Charles Schwab Bank Mortgage Lending & HMDA Data, 2008
In 2008, Charles Schwab Bank of San Francisco, CA reported 21,520 mortgage applications totaling $6.9 billion, up 136% from 2007. The average application was for $319,433, and applicants reported an average income of $171,049. 46% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (819), Oakland-Fremont-Hayward, CA (804) and San Francisco-San Mateo-Redwood City, CA (754) (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 | 21,520 |
| Total Mortgage Loan Application Amount | $6,874,199,000 |
| Average Mortgage Loan Application Amount | $319,433 |
| Highest Mortgage Loan Application Amount | $6,450,000 |
| Average Applicant Income | $171,049 |
| Highest Applicant Income | $9,000,000 |
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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 819 | $ 232,987,000 | $ 284,477 | $ 138,000 |
| Oakland-Fremont-Hayward, CA | 804 | $ 328,839,000 | $ 409,003 | $ 180,000 |
| San Francisco-San Mateo-Redwood City, CA | 754 | $ 408,007,000 | $ 541,123 | $ 238,000 |
| Denver-Aurora, CO | 700 | $ 216,834,000 | $ 309,762 | $ 159,000 |
| Chicago-Naperville-Joliet, IL | 640 | $ 207,839,000 | $ 324,748 | $ 173,000 |
| Los Angeles-Long Beach-Glendale, CA | 619 | $ 284,975,000 | $ 460,379 | $ 193,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 524 | $ 245,406,000 | $ 468,332 | $ 181,000 |
| Atlanta-Sandy Springs-Marietta, GA | 494 | $ 135,762,000 | $ 274,821 | $ 160,000 |
| New York-White Plains-Wayne, NY-NJ | 480 | $ 225,456,000 | $ 469,700 | $ 258,500 |
| San Diego-Carlsbad-San Marcos, CA | 463 | $ 184,327,000 | $ 398,114 | $ 203,000 |
| Santa Ana-Anaheim-Irvine, CA | 462 | $ 223,112,000 | $ 482,926 | $ 222,000 |
| Seattle-Bellevue-Everett, WA | 427 | $ 147,828,000 | $ 346,201 | $ 168,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 407 | $ 142,593,000 | $ 350,351 | $ 170,061 |
| Sacramento--Arden-Arcade--Roseville, CA | 366 | $ 109,429,000 | $ 298,986 | $ 172,000 |
| Riverside-San Bernardino-Ontario, CA | 330 | $ 105,139,000 | $ 318,603 | $ 169,000 |
| Houston-Sugar Land-Baytown, TX | 286 | $ 72,179,000 | $ 252,374 | $ 179,000 |
| Las Vegas-Paradise, NV | 260 | $ 76,166,000 | $ 292,946 | $ 170,000 |
| Philadelphia, PA | 260 | $ 81,095,000 | $ 311,903 | $ 165,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 258 | $ 79,515,000 | $ 308,197 | $ 176,077 |
| Portland-Vancouver-Beaverton, OR-WA | 257 | $ 70,888,000 | $ 275,828 | $ 149,159 |
| Jacksonville, FL | 230 | $ 55,132,000 | $ 239,704 | $ 121,000 |
| Indianapolis-Carmel, IN | 203 | $ 45,025,000 | $ 221,798 | $ 141,000 |
| Boston-Quincy, MA | 192 | $ 71,464,000 | $ 372,208 | $ 204,000 |
| Reno-Sparks, NV | 182 | $ 55,095,000 | $ 302,719 | $ 132,000 |
| Dallas-Plano-Irving, TX | 181 | $ 47,960,000 | $ 264,972 | $ 172,000 |
| Edison-New Brunswick, NJ | 181 | $ 59,721,000 | $ 329,950 | $ 191,000 |
| St. Louis, MO-IL | 170 | $ 42,289,000 | $ 248,758 | $ 154,258 |
| Austin-Round Rock, TX | 163 | $ 42,951,000 | $ 263,503 | $ 142,000 |
| Orlando-Kissimmee, FL | 151 | $ 42,004,000 | $ 278,172 | $ 185,000 |
| Tampa-St. Petersburg-Clearwater, FL | 151 | $ 36,524,000 | $ 241,880 | $ 148,000 |
| Bethesda-Frederick-Gaithersburg, MD | 138 | $ 58,611,000 | $ 424,717 | $ 194,000 |
| Cambridge-Newton-Framingham, MA | 134 | $ 44,563,000 | $ 332,559 | $ 173,000 |
| Newark-Union, NJ-PA | 133 | $ 54,961,000 | $ 413,240 | $ 232,037 |
| Tucson, AZ | 131 | $ 31,245,000 | $ 238,511 | $ 130,000 |
| Charlotte-Gastonia-Concord, NC-SC | 130 | $ 32,838,000 | $ 252,600 | $ 130,676 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 129 | $ 35,955,000 | $ 278,720 | $ 146,000 |
| Warren-Troy-Farmington Hills, MI | 128 | $ 32,140,000 | $ 251,093 | $ 154,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 124 | $ 39,921,000 | $ 321,943 | $ 213,000 |
| Nassau-Suffolk, NY | 123 | $ 51,748,000 | $ 420,715 | $ 246,000 |
| Baltimore-Towson, MD | 120 | $ 38,445,000 | $ 320,375 | $ 153,000 |
| Santa Rosa-Petaluma, CA | 120 | $ 40,461,000 | $ 337,175 | $ 154,000 |
| Kansas City, MO-KS | 119 | $ 24,804,000 | $ 208,436 | $ 125,386 |
| Camden, NJ | 117 | $ 29,987,000 | $ 256,299 | $ 140,000 |
| Boulder, CO | 116 | $ 35,861,000 | $ 309,146 | $ 187,000 |
| Raleigh-Cary, NC | 114 | $ 30,785,000 | $ 270,043 | $ 158,000 |
| Bridgeport-Stamford-Norwalk, CT | 107 | $ 54,665,000 | $ 510,887 | $ 268,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 99 | $ 37,190,000 | $ 375,656 | $ 151,000 |
| Miami-Miami Beach-Kendall, FL | 92 | $ 32,895,000 | $ 357,554 | $ 235,000 |
| Cincinnati-Middletown, OH-KY-IN | 90 | $ 20,568,000 | $ 228,533 | $ 139,044 |
| Honolulu, HI | 89 | $ 35,991,000 | $ 404,393 | $ 176,000 |
| Salt Lake City, UT | 86 | $ 28,209,000 | $ 328,011 | $ 180,000 |
| Bradenton-Sarasota-Venice, FL | 74 | $ 21,181,000 | $ 286,229 | $ 207,000 |
| Cleveland-Elyria-Mentor, OH | 74 | $ 16,047,000 | $ 216,851 | $ 177,000 |
| Milwaukee-Waukesha-West Allis, WI | 74 | $ 17,906,000 | $ 241,972 | $ 132,000 |
| Albuquerque, NM | 72 | $ 16,519,000 | $ 229,430 | $ 151,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 72 | $ 20,287,000 | $ 281,763 | $ 145,500 |
| Boise City-Nampa, ID | 70 | $ 16,699,000 | $ 238,557 | $ 131,000 |
| Colorado Springs, CO | 70 | $ 20,105,000 | $ 287,214 | $ 132,000 |
| Fort Worth-Arlington, TX | 69 | $ 16,827,000 | $ 243,869 | $ 182,000 |
| Lake County-Kenosha County, IL-WI | 66 | $ 20,050,000 | $ 303,787 | $ 143,151 |
| Cape Coral-Fort Myers, FL | 65 | $ 17,038,000 | $ 262,123 | $ 176,000 |
| Stockton, CA | 65 | $ 18,450,000 | $ 283,846 | $ 135,000 |
| Pittsburgh, PA | 63 | $ 14,012,000 | $ 222,412 | $ 129,000 |
| San Antonio, TX | 63 | $ 12,956,000 | $ 205,650 | $ 154,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 62 | $ 15,073,000 | $ 243,112 | $ 139,000 |
| Columbus, OH | 61 | $ 14,841,000 | $ 243,295 | $ 156,000 |
| Hartford-West Hartford-East Hartford, CT | 60 | $ 16,181,000 | $ 269,683 | $ 190,000 |
| Anchorage, AK | 59 | $ 16,032,000 | $ 271,728 | $ 175,000 |
| Richmond, VA | 58 | $ 16,274,000 | $ 280,586 | $ 133,000 |
| San Luis Obispo-Paso Robles, CA | 56 | $ 19,070,000 | $ 340,535 | $ 151,000 |
| Providence-New Bedford-Fall River, RI-MA | 55 | $ 15,922,000 | $ 289,490 | $ 260,200 |
| Naples-Marco Island, FL | 54 | $ 17,770,000 | $ 329,074 | $ 235,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 54 | $ 23,465,000 | $ 434,537 | $ 308,000 |
| Fresno, CA | 50 | $ 12,708,000 | $ 254,160 | $ 212,000 |
| Modesto, CA | 50 | $ 11,207,000 | $ 224,140 | $ 113,000 |
| Tacoma, WA | 50 | $ 14,956,000 | $ 299,120 | $ 127,000 |
| Peabody, MA | 49 | $ 14,612,000 | $ 298,204 | $ 154,000 |
| Asheville, NC | 47 | $ 13,306,000 | $ 283,106 | $ 135,000 |
| Salinas, CA | 47 | $ 17,649,000 | $ 375,510 | $ 166,000 |
| Vallejo-Fairfield, CA | 46 | $ 11,972,000 | $ 260,260 | $ 165,000 |
| Louisville-Jefferson County, KY-IN | 44 | $ 10,761,000 | $ 244,568 | $ 172,181 |
| Durham, NC | 43 | $ 11,837,000 | $ 275,279 | $ 142,000 |
| Knoxville, TN | 42 | $ 11,387,000 | $ 271,119 | $ 123,000 |
| Fort Collins-Loveland, CO | 41 | $ 10,560,000 | $ 257,560 | $ 128,000 |
| Oklahoma City, OK | 41 | $ 7,734,000 | $ 188,634 | $ 135,000 |
| Bend, OR | 40 | $ 11,772,000 | $ 294,300 | $ 123,000 |
| Ann Arbor, MI | 39 | $ 9,705,000 | $ 248,846 | $ 176,000 |
| Spokane, WA | 39 | $ 8,349,000 | $ 214,076 | $ 126,000 |
| Tulsa, OK | 39 | $ 7,388,000 | $ 189,435 | $ 137,000 |
| Eugene-Springfield, OR | 38 | $ 9,566,000 | $ 251,736 | $ 143,000 |
| Santa Cruz-Watsonville, CA | 38 | $ 14,567,000 | $ 383,342 | $ 177,000 |
| Charleston-North Charleston-Summerville, SC | 37 | $ 13,311,000 | $ 359,756 | $ 201,000 |
| New Orleans-Metairie-Kenner, LA | 36 | $ 8,847,000 | $ 245,750 | $ 269,000 |
| Bakersfield, CA | 35 | $ 8,248,000 | $ 235,657 | $ 209,000 |
| Rockingham County-Strafford County, NH | 35 | $ 9,233,000 | $ 263,800 | $ 136,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 34 | $ 8,234,000 | $ 242,176 | $ 186,529 |
| Napa, CA | 34 | $ 14,421,000 | $ 424,147 | $ 189,000 |
| Omaha-Council Bluffs, NE-IA | 34 | $ 6,786,000 | $ 199,588 | $ 121,705 |
| Portland-South Portland-Biddeford, ME | 34 | $ 10,304,000 | $ 303,058 | $ 196,000 |
| Prescott, AZ | 34 | $ 8,812,000 | $ 259,176 | $ 130,000 |
| Albany-Schenectady-Troy, NY | 33 | $ 7,069,000 | $ 214,212 | $ 122,000 |
| Detroit-Livonia-Dearborn, MI | 33 | $ 6,972,000 | $ 211,272 | $ 130,000 |
| Medford, OR | 33 | $ 9,438,000 | $ 286,000 | $ 156,000 |
| Memphis, TN-MS-AR | 33 | $ 7,985,000 | $ 241,969 | $ 143,818 |
| Wilmington, DE-MD-NJ | 33 | $ 8,300,000 | $ 251,515 | $ 155,242 |
| Greenville-Mauldin-Easley, SC | 32 | $ 7,565,000 | $ 236,406 | $ 164,000 |
| Wilmington, NC | 32 | $ 8,581,000 | $ 268,156 | $ 193,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 31 | $ 6,796,000 | $ 219,225 | $ 159,000 |
| Palm Bay-Melbourne-Titusville, FL | 30 | $ 9,593,000 | $ 319,766 | $ 153,000 |
| Birmingham-Hoover, AL | 29 | $ 7,084,000 | $ 244,275 | $ 145,000 |
| Trenton-Ewing, NJ | 29 | $ 11,326,000 | $ 390,551 | $ 185,000 |
| Bremerton-Silverdale, WA | 28 | $ 11,294,000 | $ 403,357 | $ 161,000 |
| Harrisburg-Carlisle, PA | 28 | $ 5,925,000 | $ 211,607 | $ 139,000 |
| Santa Fe, NM | 28 | $ 9,807,000 | $ 350,250 | $ 164,000 |
| Little Rock-North Little Rock-Conway, AR | 27 | $ 5,894,000 | $ 218,296 | $ 158,000 |
| Madison, WI | 27 | $ 6,948,000 | $ 257,333 | $ 157,000 |
| Manchester-Nashua, NH | 27 | $ 7,238,000 | $ 268,074 | $ 111,000 |
| New Haven-Milford, CT | 27 | $ 7,635,000 | $ 282,777 | $ 130,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 27 | $ 7,925,000 | $ 293,518 | $ 180,000 |
| Rochester, NY | 27 | $ 4,292,000 | $ 158,962 | $ 159,000 |
| Baton Rouge, LA | 26 | $ 6,287,000 | $ 241,807 | $ 172,000 |
| Savannah, GA | 26 | $ 7,192,000 | $ 276,615 | $ 133,000 |
| Akron, OH | 25 | $ 4,951,000 | $ 198,040 | $ 109,000 |
| Gary, IN | 25 | $ 4,550,000 | $ 182,000 | $ 125,000 |
| Port St. Lucie, FL | 25 | $ 6,279,000 | $ 251,160 | $ 135,000 |
| Burlington-South Burlington, VT | 24 | $ 5,066,000 | $ 211,083 | $ 127,000 |
| Flagstaff, AZ | 23 | $ 6,145,000 | $ 267,173 | $ 159,000 |
| Sebastian-Vero Beach, FL | 23 | $ 6,023,000 | $ 261,869 | $ 152,000 |
| Wichita, KS | 23 | $ 5,045,000 | $ 219,347 | $ 159,000 |
| Barnstable Town, MA | 22 | $ 6,686,000 | $ 303,909 | $ 234,000 |
| Charlottesville, VA | 22 | $ 6,085,000 | $ 276,590 | $ 181,000 |
| Olympia, WA | 22 | $ 5,310,000 | $ 241,363 | $ 89,000 |
| Punta Gorda, FL | 22 | $ 4,780,000 | $ 217,272 | $ 143,000 |
| Coeur D'Alene, ID | 20 | $ 4,991,000 | $ 249,550 | $ 176,000 |
| Worcester, MA | 20 | $ 5,757,000 | $ 287,850 | $ 150,000 |
| Greeley, CO | 19 | $ 4,487,000 | $ 236,157 | $ 171,000 |
| Lakeland-Winter Haven, FL | 19 | $ 3,335,000 | $ 175,526 | $ 107,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 4,737,000 | $ 249,315 | $ 125,000 |
| Ocean City, NJ | 18 | $ 6,909,000 | $ 383,833 | $ 236,000 |
| Scranton--Wilkes-Barre, PA | 18 | $ 3,620,000 | $ 201,111 | $ 114,000 |
| St. George, UT | 18 | $ 4,334,000 | $ 240,777 | $ 128,000 |
| Buffalo-Niagara Falls, NY | 17 | $ 3,580,000 | $ 210,588 | $ 169,000 |
| Corpus Christi, TX | 17 | $ 2,861,000 | $ 168,294 | $ 148,000 |
| Grand Rapids-Wyoming, MI | 17 | $ 2,976,000 | $ 175,058 | $ 105,000 |
| Lake Havasu City-Kingman, AZ | 17 | $ 3,242,000 | $ 190,705 | $ 128,000 |
| Lansing-East Lansing, MI | 17 | $ 2,866,000 | $ 168,588 | $ 110,000 |
| Springfield, MA | 17 | $ 3,774,000 | $ 222,000 | $ 131,000 |
| Winston-Salem, NC | 17 | $ 3,005,000 | $ 176,764 | $ 93,000 |
| Bellingham, WA | 16 | $ 4,117,000 | $ 257,312 | $ 134,000 |
| Chattanooga, TN-GA | 16 | $ 4,204,000 | $ 262,750 | $ 115,750 |
| Des Moines-West Des Moines, IA | 16 | $ 4,038,000 | $ 252,375 | $ 169,000 |
| Huntsville, AL | 16 | $ 3,047,000 | $ 190,437 | $ 124,000 |
| Provo-Orem, UT | 16 | $ 3,279,000 | $ 204,937 | $ 93,000 |
| Springfield, MO | 16 | $ 2,394,000 | $ 149,625 | $ 101,000 |
| Syracuse, NY | 16 | $ 2,604,000 | $ 162,750 | $ 104,000 |
| Toledo, OH | 16 | $ 2,887,000 | $ 180,437 | $ 118,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 2,656,000 | $ 177,066 | $ 133,200 |
| Chico, CA | 15 | $ 3,824,000 | $ 254,933 | $ 119,000 |
| Columbia, SC | 15 | $ 2,908,000 | $ 193,866 | $ 140,000 |
| Jackson, MS | 15 | $ 3,071,000 | $ 204,733 | $ 173,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 15 | $ 3,187,000 | $ 212,466 | $ 118,000 |
| Ogden-Clearfield, UT | 15 | $ 3,305,000 | $ 220,333 | $ 112,000 |
| Salem, OR | 15 | $ 3,438,000 | $ 229,200 | $ 124,000 |
| Dayton, OH | 14 | $ 3,539,000 | $ 252,785 | $ 157,000 |
| Gainesville, FL | 14 | $ 2,965,000 | $ 211,785 | $ 203,000 |
| Atlantic City-Hammonton, NJ | 13 | $ 2,831,000 | $ 217,769 | $ 213,000 |
| Grand Junction, CO | 13 | $ 2,468,000 | $ 189,846 | $ 193,000 |
| Greensboro-High Point, NC | 13 | $ 3,941,000 | $ 303,153 | $ 170,000 |
| Panama City-Lynn Haven, FL | 13 | $ 4,514,000 | $ 347,230 | $ 198,000 |
| Visalia-Porterville, CA | 13 | $ 2,264,000 | $ 174,153 | $ 107,000 |
| Wenatchee, WA | 13 | $ 4,304,000 | $ 331,076 | $ 216,000 |
| Holland-Grand Haven, MI | 12 | $ 1,893,000 | $ 157,750 | $ 107,000 |
| Killeen-Temple-Fort Hood, TX | 12 | $ 1,619,000 | $ 134,916 | $ 530,000 |
| Montgomery, AL | 12 | $ 2,063,000 | $ 171,916 | $ 197,000 |
| Palm Coast, FL | 12 | $ 2,478,000 | $ 206,500 | $ 146,000 |
| Pittsfield, MA | 12 | $ 3,030,000 | $ 252,500 | $ 175,000 |
| Shreveport-Bossier City, LA | 12 | $ 2,971,000 | $ 247,583 | $ 160,000 |
| Tallahassee, FL | 12 | $ 4,032,000 | $ 336,000 | $ 213,000 |
| York-Hanover, PA | 12 | $ 1,856,000 | $ 154,666 | $ 99,000 |
| Bloomington, IN | 11 | $ 2,464,000 | $ 224,000 | $ 144,000 |
| Lancaster, PA | 11 | $ 2,531,000 | $ 230,090 | $ 129,000 |
| Lexington-Fayette, KY | 11 | $ 2,289,000 | $ 208,090 | $ 123,000 |
| Peoria, IL | 11 | $ 2,333,000 | $ 212,090 | $ 148,000 |
| South Bend-Mishawaka, IN-MI | 11 | $ 1,945,000 | $ 176,818 | $ 104,363 |
| Davenport-Moline-Rock Island, IA-IL | 10 | $ 1,750,000 | $ 175,000 | $ 148,300 |
| Gulfport-Biloxi, MS | 10 | $ 1,982,000 | $ 198,200 | $ 144,000 |
| Hot Springs, AR | 10 | $ 2,856,000 | $ 285,600 | $ 210,000 |
| Kennewick-Pasco-Richland, WA | 10 | $ 2,373,000 | $ 237,300 | $ 190,000 |
| Madera, CA | 10 | $ 2,046,000 | $ 204,600 | $ 135,000 |
| Roanoke, VA | 10 | $ 3,708,000 | $ 370,800 | $ 187,000 |
| Canton-Massillon, OH | 9 | $ 1,485,000 | $ 165,000 | $ 94,000 |
| College Station-Bryan, TX | 9 | $ 1,245,000 | $ 138,333 | $ 178,000 |
| Evansville, IN-KY | 9 | $ 1,491,000 | $ 165,666 | $ 92,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 2,953,000 | $ 328,111 | $ 144,000 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 4,262,000 | $ 473,555 | $ 124,000 |
| Hickory-Lenoir-Morganton, NC | 9 | $ 2,088,000 | $ 232,000 | $ 136,000 |
| Kalamazoo-Portage, MI | 9 | $ 2,138,000 | $ 237,555 | $ 182,000 |
| Las Cruces, NM | 9 | $ 2,685,000 | $ 298,333 | $ 140,000 |
| Mobile, AL | 9 | $ 1,763,000 | $ 195,888 | $ 166,000 |
| Ocala, FL | 9 | $ 1,833,000 | $ 203,666 | $ 85,000 |
| Amarillo, TX | 8 | $ 1,047,000 | $ 130,875 | $ 94,000 |
| Glens Falls, NY | 8 | $ 1,186,000 | $ 148,250 | $ 114,000 |
| Green Bay, WI | 8 | $ 1,201,000 | $ 150,125 | $ 108,000 |
| Merced, CA | 8 | $ 1,626,000 | $ 203,250 | $ 185,000 |
| Norwich-New London, CT | 8 | $ 1,487,000 | $ 185,875 | $ 123,000 |
| Redding, CA | 8 | $ 1,882,000 | $ 235,250 | $ 140,000 |
| Athens-Clarke County, GA | 7 | $ 1,837,000 | $ 262,428 | $ 365,000 |
| Clarksville, TN-KY | 7 | $ 1,078,000 | $ 154,000 | $ 120,571 |
| Lawrence, KS | 7 | $ 1,803,000 | $ 257,571 | $ 134,000 |
| Lebanon, PA | 7 | $ 990,000 | $ 141,428 | $ 102,000 |
| Lynchburg, VA | 7 | $ 1,503,000 | $ 214,714 | $ 93,000 |
| Morristown, TN | 7 | $ 1,162,000 | $ 166,000 | $ 86,000 |
| Oshkosh-Neenah, WI | 7 | $ 1,298,000 | $ 185,428 | $ 115,000 |
| Rockford, IL | 7 | $ 1,725,000 | $ 246,428 | $ 265,000 |
| Tuscaloosa, AL | 7 | $ 1,067,000 | $ 152,428 | $ 153,000 |
| Yuba City, CA | 7 | $ 1,138,000 | $ 162,571 | $ 100,000 |
| Auburn-Opelika, AL | 6 | $ 704,000 | $ 117,333 | $ 126,000 |
| Brunswick, GA | 6 | $ 1,910,000 | $ 318,333 | $ 131,000 |
| Duluth, MN-WI | 6 | $ 1,248,000 | $ 208,000 | $ 139,000 |
| El Paso, TX | 6 | $ 1,199,000 | $ 199,833 | $ 98,000 |
| Gainesville, GA | 6 | $ 1,266,000 | $ 211,000 | $ 209,000 |
| Lafayette, LA | 6 | $ 1,850,000 | $ 308,333 | $ 288,000 |
| Lubbock, TX | 6 | $ 876,000 | $ 146,000 | $ 89,000 |
| McAllen-Edinburg-Mission, TX | 6 | $ 692,000 | $ 115,333 | $ 133,000 |
| Missoula, MT | 6 | $ 1,199,000 | $ 199,833 | $ 136,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,656,000 | $ 276,000 | $ 116,000 |
| Reading, PA | 6 | $ 1,065,000 | $ 177,500 | $ 119,000 |
| Sioux Falls, SD | 6 | $ 846,000 | $ 141,000 | $ 65,000 |
| Spartanburg, SC | 6 | $ 910,000 | $ 151,666 | $ 114,000 |
| Waco, TX | 6 | $ 1,133,000 | $ 188,833 | $ 118,000 |
| Winchester, VA-WV | 6 | $ 1,604,000 | $ 267,333 | $ 163,000 |
| Anderson, IN | 5 | $ 1,193,000 | $ 238,600 | $ 126,000 |
| Binghamton, NY | 5 | $ 1,165,000 | $ 233,000 | $ 286,000 |
| Champaign-Urbana, IL | 5 | $ 958,000 | $ 191,600 | $ 130,000 |
| Eau Claire, WI | 5 | $ 1,433,000 | $ 286,600 | $ 164,000 |
| Fairbanks, AK | 5 | $ 1,216,000 | $ 243,200 | $ 124,000 |
| Flint, MI | 5 | $ 1,743,000 | $ 348,600 | $ 127,000 |
| Hattiesburg, MS | 5 | $ 776,000 | $ 155,200 | $ 318,000 |
| Huntington-Ashland, WV-KY-OH | 5 | $ 528,000 | $ 105,600 | $ 181,200 |
| Kingston, NY | 5 | $ 1,206,000 | $ 241,200 | $ 114,000 |
| Lewiston-Auburn, ME | 5 | $ 881,000 | $ 176,200 | $ 50,000 |
| Lincoln, NE | 5 | $ 943,000 | $ 188,600 | $ 77,000 |
| Niles-Benton Harbor, MI | 5 | $ 1,108,000 | $ 221,600 | $ 119,000 |
| Pueblo, CO | 5 | $ 666,000 | $ 133,200 | $ 69,000 |
| Tyler, TX | 5 | $ 827,000 | $ 165,400 | $ 103,000 |
| Ames, IA | 4 | $ 596,000 | $ 149,000 | $ 107,000 |
| Bangor, ME | 4 | $ 572,000 | $ 143,000 | $ 79,000 |
| Brownsville-Harlingen, TX | 4 | $ 1,213,000 | $ 303,250 | $ 639,000 |
| Carson City, NV | 4 | $ 821,000 | $ 205,250 | $ 104,000 |
| Cedar Rapids, IA | 4 | $ 688,000 | $ 172,000 | $ 105,000 |
| Charleston, WV | 4 | $ 481,000 | $ 120,250 | $ 74,000 |
| Columbia, MO | 4 | $ 475,000 | $ 118,750 | $ 117,000 |
| Corvallis, OR | 4 | $ 1,212,000 | $ 303,000 | $ 116,000 |
| Elkhart-Goshen, IN | 4 | $ 815,000 | $ 203,750 | $ 116,000 |
| Florence, SC | 4 | $ 563,000 | $ 140,750 | $ 98,000 |
| Fort Wayne, IN | 4 | $ 741,000 | $ 185,250 | $ 65,000 |
| Iowa City, IA | 4 | $ 667,000 | $ 166,750 | $ 41,000 |
| Johnson City, TN | 4 | $ 577,000 | $ 144,250 | $ 82,000 |
| Kokomo, IN | 4 | $ 413,000 | $ 103,250 | $ 140,000 |
| Lafayette, IN | 4 | $ 821,000 | $ 205,250 | $ 316,000 |
| Lewiston, ID-WA | 4 | $ 900,000 | $ 225,000 | $ 106,500 |
| Longview, TX | 4 | $ 397,000 | $ 99,250 | $ 128,000 |
| Longview, WA | 4 | $ 939,000 | $ 234,750 | $ 118,000 |
| St. Cloud, MN | 4 | $ 823,000 | $ 205,750 | $ 233,000 |
| Vineland-Millville-Bridgeton, NJ | 4 | $ 692,000 | $ 173,000 | $ 97,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 537,000 | $ 134,250 | $ 88,250 |
| Beaumont-Port Arthur, TX | 3 | $ 446,000 | $ 148,666 | $ 90,000 |
| Billings, MT | 3 | $ 320,000 | $ 106,666 | $ 46,000 |
| Dover, DE | 3 | $ 527,000 | $ 175,666 | $ 88,000 |
| Fargo, ND-MN | 3 | $ 316,000 | $ 105,333 | $ 91,000 |
| Farmington, NM | 3 | $ 832,000 | $ 277,333 | $ 230,000 |
| Fayetteville, NC | 3 | $ 434,000 | $ 144,666 | $ 122,000 |
| Great Falls, MT | 3 | $ 367,000 | $ 122,333 | $ 91,000 |
| Hanford-Corcoran, CA | 3 | $ 797,000 | $ 265,666 | $ 194,000 |
| Idaho Falls, ID | 3 | $ 549,000 | $ 183,000 | $ 274,000 |
| Kankakee-Bradley, IL | 3 | $ 397,000 | $ 132,333 | $ 114,000 |
| Macon, GA | 3 | $ 341,000 | $ 113,666 | $ 62,000 |
| Muskegon-Norton Shores, MI | 3 | $ 410,000 | $ 136,666 | $ 73,000 |
| Pascagoula, MS | 3 | $ 648,000 | $ 216,000 | $ 141,000 |
| Racine, WI | 3 | $ 624,000 | $ 208,000 | $ 128,000 |
| Rochester, MN | 3 | $ 855,000 | $ 285,000 | $ 286,000 |
| San Angelo, TX | 3 | $ 264,000 | $ 88,000 | $ 158,000 |
| Sheboygan, WI | 3 | $ 495,000 | $ 165,000 | $ 77,000 |
| Terre Haute, IN | 3 | $ 306,000 | $ 102,000 | $ 76,000 |
| Warner Robins, GA | 3 | $ 488,000 | $ 162,666 | $ 133,000 |
| Anderson, SC | 2 | $ 548,000 | $ 274,000 | $ 169,000 |
| Appleton, WI | 2 | $ 656,000 | $ 328,000 | $ 345,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 695,000 | $ 347,500 | $ 94,000 |
| Bowling Green, KY | 2 | $ 417,000 | $ 208,500 | $ 108,000 |
| Casper, WY | 2 | $ 258,000 | $ 129,000 | $ 61,000 |
| Cheyenne, WY | 2 | $ 523,000 | $ 261,500 | $ 210,000 |
| Columbus, GA-AL | 2 | $ 230,000 | $ 115,000 | $ 98,000 |
| Columbus, IN | 2 | $ 169,000 | $ 84,500 | $ 72,000 |
| Dubuque, IA | 2 | $ 257,000 | $ 128,500 | $ 125,000 |
| Erie, PA | 2 | $ 188,000 | $ 94,000 | $ 101,000 |
| Goldsboro, NC | 2 | $ 529,000 | $ 264,500 | $ 171,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 228,000 | $ 114,000 | $ 91,500 |
| Harrisonburg, VA | 2 | $ 637,000 | $ 318,500 | $ 94,000 |
| Ithaca, NY | 2 | $ 443,000 | $ 221,500 | $ 127,000 |
| Jackson, MI | 2 | $ 442,000 | $ 221,000 | $ 81,000 |
| Janesville, WI | 2 | $ 197,000 | $ 98,500 | $ 84,000 |
| Johnstown, PA | 2 | $ 390,000 | $ 195,000 | $ 69,000 |
| Joplin, MO | 2 | $ 326,000 | $ 163,000 | $ 101,000 |
| Lake Charles, LA | 2 | $ 779,000 | $ 389,500 | $ 201,000 |
| Lawton, OK | 2 | $ 405,000 | $ 202,500 | $ 144,000 |
| Michigan City-La Porte, IN | 2 | $ 846,000 | $ 423,000 | $ 220,000 |
| Monroe, MI | 2 | $ 213,000 | $ 106,500 | $ 85,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 309,000 | $ 154,500 | $ 120,000 |
| Rapid City, SD | 2 | $ 560,000 | $ 280,000 | $ 84,000 |
| Sandusky, OH | 2 | $ 213,000 | $ 106,500 | $ 73,000 |
| Sherman-Denison, TX | 2 | $ 182,000 | $ 91,000 | $ 80,000 |
| Springfield, IL | 2 | $ 431,000 | $ 215,500 | $ 105,000 |
| State College, PA | 2 | $ 358,000 | $ 179,000 | $ 154,000 |
| Topeka, KS | 2 | $ 287,000 | $ 143,500 | $ 57,000 |
| Utica-Rome, NY | 2 | $ 356,000 | $ 178,000 | $ 127,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 492,000 | $ 246,000 | $ 99,000 |
| Williamsport, PA | 2 | $ 221,000 | $ 110,500 | $ 174,000 |
| Yakima, WA | 2 | $ 427,000 | $ 213,500 | $ 192,000 |
| Abilene, TX | 1 | $ 92,000 | $ 92,000 | $ 164,000 |
| Alexandria, LA | 1 | $ 154,000 | $ 154,000 | $ 83,000 |
| Anniston-Oxford, AL | 1 | $ 400,000 | $ 400,000 | $ 360,000 |
| Bismarck, ND | 1 | $ 130,000 | $ 130,000 | $ 114,000 |
| Cleveland, TN | 1 | $ 124,000 | $ 124,000 | $ 134,000 |
| Cumberland, MD-WV | 1 | $ 234,000 | $ 234,000 | $ 163,000 |
| Danville, IL | 1 | $ 78,000 | $ 78,000 | $ 109,000 |
| Decatur, AL | 1 | $ 167,000 | $ 167,000 | $ 107,000 |
| Decatur, IL | 1 | $ 220,000 | $ 220,000 | $ 100,000 |
| Dothan, AL | 1 | $ 334,000 | $ 334,000 | $ 89,000 |
| El Centro, CA | 1 | $ 278,000 | $ 278,000 | $ 304,000 |
| Elizabethtown, KY | 1 | $ 217,000 | $ 217,000 | $ 138,000 |
| Elmira, NY | 1 | $ 137,000 | $ 137,000 | $ 82,000 |
| Florence-Muscle Shoals, AL | 1 | $ 134,000 | $ 134,000 | $ 51,000 |
| Fort Smith, AR-OK | 1 | $ 136,000 | $ 136,000 | $ 86,000 |
| Greenville, NC | 1 | $ 172,000 | $ 172,000 | $ 72,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 54,000 | $ 54,000 | $ 56,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 169,000 | $ 169,000 | $ 186,000 |
| Lima, OH | 1 | $ 90,000 | $ 90,000 | $ 51,000 |
| Midland, TX | 1 | $ 112,000 | $ 112,000 | $ 184,000 |
| Morgantown, WV | 1 | $ 173,000 | $ 173,000 | $ 86,000 |
| Muncie, IN | 1 | $ 62,000 | $ 62,000 | $ 232,000 |
| Owensboro, KY | 1 | $ 276,000 | $ 276,000 | $ 217,000 |
| Pocatello, ID | 1 | $ 225,000 | $ 225,000 | $ 130,000 |
| Rocky Mount, NC | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Rome, GA | 1 | $ 160,000 | $ 160,000 | $ 35,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 153,000 | $ 153,000 | $ 140,000 |
| Sioux City, IA-NE-SD | 1 | $ 153,000 | $ 153,000 | $ 101,000 |
| Springfield, OH | 1 | $ 89,000 | $ 89,000 | $ 44,000 |
| St. Joseph, MO-KS | 1 | $ 340,000 | $ 340,000 | $ 182,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
| Valdosta, GA | 1 | $ 171,000 | $ 171,000 | $ 120,000 |
| Victoria, TX | 1 | $ 95,000 | $ 95,000 | $ 114,000 |
| Wausau, WI | 1 | $ 230,000 | $ 230,000 | $ 84,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 41,000 | $ 41,000 | $ 46,000 |
| Wichita Falls, TX | 1 | $ 198,000 | $ 198,000 | $ 665,000 |
| Yuma, AZ | 1 | $ 143,000 | $ 143,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank in 2008
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 | 13,421 | $4,186,335,000 | $311,000 | $6,450,000 | $165,000 | $6,000,000 |
| Home Purchase | 7,724 | $2,554,524,000 | $330,000 | $5,000,000 | $182,000 | $9,000,000 |
| Home Improvement | 375 | $133,340,000 | $355,000 | $5,500,000 | $162,000 | $3,268,000 |
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 | 14,534 | $4,567,761,000 | $314,000 | $6,450,000 | $170,000 | $9,000,000 |
| Not Provided | 4,640 | $1,520,446,000 | $327,000 | $4,940,000 | $177,000 | $6,000,000 |
| Asian | 1,384 | $498,951,000 | $360,000 | $3,500,000 | $174,000 | $2,859,000 |
| Hispanic | 564 | $173,957,000 | $308,000 | $2,469,000 | $159,000 | $6,000,000 |
| Black or African American | 268 | $71,395,000 | $266,000 | $1,334,000 | $150,000 | $1,329,000 |
| American Indian or Alaskan Native | 82 | $25,465,000 | $310,000 | $3,205,000 | $133,000 | $870,000 |
| Native Hawaiian or Other Pacific Islander | 48 | $16,224,000 | $338,000 | $1,640,000 | $138,000 | $490,000 |
| 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) | 21,520 | $6,874,199,000 | $319,000 | $6,450,000 | $171,000 | $9,000,000 |
| 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 | 9,941 | $3,071,351,000 | $308,000 | $5,000,000 | $172,000 | $9,000,000 |
| Application Approved But Not Accepted | 7,196 | $2,207,240,000 | $306,000 | $6,450,000 | $175,000 | $7,847,000 |
| Application Denied By Financial Institution | 2,221 | $918,043,000 | $413,000 | $4,940,000 | $163,000 | $4,798,000 |
| Preapproval Approved but not Accepted | 1,256 | $349,881,000 | $278,000 | $1,000,000 | $144,000 | $5,640,000 |
| Application Withdrawn By Applicant | 779 | $292,766,000 | $375,000 | $5,500,000 | $198,000 | $6,000,000 |
| File Closed For Incompleteness | 54 | $18,101,000 | $335,000 | $1,021,000 | $195,000 | $2,042,000 |
| Loan Purchased By The Institution | 45 | $7,924,000 | $176,000 | $303,000 | $49,000 | $315,000 |
| Preapproval Denied by Financial Institution | 28 | $8,893,000 | $317,000 | $668,000 | $146,000 | $800,000 |
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 | 865 | $420,159,000 | $485,000 | $4,940,000 | $111,000 | $2,300,000 |
| Collateral | 841 | $289,173,000 | $343,000 | $3,600,000 | $196,000 | $4,798,000 |
| Other | 199 | $79,632,000 | $400,000 | $2,000,000 | $204,000 | $1,580,000 |
| Credit History | 140 | $48,186,000 | $344,000 | $1,460,000 | $180,000 | $2,796,000 |
| Credit Application Incomplete | 115 | $55,315,000 | $481,000 | $2,400,000 | $218,000 | $1,374,000 |
| Unverifiable Information | 43 | $20,572,000 | $478,000 | $2,800,000 | $220,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 27 | $7,547,000 | $279,000 | $1,250,000 | $136,000 | $577,000 |
| Employment History | 17 | $5,727,000 | $336,000 | $730,000 | $132,000 | $575,000 |
| Mortgage Insurance Denied | 2 | $625,000 | $312,000 | $396,000 | $89,000 | $96,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank's 2008 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About