Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2023
In 2023, Charles Schwab Bank, SSB of Lone Tree, CO reported 4,261 mortgage applications totaling $3.4 billion, down 54% from 2022. The average application was for $796,325, and applicants reported an average income of $430,465. 64% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (168), Oakland-Hayward-Berkeley, CA (152) and Phoenix-Mesa-Scottsdale, AZ (143) (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 | 4,261 |
| Total Mortgage Loan Application Amount | $3,393,145,000 |
| Average Mortgage Loan Application Amount | $796,325 |
| Highest Mortgage Loan Application Amount | $18,545,000 |
| Average Applicant Income | $430,465 |
| Highest Applicant Income | $9,530,000 |
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(HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 412 | $ 340,490,000 | $ 826,432 | $ 479,344 |
| Los Angeles-Long Beach-Glendale, CA | 168 | $ 196,020,000 | $ 1,166,785 | $ 508,000 |
| Oakland-Hayward-Berkeley, CA | 152 | $ 132,110,000 | $ 869,144 | $ 466,000 |
| Phoenix-Mesa-Scottsdale, AZ | 143 | $ 96,575,000 | $ 675,349 | $ 342,000 |
| Denver-Aurora-Lakewood, CO | 136 | $ 112,010,000 | $ 823,602 | $ 455,000 |
| San Francisco-Redwood City-South San Francisco, CA | 129 | $ 146,515,000 | $ 1,135,775 | $ 563,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 109 | $ 136,375,000 | $ 1,251,146 | $ 511,000 |
| Seattle-Bellevue-Everett, WA | 104 | $ 111,760,000 | $ 1,074,615 | $ 438,000 |
| Anaheim-Santa Ana-Irvine, CA | 103 | $ 100,715,000 | $ 977,815 | $ 450,000 |
| San Diego-Carlsbad, CA | 99 | $ 107,405,000 | $ 1,084,898 | $ 481,000 |
| Chicago-Naperville, IL | 86 | $ 54,710,000 | $ 636,162 | $ 351,000 |
| New York-Jersey City-White Plains, NY-NJ | 86 | $ 81,320,000 | $ 945,581 | $ 492,058 |
| Atlanta-Sandy Springs-Roswell, GA | 81 | $ 44,995,000 | $ 555,493 | $ 296,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 69 | $ 53,875,000 | $ 780,797 | $ 465,405 |
| Dallas-Plano-Irving, TX | 67 | $ 60,565,000 | $ 903,955 | $ 496,000 |
| Austin-Round Rock, TX | 65 | $ 49,325,000 | $ 758,846 | $ 405,000 |
| Tampa-St. Petersburg-Clearwater, FL | 60 | $ 41,340,000 | $ 689,000 | $ 385,000 |
| Riverside-San Bernardino-Ontario, CA | 59 | $ 36,845,000 | $ 624,491 | $ 393,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 54 | $ 39,900,000 | $ 738,888 | $ 470,000 |
| Las Vegas-Henderson-Paradise, NV | 52 | $ 37,750,000 | $ 725,961 | $ 411,000 |
| Naples-Immokalee-Marco Island, FL | 50 | $ 39,740,000 | $ 794,800 | $ 608,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 50 | $ 33,340,000 | $ 666,800 | $ 366,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 48 | $ 31,170,000 | $ 649,375 | $ 365,541 |
| Houston-The Woodlands-Sugar Land, TX | 47 | $ 34,665,000 | $ 737,553 | $ 611,000 |
| Cambridge-Newton-Framingham, MA | 46 | $ 35,720,000 | $ 776,521 | $ 350,000 |
| Charlotte-Concord-Gastonia, NC-SC | 44 | $ 34,830,000 | $ 791,590 | $ 379,727 |
| New York-Newark, NY | 43 | $ 34,465,000 | $ 801,511 | $ 481,069 |
| San Rafael, CA | 43 | $ 45,755,000 | $ 1,064,069 | $ 460,000 |
| Bridgeport-Stamford-Norwalk, CT | 42 | $ 39,890,000 | $ 949,761 | $ 793,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 40 | $ 24,430,000 | $ 610,750 | $ 385,200 |
| North Port-Sarasota-Bradenton, FL | 39 | $ 31,515,000 | $ 808,076 | $ 489,000 |
| Miami-Miami Beach-Kendall, FL | 33 | $ 35,365,000 | $ 1,071,666 | $ 489,000 |
| Newark, NJ-PA | 31 | $ 25,235,000 | $ 814,032 | $ 530,000 |
| Orlando-Kissimmee-Sanford, FL | 30 | $ 22,000,000 | $ 733,333 | $ 423,000 |
| Santa Rosa, CA | 30 | $ 20,720,000 | $ 690,666 | $ 380,000 |
| Boston, MA | 28 | $ 23,260,000 | $ 830,714 | $ 414,000 |
| Cape Coral-Fort Myers, FL | 28 | $ 16,240,000 | $ 580,000 | $ 329,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 28 | $ 31,850,000 | $ 1,137,500 | $ 612,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 28 | $ 23,340,000 | $ 833,571 | $ 442,000 |
| Reno, NV | 28 | $ 37,280,000 | $ 1,331,428 | $ 410,000 |
| Washington-Baltimore-Arlington, DC | 28 | $ 16,880,000 | $ 602,857 | $ 306,000 |
| Boulder, CO | 27 | $ 20,345,000 | $ 753,518 | $ 346,000 |
| Nassau County-Suffolk County, NY | 27 | $ 23,955,000 | $ 887,222 | $ 501,000 |
| Montgomery County-Bucks County-Chester County, PA | 26 | $ 14,080,000 | $ 541,538 | $ 318,000 |
| Jacksonville, FL | 23 | $ 14,065,000 | $ 611,521 | $ 301,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 22 | $ 15,010,000 | $ 682,272 | $ 605,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 21 | $ 13,015,000 | $ 619,761 | $ 608,000 |
| Baltimore-Columbia-Towson, MD | 20 | $ 11,170,000 | $ 558,500 | $ 343,000 |
| Fort Worth-Arlington, TX | 20 | $ 17,990,000 | $ 899,500 | $ 377,000 |
| Indianapolis-Carmel-Anderson, IN | 20 | $ 7,540,000 | $ 377,000 | $ 371,000 |
| Philadelphia, PA | 20 | $ 16,680,000 | $ 834,000 | $ 423,000 |
| Raleigh, NC | 20 | $ 13,020,000 | $ 651,000 | $ 310,000 |
| Salinas, CA | 20 | $ 18,180,000 | $ 909,000 | $ 453,000 |
| Santa Maria-Santa Barbara, CA | 20 | $ 22,300,000 | $ 1,115,000 | $ 387,000 |
| Tucson, AZ | 20 | $ 9,120,000 | $ 456,000 | $ 213,000 |
| Colorado Springs, CO | 18 | $ 10,580,000 | $ 587,777 | $ 304,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 18 | $ 10,120,000 | $ 562,222 | $ 397,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 8,625,000 | $ 507,352 | $ 369,000 |
| Warren-Troy-Farmington Hills, MI | 17 | $ 7,745,000 | $ 455,588 | $ 302,000 |
| Asheville, NC | 16 | $ 9,060,000 | $ 566,250 | $ 224,000 |
| Lake County-Kenosha County, IL-WI | 16 | $ 6,990,000 | $ 436,875 | $ 687,000 |
| Providence-Warwick, RI-MA | 16 | $ 8,420,000 | $ 526,250 | $ 319,500 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 16 | $ 9,110,000 | $ 569,375 | $ 275,000 |
| Charleston-North Charleston, SC | 15 | $ 13,935,000 | $ 929,000 | $ 394,000 |
| Kansas City, MO-KS | 15 | $ 11,105,000 | $ 740,333 | $ 434,200 |
| Urban Honolulu, HI | 15 | $ 13,895,000 | $ 926,333 | $ 516,000 |
| Barnstable Town, MA | 14 | $ 12,530,000 | $ 895,000 | $ 406,000 |
| Boise City, ID | 14 | $ 8,120,000 | $ 580,000 | $ 284,000 |
| Fort Collins, CO | 14 | $ 9,550,000 | $ 682,142 | $ 386,000 |
| Ocean City, NJ | 14 | $ 10,010,000 | $ 715,000 | $ 421,000 |
| Port St. Lucie, FL | 14 | $ 7,200,000 | $ 514,285 | $ 562,000 |
| Prescott Valley-Prescott, AZ | 14 | $ 6,300,000 | $ 450,000 | $ 182,000 |
| San Antonio-New Braunfels, TX | 14 | $ 6,370,000 | $ 455,000 | $ 276,000 |
| Bend-Redmond, OR | 13 | $ 9,845,000 | $ 757,307 | $ 386,000 |
| Crestview-Fort Walton Beach-Destin, FL | 13 | $ 17,675,000 | $ 1,359,615 | $ 562,000 |
| Salt Lake City, UT | 13 | $ 9,335,000 | $ 718,076 | $ 381,000 |
| Columbus, OH | 12 | $ 8,340,000 | $ 695,000 | $ 877,000 |
| Knoxville, TN | 12 | $ 6,640,000 | $ 553,333 | $ 275,000 |
| Salisbury, MD-DE | 12 | $ 6,880,000 | $ 573,333 | $ 238,583 |
| St. Louis, MO-IL | 12 | $ 7,000,000 | $ 583,333 | $ 305,000 |
| Tacoma-Lakewood, WA | 12 | $ 8,500,000 | $ 708,333 | $ 298,000 |
| Cleveland-Elyria, OH | 11 | $ 4,975,000 | $ 452,272 | $ 233,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 11 | $ 6,185,000 | $ 562,272 | $ 290,272 |
| Pittsburgh, PA | 11 | $ 3,235,000 | $ 294,090 | $ 278,000 |
| Santa Cruz-Watsonville, CA | 11 | $ 11,425,000 | $ 1,038,636 | $ 556,000 |
| Bremerton-Silverdale, WA | 10 | $ 9,230,000 | $ 923,000 | $ 372,000 |
| Camden, NJ | 10 | $ 4,460,000 | $ 446,000 | $ 270,000 |
| Cincinnati, OH-KY-IN | 10 | $ 4,720,000 | $ 472,000 | $ 287,300 |
| Durham-Chapel Hill, NC | 10 | $ 5,430,000 | $ 543,000 | $ 506,000 |
| Napa, CA | 10 | $ 6,180,000 | $ 618,000 | $ 303,000 |
| Spokane-Spokane Valley, WA | 10 | $ 4,910,000 | $ 491,000 | $ 182,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 5,355,000 | $ 595,000 | $ 329,000 |
| Palm Bay-Melbourne-Titusville, FL | 9 | $ 7,255,000 | $ 806,111 | $ 294,000 |
| Santa Fe, NM | 9 | $ 5,445,000 | $ 605,000 | $ 334,000 |
| Chattanooga, TN-GA | 8 | $ 3,900,000 | $ 487,500 | $ 300,375 |
| Greenville-Anderson-Mauldin, SC | 8 | $ 4,360,000 | $ 545,000 | $ 345,000 |
| Richmond, VA | 8 | $ 3,580,000 | $ 447,500 | $ 379,000 |
| Sebastian-Vero Beach, FL | 8 | $ 5,990,000 | $ 748,750 | $ 502,000 |
| The Villages, FL | 8 | $ 3,100,000 | $ 387,500 | $ 264,000 |
| Trenton, NJ | 8 | $ 4,790,000 | $ 598,750 | $ 333,000 |
| Tulsa, OK | 8 | $ 3,970,000 | $ 496,250 | $ 205,000 |
| Albuquerque, NM | 7 | $ 3,425,000 | $ 489,285 | $ 325,000 |
| Eugene, OR | 7 | $ 3,565,000 | $ 509,285 | $ 359,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 3,815,000 | $ 545,000 | $ 404,000 |
| Kahului-Wailuku-Lahaina, HI | 7 | $ 26,345,000 | $ 3,763,571 | $ 1,698,000 |
| Madison, WI | 7 | $ 5,385,000 | $ 769,285 | $ 539,000 |
| Milwaukee-Waukesha-West Allis, WI | 7 | $ 3,995,000 | $ 570,714 | $ 380,000 |
| Savannah, GA | 7 | $ 2,455,000 | $ 350,714 | $ 339,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 2,635,000 | $ 376,428 | $ 221,571 |
| Atlantic City-Hammonton, NJ | 6 | $ 5,720,000 | $ 953,333 | $ 495,000 |
| Bellingham, WA | 6 | $ 2,940,000 | $ 490,000 | $ 249,000 |
| Flagstaff, AZ | 6 | $ 6,270,000 | $ 1,045,000 | $ 402,000 |
| Lake Havasu City-Kingman, AZ | 6 | $ 3,640,000 | $ 606,666 | $ 310,000 |
| Louisville/Jefferson County, KY-IN | 6 | $ 2,460,000 | $ 410,000 | $ 229,000 |
| New Orleans-Metairie, LA | 6 | $ 2,290,000 | $ 381,666 | $ 256,000 |
| Portland-South Portland, ME | 6 | $ 3,410,000 | $ 568,333 | $ 403,000 |
| Provo-Orem, UT | 6 | $ 3,980,000 | $ 663,333 | $ 428,000 |
| Wilmington, NC | 6 | $ 2,400,000 | $ 400,000 | $ 412,000 |
| Ann Arbor, MI | 5 | $ 1,565,000 | $ 313,000 | $ 220,000 |
| Brunswick, GA | 5 | $ 4,745,000 | $ 949,000 | $ 308,000 |
| Charlottesville, VA | 5 | $ 6,245,000 | $ 1,249,000 | $ 555,000 |
| Grand Rapids-Wyoming, MI | 5 | $ 2,075,000 | $ 415,000 | $ 305,000 |
| Huntsville, AL | 5 | $ 5,675,000 | $ 1,135,000 | $ 822,000 |
| Memphis, TN-MS-AR | 5 | $ 1,695,000 | $ 339,000 | $ 200,400 |
| Modesto, CA | 5 | $ 2,045,000 | $ 409,000 | $ 2,026,000 |
| Ocala, FL | 5 | $ 2,035,000 | $ 407,000 | $ 196,000 |
| Oklahoma City, OK | 5 | $ 1,865,000 | $ 373,000 | $ 211,000 |
| Akron, OH | 4 | $ 910,000 | $ 227,500 | $ 342,000 |
| Duluth, MN-WI | 4 | $ 2,280,000 | $ 570,000 | $ 327,000 |
| Harrisburg-Carlisle, PA | 4 | $ 1,150,000 | $ 287,500 | $ 122,000 |
| Lansing-East Lansing, MI | 4 | $ 1,190,000 | $ 297,500 | $ 201,000 |
| Medford, OR | 4 | $ 1,590,000 | $ 397,500 | $ 258,000 |
| New Haven-Milford, CT | 4 | $ 1,020,000 | $ 255,000 | $ 122,000 |
| Punta Gorda, FL | 4 | $ 1,110,000 | $ 277,500 | $ 97,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 500,000 | $ 125,000 | $ 218,000 |
| Springfield, MA | 4 | $ 1,960,000 | $ 490,000 | $ 503,000 |
| Stockton-Lodi, CA | 4 | $ 2,480,000 | $ 620,000 | $ 374,000 |
| Vallejo-Fairfield, CA | 4 | $ 2,530,000 | $ 632,500 | $ 375,000 |
| Wilmington, DE-MD-NJ | 4 | $ 1,540,000 | $ 385,000 | $ 225,750 |
| Bakersfield, CA | 3 | $ 1,465,000 | $ 488,333 | $ 425,000 |
| Birmingham-Hoover, AL | 3 | $ 1,955,000 | $ 651,666 | $ 266,000 |
| Bloomington, IN | 3 | $ 1,875,000 | $ 625,000 | $ 265,000 |
| Coeur D'Alene, ID | 3 | $ 2,165,000 | $ 721,666 | $ 414,000 |
| Des Moines-West Des Moines, IA | 3 | $ 1,175,000 | $ 391,666 | $ 162,000 |
| East Stroudsburg, PA | 3 | $ 955,000 | $ 318,333 | $ 421,000 |
| Fresno, CA | 3 | $ 1,015,000 | $ 338,333 | $ 613,000 |
| Gainesville, GA | 3 | $ 1,965,000 | $ 655,000 | $ 269,000 |
| Homosassa Springs, FL | 3 | $ 525,000 | $ 175,000 | $ 89,000 |
| Johnson City, TN | 3 | $ 805,000 | $ 268,333 | $ 327,000 |
| Kingston, NY | 3 | $ 2,225,000 | $ 741,666 | $ 603,000 |
| Lakeland-Winter Haven, FL | 3 | $ 2,615,000 | $ 871,666 | $ 372,000 |
| Lawrence, KS | 3 | $ 465,000 | $ 155,000 | $ 163,000 |
| Lexington-Fayette, KY | 3 | $ 665,000 | $ 221,666 | $ 205,000 |
| Little Rock-North Little Rock-Conway, AR | 3 | $ 435,000 | $ 145,000 | $ 115,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,095,000 | $ 365,000 | $ 214,000 |
| Norwich-New London, CT | 3 | $ 1,115,000 | $ 371,666 | $ 182,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 1,775,000 | $ 591,666 | $ 131,000 |
| Panama City, FL | 3 | $ 1,075,000 | $ 358,333 | $ 184,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 1,465,000 | $ 488,333 | $ 481,000 |
| St. George, UT | 3 | $ 1,165,000 | $ 388,333 | $ 359,000 |
| Athens-Clarke County, GA | 2 | $ 470,000 | $ 235,000 | $ 167,000 |
| Carson City, NV | 2 | $ 980,000 | $ 490,000 | $ 209,000 |
| Columbia, SC | 2 | $ 870,000 | $ 435,000 | $ 274,000 |
| Dalton, GA | 2 | $ 540,000 | $ 270,000 | $ 180,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,030,000 | $ 515,000 | $ 598,000 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 550,000 | $ 275,000 | $ 110,000 |
| Elgin, IL | 2 | $ 850,000 | $ 425,000 | $ 184,000 |
| Gary, IN | 2 | $ 320,000 | $ 160,000 | $ 166,000 |
| Grants Pass, OR | 2 | $ 260,000 | $ 130,000 | $ 93,000 |
| Greeley, CO | 2 | $ 3,010,000 | $ 1,505,000 | $ 393,000 |
| Greensboro-High Point, NC | 2 | $ 1,480,000 | $ 740,000 | $ 340,000 |
| Jackson, MS | 2 | $ 250,000 | $ 125,000 | $ 326,000 |
| Manchester-Nashua, NH | 2 | $ 810,000 | $ 405,000 | $ 363,000 |
| Niles-Benton Harbor, MI | 2 | $ 920,000 | $ 460,000 | $ 264,000 |
| Ogden-Clearfield, UT | 2 | $ 1,290,000 | $ 645,000 | $ 248,000 |
| Rochester, NY | 2 | $ 2,710,000 | $ 1,355,000 | $ 763,000 |
| Rockingham County-Strafford County, NH | 2 | $ 1,310,000 | $ 655,000 | $ 498,000 |
| Tuscaloosa, AL | 2 | $ 680,000 | $ 340,000 | $ 555,000 |
| Yuma, AZ | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Altoona, PA | 1 | $ 155,000 | $ 155,000 | $ 157,000 |
| Amarillo, TX | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Ames, IA | 1 | $ 685,000 | $ 685,000 | $ 446,000 |
| Anchorage, AK | 1 | $ 965,000 | $ 965,000 | $ 203,000 |
| Appleton, WI | 1 | $ 355,000 | $ 355,000 | $ 468,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 285,000 | $ 285,000 | $ 160,000 |
| Baton Rouge, LA | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Billings, MT | 1 | $ 505,000 | $ 505,000 | $ 204,000 |
| Bowling Green, KY | 1 | $ 305,000 | $ 305,000 | $ 127,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 745,000 | $ 745,000 | $ 266,000 |
| Burlington-South Burlington, VT | 1 | $ 405,000 | $ 405,000 | $ 459,000 |
| Charleston, WV | 1 | $ 825,000 | $ 825,000 | $ 216,000 |
| Cheyenne, WY | 1 | $ 235,000 | $ 235,000 | $ 120,000 |
| Chico, CA | 1 | $ 505,000 | $ 505,000 | $ 571,000 |
| Clarksville, TN-KY | 1 | $ 225,000 | $ 225,000 | $ 225,000 |
| Cleveland, TN | 1 | $ 365,000 | $ 365,000 | $ 300,000 |
| College Station-Bryan, TX | 1 | $ 305,000 | $ 305,000 | $ 1,000 |
| Columbus, GA-AL | 1 | $ 485,000 | $ 485,000 | $ 229,000 |
| Columbus, IN | 1 | $ 205,000 | $ 205,000 | $ 84,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 365,000 | $ 365,000 | $ 357,000 |
| Decatur, AL | 1 | $ 395,000 | $ 395,000 | $ 109,000 |
| Dover, DE | 1 | $ 205,000 | $ 205,000 | $ 123,000 |
| El Centro, CA | 1 | $ 165,000 | $ 165,000 | $ 61,000 |
| Erie, PA | 1 | $ 465,000 | $ 465,000 | $ 304,000 |
| Evansville, IN-KY | 1 | $ 115,000 | $ 115,000 | $ 78,000 |
| Fort Wayne, IN | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Gadsden, AL | 1 | $ 595,000 | $ 595,000 | $ 225,000 |
| Gettysburg, PA | 1 | $ 445,000 | $ 445,000 | $ 141,000 |
| Grand Junction, CO | 1 | $ 785,000 | $ 785,000 | $ 385,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 325,000 | $ 325,000 | $ 175,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 225,000 | $ 225,000 | $ 229,000 |
| Iowa City, IA | 1 | $ 155,000 | $ 155,000 | $ 285,000 |
| Jackson, TN | 1 | $ 1,925,000 | $ 1,925,000 | $ 586,000 |
| Janesville-Beloit, WI | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Jonesboro, AR | 1 | $ 55,000 | $ 55,000 | $ 88,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 305,000 | $ 305,000 | $ 209,000 |
| Lafayette, LA | 1 | $ 215,000 | $ 215,000 | $ 146,000 |
| Lincoln, NE | 1 | $ 395,000 | $ 395,000 | $ 104,000 |
| Longview, TX | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Lubbock, TX | 1 | $ 205,000 | $ 205,000 | $ 428,000 |
| Lynchburg, VA | 1 | $ 265,000 | $ 265,000 | $ 390,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Merced, CA | 1 | $ 145,000 | $ 145,000 | $ 297,000 |
| Michigan City-La Porte, IN | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Midland, TX | 1 | $ 1,365,000 | $ 1,365,000 | $ 334,000 |
| Missoula, MT | 1 | $ 405,000 | $ 405,000 | $ 125,000 |
| Monroe, LA | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| New Bern, NC | 1 | $ 195,000 | $ 195,000 | $ 92,000 |
| Olympia-Tumwater, WA | 1 | $ 1,855,000 | $ 1,855,000 | $ 709,000 |
| Oshkosh-Neenah, WI | 1 | $ 195,000 | $ 195,000 | $ 316,000 |
| Peoria, IL | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Pocatello, ID | 1 | $ 295,000 | $ 295,000 | $ 82,000 |
| Rapid City, SD | 1 | $ 615,000 | $ 615,000 | $ 297,000 |
| Reading, PA | 1 | $ 165,000 | $ 165,000 | $ 285,000 |
| Redding, CA | 1 | $ 275,000 | $ 275,000 | $ 347,000 |
| Roanoke, VA | 1 | $ 765,000 | $ 765,000 | $ 765,000 |
| Rockford, IL | 1 | $ 155,000 | $ 155,000 | $ 109,000 |
| Sheboygan, WI | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Shreveport-Bossier City, LA | 1 | $ 245,000 | $ 245,000 | $ 181,000 |
| Sioux Falls, SD | 1 | $ 235,000 | $ 235,000 | $ 187,000 |
| Springfield, OH | 1 | $ 565,000 | $ 565,000 | $ 299,000 |
| Staunton-Waynesboro, VA | 1 | $ 1,105,000 | $ 1,105,000 | $ 753,000 |
| Texarkana, TX-AR | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Toledo, OH | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Topeka, KS | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Tyler, TX | 1 | $ 275,000 | $ 275,000 | $ 266,000 |
| Wenatchee, WA | 1 | $ 825,000 | $ 825,000 | $ 378,000 |
| Wichita, KS | 1 | $ 255,000 | $ 255,000 | $ 194,000 |
| Winston-Salem, NC | 1 | $ 255,000 | $ 255,000 | $ 325,000 |
| Worcester, MA-CT | 1 | $ 325,000 | $ 325,000 | $ 637,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2023
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 | 2,738 | $2,434,960,000 | $889,000 | $11,905,000 | $451,000 | $9,530,000 |
| Cash-out Refinancing | 619 | $286,225,000 | $462,000 | $6,005,000 | $371,000 | $5,801,000 |
| Other Purpose | 419 | $344,305,000 | $821,000 | $18,545,000 | $423,000 | $9,026,000 |
| Refinancing | 284 | $254,210,000 | $895,000 | $5,505,000 | $469,000 | $5,133,000 |
| Home Improvement | 201 | $73,445,000 | $365,000 | $3,005,000 | $295,000 | $6,938,000 |
| 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 | 2,595 | $1,921,685,000 | $740,000 | $11,905,000 | $410,000 | $9,530,000 |
| Not Provided | 1,209 | $1,072,355,000 | $886,000 | $18,545,000 | $478,000 | $9,026,000 |
| Asian | 327 | $307,565,000 | $940,000 | $6,645,000 | $431,000 | $2,446,000 |
| Hispanic | 96 | $61,280,000 | $638,000 | $3,125,000 | $346,000 | $1,406,000 |
| Black or African American | 22 | $18,280,000 | $830,000 | $3,005,000 | $563,000 | $4,431,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $3,805,000 | $761,000 | $1,015,000 | $367,000 | $511,000 |
| American Indian or Alaskan Native | 5 | $7,055,000 | $1,411,000 | $6,415,000 | $372,000 | $1,402,000 |
| 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) | 4,261 | $3,393,145,000 | $796,000 | $18,545,000 | $430,000 | $9,530,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 2,727 | $2,641,515,000 | $968,000 | $18,545,000 | $494,000 | $9,530,000 |
| Loan Purchased By The Institution | 1,222 | $448,440,000 | $366,000 | $1,085,000 | $294,000 | $5,801,000 |
| Application Denied By Financial Institution | 215 | $200,565,000 | $932,000 | $10,405,000 | $370,000 | $1,813,000 |
| Application Approved But Not Accepted | 55 | $51,005,000 | $927,000 | $5,165,000 | $489,000 | $4,272,000 |
| Preapproval Denied by Financial Institution | 30 | $41,530,000 | $1,384,000 | $3,305,000 | $530,000 | $2,260,000 |
| Preapproval Approved but not Accepted | 12 | $10,090,000 | $840,000 | $1,985,000 | $360,000 | $816,000 |
| 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 | 4,016 | $3,151,050,000 | $784,000 | $18,545,000 | $433,000 | $9,530,000 |
| Debt-To-Income Ratio | 132 | $125,940,000 | $954,000 | $3,355,000 | $287,000 | $1,813,000 |
| Collateral | 56 | $44,340,000 | $791,000 | $3,325,000 | $484,000 | $1,808,000 |
| Other | 31 | $34,905,000 | $1,125,000 | $5,205,000 | $560,000 | $2,068,000 |
| Unverifiable Information | 13 | $14,905,000 | $1,146,000 | $5,495,000 | $344,000 | $1,378,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $5,885,000 | $1,177,000 | $3,755,000 | $480,000 | $925,000 |
| Credit Application Incomplete | 4 | $14,130,000 | $3,532,000 | $10,405,000 | $1,113,000 | $2,260,000 |
| Credit History | 4 | $1,990,000 | $497,000 | $1,025,000 | $289,000 | $444,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2023 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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