Charles Schwab Bank Mortgage Lending & HMDA Data, 2007

In 2007, Charles Schwab Bank of San Francisco, CA reported 9,114 mortgage applications totaling $3.5 billion. The average application was for $380,168, and applicants reported an average income of $174,147. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (376), Oakland-Fremont-Hayward, CA (304) and San Francisco-San Mateo-Redwood City, CA (289) (applications in parentheses).

Mortgage Company & Address Charles Schwab Bank
211 Main Street
San Francisco, CA 94105
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  
Total Number of Mortgage Applications 9,114
Total Mortgage Loan Application Amount $3,464,856,000
Average Mortgage Loan Application Amount $380,168
Highest Mortgage Loan Application Amount $7,000,000
Average Applicant Income $174,147
Highest Applicant Income $7,634,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Charles Schwab Bank by County in 2007

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 368 $ 118,019,000 $ 320,703 $ 138,000
Los Angeles, California 272 $ 167,949,000 $ 617,459 $ 219,000
Orange, California 185 $ 133,198,000 $ 719,989 $ 289,000
San Diego, California 183 $ 91,394,000 $ 499,420 $ 175,000
King, Washington 178 $ 88,178,000 $ 495,382 $ 198,000
Cook, Illinois 175 $ 59,443,000 $ 339,674 $ 173,000
Washoe, Nevada 157 $ 42,172,000 $ 268,611 $ 90,000
Alameda, California 154 $ 77,754,000 $ 504,896 $ 176,000
Santa Clara, California 152 $ 86,217,000 $ 567,217 $ 175,000
Contra Costa, California 150 $ 72,815,000 $ 485,433 $ 177,000
Clark, Nevada 131 $ 44,125,000 $ 336,832 $ 166,000
San Francisco, California 126 $ 90,974,000 $ 722,015 $ 254,000
Riverside, California 117 $ 44,370,000 $ 379,230 $ 150,000
New York, New York 114 $ 86,103,000 $ 755,289 $ 354,000
San Mateo, California 97 $ 58,222,000 $ 600,226 $ 213,000
Harris, Texas 84 $ 29,374,000 $ 349,690 $ 215,000
Travis, Texas 80 $ 23,635,000 $ 295,437 $ 163,000
Denver, Colorado 78 $ 31,347,000 $ 401,884 $ 167,000
Pima, Arizona 73 $ 18,867,000 $ 258,452 $ 120,000
Marin, California 66 $ 52,083,000 $ 789,136 $ 304,000
Fairfield, Connecticut 66 $ 55,616,000 $ 842,666 $ 496,000
Palm Beach, Florida 66 $ 25,295,000 $ 383,257 $ 159,000
Multnomah, Oregon 63 $ 17,986,000 $ 285,492 $ 143,000
Fulton, Georgia 62 $ 25,223,000 $ 406,822 $ 196,000
Sacramento, California 61 $ 19,062,000 $ 312,491 $ 162,000
Fairfax, Virginia 61 $ 27,507,000 $ 450,934 $ 254,000
Hennepin, Minnesota 59 $ 18,604,000 $ 315,322 $ 152,000
Dallas, Texas 58 $ 28,151,000 $ 485,362 $ 243,000
San Bernardino, California 54 $ 18,800,000 $ 348,148 $ 152,000
Westchester, New York 53 $ 31,917,000 $ 602,207 $ 282,000
Arapahoe, Colorado 52 $ 16,100,000 $ 309,615 $ 142,000
Broward, Florida 52 $ 23,002,000 $ 442,346 $ 173,000
Boulder, Colorado 51 $ 25,395,000 $ 497,941 $ 180,000
Douglas, Colorado 49 $ 14,967,000 $ 305,448 $ 133,000
Middlesex, Massachusetts 47 $ 26,433,000 $ 562,404 $ 254,000
Ventura, California 46 $ 23,368,000 $ 508,000 $ 182,000
Montgomery, Maryland 45 $ 23,542,000 $ 523,155 $ 183,000
Mecklenburg, North Carolina 45 $ 13,578,000 $ 301,733 $ 192,000
Lee, Florida 44 $ 15,917,000 $ 361,750 $ 177,000
Hamilton, Indiana 44 $ 8,632,000 $ 196,181 $ 119,000
Wake, North Carolina 44 $ 11,266,000 $ 256,045 $ 140,000
Tarrant, Texas 44 $ 8,751,000 $ 198,886 $ 134,000
Duval, Florida 42 $ 11,029,000 $ 262,595 $ 98,000
Honolulu, Hawaii 42 $ 18,492,000 $ 440,285 $ 192,000
Placer, California 40 $ 15,225,000 $ 380,625 $ 123,000
Suffolk, New York 40 $ 27,304,000 $ 682,600 $ 325,000
Orange, Florida 39 $ 12,917,000 $ 331,205 $ 129,000
Miami-Dade, Florida 38 $ 18,740,000 $ 493,157 $ 186,000
Pinellas, Florida 38 $ 11,386,000 $ 299,631 $ 164,000
Monmouth, New Jersey 38 $ 13,105,000 $ 344,868 $ 181,000
Sonoma, California 37 $ 17,201,000 $ 464,891 $ 173,000
Jefferson, Colorado 37 $ 9,047,000 $ 244,513 $ 135,000
Nassau, New York 36 $ 16,440,000 $ 456,666 $ 171,000
District of Columbia, District Of Columbia 34 $ 16,637,000 $ 489,323 $ 203,000
DuPage, Illinois 34 $ 11,804,000 $ 347,176 $ 143,000
Oakland, Michigan 34 $ 9,178,000 $ 269,941 $ 145,000
Bernalillo, New Mexico 34 $ 8,298,000 $ 244,058 $ 101,000
Kings, New York 33 $ 16,765,000 $ 508,030 $ 251,000
Clark, Washington 33 $ 10,331,000 $ 313,060 $ 124,000
Suffolk, Massachusetts 32 $ 17,512,000 $ 547,250 $ 392,000
Cobb, Georgia 31 $ 7,190,000 $ 231,935 $ 105,000
Ada, Idaho 31 $ 7,099,000 $ 229,000 $ 118,000
Norfolk, Massachusetts 31 $ 13,288,000 $ 428,645 $ 195,000
St. Louis, Missouri 31 $ 9,562,000 $ 308,451 $ 147,000
Snohomish, Washington 30 $ 8,810,000 $ 293,666 $ 124,000
Sarasota, Florida 29 $ 16,519,000 $ 569,620 $ 212,000
Salt Lake, Utah 29 $ 11,960,000 $ 412,413 $ 155,000
Lake, Illinois 28 $ 10,152,000 $ 362,571 $ 203,000
Bergen, New Jersey 28 $ 10,399,000 $ 371,392 $ 153,000
Charleston, South Carolina 28 $ 9,764,000 $ 348,714 $ 187,000
DeKalb, Georgia 27 $ 6,631,000 $ 245,592 $ 123,000
Marion, Indiana 27 $ 3,542,000 $ 131,185 $ 81,000
Santa Fe, New Mexico 27 $ 10,471,000 $ 387,814 $ 154,000
Cuyahoga, Ohio 27 $ 6,879,000 $ 254,777 $ 122,000
Deschutes, Oregon 27 $ 8,394,000 $ 310,888 $ 151,000
El Paso, Colorado 26 $ 8,071,000 $ 310,423 $ 138,000
Spokane, Washington 26 $ 6,668,000 $ 256,461 $ 287,000
Monterey, California 25 $ 18,817,000 $ 752,680 $ 250,000
San Luis Obispo, California 25 $ 12,561,000 $ 502,440 $ 178,000
Santa Barbara, California 25 $ 14,001,000 $ 560,040 $ 199,000
Collier, Florida 25 $ 10,998,000 $ 439,920 $ 217,000
Hillsborough, Florida 25 $ 6,386,000 $ 255,440 $ 190,000
Bucks, Pennsylvania 25 $ 7,654,000 $ 306,160 $ 144,000
Montgomery, Pennsylvania 25 $ 10,698,000 $ 427,920 $ 152,000
Montgomery, Texas 25 $ 6,979,000 $ 279,160 $ 193,000
Washington, Oregon 24 $ 7,557,000 $ 314,875 $ 130,000
Stanislaus, California 23 $ 6,225,000 $ 270,652 $ 107,000
Mercer, New Jersey 23 $ 6,204,000 $ 269,739 $ 195,000
Clackamas, Oregon 23 $ 12,310,000 $ 535,217 $ 303,000
Anchorage, Alaska 22 $ 5,171,000 $ 235,045 $ 120,000
Franklin, Ohio 22 $ 7,262,000 $ 330,090 $ 152,000
Williamson, Texas 22 $ 4,007,000 $ 182,136 $ 140,000
San Joaquin, California 21 $ 7,666,000 $ 365,047 $ 127,000
Seminole, Florida 21 $ 6,374,000 $ 303,523 $ 133,000
Arlington, Virginia 21 $ 7,970,000 $ 379,523 $ 190,000
El Dorado, California 20 $ 6,926,000 $ 346,300 $ 185,000
Kern, California 20 $ 6,004,000 $ 300,200 $ 146,000
Chatham, Georgia 20 $ 5,817,000 $ 290,850 $ 239,000
Will, Illinois 20 $ 5,978,000 $ 298,900 $ 130,000
Ramsey, Minnesota 20 $ 5,153,000 $ 257,650 $ 175,000
Middlesex, New Jersey 20 $ 5,899,000 $ 294,950 $ 126,000
Queens, New York 20 $ 6,842,000 $ 342,100 $ 148,000
Tulsa, Oklahoma 20 $ 4,300,000 $ 215,000 $ 120,000
Bexar, Texas 20 $ 5,326,000 $ 266,300 $ 170,000
Denton, Texas 20 $ 5,708,000 $ 285,400 $ 120,000
Loudoun, Virginia 20 $ 7,950,000 $ 397,500 $ 156,000
Yavapai, Arizona 19 $ 6,092,000 $ 320,631 $ 108,000
St. Johns, Florida 19 $ 5,444,000 $ 286,526 $ 139,000
Maui, Hawaii 19 $ 7,895,000 $ 415,526 $ 97,000
Hamilton, Ohio 19 $ 5,866,000 $ 308,736 $ 117,000
Chester, Pennsylvania 19 $ 7,471,000 $ 393,210 $ 172,000
Alexandria, Virginia 19 $ 7,266,000 $ 382,421 $ 139,000
New Castle, Delaware 18 $ 3,955,000 $ 219,722 $ 111,000
Anne Arundel, Maryland 18 $ 8,081,000 $ 448,944 $ 194,000
Jackson, Oregon 18 $ 4,978,000 $ 276,555 $ 140,000
Philadelphia, Pennsylvania 18 $ 5,832,000 $ 324,000 $ 155,000
Beaufort, South Carolina 18 $ 12,403,000 $ 689,055 $ 215,000
Collin, Texas 18 $ 4,212,000 $ 234,000 $ 116,000
Nevada, California 17 $ 6,602,000 $ 388,352 $ 129,000
Santa Cruz, California 17 $ 7,183,000 $ 422,529 $ 141,000
Summit, Colorado 17 $ 9,450,000 $ 555,882 $ 257,000
Hawaii, Hawaii 17 $ 7,043,000 $ 414,294 $ 171,000
Morris, New Jersey 17 $ 5,558,000 $ 326,941 $ 271,000
Williamson, Tennessee 17 $ 6,290,000 $ 370,000 $ 160,000
Larimer, Colorado 16 $ 5,290,000 $ 330,625 $ 259,000
Indian River, Florida 16 $ 4,166,000 $ 260,375 $ 147,000
Lake, Florida 16 $ 4,465,000 $ 279,062 $ 91,000
Volusia, Florida 16 $ 5,042,000 $ 315,125 $ 174,000
Johnson, Kansas 16 $ 4,960,000 $ 310,000 $ 154,000
Essex, Massachusetts 16 $ 6,482,000 $ 405,125 $ 211,000
Allegheny, Pennsylvania 16 $ 2,980,000 $ 186,250 $ 161,000
Eagle, Colorado 15 $ 9,128,000 $ 608,533 $ 295,000
Gwinnett, Georgia 15 $ 4,255,000 $ 283,666 $ 196,000
Wayne, Michigan 15 $ 4,515,000 $ 301,000 $ 121,000
Guilford, North Carolina 15 $ 4,046,000 $ 269,733 $ 131,000
Greenville, South Carolina 15 $ 3,093,000 $ 206,200 $ 111,000
Napa, California 14 $ 5,555,000 $ 396,785 $ 139,000
Solano, California 14 $ 4,487,000 $ 320,500 $ 201,000
Kane, Illinois 14 $ 4,248,000 $ 303,428 $ 121,000
Worcester, Massachusetts 14 $ 3,343,000 $ 238,785 $ 144,000
Washtenaw, Michigan 14 $ 3,118,000 $ 222,714 $ 133,000
Somerset, New Jersey 14 $ 4,855,000 $ 346,785 $ 114,000
Henderson, North Carolina 14 $ 4,218,000 $ 301,285 $ 122,000
Delaware, Pennsylvania 14 $ 4,028,000 $ 287,714 $ 215,000
Davidson, Tennessee 14 $ 3,111,000 $ 222,214 $ 115,000
Fort Bend, Texas 14 $ 2,996,000 $ 214,000 $ 155,000
Whatcom, Washington 14 $ 4,016,000 $ 286,857 $ 168,000
Navajo, Arizona 13 $ 2,662,000 $ 204,769 $ 120,000
New Haven, Connecticut 13 $ 5,761,000 $ 443,153 $ 272,000
Howard, Maryland 13 $ 4,276,000 $ 328,923 $ 156,000
Barnstable, Massachusetts 13 $ 4,667,000 $ 359,000 $ 205,000
Oklahoma, Oklahoma 13 $ 2,164,000 $ 166,461 $ 130,000
Pierce, Washington 13 $ 4,257,000 $ 327,461 $ 95,000
Adams, Colorado 12 $ 3,203,000 $ 266,916 $ 93,000
Hartford, Connecticut 12 $ 4,266,000 $ 355,500 $ 181,000
Middlesex, Connecticut 12 $ 4,991,000 $ 415,916 $ 171,000
Sussex, Delaware 12 $ 4,825,000 $ 402,083 $ 265,000
Bay, Florida 12 $ 4,741,000 $ 395,083 $ 173,000
Flagler, Florida 12 $ 2,822,000 $ 235,166 $ 102,000
Polk, Florida 12 $ 3,120,000 $ 260,000 $ 199,000
St. Lucie, Florida 12 $ 2,197,000 $ 183,083 $ 155,000
Cherokee, Georgia 12 $ 2,835,000 $ 236,250 $ 106,000
Kent, Michigan 12 $ 2,621,000 $ 218,416 $ 157,000
Macomb, Michigan 12 $ 1,894,000 $ 157,833 $ 80,000
Hillsborough, New Hampshire 12 $ 3,099,000 $ 258,250 $ 101,000
Cape May, New Jersey 12 $ 6,319,000 $ 526,583 $ 193,000
Essex, New Jersey 12 $ 5,898,000 $ 491,500 $ 207,000
Albany, New York 12 $ 2,643,000 $ 220,250 $ 160,000
Monroe, New York 12 $ 1,585,000 $ 132,083 $ 79,000
Horry, South Carolina 12 $ 2,349,000 $ 195,750 $ 92,000
Baldwin, Alabama 11 $ 3,367,000 $ 306,090 $ 143,000
Butte, California 11 $ 3,779,000 $ 343,545 $ 157,000
Fresno, California 11 $ 2,730,000 $ 248,181 $ 169,000
Pasco, Florida 11 $ 2,218,000 $ 201,636 $ 85,000
York, Maine 11 $ 2,641,000 $ 240,090 $ 246,000
Baltimore City, Maryland 11 $ 1,925,000 $ 175,000 $ 188,000
Jackson, Missouri 11 $ 1,965,000 $ 178,636 $ 93,000
Burlington, New Jersey 11 $ 2,705,000 $ 245,909 $ 118,000
Hudson, New Jersey 11 $ 6,473,000 $ 588,454 $ 271,000
Davis, Utah 11 $ 2,789,000 $ 253,545 $ 106,000
Chittenden, Vermont 11 $ 3,352,000 $ 304,727 $ 142,000
Kitsap, Washington 11 $ 4,260,000 $ 387,272 $ 181,000
Mendocino, California 10 $ 4,156,000 $ 415,600 $ 143,000
Mesa, Colorado 10 $ 1,583,000 $ 158,300 $ 187,000
Brevard, Florida 10 $ 2,120,000 $ 212,000 $ 114,000
Charlotte, Florida 10 $ 2,792,000 $ 279,200 $ 126,000
Okaloosa, Florida 10 $ 4,359,000 $ 435,900 $ 272,000
Sumter, Florida 10 $ 2,061,000 $ 206,100 $ 73,000
Jefferson, Kentucky 10 $ 3,145,000 $ 314,500 $ 191,000
St. Tammany, Louisiana 10 $ 1,766,000 $ 176,600 $ 142,000
Cumberland, Maine 10 $ 3,558,000 $ 355,800 $ 205,000
St. Charles, Missouri 10 $ 1,933,000 $ 193,300 $ 105,000
Douglas, Nebraska 10 $ 3,771,000 $ 377,100 $ 126,000
Galveston, Texas 10 $ 1,323,000 $ 132,300 $ 179,000
Utah, Utah 10 $ 1,979,000 $ 197,900 $ 96,000
Jefferson, Alabama 9 $ 2,698,000 $ 299,777 $ 261,000
Yolo, California 9 $ 3,038,000 $ 337,555 $ 89,000
Grand, Colorado 9 $ 3,514,000 $ 390,444 $ 309,000
Forsyth, Georgia 9 $ 2,228,000 $ 247,555 $ 242,000
Hendricks, Indiana 9 $ 2,532,000 $ 281,333 $ 239,000
Baltimore, Maryland 9 $ 2,073,000 $ 230,333 $ 143,000
Atlantic, New Jersey 9 $ 2,116,000 $ 235,111 $ 258,000
Camden, New Jersey 9 $ 2,221,000 $ 246,777 $ 116,000
Erie, New York 9 $ 1,516,000 $ 168,444 $ 158,000
Richmond, New York 9 $ 2,306,000 $ 256,222 $ 132,000
New Hanover, North Carolina 9 $ 1,622,000 $ 180,222 $ 116,000
Lane, Oregon 9 $ 1,763,000 $ 195,888 $ 110,000
Knox, Tennessee 9 $ 2,577,000 $ 286,333 $ 181,000
Island, Washington 9 $ 3,235,000 $ 359,444 $ 291,000
Pinal, Arizona 8 $ 2,889,000 $ 361,125 $ 88,000
Calaveras, California 8 $ 2,585,000 $ 323,125 $ 152,000
Shasta, California 8 $ 1,958,000 $ 244,750 $ 99,000
Glynn, Georgia 8 $ 2,825,000 $ 353,125 $ 210,000
Orleans, Louisiana 8 $ 2,558,000 $ 319,750 $ 138,000
Plymouth, Massachusetts 8 $ 1,948,000 $ 243,500 $ 142,000
Washington, Minnesota 8 $ 2,495,000 $ 311,875 $ 142,000
Hunterdon, New Jersey 8 $ 3,121,000 $ 390,125 $ 153,000
Ocean, New Jersey 8 $ 3,031,000 $ 378,875 $ 140,000
Ulster, New York 8 $ 2,946,000 $ 368,250 $ 186,000
Buncombe, North Carolina 8 $ 1,752,000 $ 219,000 $ 73,000
Marion, Oregon 8 $ 2,350,000 $ 293,750 $ 134,000
Lancaster, Pennsylvania 8 $ 1,892,000 $ 236,500 $ 80,000
York, South Carolina 8 $ 1,664,000 $ 208,000 $ 90,000
Hamilton, Tennessee 8 $ 1,009,000 $ 126,125 $ 135,000
Shelby, Tennessee 8 $ 1,795,000 $ 224,375 $ 101,000
Summit, Utah 8 $ 4,798,000 $ 599,750 $ 260,000
Prince William, Virginia 8 $ 3,313,000 $ 414,125 $ 143,000
Virginia Beach, Virginia 8 $ 3,162,000 $ 395,250 $ 127,000
Dane, Wisconsin 8 $ 2,163,000 $ 270,375 $ 117,000
Milwaukee, Wisconsin 8 $ 1,385,000 $ 173,125 $ 85,000
Cochise, Arizona 7 $ 1,261,000 $ 180,142 $ 79,000
Mohave, Arizona 7 $ 1,676,000 $ 239,428 $ 394,000
Citrus, Florida 7 $ 1,337,000 $ 191,000 $ 110,000
Manatee, Florida 7 $ 2,062,000 $ 294,571 $ 117,000
Jefferson, Louisiana 7 $ 1,155,000 $ 165,000 $ 114,000
Prince George's, Maryland 7 $ 2,015,000 $ 287,857 $ 106,000
Dakota, Minnesota 7 $ 1,599,000 $ 228,428 $ 119,000
Missoula, Montana 7 $ 2,925,000 $ 417,857 $ 211,000
Lancaster, Nebraska 7 $ 1,124,000 $ 160,571 $ 79,000
Douglas, Nevada 7 $ 3,375,000 $ 482,142 $ 99,000
Union, New Jersey 7 $ 4,143,000 $ 591,857 $ 221,000
Sandoval, New Mexico 7 $ 2,078,000 $ 296,857 $ 109,000
Orange, New York 7 $ 1,970,000 $ 281,428 $ 146,000
Rockland, New York 7 $ 5,190,000 $ 741,428 $ 300,000
Durham, North Carolina 7 $ 1,174,000 $ 167,714 $ 134,000
Dauphin, Pennsylvania 7 $ 1,308,000 $ 186,857 $ 70,000
Monroe, Pennsylvania 7 $ 1,467,000 $ 209,571 $ 126,000
Washington, Rhode Island 7 $ 2,806,000 $ 400,857 $ 250,000
Norfolk, Virginia 7 $ 1,513,000 $ 216,142 $ 96,000
Waukesha, Wisconsin 7 $ 3,130,000 $ 447,142 $ 234,000
Coconino, Arizona 6 $ 2,772,000 $ 462,000 $ 249,000
Humboldt, California 6 $ 1,455,000 $ 242,500 $ 94,000
Tulare, California 6 $ 2,085,000 $ 347,500 $ 105,000
Park, Colorado 6 $ 1,522,000 $ 253,666 $ 130,000
Pitkin, Colorado 6 $ 6,007,000 $ 1,001,166 $ 538,000
Alachua, Florida 6 $ 1,046,000 $ 174,333 $ 156,000
Leon, Florida 6 $ 1,352,000 $ 225,333 $ 133,000
Monroe, Florida 6 $ 5,841,000 $ 973,500 $ 1,157,000
Coweta, Georgia 6 $ 1,138,000 $ 189,666 $ 168,000
Bonner, Idaho 6 $ 2,697,000 $ 449,500 $ 122,000
Lake, Indiana 6 $ 1,732,000 $ 288,666 $ 168,000
Polk, Iowa 6 $ 1,756,000 $ 292,666 $ 146,000
East Baton Rouge, Louisiana 6 $ 1,136,000 $ 189,333 $ 149,000
Talbot, Maryland 6 $ 2,778,000 $ 463,000 $ 288,000
Kalamazoo, Michigan 6 $ 1,895,000 $ 315,833 $ 185,000
St. Joseph, Michigan 6 $ 888,000 $ 148,000 $ 85,000
Merrimack, New Hampshire 6 $ 1,203,000 $ 200,500 $ 152,000
Warren, New Jersey 6 $ 1,483,000 $ 247,166 $ 71,000
Dutchess, New York 6 $ 1,296,000 $ 216,000 $ 134,000
Union, North Carolina 6 $ 2,414,000 $ 402,333 $ 127,000
Delaware, Ohio 6 $ 1,566,000 $ 261,000 $ 144,000
Montgomery, Ohio 6 $ 656,000 $ 109,333 $ 102,000
Summit, Ohio 6 $ 1,278,000 $ 213,000 $ 97,000
Lincoln, Oregon 6 $ 1,635,000 $ 272,500 $ 107,000
Newport, Rhode Island 6 $ 1,741,000 $ 290,166 $ 182,000
Providence, Rhode Island 6 $ 1,895,000 $ 315,833 $ 108,000
Oconee, South Carolina 6 $ 1,875,000 $ 312,500 $ 200,000
Lubbock, Texas 6 $ 1,121,000 $ 186,833 $ 191,000
Washington, Utah 6 $ 2,212,000 $ 368,666 $ 139,000
Albemarle, Virginia 6 $ 1,561,000 $ 260,166 $ 129,000
Henrico, Virginia 6 $ 1,260,000 $ 210,000 $ 192,000
Richmond City, Virginia 6 $ 2,057,000 $ 342,833 $ 105,000
Benton, Washington 6 $ 909,000 $ 151,500 $ 83,000
Thurston, Washington 6 $ 1,111,000 $ 185,166 $ 58,000
Walworth, Wisconsin 6 $ 1,113,000 $ 185,500 $ 139,000
Shelby, Alabama 5 $ 1,191,000 $ 238,200 $ 142,000
Garland, Arkansas 5 $ 1,496,000 $ 299,200 $ 250,000
Pulaski, Arkansas 5 $ 1,225,000 $ 245,000 $ 155,000
Inyo, California 5 $ 1,345,000 $ 269,000 $ 127,000
Broomfield, Colorado 5 $ 1,269,000 $ 253,800 $ 104,000
Chaffee, Colorado 5 $ 677,000 $ 135,400 $ 111,000
Elbert, Colorado 5 $ 1,140,000 $ 228,000 $ 209,000
Routt, Colorado 5 $ 2,937,000 $ 587,400 $ 582,000
Marion, Florida 5 $ 1,132,000 $ 226,400 $ 107,000
Martin, Florida 5 $ 3,192,000 $ 638,400 $ 262,000
Osceola, Florida 5 $ 1,979,000 $ 395,800 $ 231,000
Carroll, Maryland 5 $ 941,000 $ 188,200 $ 114,000
Worcester, Maryland 5 $ 2,148,000 $ 429,600 $ 229,000
Bristol, Massachusetts 5 $ 1,115,000 $ 223,000 $ 149,000
Hampden, Massachusetts 5 $ 858,000 $ 171,600 $ 74,000
Livingston, Michigan 5 $ 1,228,000 $ 245,600 $ 87,000
Madison, Mississippi 5 $ 1,226,000 $ 245,200 $ 177,000
Franklin, Missouri 5 $ 643,000 $ 128,600 $ 69,000
St. Louis City, Missouri 5 $ 989,000 $ 197,800 $ 60,000
Grafton, New Hampshire 5 $ 1,405,000 $ 281,000 $ 219,000
Rockingham, New Hampshire 5 $ 1,060,000 $ 212,000 $ 164,000
Columbia, New York 5 $ 913,000 $ 182,600 $ 120,000
Brunswick, North Carolina 5 $ 1,919,000 $ 383,800 $ 313,000
Cabarrus, North Carolina 5 $ 722,000 $ 144,400 $ 156,000
Chatham, North Carolina 5 $ 1,780,000 $ 356,000 $ 122,000
Forsyth, North Carolina 5 $ 1,164,000 $ 232,800 $ 114,000
Erie, Ohio 5 $ 810,000 $ 162,000 $ 75,000
Cleveland, Oklahoma 5 $ 867,000 $ 173,400 $ 128,000
Clatsop, Oregon 5 $ 2,137,000 $ 427,400 $ 271,000
Linn, Oregon 5 $ 778,000 $ 155,600 $ 63,000
Kent, Rhode Island 5 $ 1,953,000 $ 390,600 $ 184,000
Lexington, South Carolina 5 $ 1,839,000 $ 367,800 $ 205,000
Brazos, Texas 5 $ 603,000 $ 120,600 $ 169,000
Chelan, Washington 5 $ 1,206,000 $ 241,200 $ 153,000
Jefferson, Washington 5 $ 1,205,000 $ 241,000 $ 89,000
Teton, Wyoming 5 $ 4,604,000 $ 920,800 $ 769,000
Madison, Alabama 4 $ 950,000 $ 237,500 $ 127,000
Tuscaloosa, Alabama 4 $ 757,000 $ 189,250 $ 146,000
Matanuska-Susitna, Alaska 4 $ 678,000 $ 169,500 $ 112,000
Benton, Arkansas 4 $ 937,000 $ 234,250 $ 146,000
La Plata, Colorado 4 $ 1,074,000 $ 268,500 $ 54,000
Pueblo, Colorado 4 $ 585,000 $ 146,250 $ 97,000
Escambia, Florida 4 $ 734,000 $ 183,500 $ 111,000
Highlands, Florida 4 $ 331,000 $ 82,750 $ 59,000
Nassau, Florida 4 $ 2,019,000 $ 504,750 $ 297,000
Clayton, Georgia 4 $ 628,000 $ 157,000 $ 58,000
Fayette, Georgia 4 $ 989,000 $ 247,250 $ 86,000
Kootenai, Idaho 4 $ 3,073,000 $ 768,250 $ 329,000
Madison, Illinois 4 $ 718,000 $ 179,500 $ 66,000
Johnson, Indiana 4 $ 940,000 $ 235,000 $ 75,000
LaPorte, Indiana 4 $ 1,045,000 $ 261,250 $ 112,000
St. Joseph, Indiana 4 $ 541,000 $ 135,250 $ 106,000
Lincoln, Maine 4 $ 1,420,000 $ 355,000 $ 110,000
Harford, Maryland 4 $ 2,025,000 $ 506,250 $ 134,000
Queen Anne's, Maryland 4 $ 1,396,000 $ 349,000 $ 163,000
Nantucket, Massachusetts 4 $ 2,572,000 $ 643,000 $ 422,000
Leelanau, Michigan 4 $ 1,667,000 $ 416,750 $ 165,000
Wright, Minnesota 4 $ 1,236,000 $ 309,000 $ 109,000
Lamar, Mississippi 4 $ 661,000 $ 165,250 $ 226,000
Gallatin, Montana 4 $ 2,124,000 $ 531,000 $ 209,000
Gloucester, New Jersey 4 $ 484,000 $ 121,000 $ 63,000
Passaic, New Jersey 4 $ 1,004,000 $ 251,000 $ 101,000
Dona Ana, New Mexico 4 $ 1,218,000 $ 304,500 $ 175,000
Carteret, North Carolina 4 $ 1,323,000 $ 330,750 $ 262,000
Jackson, North Carolina 4 $ 1,099,000 $ 274,750 $ 125,000
Transylvania, North Carolina 4 $ 458,000 $ 114,500 $ 79,000
Warren, North Carolina 4 $ 1,396,000 $ 349,000 $ 173,000
Butler, Ohio 4 $ 588,000 $ 147,000 $ 102,000
Lake, Ohio 4 $ 607,000 $ 151,750 $ 157,000
Lorain, Ohio 4 $ 1,170,000 $ 292,500 $ 142,000
Lucas, Ohio 4 $ 859,000 $ 214,750 $ 232,000
Stark, Ohio 4 $ 702,000 $ 175,500 $ 95,000
Tillamook, Oregon 4 $ 1,286,000 $ 321,500 $ 136,000
Northampton, Pennsylvania 4 $ 668,000 $ 167,000 $ 341,000
York, Pennsylvania 4 $ 858,000 $ 214,500 $ 92,000
Aiken, South Carolina 4 $ 550,000 $ 137,500 $ 118,000
Spartanburg, South Carolina 4 $ 1,139,000 $ 284,750 $ 87,000
Comal, Texas 4 $ 1,334,000 $ 333,500 $ 109,000
El Paso, Texas 4 $ 1,230,000 $ 307,500 $ 207,000
Guadalupe, Texas 4 $ 741,000 $ 185,250 $ 239,000
Hays, Texas 4 $ 691,000 $ 172,750 $ 64,000
Nueces, Texas 4 $ 665,000 $ 166,250 $ 135,000
Chesapeake, Virginia 4 $ 991,000 $ 247,750 $ 114,000
Montgomery, Virginia 4 $ 1,299,000 $ 324,750 $ 331,000
Clallam, Washington 4 $ 948,000 $ 237,000 $ 95,000
Grant, Washington 4 $ 721,000 $ 180,250 $ 250,000
Skagit, Washington 4 $ 1,377,000 $ 344,250 $ 209,000
Ozaukee, Wisconsin 4 $ 657,000 $ 164,250 $ 89,000
Kenai Peninsula, Alaska 3 $ 470,000 $ 156,666 $ 90,000
Alpine, California 3 $ 1,007,000 $ 335,666 $ 252,000
Amador, California 3 $ 1,368,000 $ 456,000 $ 223,000
Mono, California 3 $ 2,401,000 $ 800,333 $ 258,000
Siskiyou, California 3 $ 1,248,000 $ 416,000 $ 140,000
Weld, Colorado 3 $ 453,000 $ 151,000 $ 44,000
Clay, Florida 3 $ 624,000 $ 208,000 $ 106,000
Santa Rosa, Florida 3 $ 694,000 $ 231,333 $ 90,000
Douglas, Georgia 3 $ 479,000 $ 159,666 $ 75,000
Jackson, Georgia 3 $ 1,034,000 $ 344,666 $ 118,000
Troup, Georgia 3 $ 532,000 $ 177,333 $ 236,000
Blaine, Idaho 3 $ 3,291,000 $ 1,097,000 $ 287,000
Teton, Idaho 3 $ 1,838,000 $ 612,666 $ 158,000
McHenry, Illinois 3 $ 684,000 $ 228,000 $ 118,000
Allen, Indiana 3 $ 418,000 $ 139,333 $ 214,000
Madison, Indiana 3 $ 326,000 $ 108,666 $ 65,000
Warrick, Indiana 3 $ 912,000 $ 304,000 $ 128,000
Sedgwick, Kansas 3 $ 640,000 $ 213,333 $ 123,000
Fayette, Kentucky 3 $ 553,000 $ 184,333 $ 100,000
Warren, Kentucky 3 $ 532,000 $ 177,333 $ 65,000
Calcasieu, Louisiana 3 $ 817,000 $ 272,333 $ 159,000
Hancock, Maine 3 $ 818,000 $ 272,666 $ 96,000
Knox, Maine 3 $ 1,507,000 $ 502,333 $ 339,000
Hampshire, Massachusetts 3 $ 522,000 $ 174,000 $ 52,000
Berrien, Michigan 3 $ 868,000 $ 289,333 $ 349,000
Ottawa, Michigan 3 $ 606,000 $ 202,000 $ 130,000
Anoka, Minnesota 3 $ 663,000 $ 221,000 $ 68,000
Carver, Minnesota 3 $ 884,000 $ 294,666 $ 172,000
Sherburne, Minnesota 3 $ 744,000 $ 248,000 $ 103,000
St. Louis, Minnesota 3 $ 376,000 $ 125,333 $ 93,000
Harrison, Mississippi 3 $ 561,000 $ 187,000 $ 70,000
Camden, Missouri 3 $ 1,124,000 $ 374,666 $ 288,000
Cass, Missouri 3 $ 716,000 $ 238,666 $ 111,000
Clay, Missouri 3 $ 591,000 $ 197,000 $ 101,000
Greene, Missouri 3 $ 855,000 $ 285,000 $ 88,000
Jefferson, Missouri 3 $ 494,000 $ 164,666 $ 100,000
Flathead, Montana 3 $ 1,206,000 $ 402,000 $ 116,000
Elko, Nevada 3 $ 536,000 $ 178,666 $ 273,000
Lyon, Nevada 3 $ 591,000 $ 197,000 $ 351,000
Belknap, New Hampshire 3 $ 526,000 $ 175,333 $ 256,000
Salem, New Jersey 3 $ 485,000 $ 161,666 $ 58,000
Sussex, New Jersey 3 $ 734,000 $ 244,666 $ 68,000
Bronx, New York 3 $ 772,000 $ 257,333 $ 97,000
Rensselaer, New York 3 $ 672,000 $ 224,000 $ 65,000
Saratoga, New York 3 $ 850,000 $ 283,333 $ 93,000
Catawba, North Carolina 3 $ 1,645,000 $ 548,333 $ 249,000
Dare, North Carolina 3 $ 842,000 $ 280,666 $ 141,000
Johnston, North Carolina 3 $ 354,000 $ 118,000 $ 80,000
Macon, North Carolina 3 $ 1,484,000 $ 494,666 $ 90,000
Orange, North Carolina 3 $ 1,106,000 $ 368,666 $ 313,000
Watauga, North Carolina 3 $ 1,344,000 $ 448,000 $ 175,000
Cass, North Dakota 3 $ 459,000 $ 153,000 $ 106,000
Clermont, Ohio 3 $ 959,000 $ 319,666 $ 148,000
Fairfield, Ohio 3 $ 446,000 $ 148,666 $ 78,000
Hancock, Ohio 3 $ 486,000 $ 162,000 $ 99,000
Licking, Ohio 3 $ 403,000 $ 134,333 $ 749,000
Medina, Ohio 3 $ 778,000 $ 259,333 $ 128,000
Warren, Ohio 3 $ 565,000 $ 188,333 $ 120,000
Delaware, Oklahoma 3 $ 539,000 $ 179,666 $ 96,000
Hood River, Oregon 3 $ 1,354,000 $ 451,333 $ 220,000
Berks, Pennsylvania 3 $ 417,000 $ 139,000 $ 68,000
Butler, Pennsylvania 3 $ 574,000 $ 191,333 $ 139,000
Centre, Pennsylvania 3 $ 808,000 $ 269,333 $ 296,000
Lehigh, Pennsylvania 3 $ 1,183,000 $ 394,333 $ 106,000
Mercer, Pennsylvania 3 $ 297,000 $ 99,000 $ 89,000
Anderson, South Carolina 3 $ 1,134,000 $ 378,000 $ 316,000
Berkeley, South Carolina 3 $ 971,000 $ 323,666 $ 96,000
Pickens, South Carolina 3 $ 1,424,000 $ 474,666 $ 174,000
Blount, Tennessee 3 $ 637,000 $ 212,333 $ 91,000
Loudon, Tennessee 3 $ 719,000 $ 239,666 $ 98,000
Montgomery, Tennessee 3 $ 221,000 $ 73,666 $ 35,000
Sevier, Tennessee 3 $ 586,000 $ 195,333 $ 189,000
Sumner, Tennessee 3 $ 647,000 $ 215,666 $ 70,000
Brazoria, Texas 3 $ 722,000 $ 240,666 $ 178,000
Burnet, Texas 3 $ 510,000 $ 170,000 $ 112,000
Cameron, Texas 3 $ 475,000 $ 158,333 $ 92,000
Gillespie, Texas 3 $ 1,075,000 $ 358,333 $ 81,000
Grayson, Texas 3 $ 646,000 $ 215,333 $ 161,000
Jefferson, Texas 3 $ 409,000 $ 136,333 $ 94,000
Kerr, Texas 3 $ 449,000 $ 149,666 $ 50,000
McLennan, Texas 3 $ 702,000 $ 234,000 $ 159,000
Rockwall, Texas 3 $ 507,000 $ 169,000 $ 277,000
Windsor, Vermont 3 $ 647,000 $ 215,666 $ 116,000
Fluvanna, Virginia 3 $ 965,000 $ 321,666 $ 144,000
Hampton, Virginia 3 $ 477,000 $ 159,000 $ 59,000
Northampton, Virginia 3 $ 1,865,000 $ 621,666 $ 168,000
Suffolk, Virginia 3 $ 567,000 $ 189,000 $ 131,000
York, Virginia 3 $ 658,000 $ 219,333 $ 89,000
Grays Harbor, Washington 3 $ 908,000 $ 302,666 $ 94,000
Okanogan, Washington 3 $ 670,000 $ 223,333 $ 123,000
Monongalia, West Virginia 3 $ 417,000 $ 139,000 $ 82,000
Raleigh, West Virginia 3 $ 269,000 $ 89,666 $ 90,000
Brown, Wisconsin 3 $ 572,000 $ 190,666 $ 93,000
Oneida, Wisconsin 3 $ 1,177,000 $ 392,333 $ 175,000
Lee, Alabama 2 $ 330,000 $ 165,000 $ 193,000
Gila, Arizona 2 $ 483,000 $ 241,500 $ 118,000
Santa Cruz, Arizona 2 $ 527,000 $ 263,500 $ 117,000
Franklin, Arkansas 2 $ 325,000 $ 162,500 $ 130,000
Saline, Arkansas 2 $ 401,000 $ 200,500 $ 77,000
White, Arkansas 2 $ 352,000 $ 176,000 $ 61,000
Lake, California 2 $ 455,000 $ 227,500 $ 104,000
Madera, California 2 $ 244,000 $ 122,000 $ 79,000
Merced, California 2 $ 270,000 $ 135,000 $ 59,000
Modoc, California 2 $ 226,000 $ 113,000 $ 77,000
Fremont, Colorado 2 $ 212,000 $ 106,000 $ 82,000
Teller, Colorado 2 $ 588,000 $ 294,000 $ 117,000
Litchfield, Connecticut 2 $ 460,000 $ 230,000 $ 252,000
New London, Connecticut 2 $ 489,000 $ 244,500 $ 137,000
DeSoto, Florida 2 $ 312,000 $ 156,000 $ 111,000
Gulf, Florida 2 $ 885,000 $ 442,500 $ 203,000
Taylor, Florida 2 $ 366,000 $ 183,000 $ 119,000
Walton, Florida 2 $ 662,000 $ 331,000 $ 80,000
Camden, Georgia 2 $ 246,000 $ 123,000 $ 58,000
Dawson, Georgia 2 $ 834,000 $ 417,000 $ 315,000
Henry, Georgia 2 $ 327,000 $ 163,500 $ 107,000
Houston, Georgia 2 $ 290,000 $ 145,000 $ 213,000
Lowndes, Georgia 2 $ 431,000 $ 215,500 $ 149,000
Lumpkin, Georgia 2 $ 350,000 $ 175,000 $ 91,000
Stephens, Georgia 2 $ 412,000 $ 206,000 $ 247,000
Thomas, Georgia 2 $ 378,000 $ 189,000 $ 91,000
Union, Georgia 2 $ 166,000 $ 83,000 $ 79,000
Walton, Georgia 2 $ 440,000 $ 220,000 $ 58,000
White, Georgia 2 $ 452,000 $ 226,000 $ 89,000
Adams, Idaho 2 $ 425,000 $ 212,500 $ 99,000
Bonneville, Idaho 2 $ 1,108,000 $ 554,000 $ 484,000
Canyon, Idaho 2 $ 658,000 $ 329,000 $ 93,000
Fremont, Idaho 2 $ 425,000 $ 212,500 $ 83,000
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Mortgage Loan Application Detail Totals for Charles Schwab Bank in 2007

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 4,798 $1,879,330,000 $391,000 $5,000,000 $192,000 $7,634,000
Refinancing 4,099 $1,491,835,000 $363,000 $7,000,000 $154,000 $4,806,000
Home Improvement 217 $93,691,000 $431,000 $2,500,000 $160,000 $1,271,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 6,572 $2,411,692,000 $366,000 $7,000,000 $173,000 $7,634,000
Not Provided 1,618 $693,833,000 $428,000 $4,600,000 $187,000 $4,169,000
Asian 485 $207,833,000 $428,000 $3,251,000 $176,000 $1,276,000
Hispanic 247 $92,478,000 $374,000 $3,500,000 $158,000 $3,018,000
Black or African American 117 $31,247,000 $267,000 $1,408,000 $139,000 $1,210,000
American Indian or Alaskan Native 36 $13,967,000 $387,000 $1,600,000 $177,000 $566,000
Native Hawaiian or Other Pacific Islander 30 $12,296,000 $409,000 $1,600,000 $133,000 $460,000
Not applicable 9 $1,510,000 $167,000 $249,000 $41,000 $51,000

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) 9,114 $3,464,856,000 $380,000 $7,000,000 $174,000 $7,634,000
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 6,088 $2,040,357,000 $335,000 $7,000,000 $170,000 $7,634,000
Application Approved But Not Accepted 1,490 $733,069,000 $491,000 $5,000,000 $225,000 $5,599,000
Application Denied By Financial Institution 1,396 $646,666,000 $463,000 $3,964,000 $148,000 $2,400,000
Loan Purchased By The Institution 71 $11,905,000 $167,000 $308,000 $39,000 $51,000
File Closed For Incompleteness 27 $6,757,000 $250,000 $680,000 $130,000 $350,000
Application Withdrawn By Applicant 26 $20,328,000 $781,000 $2,000,000 $244,000 $680,000
Preapproval Approved but not Accepted 16 $5,774,000 $360,000 $700,000 $139,000 $275,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Debt-To-Income Ratio 703 $362,027,000 $514,000 $3,964,000 $115,000 $1,392,000
Collateral 287 $100,301,000 $349,000 $2,000,000 $166,000 $1,126,000
Credit History 126 $42,770,000 $339,000 $1,600,000 $133,000 $1,210,000
Other 115 $61,145,000 $531,000 $2,800,000 $265,000 $1,407,000
Credit Application Incomplete 75 $43,662,000 $582,000 $2,000,000 $210,000 $944,000
Insufficient Cash (Downpayment, Closing Cost) 42 $14,637,000 $348,000 $1,045,000 $115,000 $384,000
Unverifiable Information 30 $16,914,000 $563,000 $2,496,000 $197,000 $500,000
Employment History 18 $5,210,000 $289,000 $580,000 $239,000 $2,400,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank's 2007 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'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.
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