Charles Schwab Bank Mortgage Lending & HMDA Data, 2009

In 2009, Charles Schwab Bank of San Francisco, CA reported 27,961 mortgage applications totaling $9.4 billion, up 30% from 2008. The average application was for $336,515, and applicants reported an average income of $167,899. 46% of its applications resulted in an originated loan and 17% were denied. Its largest markets were San Francisco-San Mateo-Redwood City, CA (1,659), Oakland-Fremont-Hayward, CA (1,470) and Los Angeles-Long Beach-Glendale, CA (1,104) (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 27,961
Total Mortgage Loan Application Amount $9,409,305,000
Average Mortgage Loan Application Amount $336,515
Highest Mortgage Loan Application Amount $5,839,000
Average Applicant Income $167,899
Highest Applicant Income $7,395,000

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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 1,104 $ 506,666,000 $ 458,936 $ 197,000
Santa Clara, California 985 $ 476,671,000 $ 483,929 $ 181,000
Orange, California 981 $ 443,004,000 $ 451,584 $ 195,000
Alameda, California 809 $ 328,969,000 $ 406,636 $ 160,000
Maricopa, Arizona 793 $ 227,613,000 $ 287,027 $ 130,000
San Diego, California 780 $ 314,975,000 $ 403,814 $ 176,000
San Francisco, California 712 $ 354,212,000 $ 497,488 $ 212,000
Contra Costa, California 661 $ 273,999,000 $ 414,521 $ 180,000
Cook, Illinois 581 $ 192,765,000 $ 331,781 $ 192,000
San Mateo, California 576 $ 278,558,000 $ 483,607 $ 205,000
King, Washington 532 $ 189,221,000 $ 355,678 $ 167,000
Marin, California 371 $ 199,542,000 $ 537,849 $ 226,000
Riverside, California 282 $ 80,108,000 $ 284,070 $ 157,000
Douglas, Colorado 262 $ 77,441,000 $ 295,576 $ 148,000
Clark, Nevada 251 $ 67,614,000 $ 269,378 $ 150,000
Sonoma, California 243 $ 89,322,000 $ 367,580 $ 145,000
Denver, Colorado 230 $ 68,572,000 $ 298,139 $ 168,000
Placer, California 221 $ 71,413,000 $ 323,135 $ 159,000
Fulton, Georgia 220 $ 77,390,000 $ 351,772 $ 191,000
Harris, Texas 220 $ 68,249,000 $ 310,222 $ 211,000
Sacramento, California 217 $ 57,606,000 $ 265,465 $ 131,000
Middlesex, Massachusetts 217 $ 74,848,000 $ 344,921 $ 171,000
Montgomery, Maryland 216 $ 86,805,000 $ 401,875 $ 205,000
New York, New York 216 $ 144,252,000 $ 667,833 $ 362,000
Fairfax, Virginia 206 $ 81,830,000 $ 397,233 $ 193,000
Arapahoe, Colorado 186 $ 54,488,000 $ 292,946 $ 147,000
Boulder, Colorado 186 $ 59,065,000 $ 317,553 $ 158,000
Pima, Arizona 185 $ 44,936,000 $ 242,897 $ 118,000
Travis, Texas 179 $ 54,435,000 $ 304,106 $ 158,000
Washoe, Nevada 175 $ 50,764,000 $ 290,080 $ 150,000
Fairfield, Connecticut 172 $ 84,278,000 $ 489,988 $ 226,000
DuPage, Illinois 167 $ 45,336,000 $ 271,473 $ 148,000
Palm Beach, Florida 152 $ 45,914,000 $ 302,065 $ 186,000
Jefferson, Colorado 150 $ 42,069,000 $ 280,460 $ 130,000
Hennepin, Minnesota 150 $ 43,700,000 $ 291,333 $ 157,000
Multnomah, Oregon 149 $ 46,214,000 $ 310,161 $ 150,000
Dallas, Texas 140 $ 54,718,000 $ 390,842 $ 214,000
Broward, Florida 137 $ 39,964,000 $ 291,708 $ 171,000
Ventura, California 133 $ 47,080,000 $ 353,984 $ 131,000
San Bernardino, California 132 $ 33,031,000 $ 250,234 $ 141,000
Lake, Illinois 129 $ 38,810,000 $ 300,852 $ 167,000
Hamilton, Indiana 122 $ 28,071,000 $ 230,090 $ 133,000
Wake, North Carolina 122 $ 32,599,000 $ 267,204 $ 124,000
District of Columbia, District Of Columbia 117 $ 51,236,000 $ 437,914 $ 194,000
Westchester, New York 117 $ 56,189,000 $ 480,247 $ 247,000
Monmouth, New Jersey 112 $ 37,339,000 $ 333,383 $ 186,000
Tarrant, Texas 109 $ 26,516,000 $ 243,266 $ 173,000
Honolulu, Hawaii 105 $ 39,784,000 $ 378,895 $ 147,000
St. Louis, Missouri 101 $ 26,484,000 $ 262,217 $ 151,000
Monterey, California 99 $ 41,173,000 $ 415,888 $ 224,000
Cobb, Georgia 99 $ 25,105,000 $ 253,585 $ 139,000
Santa Barbara, California 98 $ 52,535,000 $ 536,071 $ 185,000
Norfolk, Massachusetts 97 $ 34,994,000 $ 360,762 $ 206,000
DeKalb, Georgia 95 $ 24,199,000 $ 254,726 $ 146,000
Suffolk, New York 95 $ 47,257,000 $ 497,442 $ 241,000
Nevada, California 94 $ 32,620,000 $ 347,021 $ 151,000
Ada, Idaho 94 $ 19,241,000 $ 204,691 $ 128,000
Nassau, New York 90 $ 33,373,000 $ 370,811 $ 182,000
Mecklenburg, North Carolina 90 $ 26,708,000 $ 296,755 $ 156,000
San Luis Obispo, California 88 $ 30,668,000 $ 348,500 $ 129,000
Orange, Florida 87 $ 22,723,000 $ 261,183 $ 169,000
Johnson, Kansas 85 $ 17,707,000 $ 208,317 $ 117,000
Oakland, Michigan 85 $ 19,720,000 $ 232,000 $ 146,000
Collin, Texas 85 $ 19,317,000 $ 227,258 $ 152,000
Miami-Dade, Florida 84 $ 28,095,000 $ 334,464 $ 201,000
Snohomish, Washington 81 $ 21,694,000 $ 267,827 $ 136,000
El Paso, Colorado 80 $ 23,138,000 $ 289,225 $ 133,000
Collier, Florida 80 $ 31,323,000 $ 391,537 $ 239,000
Lee, Florida 80 $ 21,990,000 $ 274,875 $ 200,000
Santa Cruz, California 77 $ 27,012,000 $ 350,805 $ 141,000
Hartford, Connecticut 77 $ 18,166,000 $ 235,922 $ 157,000
Suffolk, Massachusetts 77 $ 24,329,000 $ 315,961 $ 169,000
Kings, New York 76 $ 31,651,000 $ 416,460 $ 170,000
Marion, Indiana 75 $ 13,857,000 $ 184,760 $ 112,000
Morris, New Jersey 75 $ 29,167,000 $ 388,893 $ 172,000
Bergen, New Jersey 73 $ 24,355,000 $ 333,630 $ 160,000
Duval, Florida 72 $ 21,180,000 $ 294,166 $ 143,000
Washington, Oregon 72 $ 18,778,000 $ 260,805 $ 121,000
El Dorado, California 71 $ 22,195,000 $ 312,605 $ 162,000
Loudoun, Virginia 71 $ 27,232,000 $ 383,549 $ 168,000
Chester, Pennsylvania 70 $ 23,577,000 $ 336,814 $ 175,000
Clackamas, Oregon 69 $ 19,947,000 $ 289,086 $ 139,000
Pinellas, Florida 68 $ 17,267,000 $ 253,926 $ 225,000
Philadelphia, Pennsylvania 68 $ 18,437,000 $ 271,132 $ 127,000
Gwinnett, Georgia 67 $ 14,034,000 $ 209,462 $ 121,000
Bernalillo, New Mexico 67 $ 14,255,000 $ 212,761 $ 120,000
Deschutes, Oregon 67 $ 27,420,000 $ 409,253 $ 138,000
Bucks, Pennsylvania 67 $ 18,755,000 $ 279,925 $ 154,000
Hillsborough, Florida 66 $ 18,153,000 $ 275,045 $ 211,000
Denton, Texas 65 $ 17,984,000 $ 276,676 $ 169,000
Pierce, Washington 65 $ 19,357,000 $ 297,800 $ 139,000
Napa, California 63 $ 28,802,000 $ 457,174 $ 207,000
Will, Illinois 63 $ 15,991,000 $ 253,825 $ 129,000
Essex, Massachusetts 62 $ 20,391,000 $ 328,887 $ 229,000
Montgomery, Pennsylvania 62 $ 20,169,000 $ 325,306 $ 199,000
Solano, California 61 $ 15,158,000 $ 248,491 $ 148,000
Sarasota, Florida 61 $ 19,695,000 $ 322,868 $ 149,000
Ocean, New Jersey 58 $ 13,898,000 $ 239,620 $ 138,000
Santa Fe, New Mexico 58 $ 23,662,000 $ 407,965 $ 149,000
Cuyahoga, Ohio 58 $ 12,870,000 $ 221,896 $ 184,000
Anchorage, Alaska 57 $ 14,864,000 $ 260,771 $ 145,000
Spokane, Washington 56 $ 11,026,000 $ 196,892 $ 111,000
Somerset, New Jersey 55 $ 20,366,000 $ 370,290 $ 218,000
Middlesex, New Jersey 54 $ 12,997,000 $ 240,685 $ 130,000
Jackson, Oregon 54 $ 15,586,000 $ 288,629 $ 108,000
Salt Lake, Utah 54 $ 11,720,000 $ 217,037 $ 124,000
Arlington, Virginia 54 $ 19,171,000 $ 355,018 $ 180,000
Kitsap, Washington 54 $ 15,983,000 $ 295,981 $ 125,000
Summit, Colorado 53 $ 23,468,000 $ 442,792 $ 230,000
Essex, New Jersey 53 $ 20,164,000 $ 380,452 $ 201,000
Kane, Illinois 52 $ 14,681,000 $ 282,326 $ 182,000
Franklin, Ohio 52 $ 12,020,000 $ 231,153 $ 184,000
Bexar, Texas 52 $ 13,831,000 $ 265,980 $ 184,000
Ramsey, Minnesota 50 $ 10,209,000 $ 204,180 $ 112,000
Allegheny, Pennsylvania 50 $ 10,436,000 $ 208,720 $ 115,000
Yavapai, Arizona 49 $ 15,649,000 $ 319,367 $ 131,000
Stanislaus, California 49 $ 10,663,000 $ 217,612 $ 110,000
Seminole, Florida 49 $ 11,786,000 $ 240,530 $ 110,000
Beaufort, South Carolina 49 $ 17,024,000 $ 347,428 $ 221,000
Mercer, New Jersey 48 $ 14,536,000 $ 302,833 $ 163,000
Clark, Washington 48 $ 12,114,000 $ 252,375 $ 123,000
San Joaquin, California 47 $ 10,135,000 $ 215,638 $ 120,000
Larimer, Colorado 47 $ 11,102,000 $ 236,212 $ 104,000
Buncombe, North Carolina 47 $ 16,135,000 $ 343,297 $ 138,000
Worcester, Massachusetts 45 $ 10,452,000 $ 232,266 $ 139,000
Washtenaw, Michigan 45 $ 11,586,000 $ 257,466 $ 155,000
Plymouth, Massachusetts 44 $ 13,570,000 $ 308,409 $ 181,000
Burlington, New Jersey 44 $ 10,554,000 $ 239,863 $ 105,000
Union, New Jersey 44 $ 14,633,000 $ 332,568 $ 199,000
Oklahoma, Oklahoma 44 $ 13,431,000 $ 305,250 $ 151,000
Fort Bend, Texas 44 $ 9,769,000 $ 222,022 $ 159,000
Montgomery, Texas 44 $ 11,389,000 $ 258,840 $ 191,000
Charleston, South Carolina 43 $ 18,012,000 $ 418,883 $ 247,000
Williamson, Texas 43 $ 8,008,000 $ 186,232 $ 136,000
St. Johns, Florida 42 $ 14,518,000 $ 345,666 $ 196,000
Anne Arundel, Maryland 42 $ 15,389,000 $ 366,404 $ 200,000
Fresno, California 41 $ 9,369,000 $ 228,512 $ 142,000
Summit, Ohio 41 $ 8,278,000 $ 201,902 $ 109,000
Tulsa, Oklahoma 41 $ 9,061,000 $ 221,000 $ 119,000
Shelby, Tennessee 41 $ 10,478,000 $ 255,560 $ 184,000
Adams, Colorado 40 $ 8,981,000 $ 224,525 $ 100,000
Volusia, Florida 40 $ 8,485,000 $ 212,125 $ 118,000
Baltimore, Maryland 40 $ 10,875,000 $ 271,875 $ 134,000
Delaware, Pennsylvania 40 $ 13,192,000 $ 329,800 $ 202,000
Forsyth, Georgia 39 $ 9,193,000 $ 235,717 $ 104,000
Jackson, Missouri 39 $ 8,764,000 $ 224,717 $ 99,000
Hamilton, Ohio 39 $ 11,417,000 $ 292,743 $ 142,000
Jefferson, Kentucky 38 $ 8,133,000 $ 214,026 $ 132,000
Lane, Oregon 38 $ 9,036,000 $ 237,789 $ 97,000
Dakota, Minnesota 37 $ 8,523,000 $ 230,351 $ 121,000
Greenville, South Carolina 37 $ 9,130,000 $ 246,756 $ 127,000
Kern, California 36 $ 8,874,000 $ 246,500 $ 143,000
New Castle, Delaware 36 $ 7,819,000 $ 217,194 $ 122,000
Hudson, New Jersey 36 $ 12,139,000 $ 337,194 $ 149,000
Queens, New York 36 $ 12,747,000 $ 354,083 $ 165,000
Milwaukee, Wisconsin 36 $ 9,245,000 $ 256,805 $ 156,000
New Haven, Connecticut 35 $ 13,149,000 $ 375,685 $ 365,000
Jefferson, Alabama 34 $ 8,943,000 $ 263,029 $ 190,000
Howard, Maryland 34 $ 11,169,000 $ 328,500 $ 157,000
Camden, New Jersey 34 $ 6,731,000 $ 197,970 $ 123,000
Maui, Hawaii 33 $ 14,736,000 $ 446,545 $ 165,000
Wayne, Michigan 33 $ 7,732,000 $ 234,303 $ 142,000
Hillsborough, New Hampshire 33 $ 7,034,000 $ 213,151 $ 108,000
Prince William, Virginia 33 $ 9,692,000 $ 293,696 $ 128,000
Yolo, California 32 $ 10,025,000 $ 313,281 $ 169,000
Manatee, Florida 32 $ 9,873,000 $ 308,531 $ 199,000
Barnstable, Massachusetts 32 $ 10,239,000 $ 319,968 $ 221,000
Summit, Utah 32 $ 17,544,000 $ 548,250 $ 265,000
Alexandria, Virginia 32 $ 12,349,000 $ 385,906 $ 192,000
Sussex, Delaware 31 $ 11,930,000 $ 384,838 $ 255,000
Lake, Florida 31 $ 6,235,000 $ 201,129 $ 89,000
St. Charles, Missouri 31 $ 5,638,000 $ 181,870 $ 117,000
Rockingham, New Hampshire 31 $ 9,166,000 $ 295,677 $ 208,000
Washington, Minnesota 30 $ 7,704,000 $ 256,800 $ 106,000
Orange, North Carolina 30 $ 8,020,000 $ 267,333 $ 171,000
Brevard, Florida 29 $ 6,650,000 $ 229,310 $ 114,000
Pinal, Arizona 28 $ 7,128,000 $ 254,571 $ 97,000
Navajo, Arizona 27 $ 4,889,000 $ 181,074 $ 127,000
Cumberland, Maine 27 $ 6,714,000 $ 248,666 $ 153,000
Davidson, Tennessee 27 $ 8,005,000 $ 296,481 $ 150,000
Eagle, Colorado 26 $ 15,334,000 $ 589,769 $ 300,000
Polk, Florida 26 $ 5,554,000 $ 213,615 $ 118,000
Hawaii, Hawaii 26 $ 10,305,000 $ 396,346 $ 164,000
Douglas, Nevada 26 $ 8,780,000 $ 337,692 $ 188,000
Williamson, Tennessee 26 $ 7,909,000 $ 304,192 $ 132,000
Island, Washington 26 $ 7,220,000 $ 277,692 $ 234,000
Coconino, Arizona 25 $ 7,619,000 $ 304,760 $ 204,000
Cherokee, Georgia 25 $ 4,844,000 $ 193,760 $ 101,000
Atlantic, New Jersey 25 $ 6,647,000 $ 265,880 $ 221,000
Hunterdon, New Jersey 25 $ 8,343,000 $ 333,720 $ 164,000
Henderson, North Carolina 25 $ 5,682,000 $ 227,280 $ 123,000
Horry, South Carolina 25 $ 5,605,000 $ 224,200 $ 142,000
Galveston, Texas 25 $ 5,208,000 $ 208,320 $ 504,000
Pulaski, Arkansas 24 $ 4,847,000 $ 201,958 $ 108,000
La Plata, Colorado 24 $ 7,210,000 $ 300,416 $ 121,000
Chatham, Georgia 24 $ 6,527,000 $ 271,958 $ 163,000
Cape May, New Jersey 24 $ 13,514,000 $ 563,083 $ 368,000
Sandoval, New Mexico 24 $ 6,416,000 $ 267,333 $ 101,000
Calaveras, California 23 $ 6,506,000 $ 282,869 $ 159,000
Grand, Colorado 23 $ 7,867,000 $ 342,043 $ 210,000
Litchfield, Connecticut 23 $ 8,364,000 $ 363,652 $ 220,000
Charlotte, Florida 23 $ 4,734,000 $ 205,826 $ 112,000
Prince George's, Maryland 23 $ 5,704,000 $ 248,000 $ 119,000
Durham, North Carolina 23 $ 4,678,000 $ 203,391 $ 117,000
Sumter, Florida 22 $ 4,619,000 $ 209,954 $ 89,000
Monroe, New York 22 $ 3,307,000 $ 150,318 $ 103,000
Providence, Rhode Island 22 $ 5,772,000 $ 262,363 $ 132,000
Knox, Tennessee 22 $ 4,575,000 $ 207,954 $ 112,000
Virginia Beach, Virginia 22 $ 6,704,000 $ 304,727 $ 152,000
Butte, California 21 $ 5,705,000 $ 271,666 $ 145,000
McHenry, Illinois 21 $ 4,864,000 $ 231,619 $ 102,000
Bristol, Massachusetts 21 $ 6,121,000 $ 291,476 $ 169,000
Erie, New York 21 $ 3,058,000 $ 145,619 $ 123,000
Guilford, North Carolina 21 $ 4,946,000 $ 235,523 $ 127,000
Delaware, Ohio 21 $ 4,992,000 $ 237,714 $ 128,000
Lancaster, Pennsylvania 21 $ 4,438,000 $ 211,333 $ 127,000
Chesterfield, Virginia 21 $ 4,929,000 $ 234,714 $ 139,000
Whatcom, Washington 21 $ 6,267,000 $ 298,428 $ 108,000
Polk, Iowa 20 $ 3,611,000 $ 180,550 $ 124,000
Baltimore City, Maryland 20 $ 4,972,000 $ 248,600 $ 146,000
St. Louis City, Missouri 20 $ 4,485,000 $ 224,250 $ 212,000
Douglas, Nebraska 20 $ 3,891,000 $ 194,550 $ 280,000
Dauphin, Pennsylvania 20 $ 3,613,000 $ 180,650 $ 97,000
Skagit, Washington 20 $ 4,173,000 $ 208,650 $ 123,000
Shelby, Alabama 19 $ 6,400,000 $ 336,842 $ 163,000
Merced, California 19 $ 4,144,000 $ 218,105 $ 137,000
Broomfield, Colorado 19 $ 5,262,000 $ 276,947 $ 123,000
Alachua, Florida 19 $ 3,578,000 $ 188,315 $ 139,000
Nassau, Florida 19 $ 6,035,000 $ 317,631 $ 140,000
Pasco, Florida 19 $ 3,454,000 $ 181,789 $ 103,000
Sedgwick, Kansas 19 $ 3,858,000 $ 203,052 $ 126,000
Orleans, Louisiana 19 $ 5,060,000 $ 266,315 $ 159,000
York, Maine 19 $ 5,063,000 $ 266,473 $ 178,000
Frederick, Maryland 19 $ 4,602,000 $ 242,210 $ 111,000
Rockland, New York 19 $ 4,986,000 $ 262,421 $ 133,000
Union, North Carolina 19 $ 4,736,000 $ 249,263 $ 107,000
Benton, Oregon 19 $ 4,252,000 $ 223,789 $ 92,000
Baldwin, Alabama 18 $ 5,700,000 $ 316,666 $ 226,000
Madison, Alabama 18 $ 3,425,000 $ 190,277 $ 210,000
Indian River, Florida 18 $ 7,317,000 $ 406,500 $ 174,000
Hall, Georgia 18 $ 5,619,000 $ 312,166 $ 301,000
Kootenai, Idaho 18 $ 6,019,000 $ 334,388 $ 192,000
Hendricks, Indiana 18 $ 3,153,000 $ 175,166 $ 122,000
St. Tammany, Louisiana 18 $ 3,809,000 $ 211,611 $ 109,000
Warren, Ohio 18 $ 5,328,000 $ 296,000 $ 134,000
Northampton, Pennsylvania 18 $ 4,169,000 $ 231,611 $ 143,000
Washington, Utah 18 $ 4,034,000 $ 224,111 $ 95,000
James City, Virginia 18 $ 4,986,000 $ 277,000 $ 193,000
Thurston, Washington 18 $ 5,318,000 $ 295,444 $ 98,000
Shasta, California 16 $ 3,796,000 $ 237,250 $ 93,000
Weld, Colorado 16 $ 3,949,000 $ 246,812 $ 185,000
Johnson, Indiana 16 $ 2,974,000 $ 185,875 $ 143,000
Caddo, Louisiana 16 $ 4,040,000 $ 252,500 $ 195,000
Scott, Minnesota 16 $ 4,749,000 $ 296,812 $ 149,000
Clay, Missouri 16 $ 2,169,000 $ 135,562 $ 94,000
Orange, New York 16 $ 3,646,000 $ 227,875 $ 137,000
New Hanover, North Carolina 16 $ 5,204,000 $ 325,250 $ 256,000
Medina, Ohio 16 $ 3,346,000 $ 209,125 $ 156,000
Jefferson, Washington 16 $ 5,846,000 $ 365,375 $ 265,000
Waukesha, Wisconsin 16 $ 4,468,000 $ 279,250 $ 146,000
Routt, Colorado 15 $ 5,969,000 $ 397,933 $ 262,000
Martin, Florida 15 $ 5,718,000 $ 381,200 $ 308,000
Monroe, Florida 15 $ 7,802,000 $ 520,133 $ 234,000
Okaloosa, Florida 15 $ 4,982,000 $ 332,133 $ 227,000
Walton, Florida 15 $ 5,202,000 $ 346,800 $ 180,000
Worcester, Maryland 15 $ 5,732,000 $ 382,133 $ 136,000
Kent, Michigan 15 $ 3,687,000 $ 245,800 $ 162,000
Gloucester, New Jersey 15 $ 3,352,000 $ 223,466 $ 208,000
Bronx, New York 15 $ 4,659,000 $ 310,600 $ 154,000
Chittenden, Vermont 15 $ 4,291,000 $ 286,066 $ 144,000
Henrico, Virginia 15 $ 4,177,000 $ 278,466 $ 148,000
Dane, Wisconsin 15 $ 3,959,000 $ 263,933 $ 168,000
Lake, California 14 $ 3,277,000 $ 234,071 $ 111,000
Lake, Indiana 14 $ 2,697,000 $ 192,642 $ 79,000
East Baton Rouge, Louisiana 14 $ 3,100,000 $ 221,428 $ 158,000
Anoka, Minnesota 14 $ 2,744,000 $ 196,000 $ 117,000
Greene, Missouri 14 $ 2,282,000 $ 163,000 $ 90,000
Passaic, New Jersey 14 $ 3,540,000 $ 252,857 $ 139,000
Saratoga, New York 14 $ 2,761,000 $ 197,214 $ 126,000
Brunswick, North Carolina 14 $ 6,485,000 $ 463,214 $ 993,000
Moore, North Carolina 14 $ 3,617,000 $ 258,357 $ 228,000
Lorain, Ohio 14 $ 1,850,000 $ 132,142 $ 94,000
Montgomery, Ohio 14 $ 2,651,000 $ 189,357 $ 119,000
Newport, Rhode Island 14 $ 5,078,000 $ 362,714 $ 333,000
Washington, Rhode Island 14 $ 4,789,000 $ 342,071 $ 230,000
Hays, Texas 14 $ 3,359,000 $ 239,928 $ 212,000
Utah, Utah 14 $ 4,274,000 $ 305,285 $ 174,000
Albemarle, Virginia 14 $ 3,374,000 $ 241,000 $ 114,000
Benton, Arkansas 13 $ 2,669,000 $ 205,307 $ 122,000
Elbert, Colorado 13 $ 4,781,000 $ 367,769 $ 171,000
Garfield, Colorado 13 $ 4,304,000 $ 331,076 $ 110,000
St. Lucie, Florida 13 $ 2,050,000 $ 157,692 $ 106,000
Macomb, Michigan 13 $ 1,903,000 $ 146,384 $ 105,000
Carver, Minnesota 13 $ 5,192,000 $ 399,384 $ 136,000
Merrimack, New Hampshire 13 $ 2,687,000 $ 206,692 $ 107,000
Dona Ana, New Mexico 13 $ 2,383,000 $ 183,307 $ 253,000
Lehigh, Pennsylvania 13 $ 3,270,000 $ 251,538 $ 143,000
Kent, Rhode Island 13 $ 3,965,000 $ 305,000 $ 161,000
Richland, South Carolina 13 $ 2,991,000 $ 230,076 $ 131,000
York, South Carolina 13 $ 3,573,000 $ 274,846 $ 111,000
El Paso, Texas 13 $ 2,427,000 $ 186,692 $ 173,000
Mohave, Arizona 12 $ 2,262,000 $ 188,500 $ 100,000
Mendocino, California 12 $ 3,695,000 $ 307,916 $ 201,000
San Benito, California 12 $ 2,751,000 $ 229,250 $ 85,000
Tulare, California 12 $ 2,577,000 $ 214,750 $ 124,000
Mesa, Colorado 12 $ 2,202,000 $ 183,500 $ 76,000
Osceola, Florida 12 $ 2,499,000 $ 208,250 $ 105,000
Blaine, Idaho 12 $ 5,438,000 $ 453,166 $ 146,000
Bonner, Idaho 12 $ 3,857,000 $ 321,416 $ 222,000
Monroe, Indiana 12 $ 2,404,000 $ 200,333 $ 137,000
Tippecanoe, Indiana 12 $ 1,721,000 $ 143,416 $ 167,000
Queen Anne's, Maryland 12 $ 4,408,000 $ 367,333 $ 140,000
Madison, Mississippi 12 $ 2,510,000 $ 209,166 $ 291,000
Grafton, New Hampshire 12 $ 2,493,000 $ 207,750 $ 150,000
Richmond, New York 12 $ 3,300,000 $ 275,000 $ 134,000
Cabarrus, North Carolina 12 $ 1,987,000 $ 165,583 $ 147,000
Forsyth, North Carolina 12 $ 2,310,000 $ 192,500 $ 125,000
Iredell, North Carolina 12 $ 4,515,000 $ 376,250 $ 105,000
York, Pennsylvania 12 $ 2,056,000 $ 171,333 $ 162,000
Benton, Washington 12 $ 2,377,000 $ 198,083 $ 138,000
Chelan, Washington 12 $ 3,169,000 $ 264,083 $ 185,000
Gila, Arizona 11 $ 3,191,000 $ 290,090 $ 133,000
Madera, California 11 $ 1,873,000 $ 170,272 $ 68,000
Plumas, California 11 $ 5,086,000 $ 462,363 $ 181,000
Bay, Florida 11 $ 2,463,000 $ 223,909 $ 126,000
Leon, Florida 11 $ 3,150,000 $ 286,363 $ 146,000
Marion, Florida 11 $ 1,982,000 $ 180,181 $ 76,000
Fayette, Georgia 11 $ 3,317,000 $ 301,545 $ 147,000
Kauai, Hawaii 11 $ 5,315,000 $ 483,181 $ 228,000
Valley, Idaho 11 $ 2,963,000 $ 269,363 $ 131,000
Boone, Indiana 11 $ 2,351,000 $ 213,727 $ 102,000
Talbot, Maryland 11 $ 3,716,000 $ 337,818 $ 231,000
Nantucket, Massachusetts 11 $ 9,174,000 $ 834,000 $ 305,000
Gallatin, Montana 11 $ 5,723,000 $ 520,272 $ 177,000
Putnam, New York 11 $ 2,424,000 $ 220,363 $ 103,000
Chatham, North Carolina 11 $ 4,412,000 $ 401,090 $ 147,000
Watauga, North Carolina 11 $ 3,787,000 $ 344,272 $ 243,000
Marion, Oregon 11 $ 2,104,000 $ 191,272 $ 101,000
Cumberland, Pennsylvania 11 $ 1,951,000 $ 177,363 $ 144,000
Berkeley, South Carolina 11 $ 3,330,000 $ 302,727 $ 226,000
Hamilton, Tennessee 11 $ 2,368,000 $ 215,272 $ 126,000
Loudon, Tennessee 11 $ 4,534,000 $ 412,181 $ 118,000
Smith, Texas 11 $ 2,180,000 $ 198,181 $ 115,000
Davis, Utah 11 $ 2,785,000 $ 253,181 $ 97,000
Fauquier, Virginia 11 $ 3,108,000 $ 282,545 $ 154,000
Cowlitz, Washington 11 $ 2,158,000 $ 196,181 $ 89,000
San Juan, Washington 11 $ 4,312,000 $ 392,000 $ 229,000
Matanuska-Susitna, Alaska 10 $ 1,906,000 $ 190,600 $ 151,000
New London, Connecticut 10 $ 2,668,000 $ 266,800 $ 194,000
Berkshire, Massachusetts 10 $ 2,771,000 $ 277,100 $ 220,000
Kalamazoo, Michigan 10 $ 1,180,000 $ 118,000 $ 69,000
Ottawa, Michigan 10 $ 3,713,000 $ 371,300 $ 161,000
Missoula, Montana 10 $ 2,730,000 $ 273,000 $ 100,000
Sussex, New Jersey 10 $ 2,547,000 $ 254,700 $ 252,000
Dare, North Carolina 10 $ 2,870,000 $ 287,000 $ 125,000
Westmoreland, Pennsylvania 10 $ 1,844,000 $ 184,400 $ 121,000
Norfolk, Virginia 10 $ 1,771,000 $ 177,100 $ 89,000
Clallam, Washington 10 $ 2,884,000 $ 288,400 $ 164,000
St. Croix, Wisconsin 10 $ 2,466,000 $ 246,600 $ 132,000
Cochise, Arizona 9 $ 1,581,000 $ 175,666 $ 179,000
Amador, California 9 $ 2,789,000 $ 309,888 $ 124,000
Citrus, Florida 9 $ 2,075,000 $ 230,555 $ 93,000
Flagler, Florida 9 $ 1,873,000 $ 208,111 $ 133,000
Coweta, Georgia 9 $ 1,913,000 $ 212,555 $ 105,000
Champaign, Illinois 9 $ 1,775,000 $ 197,222 $ 158,000
Hancock, Indiana 9 $ 1,638,000 $ 182,000 $ 94,000
Douglas, Kansas 9 $ 1,703,000 $ 189,222 $ 83,000
Jefferson, Louisiana 9 $ 1,868,000 $ 207,555 $ 118,000
Carroll, Maryland 9 $ 3,047,000 $ 338,555 $ 120,000
Garrett, Maryland 9 $ 2,948,000 $ 327,555 $ 220,000
Dukes, Massachusetts 9 $ 5,082,000 $ 564,666 $ 225,000
Hampden, Massachusetts 9 $ 1,736,000 $ 192,888 $ 98,000
Livingston, Michigan 9 $ 2,351,000 $ 261,222 $ 125,000
Camden, Missouri 9 $ 2,527,000 $ 280,777 $ 265,000
Dutchess, New York 9 $ 2,249,000 $ 249,888 $ 110,000
Lucas, Ohio 9 $ 1,455,000 $ 161,666 $ 86,000
Berks, Pennsylvania 9 $ 1,338,000 $ 148,666 $ 88,000
Butler, Pennsylvania 9 $ 2,333,000 $ 259,222 $ 107,000
Lexington, South Carolina 9 $ 1,915,000 $ 212,777 $ 97,000
Ozaukee, Wisconsin 9 $ 2,819,000 $ 313,222 $ 197,000
Winnebago, Wisconsin 9 $ 1,767,000 $ 196,333 $ 117,000
Garland, Arkansas 8 $ 1,801,000 $ 225,125 $ 81,000
Inyo, California 8 $ 2,160,000 $ 270,000 $ 154,000
Mono, California 8 $ 2,570,000 $ 321,250 $ 175,000
Tuolumne, California 8 $ 1,684,000 $ 210,500 $ 94,000
Park, Colorado 8 $ 2,835,000 $ 354,375 $ 141,000
Pueblo, Colorado 8 $ 1,475,000 $ 184,375 $ 172,000
Teller, Colorado 8 $ 1,863,000 $ 232,875 $ 79,000
Middlesex, Connecticut 8 $ 2,510,000 $ 313,750 $ 211,000
Clay, Florida 8 $ 1,606,000 $ 200,750 $ 81,000
Escambia, Florida 8 $ 1,895,000 $ 236,875 $ 249,000
Glynn, Georgia 8 $ 2,032,000 $ 254,000 $ 123,000
LaPorte, Indiana 8 $ 1,198,000 $ 149,750 $ 98,000
St. Joseph, Indiana 8 $ 1,187,000 $ 148,375 $ 118,000
Harford, Maryland 8 $ 2,474,000 $ 309,250 $ 120,000
Berrien, Michigan 8 $ 1,649,000 $ 206,125 $ 123,000
Carson City, Nevada 8 $ 1,976,000 $ 247,000 $ 89,000
Belknap, New Hampshire 8 $ 2,334,000 $ 291,750 $ 268,000
Warren, New Jersey 8 $ 2,055,000 $ 256,875 $ 102,000
Albany, New York 8 $ 1,709,000 $ 213,625 $ 138,000
Carteret, North Carolina 8 $ 4,057,000 $ 507,125 $ 366,000
Jackson, North Carolina 8 $ 3,276,000 $ 409,500 $ 130,000
Lincoln, North Carolina 8 $ 1,875,000 $ 234,375 $ 117,000
Lincoln, Oregon 8 $ 2,321,000 $ 290,125 $ 116,000
Aiken, South Carolina 8 $ 1,586,000 $ 198,250 $ 117,000
Georgetown, South Carolina 8 $ 2,731,000 $ 341,375 $ 115,000
Oconee, South Carolina 8 $ 4,209,000 $ 526,125 $ 221,000
Comal, Texas 8 $ 4,718,000 $ 589,750 $ 175,000
Parker, Texas 8 $ 2,290,000 $ 286,250 $ 108,000
Rutland, Vermont 8 $ 1,564,000 $ 195,500 $ 188,000
Chesapeake, Virginia 8 $ 2,193,000 $ 274,125 $ 114,000
Franklin, Virginia 8 $ 2,589,000 $ 323,625 $ 117,000
Richmond City, Virginia 8 $ 1,952,000 $ 244,000 $ 111,000
Yakima, Washington 8 $ 1,584,000 $ 198,000 $ 176,000
Humboldt, California 7 $ 1,846,000 $ 263,714 $ 70,000
Pitkin, Colorado 7 $ 7,197,000 $ 1,028,142 $ 710,000
Tolland, Connecticut 7 $ 1,686,000 $ 240,857 $ 115,000
Santa Rosa, Florida 7 $ 1,311,000 $ 187,285 $ 134,000
Habersham, Georgia 7 $ 1,615,000 $ 230,714 $ 88,000
Canyon, Idaho 7 $ 1,116,000 $ 159,428 $ 129,000
Allen, Indiana 7 $ 1,049,000 $ 149,857 $ 114,000
Warrick, Indiana 7 $ 1,311,000 $ 187,285 $ 124,000
Hancock, Maine 7 $ 1,502,000 $ 214,571 $ 310,000
Jackson, Michigan 7 $ 1,501,000 $ 214,428 $ 106,000
Leelanau, Michigan 7 $ 2,734,000 $ 390,571 $ 147,000
Olmsted, Minnesota 7 $ 1,439,000 $ 205,571 $ 132,000
Strafford, New Hampshire 7 $ 1,443,000 $ 206,142 $ 115,000
Lincoln, New Mexico 7 $ 1,250,000 $ 178,571 $ 92,000
San Juan, New Mexico 7 $ 2,443,000 $ 349,000 $ 115,000
Columbia, New York 7 $ 1,851,000 $ 264,428 $ 221,000
Washington, New York 7 $ 1,355,000 $ 193,571 $ 81,000
Haywood, North Carolina 7 $ 2,031,000 $ 290,142 $ 90,000
Butler, Ohio 7 $ 1,390,000 $ 198,571 $ 103,000
Clermont, Ohio 7 $ 1,228,000 $ 175,428 $ 146,000
Geauga, Ohio 7 $ 1,230,000 $ 175,714 $ 74,000
Stark, Ohio 7 $ 929,000 $ 132,714 $ 93,000
Columbia, Oregon 7 $ 1,229,000 $ 175,571 $ 59,000
Curry, Oregon 7 $ 1,517,000 $ 216,714 $ 80,000
Polk, Oregon 7 $ 1,459,000 $ 208,428 $ 151,000
Lebanon, Pennsylvania 7 $ 1,536,000 $ 219,428 $ 220,000
Bristol, Rhode Island 7 $ 1,875,000 $ 267,857 $ 405,000
Anderson, South Carolina 7 $ 2,074,000 $ 296,285 $ 143,000
Sumner, Tennessee 7 $ 1,583,000 $ 226,142 $ 85,000
Bell, Texas 7 $ 1,387,000 $ 198,142 $ 229,000
Brazoria, Texas 7 $ 1,786,000 $ 255,142 $ 250,000
Washington, Vermont 7 $ 1,877,000 $ 268,142 $ 88,000
Fairfax City, Virginia 7 $ 1,848,000 $ 264,000 $ 116,000
Falls Church, Virginia 7 $ 3,246,000 $ 463,714 $ 192,000
Brown, Wisconsin 7 $ 1,158,000 $ 165,428 $ 112,000
Rock, Wisconsin 7 $ 1,466,000 $ 209,428 $ 138,000
Walworth, Wisconsin 7 $ 2,408,000 $ 344,000 $ 363,000
Teton, Wyoming 7 $ 3,532,000 $ 504,571 $ 251,000
Kenai Peninsula, Alaska 6 $ 1,697,000 $ 282,833 $ 221,000
San Miguel, Colorado 6 $ 4,684,000 $ 780,666 $ 391,000
Columbia, Georgia 6 $ 1,087,000 $ 181,166 $ 128,000
Putnam, Georgia 6 $ 2,184,000 $ 364,000 $ 240,000
Bonneville, Idaho 6 $ 1,307,000 $ 217,833 $ 114,000
Winnebago, Illinois 6 $ 1,106,000 $ 184,333 $ 87,000
Madison, Indiana 6 $ 963,000 $ 160,500 $ 107,000
Porter, Indiana 6 $ 1,435,000 $ 239,166 $ 165,000
Fayette, Kentucky 6 $ 1,562,000 $ 260,333 $ 75,000
Calvert, Maryland 6 $ 1,847,000 $ 307,833 $ 105,000
Stone, Missouri 6 $ 1,301,000 $ 216,833 $ 105,000
Flathead, Montana 6 $ 1,671,000 $ 278,500 $ 65,000
Sarpy, Nebraska 6 $ 921,000 $ 153,500 $ 102,000
Carroll, New Hampshire 6 $ 1,307,000 $ 217,833 $ 334,000
Cheshire, New Hampshire 6 $ 1,594,000 $ 265,666 $ 163,000
Ontario, New York 6 $ 1,185,000 $ 197,500 $ 232,000
Ulster, New York 6 $ 1,133,000 $ 188,833 $ 115,000
Catawba, North Carolina 6 $ 1,194,000 $ 199,000 $ 141,000
Lake, Ohio 6 $ 1,026,000 $ 171,000 $ 96,000
Portage, Ohio 6 $ 1,444,000 $ 240,666 $ 140,000
Clatsop, Oregon 6 $ 1,494,000 $ 249,000 $ 84,000
Hood River, Oregon 6 $ 1,520,000 $ 253,333 $ 111,000
Klamath, Oregon 6 $ 1,622,000 $ 270,333 $ 88,000
Centre, Pennsylvania 6 $ 1,357,000 $ 226,166 $ 77,000
Luzerne, Pennsylvania 6 $ 1,219,000 $ 203,166 $ 115,000
Pike, Pennsylvania 6 $ 1,347,000 $ 224,500 $ 205,000
Dorchester, South Carolina 6 $ 1,032,000 $ 172,000 $ 132,000
Spartanburg, South Carolina 6 $ 1,246,000 $ 207,666 $ 130,000
Brazos, Texas 6 $ 1,081,000 $ 180,166 $ 73,000
Henderson, Texas 6 $ 1,316,000 $ 219,333 $ 195,000
McLennan, Texas 6 $ 1,359,000 $ 226,500 $ 161,000
Rockwall, Texas 6 $ 2,087,000 $ 347,833 $ 204,000
Weber, Utah 6 $ 1,436,000 $ 239,333 $ 151,000
Nelson, Virginia 6 $ 1,227,000 $ 204,500 $ 190,000
York, Virginia 6 $ 1,609,000 $ 268,166 $ 95,000
Kittitas, Washington 6 $ 1,729,000 $ 288,166 $ 176,000
Portage, Wisconsin 6 $ 1,309,000 $ 218,166 $ 120,000
Sawyer, Wisconsin 6 $ 1,127,000 $ 187,833 $ 186,000
Washington, Arkansas 5 $ 732,000 $ 146,400 $ 75,000
Gunnison, Colorado 5 $ 1,404,000 $ 280,800 $ 377,000
Windham, Connecticut 5 $ 1,263,000 $ 252,600 $ 210,000
Dawson, Georgia 5 $ 1,517,000 $ 303,400 $ 314,000
Pickens, Georgia 5 $ 1,460,000 $ 292,000 $ 357,000
Kendall, Illinois 5 $ 901,000 $ 180,200 $ 98,000
Linn, Iowa 5 $ 733,000 $ 146,600 $ 112,000
Shawnee, Kansas 5 $ 940,000 $ 188,000 $ 197,000
Kenton, Kentucky 5 $ 899,000 $ 179,800 $ 174,000
Oldham, Kentucky 5 $ 1,304,000 $ 260,800 $ 92,000
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Mortgage Loan Application Detail Totals for Charles Schwab Bank in 2009

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 23,692 $7,888,425,000 $332,000 $5,839,000 $164,000 $7,395,000
Home Purchase 3,890 $1,389,442,000 $357,000 $4,800,000 $193,000 $7,200,000
Home Improvement 379 $131,438,000 $346,000 $3,000,000 $154,000 $1,968,000

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 18,918 $6,194,928,000 $327,000 $5,600,000 $164,000 $7,200,000
Not Provided 6,144 $2,158,342,000 $351,000 $5,839,000 $178,000 $7,395,000
Asian 1,921 $736,885,000 $383,000 $3,000,000 $176,000 $2,200,000
Hispanic 606 $198,522,000 $327,000 $3,850,000 $161,000 $4,000,000
Black or African American 205 $58,600,000 $285,000 $1,779,000 $126,000 $1,000,000
American Indian or Alaskan Native 98 $35,165,000 $358,000 $4,090,000 $142,000 $750,000
Native Hawaiian or Other Pacific Islander 69 $26,863,000 $389,000 $1,800,000 $142,000 $1,194,000
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) 27,960 $9,409,114,000 $336,000 $5,839,000 $168,000 $7,395,000
FHA-insured (Federal Housing Administration) 1 $191,000 $191,000 $191,000 $142,000 $142,000
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 12,805 $4,213,833,000 $329,000 $4,030,000 $172,000 $7,395,000
Application Approved But Not Accepted 9,705 $2,948,679,000 $303,000 $4,000,000 $169,000 $4,944,000
Application Denied By Financial Institution 4,814 $1,990,994,000 $413,000 $5,839,000 $149,000 $7,200,000
Application Withdrawn By Applicant 459 $202,864,000 $441,000 $2,300,000 $225,000 $4,469,000
File Closed For Incompleteness 108 $37,081,000 $343,000 $1,779,000 $181,000 $1,279,000
Loan Purchased By The Institution 70 $15,854,000 $226,000 $417,000 $75,000 $491,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
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 1,836 $838,642,000 $456,000 $5,600,000 $91,000 $1,638,000
Collateral 1,805 $654,950,000 $362,000 $4,430,000 $172,000 $4,648,000
Other 439 $176,523,000 $402,000 $5,839,000 $220,000 $7,200,000
Credit Application Incomplete 381 $178,490,000 $468,000 $4,090,000 $224,000 $3,700,000
Credit History 146 $51,235,000 $350,000 $2,117,000 $183,000 $2,200,000
Unverifiable Information 101 $44,808,000 $443,000 $2,085,000 $158,000 $846,000
Employment History 56 $15,510,000 $276,000 $1,040,000 $130,000 $1,790,000
Insufficient Cash (Downpayment, Closing Cost) 50 $30,836,000 $616,000 $4,800,000 $202,000 $1,299,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank's 2009 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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