcos, CA | 306 | $ 207,473,000 | $ 678,016 | $ 268,000 |
| Seattle-Bellevue-Everett, WA | 217 | $ 104,650,000 | $ 482,258 | $ 205,000 |
| Chicago-Joliet-Naperville, IL | 207 | $ 100,713,000 | $ 486,536 | $ 233,000 |
| Phoenix-Mesa-Glendale, AZ | 199 | $ 87,169,000 | $ 438,035 | $ 187,000 |
| New York-White Plains-Wayne, NY-NJ | 197 | $ 138,889,000 | $ 705,020 | $ 349,741 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 175 | $ 92,109,000 | $ 526,337 | $ 250,120 |
| Denver-Aurora-Broomfield, CO | 163 | $ 69,795,000 | $ 428,190 | $ 196,000 |
| Atlanta-Sandy Springs-Marietta, GA | 153 | $ 69,957,000 | $ 457,235 | $ 202,000 |
| Riverside-San Bernardino-Ontario, CA | 128 | $ 50,871,000 | $ 397,429 | $ 222,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 113 | $ 47,781,000 | $ 422,840 | $ 224,000 |
| Houston-Sugar Land-Baytown, TX | 104 | $ 49,426,000 | $ 475,250 | $ 243,000 |
| Reno-Sparks, NV | 92 | $ 34,294,000 | $ 372,760 | $ 166,000 |
| Bridgeport-Stamford-Norwalk, CT | 87 | $ 66,060,000 | $ 759,310 | $ 366,000 |
| Dallas-Plano-Irving, TX | 85 | $ 46,731,000 | $ 549,776 | $ 282,000 |
| Newark-Union, NJ-PA | 85 | $ 38,616,000 | $ 454,305 | $ 258,270 |
| Las Vegas-Paradise, NV | 82 | $ 34,656,000 | $ 422,634 | $ 202,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 78 | $ 30,943,000 | $ 396,705 | $ 184,461 |
| Santa Rosa-Petaluma, CA | 78 | $ 45,987,000 | $ 589,576 | $ 240,000 |
| Bethesda-Rockville-Frederick, MD | 71 | $ 42,532,000 | $ 599,042 | $ 247,000 |
| Edison-New Brunswick, NJ | 71 | $ 33,119,000 | $ 466,464 | $ 241,000 |
| Boston-Quincy, MA | 67 | $ 33,565,000 | $ 500,970 | $ 254,000 |
| Austin-Round Rock-San Marcos, TX | 63 | $ 28,468,000 | $ 451,873 | $ 298,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 58 | $ 29,825,000 | $ 514,224 | $ 228,000 |
| Cambridge-Newton-Framingham, MA | 57 | $ 25,500,000 | $ 447,368 | $ 211,000 |
| Nassau-Suffolk, NY | 56 | $ 42,855,000 | $ 765,267 | $ 454,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 53 | $ 16,889,000 | $ 318,660 | $ 160,981 |
| Boulder, CO | 52 | $ 26,158,000 | $ 503,038 | $ 179,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 52 | $ 29,136,000 | $ 560,307 | $ 231,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 51 | $ 41,465,000 | $ 813,039 | $ 280,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 50 | $ 20,592,000 | $ 411,840 | $ 204,000 |
| Philadelphia, PA | 45 | $ 22,321,000 | $ 496,022 | $ 250,000 |
| Tampa-St. Petersburg-Clearwater, FL | 45 | $ 17,812,000 | $ 395,822 | $ 168,000 |
| Baltimore-Towson, MD | 44 | $ 17,936,000 | $ 407,636 | $ 211,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 40 | $ 19,243,000 | $ 481,075 | $ 204,850 |
| Salinas, CA | 40 | $ 26,781,000 | $ 669,525 | $ 267,000 |
| Orlando-Kissimmee-Sanford, FL | 39 | $ 14,361,000 | $ 368,230 | $ 197,000 |
| North Port-Bradenton-Sarasota, FL | 37 | $ 15,907,000 | $ 429,918 | $ 232,000 |
| Charleston-North Charleston-Summerville, SC | 35 | $ 18,767,000 | $ 536,200 | $ 272,000 |
| Warren-Troy-Farmington Hills, MI | 35 | $ 11,418,000 | $ 326,228 | $ 179,000 |
| Miami-Miami Beach-Kendall, FL | 34 | $ 23,123,000 | $ 680,088 | $ 474,000 |
| Lake County-Kenosha County, IL-WI | 33 | $ 15,886,000 | $ 481,393 | $ 302,000 |
| Naples-Marco Island, FL | 32 | $ 15,170,000 | $ 474,062 | $ 283,000 |
| Salt Lake City, UT | 31 | $ 15,499,000 | $ 499,967 | $ 399,000 |
| St. Louis, MO-IL | 31 | $ 9,045,000 | $ 291,774 | $ 149,225 |
| Kansas City, MO-KS | 28 | $ 9,408,000 | $ 336,000 | $ 219,571 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 28 | $ 10,978,000 | $ 392,071 | $ 180,000 |
| Raleigh-Cary, NC | 28 | $ 9,191,000 | $ 328,250 | $ 184,000 |
| Santa Cruz-Watsonville, CA | 27 | $ 13,790,000 | $ 510,740 | $ 260,000 |
| Hartford-West Hartford-East Hartford, CT | 24 | $ 7,475,000 | $ 311,458 | $ 160,000 |
| Providence-New Bedford-Fall River, RI-MA | 24 | $ 11,577,000 | $ 482,375 | $ 251,958 |
| Tucson, AZ | 24 | $ 6,836,000 | $ 284,833 | $ 160,000 |
| Honolulu, HI | 23 | $ 14,741,000 | $ 640,913 | $ 191,000 |
| Indianapolis-Carmel, IN | 23 | $ 10,215,000 | $ 444,130 | $ 312,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 10,051,000 | $ 437,000 | $ 192,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 23 | $ 8,723,000 | $ 379,260 | $ 119,695 |
| San Antonio-New Braunfels, TX | 22 | $ 8,263,000 | $ 375,590 | $ 170,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 11,954,000 | $ 569,238 | $ 313,000 |
| San Luis Obispo-Paso Robles, CA | 21 | $ 10,570,000 | $ 503,333 | $ 237,000 |
| Jacksonville, FL | 20 | $ 12,818,000 | $ 640,900 | $ 200,000 |
| Durham-Chapel Hill, NC | 19 | $ 6,056,000 | $ 318,736 | $ 212,000 |
| Napa, CA | 19 | $ 11,526,000 | $ 606,631 | $ 262,000 |
| Bremerton-Silverdale, WA | 18 | $ 9,840,000 | $ 546,666 | $ 195,000 |
| Fort Worth-Arlington, TX | 18 | $ 7,300,000 | $ 405,555 | $ 260,000 |
| Santa Fe, NM | 17 | $ 7,572,000 | $ 445,411 | $ 158,000 |
| Cincinnati-Middletown, OH-KY-IN | 16 | $ 6,841,000 | $ 427,562 | $ 204,750 |
| Vallejo-Fairfield, CA | 16 | $ 5,897,000 | $ 368,562 | $ 175,000 |
| Albuquerque, NM | 15 | $ 4,650,000 | $ 310,000 | $ 143,000 |
| Boise City-Nampa, ID | 15 | $ 5,925,000 | $ 395,000 | $ 206,000 |
| Barnstable Town, MA | 14 | $ 6,962,000 | $ 497,285 | $ 368,000 |
| New Orleans-Metairie-Kenner, LA | 14 | $ 3,850,000 | $ 275,000 | $ 132,000 |
| Asheville, NC | 13 | $ 5,810,000 | $ 446,923 | $ 159,000 |
| Bend, OR | 13 | $ 3,531,000 | $ 271,615 | $ 124,000 |
| Medford, OR | 13 | $ 2,983,000 | $ 229,461 | $ 135,000 |
| Richmond, VA | 13 | $ 5,531,000 | $ 425,461 | $ 201,000 |
| Pittsburgh, PA | 12 | $ 3,718,000 | $ 309,833 | $ 218,000 |
| Birmingham-Hoover, AL | 11 | $ 3,969,000 | $ 360,818 | $ 207,000 |
| Cleveland-Elyria-Mentor, OH | 11 | $ 2,658,000 | $ 241,636 | $ 164,000 |
| Colorado Springs, CO | 11 | $ 3,782,000 | $ 343,818 | $ 97,000 |
| Columbus, OH | 11 | $ 3,189,000 | $ 289,909 | $ 192,000 |
| Fort Collins-Loveland, CO | 11 | $ 3,989,000 | $ 362,636 | $ 150,000 |
| Spokane, WA | 11 | $ 2,896,000 | $ 263,272 | $ 124,000 |
| Tacoma, WA | 11 | $ 3,642,000 | $ 331,090 | $ 121,000 |
| Trenton-Ewing, NJ | 11 | $ 3,909,000 | $ 355,363 | $ 141,000 |
| Wilmington, NC | 11 | $ 3,482,000 | $ 316,545 | $ 139,000 |
| Greenville-Mauldin-Easley, SC | 10 | $ 4,235,000 | $ 423,500 | $ 178,000 |
| Knoxville, TN | 10 | $ 2,846,000 | $ 284,600 | $ 127,000 |
| Manchester-Nashua, NH | 10 | $ 3,103,000 | $ 310,300 | $ 137,000 |
| New Haven-Milford, CT | 10 | $ 3,750,000 | $ 375,000 | $ 237,000 |
| Peabody, MA | 10 | $ 4,597,000 | $ 459,700 | $ 237,000 |
| Port St. Lucie, FL | 10 | $ 3,446,000 | $ 344,600 | $ 157,000 |
| Portland-South Portland-Biddeford, ME | 10 | $ 4,516,000 | $ 451,600 | $ 318,000 |
| Rockingham County-Strafford County, NH | 10 | $ 3,279,000 | $ 327,900 | $ 163,000 |
| Camden, NJ | 9 | $ 2,074,000 | $ 230,444 | $ 139,000 |
| Memphis, TN-MS-AR | 9 | $ 2,106,000 | $ 234,000 | $ 174,000 |
| Anchorage, AK | 8 | $ 1,658,000 | $ 207,250 | $ 221,000 |
| Ann Arbor, MI | 8 | $ 2,709,000 | $ 338,625 | $ 274,000 |
| Burlington-South Burlington, VT | 8 | $ 2,517,000 | $ 314,625 | $ 201,000 |
| College Station-Bryan, TX | 8 | $ 931,000 | $ 116,375 | $ 305,000 |
| Fresno, CA | 8 | $ 2,154,000 | $ 269,250 | $ 157,000 |
| Greensboro-High Point, NC | 8 | $ 2,605,000 | $ 325,625 | $ 165,000 |
| Louisville/Jefferson County, KY-IN | 8 | $ 2,553,000 | $ 319,125 | $ 186,000 |
| Stockton, CA | 8 | $ 3,148,000 | $ 393,500 | $ 158,000 |
| Bakersfield-Delano, CA | 7 | $ 1,725,000 | $ 246,428 | $ 114,000 |
| Charlottesville, VA | 7 | $ 2,511,000 | $ 358,714 | $ 146,000 |
| Flagstaff, AZ | 7 | $ 2,496,000 | $ 356,571 | $ 144,000 |
| Norwich-New London, CT | 7 | $ 2,552,000 | $ 364,571 | $ 292,000 |
| Oklahoma City, OK | 7 | $ 1,648,000 | $ 235,428 | $ 725,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 2,401,000 | $ 343,000 | $ 220,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,628,000 | $ 232,571 | $ 248,000 |
| Prescott, AZ | 7 | $ 3,558,000 | $ 508,285 | $ 247,000 |
| Wichita, KS | 7 | $ 1,039,000 | $ 148,428 | $ 85,000 |
| Baton Rouge, LA | 6 | $ 1,429,000 | $ 238,166 | $ 153,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 1,868,000 | $ 311,333 | $ 101,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 766,000 | $ 127,666 | $ 84,000 |
| Modesto, CA | 6 | $ 2,946,000 | $ 491,000 | $ 294,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 6 | $ 2,313,000 | $ 385,500 | $ 249,000 |
| Sebastian-Vero Beach, FL | 6 | $ 3,895,000 | $ 649,166 | $ 309,000 |
| Tulsa, OK | 6 | $ 2,016,000 | $ 336,000 | $ 95,000 |
| Akron, OH | 5 | $ 1,564,000 | $ 312,800 | $ 321,000 |
| Coeur D'Alene, ID | 5 | $ 1,739,000 | $ 347,800 | $ 126,000 |
| Corpus Christi, TX | 5 | $ 1,535,000 | $ 307,000 | $ 431,000 |
| Kalamazoo-Portage, MI | 5 | $ 2,161,000 | $ 432,200 | $ 298,000 |
| Little Rock-North Little Rock-Conway, AR | 5 | $ 1,624,000 | $ 324,800 | $ 113,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 5 | $ 502,000 | $ 100,400 | $ 118,000 |
| Ocean City, NJ | 5 | $ 2,501,000 | $ 500,200 | $ 232,000 |
| Punta Gorda, FL | 5 | $ 1,263,000 | $ 252,600 | $ 112,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 1,221,000 | $ 305,250 | $ 86,000 |
| Appleton, WI | 4 | $ 875,000 | $ 218,750 | $ 164,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 1,868,000 | $ 467,000 | $ 102,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,708,000 | $ 427,000 | $ 247,000 |
| Des Moines-West Des Moines, IA | 4 | $ 823,000 | $ 205,750 | $ 138,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 1,198,000 | $ 299,500 | $ 175,000 |
| Eugene-Springfield, OR | 4 | $ 1,085,000 | $ 271,250 | $ 88,000 |
| Greeley, CO | 4 | $ 1,140,000 | $ 285,000 | $ 196,000 |
| Jackson, MS | 4 | $ 1,327,000 | $ 331,750 | $ 129,000 |
| Lynchburg, VA | 4 | $ 1,333,000 | $ 333,250 | $ 241,000 |
| Madison, WI | 4 | $ 1,767,000 | $ 441,750 | $ 201,000 |
| Redding, CA | 4 | $ 1,362,000 | $ 340,500 | $ 153,000 |
| Savannah, GA | 4 | $ 1,244,000 | $ 311,000 | $ 85,000 |
| Worcester, MA | 4 | $ 1,875,000 | $ 468,750 | $ 202,000 |
| Billings, MT | 3 | $ 511,000 | $ 170,333 | $ 95,000 |
| Brunswick, GA | 3 | $ 904,000 | $ 301,333 | $ 86,000 |
| Chattanooga, TN-GA | 3 | $ 689,000 | $ 229,666 | $ 71,000 |
| Columbia, SC | 3 | $ 710,000 | $ 236,666 | $ 162,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 860,000 | $ 286,666 | $ 163,000 |
| Fort Wayne, IN | 3 | $ 311,000 | $ 103,666 | $ 70,000 |
| Gary, IN | 3 | $ 671,000 | $ 223,666 | $ 129,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 986,000 | $ 328,666 | $ 383,000 |
| Harrisburg-Carlisle, PA | 3 | $ 719,000 | $ 239,666 | $ 79,000 |
| Kennewick-Pasco-Richland, WA | 3 | $ 1,001,000 | $ 333,666 | $ 397,000 |
| Lancaster, PA | 3 | $ 892,000 | $ 297,333 | $ 200,000 |
| Lubbock, TX | 3 | $ 415,000 | $ 138,333 | $ 100,000 |
| Palm Coast, FL | 3 | $ 1,169,000 | $ 389,666 | $ 196,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 1,614,000 | $ 538,000 | $ 275,000 |
| Provo-Orem, UT | 3 | $ 604,000 | $ 201,333 | $ 98,000 |
| Salem, OR | 3 | $ 582,000 | $ 194,000 | $ 113,000 |
| Springfield, MA | 3 | $ 804,000 | $ 268,000 | $ 86,000 |
| Springfield, MO | 3 | $ 477,000 | $ 159,000 | $ 86,000 |
| Wenatchee-East Wenatchee, WA | 3 | $ 894,000 | $ 298,000 | $ 203,000 |
| Wilmington, DE-MD-NJ | 3 | $ 603,000 | $ 201,000 | $ 77,000 |
| Albany-Schenectady-Troy, NY | 2 | $ 534,000 | $ 267,000 | $ 111,000 |
| Athens-Clarke County, GA | 2 | $ 354,000 | $ 177,000 | $ 101,000 |
| Auburn-Opelika, AL | 2 | $ 544,000 | $ 272,000 | $ 135,000 |
| Bellingham, WA | 2 | $ 397,000 | $ 198,500 | $ 119,000 |
| Bowling Green, KY | 2 | $ 616,000 | $ 308,000 | $ 154,000 |
| Champaign-Urbana, IL | 2 | $ 286,000 | $ 143,000 | $ 110,000 |
| Gainesville, FL | 2 | $ 451,000 | $ 225,500 | $ 118,000 |
| Grand Junction, CO | 2 | $ 322,000 | $ 161,000 | $ 64,000 |
| Holland-Grand Haven, MI | 2 | $ 277,000 | $ 138,500 | $ 37,000 |
| Hot Springs, AR | 2 | $ 265,000 | $ 132,500 | $ 62,000 |
| Ithaca, NY | 2 | $ 441,000 | $ 220,500 | $ 161,000 |
| Johnson City, TN | 2 | $ 251,000 | $ 125,500 | $ 54,000 |
| Lansing-East Lansing, MI | 2 | $ 1,237,000 | $ 618,500 | $ 255,000 |
| Lexington-Fayette, KY | 2 | $ 430,000 | $ 215,000 | $ 120,000 |
| Lincoln, NE | 2 | $ 568,000 | $ 284,000 | $ 123,000 |
| Longview, TX | 2 | $ 779,000 | $ 389,500 | $ 164,000 |
| Longview, WA | 2 | $ 371,000 | $ 185,500 | $ 84,000 |
| Merced, CA | 2 | $ 293,000 | $ 146,500 | $ 142,000 |
| Olympia, WA | 2 | $ 971,000 | $ 485,500 | $ 145,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 164,000 | $ 82,000 | $ 82,000 |
| Rochester, NY | 2 | $ 382,000 | $ 191,000 | $ 90,000 |
| Sheboygan, WI | 2 | $ 506,000 | $ 253,000 | $ 104,000 |
| St. George, UT | 2 | $ 718,000 | $ 359,000 | $ 121,000 |
| Tallahassee, FL | 2 | $ 488,000 | $ 244,000 | $ 139,000 |
| Visalia-Porterville, CA | 2 | $ 1,250,000 | $ 625,000 | $ 900,000 |
| Winston-Salem, NC | 2 | $ 699,000 | $ 349,500 | $ 144,000 |
| York-Hanover, PA | 2 | $ 646,000 | $ 323,000 | $ 182,000 |
| Altoona, PA | 1 | $ 151,000 | $ 151,000 | $ 85,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 142,000 | $ 142,000 | $ 34,000 |
| Bangor, ME | 1 | $ 340,000 | $ 340,000 | $ 580,000 |
| Beaumont-Port Arthur, TX | 1 | $ 153,000 | $ 153,000 | $ 106,000 |
| Bloomington, IN | 1 | $ 155,000 | $ 155,000 | $ 36,000 |
| Buffalo-Niagara Falls, NY | 1 | $ 92,000 | $ 92,000 | $ 86,000 |
| Cape Girardeau-Jackson, MO-IL | 1 | $ 160,000 | $ 160,000 | $ 466,000 |
| Charleston, WV | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
| Chico, CA | 1 | $ 721,000 | $ 721,000 | $ 802,000 |
| Cleveland, TN | 1 | $ 352,000 | $ 352,000 | $ 150,000 |
| Corvallis, OR | 1 | $ 480,000 | $ 480,000 | $ 227,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 89,000 | $ 89,000 | $ 35,000 |
| Dayton, OH | 1 | $ 250,000 | $ 250,000 | $ 85,000 |
| Decatur, IL | 1 | $ 199,000 | $ 199,000 | $ 44,000 |
| Duluth, MN-WI | 1 | $ 88,000 | $ 88,000 | $ 63,000 |
| Eau Claire, WI | 1 | $ 191,000 | $ 191,000 | $ 133,000 |
| Erie, PA | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Fairbanks, AK | 1 | $ 230,000 | $ 230,000 | $ 74,000 |
| Farmington, NM | 1 | $ 544,000 | $ 544,000 | $ 412,000 |
| Flint, MI | 1 | $ 103,000 | $ 103,000 | $ 35,000 |
| Florence, SC | 1 | $ 453,000 | $ 453,000 | $ 356,000 |
| Gainesville, GA | 1 | $ 468,000 | $ 468,000 | $ 166,000 |
| Glens Falls, NY | 1 | $ 200,000 | $ 200,000 | $ 99,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Jackson, TN | 1 | $ 143,000 | $ 143,000 | $ 74,000 |
| Jacksonville, NC | 1 | $ 200,000 | $ 200,000 | $ 340,000 |
| Janesville, WI | 1 | $ 265,000 | $ 265,000 | $ 190,000 |
| Joplin, MO | 1 | $ 82,000 | $ 82,000 | $ 54,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 251,000 | $ 251,000 | $ 465,000 |
| Lafayette, LA | 1 | $ 359,000 | $ 359,000 | $ 158,000 |
| Lakeland-Winter Haven, FL | 1 | $ 191,000 | $ 191,000 | $ 63,000 |
| Lewiston, ID-WA | 1 | $ 185,000 | $ 185,000 | $ 247,000 |
| Logan, UT-ID | 1 | $ 127,000 | $ 127,000 | $ 201,000 |
| Madera-Chowchilla, CA | 1 | $ 241,000 | $ 241,000 | $ 70,000 |
| Michigan City-La Porte, IN | 1 | $ 1,960,000 | $ 1,960,000 | $ 421,000 |
| Midland, TX | 1 | $ 678,000 | $ 678,000 | $ 133,000 |
| Missoula, MT | 1 | $ 417,000 | $ 417,000 | $ 134,000 |
| Mobile, AL | 1 | $ 176,000 | $ 176,000 | $ 38,000 |
| Montgomery, AL | 1 | $ 242,000 | $ 242,000 | $ 159,000 |
| Morgantown, WV | 1 | $ 166,000 | $ 166,000 | $ 78,000 |
| Morristown, TN | 1 | $ 115,000 | $ 115,000 | $ 94,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 365,000 | $ 365,000 | $ 151,000 |
| Niles-Benton Harbor, MI | 1 | $ 256,000 | $ 256,000 | $ 259,000 |
| Ocala, FL | 1 | $ 750,000 | $ 750,000 | $ 180,000 |
| Ogden-Clearfield, UT | 1 | $ 417,000 | $ 417,000 | $ 139,000 |
| Owensboro, KY | 1 | $ 396,000 | $ 396,000 | $ 460,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
| Pascagoula, MS | 1 | $ 369,000 | $ 369,000 | $ 247,000 |
| Peoria, IL | 1 | $ 250,000 | $ 250,000 | $ 240,000 |
| Racine, WI | 1 | $ 802,000 | $ 802,000 | $ 942,000 |
| Roanoke, VA | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| Rochester, MN | 1 | $ 396,000 | $ 396,000 | $ 665,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 173,000 | $ 173,000 | $ 240,000 |
| Sioux Falls, SD | 1 | $ 300,000 | $ 300,000 | $ 147,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 69,000 | $ 69,000 | $ 30,000 |
| State College, PA | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Terre Haute, IN | 1 | $ 110,000 | $ 110,000 | $ 97,000 |
| Tuscaloosa, AL | 1 | $ 680,000 | $ 680,000 | $ 582,000 |
| Utica-Rome, NY | 1 | $ 207,000 | $ 207,000 | $ 82,000 |
| Waco, TX | 1 | $ 202,000 | $ 202,000 | $ 73,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 94,000 | $ 94,000 | $ 77,000 |
| Yakima, WA | 1 | $ 138,000 | $ 138,000 | $ 73,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 545,000 | $ 545,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2013
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 | 6,402 | $3,407,909,000 | $532,000 | $4,950,000 | $234,000 | $7,864,000 |
| Home Purchase | 1,560 | $822,979,000 | $527,000 | $10,000,000 | $245,000 | $6,300,000 |
| Home Improvement | 56 | $14,747,000 | $263,000 | $1,015,000 | $170,000 | $718,000 |
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 | 5,587 | $2,901,404,000 | $519,000 | $4,946,000 | $229,000 | $6,332,000 |
| Not Provided | 1,636 | $949,145,000 | $580,000 | $10,000,000 | $266,000 | $7,864,000 |
| Asian | 563 | $286,681,000 | $509,000 | $2,905,000 | $218,000 | $1,729,000 |
| Hispanic | 158 | $74,898,000 | $474,000 | $1,982,000 | $208,000 | $1,651,000 |
| Black or African American | 44 | $19,773,000 | $449,000 | $2,835,000 | $277,000 | $1,406,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $6,430,000 | $357,000 | $679,000 | $129,000 | $294,000 |
| American Indian or Alaskan Native | 12 | $7,304,000 | $608,000 | $1,750,000 | $324,000 | $1,070,000 |
| 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) | 8,014 | $4,245,119,000 | $529,000 | $10,000,000 | $236,000 | $7,864,000 |
| FHA-insured (Federal Housing Administration) | 4 | $516,000 | $129,000 | $150,000 | $40,000 | $48,000 |
| 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 | 5,327 | $2,391,483,000 | $448,000 | $1,500,000 | $213,000 | $7,864,000 |
| Loan Originated | 1,613 | $1,109,152,000 | $687,000 | $4,892,000 | $286,000 | $4,938,000 |
| Application Denied By Financial Institution | 1,014 | $699,265,000 | $689,000 | $10,000,000 | $266,000 | $6,300,000 |
| Application Withdrawn By Applicant | 57 | $40,189,000 | $705,000 | $4,000,000 | $360,000 | $3,342,000 |
| Application Approved But Not Accepted | 7 | $5,546,000 | $792,000 | $1,965,000 | $281,000 | $776,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 509 | $358,540,000 | $704,000 | $4,946,000 | $133,000 | $3,000,000 |
| Collateral | 209 | $132,890,000 | $635,000 | $10,000,000 | $357,000 | $4,938,000 |
| Credit History | 93 | $60,762,000 | $653,000 | $2,320,000 | $330,000 | $2,000,000 |
| Other | 85 | $57,630,000 | $678,000 | $3,000,000 | $465,000 | $4,750,000 |
| Credit Application Incomplete | 68 | $61,393,000 | $902,000 | $4,950,000 | $661,000 | $6,300,000 |
| Unverifiable Information | 36 | $19,400,000 | $538,000 | $1,992,000 | $254,000 | $1,198,000 |
| Employment History | 13 | $8,123,000 | $624,000 | $1,440,000 | $228,000 | $551,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $527,000 | $527,000 | $527,000 | $165,000 | $165,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2013 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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