Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2020
In 2020, Charles Schwab Bank, SSB of Lone Tree, CO reported 15,787 mortgage applications totaling $9.7 billion, up 62% from 2019. The average application was for $614,433, and applicants reported an average income of $306,205. 54% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Oakland-Hayward-Berkeley, CA (986), San Francisco-Redwood City-South San Francisco, CA (954) and Los Angeles-Long Beach-Glendale, CA (946) (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 | 15,787 |
| Total Mortgage Loan Application Amount | $9,700,065,000 |
| Average Mortgage Loan Application Amount | $614,433 |
| Highest Mortgage Loan Application Amount | $14,005,000 |
| Average Applicant Income | $306,205 |
| Highest Applicant Income | $7,782,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 986 | $ 641,660,000 | $ 650,770 | $ 282,000 |
| San Francisco-Redwood City-South San Francisco, CA | 954 | $ 799,720,000 | $ 838,280 | $ 385,000 |
| Los Angeles-Long Beach-Glendale, CA | 946 | $ 758,830,000 | $ 802,145 | $ 373,000 |
| Outside any metro area | 868 | $ 518,410,000 | $ 597,246 | $ 315,309 |
| San Jose-Sunnyvale-Santa Clara, CA | 772 | $ 595,120,000 | $ 770,880 | $ 332,000 |
| Anaheim-Santa Ana-Irvine, CA | 639 | $ 440,705,000 | $ 689,679 | $ 297,000 |
| San Diego-Carlsbad, CA | 597 | $ 412,595,000 | $ 691,113 | $ 306,000 |
| Seattle-Bellevue-Everett, WA | 541 | $ 387,505,000 | $ 716,275 | $ 328,000 |
| Denver-Aurora-Lakewood, CO | 486 | $ 253,650,000 | $ 521,913 | $ 242,000 |
| Phoenix-Mesa-Scottsdale, AZ | 486 | $ 250,310,000 | $ 515,041 | $ 265,000 |
| Chicago-Naperville, IL | 416 | $ 222,160,000 | $ 534,038 | $ 319,000 |
| San Rafael, CA | 325 | $ 241,325,000 | $ 742,538 | $ 315,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 314 | $ 192,690,000 | $ 613,662 | $ 378,589 |
| Atlanta-Sandy Springs-Roswell, GA | 296 | $ 148,720,000 | $ 502,432 | $ 271,000 |
| New York-Jersey City-White Plains, NY-NJ | 290 | $ 184,980,000 | $ 637,862 | $ 381,510 |
| Sacramento--Roseville--Arden-Arcade, CA | 221 | $ 104,135,000 | $ 471,199 | $ 304,000 |
| Riverside-San Bernardino-Ontario, CA | 201 | $ 96,805,000 | $ 481,616 | $ 241,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 189 | $ 90,625,000 | $ 479,497 | $ 221,904 |
| Santa Rosa, CA | 182 | $ 103,300,000 | $ 567,582 | $ 273,000 |
| Dallas-Plano-Irving, TX | 176 | $ 107,410,000 | $ 610,284 | $ 363,000 |
| Bridgeport-Stamford-Norwalk, CT | 168 | $ 126,680,000 | $ 754,047 | $ 410,000 |
| Houston-The Woodlands-Sugar Land, TX | 163 | $ 95,435,000 | $ 585,490 | $ 338,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 158 | $ 71,900,000 | $ 455,063 | $ 254,936 |
| Cambridge-Newton-Framingham, MA | 152 | $ 100,360,000 | $ 660,263 | $ 365,000 |
| Las Vegas-Henderson-Paradise, NV | 126 | $ 66,720,000 | $ 529,523 | $ 249,000 |
| Austin-Round Rock, TX | 125 | $ 69,365,000 | $ 554,920 | $ 298,000 |
| New York-Newark, NY | 123 | $ 62,715,000 | $ 509,878 | $ 309,869 |
| Washington-Baltimore-Arlington, DC | 122 | $ 69,040,000 | $ 565,901 | $ 326,000 |
| Charlotte-Concord-Gastonia, NC-SC | 119 | $ 62,085,000 | $ 521,722 | $ 277,857 |
| Newark, NJ-PA | 119 | $ 62,035,000 | $ 521,302 | $ 316,504 |
| Santa Maria-Santa Barbara, CA | 115 | $ 101,965,000 | $ 886,652 | $ 339,000 |
| Montgomery County-Bucks County-Chester County, PA | 111 | $ 60,355,000 | $ 543,738 | $ 310,000 |
| Boston, MA | 107 | $ 75,625,000 | $ 706,775 | $ 338,000 |
| Reno, NV | 106 | $ 58,700,000 | $ 553,773 | $ 245,000 |
| Boulder, CO | 105 | $ 63,675,000 | $ 606,428 | $ 286,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 105 | $ 67,535,000 | $ 643,190 | $ 319,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 102 | $ 61,750,000 | $ 605,392 | $ 235,000 |
| Tampa-St. Petersburg-Clearwater, FL | 92 | $ 51,710,000 | $ 562,065 | $ 317,000 |
| Baltimore-Columbia-Towson, MD | 91 | $ 43,725,000 | $ 480,494 | $ 272,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 91 | $ 58,985,000 | $ 648,186 | $ 264,000 |
| Warren-Troy-Farmington Hills, MI | 91 | $ 43,245,000 | $ 475,219 | $ 334,000 |
| North Port-Sarasota-Bradenton, FL | 89 | $ 50,785,000 | $ 570,617 | $ 271,000 |
| Naples-Immokalee-Marco Island, FL | 88 | $ 65,950,000 | $ 749,431 | $ 456,000 |
| Salinas, CA | 87 | $ 66,055,000 | $ 759,252 | $ 364,000 |
| Santa Cruz-Watsonville, CA | 79 | $ 51,795,000 | $ 655,632 | $ 283,000 |
| Cape Coral-Fort Myers, FL | 74 | $ 38,770,000 | $ 523,918 | $ 309,000 |
| Lake County-Kenosha County, IL-WI | 71 | $ 32,815,000 | $ 462,183 | $ 309,070 |
| Nassau County-Suffolk County, NY | 71 | $ 51,895,000 | $ 730,915 | $ 436,000 |
| Philadelphia, PA | 67 | $ 36,205,000 | $ 540,373 | $ 332,000 |
| Miami-Miami Beach-Kendall, FL | 65 | $ 56,955,000 | $ 876,230 | $ 511,000 |
| St. Louis, MO-IL | 65 | $ 26,675,000 | $ 410,384 | $ 253,323 |
| Orlando-Kissimmee-Sanford, FL | 64 | $ 33,790,000 | $ 527,968 | $ 277,000 |
| Charleston-North Charleston, SC | 63 | $ 44,225,000 | $ 701,984 | $ 244,000 |
| Fort Worth-Arlington, TX | 60 | $ 32,580,000 | $ 543,000 | $ 354,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 58 | $ 31,340,000 | $ 540,344 | $ 312,000 |
| Jacksonville, FL | 57 | $ 29,795,000 | $ 522,719 | $ 260,000 |
| Milwaukee-Waukesha-West Allis, WI | 54 | $ 27,660,000 | $ 512,222 | $ 321,000 |
| Raleigh, NC | 53 | $ 22,685,000 | $ 428,018 | $ 263,000 |
| Indianapolis-Carmel-Anderson, IN | 51 | $ 16,305,000 | $ 319,705 | $ 303,000 |
| Boise City, ID | 50 | $ 22,880,000 | $ 457,600 | $ 185,000 |
| Bend-Redmond, OR | 46 | $ 21,410,000 | $ 465,434 | $ 213,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 46 | $ 21,740,000 | $ 472,608 | $ 216,000 |
| Richmond, VA | 43 | $ 18,825,000 | $ 437,790 | $ 259,000 |
| Bremerton-Silverdale, WA | 42 | $ 25,730,000 | $ 612,619 | $ 239,000 |
| Providence-Warwick, RI-MA | 42 | $ 25,320,000 | $ 602,857 | $ 307,714 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 42 | $ 23,050,000 | $ 548,809 | $ 222,000 |
| Kansas City, MO-KS | 41 | $ 15,955,000 | $ 389,146 | $ 248,365 |
| Santa Fe, NM | 41 | $ 20,785,000 | $ 506,951 | $ 196,000 |
| Urban Honolulu, HI | 40 | $ 31,520,000 | $ 788,000 | $ 392,000 |
| Barnstable Town, MA | 35 | $ 22,055,000 | $ 630,142 | $ 364,000 |
| Cleveland-Elyria, OH | 35 | $ 15,595,000 | $ 445,571 | $ 301,000 |
| Napa, CA | 35 | $ 24,285,000 | $ 693,857 | $ 316,000 |
| Cincinnati, OH-KY-IN | 34 | $ 12,460,000 | $ 366,470 | $ 194,352 |
| Durham-Chapel Hill, NC | 34 | $ 13,990,000 | $ 411,470 | $ 279,000 |
| Colorado Springs, CO | 33 | $ 12,425,000 | $ 376,515 | $ 179,000 |
| Columbus, OH | 32 | $ 13,150,000 | $ 410,937 | $ 297,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 32 | $ 11,600,000 | $ 362,500 | $ 189,250 |
| Tucson, AZ | 30 | $ 11,790,000 | $ 393,000 | $ 202,000 |
| Ann Arbor, MI | 28 | $ 13,480,000 | $ 481,428 | $ 347,000 |
| Pittsburgh, PA | 28 | $ 12,160,000 | $ 434,285 | $ 278,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 27 | $ 10,855,000 | $ 402,037 | $ 235,962 |
| Fort Collins, CO | 26 | $ 8,840,000 | $ 340,000 | $ 157,000 |
| Crestview-Fort Walton Beach-Destin, FL | 25 | $ 14,525,000 | $ 581,000 | $ 539,000 |
| Asheville, NC | 24 | $ 11,120,000 | $ 463,333 | $ 272,000 |
| Prescott Valley-Prescott, AZ | 24 | $ 9,920,000 | $ 413,333 | $ 141,000 |
| Salisbury, MD-DE | 24 | $ 14,520,000 | $ 605,000 | $ 267,500 |
| Salt Lake City, UT | 24 | $ 10,770,000 | $ 448,750 | $ 322,000 |
| San Antonio-New Braunfels, TX | 24 | $ 8,710,000 | $ 362,916 | $ 221,000 |
| Vallejo-Fairfield, CA | 24 | $ 9,060,000 | $ 377,500 | $ 186,000 |
| Greenville-Anderson-Mauldin, SC | 23 | $ 9,195,000 | $ 399,782 | $ 206,000 |
| Tacoma-Lakewood, WA | 23 | $ 12,905,000 | $ 561,086 | $ 232,000 |
| Wilmington, DE-MD-NJ | 23 | $ 7,135,000 | $ 310,217 | $ 176,521 |
| Detroit-Dearborn-Livonia, MI | 22 | $ 10,520,000 | $ 478,181 | $ 265,000 |
| Port St. Lucie, FL | 22 | $ 16,200,000 | $ 736,363 | $ 287,000 |
| Rockingham County-Strafford County, NH | 22 | $ 12,260,000 | $ 557,272 | $ 339,000 |
| Birmingham-Hoover, AL | 21 | $ 8,315,000 | $ 395,952 | $ 189,000 |
| Louisville/Jefferson County, KY-IN | 21 | $ 9,005,000 | $ 428,809 | $ 243,619 |
| Ocean City, NJ | 21 | $ 16,175,000 | $ 770,238 | $ 450,000 |
| Trenton, NJ | 21 | $ 9,465,000 | $ 450,714 | $ 279,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 20 | $ 6,640,000 | $ 332,000 | $ 158,000 |
| Hartford-West Hartford-East Hartford, CT | 19 | $ 5,925,000 | $ 311,842 | $ 201,000 |
| Albuquerque, NM | 17 | $ 8,235,000 | $ 484,411 | $ 286,000 |
| Bellingham, WA | 16 | $ 7,280,000 | $ 455,000 | $ 241,000 |
| Elgin, IL | 16 | $ 4,750,000 | $ 296,875 | $ 214,000 |
| Portland-South Portland, ME | 16 | $ 6,580,000 | $ 411,250 | $ 238,000 |
| Fresno, CA | 15 | $ 5,765,000 | $ 384,333 | $ 263,000 |
| Grand Rapids-Wyoming, MI | 15 | $ 5,225,000 | $ 348,333 | $ 325,000 |
| Knoxville, TN | 15 | $ 5,145,000 | $ 343,000 | $ 203,000 |
| Sebastian-Vero Beach, FL | 15 | $ 10,785,000 | $ 719,000 | $ 329,000 |
| The Villages, FL | 15 | $ 4,145,000 | $ 276,333 | $ 115,000 |
| Charlottesville, VA | 14 | $ 7,950,000 | $ 567,857 | $ 322,000 |
| Coeur D'Alene, ID | 14 | $ 4,700,000 | $ 335,714 | $ 141,000 |
| New Haven-Milford, CT | 14 | $ 4,590,000 | $ 327,857 | $ 217,000 |
| Stockton-Lodi, CA | 14 | $ 4,320,000 | $ 308,571 | $ 206,000 |
| Wilmington, NC | 14 | $ 5,570,000 | $ 397,857 | $ 219,000 |
| Harrisburg-Carlisle, PA | 13 | $ 2,875,000 | $ 221,153 | $ 104,000 |
| Memphis, TN-MS-AR | 13 | $ 5,065,000 | $ 389,615 | $ 240,923 |
| New Orleans-Metairie, LA | 13 | $ 5,445,000 | $ 418,846 | $ 199,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 12 | $ 3,460,000 | $ 288,333 | $ 231,333 |
| Atlantic City-Hammonton, NJ | 12 | $ 6,610,000 | $ 550,833 | $ 307,000 |
| Greensboro-High Point, NC | 12 | $ 5,210,000 | $ 434,166 | $ 376,000 |
| Madison, WI | 12 | $ 4,080,000 | $ 340,000 | $ 188,000 |
| Bakersfield, CA | 11 | $ 4,195,000 | $ 381,363 | $ 196,000 |
| Camden, NJ | 11 | $ 2,755,000 | $ 250,454 | $ 181,000 |
| Fort Wayne, IN | 11 | $ 1,985,000 | $ 180,454 | $ 137,000 |
| Gainesville, GA | 11 | $ 5,245,000 | $ 476,818 | $ 175,000 |
| Punta Gorda, FL | 11 | $ 4,485,000 | $ 407,727 | $ 219,000 |
| Savannah, GA | 11 | $ 3,105,000 | $ 282,272 | $ 136,000 |
| Spokane-Spokane Valley, WA | 11 | $ 3,495,000 | $ 317,727 | $ 270,000 |
| Tulsa, OK | 11 | $ 2,865,000 | $ 260,454 | $ 140,000 |
| Akron, OH | 10 | $ 2,410,000 | $ 241,000 | $ 146,000 |
| Medford, OR | 10 | $ 3,890,000 | $ 389,000 | $ 150,000 |
| Olympia-Tumwater, WA | 10 | $ 3,210,000 | $ 321,000 | $ 123,000 |
| Omaha-Council Bluffs, NE-IA | 10 | $ 3,400,000 | $ 340,000 | $ 172,000 |
| Worcester, MA-CT | 10 | $ 4,980,000 | $ 498,000 | $ 285,000 |
| Anchorage, AK | 9 | $ 2,285,000 | $ 253,888 | $ 175,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 1,915,000 | $ 212,777 | $ 145,000 |
| Eugene, OR | 9 | $ 2,265,000 | $ 251,666 | $ 153,000 |
| Kahului-Wailuku-Lahaina, HI | 9 | $ 5,585,000 | $ 620,555 | $ 241,000 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 3,555,000 | $ 395,000 | $ 204,000 |
| Manchester-Nashua, NH | 9 | $ 3,005,000 | $ 333,888 | $ 224,000 |
| Modesto, CA | 9 | $ 2,715,000 | $ 301,666 | $ 178,000 |
| Niles-Benton Harbor, MI | 9 | $ 5,505,000 | $ 611,666 | $ 485,000 |
| Oklahoma City, OK | 9 | $ 3,855,000 | $ 428,333 | $ 183,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 2,270,000 | $ 283,750 | $ 164,000 |
| Pittsfield, MA | 8 | $ 3,430,000 | $ 428,750 | $ 270,000 |
| St. George, UT | 8 | $ 5,090,000 | $ 636,250 | $ 384,000 |
| Wenatchee, WA | 8 | $ 2,620,000 | $ 327,500 | $ 212,000 |
| Brunswick, GA | 7 | $ 5,115,000 | $ 730,714 | $ 928,000 |
| Chattanooga, TN-GA | 7 | $ 1,425,000 | $ 203,571 | $ 113,857 |
| Chico, CA | 7 | $ 3,045,000 | $ 435,000 | $ 263,000 |
| Columbia, SC | 7 | $ 2,255,000 | $ 322,142 | $ 224,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 3,645,000 | $ 520,714 | $ 262,000 |
| Flagstaff, AZ | 7 | $ 4,215,000 | $ 602,142 | $ 290,000 |
| Lexington-Fayette, KY | 7 | $ 2,685,000 | $ 383,571 | $ 255,000 |
| Ogden-Clearfield, UT | 7 | $ 3,265,000 | $ 466,428 | $ 366,000 |
| Salem, OR | 7 | $ 1,625,000 | $ 232,142 | $ 186,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 1,610,000 | $ 268,333 | $ 131,666 |
| Burlington-South Burlington, VT | 6 | $ 2,530,000 | $ 421,666 | $ 259,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,780,000 | $ 296,666 | $ 187,000 |
| Des Moines-West Des Moines, IA | 6 | $ 2,240,000 | $ 373,333 | $ 193,000 |
| Grand Junction, CO | 6 | $ 2,110,000 | $ 351,666 | $ 130,000 |
| Greeley, CO | 6 | $ 1,920,000 | $ 320,000 | $ 146,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 2,690,000 | $ 448,333 | $ 180,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 3,860,000 | $ 643,333 | $ 261,000 |
| Wichita, KS | 6 | $ 1,760,000 | $ 293,333 | $ 203,000 |
| Winston-Salem, NC | 6 | $ 2,220,000 | $ 370,000 | $ 316,000 |
| Albany-Schenectady-Troy, NY | 5 | $ 2,215,000 | $ 443,000 | $ 357,000 |
| Baton Rouge, LA | 5 | $ 1,365,000 | $ 273,000 | $ 195,000 |
| Canton-Massillon, OH | 5 | $ 585,000 | $ 117,000 | $ 107,000 |
| Charleston, WV | 5 | $ 735,000 | $ 147,000 | $ 264,000 |
| Corpus Christi, TX | 5 | $ 2,125,000 | $ 425,000 | $ 452,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 1,495,000 | $ 299,000 | $ 160,000 |
| Springfield, MA | 5 | $ 1,355,000 | $ 271,000 | $ 157,000 |
| State College, PA | 5 | $ 1,175,000 | $ 235,000 | $ 82,000 |
| Flint, MI | 4 | $ 1,580,000 | $ 395,000 | $ 345,000 |
| Homosassa Springs, FL | 4 | $ 500,000 | $ 125,000 | $ 88,000 |
| Jackson, MS | 4 | $ 990,000 | $ 247,500 | $ 150,000 |
| Lakeland-Winter Haven, FL | 4 | $ 1,090,000 | $ 272,500 | $ 181,000 |
| Lansing-East Lansing, MI | 4 | $ 900,000 | $ 225,000 | $ 303,000 |
| Norwich-New London, CT | 4 | $ 900,000 | $ 225,000 | $ 114,000 |
| Ocala, FL | 4 | $ 700,000 | $ 175,000 | $ 266,000 |
| Provo-Orem, UT | 4 | $ 1,950,000 | $ 487,500 | $ 183,000 |
| Rochester, NY | 4 | $ 980,000 | $ 245,000 | $ 170,000 |
| Auburn-Opelika, AL | 3 | $ 695,000 | $ 231,666 | $ 121,000 |
| Gary, IN | 3 | $ 965,000 | $ 321,666 | $ 222,000 |
| Huntsville, AL | 3 | $ 425,000 | $ 141,666 | $ 182,000 |
| Killeen-Temple, TX | 3 | $ 405,000 | $ 135,000 | $ 98,000 |
| Kingston, NY | 3 | $ 755,000 | $ 251,666 | $ 157,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 355,000 | $ 118,333 | $ 198,000 |
| Lancaster, PA | 3 | $ 1,025,000 | $ 341,666 | $ 254,000 |
| Las Cruces, NM | 3 | $ 925,000 | $ 308,333 | $ 49,000 |
| Lynchburg, VA | 3 | $ 755,000 | $ 251,666 | $ 134,000 |
| Michigan City-La Porte, IN | 3 | $ 2,085,000 | $ 695,000 | $ 232,000 |
| Midland, TX | 3 | $ 1,345,000 | $ 448,333 | $ 222,000 |
| Missoula, MT | 3 | $ 845,000 | $ 281,666 | $ 160,000 |
| Tallahassee, FL | 3 | $ 935,000 | $ 311,666 | $ 151,000 |
| Toledo, OH | 3 | $ 505,000 | $ 168,333 | $ 88,000 |
| Amarillo, TX | 2 | $ 410,000 | $ 205,000 | $ 139,000 |
| Athens-Clarke County, GA | 2 | $ 660,000 | $ 330,000 | $ 166,000 |
| Bloomington, IN | 2 | $ 530,000 | $ 265,000 | $ 326,000 |
| California-Lexington Park, MD | 2 | $ 650,000 | $ 325,000 | $ 156,000 |
| Carson City, NV | 2 | $ 230,000 | $ 115,000 | $ 269,000 |
| Gettysburg, PA | 2 | $ 450,000 | $ 225,000 | $ 172,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 1,510,000 | $ 755,000 | $ 259,000 |
| Jackson, MI | 2 | $ 250,000 | $ 125,000 | $ 42,000 |
| Jonesboro, AR | 2 | $ 450,000 | $ 225,000 | $ 532,000 |
| Kalamazoo-Portage, MI | 2 | $ 330,000 | $ 165,000 | $ 111,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 130,000 | $ 65,000 | $ 49,000 |
| Morristown, TN | 2 | $ 900,000 | $ 450,000 | $ 104,000 |
| New Bern, NC | 2 | $ 660,000 | $ 330,000 | $ 114,000 |
| Racine, WI | 2 | $ 610,000 | $ 305,000 | $ 179,000 |
| Rapid City, SD | 2 | $ 550,000 | $ 275,000 | $ 183,000 |
| Reading, PA | 2 | $ 1,140,000 | $ 570,000 | $ 352,000 |
| Roanoke, VA | 2 | $ 560,000 | $ 280,000 | $ 123,000 |
| Saginaw, MI | 2 | $ 620,000 | $ 310,000 | $ 325,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 280,000 | $ 140,000 | $ 21,000 |
| Sherman-Denison, TX | 2 | $ 230,000 | $ 115,000 | $ 205,000 |
| Spartanburg, SC | 2 | $ 1,770,000 | $ 885,000 | $ 592,000 |
| Staunton-Waynesboro, VA | 2 | $ 280,000 | $ 140,000 | $ 204,000 |
| Sumter, SC | 2 | $ 380,000 | $ 190,000 | $ 81,000 |
| Syracuse, NY | 2 | $ 3,160,000 | $ 1,580,000 | $ 722,000 |
| Tuscaloosa, AL | 2 | $ 990,000 | $ 495,000 | $ 222,000 |
| Tyler, TX | 2 | $ 390,000 | $ 195,000 | $ 302,000 |
| Visalia-Porterville, CA | 2 | $ 300,000 | $ 150,000 | $ 107,000 |
| Walla Walla, WA | 2 | $ 2,170,000 | $ 1,085,000 | $ 206,000 |
| Yakima, WA | 2 | $ 420,000 | $ 210,000 | $ 153,000 |
| Appleton, WI | 1 | $ 315,000 | $ 315,000 | $ 134,000 |
| Bangor, ME | 1 | $ 305,000 | $ 305,000 | $ 255,000 |
| Beaumont-Port Arthur, TX | 1 | $ 415,000 | $ 415,000 | $ 447,000 |
| Billings, MT | 1 | $ 175,000 | $ 175,000 | $ 38,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 265,000 | $ 265,000 | $ 291,000 |
| Bowling Green, KY | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 145,000 | $ 145,000 | $ 197,000 |
| Burlington, NC | 1 | $ 375,000 | $ 375,000 | $ 164,000 |
| Champaign-Urbana, IL | 1 | $ 95,000 | $ 95,000 | $ 232,000 |
| College Station-Bryan, TX | 1 | $ 765,000 | $ 765,000 | $ 550,000 |
| Columbus, GA-AL | 1 | $ 155,000 | $ 155,000 | $ 327,000 |
| Corvallis, OR | 1 | $ 255,000 | $ 255,000 | $ 131,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 185,000 | $ 185,000 | $ 167,000 |
| Dothan, AL | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| East Stroudsburg, PA | 1 | $ 545,000 | $ 545,000 | $ 403,000 |
| Eau Claire, WI | 1 | $ 255,000 | $ 255,000 | $ 94,000 |
| El Centro, CA | 1 | $ 255,000 | $ 255,000 | $ 285,000 |
| Elkhart-Goshen, IN | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Fayetteville, NC | 1 | $ 255,000 | $ 255,000 | $ 288,000 |
| Florence-Muscle Shoals, AL | 1 | $ 175,000 | $ 175,000 | $ 205,000 |
| Gainesville, FL | 1 | $ 795,000 | $ 795,000 | $ 412,000 |
| Glens Falls, NY | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Grand Forks, ND-MN | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
| Grants Pass, OR | 1 | $ 285,000 | $ 285,000 | $ 143,000 |
| Green Bay, WI | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Hot Springs, AR | 1 | $ 105,000 | $ 105,000 | $ 146,000 |
| Houma-Thibodaux, LA | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Idaho Falls, ID | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Ithaca, NY | 1 | $ 255,000 | $ 255,000 | $ 136,000 |
| Kennewick-Richland, WA | 1 | $ 295,000 | $ 295,000 | $ 88,000 |
| Lafayette, LA | 1 | $ 255,000 | $ 255,000 | $ 250,000 |
| Lafayette-West Lafayette, IN | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Lawrence, KS | 1 | $ 225,000 | $ 225,000 | $ 97,000 |
| Lewiston-Auburn, ME | 1 | $ 435,000 | $ 435,000 | $ 163,000 |
| Lima, OH | 1 | $ 145,000 | $ 145,000 | $ 113,000 |
| Lincoln, NE | 1 | $ 185,000 | $ 185,000 | $ 111,000 |
| Longview, WA | 1 | $ 335,000 | $ 335,000 | $ 62,000 |
| Macon-Bibb County, GA | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Mankato-North Mankato, MN | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Merced, CA | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Mobile, AL | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Monroe, LA | 1 | $ 105,000 | $ 105,000 | $ 186,000 |
| Oshkosh-Neenah, WI | 1 | $ 545,000 | $ 545,000 | $ 267,000 |
| Peoria, IL | 1 | $ 975,000 | $ 975,000 | $ 527,000 |
| Pocatello, ID | 1 | $ 185,000 | $ 185,000 | $ 148,000 |
| Pueblo, CO | 1 | $ 1,865,000 | $ 1,865,000 | $ 64,000 |
| Redding, CA | 1 | $ 405,000 | $ 405,000 | $ 133,000 |
| Rochester, MN | 1 | $ 165,000 | $ 165,000 | $ 711,000 |
| Rome, GA | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Shreveport-Bossier City, LA | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 105,000 | $ 105,000 | $ 172,000 |
| Springfield, IL | 1 | $ 675,000 | $ 675,000 | $ 493,000 |
| Springfield, MO | 1 | $ 1,085,000 | $ 1,085,000 | $ 1,336,000 |
| St. Cloud, MN | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Texarkana, TX-AR | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Vineland-Bridgeton, NJ | 1 | $ 655,000 | $ 655,000 | $ 121,000 |
| Waco, TX | 1 | $ 645,000 | $ 645,000 | $ 361,000 |
| Warner Robins, GA | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Williamsport, PA | 1 | $ 175,000 | $ 175,000 | $ 138,000 |
| Winchester, VA-WV | 1 | $ 105,000 | $ 105,000 | $ 262,000 |
| York-Hanover, PA | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Yuba City, CA | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Yuma, AZ | 1 | $ 195,000 | $ 195,000 | $ 403,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2020
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 | 8,862 | $5,919,110,000 | $667,000 | $14,005,000 | $323,000 | $7,782,000 |
| Cash-out Refinancing | 4,021 | $1,856,845,000 | $461,000 | $9,105,000 | $267,000 | $5,279,000 |
| Home Purchase | 2,017 | $1,487,895,000 | $737,000 | $10,005,000 | $326,000 | $4,848,000 |
| Other Purpose | 605 | $344,545,000 | $569,000 | $10,005,000 | $308,000 | $4,439,000 |
| Home Improvement | 282 | $91,670,000 | $325,000 | $3,165,000 | $192,000 | $1,633,000 |
| 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 | 8,320 | $4,909,710,000 | $590,000 | $9,325,000 | $299,000 | $7,620,000 |
| Not Provided | 6,269 | $4,007,865,000 | $639,000 | $14,005,000 | $315,000 | $7,782,000 |
| Asian | 738 | $512,620,000 | $694,000 | $4,005,000 | $334,000 | $4,848,000 |
| Hispanic | 192 | $105,650,000 | $550,000 | $2,305,000 | $282,000 | $2,552,000 |
| Black or African American | 89 | $44,265,000 | $497,000 | $1,975,000 | $265,000 | $897,000 |
| American Indian or Alaskan Native | 18 | $10,300,000 | $572,000 | $2,075,000 | $231,000 | $611,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $3,635,000 | $727,000 | $1,605,000 | $318,000 | $516,000 |
| 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) | 15,787 | $9,700,065,000 | $614,000 | $14,005,000 | $307,000 | $7,782,000 |
| 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 | 8,602 | $6,972,640,000 | $810,000 | $14,005,000 | $376,000 | $7,782,000 |
| Loan Purchased By The Institution | 6,624 | $2,218,560,000 | $334,000 | $1,505,000 | $215,000 | $4,142,000 |
| Application Denied By Financial Institution | 375 | $347,505,000 | $926,000 | $3,055,000 | $318,000 | $5,767,000 |
| Application Approved But Not Accepted | 168 | $139,800,000 | $832,000 | $9,325,000 | $374,000 | $5,696,000 |
| Preapproval Denied by Financial Institution | 15 | $16,805,000 | $1,120,000 | $1,875,000 | $287,000 | $827,000 |
| Preapproval Approved but not Accepted | 3 | $4,755,000 | $1,585,000 | $2,255,000 | $296,000 | $583,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 15,397 | $9,335,755,000 | $606,000 | $14,005,000 | $306,000 | $7,782,000 |
| Debt-To-Income Ratio | 149 | $140,795,000 | $944,000 | $2,955,000 | $208,000 | $1,326,000 |
| Other | 131 | $123,235,000 | $940,000 | $3,055,000 | $409,000 | $5,767,000 |
| Collateral | 69 | $69,015,000 | $1,000,000 | $3,005,000 | $365,000 | $952,000 |
| Unverifiable Information | 26 | $23,170,000 | $891,000 | $2,345,000 | $291,000 | $702,000 |
| Credit History | 9 | $4,945,000 | $549,000 | $1,405,000 | $298,000 | $570,000 |
| Employment History | 3 | $825,000 | $275,000 | $515,000 | $291,000 | $445,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,320,000 | $660,000 | $865,000 | $474,000 | $805,000 |
| Credit Application Incomplete | 1 | $1,005,000 | $1,005,000 | $1,005,000 | $299,000 | $299,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2020 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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