Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2015
In 2015, Charles Schwab Bank, SSB of Lone Tree, CO reported 3,755 mortgage applications totaling $2.2 billion, up 29% from 2014. The average application was for $589,500, and applicants reported an average income of $264,616. 68% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Francisco-Redwood City-South San Francisco, CA (265), Oakland-Hayward-Berkeley, CA (262) and Los Angeles-Long Beach-Glendale, CA (217) (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 | 3,755 |
| Total Mortgage Loan Application Amount | $2,213,574,000 |
| Average Mortgage Loan Application Amount | $589,500 |
| Highest Mortgage Loan Application Amount | $4,728,000 |
| Average Applicant Income | $264,616 |
| Highest Applicant Income | $7,371,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Redwood City-South San Francisco, CA | 265 | $ 220,925,000 | $ 833,679 | $ 307,000 |
| Oakland-Hayward-Berkeley, CA | 262 | $ 158,769,000 | $ 605,988 | $ 213,000 |
| Los Angeles-Long Beach-Glendale, CA | 217 | $ 188,171,000 | $ 867,147 | $ 331,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 207 | $ 152,212,000 | $ 735,323 | $ 279,000 |
| Anaheim-Santa Ana-Irvine, CA | 169 | $ 122,267,000 | $ 723,473 | $ 282,000 |
| Denver-Aurora-Lakewood, CO | 114 | $ 53,343,000 | $ 467,921 | $ 193,000 |
| Chicago-Naperville-Arlington Heights, IL | 113 | $ 51,891,000 | $ 459,212 | $ 282,000 |
| San Diego-Carlsbad, CA | 111 | $ 80,905,000 | $ 728,873 | $ 260,000 |
| Seattle-Bellevue-Everett, WA | 102 | $ 61,724,000 | $ 605,137 | $ 303,000 |
| New York-Jersey City-White Plains, NY-NJ | 98 | $ 65,809,000 | $ 671,520 | $ 360,612 |
| Phoenix-Mesa-Scottsdale, AZ | 96 | $ 42,964,000 | $ 447,541 | $ 237,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 81 | $ 49,436,000 | $ 610,320 | $ 253,518 |
| San Rafael, CA | 68 | $ 45,215,000 | $ 664,926 | $ 276,000 |
| Riverside-San Bernardino-Ontario, CA | 57 | $ 26,958,000 | $ 472,947 | $ 221,000 |
| Atlanta-Sandy Springs-Roswell, GA | 51 | $ 26,885,000 | $ 527,156 | $ 251,000 |
| Houston-The Woodlands-Sugar Land, TX | 48 | $ 30,361,000 | $ 632,520 | $ 408,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 48 | $ 21,290,000 | $ 443,541 | $ 177,625 |
| Sacramento--Roseville--Arden-Arcade, CA | 46 | $ 21,874,000 | $ 475,521 | $ 248,000 |
| Las Vegas-Henderson-Paradise, NV | 41 | $ 22,901,000 | $ 558,560 | $ 263,000 |
| Dallas-Plano-Irving, TX | 40 | $ 21,008,000 | $ 525,200 | $ 321,000 |
| Newark, NJ-PA | 40 | $ 24,847,000 | $ 621,175 | $ 370,000 |
| Reno, NV | 38 | $ 16,503,000 | $ 434,289 | $ 214,000 |
| Santa Rosa, CA | 38 | $ 21,524,000 | $ 566,421 | $ 247,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 34 | $ 19,856,000 | $ 584,000 | $ 220,000 |
| Silver Spring-Frederick-Rockville, MD | 33 | $ 21,739,000 | $ 658,757 | $ 278,000 |
| Bridgeport-Stamford-Norwalk, CT | 31 | $ 28,220,000 | $ 910,322 | $ 349,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 31 | $ 14,105,000 | $ 455,000 | $ 186,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 18,591,000 | $ 599,709 | $ 338,000 |
| Miami-Miami Beach-Kendall, FL | 26 | $ 12,760,000 | $ 490,769 | $ 244,000 |
| Austin-Round Rock, TX | 25 | $ 11,874,000 | $ 474,960 | $ 264,000 |
| Cambridge-Newton-Framingham, MA | 25 | $ 15,867,000 | $ 634,680 | $ 279,000 |
| Naples-Immokalee-Marco Island, FL | 25 | $ 20,155,000 | $ 806,200 | $ 596,000 |
| Santa Maria-Santa Barbara, CA | 25 | $ 20,101,000 | $ 804,040 | $ 259,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 24 | $ 13,097,000 | $ 545,708 | $ 308,000 |
| Charlotte-Concord-Gastonia, NC-SC | 23 | $ 9,988,000 | $ 434,260 | $ 197,869 |
| Boston, MA | 22 | $ 14,432,000 | $ 656,000 | $ 295,000 |
| Salinas, CA | 22 | $ 16,477,000 | $ 748,954 | $ 304,000 |
| Baltimore-Columbia-Towson, MD | 20 | $ 8,093,000 | $ 404,650 | $ 150,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 20 | $ 11,576,000 | $ 578,800 | $ 328,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 8,427,000 | $ 421,350 | $ 186,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 19 | $ 8,216,000 | $ 432,421 | $ 216,000 |
| Jacksonville, FL | 19 | $ 8,258,000 | $ 434,631 | $ 183,000 |
| Nassau County-Suffolk County, NY | 19 | $ 12,169,000 | $ 640,473 | $ 312,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 7,190,000 | $ 422,941 | $ 247,000 |
| Montgomery County-Bucks County-Chester County, PA | 17 | $ 9,224,000 | $ 542,588 | $ 221,000 |
| North Port-Sarasota-Bradenton, FL | 17 | $ 6,955,000 | $ 409,117 | $ 156,000 |
| Boulder, CO | 15 | $ 7,524,000 | $ 501,600 | $ 177,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 7,912,000 | $ 527,466 | $ 299,266 |
| Raleigh, NC | 15 | $ 8,063,000 | $ 537,533 | $ 256,000 |
| Indianapolis-Carmel-Anderson, IN | 14 | $ 4,375,000 | $ 312,500 | $ 328,000 |
| Philadelphia, PA | 14 | $ 7,683,000 | $ 548,785 | $ 243,000 |
| Pittsburgh, PA | 14 | $ 6,569,000 | $ 469,214 | $ 233,000 |
| St. Louis, MO-IL | 13 | $ 6,480,000 | $ 498,461 | $ 266,000 |
| Tucson, AZ | 13 | $ 4,795,000 | $ 368,846 | $ 181,000 |
| Barnstable Town, MA | 12 | $ 4,325,000 | $ 360,416 | $ 262,000 |
| Cincinnati, OH-KY-IN | 12 | $ 3,189,000 | $ 265,750 | $ 143,333 |
| Orlando-Kissimmee-Sanford, FL | 12 | $ 4,106,000 | $ 342,166 | $ 120,000 |
| Providence-Warwick, RI-MA | 12 | $ 7,171,000 | $ 597,583 | $ 325,000 |
| Asheville, NC | 11 | $ 5,417,000 | $ 492,454 | $ 200,000 |
| Warren-Troy-Farmington Hills, MI | 11 | $ 4,244,000 | $ 385,818 | $ 292,000 |
| Charleston-North Charleston, SC | 10 | $ 5,713,000 | $ 571,300 | $ 260,000 |
| Fort Worth-Arlington, TX | 10 | $ 4,349,000 | $ 434,900 | $ 234,000 |
| Milwaukee-Waukesha-West Allis, WI | 10 | $ 3,586,000 | $ 358,600 | $ 188,000 |
| Napa, CA | 10 | $ 6,546,000 | $ 654,600 | $ 259,000 |
| Bellingham, WA | 9 | $ 3,576,000 | $ 397,333 | $ 200,000 |
| Bend-Redmond, OR | 9 | $ 2,863,000 | $ 318,111 | $ 224,000 |
| Cleveland-Elyria, OH | 9 | $ 4,032,000 | $ 448,000 | $ 272,000 |
| Durham-Chapel Hill, NC | 9 | $ 3,962,000 | $ 440,222 | $ 331,000 |
| Santa Fe, NM | 9 | $ 4,967,000 | $ 551,888 | $ 184,000 |
| Bremerton-Silverdale, WA | 8 | $ 4,578,000 | $ 572,250 | $ 210,000 |
| Prescott, AZ | 8 | $ 2,322,000 | $ 290,250 | $ 163,000 |
| Richmond, VA | 8 | $ 2,584,000 | $ 323,000 | $ 127,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 8 | $ 4,110,000 | $ 513,750 | $ 169,000 |
| The Villages, FL | 8 | $ 2,344,000 | $ 293,000 | $ 122,000 |
| Vallejo-Fairfield, CA | 8 | $ 3,601,000 | $ 450,125 | $ 164,000 |
| Colorado Springs, CO | 7 | $ 2,567,000 | $ 366,714 | $ 129,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 2,654,000 | $ 379,142 | $ 183,000 |
| Rockingham County-Strafford County, NH | 7 | $ 2,002,000 | $ 286,000 | $ 175,000 |
| San Antonio-New Braunfels, TX | 7 | $ 1,857,000 | $ 265,285 | $ 187,000 |
| Santa Cruz-Watsonville, CA | 7 | $ 2,624,000 | $ 374,857 | $ 160,000 |
| Albuquerque, NM | 6 | $ 2,669,000 | $ 444,833 | $ 509,000 |
| Birmingham-Hoover, AL | 6 | $ 2,598,000 | $ 433,000 | $ 308,000 |
| Columbus, OH | 6 | $ 2,062,000 | $ 343,666 | $ 188,000 |
| Dutchess County-Putnam County, NY | 6 | $ 3,335,000 | $ 555,833 | $ 511,000 |
| Elgin, IL | 6 | $ 2,960,000 | $ 493,333 | $ 298,000 |
| Fort Collins, CO | 6 | $ 1,506,000 | $ 251,000 | $ 139,000 |
| Greensboro-High Point, NC | 6 | $ 2,478,000 | $ 413,000 | $ 222,000 |
| Kansas City, MO-KS | 6 | $ 2,080,000 | $ 346,666 | $ 249,333 |
| Louisville/Jefferson County, KY-IN | 6 | $ 2,329,000 | $ 388,166 | $ 293,000 |
| Medford, OR | 6 | $ 2,243,000 | $ 373,833 | $ 171,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 6 | $ 1,410,000 | $ 235,000 | $ 84,500 |
| Portland-South Portland, ME | 6 | $ 4,842,000 | $ 807,000 | $ 252,000 |
| Sebastian-Vero Beach, FL | 6 | $ 2,693,000 | $ 448,833 | $ 238,000 |
| Trenton, NJ | 6 | $ 2,698,000 | $ 449,666 | $ 518,000 |
| Boise City, ID | 5 | $ 1,985,000 | $ 397,000 | $ 141,000 |
| Burlington-South Burlington, VT | 5 | $ 2,671,000 | $ 534,200 | $ 292,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 1,563,000 | $ 312,600 | $ 221,000 |
| Fresno, CA | 5 | $ 2,132,000 | $ 426,400 | $ 191,000 |
| Modesto, CA | 5 | $ 1,878,000 | $ 375,600 | $ 164,000 |
| New Orleans-Metairie, LA | 5 | $ 1,614,000 | $ 322,800 | $ 207,000 |
| Ann Arbor, MI | 4 | $ 1,022,000 | $ 255,500 | $ 229,000 |
| Eugene, OR | 4 | $ 1,099,000 | $ 274,750 | $ 85,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 1,198,000 | $ 299,500 | $ 201,000 |
| Stockton-Lodi, CA | 4 | $ 1,742,000 | $ 435,500 | $ 189,000 |
| Tacoma-Lakewood, WA | 4 | $ 2,152,000 | $ 538,000 | $ 241,000 |
| Tulsa, OK | 4 | $ 2,141,000 | $ 535,250 | $ 268,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 4 | $ 1,560,000 | $ 390,000 | $ 130,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 524,000 | $ 174,666 | $ 92,000 |
| Bakersfield, CA | 3 | $ 1,170,000 | $ 390,000 | $ 195,000 |
| Brunswick, GA | 3 | $ 1,877,000 | $ 625,666 | $ 1,425,000 |
| Camden, NJ | 3 | $ 1,196,000 | $ 398,666 | $ 214,000 |
| Charlottesville, VA | 3 | $ 1,334,000 | $ 444,666 | $ 216,000 |
| Coeur D'Alene, ID | 3 | $ 745,000 | $ 248,333 | $ 170,000 |
| Flagstaff, AZ | 3 | $ 682,000 | $ 227,333 | $ 164,000 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 900,000 | $ 300,000 | $ 130,000 |
| Harrisburg-Carlisle, PA | 3 | $ 505,000 | $ 168,333 | $ 118,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 1,789,000 | $ 596,333 | $ 288,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 696,000 | $ 232,000 | $ 66,000 |
| Knoxville, TN | 3 | $ 853,000 | $ 284,333 | $ 171,000 |
| Madison, WI | 3 | $ 1,105,000 | $ 368,333 | $ 232,000 |
| Manchester-Nashua, NH | 3 | $ 533,000 | $ 177,666 | $ 96,000 |
| Punta Gorda, FL | 3 | $ 1,304,000 | $ 434,666 | $ 144,000 |
| Roanoke, VA | 3 | $ 484,000 | $ 161,333 | $ 114,000 |
| Urban Honolulu, HI | 3 | $ 2,433,000 | $ 811,000 | $ 249,000 |
| Wilmington, DE-MD-NJ | 3 | $ 560,000 | $ 186,666 | $ 118,000 |
| Akron, OH | 2 | $ 374,000 | $ 187,000 | $ 74,000 |
| Anchorage, AK | 2 | $ 996,000 | $ 498,000 | $ 173,000 |
| Chattanooga, TN-GA | 2 | $ 383,000 | $ 191,500 | $ 108,000 |
| Columbia, SC | 2 | $ 712,000 | $ 356,000 | $ 116,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,345,000 | $ 672,500 | $ 250,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,100,000 | $ 550,000 | $ 160,000 |
| Dayton, OH | 2 | $ 1,210,000 | $ 605,000 | $ 325,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 787,000 | $ 393,500 | $ 248,000 |
| Gainesville, FL | 2 | $ 454,000 | $ 227,000 | $ 72,000 |
| Homosassa Springs, FL | 2 | $ 330,000 | $ 165,000 | $ 130,000 |
| Jackson, MS | 2 | $ 800,000 | $ 400,000 | $ 334,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,363,000 | $ 681,500 | $ 130,000 |
| Kalamazoo-Portage, MI | 2 | $ 406,000 | $ 203,000 | $ 91,000 |
| Lafayette, LA | 2 | $ 550,000 | $ 275,000 | $ 309,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 665,000 | $ 332,500 | $ 127,000 |
| Ocean City, NJ | 2 | $ 1,030,000 | $ 515,000 | $ 306,000 |
| Ogden-Clearfield, UT | 2 | $ 1,001,000 | $ 500,500 | $ 188,000 |
| Olympia-Tumwater, WA | 2 | $ 522,000 | $ 261,000 | $ 92,000 |
| Rochester, MN | 2 | $ 826,000 | $ 413,000 | $ 356,000 |
| Salisbury, MD-DE | 2 | $ 574,000 | $ 287,000 | $ 196,000 |
| Savannah, GA | 2 | $ 731,000 | $ 365,500 | $ 190,000 |
| Shreveport-Bossier City, LA | 2 | $ 282,000 | $ 141,000 | $ 65,000 |
| Spokane-Spokane Valley, WA | 2 | $ 248,000 | $ 124,000 | $ 72,000 |
| State College, PA | 2 | $ 495,000 | $ 247,500 | $ 125,000 |
| Tallahassee, FL | 2 | $ 754,000 | $ 377,000 | $ 82,000 |
| Wichita, KS | 2 | $ 807,000 | $ 403,500 | $ 271,000 |
| Wilmington, NC | 2 | $ 1,585,000 | $ 792,500 | $ 786,000 |
| Worcester, MA-CT | 2 | $ 1,009,000 | $ 504,500 | $ 129,000 |
| Appleton, WI | 1 | $ 201,000 | $ 201,000 | $ 245,000 |
| Athens-Clarke County, GA | 1 | $ 479,000 | $ 479,000 | $ 168,000 |
| Auburn-Opelika, AL | 1 | $ 200,000 | $ 200,000 | $ 79,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 120,000 | $ 120,000 | $ 117,000 |
| Bangor, ME | 1 | $ 156,000 | $ 156,000 | $ 80,000 |
| Baton Rouge, LA | 1 | $ 300,000 | $ 300,000 | $ 177,000 |
| Canton-Massillon, OH | 1 | $ 95,000 | $ 95,000 | $ 240,000 |
| Cape Girardeau, MO-IL | 1 | $ 138,000 | $ 138,000 | $ 89,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 226,000 | $ 226,000 | $ 172,000 |
| Chico, CA | 1 | $ 223,000 | $ 223,000 | $ 62,000 |
| Cleveland, TN | 1 | $ 116,000 | $ 116,000 | $ 60,000 |
| College Station-Bryan, TX | 1 | $ 220,000 | $ 220,000 | $ 80,000 |
| Columbia, MO | 1 | $ 553,000 | $ 553,000 | $ 255,000 |
| Duluth, MN-WI | 1 | $ 264,000 | $ 264,000 | $ 685,000 |
| El Paso, TX | 1 | $ 161,000 | $ 161,000 | $ 81,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 147,000 | $ 147,000 | $ 133,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 725,000 | $ 725,000 | $ 228,000 |
| Fort Wayne, IN | 1 | $ 204,000 | $ 204,000 | $ 75,000 |
| Gainesville, GA | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Gary, IN | 1 | $ 174,000 | $ 174,000 | $ 135,000 |
| Glens Falls, NY | 1 | $ 231,000 | $ 231,000 | $ 281,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 417,000 | $ 417,000 | $ 273,000 |
| Greeley, CO | 1 | $ 200,000 | $ 200,000 | $ 119,000 |
| Hot Springs, AR | 1 | $ 104,000 | $ 104,000 | $ 57,000 |
| Kennewick-Richland, WA | 1 | $ 142,000 | $ 142,000 | $ 44,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 1,125,000 | $ 1,125,000 | $ 319,000 |
| Lake Charles, LA | 1 | $ 244,000 | $ 244,000 | $ 165,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 80,000 | $ 80,000 | $ 12,000 |
| Lakeland-Winter Haven, FL | 1 | $ 432,000 | $ 432,000 | $ 158,000 |
| Las Cruces, NM | 1 | $ 328,000 | $ 328,000 | $ 124,000 |
| Lexington-Fayette, KY | 1 | $ 525,000 | $ 525,000 | $ 319,000 |
| Lima, OH | 1 | $ 152,000 | $ 152,000 | $ 115,000 |
| Lincoln, NE | 1 | $ 452,000 | $ 452,000 | $ 180,000 |
| Memphis, TN-MS-AR | 1 | $ 100,000 | $ 100,000 | $ 118,000 |
| Michigan City-La Porte, IN | 1 | $ 1,400,000 | $ 1,400,000 | $ 515,000 |
| Midland, MI | 1 | $ 111,000 | $ 111,000 | $ 146,000 |
| Midland, TX | 1 | $ 246,000 | $ 246,000 | $ 178,000 |
| Missoula, MT | 1 | $ 196,000 | $ 196,000 | $ 371,000 |
| Monroe, MI | 1 | $ 225,000 | $ 225,000 | $ 173,000 |
| New Haven-Milford, CT | 1 | $ 477,000 | $ 477,000 | $ 199,000 |
| Niles-Benton Harbor, MI | 1 | $ 365,000 | $ 365,000 | $ 181,000 |
| Ocala, FL | 1 | $ 451,000 | $ 451,000 | $ 125,000 |
| Oklahoma City, OK | 1 | $ 300,000 | $ 300,000 | $ 272,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 946,000 | $ 946,000 | $ 254,000 |
| Pittsfield, MA | 1 | $ 672,000 | $ 672,000 | $ 495,000 |
| Port St. Lucie, FL | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Redding, CA | 1 | $ 288,000 | $ 288,000 | $ 104,000 |
| Rochester, NY | 1 | $ 342,000 | $ 342,000 | $ 398,000 |
| Salem, OR | 1 | $ 235,000 | $ 235,000 | $ 159,000 |
| Salt Lake City, UT | 1 | $ 384,000 | $ 384,000 | $ 180,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 144,000 | $ 144,000 | $ 53,000 |
| Sheboygan, WI | 1 | $ 512,000 | $ 512,000 | $ 272,000 |
| Springfield, MO | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| St. George, UT | 1 | $ 222,000 | $ 222,000 | $ 59,000 |
| Toledo, OH | 1 | $ 93,000 | $ 93,000 | $ 42,000 |
| Williamsport, PA | 1 | $ 75,000 | $ 75,000 | $ 384,000 |
| Winchester, VA-WV | 1 | $ 129,000 | $ 129,000 | $ 86,000 |
| York-Hanover, PA | 1 | $ 240,000 | $ 240,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2015
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 | 2,486 | $1,501,951,000 | $604,000 | $4,211,000 | $259,000 | $6,564,000 |
| Home Purchase | 1,245 | $702,851,000 | $564,000 | $4,728,000 | $277,000 | $7,371,000 |
| Home Improvement | 24 | $8,772,000 | $365,000 | $900,000 | $204,000 | $698,000 |
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 | 2,378 | $1,352,112,000 | $568,000 | $4,000,000 | $250,000 | $4,054,000 |
| Not Provided | 1,040 | $669,941,000 | $644,000 | $4,728,000 | $300,000 | $7,371,000 |
| Asian | 236 | $148,999,000 | $631,000 | $2,550,000 | $255,000 | $1,028,000 |
| Hispanic | 75 | $32,563,000 | $434,000 | $1,500,000 | $314,000 | $6,564,000 |
| Black or African American | 13 | $6,228,000 | $479,000 | $1,230,000 | $266,000 | $703,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,254,000 | $322,000 | $1,000,000 | $148,000 | $460,000 |
| American Indian or Alaskan Native | 4 | $1,130,000 | $282,000 | $503,000 | $74,000 | $108,000 |
| Not applicable | 2 | $347,000 | $173,000 | $235,000 | $46,000 | $54,000 |
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) | 3,755 | $2,213,574,000 | $589,000 | $4,728,000 | $265,000 | $7,371,000 |
| 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 | 2,543 | $1,719,102,000 | $676,000 | $4,728,000 | $299,000 | $7,371,000 |
| Loan Purchased By The Institution | 817 | $224,605,000 | $274,000 | $623,000 | $155,000 | $1,990,000 |
| Application Denied By Financial Institution | 372 | $255,559,000 | $686,000 | $4,211,000 | $271,000 | $6,564,000 |
| Application Approved But Not Accepted | 16 | $9,757,000 | $609,000 | $1,399,000 | $319,000 | $1,460,000 |
| Application Withdrawn By Applicant | 7 | $4,551,000 | $650,000 | $2,016,000 | $356,000 | $960,000 |
| 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 | 127 | $88,853,000 | $699,000 | $4,211,000 | $132,000 | $696,000 |
| Collateral | 91 | $57,558,000 | $632,000 | $3,000,000 | $321,000 | $1,356,000 |
| Credit Application Incomplete | 54 | $38,856,000 | $719,000 | $3,850,000 | $304,000 | $1,680,000 |
| Credit History | 44 | $27,944,000 | $635,000 | $3,400,000 | $320,000 | $1,644,000 |
| Other | 42 | $34,678,000 | $825,000 | $4,000,000 | $361,000 | $1,560,000 |
| Unverifiable Information | 11 | $5,287,000 | $480,000 | $1,127,000 | $754,000 | $6,564,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,460,000 | $730,000 | $880,000 | $223,000 | $341,000 |
| Employment History | 1 | $923,000 | $923,000 | $923,000 | $324,000 | $324,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2015 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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