Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2014
In 2014, Charles Schwab Bank, SSB of Lone Tree, CO reported 2,905 mortgage applications totaling $1.4 billion, down 64% from 2013. The average application was for $476,901, and applicants reported an average income of $233,934. 56% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (188), San Francisco-Redwood City-South San Francisco, CA (129) and Los Angeles-Long Beach-Glendale, CA (122) (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 | 2,905 |
| Total Mortgage Loan Application Amount | $1,385,400,000 |
| Average Mortgage Loan Application Amount | $476,901 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $233,934 |
| Highest Applicant Income | $4,000,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oakland-Hayward-Berkeley, CA | 188 | $ 97,100,000 | $ 516,489 | $ 215,000 |
| San Francisco-Redwood City-South San Francisco, CA | 129 | $ 86,816,000 | $ 672,992 | $ 279,000 |
| Los Angeles-Long Beach-Glendale, CA | 122 | $ 88,889,000 | $ 728,598 | $ 336,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 110 | $ 64,537,000 | $ 586,700 | $ 201,000 |
| Anaheim-Santa Ana-Irvine, CA | 103 | $ 67,141,000 | $ 651,854 | $ 303,000 |
| Phoenix-Mesa-Scottsdale, AZ | 99 | $ 42,729,000 | $ 431,606 | $ 195,000 |
| New York-Jersey City-White Plains, NY-NJ | 98 | $ 59,499,000 | $ 607,132 | $ 349,551 |
| San Diego-Carlsbad, CA | 83 | $ 53,338,000 | $ 642,626 | $ 256,000 |
| Denver-Aurora-Lakewood, CO | 80 | $ 32,823,000 | $ 410,287 | $ 228,000 |
| Chicago-Naperville-Arlington Heights, IL | 72 | $ 34,606,000 | $ 480,638 | $ 233,000 |
| Atlanta-Sandy Springs-Roswell, GA | 70 | $ 30,969,000 | $ 442,414 | $ 246,000 |
| Seattle-Bellevue-Everett, WA | 67 | $ 29,276,000 | $ 436,955 | $ 167,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 56 | $ 31,102,000 | $ 555,392 | $ 269,053 |
| San Rafael, CA | 53 | $ 34,557,000 | $ 652,018 | $ 278,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 52 | $ 21,622,000 | $ 415,807 | $ 229,000 |
| Houston-The Woodlands-Sugar Land, TX | 48 | $ 20,836,000 | $ 434,083 | $ 304,000 |
| Riverside-San Bernardino-Ontario, CA | 43 | $ 17,565,000 | $ 408,488 | $ 225,000 |
| Dallas-Plano-Irving, TX | 38 | $ 17,611,000 | $ 463,447 | $ 256,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 37 | $ 15,588,000 | $ 421,297 | $ 192,945 |
| Bridgeport-Stamford-Norwalk, CT | 33 | $ 18,674,000 | $ 565,878 | $ 337,000 |
| Reno, NV | 33 | $ 11,057,000 | $ 335,060 | $ 132,000 |
| Austin-Round Rock, TX | 32 | $ 14,550,000 | $ 454,687 | $ 216,000 |
| North Port-Sarasota-Bradenton, FL | 28 | $ 10,342,000 | $ 369,357 | $ 382,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 28 | $ 11,847,000 | $ 423,107 | $ 247,000 |
| Newark, NJ-PA | 27 | $ 15,405,000 | $ 570,555 | $ 307,000 |
| Boston, MA | 25 | $ 14,851,000 | $ 594,040 | $ 204,000 |
| Santa Rosa, CA | 25 | $ 10,758,000 | $ 430,320 | $ 162,000 |
| Nassau County-Suffolk County, NY | 24 | $ 10,612,000 | $ 442,166 | $ 333,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 23 | $ 9,067,000 | $ 394,217 | $ 183,000 |
| Cambridge-Newton-Framingham, MA | 22 | $ 9,960,000 | $ 452,727 | $ 227,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 22 | $ 7,208,000 | $ 327,636 | $ 191,000 |
| Naples-Immokalee-Marco Island, FL | 22 | $ 9,113,000 | $ 414,227 | $ 228,000 |
| Silver Spring-Frederick-Rockville, MD | 22 | $ 12,540,000 | $ 570,000 | $ 216,000 |
| Orlando-Kissimmee-Sanford, FL | 21 | $ 7,135,000 | $ 339,761 | $ 158,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 6,560,000 | $ 328,000 | $ 220,000 |
| Las Vegas-Henderson-Paradise, NV | 19 | $ 6,938,000 | $ 365,157 | $ 222,000 |
| Raleigh, NC | 18 | $ 5,761,000 | $ 320,055 | $ 152,000 |
| Warren-Troy-Farmington Hills, MI | 18 | $ 7,912,000 | $ 439,555 | $ 229,000 |
| Lake County-Kenosha County, IL-WI | 16 | $ 5,969,000 | $ 373,062 | $ 201,000 |
| Miami-Miami Beach-Kendall, FL | 15 | $ 9,251,000 | $ 616,733 | $ 349,000 |
| Tucson, AZ | 15 | $ 4,739,000 | $ 315,933 | $ 123,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 3,991,000 | $ 285,071 | $ 134,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 7,258,000 | $ 518,428 | $ 168,000 |
| Charleston-North Charleston, SC | 13 | $ 5,782,000 | $ 444,769 | $ 260,000 |
| Charlotte-Concord-Gastonia, NC-SC | 13 | $ 4,797,000 | $ 369,000 | $ 190,230 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 4,603,000 | $ 354,076 | $ 239,000 |
| Kansas City, MO-KS | 13 | $ 4,380,000 | $ 336,923 | $ 192,692 |
| Salinas, CA | 13 | $ 7,407,000 | $ 569,769 | $ 209,000 |
| Asheville, NC | 12 | $ 4,907,000 | $ 408,916 | $ 198,000 |
| Cape Coral-Fort Myers, FL | 12 | $ 5,225,000 | $ 435,416 | $ 203,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 5,810,000 | $ 484,166 | $ 302,000 |
| Jacksonville, FL | 12 | $ 7,165,000 | $ 597,083 | $ 277,000 |
| Napa, CA | 12 | $ 5,218,000 | $ 434,833 | $ 266,000 |
| Philadelphia, PA | 12 | $ 4,697,000 | $ 391,416 | $ 176,000 |
| Santa Maria-Santa Barbara, CA | 12 | $ 7,375,000 | $ 614,583 | $ 247,000 |
| Baltimore-Columbia-Towson, MD | 11 | $ 6,179,000 | $ 561,727 | $ 309,000 |
| Boulder, CO | 10 | $ 5,651,000 | $ 565,100 | $ 213,000 |
| Bremerton-Silverdale, WA | 10 | $ 3,883,000 | $ 388,300 | $ 150,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 10 | $ 2,921,000 | $ 292,100 | $ 252,000 |
| St. Louis, MO-IL | 10 | $ 3,174,000 | $ 317,400 | $ 224,000 |
| Montgomery County-Bucks County-Chester County, PA | 9 | $ 2,539,000 | $ 282,111 | $ 137,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 9 | $ 4,555,000 | $ 506,111 | $ 185,000 |
| Boise City, ID | 8 | $ 3,709,000 | $ 463,625 | $ 177,000 |
| Fort Worth-Arlington, TX | 8 | $ 3,413,000 | $ 426,625 | $ 331,000 |
| Bend-Redmond, OR | 7 | $ 2,504,000 | $ 357,714 | $ 288,000 |
| Cleveland-Elyria, OH | 7 | $ 1,344,000 | $ 192,000 | $ 181,000 |
| Columbus, OH | 7 | $ 2,267,000 | $ 323,857 | $ 137,000 |
| Modesto, CA | 7 | $ 2,753,000 | $ 393,285 | $ 202,000 |
| Pittsburgh, PA | 7 | $ 3,157,000 | $ 451,000 | $ 301,000 |
| San Antonio-New Braunfels, TX | 7 | $ 2,201,000 | $ 314,428 | $ 190,000 |
| Santa Fe, NM | 7 | $ 3,406,000 | $ 486,571 | $ 197,000 |
| Tacoma-Lakewood, WA | 7 | $ 1,513,000 | $ 216,142 | $ 186,000 |
| Trenton, NJ | 7 | $ 4,222,000 | $ 603,142 | $ 241,000 |
| Colorado Springs, CO | 6 | $ 1,582,000 | $ 263,666 | $ 159,000 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 3,273,000 | $ 545,500 | $ 395,000 |
| Des Moines-West Des Moines, IA | 6 | $ 1,555,000 | $ 259,166 | $ 117,000 |
| Richmond, VA | 6 | $ 986,000 | $ 164,333 | $ 196,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 2,183,000 | $ 363,833 | $ 182,000 |
| Tulsa, OK | 6 | $ 3,278,000 | $ 546,333 | $ 291,000 |
| Wilmington, DE-MD-NJ | 6 | $ 2,651,000 | $ 441,833 | $ 209,333 |
| Barnstable Town, MA | 5 | $ 1,914,000 | $ 382,800 | $ 244,000 |
| Birmingham-Hoover, AL | 5 | $ 2,422,000 | $ 484,400 | $ 202,000 |
| Cincinnati, OH-KY-IN | 5 | $ 2,341,000 | $ 468,200 | $ 372,800 |
| Greensboro-High Point, NC | 5 | $ 778,000 | $ 155,600 | $ 101,000 |
| Kahului-Wailuku-Lahaina, HI | 5 | $ 3,328,000 | $ 665,600 | $ 245,000 |
| Ocean City, NJ | 5 | $ 2,531,000 | $ 506,200 | $ 230,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 2,288,000 | $ 457,600 | $ 265,000 |
| Prescott, AZ | 5 | $ 1,973,000 | $ 394,600 | $ 205,000 |
| Providence-Warwick, RI-MA | 5 | $ 2,014,000 | $ 402,800 | $ 217,000 |
| The Villages, FL | 5 | $ 1,557,000 | $ 311,400 | $ 138,000 |
| Urban Honolulu, HI | 5 | $ 3,320,000 | $ 664,000 | $ 267,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 1,422,000 | $ 284,400 | $ 174,000 |
| Albuquerque, NM | 4 | $ 1,065,000 | $ 266,250 | $ 183,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 893,000 | $ 223,250 | $ 129,750 |
| Ann Arbor, MI | 4 | $ 602,000 | $ 150,500 | $ 83,000 |
| Burlington-South Burlington, VT | 4 | $ 1,279,000 | $ 319,750 | $ 108,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 1,005,000 | $ 251,250 | $ 139,000 |
| Elgin, IL | 4 | $ 627,000 | $ 156,750 | $ 114,000 |
| Eugene, OR | 4 | $ 1,529,000 | $ 382,250 | $ 132,000 |
| Fort Collins, CO | 4 | $ 1,210,000 | $ 302,500 | $ 134,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 933,000 | $ 233,250 | $ 107,000 |
| Louisville/Jefferson County, KY-IN | 4 | $ 1,698,000 | $ 424,500 | $ 273,000 |
| Manchester-Nashua, NH | 4 | $ 967,000 | $ 241,750 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,672,000 | $ 418,000 | $ 199,000 |
| Portland-South Portland, ME | 4 | $ 1,971,000 | $ 492,750 | $ 632,000 |
| Punta Gorda, FL | 4 | $ 1,785,000 | $ 446,250 | $ 167,000 |
| Rockingham County-Strafford County, NH | 4 | $ 662,000 | $ 165,500 | $ 268,000 |
| Savannah, GA | 4 | $ 2,198,000 | $ 549,500 | $ 179,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,232,000 | $ 308,000 | $ 118,000 |
| Worcester, MA-CT | 4 | $ 1,247,000 | $ 311,750 | $ 172,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 763,000 | $ 254,333 | $ 106,000 |
| Anchorage, AK | 3 | $ 965,000 | $ 321,666 | $ 235,000 |
| Bakersfield, CA | 3 | $ 489,000 | $ 163,000 | $ 124,000 |
| Durham-Chapel Hill, NC | 3 | $ 688,000 | $ 229,333 | $ 94,000 |
| Gainesville, GA | 3 | $ 1,358,000 | $ 452,666 | $ 165,000 |
| Knoxville, TN | 3 | $ 538,000 | $ 179,333 | $ 96,000 |
| Lakeland-Winter Haven, FL | 3 | $ 522,000 | $ 174,000 | $ 99,000 |
| Lancaster, PA | 3 | $ 890,000 | $ 296,666 | $ 573,000 |
| Medford, OR | 3 | $ 802,000 | $ 267,333 | $ 118,000 |
| Memphis, TN-MS-AR | 3 | $ 359,000 | $ 119,666 | $ 72,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 682,000 | $ 227,333 | $ 61,000 |
| New Orleans-Metairie, LA | 3 | $ 808,000 | $ 269,333 | $ 110,000 |
| Oklahoma City, OK | 3 | $ 366,000 | $ 122,000 | $ 86,000 |
| Port St. Lucie, FL | 3 | $ 1,178,000 | $ 392,666 | $ 283,000 |
| Rochester, NY | 3 | $ 526,000 | $ 175,333 | $ 90,000 |
| Salisbury, MD-DE | 3 | $ 2,239,000 | $ 746,333 | $ 270,333 |
| Wilmington, NC | 3 | $ 1,106,000 | $ 368,666 | $ 152,000 |
| Akron, OH | 2 | $ 772,000 | $ 386,000 | $ 120,000 |
| Bellingham, WA | 2 | $ 380,000 | $ 190,000 | $ 93,000 |
| Coeur D'Alene, ID | 2 | $ 2,345,000 | $ 1,172,500 | $ 778,000 |
| Columbia, SC | 2 | $ 583,000 | $ 291,500 | $ 104,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 315,000 | $ 157,500 | $ 90,000 |
| Fresno, CA | 2 | $ 650,000 | $ 325,000 | $ 245,000 |
| Gainesville, FL | 2 | $ 246,000 | $ 123,000 | $ 76,000 |
| Gary, IN | 2 | $ 501,000 | $ 250,500 | $ 81,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 635,000 | $ 317,500 | $ 258,000 |
| Harrisburg-Carlisle, PA | 2 | $ 558,000 | $ 279,000 | $ 148,000 |
| Las Cruces, NM | 2 | $ 541,000 | $ 270,500 | $ 129,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 620,000 | $ 310,000 | $ 167,000 |
| Madison, WI | 2 | $ 707,000 | $ 353,500 | $ 103,000 |
| Midland, TX | 2 | $ 1,155,000 | $ 577,500 | $ 321,000 |
| Niles-Benton Harbor, MI | 2 | $ 1,072,000 | $ 536,000 | $ 220,000 |
| Ocala, FL | 2 | $ 388,000 | $ 194,000 | $ 125,000 |
| Olympia-Tumwater, WA | 2 | $ 340,000 | $ 170,000 | $ 74,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 336,000 | $ 168,000 | $ 88,000 |
| Panama City, FL | 2 | $ 945,000 | $ 472,500 | $ 267,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 400,000 | $ 200,000 | $ 84,000 |
| Provo-Orem, UT | 2 | $ 378,000 | $ 189,000 | $ 60,000 |
| Salem, OR | 2 | $ 428,000 | $ 214,000 | $ 117,000 |
| Sebastian-Vero Beach, FL | 2 | $ 733,000 | $ 366,500 | $ 155,000 |
| Spokane-Spokane Valley, WA | 2 | $ 701,000 | $ 350,500 | $ 144,000 |
| Springfield, MO | 2 | $ 281,000 | $ 140,500 | $ 800,000 |
| State College, PA | 2 | $ 452,000 | $ 226,000 | $ 125,000 |
| Stockton-Lodi, CA | 2 | $ 614,000 | $ 307,000 | $ 116,000 |
| Tallahassee, FL | 2 | $ 527,000 | $ 263,500 | $ 177,000 |
| Tyler, TX | 2 | $ 827,000 | $ 413,500 | $ 563,000 |
| Wenatchee, WA | 2 | $ 670,000 | $ 335,000 | $ 196,000 |
| Winchester, VA-WV | 2 | $ 435,000 | $ 217,500 | $ 134,000 |
| Winston-Salem, NC | 2 | $ 408,000 | $ 204,000 | $ 97,000 |
| York-Hanover, PA | 2 | $ 180,000 | $ 90,000 | $ 137,000 |
| Albany, OR | 1 | $ 120,000 | $ 120,000 | $ 167,000 |
| Altoona, PA | 1 | $ 321,000 | $ 321,000 | $ 139,000 |
| Athens-Clarke County, GA | 1 | $ 285,000 | $ 285,000 | $ 47,000 |
| Bloomsburg-Berwick, PA | 1 | $ 132,000 | $ 132,000 | $ 68,000 |
| Brunswick, GA | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 267,000 | $ 267,000 | $ 165,000 |
| Burlington, NC | 1 | $ 100,000 | $ 100,000 | $ 125,000 |
| California-Lexington Park, MD | 1 | $ 408,000 | $ 408,000 | $ 484,000 |
| Camden, NJ | 1 | $ 427,000 | $ 427,000 | $ 162,000 |
| Casper, WY | 1 | $ 380,000 | $ 380,000 | $ 106,000 |
| Charleston, WV | 1 | $ 544,000 | $ 544,000 | $ 148,000 |
| Charlottesville, VA | 1 | $ 325,000 | $ 325,000 | $ 93,000 |
| Corvallis, OR | 1 | $ 211,000 | $ 211,000 | $ 103,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Dayton, OH | 1 | $ 246,000 | $ 246,000 | $ 85,000 |
| Dothan, AL | 1 | $ 211,000 | $ 211,000 | $ 112,000 |
| Flagstaff, AZ | 1 | $ 202,000 | $ 202,000 | $ 54,000 |
| Florence-Muscle Shoals, AL | 1 | $ 286,000 | $ 286,000 | $ 94,000 |
| Grand Junction, CO | 1 | $ 454,000 | $ 454,000 | $ 150,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 151,000 | $ 151,000 | $ 120,000 |
| Homosassa Springs, FL | 1 | $ 109,000 | $ 109,000 | $ 76,000 |
| Idaho Falls, ID | 1 | $ 63,000 | $ 63,000 | $ 43,000 |
| Ithaca, NY | 1 | $ 160,000 | $ 160,000 | $ 160,000 |
| Janesville-Beloit, WI | 1 | $ 180,000 | $ 180,000 | $ 135,000 |
| Kalamazoo-Portage, MI | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Kennewick-Richland, WA | 1 | $ 150,000 | $ 150,000 | $ 107,000 |
| Killeen-Temple, TX | 1 | $ 85,000 | $ 85,000 | $ 156,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 130,000 | $ 130,000 | $ 94,000 |
| Lawrence, KS | 1 | $ 236,000 | $ 236,000 | $ 63,000 |
| Lexington-Fayette, KY | 1 | $ 895,000 | $ 895,000 | $ 681,000 |
| Logan, UT-ID | 1 | $ 300,000 | $ 300,000 | $ 70,000 |
| Madera, CA | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
| Manhattan, KS | 1 | $ 280,000 | $ 280,000 | $ 90,000 |
| Michigan City-La Porte, IN | 1 | $ 1,400,000 | $ 1,400,000 | $ 448,000 |
| Mobile, AL | 1 | $ 230,000 | $ 230,000 | $ 110,000 |
| Montgomery, AL | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| New Haven-Milford, CT | 1 | $ 400,000 | $ 400,000 | $ 400,000 |
| Oshkosh-Neenah, WI | 1 | $ 276,000 | $ 276,000 | $ 225,000 |
| Pittsfield, MA | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Redding, CA | 1 | $ 368,000 | $ 368,000 | $ 240,000 |
| Roanoke, VA | 1 | $ 121,000 | $ 121,000 | $ 71,000 |
| Rochester, MN | 1 | $ 328,000 | $ 328,000 | $ 340,000 |
| Salt Lake City, UT | 1 | $ 317,000 | $ 317,000 | $ 553,000 |
| Sheboygan, WI | 1 | $ 233,000 | $ 233,000 | $ 285,000 |
| Sherman-Denison, TX | 1 | $ 88,000 | $ 88,000 | $ 58,000 |
| Springfield, IL | 1 | $ 117,000 | $ 117,000 | $ 86,000 |
| St. George, UT | 1 | $ 450,000 | $ 450,000 | $ 107,000 |
| Staunton-Waynesboro, VA | 1 | $ 225,000 | $ 225,000 | $ 34,000 |
| Toledo, OH | 1 | $ 417,000 | $ 417,000 | $ 250,000 |
| Waco, TX | 1 | $ 270,000 | $ 270,000 | $ 148,000 |
| Wichita, KS | 1 | $ 199,000 | $ 199,000 | $ 64,000 |
| Yakima, WA | 1 | $ 384,000 | $ 384,000 | $ 319,000 |
| Yuba City, CA | 1 | $ 191,000 | $ 191,000 | $ 78,000 |
| Yuma, AZ | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2014
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 | 1,708 | $814,360,000 | $476,000 | $3,000,000 | $229,000 | $2,943,000 |
| Home Purchase | 1,167 | $564,775,000 | $483,000 | $3,500,000 | $241,000 | $4,000,000 |
| Home Improvement | 30 | $6,265,000 | $208,000 | $501,000 | $240,000 | $1,178,000 |
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 | 1,988 | $914,001,000 | $459,000 | $3,000,000 | $224,000 | $2,943,000 |
| Not Provided | 663 | $339,265,000 | $511,000 | $3,000,000 | $261,000 | $4,000,000 |
| Asian | 166 | $91,111,000 | $548,000 | $3,500,000 | $250,000 | $2,636,000 |
| Hispanic | 61 | $29,816,000 | $488,000 | $2,259,000 | $240,000 | $1,213,000 |
| Black or African American | 14 | $4,905,000 | $350,000 | $704,000 | $156,000 | $442,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $3,433,000 | $490,000 | $741,000 | $282,000 | $715,000 |
| American Indian or Alaskan Native | 6 | $2,869,000 | $478,000 | $626,000 | $178,000 | $243,000 |
| 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) | 2,905 | $1,385,400,000 | $476,000 | $3,500,000 | $234,000 | $4,000,000 |
| 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 | 1,615 | $940,217,000 | $582,000 | $3,500,000 | $272,000 | $3,897,000 |
| Loan Purchased By The Institution | 1,168 | $368,724,000 | $315,000 | $2,333,000 | $175,000 | $2,014,000 |
| Application Denied By Financial Institution | 115 | $71,486,000 | $621,000 | $3,000,000 | $298,000 | $4,000,000 |
| Application Withdrawn By Applicant | 7 | $4,973,000 | $710,000 | $1,400,000 | $381,000 | $1,061,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Collateral | 66 | $40,870,000 | $619,000 | $3,000,000 | $351,000 | $4,000,000 |
| Debt-To-Income Ratio | 19 | $12,271,000 | $645,000 | $1,885,000 | $127,000 | $372,000 |
| Other | 10 | $7,979,000 | $797,000 | $2,535,000 | $277,000 | $1,158,000 |
| Credit Application Incomplete | 9 | $4,566,000 | $507,000 | $1,278,000 | $331,000 | $657,000 |
| Credit History | 7 | $3,544,000 | $506,000 | $1,140,000 | $253,000 | $337,000 |
| Unverifiable Information | 2 | $1,192,000 | $596,000 | $940,000 | $231,000 | $276,000 |
| Employment History | 1 | $825,000 | $825,000 | $825,000 | $434,000 | $434,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $239,000 | $239,000 | $239,000 | $234,000 | $234,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2014 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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