Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2018
In 2018, Charles Schwab Bank, SSB of Lone Tree, CO reported 6,376 mortgage applications totaling $2.9 billion, up 35% from 2017. The average application was for $447,172, and applicants reported an average income of $242,601. 47% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (348), Oakland-Hayward-Berkeley, CA (335) and San Francisco-Redwood City-South San Francisco, CA (308) (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 | 6,376 |
| Total Mortgage Loan Application Amount | $2,851,170,000 |
| Average Mortgage Loan Application Amount | $447,172 |
| Highest Mortgage Loan Application Amount | $13,505,000 |
| Average Applicant Income | $242,601 |
| Highest Applicant Income | $8,805,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 348 | $ 220,110,000 | $ 632,500 | $ 282,000 |
| Outside any metro area | 341 | $ 143,825,000 | $ 421,774 | $ 267,249 |
| Oakland-Hayward-Berkeley, CA | 335 | $ 156,365,000 | $ 466,761 | $ 244,000 |
| San Francisco-Redwood City-South San Francisco, CA | 308 | $ 205,580,000 | $ 667,467 | $ 329,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 251 | $ 156,775,000 | $ 624,601 | $ 258,000 |
| Denver-Aurora-Lakewood, CO | 248 | $ 101,110,000 | $ 407,701 | $ 202,000 |
| Anaheim-Santa Ana-Irvine, CA | 236 | $ 126,540,000 | $ 536,186 | $ 280,000 |
| San Diego-Carlsbad, CA | 185 | $ 110,415,000 | $ 596,837 | $ 259,000 |
| Phoenix-Mesa-Scottsdale, AZ | 184 | $ 68,400,000 | $ 371,739 | $ 220,000 |
| New York-Jersey City-White Plains, NY-NJ | 166 | $ 87,440,000 | $ 526,746 | $ 331,198 |
| Seattle-Bellevue-Everett, WA | 162 | $ 81,070,000 | $ 500,432 | $ 243,000 |
| Atlanta-Sandy Springs-Roswell, GA | 159 | $ 61,855,000 | $ 389,025 | $ 224,000 |
| Chicago-Naperville-Arlington Heights, IL | 142 | $ 54,260,000 | $ 382,112 | $ 237,000 |
| San Rafael, CA | 119 | $ 67,275,000 | $ 565,336 | $ 267,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 105 | $ 51,705,000 | $ 492,428 | $ 286,457 |
| Sacramento--Roseville--Arden-Arcade, CA | 101 | $ 35,025,000 | $ 346,782 | $ 178,000 |
| Riverside-San Bernardino-Ontario, CA | 98 | $ 33,450,000 | $ 341,326 | $ 214,000 |
| Las Vegas-Henderson-Paradise, NV | 87 | $ 20,725,000 | $ 238,218 | $ 123,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 85 | $ 27,675,000 | $ 325,588 | $ 177,847 |
| Dallas-Plano-Irving, TX | 80 | $ 31,000,000 | $ 387,500 | $ 238,000 |
| Houston-The Woodlands-Sugar Land, TX | 78 | $ 39,240,000 | $ 503,076 | $ 333,000 |
| Reno, NV | 73 | $ 26,055,000 | $ 356,917 | $ 190,000 |
| Austin-Round Rock, TX | 68 | $ 33,450,000 | $ 491,911 | $ 224,000 |
| Bridgeport-Stamford-Norwalk, CT | 68 | $ 45,200,000 | $ 664,705 | $ 359,000 |
| Santa Rosa, CA | 68 | $ 29,720,000 | $ 437,058 | $ 225,000 |
| Newark, NJ-PA | 64 | $ 18,230,000 | $ 284,843 | $ 204,312 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 56 | $ 20,260,000 | $ 361,785 | $ 211,000 |
| Cambridge-Newton-Framingham, MA | 52 | $ 26,980,000 | $ 518,846 | $ 257,000 |
| Charlotte-Concord-Gastonia, NC-SC | 49 | $ 15,505,000 | $ 316,428 | $ 205,877 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 48 | $ 18,520,000 | $ 385,833 | $ 232,000 |
| Santa Maria-Santa Barbara, CA | 46 | $ 31,710,000 | $ 689,347 | $ 265,000 |
| Boston, MA | 45 | $ 24,505,000 | $ 544,555 | $ 247,000 |
| Montgomery County-Bucks County-Chester County, PA | 44 | $ 14,310,000 | $ 325,227 | $ 196,000 |
| St. Louis, MO-IL | 44 | $ 14,030,000 | $ 318,863 | $ 156,000 |
| Tampa-St. Petersburg-Clearwater, FL | 39 | $ 16,085,000 | $ 412,435 | $ 192,000 |
| Nassau County-Suffolk County, NY | 37 | $ 21,445,000 | $ 579,594 | $ 338,000 |
| Cape Coral-Fort Myers, FL | 36 | $ 12,750,000 | $ 354,166 | $ 197,000 |
| Tucson, AZ | 35 | $ 11,095,000 | $ 317,000 | $ 152,000 |
| North Port-Sarasota-Bradenton, FL | 34 | $ 14,280,000 | $ 420,000 | $ 240,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 33 | $ 13,165,000 | $ 398,939 | $ 204,000 |
| Orlando-Kissimmee-Sanford, FL | 33 | $ 13,065,000 | $ 395,909 | $ 201,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 32 | $ 14,820,000 | $ 463,125 | $ 220,000 |
| Warren-Troy-Farmington Hills, MI | 32 | $ 12,250,000 | $ 382,812 | $ 520,000 |
| Silver Spring-Frederick-Rockville, MD | 31 | $ 19,195,000 | $ 619,193 | $ 376,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 30 | $ 12,870,000 | $ 429,000 | $ 194,000 |
| Santa Cruz-Watsonville, CA | 30 | $ 13,730,000 | $ 457,666 | $ 230,000 |
| Indianapolis-Carmel-Anderson, IN | 29 | $ 7,035,000 | $ 242,586 | $ 156,000 |
| Miami-Miami Beach-Kendall, FL | 29 | $ 13,055,000 | $ 450,172 | $ 204,000 |
| Naples-Immokalee-Marco Island, FL | 29 | $ 18,955,000 | $ 653,620 | $ 381,000 |
| Philadelphia, PA | 27 | $ 10,635,000 | $ 393,888 | $ 353,000 |
| Jacksonville, FL | 26 | $ 12,760,000 | $ 490,769 | $ 251,000 |
| Salinas, CA | 26 | $ 13,840,000 | $ 532,307 | $ 402,000 |
| Baltimore-Columbia-Towson, MD | 25 | $ 10,085,000 | $ 403,400 | $ 215,000 |
| Lake County-Kenosha County, IL-WI | 25 | $ 8,475,000 | $ 339,000 | $ 207,080 |
| Boulder, CO | 24 | $ 8,780,000 | $ 365,833 | $ 195,000 |
| Fort Worth-Arlington, TX | 24 | $ 9,400,000 | $ 391,666 | $ 203,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 24 | $ 8,800,000 | $ 366,666 | $ 158,000 |
| Raleigh, NC | 24 | $ 7,590,000 | $ 316,250 | $ 198,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 24 | $ 7,000,000 | $ 291,666 | $ 171,000 |
| Charleston-North Charleston, SC | 22 | $ 9,440,000 | $ 429,090 | $ 220,000 |
| Boise City, ID | 21 | $ 6,445,000 | $ 306,904 | $ 266,000 |
| Napa, CA | 21 | $ 8,435,000 | $ 401,666 | $ 203,000 |
| Providence-Warwick, RI-MA | 21 | $ 7,175,000 | $ 341,666 | $ 250,571 |
| Santa Fe, NM | 21 | $ 8,235,000 | $ 392,142 | $ 179,000 |
| Durham-Chapel Hill, NC | 20 | $ 7,460,000 | $ 373,000 | $ 252,000 |
| Albuquerque, NM | 19 | $ 7,485,000 | $ 393,947 | $ 191,000 |
| Kansas City, MO-KS | 19 | $ 5,235,000 | $ 275,526 | $ 206,315 |
| Prescott, AZ | 19 | $ 6,965,000 | $ 366,578 | $ 150,000 |
| Vallejo-Fairfield, CA | 19 | $ 4,755,000 | $ 250,263 | $ 155,000 |
| Bend-Redmond, OR | 18 | $ 5,140,000 | $ 285,555 | $ 184,000 |
| Cleveland-Elyria, OH | 18 | $ 4,120,000 | $ 228,888 | $ 213,000 |
| Colorado Springs, CO | 17 | $ 5,665,000 | $ 333,235 | $ 181,000 |
| Birmingham-Hoover, AL | 16 | $ 5,630,000 | $ 351,875 | $ 152,000 |
| Bremerton-Silverdale, WA | 16 | $ 8,960,000 | $ 560,000 | $ 280,000 |
| Fort Collins, CO | 14 | $ 3,250,000 | $ 232,142 | $ 116,000 |
| Milwaukee-Waukesha-West Allis, WI | 14 | $ 3,990,000 | $ 285,000 | $ 141,000 |
| Salt Lake City, UT | 14 | $ 4,800,000 | $ 342,857 | $ 234,000 |
| Columbus, OH | 13 | $ 3,685,000 | $ 283,461 | $ 174,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 3,355,000 | $ 258,076 | $ 203,000 |
| New Orleans-Metairie, LA | 13 | $ 4,385,000 | $ 337,307 | $ 164,000 |
| San Antonio-New Braunfels, TX | 13 | $ 4,325,000 | $ 332,692 | $ 205,000 |
| Tacoma-Lakewood, WA | 13 | $ 4,645,000 | $ 357,307 | $ 162,000 |
| Crestview-Fort Walton Beach-Destin, FL | 12 | $ 7,270,000 | $ 605,833 | $ 358,000 |
| Detroit-Dearborn-Livonia, MI | 12 | $ 2,720,000 | $ 226,666 | $ 200,000 |
| Elgin, IL | 12 | $ 2,680,000 | $ 223,333 | $ 145,000 |
| Richmond, VA | 12 | $ 3,060,000 | $ 255,000 | $ 197,000 |
| Urban Honolulu, HI | 12 | $ 6,480,000 | $ 540,000 | $ 207,000 |
| Asheville, NC | 11 | $ 3,335,000 | $ 303,181 | $ 139,000 |
| Barnstable Town, MA | 11 | $ 4,255,000 | $ 386,818 | $ 192,000 |
| Cincinnati, OH-KY-IN | 11 | $ 3,165,000 | $ 287,727 | $ 249,818 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 2,245,000 | $ 204,090 | $ 146,000 |
| Knoxville, TN | 11 | $ 2,625,000 | $ 238,636 | $ 102,000 |
| Pittsburgh, PA | 11 | $ 2,465,000 | $ 224,090 | $ 332,000 |
| Spokane-Spokane Valley, WA | 11 | $ 2,405,000 | $ 218,636 | $ 150,000 |
| Trenton, NJ | 11 | $ 5,625,000 | $ 511,363 | $ 234,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 11 | $ 2,635,000 | $ 239,545 | $ 104,000 |
| Anchorage, AK | 10 | $ 1,900,000 | $ 190,000 | $ 165,000 |
| Greensboro-High Point, NC | 10 | $ 2,720,000 | $ 272,000 | $ 249,000 |
| Memphis, TN-MS-AR | 10 | $ 3,240,000 | $ 324,000 | $ 305,200 |
| Modesto, CA | 10 | $ 2,420,000 | $ 242,000 | $ 194,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 10 | $ 1,300,000 | $ 130,000 | $ 97,800 |
| Port St. Lucie, FL | 10 | $ 3,070,000 | $ 307,000 | $ 183,000 |
| Sebastian-Vero Beach, FL | 10 | $ 6,110,000 | $ 611,000 | $ 501,000 |
| Stockton-Lodi, CA | 10 | $ 1,540,000 | $ 154,000 | $ 137,000 |
| Camden, NJ | 9 | $ 1,935,000 | $ 215,000 | $ 126,000 |
| Salisbury, MD-DE | 9 | $ 4,115,000 | $ 457,222 | $ 250,333 |
| The Villages, FL | 9 | $ 2,315,000 | $ 257,222 | $ 125,000 |
| Ann Arbor, MI | 8 | $ 2,190,000 | $ 273,750 | $ 273,000 |
| Madison, WI | 8 | $ 3,480,000 | $ 435,000 | $ 217,000 |
| Medford, OR | 8 | $ 2,480,000 | $ 310,000 | $ 166,000 |
| New Haven-Milford, CT | 8 | $ 2,190,000 | $ 273,750 | $ 178,000 |
| Portland-South Portland, ME | 8 | $ 2,210,000 | $ 276,250 | $ 166,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,175,000 | $ 167,857 | $ 237,142 |
| Burlington-South Burlington, VT | 7 | $ 1,825,000 | $ 260,714 | $ 206,000 |
| Charlottesville, VA | 7 | $ 1,775,000 | $ 253,571 | $ 88,000 |
| Columbia, SC | 7 | $ 1,945,000 | $ 277,857 | $ 188,000 |
| Flagstaff, AZ | 7 | $ 2,545,000 | $ 363,571 | $ 109,000 |
| Greeley, CO | 7 | $ 1,535,000 | $ 219,285 | $ 108,000 |
| Louisville/Jefferson County, KY-IN | 7 | $ 1,525,000 | $ 217,857 | $ 220,000 |
| Ocean City, NJ | 7 | $ 3,685,000 | $ 526,428 | $ 422,000 |
| Savannah, GA | 7 | $ 635,000 | $ 90,714 | $ 130,000 |
| Worcester, MA-CT | 7 | $ 2,095,000 | $ 299,285 | $ 161,000 |
| Fresno, CA | 6 | $ 1,940,000 | $ 323,333 | $ 213,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 2,250,000 | $ 375,000 | $ 293,000 |
| Greenville-Anderson-Mauldin, SC | 6 | $ 3,140,000 | $ 523,333 | $ 272,000 |
| Kahului-Wailuku-Lahaina, HI | 6 | $ 2,410,000 | $ 401,666 | $ 380,000 |
| Oklahoma City, OK | 6 | $ 2,000,000 | $ 333,333 | $ 151,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 1,480,000 | $ 246,666 | $ 171,000 |
| Tulsa, OK | 6 | $ 1,660,000 | $ 276,666 | $ 163,000 |
| Wilmington, DE-MD-NJ | 6 | $ 1,210,000 | $ 201,666 | $ 131,000 |
| Wilmington, NC | 6 | $ 2,220,000 | $ 370,000 | $ 270,000 |
| Akron, OH | 5 | $ 1,015,000 | $ 203,000 | $ 180,000 |
| Bellingham, WA | 5 | $ 1,105,000 | $ 221,000 | $ 162,000 |
| Coeur D'Alene, ID | 5 | $ 1,935,000 | $ 387,000 | $ 181,000 |
| Eugene, OR | 5 | $ 1,615,000 | $ 323,000 | $ 242,000 |
| Grand Junction, CO | 5 | $ 1,825,000 | $ 365,000 | $ 151,000 |
| Manchester-Nashua, NH | 5 | $ 2,715,000 | $ 543,000 | $ 228,000 |
| Norwich-New London, CT | 5 | $ 535,000 | $ 107,000 | $ 138,000 |
| Rochester, NY | 5 | $ 1,225,000 | $ 245,000 | $ 198,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 1,330,000 | $ 332,500 | $ 190,000 |
| Gainesville, GA | 4 | $ 1,400,000 | $ 350,000 | $ 298,000 |
| Gary, IN | 4 | $ 2,560,000 | $ 640,000 | $ 1,142,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 1,610,000 | $ 402,500 | $ 222,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 2,200,000 | $ 550,000 | $ 184,000 |
| Niles-Benton Harbor, MI | 4 | $ 1,260,000 | $ 315,000 | $ 284,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,630,000 | $ 407,500 | $ 207,000 |
| Salem, OR | 4 | $ 1,460,000 | $ 365,000 | $ 298,000 |
| Tallahassee, FL | 4 | $ 740,000 | $ 185,000 | $ 83,000 |
| Toledo, OH | 4 | $ 530,000 | $ 132,500 | $ 183,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 435,000 | $ 145,000 | $ 131,000 |
| Bakersfield, CA | 3 | $ 1,745,000 | $ 581,666 | $ 210,000 |
| Corvallis, OR | 3 | $ 765,000 | $ 255,000 | $ 121,000 |
| East Stroudsburg, PA | 3 | $ 565,000 | $ 188,333 | $ 175,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 1,875,000 | $ 625,000 | $ 281,000 |
| Harrisburg-Carlisle, PA | 3 | $ 615,000 | $ 205,000 | $ 159,000 |
| Huntsville, AL | 3 | $ 575,000 | $ 191,666 | $ 263,000 |
| Kalamazoo-Portage, MI | 3 | $ 1,145,000 | $ 381,666 | $ 364,000 |
| Kennewick-Richland, WA | 3 | $ 525,000 | $ 175,000 | $ 157,000 |
| Lafayette-West Lafayette, IN | 3 | $ 465,000 | $ 155,000 | $ 203,000 |
| Merced, CA | 3 | $ 385,000 | $ 128,333 | $ 139,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 1,075,000 | $ 358,333 | $ 248,000 |
| Punta Gorda, FL | 3 | $ 1,035,000 | $ 345,000 | $ 127,000 |
| Rockingham County-Strafford County, NH | 3 | $ 735,000 | $ 245,000 | $ 134,000 |
| South Bend-Mishawaka, IN-MI | 3 | $ 685,000 | $ 228,333 | $ 170,000 |
| Spartanburg, SC | 3 | $ 1,665,000 | $ 555,000 | $ 261,000 |
| Winston-Salem, NC | 3 | $ 495,000 | $ 165,000 | $ 152,000 |
| Youngstown-Warren-Boardman, OH-PA | 3 | $ 435,000 | $ 145,000 | $ 69,666 |
| Appleton, WI | 2 | $ 400,000 | $ 200,000 | $ 126,000 |
| Baton Rouge, LA | 2 | $ 220,000 | $ 110,000 | $ 93,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 260,000 | $ 130,000 | $ 124,000 |
| Brunswick, GA | 2 | $ 480,000 | $ 240,000 | $ 85,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 690,000 | $ 345,000 | $ 160,000 |
| Cedar Rapids, IA | 2 | $ 340,000 | $ 170,000 | $ 77,000 |
| Chattanooga, TN-GA | 2 | $ 230,000 | $ 115,000 | $ 65,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 200,000 | $ 100,000 | $ 146,000 |
| Des Moines-West Des Moines, IA | 2 | $ 1,310,000 | $ 655,000 | $ 483,000 |
| Dutchess County-Putnam County, NY | 2 | $ 550,000 | $ 275,000 | $ 203,000 |
| Grants Pass, OR | 2 | $ 370,000 | $ 185,000 | $ 77,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 450,000 | $ 225,000 | $ 80,000 |
| Lafayette, LA | 2 | $ 310,000 | $ 155,000 | $ 192,000 |
| Lansing-East Lansing, MI | 2 | $ 140,000 | $ 70,000 | $ 127,000 |
| Lawrence, KS | 2 | $ 180,000 | $ 90,000 | $ 176,000 |
| Lexington-Fayette, KY | 2 | $ 370,000 | $ 185,000 | $ 378,000 |
| Muncie, IN | 2 | $ 150,000 | $ 75,000 | $ 52,000 |
| New Bern, NC | 2 | $ 520,000 | $ 260,000 | $ 243,000 |
| Ocala, FL | 2 | $ 700,000 | $ 350,000 | $ 181,000 |
| Ogden-Clearfield, UT | 2 | $ 210,000 | $ 105,000 | $ 202,000 |
| Olympia-Tumwater, WA | 2 | $ 1,020,000 | $ 510,000 | $ 113,000 |
| Panama City, FL | 2 | $ 860,000 | $ 430,000 | $ 80,000 |
| Pittsfield, MA | 2 | $ 810,000 | $ 405,000 | $ 233,000 |
| Pueblo, CO | 2 | $ 200,000 | $ 100,000 | $ 34,000 |
| Redding, CA | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| Roanoke, VA | 2 | $ 410,000 | $ 205,000 | $ 156,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 600,000 | $ 300,000 | $ 182,000 |
| Springfield, MO | 2 | $ 230,000 | $ 115,000 | $ 31,000 |
| Tuscaloosa, AL | 2 | $ 530,000 | $ 265,000 | $ 95,000 |
| Tyler, TX | 2 | $ 710,000 | $ 355,000 | $ 190,000 |
| Visalia-Porterville, CA | 2 | $ 500,000 | $ 250,000 | $ 313,000 |
| Wenatchee, WA | 2 | $ 350,000 | $ 175,000 | $ 84,000 |
| Winchester, VA-WV | 2 | $ 250,000 | $ 125,000 | $ 166,000 |
| Ames, IA | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Athens-Clarke County, GA | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Auburn-Opelika, AL | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Bangor, ME | 1 | $ 175,000 | $ 175,000 | $ 230,000 |
| Battle Creek, MI | 1 | $ 305,000 | $ 305,000 | $ 205,000 |
| Bowling Green, KY | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| California-Lexington Park, MD | 1 | $ 635,000 | $ 635,000 | $ 238,000 |
| Carson City, NV | 1 | $ 385,000 | $ 385,000 | $ 91,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Chico, CA | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Cleveland, TN | 1 | $ 115,000 | $ 115,000 | $ 60,000 |
| Columbia, MO | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Corpus Christi, TX | 1 | $ 305,000 | $ 305,000 | $ 414,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 85,000 | $ 85,000 | $ 423,000 |
| Dayton, OH | 1 | $ 55,000 | $ 55,000 | $ 145,000 |
| Decatur, AL | 1 | $ 275,000 | $ 275,000 | $ 124,000 |
| Dothan, AL | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Dover, DE | 1 | $ 635,000 | $ 635,000 | $ 764,000 |
| Dubuque, IA | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| El Paso, TX | 1 | $ 265,000 | $ 265,000 | $ 195,000 |
| Elizabethtown-Fort Knox, KY | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Erie, PA | 1 | $ 135,000 | $ 135,000 | $ 393,000 |
| Fairbanks, AK | 1 | $ 185,000 | $ 185,000 | $ 306,000 |
| Farmington, NM | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Flint, MI | 1 | $ 75,000 | $ 75,000 | $ 158,000 |
| Florence-Muscle Shoals, AL | 1 | $ 75,000 | $ 75,000 | $ 173,000 |
| Fort Wayne, IN | 1 | $ 155,000 | $ 155,000 | $ 340,000 |
| Goldsboro, NC | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Green Bay, WI | 1 | $ 185,000 | $ 185,000 | $ 140,000 |
| Greenville, NC | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 705,000 | $ 705,000 | $ 309,000 |
| Harrisonburg, VA | 1 | $ 55,000 | $ 55,000 | $ 85,000 |
| Ithaca, NY | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Jackson, MI | 1 | $ 175,000 | $ 175,000 | $ 220,000 |
| Jackson, MS | 1 | $ 485,000 | $ 485,000 | $ 120,000 |
| Kingston, NY | 1 | $ 275,000 | $ 275,000 | $ 108,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 105,000 | $ 105,000 | $ 287,000 |
| Lakeland-Winter Haven, FL | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Lancaster, PA | 1 | $ 265,000 | $ 265,000 | $ 64,000 |
| Lebanon, PA | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Lewiston, ID-WA | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Lincoln, NE | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 365,000 | $ 365,000 | $ 340,000 |
| Lynchburg, VA | 1 | $ 285,000 | $ 285,000 | $ 124,000 |
| Madera, CA | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Mansfield, OH | 1 | $ 125,000 | $ 125,000 | $ 121,000 |
| Michigan City-La Porte, IN | 1 | $ 715,000 | $ 715,000 | $ 955,000 |
| Midland, TX | 1 | $ 345,000 | $ 345,000 | $ 151,000 |
| Monroe, MI | 1 | $ 55,000 | $ 55,000 | $ 126,000 |
| Oshkosh-Neenah, WI | 1 | $ 105,000 | $ 105,000 | $ 260,000 |
| Peoria, IL | 1 | $ 255,000 | $ 255,000 | $ 480,000 |
| Provo-Orem, UT | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Racine, WI | 1 | $ 495,000 | $ 495,000 | $ 964,000 |
| Reading, PA | 1 | $ 255,000 | $ 255,000 | $ 230,000 |
| Rochester, MN | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Rockford, IL | 1 | $ 75,000 | $ 75,000 | $ 180,000 |
| Sheboygan, WI | 1 | $ 365,000 | $ 365,000 | $ 143,000 |
| Sherman-Denison, TX | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Shreveport-Bossier City, LA | 1 | $ 185,000 | $ 185,000 | $ 177,000 |
| Springfield, OH | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| St. George, UT | 1 | $ 365,000 | $ 365,000 | $ 188,000 |
| State College, PA | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| Syracuse, NY | 1 | $ 225,000 | $ 225,000 | $ 462,000 |
| Topeka, KS | 1 | $ 195,000 | $ 195,000 | $ 68,000 |
| Warner Robins, GA | 1 | $ 265,000 | $ 265,000 | $ 106,000 |
| Wichita, KS | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| York-Hanover, PA | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2018
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 | 3,692 | $1,475,550,000 | $399,000 | $5,605,000 | $233,000 | $8,805,000 |
| Home Purchase | 2,061 | $1,161,485,000 | $563,000 | $13,505,000 | $273,000 | $6,173,000 |
| Other Purpose | 559 | $200,855,000 | $359,000 | $2,705,000 | $207,000 | $3,039,000 |
| Home Improvement | 55 | $11,555,000 | $210,000 | $995,000 | $141,000 | $641,000 |
| Cash-out Refinancing | 9 | $1,725,000 | $191,000 | $345,000 | $52,000 | $75,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,845 | $1,611,475,000 | $419,000 | $13,505,000 | $234,000 | $8,805,000 |
| Not Provided | 1,990 | $987,970,000 | $496,000 | $5,605,000 | $260,000 | $4,050,000 |
| Asian | 285 | $145,855,000 | $511,000 | $2,465,000 | $249,000 | $1,654,000 |
| Hispanic | 108 | $41,450,000 | $383,000 | $2,525,000 | $223,000 | $1,754,000 |
| Black or African American | 38 | $10,350,000 | $272,000 | $1,725,000 | $169,000 | $476,000 |
| American Indian or Alaskan Native | 9 | $3,535,000 | $392,000 | $695,000 | $229,000 | $568,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,655,000 | $531,000 | $1,345,000 | $199,000 | $504,000 |
| 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) | 6,376 | $2,851,170,000 | $447,000 | $13,505,000 | $243,000 | $8,805,000 |
| 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 | 3,001 | $1,856,555,000 | $618,000 | $13,505,000 | $300,000 | $8,805,000 |
| Loan Purchased By The Institution | 2,909 | $645,835,000 | $222,000 | $1,255,000 | $176,000 | $1,500,000 |
| Application Denied By Financial Institution | 415 | $317,675,000 | $765,000 | $5,605,000 | $290,000 | $4,050,000 |
| Application Approved But Not Accepted | 39 | $19,575,000 | $501,000 | $1,085,000 | $240,000 | $2,156,000 |
| Application Withdrawn By Applicant | 8 | $6,180,000 | $772,000 | $1,475,000 | $199,000 | $352,000 |
| Preapproval Denied by Financial Institution | 4 | $5,350,000 | $1,337,000 | $3,005,000 | $422,000 | $1,305,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 5,957 | $2,528,145,000 | $424,000 | $13,505,000 | $239,000 | $8,805,000 |
| Debt-To-Income Ratio | 180 | $141,630,000 | $786,000 | $5,605,000 | $192,000 | $1,756,000 |
| Other | 114 | $93,850,000 | $823,000 | $5,005,000 | $396,000 | $4,050,000 |
| Unverifiable Information | 72 | $48,410,000 | $672,000 | $3,105,000 | $290,000 | $2,402,000 |
| Collateral | 41 | $32,825,000 | $800,000 | $2,825,000 | $421,000 | $1,582,000 |
| Credit History | 10 | $5,680,000 | $568,000 | $2,345,000 | $378,000 | $750,000 |
| Employment History | 2 | $630,000 | $315,000 | $425,000 | $139,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2018 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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