Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2022
In 2022, Charles Schwab Bank, SSB of Lone Tree, CO reported 9,354 mortgage applications totaling $7.5 billion, down 55% from 2021. The average application was for $805,838, and applicants reported an average income of $365,038. 62% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (417), Oakland-Hayward-Berkeley, CA (375) and San Francisco-Redwood City-South San Francisco, CA (351) (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 | 9,354 |
| Total Mortgage Loan Application Amount | $7,537,810,000 |
| Average Mortgage Loan Application Amount | $805,838 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $365,038 |
| Highest Applicant Income | $8,400,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 761 | $ 640,395,000 | $ 841,517 | $ 368,283 |
| Los Angeles-Long Beach-Glendale, CA | 417 | $ 463,115,000 | $ 1,110,587 | $ 479,000 |
| Oakland-Hayward-Berkeley, CA | 375 | $ 320,175,000 | $ 853,800 | $ 359,000 |
| San Francisco-Redwood City-South San Francisco, CA | 351 | $ 450,485,000 | $ 1,283,433 | $ 426,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 343 | $ 365,905,000 | $ 1,066,778 | $ 425,000 |
| Seattle-Bellevue-Everett, WA | 306 | $ 300,370,000 | $ 981,601 | $ 365,000 |
| New York-Jersey City-White Plains, NY-NJ | 300 | $ 291,220,000 | $ 970,733 | $ 421,266 |
| Phoenix-Mesa-Scottsdale, AZ | 279 | $ 186,315,000 | $ 667,795 | $ 357,000 |
| Anaheim-Santa Ana-Irvine, CA | 258 | $ 296,220,000 | $ 1,148,139 | $ 446,000 |
| Denver-Aurora-Lakewood, CO | 250 | $ 183,790,000 | $ 735,160 | $ 257,000 |
| San Diego-Carlsbad, CA | 234 | $ 243,530,000 | $ 1,040,726 | $ 411,000 |
| Chicago-Naperville, IL | 195 | $ 127,645,000 | $ 654,589 | $ 388,000 |
| Atlanta-Sandy Springs-Roswell, GA | 192 | $ 119,400,000 | $ 621,875 | $ 335,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 188 | $ 140,810,000 | $ 748,989 | $ 390,595 |
| San Rafael, CA | 140 | $ 137,000,000 | $ 978,571 | $ 403,000 |
| Austin-Round Rock, TX | 123 | $ 86,195,000 | $ 700,772 | $ 327,000 |
| Houston-The Woodlands-Sugar Land, TX | 113 | $ 74,515,000 | $ 659,424 | $ 354,000 |
| Dallas-Plano-Irving, TX | 112 | $ 69,600,000 | $ 621,428 | $ 327,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 112 | $ 68,750,000 | $ 613,839 | $ 273,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 104 | $ 58,490,000 | $ 562,403 | $ 342,615 |
| Riverside-San Bernardino-Ontario, CA | 104 | $ 73,410,000 | $ 705,865 | $ 317,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 104 | $ 93,080,000 | $ 895,000 | $ 363,000 |
| North Port-Sarasota-Bradenton, FL | 102 | $ 77,930,000 | $ 764,019 | $ 392,000 |
| Bridgeport-Stamford-Norwalk, CT | 100 | $ 100,860,000 | $ 1,008,600 | $ 546,000 |
| Naples-Immokalee-Marco Island, FL | 92 | $ 75,680,000 | $ 822,608 | $ 479,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 90 | $ 72,710,000 | $ 807,888 | $ 326,000 |
| Charlotte-Concord-Gastonia, NC-SC | 89 | $ 57,765,000 | $ 649,044 | $ 332,786 |
| New York-Newark, NY | 81 | $ 54,345,000 | $ 670,925 | $ 399,629 |
| Reno, NV | 81 | $ 64,905,000 | $ 801,296 | $ 287,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 80 | $ 46,420,000 | $ 580,250 | $ 346,000 |
| Nassau County-Suffolk County, NY | 80 | $ 66,460,000 | $ 830,750 | $ 348,000 |
| Miami-Miami Beach-Kendall, FL | 75 | $ 73,645,000 | $ 981,933 | $ 489,000 |
| Santa Rosa, CA | 74 | $ 66,830,000 | $ 903,108 | $ 390,000 |
| Tampa-St. Petersburg-Clearwater, FL | 74 | $ 50,580,000 | $ 683,513 | $ 279,000 |
| Las Vegas-Henderson-Paradise, NV | 73 | $ 49,315,000 | $ 675,547 | $ 331,000 |
| Newark, NJ-PA | 72 | $ 49,150,000 | $ 682,638 | $ 321,000 |
| Cambridge-Newton-Framingham, MA | 67 | $ 52,095,000 | $ 777,537 | $ 340,000 |
| Boston, MA | 65 | $ 58,715,000 | $ 903,307 | $ 445,000 |
| Charleston-North Charleston, SC | 65 | $ 60,135,000 | $ 925,153 | $ 459,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 62 | $ 48,640,000 | $ 784,516 | $ 395,000 |
| Raleigh, NC | 58 | $ 34,790,000 | $ 599,827 | $ 271,000 |
| Washington-Baltimore-Arlington, DC | 56 | $ 37,450,000 | $ 668,750 | $ 271,000 |
| Montgomery County-Bucks County-Chester County, PA | 54 | $ 33,600,000 | $ 622,222 | $ 319,000 |
| Orlando-Kissimmee-Sanford, FL | 54 | $ 30,550,000 | $ 565,740 | $ 302,000 |
| Boulder, CO | 53 | $ 47,625,000 | $ 898,584 | $ 343,000 |
| Jacksonville, FL | 53 | $ 40,585,000 | $ 765,754 | $ 355,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 53 | $ 40,065,000 | $ 755,943 | $ 530,000 |
| Cape Coral-Fort Myers, FL | 52 | $ 31,350,000 | $ 602,884 | $ 323,000 |
| Baltimore-Columbia-Towson, MD | 49 | $ 25,845,000 | $ 527,448 | $ 367,000 |
| Warren-Troy-Farmington Hills, MI | 46 | $ 30,560,000 | $ 664,347 | $ 437,000 |
| Santa Maria-Santa Barbara, CA | 45 | $ 69,845,000 | $ 1,552,111 | $ 511,000 |
| St. Louis, MO-IL | 44 | $ 28,640,000 | $ 650,909 | $ 369,363 |
| Philadelphia, PA | 43 | $ 31,565,000 | $ 734,069 | $ 370,000 |
| Salinas, CA | 41 | $ 37,115,000 | $ 905,243 | $ 542,000 |
| Santa Cruz-Watsonville, CA | 38 | $ 28,890,000 | $ 760,263 | $ 310,000 |
| Bend-Redmond, OR | 37 | $ 25,465,000 | $ 688,243 | $ 398,000 |
| Kansas City, MO-KS | 36 | $ 23,610,000 | $ 655,833 | $ 363,000 |
| Salt Lake City, UT | 35 | $ 19,955,000 | $ 570,142 | $ 286,000 |
| Tucson, AZ | 35 | $ 15,985,000 | $ 456,714 | $ 248,000 |
| Asheville, NC | 33 | $ 17,875,000 | $ 541,666 | $ 519,000 |
| Barnstable Town, MA | 33 | $ 35,125,000 | $ 1,064,393 | $ 314,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 33 | $ 32,125,000 | $ 973,484 | $ 303,000 |
| Boise City, ID | 31 | $ 17,985,000 | $ 580,161 | $ 322,000 |
| Durham-Chapel Hill, NC | 31 | $ 15,945,000 | $ 514,354 | $ 243,000 |
| Lake County-Kenosha County, IL-WI | 31 | $ 25,265,000 | $ 815,000 | $ 397,000 |
| Fort Worth-Arlington, TX | 29 | $ 18,875,000 | $ 650,862 | $ 328,000 |
| Santa Fe, NM | 29 | $ 24,695,000 | $ 851,551 | $ 272,000 |
| Cleveland-Elyria, OH | 28 | $ 16,830,000 | $ 601,071 | $ 377,000 |
| Napa, CA | 28 | $ 29,080,000 | $ 1,038,571 | $ 372,000 |
| Urban Honolulu, HI | 28 | $ 26,990,000 | $ 963,928 | $ 430,000 |
| New Orleans-Metairie, LA | 27 | $ 18,065,000 | $ 669,074 | $ 331,000 |
| Salisbury, MD-DE | 27 | $ 15,895,000 | $ 588,703 | $ 324,111 |
| Richmond, VA | 25 | $ 12,785,000 | $ 511,400 | $ 251,000 |
| Fort Collins, CO | 24 | $ 14,950,000 | $ 622,916 | $ 234,000 |
| Indianapolis-Carmel-Anderson, IN | 24 | $ 11,000,000 | $ 458,333 | $ 404,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 24 | $ 16,280,000 | $ 678,333 | $ 439,000 |
| Columbus, OH | 22 | $ 12,260,000 | $ 557,272 | $ 637,000 |
| Ocean City, NJ | 22 | $ 20,960,000 | $ 952,727 | $ 466,000 |
| Providence-Warwick, RI-MA | 22 | $ 17,470,000 | $ 794,090 | $ 371,545 |
| San Antonio-New Braunfels, TX | 22 | $ 11,570,000 | $ 525,909 | $ 252,000 |
| Crestview-Fort Walton Beach-Destin, FL | 21 | $ 17,045,000 | $ 811,666 | $ 501,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 7,975,000 | $ 379,761 | $ 211,000 |
| Port St. Lucie, FL | 21 | $ 9,015,000 | $ 429,285 | $ 247,000 |
| Colorado Springs, CO | 20 | $ 9,390,000 | $ 469,500 | $ 166,000 |
| Milwaukee-Waukesha-West Allis, WI | 20 | $ 8,560,000 | $ 428,000 | $ 253,000 |
| Bremerton-Silverdale, WA | 19 | $ 14,185,000 | $ 746,578 | $ 428,000 |
| Birmingham-Hoover, AL | 17 | $ 8,385,000 | $ 493,235 | $ 183,000 |
| Greenville-Anderson-Mauldin, SC | 17 | $ 5,115,000 | $ 300,882 | $ 222,000 |
| Oklahoma City, OK | 17 | $ 6,705,000 | $ 394,411 | $ 206,000 |
| Prescott Valley-Prescott, AZ | 17 | $ 9,205,000 | $ 541,470 | $ 217,000 |
| Albuquerque, NM | 16 | $ 8,050,000 | $ 503,125 | $ 309,000 |
| Rockingham County-Strafford County, NH | 16 | $ 8,110,000 | $ 506,875 | $ 183,000 |
| Tacoma-Lakewood, WA | 16 | $ 10,510,000 | $ 656,875 | $ 201,000 |
| Chattanooga, TN-GA | 15 | $ 8,675,000 | $ 578,333 | $ 225,000 |
| Portland-South Portland, ME | 15 | $ 10,415,000 | $ 694,333 | $ 299,000 |
| Trenton, NJ | 15 | $ 9,485,000 | $ 632,333 | $ 240,000 |
| Knoxville, TN | 14 | $ 8,470,000 | $ 605,000 | $ 311,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 14 | $ 7,150,000 | $ 510,714 | $ 210,642 |
| Wilmington, NC | 14 | $ 5,830,000 | $ 416,428 | $ 148,000 |
| Cincinnati, OH-KY-IN | 13 | $ 5,495,000 | $ 422,692 | $ 244,000 |
| Hartford-West Hartford-East Hartford, CT | 13 | $ 3,415,000 | $ 262,692 | $ 232,000 |
| Louisville/Jefferson County, KY-IN | 13 | $ 6,515,000 | $ 501,153 | $ 192,538 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 13 | $ 5,495,000 | $ 422,692 | $ 178,153 |
| Camden, NJ | 12 | $ 6,570,000 | $ 547,500 | $ 231,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 5,250,000 | $ 437,500 | $ 207,000 |
| Sebastian-Vero Beach, FL | 12 | $ 10,090,000 | $ 840,833 | $ 257,000 |
| Ann Arbor, MI | 11 | $ 5,805,000 | $ 527,727 | $ 287,000 |
| Charlottesville, VA | 11 | $ 5,935,000 | $ 539,545 | $ 427,000 |
| Elgin, IL | 11 | $ 2,415,000 | $ 219,545 | $ 167,000 |
| Flagstaff, AZ | 11 | $ 9,685,000 | $ 880,454 | $ 481,000 |
| Pittsburgh, PA | 11 | $ 5,205,000 | $ 473,181 | $ 187,000 |
| Tulsa, OK | 11 | $ 7,275,000 | $ 661,363 | $ 388,000 |
| Bellingham, WA | 10 | $ 4,140,000 | $ 414,000 | $ 238,000 |
| Brunswick, GA | 10 | $ 10,180,000 | $ 1,018,000 | $ 249,000 |
| Pensacola-Ferry Pass-Brent, FL | 10 | $ 4,520,000 | $ 452,000 | $ 197,000 |
| Savannah, GA | 10 | $ 6,850,000 | $ 685,000 | $ 335,000 |
| Stockton-Lodi, CA | 10 | $ 4,130,000 | $ 413,000 | $ 222,000 |
| The Villages, FL | 10 | $ 4,400,000 | $ 440,000 | $ 213,000 |
| Detroit-Dearborn-Livonia, MI | 9 | $ 4,635,000 | $ 515,000 | $ 366,000 |
| Kahului-Wailuku-Lahaina, HI | 9 | $ 11,355,000 | $ 1,261,666 | $ 440,000 |
| Memphis, TN-MS-AR | 9 | $ 3,005,000 | $ 333,888 | $ 207,333 |
| Ogden-Clearfield, UT | 9 | $ 4,085,000 | $ 453,888 | $ 258,000 |
| Provo-Orem, UT | 9 | $ 6,325,000 | $ 702,777 | $ 328,000 |
| Punta Gorda, FL | 9 | $ 5,035,000 | $ 559,444 | $ 255,000 |
| Akron, OH | 8 | $ 3,050,000 | $ 381,250 | $ 319,000 |
| Des Moines-West Des Moines, IA | 8 | $ 2,770,000 | $ 346,250 | $ 144,000 |
| Eugene, OR | 8 | $ 4,440,000 | $ 555,000 | $ 310,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 4,230,000 | $ 528,750 | $ 279,000 |
| Gainesville, GA | 8 | $ 6,650,000 | $ 831,250 | $ 253,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 3,600,000 | $ 450,000 | $ 324,000 |
| Greensboro-High Point, NC | 8 | $ 3,620,000 | $ 452,500 | $ 403,000 |
| Medford, OR | 8 | $ 4,270,000 | $ 533,750 | $ 257,000 |
| Norwich-New London, CT | 8 | $ 3,520,000 | $ 440,000 | $ 254,000 |
| Omaha-Council Bluffs, NE-IA | 8 | $ 5,890,000 | $ 736,250 | $ 456,000 |
| Springfield, MO | 8 | $ 5,320,000 | $ 665,000 | $ 543,000 |
| Burlington-South Burlington, VT | 7 | $ 2,905,000 | $ 415,000 | $ 267,000 |
| Fresno, CA | 7 | $ 2,425,000 | $ 346,428 | $ 377,000 |
| Greeley, CO | 7 | $ 3,285,000 | $ 469,285 | $ 166,000 |
| Lakeland-Winter Haven, FL | 7 | $ 1,915,000 | $ 273,571 | $ 204,000 |
| Lynchburg, VA | 7 | $ 4,655,000 | $ 665,000 | $ 310,000 |
| Madison, WI | 7 | $ 4,275,000 | $ 610,714 | $ 433,000 |
| Manchester-Nashua, NH | 7 | $ 2,795,000 | $ 399,285 | $ 139,000 |
| Niles-Benton Harbor, MI | 7 | $ 4,235,000 | $ 605,000 | $ 373,000 |
| Rochester, NY | 7 | $ 1,945,000 | $ 277,857 | $ 184,000 |
| Wenatchee, WA | 7 | $ 4,705,000 | $ 672,142 | $ 472,000 |
| Worcester, MA-CT | 7 | $ 2,365,000 | $ 337,857 | $ 173,571 |
| Albany-Schenectady-Troy, NY | 6 | $ 3,030,000 | $ 505,000 | $ 350,000 |
| Anchorage, AK | 6 | $ 1,670,000 | $ 278,333 | $ 123,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 8,320,000 | $ 1,386,666 | $ 577,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 3,560,000 | $ 593,333 | $ 220,000 |
| Huntsville, AL | 6 | $ 1,880,000 | $ 313,333 | $ 195,000 |
| Kingston, NY | 6 | $ 2,790,000 | $ 465,000 | $ 170,000 |
| Little Rock-North Little Rock-Conway, AR | 6 | $ 2,140,000 | $ 356,666 | $ 177,000 |
| New Haven-Milford, CT | 6 | $ 3,730,000 | $ 621,666 | $ 386,000 |
| Spokane-Spokane Valley, WA | 6 | $ 2,100,000 | $ 350,000 | $ 162,000 |
| St. George, UT | 6 | $ 4,140,000 | $ 690,000 | $ 253,000 |
| Toledo, OH | 6 | $ 2,140,000 | $ 356,666 | $ 179,000 |
| Wilmington, DE-MD-NJ | 6 | $ 2,290,000 | $ 381,666 | $ 242,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 5 | $ 1,215,000 | $ 243,000 | $ 135,000 |
| Coeur D'Alene, ID | 5 | $ 2,015,000 | $ 403,000 | $ 183,000 |
| College Station-Bryan, TX | 5 | $ 1,415,000 | $ 283,000 | $ 239,000 |
| Corpus Christi, TX | 5 | $ 2,165,000 | $ 433,000 | $ 279,000 |
| Michigan City-La Porte, IN | 5 | $ 3,545,000 | $ 709,000 | $ 725,000 |
| Olympia-Tumwater, WA | 5 | $ 2,105,000 | $ 421,000 | $ 314,000 |
| Pittsfield, MA | 5 | $ 2,045,000 | $ 409,000 | $ 225,000 |
| Visalia-Porterville, CA | 5 | $ 1,855,000 | $ 371,000 | $ 132,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 4 | $ 990,000 | $ 247,500 | $ 231,000 |
| Athens-Clarke County, GA | 4 | $ 2,150,000 | $ 537,500 | $ 242,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 980,000 | $ 245,000 | $ 130,500 |
| East Stroudsburg, PA | 4 | $ 1,560,000 | $ 390,000 | $ 256,000 |
| Gainesville, FL | 4 | $ 2,070,000 | $ 517,500 | $ 192,000 |
| Jacksonville, NC | 4 | $ 1,170,000 | $ 292,500 | $ 129,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 810,000 | $ 202,500 | $ 183,000 |
| Madera, CA | 4 | $ 1,220,000 | $ 305,000 | $ 105,000 |
| Missoula, MT | 4 | $ 2,710,000 | $ 677,500 | $ 216,000 |
| Modesto, CA | 4 | $ 2,610,000 | $ 652,500 | $ 339,000 |
| Panama City, FL | 4 | $ 4,720,000 | $ 1,180,000 | $ 347,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 820,000 | $ 205,000 | $ 206,000 |
| Syracuse, NY | 4 | $ 1,080,000 | $ 270,000 | $ 203,000 |
| Vallejo-Fairfield, CA | 4 | $ 2,810,000 | $ 702,500 | $ 285,000 |
| Wichita, KS | 4 | $ 2,190,000 | $ 547,500 | $ 156,000 |
| York-Hanover, PA | 4 | $ 1,520,000 | $ 380,000 | $ 129,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 490,000 | $ 122,500 | $ 103,250 |
| Bakersfield, CA | 3 | $ 665,000 | $ 221,666 | $ 152,000 |
| Fort Wayne, IN | 3 | $ 1,035,000 | $ 345,000 | $ 462,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 735,000 | $ 245,000 | $ 271,000 |
| Harrisburg-Carlisle, PA | 3 | $ 415,000 | $ 138,333 | $ 158,000 |
| Homosassa Springs, FL | 3 | $ 1,765,000 | $ 588,333 | $ 545,000 |
| Johnson City, TN | 3 | $ 1,355,000 | $ 451,666 | $ 114,000 |
| Lafayette, LA | 3 | $ 1,005,000 | $ 335,000 | $ 169,000 |
| Lexington-Fayette, KY | 3 | $ 1,705,000 | $ 568,333 | $ 200,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,475,000 | $ 491,666 | $ 165,000 |
| Redding, CA | 3 | $ 685,000 | $ 228,333 | $ 89,000 |
| Salem, OR | 3 | $ 1,435,000 | $ 478,333 | $ 210,000 |
| Shreveport-Bossier City, LA | 3 | $ 1,435,000 | $ 478,333 | $ 151,000 |
| Springfield, MA | 3 | $ 705,000 | $ 235,000 | $ 162,000 |
| State College, PA | 3 | $ 1,185,000 | $ 395,000 | $ 184,000 |
| Staunton-Waynesboro, VA | 3 | $ 2,445,000 | $ 815,000 | $ 293,000 |
| Winston-Salem, NC | 3 | $ 635,000 | $ 211,666 | $ 114,000 |
| Yakima, WA | 3 | $ 1,405,000 | $ 468,333 | $ 253,000 |
| Appleton, WI | 2 | $ 580,000 | $ 290,000 | $ 224,000 |
| Auburn-Opelika, AL | 2 | $ 450,000 | $ 225,000 | $ 269,000 |
| Beaumont-Port Arthur, TX | 2 | $ 470,000 | $ 235,000 | $ 100,000 |
| Carson City, NV | 2 | $ 1,380,000 | $ 690,000 | $ 221,000 |
| Columbia, SC | 2 | $ 630,000 | $ 315,000 | $ 213,000 |
| Corvallis, OR | 2 | $ 1,040,000 | $ 520,000 | $ 143,000 |
| Fayetteville, NC | 2 | $ 570,000 | $ 285,000 | $ 344,000 |
| Gary, IN | 2 | $ 1,410,000 | $ 705,000 | $ 151,000 |
| Green Bay, WI | 2 | $ 1,310,000 | $ 655,000 | $ 597,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 970,000 | $ 485,000 | $ 345,000 |
| Hot Springs, AR | 2 | $ 510,000 | $ 255,000 | $ 120,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 450,000 | $ 225,000 | $ 123,000 |
| Kennewick-Richland, WA | 2 | $ 1,150,000 | $ 575,000 | $ 796,000 |
| Killeen-Temple, TX | 2 | $ 500,000 | $ 250,000 | $ 141,000 |
| Lancaster, PA | 2 | $ 1,220,000 | $ 610,000 | $ 266,000 |
| Lubbock, TX | 2 | $ 720,000 | $ 360,000 | $ 220,000 |
| Morristown, TN | 2 | $ 390,000 | $ 195,000 | $ 70,000 |
| Ocala, FL | 2 | $ 460,000 | $ 230,000 | $ 148,000 |
| Racine, WI | 2 | $ 1,160,000 | $ 580,000 | $ 184,000 |
| Roanoke, VA | 2 | $ 490,000 | $ 245,000 | $ 120,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 790,000 | $ 395,000 | $ 241,000 |
| Tuscaloosa, AL | 2 | $ 490,000 | $ 245,000 | $ 298,000 |
| Tyler, TX | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Williamsport, PA | 2 | $ 1,630,000 | $ 815,000 | $ 49,000 |
| Winchester, VA-WV | 2 | $ 890,000 | $ 445,000 | $ 342,000 |
| Albany, GA | 1 | $ 215,000 | $ 215,000 | $ 109,000 |
| Baton Rouge, LA | 1 | $ 465,000 | $ 465,000 | $ 254,000 |
| Bismarck, ND | 1 | $ 525,000 | $ 525,000 | $ 236,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 1,025,000 | $ 1,025,000 | $ 810,000 |
| Bloomington, IL | 1 | $ 305,000 | $ 305,000 | $ 162,000 |
| Bloomsburg-Berwick, PA | 1 | $ 505,000 | $ 505,000 | $ 711,000 |
| California-Lexington Park, MD | 1 | $ 105,000 | $ 105,000 | $ 154,000 |
| Canton-Massillon, OH | 1 | $ 165,000 | $ 165,000 | $ 46,000 |
| Casper, WY | 1 | $ 245,000 | $ 245,000 | $ 302,000 |
| Champaign-Urbana, IL | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Cheyenne, WY | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Clarksville, TN-KY | 1 | $ 405,000 | $ 405,000 | $ 142,000 |
| Cleveland, TN | 1 | $ 275,000 | $ 275,000 | $ 160,000 |
| Columbia, MO | 1 | $ 185,000 | $ 185,000 | $ 108,000 |
| Danville, IL | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Dothan, AL | 1 | $ 175,000 | $ 175,000 | $ 121,000 |
| Duluth, MN-WI | 1 | $ 275,000 | $ 275,000 | $ 613,000 |
| Eau Claire, WI | 1 | $ 265,000 | $ 265,000 | $ 267,000 |
| Erie, PA | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Evansville, IN-KY | 1 | $ 295,000 | $ 295,000 | $ 93,000 |
| Fort Smith, AR-OK | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Gadsden, AL | 1 | $ 485,000 | $ 485,000 | $ 87,000 |
| Grand Junction, CO | 1 | $ 755,000 | $ 755,000 | $ 344,000 |
| Great Falls, MT | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 555,000 | $ 555,000 | $ 226,000 |
| Harrisonburg, VA | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Hattiesburg, MS | 1 | $ 165,000 | $ 165,000 | $ 325,000 |
| Idaho Falls, ID | 1 | $ 925,000 | $ 925,000 | $ 158,000 |
| Iowa City, IA | 1 | $ 315,000 | $ 315,000 | $ 318,000 |
| Jackson, MS | 1 | $ 605,000 | $ 605,000 | $ 233,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 205,000 | $ 205,000 | $ 232,000 |
| Lafayette-West Lafayette, IN | 1 | $ 285,000 | $ 285,000 | $ 183,000 |
| Lansing-East Lansing, MI | 1 | $ 125,000 | $ 125,000 | $ 138,000 |
| Las Cruces, NM | 1 | $ 265,000 | $ 265,000 | $ 212,000 |
| Lawrence, KS | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Lebanon, PA | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Lewiston-Auburn, ME | 1 | $ 55,000 | $ 55,000 | $ 129,000 |
| Lincoln, NE | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Longview, WA | 1 | $ 415,000 | $ 415,000 | $ 59,000 |
| Macon-Bibb County, GA | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| Manhattan, KS | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Midland, MI | 1 | $ 355,000 | $ 355,000 | $ 121,000 |
| Midland, TX | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| Oshkosh-Neenah, WI | 1 | $ 375,000 | $ 375,000 | $ 223,000 |
| Pueblo, CO | 1 | $ 665,000 | $ 665,000 | $ 214,000 |
| Reading, PA | 1 | $ 755,000 | $ 755,000 | $ 479,000 |
| Rochester, MN | 1 | $ 555,000 | $ 555,000 | $ 200,000 |
| Rockford, IL | 1 | $ 135,000 | $ 135,000 | $ 179,000 |
| Sierra Vista-Douglas, AZ | 1 | $ 105,000 | $ 105,000 | $ 24,000 |
| Sioux Falls, SD | 1 | $ 845,000 | $ 845,000 | $ 164,000 |
| Springfield, OH | 1 | $ 125,000 | $ 125,000 | $ 38,000 |
| Sumter, SC | 1 | $ 335,000 | $ 335,000 | $ 241,000 |
| Tallahassee, FL | 1 | $ 335,000 | $ 335,000 | $ 113,000 |
| Utica-Rome, NY | 1 | $ 175,000 | $ 175,000 | $ 146,000 |
| Victoria, TX | 1 | $ 525,000 | $ 525,000 | $ 320,000 |
| Warner Robins, GA | 1 | $ 285,000 | $ 285,000 | $ 192,000 |
| Yuma, AZ | 1 | $ 255,000 | $ 255,000 | $ 96,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 4,072 | $3,557,760,000 | $873,000 | $20,005,000 | $380,000 | $8,400,000 |
| Cash-out Refinancing | 1,893 | $1,289,995,000 | $681,000 | $20,005,000 | $324,000 | $7,356,000 |
| Refinancing | 1,862 | $1,576,870,000 | $846,000 | $9,055,000 | $388,000 | $6,684,000 |
| Other Purpose | 1,062 | $896,350,000 | $844,000 | $11,665,000 | $394,000 | $7,429,000 |
| Home Improvement | 465 | $216,835,000 | $466,000 | $4,515,000 | $243,000 | $4,560,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not Provided | 4,577 | $3,915,825,000 | $855,000 | $20,005,000 | $380,000 | $8,400,000 |
| White | 4,029 | $2,998,095,000 | $744,000 | $20,005,000 | $344,000 | $7,429,000 |
| Asian | 451 | $385,935,000 | $855,000 | $7,205,000 | $374,000 | $4,824,000 |
| Hispanic | 149 | $113,305,000 | $760,000 | $2,885,000 | $386,000 | $4,439,000 |
| Black or African American | 50 | $33,840,000 | $676,000 | $3,755,000 | $508,000 | $5,503,000 |
| American Indian or Alaskan Native | 13 | $7,815,000 | $601,000 | $2,005,000 | $209,000 | $510,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,815,000 | $605,000 | $725,000 | $118,000 | $136,000 |
| 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) | 9,354 | $7,537,810,000 | $805,000 | $20,005,000 | $365,000 | $8,400,000 |
| 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 | 5,783 | $5,878,115,000 | $1,016,000 | $20,005,000 | $434,000 | $8,400,000 |
| Loan Purchased By The Institution | 3,079 | $1,170,405,000 | $380,000 | $5,975,000 | $237,000 | $6,684,000 |
| Application Denied By Financial Institution | 354 | $334,380,000 | $944,000 | $6,905,000 | $338,000 | $3,288,000 |
| Application Approved But Not Accepted | 107 | $118,175,000 | $1,104,000 | $10,005,000 | $364,000 | $1,153,000 |
| Preapproval Denied by Financial Institution | 18 | $24,520,000 | $1,362,000 | $3,025,000 | $365,000 | $1,261,000 |
| Preapproval Approved but not Accepted | 13 | $12,215,000 | $939,000 | $2,105,000 | $426,000 | $1,375,000 |
| 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 | 8,982 | $7,178,910,000 | $799,000 | $20,005,000 | $366,000 | $8,400,000 |
| Debt-To-Income Ratio | 150 | $142,870,000 | $952,000 | $3,795,000 | $217,000 | $1,882,000 |
| Collateral | 87 | $80,325,000 | $923,000 | $6,005,000 | $394,000 | $1,902,000 |
| Other | 79 | $90,415,000 | $1,144,000 | $6,905,000 | $474,000 | $3,288,000 |
| Unverifiable Information | 28 | $24,770,000 | $884,000 | $3,025,000 | $398,000 | $1,593,000 |
| Credit History | 12 | $9,050,000 | $754,000 | $2,005,000 | $270,000 | $499,000 |
| Credit Application Incomplete | 9 | $5,875,000 | $652,000 | $1,445,000 | $330,000 | $649,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $3,145,000 | $629,000 | $1,355,000 | $444,000 | $1,190,000 |
| Employment History | 2 | $2,450,000 | $1,225,000 | $1,805,000 | $215,000 | $217,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2022 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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