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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Phoenix-Mesa-Scottsdale, AZ | 376 | $ 120,908,000 | $ 321,563 | $ 137,000 |
| Oakland-Fremont-Hayward, CA | 304 | $ 150,569,000 | $ 495,292 | $ 176,000 |
| San Francisco-San Mateo-Redwood City, CA | 289 | $ 201,279,000 | $ 696,467 | $ 252,000 |
| New York-White Plains-Wayne, NY-NJ | 284 | $ 168,487,000 | $ 593,264 | $ 274,890 |
| Los Angeles-Long Beach-Glendale, CA | 272 | $ 167,949,000 | $ 617,459 | $ 219,000 |
| Chicago-Naperville-Joliet, IL | 249 | $ 82,720,000 | $ 332,208 | $ 161,000 |
| Denver-Aurora, CO | 245 | $ 78,795,000 | $ 321,612 | $ 145,000 |
| Seattle-Bellevue-Everett, WA | 208 | $ 96,988,000 | $ 466,288 | $ 187,000 |
| Santa Ana-Anaheim-Irvine, CA | 185 | $ 133,198,000 | $ 719,989 | $ 289,000 |
| San Diego-Carlsbad-San Marcos, CA | 183 | $ 91,394,000 | $ 499,420 | $ 175,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 183 | $ 77,875,000 | $ 425,546 | $ 201,360 |
| Atlanta-Sandy Springs-Marietta, GA | 182 | $ 53,642,000 | $ 294,736 | $ 155,000 |
| Riverside-San Bernardino-Ontario, CA | 171 | $ 63,170,000 | $ 369,415 | $ 150,000 |
| Reno-Sparks, NV | 159 | $ 42,561,000 | $ 267,679 | $ 89,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 152 | $ 86,217,000 | $ 567,217 | $ 175,000 |
| Portland-Vancouver-Beaverton, OR-WA | 147 | $ 49,500,000 | $ 336,734 | $ 163,619 |
| Houston-Sugar Land-Baytown, TX | 139 | $ 41,917,000 | $ 301,561 | $ 201,000 |
| Las Vegas-Paradise, NV | 131 | $ 44,125,000 | $ 336,832 | $ 166,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 130 | $ 44,251,000 | $ 340,392 | $ 148,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 110 | $ 31,913,000 | $ 290,118 | $ 146,363 |
| Austin-Round Rock, TX | 108 | $ 28,547,000 | $ 264,324 | $ 154,000 |
| Dallas-Plano-Irving, TX | 101 | $ 38,962,000 | $ 385,762 | $ 194,000 |
| Philadelphia, PA | 101 | $ 35,683,000 | $ 353,297 | $ 163,000 |
| Indianapolis-Carmel, IN | 87 | $ 16,220,000 | $ 186,436 | $ 117,000 |
| Orlando-Kissimmee, FL | 81 | $ 25,735,000 | $ 317,716 | $ 129,000 |
| Edison, NJ | 80 | $ 26,890,000 | $ 336,125 | $ 152,000 |
| Nassau-Suffolk, NY | 76 | $ 43,744,000 | $ 575,578 | $ 252,000 |
| Tampa-St. Petersburg-Clearwater, FL | 75 | $ 20,376,000 | $ 271,680 | $ 160,000 |
| Tucson, AZ | 73 | $ 18,867,000 | $ 258,452 | $ 120,000 |
| Boston-Quincy, MA | 71 | $ 32,748,000 | $ 461,239 | $ 278,000 |
| Jacksonville, FL | 68 | $ 19,116,000 | $ 281,117 | $ 122,000 |
| Bridgeport-Stamford-Norwalk, CT | 66 | $ 55,616,000 | $ 842,666 | $ 496,000 |
| Charlotte-Gastonia-Concord, NC-SC | 66 | $ 18,908,000 | $ 286,484 | $ 171,727 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 66 | $ 25,295,000 | $ 383,257 | $ 159,000 |
| Baltimore-Towson, MD | 64 | $ 20,717,000 | $ 323,703 | $ 166,000 |
| St. Louis, MO-IL | 63 | $ 15,521,000 | $ 246,365 | $ 111,666 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 52 | $ 23,002,000 | $ 442,346 | $ 173,000 |
| Boulder, CO | 51 | $ 25,395,000 | $ 497,941 | $ 180,000 |
| Warren-Troy-Farmington Hills, MI | 51 | $ 12,300,000 | $ 241,176 | $ 124,000 |
| Newark-Union, NJ-PA | 48 | $ 19,539,000 | $ 407,062 | $ 210,666 |
| Raleigh-Cary, NC | 48 | $ 11,770,000 | $ 245,208 | $ 136,000 |
| Bethesda-Gaithersburg-Frederick, MD | 47 | $ 24,579,000 | $ 522,957 | $ 182,000 |
| Cambridge-Newton-Framingham, MA | 47 | $ 26,433,000 | $ 562,404 | $ 254,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 46 | $ 23,368,000 | $ 508,000 | $ 182,000 |
| Fort Worth-Arlington, TX | 45 | $ 8,863,000 | $ 196,955 | $ 132,000 |
| Cape Coral-Fort Myers, FL | 44 | $ 15,917,000 | $ 361,750 | $ 177,000 |
| Albuquerque, NM | 42 | $ 10,655,000 | $ 253,690 | $ 103,000 |
| Honolulu, HI | 42 | $ 18,492,000 | $ 440,285 | $ 192,000 |
| Cleveland-Elyria-Mentor, OH | 39 | $ 9,574,000 | $ 245,487 | $ 127,000 |
| Miami-Miami Beach-Kendall, FL | 38 | $ 18,740,000 | $ 493,157 | $ 186,000 |
| Columbus, OH | 37 | $ 10,290,000 | $ 278,108 | $ 192,000 |
| Salt Lake City, UT | 37 | $ 16,758,000 | $ 452,918 | $ 177,000 |
| Santa Rosa-Petaluma, CA | 37 | $ 17,201,000 | $ 464,891 | $ 173,000 |
| Kansas City, MO-KS | 36 | $ 8,983,000 | $ 249,527 | $ 137,500 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 36 | $ 10,280,000 | $ 285,555 | $ 128,000 |
| Sarasota-Bradenton-Venice, FL | 36 | $ 18,581,000 | $ 516,138 | $ 193,000 |
| Boise City-Nampa, ID | 35 | $ 8,245,000 | $ 235,571 | $ 116,000 |
| Charleston-North Charleston, SC | 33 | $ 11,032,000 | $ 334,303 | $ 185,000 |
| Providence-New Bedford-Fall River, RI-MA | 31 | $ 10,072,000 | $ 324,903 | $ 185,903 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 31 | $ 8,339,000 | $ 269,000 | $ 111,000 |
| Cincinnati-Middletown, OH-KY-IN | 30 | $ 8,167,000 | $ 272,233 | $ 115,633 |
| Lake County-Kenosha County, IL-WI | 30 | $ 10,627,000 | $ 354,233 | $ 197,733 |
| San Antonio, TX | 29 | $ 7,574,000 | $ 261,172 | $ 168,000 |
| Colorado Springs, CO | 28 | $ 8,659,000 | $ 309,250 | $ 137,000 |
| Bend, OR | 27 | $ 8,394,000 | $ 310,888 | $ 151,000 |
| Santa Fe, NM | 27 | $ 10,471,000 | $ 387,814 | $ 154,000 |
| Anchorage, AK | 26 | $ 5,849,000 | $ 224,961 | $ 119,000 |
| New Orleans-Metairie-Kenner, LA | 26 | $ 5,735,000 | $ 220,576 | $ 135,000 |
| Spokane, WA | 26 | $ 6,668,000 | $ 256,461 | $ 287,000 |
| Asheville, NC | 25 | $ 7,463,000 | $ 298,520 | $ 112,000 |
| Naples-Marco Island, FL | 25 | $ 10,998,000 | $ 439,920 | $ 217,000 |
| Salinas, CA | 25 | $ 18,817,000 | $ 752,680 | $ 250,000 |
| San Luis Obispo-Paso Robles, CA | 25 | $ 12,561,000 | $ 502,440 | $ 178,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 25 | $ 14,001,000 | $ 560,040 | $ 199,000 |
| Camden, NJ | 24 | $ 5,410,000 | $ 225,416 | $ 108,000 |
| Hartford-West Hartford-East Hartford, CT | 24 | $ 9,257,000 | $ 385,708 | $ 176,000 |
| Tulsa, OK | 24 | $ 5,081,000 | $ 211,708 | $ 127,000 |
| Modesto, CA | 23 | $ 6,225,000 | $ 270,652 | $ 107,000 |
| Portland-South Portland-Biddeford, ME | 23 | $ 6,422,000 | $ 279,217 | $ 214,000 |
| Trenton-Ewing, NJ | 23 | $ 6,204,000 | $ 269,739 | $ 195,000 |
| Wilmington, DE-MD-NJ | 22 | $ 4,659,000 | $ 211,772 | $ 102,772 |
| Oklahoma City, OK | 21 | $ 3,776,000 | $ 179,809 | $ 121,000 |
| Pittsburgh, PA | 21 | $ 4,028,000 | $ 191,809 | $ 153,000 |
| Savannah, GA | 21 | $ 5,967,000 | $ 284,142 | $ 231,000 |
| Stockton, CA | 21 | $ 7,666,000 | $ 365,047 | $ 127,000 |
| Albany-Schenectady-Troy, NY | 20 | $ 4,741,000 | $ 237,050 | $ 132,000 |
| Bakersfield, CA | 20 | $ 6,004,000 | $ 300,200 | $ 146,000 |
| Richmond, VA | 20 | $ 6,435,000 | $ 321,750 | $ 158,000 |
| Greenville-Mauldin-Easley, SC | 19 | $ 4,692,000 | $ 246,947 | $ 119,000 |
| Milwaukee-Waukesha-West Allis, WI | 19 | $ 5,172,000 | $ 272,210 | $ 141,000 |
| Prescott, AZ | 19 | $ 6,092,000 | $ 320,631 | $ 108,000 |
| Medford, OR | 18 | $ 4,978,000 | $ 276,555 | $ 140,000 |
| Port St. Lucie, FL | 17 | $ 5,389,000 | $ 317,000 | $ 186,000 |
| Santa Cruz-Watsonville, CA | 17 | $ 7,183,000 | $ 422,529 | $ 141,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 16 | $ 5,042,000 | $ 315,125 | $ 174,000 |
| Fort Collins-Loveland, CO | 16 | $ 5,290,000 | $ 330,625 | $ 259,000 |
| Knoxville, TN | 16 | $ 4,073,000 | $ 254,562 | $ 140,000 |
| Peabody, MA | 16 | $ 6,482,000 | $ 405,125 | $ 211,000 |
| Rochester, NY | 16 | $ 2,317,000 | $ 144,812 | $ 83,000 |
| Sebastian-Vero Beach, FL | 16 | $ 4,166,000 | $ 260,375 | $ 147,000 |
| Wilmington, NC | 16 | $ 3,831,000 | $ 239,437 | $ 191,000 |
| Birmingham-Hoover, AL | 15 | $ 4,201,000 | $ 280,066 | $ 209,000 |
| Detroit-Livonia-Dearborn, MI | 15 | $ 4,515,000 | $ 301,000 | $ 121,000 |
| Durham, NC | 15 | $ 4,060,000 | $ 270,666 | $ 166,000 |
| Greensboro-High Point, NC | 15 | $ 4,046,000 | $ 269,733 | $ 131,000 |
| Ann Arbor, MI | 14 | $ 3,118,000 | $ 222,714 | $ 133,000 |
| Bellingham, WA | 14 | $ 4,016,000 | $ 286,857 | $ 168,000 |
| Napa, CA | 14 | $ 5,555,000 | $ 396,785 | $ 139,000 |
| Vallejo-Fairfield, CA | 14 | $ 4,487,000 | $ 320,500 | $ 201,000 |
| Worcester, MA | 14 | $ 3,343,000 | $ 238,785 | $ 144,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 3,334,000 | $ 256,461 | $ 162,000 |
| Barnstable Town, MA | 13 | $ 4,667,000 | $ 359,000 | $ 205,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 2,711,000 | $ 208,538 | $ 149,000 |
| New Haven-Milford, CT | 13 | $ 5,761,000 | $ 443,153 | $ 272,000 |
| Omaha-Council Bluffs, NE-IA | 13 | $ 4,340,000 | $ 333,846 | $ 123,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 13 | $ 3,266,000 | $ 251,230 | $ 140,000 |
| Tacoma, WA | 13 | $ 4,257,000 | $ 327,461 | $ 95,000 |
| Burlington-South Burlington, VT | 12 | $ 3,670,000 | $ 305,833 | $ 153,000 |
| Lakeland, FL | 12 | $ 3,120,000 | $ 260,000 | $ 199,000 |
| Louisville-Jefferson County, KY-IN | 12 | $ 4,005,000 | $ 333,750 | $ 176,000 |
| Manchester-Nashua, NH | 12 | $ 3,099,000 | $ 258,250 | $ 101,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 12 | $ 2,349,000 | $ 195,750 | $ 92,000 |
| Ocean City, NJ | 12 | $ 6,319,000 | $ 526,583 | $ 193,000 |
| Ogden-Clearfield, UT | 12 | $ 3,101,000 | $ 258,416 | $ 109,000 |
| Palm Coast, FL | 12 | $ 2,822,000 | $ 235,166 | $ 102,000 |
| Panama City-Lynn Haven, FL | 12 | $ 4,741,000 | $ 395,083 | $ 173,000 |
| Bremerton-Silverdale, WA | 11 | $ 4,260,000 | $ 387,272 | $ 181,000 |
| Charlottesville, VA | 11 | $ 3,007,000 | $ 273,363 | $ 141,000 |
| Chico, CA | 11 | $ 3,779,000 | $ 343,545 | $ 157,000 |
| Fresno, CA | 11 | $ 2,730,000 | $ 248,181 | $ 169,000 |
| Fort Walton Beach-Crestview-Destin, FL | 10 | $ 4,359,000 | $ 435,900 | $ 272,000 |
| Grand Junction, CO | 10 | $ 1,583,000 | $ 158,300 | $ 187,000 |
| Palm Bay-Melbourne-Titusville, FL | 10 | $ 2,120,000 | $ 212,000 | $ 114,000 |
| Provo-Orem, UT | 10 | $ 1,979,000 | $ 197,900 | $ 96,000 |
| Punta Gorda, FL | 10 | $ 2,792,000 | $ 279,200 | $ 126,000 |
| Atlantic City, NJ | 9 | $ 2,116,000 | $ 235,111 | $ 258,000 |
| Brunswick, GA | 9 | $ 3,175,000 | $ 352,777 | $ 203,000 |
| Buffalo-Niagara Falls, NY | 9 | $ 1,516,000 | $ 168,444 | $ 158,000 |
| Chattanooga, TN-GA | 9 | $ 1,109,000 | $ 123,222 | $ 126,111 |
| Dayton, OH | 9 | $ 1,180,000 | $ 131,111 | $ 90,000 |
| Des Moines-West Des Moines, IA | 9 | $ 2,553,000 | $ 283,666 | $ 151,000 |
| Eugene-Springfield, OR | 9 | $ 1,763,000 | $ 195,888 | $ 110,000 |
| Harrisburg-Carlisle, PA | 9 | $ 1,995,000 | $ 221,666 | $ 106,000 |
| Jackson, MS | 9 | $ 2,191,000 | $ 243,444 | $ 130,000 |
| Little Rock-North Little Rock-Conway, AR | 9 | $ 1,895,000 | $ 210,555 | $ 117,000 |
| Memphis, TN-MS-AR | 9 | $ 2,212,000 | $ 245,777 | $ 173,000 |
| Salem, OR | 9 | $ 2,410,000 | $ 267,777 | $ 121,000 |
| Akron, OH | 8 | $ 2,022,000 | $ 252,750 | $ 154,000 |
| Baton Rouge, LA | 8 | $ 1,563,000 | $ 195,375 | $ 171,000 |
| Gary, IN | 8 | $ 1,992,000 | $ 249,000 | $ 155,000 |
| Kingston, NY | 8 | $ 2,946,000 | $ 368,250 | $ 186,000 |
| Lancaster, PA | 8 | $ 1,892,000 | $ 236,500 | $ 80,000 |
| Madison, WI | 8 | $ 2,163,000 | $ 270,375 | $ 117,000 |
| Redding, CA | 8 | $ 1,958,000 | $ 244,750 | $ 99,000 |
| Springfield, MA | 8 | $ 1,380,000 | $ 172,500 | $ 66,000 |
| Tallahassee, FL | 8 | $ 2,024,000 | $ 253,000 | $ 126,000 |
| Columbia, SC | 7 | $ 2,239,000 | $ 319,857 | $ 188,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 3,076,000 | $ 439,428 | $ 199,000 |
| Kalamazoo-Portage, MI | 7 | $ 2,544,000 | $ 363,428 | $ 216,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 1,676,000 | $ 239,428 | $ 394,000 |
| Lincoln, NE | 7 | $ 1,124,000 | $ 160,571 | $ 79,000 |
| Missoula, MT | 7 | $ 2,925,000 | $ 417,857 | $ 211,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,428,000 | $ 204,000 | $ 102,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 814,000 | $ 135,666 | $ 109,666 |
| Corpus Christi, TX | 6 | $ 1,247,000 | $ 207,833 | $ 221,000 |
| Flagstaff, AZ | 6 | $ 2,772,000 | $ 462,000 | $ 249,000 |
| Gainesville, FL | 6 | $ 1,046,000 | $ 174,333 | $ 156,000 |
| Hattiesburg, MS | 6 | $ 1,086,000 | $ 181,000 | $ 175,000 |
| Kennewick-Richland-Pasco, WA | 6 | $ 909,000 | $ 151,500 | $ 83,000 |
| Lubbock, TX | 6 | $ 1,121,000 | $ 186,833 | $ 191,000 |
| Olympia, WA | 6 | $ 1,111,000 | $ 185,166 | $ 58,000 |
| St. George, UT | 6 | $ 2,212,000 | $ 368,666 | $ 139,000 |
| Visalia-Porterville, CA | 6 | $ 2,085,000 | $ 347,500 | $ 105,000 |
| Wichita, KS | 6 | $ 1,121,000 | $ 186,833 | $ 112,000 |
| Winston-Salem, NC | 6 | $ 1,344,000 | $ 224,000 | $ 105,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 728,000 | $ 121,333 | $ 95,500 |
| College Station-Bryan, TX | 5 | $ 603,000 | $ 120,600 | $ 169,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,077,000 | $ 215,400 | $ 139,000 |
| Fort Wayne, IN | 5 | $ 769,000 | $ 153,800 | $ 178,000 |
| Gulfport-Biloxi, MS | 5 | $ 907,000 | $ 181,400 | $ 72,000 |
| Hot Springs, AR | 5 | $ 1,496,000 | $ 299,200 | $ 250,000 |
| Huntsville, AL | 5 | $ 1,103,000 | $ 220,600 | $ 119,000 |
| Ocala, FL | 5 | $ 1,132,000 | $ 226,400 | $ 107,000 |
| Rockingham County-Strafford County, NH | 5 | $ 1,060,000 | $ 212,000 | $ 164,000 |
| Sandusky, OH | 5 | $ 810,000 | $ 162,000 | $ 75,000 |
| Toledo, OH | 5 | $ 1,007,000 | $ 201,400 | $ 202,000 |
| Wenatchee, WA | 5 | $ 1,206,000 | $ 241,200 | $ 153,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 1,299,000 | $ 324,750 | $ 331,000 |
| Canton-Massillon, OH | 4 | $ 702,000 | $ 175,500 | $ 95,000 |
| Clarksville, TN-KY | 4 | $ 273,000 | $ 68,250 | $ 27,750 |
| Coeur D'Alene, ID | 4 | $ 3,073,000 | $ 768,250 | $ 329,000 |
| El Paso, TX | 4 | $ 1,230,000 | $ 307,500 | $ 207,000 |
| Evansville, IN-KY | 4 | $ 1,056,000 | $ 264,000 | $ 116,000 |
| Las Cruces, NM | 4 | $ 1,218,000 | $ 304,500 | $ 175,000 |
| Michigan City-La Porte, IN | 4 | $ 1,045,000 | $ 261,250 | $ 112,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,377,000 | $ 344,250 | $ 209,000 |
| Pueblo, CO | 4 | $ 585,000 | $ 146,250 | $ 97,000 |
| Roanoke, VA | 4 | $ 754,000 | $ 188,500 | $ 75,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 541,000 | $ 135,250 | $ 106,000 |
| Spartanburg, SC | 4 | $ 1,139,000 | $ 284,750 | $ 87,000 |
| Springfield, MO | 4 | $ 1,095,000 | $ 273,750 | $ 93,000 |
| Tuscaloosa, AL | 4 | $ 757,000 | $ 189,250 | $ 146,000 |
| York-Hanover, PA | 4 | $ 858,000 | $ 214,500 | $ 92,000 |
| Anderson, IN | 3 | $ 326,000 | $ 108,666 | $ 65,000 |
| Anderson, SC | 3 | $ 1,134,000 | $ 378,000 | $ 316,000 |
| Beaumont-Port Arthur, TX | 3 | $ 409,000 | $ 136,333 | $ 94,000 |
| Bowling Green, KY | 3 | $ 532,000 | $ 177,333 | $ 65,000 |
| Brownsville-Harlingen, TX | 3 | $ 475,000 | $ 158,333 | $ 92,000 |
| Duluth, MN-WI | 3 | $ 376,000 | $ 125,333 | $ 93,000 |
| Fargo, ND-MN | 3 | $ 459,000 | $ 153,000 | $ 106,000 |
| Greeley, CO | 3 | $ 453,000 | $ 151,000 | $ 44,000 |
| Green Bay, WI | 3 | $ 572,000 | $ 190,666 | $ 93,000 |
| Holland-Grand Haven, MI | 3 | $ 606,000 | $ 202,000 | $ 130,000 |
| Lake Charles, LA | 3 | $ 817,000 | $ 272,333 | $ 159,000 |
| Lexington-Fayette, KY | 3 | $ 553,000 | $ 184,333 | $ 100,000 |
| Morgantown, WV | 3 | $ 417,000 | $ 139,000 | $ 82,000 |
| Niles-Benton Harbor, MI | 3 | $ 868,000 | $ 289,333 | $ 349,000 |
| Reading, PA | 3 | $ 417,000 | $ 139,000 | $ 68,000 |
| Sherman-Denison, TX | 3 | $ 646,000 | $ 215,333 | $ 161,000 |
| State College, PA | 3 | $ 808,000 | $ 269,333 | $ 296,000 |
| Syracuse, NY | 3 | $ 159,000 | $ 53,000 | $ 106,000 |
| Valdosta, GA | 3 | $ 510,000 | $ 170,000 | $ 118,000 |
| Waco, TX | 3 | $ 702,000 | $ 234,000 | $ 159,000 |
| Abilene, TX | 2 | $ 278,000 | $ 139,000 | $ 38,000 |
| Appleton, WI | 2 | $ 551,000 | $ 275,500 | $ 294,000 |
| Auburn-Opelika, AL | 2 | $ 330,000 | $ 165,000 | $ 193,000 |
| Binghamton, NY | 2 | $ 477,000 | $ 238,500 | $ 247,000 |
| Casper, WY | 2 | $ 274,000 | $ 137,000 | $ 74,000 |
| Champaign-Urbana, IL | 2 | $ 1,229,000 | $ 614,500 | $ 720,000 |
| Columbia, MO | 2 | $ 344,000 | $ 172,000 | $ 130,000 |
| Corvallis, OR | 2 | $ 1,264,000 | $ 632,000 | $ 284,000 |
| Danville, VA | 2 | $ 295,000 | $ 147,500 | $ 69,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 176,000 | $ 88,000 | $ 16,000 |
| Farmington, NM | 2 | $ 1,190,000 | $ 595,000 | $ 202,000 |
| Fayetteville, NC | 2 | $ 232,000 | $ 116,000 | $ 107,000 |
| Flint, MI | 2 | $ 1,330,000 | $ 665,000 | $ 350,000 |
| Fort Smith, AR-OK | 2 | $ 325,000 | $ 162,500 | $ 130,000 |
| Great Falls, MT | 2 | $ 391,000 | $ 195,500 | $ 66,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 205,000 | $ 102,500 | $ 76,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 611,000 | $ 305,500 | $ 211,500 |
| Idaho Falls, ID | 2 | $ 1,108,000 | $ 554,000 | $ 484,000 |
| Jacksonville, NC | 2 | $ 384,000 | $ 192,000 | $ 104,000 |
| Johnson City, TN | 2 | $ 749,000 | $ 374,500 | $ 181,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 554,000 | $ 277,000 | $ 135,000 |
| Lafayette, LA | 2 | $ 335,000 | $ 167,500 | $ 78,000 |
| Lawrence, KS | 2 | $ 407,000 | $ 203,500 | $ 68,000 |
| Lima, OH | 2 | $ 299,000 | $ 149,500 | $ 60,000 |
| Longview, WA | 2 | $ 467,000 | $ 233,500 | $ 116,000 |
| Madera, CA | 2 | $ 244,000 | $ 122,000 | $ 79,000 |
| Mansfield, OH | 2 | $ 745,000 | $ 372,500 | $ 126,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 256,000 | $ 128,000 | $ 74,000 |
| Merced, CA | 2 | $ 270,000 | $ 135,000 | $ 59,000 |
| Monroe, MI | 2 | $ 374,000 | $ 187,000 | $ 41,000 |
| Norwich-New London, CT | 2 | $ 489,000 | $ 244,500 | $ 137,000 |
| Oshkosh-Neenah, WI | 2 | $ 544,000 | $ 272,000 | $ 116,000 |
| Pittsfield, MA | 2 | $ 1,284,000 | $ 642,000 | $ 227,000 |
| Rochester, MN | 2 | $ 662,000 | $ 331,000 | $ 160,000 |
| Salisbury, MD | 2 | $ 488,000 | $ 244,000 | $ 145,000 |
| San Angelo, TX | 2 | $ 206,000 | $ 103,000 | $ 136,000 |
| Shreveport-Bossier City, LA | 2 | $ 546,000 | $ 273,000 | $ 96,000 |
| Terre Haute, IN | 2 | $ 249,000 | $ 124,500 | $ 86,000 |
| Topeka, KS | 2 | $ 299,000 | $ 149,500 | $ 201,000 |
| Tyler, TX | 2 | $ 494,000 | $ 247,000 | $ 207,000 |
| Utica-Rome, NY | 2 | $ 282,000 | $ 141,000 | $ 91,000 |
| Warner Robins, GA | 2 | $ 290,000 | $ 145,000 | $ 213,000 |
| Yakima, WA | 2 | $ 617,000 | $ 308,500 | $ 168,000 |
| Yuba City, CA | 2 | $ 580,000 | $ 290,000 | $ 62,000 |
| Anniston-Oxford, AL | 1 | $ 123,000 | $ 123,000 | $ 48,000 |
| Athens-Clarke County, GA | 1 | $ 60,000 | $ 60,000 | $ 33,000 |
| Billings, MT | 1 | $ 380,000 | $ 380,000 | $ 85,000 |
| Bloomington, IN | 1 | $ 326,000 | $ 326,000 | $ 124,000 |
| Bloomington-Normal, IL | 1 | $ 300,000 | $ 300,000 | $ 402,000 |
| Burlington, NC | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Carson City, NV | 1 | $ 165,000 | $ 165,000 | $ 43,000 |
| Cedar Rapids, IA | 1 | $ 140,000 | $ 140,000 | $ 105,000 |
| Cleveland, TN | 1 | $ 151,000 | $ 151,000 | $ 19,000 |
| Columbus, IN | 1 | $ 342,000 | $ 342,000 | $ 142,000 |
| Elkhart-Goshen, IN | 1 | $ 140,000 | $ 140,000 | $ 179,000 |
| Elmira, NY | 1 | $ 122,000 | $ 122,000 | $ 110,000 |
| Fairbanks, AK | 1 | $ 250,000 | $ 250,000 | $ 624,000 |
| Fond Du Lac, WI | 1 | $ 176,000 | $ 176,000 | $ 113,000 |
| Gadsden, AL | 1 | $ 76,000 | $ 76,000 | $ 68,000 |
| Gainesville, GA | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Glens Falls, NY | 1 | $ 123,000 | $ 123,000 | $ 57,000 |
| Goldsboro, NC | 1 | $ 535,000 | $ 535,000 | $ 171,000 |
| Grand Forks, ND-MN | 1 | $ 79,000 | $ 79,000 | $ 123,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 371,000 | $ 371,000 | $ 142,000 |
| Hanford-Corcoran, CA | 1 | $ 352,000 | $ 352,000 | $ 84,000 |
| Iowa City, IA | 1 | $ 83,000 | $ 83,000 | $ 22,000 |
| Jackson, MI | 1 | $ 161,000 | $ 161,000 | $ 155,000 |
| Jackson, TN | 1 | $ 119,000 | $ 119,000 | $ 79,000 |
| Janesville, WI | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Joplin, MO | 1 | $ 476,000 | $ 476,000 | $ 600,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 210,000 | $ 210,000 | $ 195,000 |
| Lansing-East Lansing, MI | 1 | $ 410,000 | $ 410,000 | $ 200,000 |
| Lewiston-Auburn, ME | 1 | $ 472,000 | $ 472,000 | $ 136,000 |
| Lynchburg, VA | 1 | $ 350,000 | $ 350,000 | $ 144,000 |
| Macon, GA | 1 | $ 585,000 | $ 585,000 | $ 99,000 |
| Montgomery, AL | 1 | $ 320,000 | $ 320,000 | $ 80,000 |
| Muskegon-Norton Shores, MI | 1 | $ 132,000 | $ 132,000 | $ 114,000 |
| Pascagoula, MS | 1 | $ 164,000 | $ 164,000 | $ 58,000 |
| Rapid City, SD | 1 | $ 198,000 | $ 198,000 | $ 147,000 |
| Rockford, IL | 1 | $ 222,000 | $ 222,000 | $ 180,000 |
| Rome, GA | 1 | $ 102,000 | $ 102,000 | $ 62,000 |
| Sheboygan, WI | 1 | $ 495,000 | $ 495,000 | $ 126,000 |
| Sioux City, IA-NE-SD | 1 | $ 160,000 | $ 160,000 | $ 101,000 |
| Sioux Falls, SD | 1 | $ 232,000 | $ 232,000 | $ 81,000 |
| Springfield, IL | 1 | $ 107,000 | $ 107,000 | $ 39,000 |
| Springfield, OH | 1 | $ 600,000 | $ 600,000 | $ 236,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 199,000 | $ 199,000 | $ 93,000 |
| Wausau, WI | 1 | $ 200,000 | $ 200,000 | $ 315,000 |
| Williamsport, PA | 1 | $ 350,000 | $ 350,000 | $ 158,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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