Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2016
In 2016, Charles Schwab Bank, SSB of Lone Tree, CO reported 5,282 mortgage applications totaling $3.6 billion, up 41% from 2015. The average application was for $677,571, and applicants reported an average income of $293,196. 78% of its applications resulted in an originated loan and 8% were denied. Its largest markets were San Francisco-Redwood City-South San Francisco, CA (398), Oakland-Hayward-Berkeley, CA (349) and San Jose-Sunnyvale-Santa Clara, CA (344) (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 | 5,282 |
| Total Mortgage Loan Application Amount | $3,578,934,000 |
| Average Mortgage Loan Application Amount | $677,571 |
| Highest Mortgage Loan Application Amount | $5,000,000 |
| Average Applicant Income | $293,196 |
| Highest Applicant Income | $6,003,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 398 | $ 353,364,000 | $ 887,849 | $ 338,000 |
| Oakland-Hayward-Berkeley, CA | 349 | $ 245,214,000 | $ 702,618 | $ 263,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 344 | $ 279,178,000 | $ 811,563 | $ 264,000 |
| Los Angeles-Long Beach-Glendale, CA | 343 | $ 323,600,000 | $ 943,440 | $ 350,000 |
| Anaheim-Santa Ana-Irvine, CA | 234 | $ 195,460,000 | $ 835,299 | $ 292,000 |
| San Diego-Carlsbad, CA | 204 | $ 160,250,000 | $ 785,539 | $ 314,000 |
| Denver-Aurora-Lakewood, CO | 161 | $ 87,138,000 | $ 541,229 | $ 253,000 |
| Seattle-Bellevue-Everett, WA | 149 | $ 105,504,000 | $ 708,080 | $ 253,000 |
| Chicago-Naperville-Arlington Heights, IL | 146 | $ 88,732,000 | $ 607,753 | $ 345,000 |
| New York-Jersey City-White Plains, NY-NJ | 139 | $ 101,136,000 | $ 727,597 | $ 390,467 |
| San Rafael, CA | 131 | $ 113,330,000 | $ 865,114 | $ 335,000 |
| Phoenix-Mesa-Scottsdale, AZ | 129 | $ 70,930,000 | $ 549,844 | $ 207,000 |
| Atlanta-Sandy Springs-Roswell, GA | 111 | $ 60,078,000 | $ 541,243 | $ 271,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 88 | $ 59,268,000 | $ 673,500 | $ 310,136 |
| Sacramento--Roseville--Arden-Arcade, CA | 73 | $ 43,151,000 | $ 591,109 | $ 293,000 |
| Riverside-San Bernardino-Ontario, CA | 72 | $ 35,704,000 | $ 495,888 | $ 247,000 |
| Houston-The Woodlands-Sugar Land, TX | 60 | $ 35,534,000 | $ 592,233 | $ 298,000 |
| Santa Rosa, CA | 59 | $ 45,976,000 | $ 779,254 | $ 233,000 |
| Bridgeport-Stamford-Norwalk, CT | 58 | $ 48,501,000 | $ 836,224 | $ 384,000 |
| Newark, NJ-PA | 53 | $ 36,895,000 | $ 696,132 | $ 349,943 |
| Dallas-Plano-Irving, TX | 52 | $ 32,133,000 | $ 617,942 | $ 397,000 |
| Las Vegas-Henderson-Paradise, NV | 52 | $ 23,441,000 | $ 450,788 | $ 194,000 |
| Santa Maria-Santa Barbara, CA | 52 | $ 48,149,000 | $ 925,942 | $ 279,000 |
| Cambridge-Newton-Framingham, MA | 51 | $ 38,218,000 | $ 749,372 | $ 348,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 47 | $ 25,460,000 | $ 541,702 | $ 221,787 |
| Boston, MA | 45 | $ 39,075,000 | $ 868,333 | $ 493,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 45 | $ 31,113,000 | $ 691,400 | $ 286,000 |
| Austin-Round Rock, TX | 42 | $ 24,008,000 | $ 571,619 | $ 261,000 |
| Reno, NV | 39 | $ 16,973,000 | $ 435,205 | $ 222,000 |
| Nassau County-Suffolk County, NY | 37 | $ 26,858,000 | $ 725,891 | $ 380,000 |
| Montgomery County-Bucks County-Chester County, PA | 32 | $ 15,835,000 | $ 494,843 | $ 284,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 31 | $ 19,919,000 | $ 642,548 | $ 277,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 30 | $ 11,574,000 | $ 385,800 | $ 197,966 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | $ 15,631,000 | $ 539,000 | $ 286,000 |
| Silver Spring-Frederick-Rockville, MD | 29 | $ 15,660,000 | $ 540,000 | $ 252,000 |
| Charlotte-Concord-Gastonia, NC-SC | 28 | $ 14,164,000 | $ 505,857 | $ 258,642 |
| Boulder, CO | 27 | $ 13,160,000 | $ 487,407 | $ 171,000 |
| Indianapolis-Carmel-Anderson, IN | 27 | $ 11,987,000 | $ 443,962 | $ 230,000 |
| St. Louis, MO-IL | 27 | $ 13,122,000 | $ 486,000 | $ 283,111 |
| Charleston-North Charleston, SC | 26 | $ 16,160,000 | $ 621,538 | $ 302,000 |
| Miami-Miami Beach-Kendall, FL | 26 | $ 21,142,000 | $ 813,153 | $ 382,000 |
| Salinas, CA | 26 | $ 23,846,000 | $ 917,153 | $ 481,000 |
| Baltimore-Columbia-Towson, MD | 25 | $ 15,478,000 | $ 619,120 | $ 377,000 |
| Tampa-St. Petersburg-Clearwater, FL | 25 | $ 10,702,000 | $ 428,080 | $ 289,000 |
| Jacksonville, FL | 24 | $ 12,217,000 | $ 509,041 | $ 341,000 |
| Santa Cruz-Watsonville, CA | 24 | $ 18,109,000 | $ 754,541 | $ 280,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 10,706,000 | $ 486,636 | $ 247,000 |
| Lake County-Kenosha County, IL-WI | 22 | $ 14,081,000 | $ 640,045 | $ 375,000 |
| Warren-Troy-Farmington Hills, MI | 22 | $ 10,783,000 | $ 490,136 | $ 288,000 |
| North Port-Sarasota-Bradenton, FL | 21 | $ 12,726,000 | $ 606,000 | $ 274,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 21 | $ 12,481,000 | $ 594,333 | $ 297,000 |
| Naples-Immokalee-Marco Island, FL | 20 | $ 12,245,000 | $ 612,250 | $ 260,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 18 | $ 9,390,000 | $ 521,666 | $ 297,000 |
| Tucson, AZ | 18 | $ 7,813,000 | $ 434,055 | $ 170,000 |
| Urban Honolulu, HI | 18 | $ 12,380,000 | $ 687,777 | $ 211,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 17 | $ 8,665,000 | $ 509,705 | $ 301,000 |
| Orlando-Kissimmee-Sanford, FL | 17 | $ 8,575,000 | $ 504,411 | $ 266,000 |
| Milwaukee-Waukesha-West Allis, WI | 16 | $ 7,237,000 | $ 452,312 | $ 184,000 |
| Napa, CA | 16 | $ 10,791,000 | $ 674,437 | $ 381,000 |
| Providence-Warwick, RI-MA | 16 | $ 8,721,000 | $ 545,062 | $ 292,250 |
| Asheville, NC | 14 | $ 5,725,000 | $ 408,928 | $ 158,000 |
| Barnstable Town, MA | 14 | $ 9,991,000 | $ 713,642 | $ 549,000 |
| Raleigh, NC | 14 | $ 5,729,000 | $ 409,214 | $ 194,000 |
| Fort Worth-Arlington, TX | 12 | $ 7,343,000 | $ 611,916 | $ 315,000 |
| Salt Lake City, UT | 11 | $ 3,407,000 | $ 309,727 | $ 206,000 |
| San Antonio-New Braunfels, TX | 11 | $ 3,661,000 | $ 332,818 | $ 181,000 |
| Bremerton-Silverdale, WA | 10 | $ 6,516,000 | $ 651,600 | $ 272,000 |
| Philadelphia, PA | 10 | $ 5,802,000 | $ 580,200 | $ 361,000 |
| Santa Fe, NM | 10 | $ 5,076,000 | $ 507,600 | $ 181,000 |
| Bend-Redmond, OR | 9 | $ 4,152,000 | $ 461,333 | $ 135,000 |
| Cleveland-Elyria, OH | 9 | $ 3,811,000 | $ 423,444 | $ 360,000 |
| Kansas City, MO-KS | 9 | $ 3,526,000 | $ 391,777 | $ 289,444 |
| New Orleans-Metairie, LA | 9 | $ 3,157,000 | $ 350,777 | $ 192,000 |
| Sebastian-Vero Beach, FL | 9 | $ 4,486,000 | $ 498,444 | $ 323,000 |
| Columbus, OH | 8 | $ 3,642,000 | $ 455,250 | $ 218,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 3,114,000 | $ 389,250 | $ 157,000 |
| Flagstaff, AZ | 8 | $ 3,262,000 | $ 407,750 | $ 122,000 |
| Fort Collins, CO | 8 | $ 2,932,000 | $ 366,500 | $ 142,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 1,601,000 | $ 200,125 | $ 114,500 |
| Prescott, AZ | 8 | $ 4,399,000 | $ 549,875 | $ 185,000 |
| Richmond, VA | 8 | $ 3,533,000 | $ 441,625 | $ 123,000 |
| Salisbury, MD-DE | 8 | $ 4,016,000 | $ 502,000 | $ 307,625 |
| Stockton-Lodi, CA | 8 | $ 2,989,000 | $ 373,625 | $ 212,000 |
| Albuquerque, NM | 7 | $ 2,815,000 | $ 402,142 | $ 182,000 |
| Crestview-Fort Walton Beach-Destin, FL | 7 | $ 3,880,000 | $ 554,285 | $ 311,000 |
| Durham-Chapel Hill, NC | 7 | $ 2,785,000 | $ 397,857 | $ 110,000 |
| Port St. Lucie, FL | 7 | $ 3,910,000 | $ 558,571 | $ 204,000 |
| Portland-South Portland, ME | 7 | $ 3,448,000 | $ 492,571 | $ 474,000 |
| Vallejo-Fairfield, CA | 7 | $ 3,609,000 | $ 515,571 | $ 240,000 |
| Camden, NJ | 6 | $ 2,064,000 | $ 344,000 | $ 212,000 |
| Kahului-Wailuku-Lahaina, HI | 6 | $ 3,804,000 | $ 634,000 | $ 451,000 |
| The Villages, FL | 6 | $ 2,887,000 | $ 481,166 | $ 141,000 |
| Wilmington, NC | 6 | $ 3,438,000 | $ 573,000 | $ 358,000 |
| Ann Arbor, MI | 5 | $ 2,086,000 | $ 417,200 | $ 191,000 |
| Bellingham, WA | 5 | $ 1,814,000 | $ 362,800 | $ 159,000 |
| Boise City, ID | 5 | $ 1,945,000 | $ 389,000 | $ 119,000 |
| Colorado Springs, CO | 5 | $ 2,013,000 | $ 402,600 | $ 160,000 |
| Elgin, IL | 5 | $ 2,204,000 | $ 440,800 | $ 201,000 |
| Gainesville, GA | 5 | $ 1,733,000 | $ 346,600 | $ 119,000 |
| Greenville-Anderson-Mauldin, SC | 5 | $ 1,892,000 | $ 378,400 | $ 162,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 3,101,000 | $ 620,200 | $ 778,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 1,424,000 | $ 284,800 | $ 124,000 |
| Memphis, TN-MS-AR | 5 | $ 3,016,000 | $ 603,200 | $ 390,000 |
| New Haven-Milford, CT | 5 | $ 1,339,000 | $ 267,800 | $ 190,000 |
| Punta Gorda, FL | 5 | $ 1,362,000 | $ 272,400 | $ 110,000 |
| Rockingham County-Strafford County, NH | 5 | $ 2,831,000 | $ 566,200 | $ 297,000 |
| Spokane-Spokane Valley, WA | 5 | $ 2,249,000 | $ 449,800 | $ 217,000 |
| Tacoma-Lakewood, WA | 5 | $ 2,433,000 | $ 486,600 | $ 264,000 |
| Trenton, NJ | 5 | $ 2,497,000 | $ 499,400 | $ 300,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 5 | $ 2,540,000 | $ 508,000 | $ 182,000 |
| Akron, OH | 4 | $ 1,196,000 | $ 299,000 | $ 164,000 |
| Brunswick, GA | 4 | $ 1,538,000 | $ 384,500 | $ 134,000 |
| Columbia, SC | 4 | $ 1,495,000 | $ 373,750 | $ 251,000 |
| Daphne-Fairhope-Foley, AL | 4 | $ 1,855,000 | $ 463,750 | $ 209,000 |
| Knoxville, TN | 4 | $ 1,580,000 | $ 395,000 | $ 179,000 |
| Madison, WI | 4 | $ 2,209,000 | $ 552,250 | $ 727,000 |
| Pittsburgh, PA | 4 | $ 2,208,000 | $ 552,000 | $ 295,000 |
| Bakersfield, CA | 3 | $ 1,009,000 | $ 336,333 | $ 188,000 |
| Birmingham-Hoover, AL | 3 | $ 1,290,000 | $ 430,000 | $ 230,000 |
| Burlington-South Burlington, VT | 3 | $ 1,571,000 | $ 523,666 | $ 219,000 |
| Charlottesville, VA | 3 | $ 2,115,000 | $ 705,000 | $ 794,000 |
| Cincinnati, OH-KY-IN | 3 | $ 938,000 | $ 312,666 | $ 227,000 |
| Coeur D'Alene, ID | 3 | $ 1,672,000 | $ 557,333 | $ 259,000 |
| College Station-Bryan, TX | 3 | $ 557,000 | $ 185,666 | $ 97,000 |
| Detroit-Dearborn-Livonia, MI | 3 | $ 1,372,000 | $ 457,333 | $ 403,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,253,000 | $ 417,666 | $ 262,000 |
| Fresno, CA | 3 | $ 1,027,000 | $ 342,333 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 863,000 | $ 287,666 | $ 215,000 |
| Manchester-Nashua, NH | 3 | $ 739,000 | $ 246,333 | $ 124,000 |
| Modesto, CA | 3 | $ 1,919,000 | $ 639,666 | $ 306,000 |
| Norwich-New London, CT | 3 | $ 1,080,000 | $ 360,000 | $ 497,000 |
| Ogden-Clearfield, UT | 3 | $ 871,000 | $ 290,333 | $ 143,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 970,000 | $ 323,333 | $ 133,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,085,000 | $ 361,666 | $ 159,000 |
| Provo-Orem, UT | 3 | $ 863,000 | $ 287,666 | $ 82,000 |
| Savannah, GA | 3 | $ 940,000 | $ 313,333 | $ 126,000 |
| Wenatchee, WA | 3 | $ 622,000 | $ 207,333 | $ 146,000 |
| Winston-Salem, NC | 3 | $ 1,224,000 | $ 408,000 | $ 337,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 784,000 | $ 392,000 | $ 297,000 |
| Columbia, MO | 2 | $ 643,000 | $ 321,500 | $ 172,000 |
| Corpus Christi, TX | 2 | $ 559,000 | $ 279,500 | $ 141,000 |
| Corvallis, OR | 2 | $ 582,000 | $ 291,000 | $ 174,000 |
| Des Moines-West Des Moines, IA | 2 | $ 479,000 | $ 239,500 | $ 253,000 |
| El Paso, TX | 2 | $ 279,000 | $ 139,500 | $ 89,000 |
| Eugene, OR | 2 | $ 494,000 | $ 247,000 | $ 175,000 |
| Gainesville, FL | 2 | $ 311,000 | $ 155,500 | $ 99,000 |
| Greeley, CO | 2 | $ 548,000 | $ 274,000 | $ 193,000 |
| Harrisburg-Carlisle, PA | 2 | $ 589,000 | $ 294,500 | $ 152,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 392,000 | $ 196,000 | $ 70,000 |
| Kingston, NY | 2 | $ 292,000 | $ 146,000 | $ 162,000 |
| Lexington-Fayette, KY | 2 | $ 425,000 | $ 212,500 | $ 268,000 |
| Lynchburg, VA | 2 | $ 922,000 | $ 461,000 | $ 216,000 |
| Niles-Benton Harbor, MI | 2 | $ 1,363,000 | $ 681,500 | $ 387,000 |
| Ocean City, NJ | 2 | $ 2,093,000 | $ 1,046,500 | $ 396,000 |
| Oklahoma City, OK | 2 | $ 1,209,000 | $ 604,500 | $ 446,000 |
| Roanoke, VA | 2 | $ 222,000 | $ 111,000 | $ 99,000 |
| Sheboygan, WI | 2 | $ 1,102,000 | $ 551,000 | $ 362,000 |
| Springfield, MA | 2 | $ 365,000 | $ 182,500 | $ 308,000 |
| St. George, UT | 2 | $ 519,000 | $ 259,500 | $ 125,000 |
| Tulsa, OK | 2 | $ 1,449,000 | $ 724,500 | $ 293,000 |
| Tyler, TX | 2 | $ 940,000 | $ 470,000 | $ 172,000 |
| Wilmington, DE-MD-NJ | 2 | $ 617,000 | $ 308,500 | $ 91,000 |
| Worcester, MA-CT | 2 | $ 1,110,000 | $ 555,000 | $ 351,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 590,000 | $ 590,000 | $ 174,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 245,000 | $ 245,000 | $ 196,000 |
| Anchorage, AK | 1 | $ 715,000 | $ 715,000 | $ 1,632,000 |
| Appleton, WI | 1 | $ 397,000 | $ 397,000 | $ 217,000 |
| Baton Rouge, LA | 1 | $ 334,000 | $ 334,000 | $ 134,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 310,000 | $ 310,000 | $ 131,000 |
| Bloomington, IN | 1 | $ 471,000 | $ 471,000 | $ 191,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 504,000 | $ 504,000 | $ 158,000 |
| Canton-Massillon, OH | 1 | $ 225,000 | $ 225,000 | $ 90,000 |
| Carson City, NV | 1 | $ 449,000 | $ 449,000 | $ 181,000 |
| Chattanooga, TN-GA | 1 | $ 264,000 | $ 264,000 | $ 422,000 |
| Evansville, IN-KY | 1 | $ 630,000 | $ 630,000 | $ 474,000 |
| Glens Falls, NY | 1 | $ 800,000 | $ 800,000 | $ 812,000 |
| Grand Junction, CO | 1 | $ 163,000 | $ 163,000 | $ 90,000 |
| Green Bay, WI | 1 | $ 950,000 | $ 950,000 | $ 463,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 363,000 | $ 363,000 | $ 294,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 418,000 | $ 418,000 | $ 258,000 |
| Ithaca, NY | 1 | $ 208,000 | $ 208,000 | $ 62,000 |
| Kankakee, IL | 1 | $ 94,000 | $ 94,000 | $ 49,000 |
| Kennewick-Richland, WA | 1 | $ 467,000 | $ 467,000 | $ 116,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 150,000 | $ 150,000 | $ 154,000 |
| Lafayette, LA | 1 | $ 89,000 | $ 89,000 | $ 402,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 515,000 | $ 515,000 | $ 119,000 |
| Lakeland-Winter Haven, FL | 1 | $ 229,000 | $ 229,000 | $ 125,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 270,000 | $ 270,000 | $ 93,000 |
| Longview, TX | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| Longview, WA | 1 | $ 354,000 | $ 354,000 | $ 299,000 |
| Medford, OR | 1 | $ 273,000 | $ 273,000 | $ 92,000 |
| Michigan City-La Porte, IN | 1 | $ 1,158,000 | $ 1,158,000 | $ 481,000 |
| Midland, TX | 1 | $ 182,000 | $ 182,000 | $ 110,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 240,000 | $ 240,000 | $ 214,000 |
| Olympia-Tumwater, WA | 1 | $ 500,000 | $ 500,000 | $ 127,000 |
| Panama City, FL | 1 | $ 286,000 | $ 286,000 | $ 387,000 |
| Peoria, IL | 1 | $ 366,000 | $ 366,000 | $ 271,000 |
| Redding, CA | 1 | $ 524,000 | $ 524,000 | $ 180,000 |
| Rochester, MN | 1 | $ 563,000 | $ 563,000 | $ 932,000 |
| Salem, OR | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 222,000 | $ 222,000 | $ 180,000 |
| Springfield, IL | 1 | $ 960,000 | $ 960,000 | $ 1,333,000 |
| State College, PA | 1 | $ 138,000 | $ 138,000 | $ 87,000 |
| Syracuse, NY | 1 | $ 179,000 | $ 179,000 | $ 405,000 |
| Visalia-Porterville, CA | 1 | $ 357,000 | $ 357,000 | $ 172,000 |
| Waco, TX | 1 | $ 159,000 | $ 159,000 | $ 62,000 |
| Yakima, WA | 1 | $ 250,000 | $ 250,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2016
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 | 3,932 | $2,782,650,000 | $707,000 | $5,000,000 | $292,000 | $6,003,000 |
| Home Purchase | 1,321 | $783,007,000 | $592,000 | $4,000,000 | $299,000 | $4,253,000 |
| Home Improvement | 29 | $13,277,000 | $457,000 | $1,100,000 | $191,000 | $507,000 |
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 | 3,368 | $2,244,588,000 | $666,000 | $4,008,000 | $289,000 | $4,253,000 |
| Not Provided | 1,471 | $1,036,406,000 | $704,000 | $5,000,000 | $315,000 | $6,003,000 |
| Asian | 340 | $239,826,000 | $705,000 | $2,511,000 | $264,000 | $1,130,000 |
| Hispanic | 76 | $45,116,000 | $593,000 | $1,730,000 | $233,000 | $1,800,000 |
| Black or African American | 13 | $4,927,000 | $379,000 | $910,000 | $141,000 | $323,000 |
| Native Hawaiin or Other Pacific Islander | 7 | $3,285,000 | $469,000 | $648,000 | $177,000 | $354,000 |
| American Indian or Alaskan Native | 7 | $4,786,000 | $683,000 | $1,073,000 | $174,000 | $371,000 |
| 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) | 5,282 | $3,578,934,000 | $677,000 | $5,000,000 | $293,000 | $6,003,000 |
| 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 | 4,146 | $3,051,523,000 | $736,000 | $5,000,000 | $320,000 | $6,003,000 |
| Loan Purchased By The Institution | 717 | $202,703,000 | $282,000 | $2,760,000 | $159,000 | $2,109,000 |
| Application Denied By Financial Institution | 410 | $318,155,000 | $775,000 | $4,000,000 | $264,000 | $4,176,000 |
| Application Approved But Not Accepted | 9 | $6,553,000 | $728,000 | $1,400,000 | $291,000 | $489,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 183 | $153,118,000 | $836,000 | $3,900,000 | $163,000 | $2,153,000 |
| Collateral | 108 | $67,695,000 | $626,000 | $4,000,000 | $334,000 | $2,000,000 |
| Other | 44 | $46,737,000 | $1,062,000 | $2,730,000 | $505,000 | $4,176,000 |
| Unverifiable Information | 38 | $29,169,000 | $767,000 | $2,600,000 | $268,000 | $1,258,000 |
| Credit History | 25 | $12,602,000 | $504,000 | $1,600,000 | $277,000 | $1,724,000 |
| Credit Application Incomplete | 10 | $5,678,000 | $567,000 | $1,480,000 | $224,000 | $725,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $3,156,000 | $1,578,000 | $2,738,000 | $353,000 | $670,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2016 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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