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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Francisco-San Mateo-Redwood City, CA | 1,659 | $ 832,312,000 | $ 501,694 | $ 213,000 |
| Oakland-Fremont-Hayward, CA | 1,470 | $ 602,968,000 | $ 410,182 | $ 169,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,104 | $ 506,666,000 | $ 458,936 | $ 197,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 997 | $ 479,422,000 | $ 480,864 | $ 180,000 |
| Santa Ana-Anaheim-Irvine, CA | 981 | $ 443,004,000 | $ 451,584 | $ 195,000 |
| Denver-Aurora-Broomfield, CO | 914 | $ 265,896,000 | $ 290,914 | $ 147,000 |
| Chicago-Naperville-Joliet, IL | 894 | $ 275,518,000 | $ 308,185 | $ 176,000 |
| Phoenix-Mesa-Scottsdale, AZ | 821 | $ 234,741,000 | $ 285,920 | $ 129,000 |
| San Diego-Carlsbad-San Marcos, CA | 780 | $ 314,975,000 | $ 403,814 | $ 176,000 |
| New York-White Plains-Wayne, NY-NJ | 625 | $ 300,242,000 | $ 480,387 | $ 244,155 |
| Seattle-Bellevue-Everett, WA | 613 | $ 210,915,000 | $ 344,070 | $ 163,000 |
| Atlanta-Sandy Springs-Marietta, GA | 602 | $ 167,853,000 | $ 278,825 | $ 154,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 590 | $ 222,648,000 | $ 377,369 | $ 176,862 |
| Sacramento--Arden-Arcade--Roseville, CA | 541 | $ 161,239,000 | $ 298,038 | $ 149,000 |
| Riverside-San Bernardino-Ontario, CA | 414 | $ 113,139,000 | $ 273,282 | $ 152,000 |
| Portland-Vancouver-Beaverton, OR-WA | 349 | $ 99,135,000 | $ 284,054 | $ 136,315 |
| Houston-Sugar Land-Baytown, TX | 345 | $ 97,157,000 | $ 281,614 | $ 222,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 327 | $ 87,014,000 | $ 266,097 | $ 136,798 |
| Philadelphia, PA | 307 | $ 94,130,000 | $ 306,612 | $ 168,000 |
| Dallas-Plano-Irving, TX | 302 | $ 95,019,000 | $ 314,632 | $ 184,000 |
| Edison-New Brunswick, NJ | 279 | $ 84,600,000 | $ 303,225 | $ 172,000 |
| Indianapolis-Carmel, IN | 258 | $ 53,277,000 | $ 206,500 | $ 124,000 |
| Las Vegas-Paradise, NV | 251 | $ 67,614,000 | $ 269,378 | $ 150,000 |
| Santa Rosa-Petaluma, CA | 243 | $ 89,322,000 | $ 367,580 | $ 145,000 |
| Austin-Round Rock, TX | 239 | $ 66,266,000 | $ 277,263 | $ 156,000 |
| Bethesda-Frederick-Rockville, MD | 235 | $ 91,407,000 | $ 388,965 | $ 197,000 |
| Boston-Quincy, MA | 218 | $ 72,893,000 | $ 334,371 | $ 188,000 |
| Cambridge-Newton-Framingham, MA | 217 | $ 74,848,000 | $ 344,921 | $ 171,000 |
| Newark-Union, NJ-PA | 213 | $ 76,201,000 | $ 357,751 | $ 188,478 |
| Boulder, CO | 186 | $ 59,065,000 | $ 317,553 | $ 158,000 |
| Nassau-Suffolk, NY | 185 | $ 80,630,000 | $ 435,837 | $ 212,000 |
| Tucson, AZ | 185 | $ 44,936,000 | $ 242,897 | $ 118,000 |
| Orlando-Kissimmee, FL | 179 | $ 43,243,000 | $ 241,581 | $ 135,000 |
| Reno-Sparks, NV | 177 | $ 51,384,000 | $ 290,305 | $ 149,000 |
| Bridgeport-Stamford-Norwalk, CT | 172 | $ 84,278,000 | $ 489,988 | $ 226,000 |
| St. Louis, MO-IL | 170 | $ 39,564,000 | $ 232,729 | $ 146,047 |
| Baltimore-Towson, MD | 165 | $ 52,334,000 | $ 317,175 | $ 156,000 |
| Tampa-St. Petersburg-Clearwater, FL | 156 | $ 39,178,000 | $ 251,141 | $ 201,000 |
| Kansas City, MO-KS | 153 | $ 30,940,000 | $ 202,222 | $ 111,980 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 152 | $ 45,914,000 | $ 302,065 | $ 186,000 |
| Jacksonville, FL | 141 | $ 43,339,000 | $ 307,368 | $ 155,000 |
| Charlotte-Gastonia-Concord, NC-SC | 138 | $ 38,138,000 | $ 276,362 | $ 144,514 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 137 | $ 39,964,000 | $ 291,708 | $ 171,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 133 | $ 47,080,000 | $ 353,984 | $ 131,000 |
| Lake County-Kenosha County, IL-WI | 132 | $ 39,431,000 | $ 298,719 | $ 165,159 |
| Raleigh-Cary, NC | 124 | $ 32,852,000 | $ 264,935 | $ 124,000 |
| Fort Worth-Arlington, TX | 120 | $ 29,256,000 | $ 243,800 | $ 166,000 |
| Warren-Troy-Farmington Hills, MI | 110 | $ 24,510,000 | $ 222,818 | $ 137,000 |
| Boise City-Nampa, ID | 107 | $ 21,362,000 | $ 199,644 | $ 126,000 |
| Honolulu, HI | 105 | $ 39,784,000 | $ 378,895 | $ 147,000 |
| Cleveland-Elyria-Mentor, OH | 101 | $ 20,322,000 | $ 201,207 | $ 154,000 |
| Salinas, CA | 99 | $ 41,173,000 | $ 415,888 | $ 224,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 98 | $ 52,535,000 | $ 536,071 | $ 185,000 |
| Bradenton-Sarasota-Venice, FL | 93 | $ 29,568,000 | $ 317,935 | $ 166,000 |
| Camden, NJ | 93 | $ 20,637,000 | $ 221,903 | $ 128,000 |
| Hartford-West Hartford-East Hartford, CT | 92 | $ 22,362,000 | $ 243,065 | $ 158,000 |
| Albuquerque, NM | 91 | $ 20,671,000 | $ 227,153 | $ 115,000 |
| Providence-New Bedford-Fall River, RI-MA | 91 | $ 27,600,000 | $ 303,296 | $ 212,076 |
| Colorado Springs, CO | 88 | $ 25,001,000 | $ 284,102 | $ 128,000 |
| San Luis Obispo-Paso Robles, CA | 88 | $ 30,668,000 | $ 348,500 | $ 129,000 |
| Columbus, OH | 86 | $ 19,258,000 | $ 223,930 | $ 168,000 |
| Salt Lake City, UT | 86 | $ 29,264,000 | $ 340,279 | $ 176,000 |
| Miami-Miami Beach-Kendall, FL | 84 | $ 28,095,000 | $ 334,464 | $ 201,000 |
| Cape Coral-Fort Myers, FL | 80 | $ 21,990,000 | $ 274,875 | $ 200,000 |
| Cincinnati-Middletown, OH-KY-IN | 80 | $ 21,491,000 | $ 268,637 | $ 138,600 |
| Naples-Marco Island, FL | 80 | $ 31,323,000 | $ 391,537 | $ 239,000 |
| Asheville, NC | 79 | $ 23,848,000 | $ 301,873 | $ 129,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 79 | $ 20,578,000 | $ 260,481 | $ 149,240 |
| Santa Cruz-Watsonville, CA | 77 | $ 27,012,000 | $ 350,805 | $ 141,000 |
| Pittsburgh, PA | 75 | $ 16,094,000 | $ 214,586 | $ 116,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 71 | $ 19,563,000 | $ 275,535 | $ 129,000 |
| San Antonio, TX | 70 | $ 21,136,000 | $ 301,942 | $ 178,000 |
| Anchorage, AK | 67 | $ 16,770,000 | $ 250,298 | $ 146,000 |
| Bend, OR | 67 | $ 27,420,000 | $ 409,253 | $ 138,000 |
| Milwaukee-Waukesha-West Allis, WI | 65 | $ 17,144,000 | $ 263,753 | $ 155,000 |
| Tacoma, WA | 65 | $ 19,357,000 | $ 297,800 | $ 139,000 |
| Durham-Chapel Hill, NC | 64 | $ 17,110,000 | $ 267,343 | $ 148,000 |
| Napa, CA | 63 | $ 28,802,000 | $ 457,174 | $ 207,000 |
| Peabody, MA | 62 | $ 20,391,000 | $ 328,887 | $ 229,000 |
| Vallejo-Fairfield, CA | 61 | $ 15,158,000 | $ 248,491 | $ 148,000 |
| Charleston-North Charleston-Summerville, SC | 60 | $ 22,374,000 | $ 372,900 | $ 231,000 |
| Richmond, VA | 58 | $ 16,260,000 | $ 280,344 | $ 136,000 |
| Santa Fe, NM | 58 | $ 23,662,000 | $ 407,965 | $ 149,000 |
| Birmingham-Hoover, AL | 56 | $ 15,855,000 | $ 283,125 | $ 174,000 |
| Spokane, WA | 56 | $ 11,026,000 | $ 196,892 | $ 111,000 |
| Bremerton-Silverdale, WA | 54 | $ 15,983,000 | $ 295,981 | $ 125,000 |
| Medford, OR | 54 | $ 15,586,000 | $ 288,629 | $ 108,000 |
| Oklahoma City, OK | 53 | $ 15,516,000 | $ 292,754 | $ 144,000 |
| Modesto, CA | 49 | $ 10,663,000 | $ 217,612 | $ 110,000 |
| Prescott, AZ | 49 | $ 15,649,000 | $ 319,367 | $ 131,000 |
| Portland-South Portland-Biddeford, ME | 48 | $ 12,339,000 | $ 257,062 | $ 167,000 |
| Trenton-Ewing, NJ | 48 | $ 14,536,000 | $ 302,833 | $ 163,000 |
| Akron, OH | 47 | $ 9,722,000 | $ 206,851 | $ 113,000 |
| Fort Collins-Loveland, CO | 47 | $ 11,102,000 | $ 236,212 | $ 104,000 |
| Memphis, TN-MS-AR | 47 | $ 12,006,000 | $ 255,446 | $ 174,872 |
| New Orleans-Metairie-Kenner, LA | 47 | $ 10,997,000 | $ 233,978 | $ 132,000 |
| Stockton, CA | 47 | $ 10,135,000 | $ 215,638 | $ 120,000 |
| Tulsa, OK | 47 | $ 10,092,000 | $ 214,723 | $ 114,000 |
| Ann Arbor, MI | 45 | $ 11,586,000 | $ 257,466 | $ 155,000 |
| Worcester, MA | 45 | $ 10,452,000 | $ 232,266 | $ 139,000 |
| Louisville-Jefferson County, KY-IN | 44 | $ 9,649,000 | $ 219,295 | $ 126,045 |
| Allentown-Bethlehem-Easton, PA-NJ | 43 | $ 10,199,000 | $ 237,186 | $ 135,372 |
| Greenville-Mauldin-Easley, SC | 43 | $ 11,419,000 | $ 265,558 | $ 126,000 |
| Fresno, CA | 41 | $ 9,369,000 | $ 228,512 | $ 142,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 40 | $ 8,485,000 | $ 212,125 | $ 118,000 |
| Wilmington, DE-MD-NJ | 40 | $ 8,927,000 | $ 223,175 | $ 120,200 |
| Knoxville, TN | 39 | $ 10,040,000 | $ 257,435 | $ 125,000 |
| Eugene-Springfield, OR | 38 | $ 9,036,000 | $ 237,789 | $ 97,000 |
| Rockingham County-Strafford County, NH | 38 | $ 10,609,000 | $ 279,184 | $ 191,000 |
| Bakersfield, CA | 36 | $ 8,874,000 | $ 246,500 | $ 143,000 |
| New Haven-Milford, CT | 35 | $ 13,149,000 | $ 375,685 | $ 365,000 |
| Detroit-Livonia-Dearborn, MI | 33 | $ 7,732,000 | $ 234,303 | $ 142,000 |
| Manchester-Nashua, NH | 33 | $ 7,034,000 | $ 213,151 | $ 108,000 |
| Wilmington, NC | 33 | $ 12,250,000 | $ 371,212 | $ 558,000 |
| Albany-Schenectady-Troy, NY | 32 | $ 6,363,000 | $ 198,843 | $ 123,000 |
| Barnstable Town, MA | 32 | $ 10,239,000 | $ 319,968 | $ 221,000 |
| Harrisburg-Carlisle, PA | 32 | $ 5,606,000 | $ 175,187 | $ 111,000 |
| Little Rock-North Little Rock-Conway, AR | 32 | $ 6,499,000 | $ 203,093 | $ 117,000 |
| Omaha-Council Bluffs, NE-IA | 31 | $ 5,720,000 | $ 184,516 | $ 215,483 |
| Rochester, NY | 30 | $ 4,664,000 | $ 155,466 | $ 124,000 |
| Palm Bay-Melbourne-Titusville, FL | 29 | $ 6,650,000 | $ 229,310 | $ 114,000 |
| Port St. Lucie, FL | 28 | $ 7,768,000 | $ 277,428 | $ 214,000 |
| Savannah, GA | 28 | $ 7,564,000 | $ 270,142 | $ 172,000 |
| Lakeland-Winter Haven, FL | 26 | $ 5,554,000 | $ 213,615 | $ 118,000 |
| Atlantic City-Hammonton, NJ | 25 | $ 6,647,000 | $ 265,880 | $ 221,000 |
| Charlottesville, VA | 25 | $ 5,488,000 | $ 219,520 | $ 140,000 |
| Flagstaff, AZ | 25 | $ 7,619,000 | $ 304,760 | $ 204,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 25 | $ 5,605,000 | $ 224,200 | $ 142,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 25 | $ 5,895,000 | $ 235,800 | $ 127,000 |
| Columbia, SC | 24 | $ 5,048,000 | $ 210,333 | $ 113,000 |
| Ocean City, NJ | 24 | $ 13,514,000 | $ 563,083 | $ 368,000 |
| Wichita, KS | 24 | $ 4,613,000 | $ 192,208 | $ 117,000 |
| Buffalo-Niagara Falls, NY | 23 | $ 3,271,000 | $ 142,217 | $ 120,000 |
| Des Moines-West Des Moines, IA | 23 | $ 5,172,000 | $ 224,869 | $ 121,000 |
| Punta Gorda, FL | 23 | $ 4,734,000 | $ 205,826 | $ 112,000 |
| Shreveport-Bossier City, LA | 22 | $ 5,474,000 | $ 248,818 | $ 177,000 |
| Bellingham, WA | 21 | $ 6,267,000 | $ 298,428 | $ 108,000 |
| Chico, CA | 21 | $ 5,705,000 | $ 271,666 | $ 145,000 |
| Gary, IN | 21 | $ 4,267,000 | $ 203,190 | $ 101,000 |
| Greensboro-High Point, NC | 21 | $ 4,946,000 | $ 235,523 | $ 127,000 |
| Lancaster, PA | 21 | $ 4,438,000 | $ 211,333 | $ 127,000 |
| Jackson, MS | 20 | $ 3,778,000 | $ 188,900 | $ 201,000 |
| Mount Vernon-Anacortes, WA | 20 | $ 4,173,000 | $ 208,650 | $ 123,000 |
| Corvallis, OR | 19 | $ 4,252,000 | $ 223,789 | $ 92,000 |
| Dayton, OH | 19 | $ 3,350,000 | $ 176,315 | $ 122,000 |
| Gainesville, FL | 19 | $ 3,578,000 | $ 188,315 | $ 139,000 |
| Huntsville, AL | 19 | $ 3,525,000 | $ 185,526 | $ 205,000 |
| Merced, CA | 19 | $ 4,144,000 | $ 218,105 | $ 137,000 |
| Coeur D'Alene, ID | 18 | $ 6,019,000 | $ 334,388 | $ 192,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 18 | $ 3,401,000 | $ 188,944 | $ 109,000 |
| Gainesville, GA | 18 | $ 5,619,000 | $ 312,166 | $ 301,000 |
| Olympia, WA | 18 | $ 5,318,000 | $ 295,444 | $ 98,000 |
| Salem, OR | 18 | $ 3,563,000 | $ 197,944 | $ 120,000 |
| Sebastian-Vero Beach, FL | 18 | $ 7,317,000 | $ 406,500 | $ 174,000 |
| St. George, UT | 18 | $ 4,034,000 | $ 224,111 | $ 95,000 |
| Burlington-South Burlington, VT | 17 | $ 4,693,000 | $ 276,058 | $ 156,000 |
| Ogden-Clearfield, UT | 17 | $ 4,221,000 | $ 248,294 | $ 116,000 |
| Springfield, MA | 17 | $ 3,615,000 | $ 212,647 | $ 99,000 |
| Baton Rouge, LA | 16 | $ 3,316,000 | $ 207,250 | $ 144,000 |
| Greeley, CO | 16 | $ 3,949,000 | $ 246,812 | $ 185,000 |
| Madison, WI | 16 | $ 4,159,000 | $ 259,937 | $ 165,000 |
| Redding, CA | 16 | $ 3,796,000 | $ 237,250 | $ 93,000 |
| Springfield, MO | 16 | $ 2,502,000 | $ 156,375 | $ 86,000 |
| Toledo, OH | 16 | $ 3,161,000 | $ 197,562 | $ 153,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 2,768,000 | $ 184,533 | $ 118,400 |
| Fort Walton Beach-Crestview-Destin, FL | 15 | $ 4,982,000 | $ 332,133 | $ 227,000 |
| Grand Rapids-Wyoming, MI | 15 | $ 3,687,000 | $ 245,800 | $ 162,000 |
| Pensacola-Ferry Pass-Brent, FL | 15 | $ 3,206,000 | $ 213,733 | $ 196,000 |
| Roanoke, VA | 15 | $ 4,176,000 | $ 278,400 | $ 111,000 |
| Wenatchee-East Wenatchee, WA | 15 | $ 3,762,000 | $ 250,800 | $ 164,000 |
| Winston-Salem, NC | 15 | $ 2,677,000 | $ 178,466 | $ 114,000 |
| Chattanooga, TN-GA | 14 | $ 2,593,000 | $ 185,214 | $ 111,428 |
| Kalamazoo-Portage, MI | 14 | $ 2,364,000 | $ 168,857 | $ 187,000 |
| Provo-Orem, UT | 14 | $ 4,274,000 | $ 305,285 | $ 174,000 |
| Bloomington, IN | 13 | $ 2,628,000 | $ 202,153 | $ 134,000 |
| El Paso, TX | 13 | $ 2,427,000 | $ 186,692 | $ 173,000 |
| Kennewick-Pasco-Richland, WA | 13 | $ 2,535,000 | $ 195,000 | $ 134,000 |
| Las Cruces, NM | 13 | $ 2,383,000 | $ 183,307 | $ 253,000 |
| Grand Junction, CO | 12 | $ 2,202,000 | $ 183,500 | $ 76,000 |
| Lafayette, IN | 12 | $ 1,721,000 | $ 143,416 | $ 167,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 2,262,000 | $ 188,500 | $ 100,000 |
| Scranton--Wilkes-Barre, PA | 12 | $ 2,382,000 | $ 198,500 | $ 100,000 |
| Tallahassee, FL | 12 | $ 3,550,000 | $ 295,833 | $ 143,000 |
| Visalia-Porterville, CA | 12 | $ 2,577,000 | $ 214,750 | $ 124,000 |
| York-Hanover, PA | 12 | $ 2,056,000 | $ 171,333 | $ 162,000 |
| Glens Falls, NY | 11 | $ 2,158,000 | $ 196,181 | $ 123,000 |
| Lexington-Fayette, KY | 11 | $ 2,554,000 | $ 232,181 | $ 85,000 |
| Longview, WA | 11 | $ 2,158,000 | $ 196,181 | $ 89,000 |
| Madera-Chowchilla, CA | 11 | $ 1,873,000 | $ 170,272 | $ 68,000 |
| Ocala, FL | 11 | $ 1,982,000 | $ 180,181 | $ 76,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 11 | $ 2,463,000 | $ 223,909 | $ 126,000 |
| Tyler, TX | 11 | $ 2,180,000 | $ 198,181 | $ 115,000 |
| Holland-Grand Haven, MI | 10 | $ 3,713,000 | $ 371,300 | $ 161,000 |
| Lynchburg, VA | 10 | $ 3,116,000 | $ 311,600 | $ 152,000 |
| Missoula, MT | 10 | $ 2,730,000 | $ 273,000 | $ 100,000 |
| Norwich-New London, CT | 10 | $ 2,668,000 | $ 266,800 | $ 194,000 |
| Pittsfield, MA | 10 | $ 2,771,000 | $ 277,100 | $ 220,000 |
| South Bend-Mishawaka, IN-MI | 10 | $ 2,679,000 | $ 267,900 | $ 122,400 |
| Champaign-Urbana, IL | 9 | $ 1,775,000 | $ 197,222 | $ 158,000 |
| Evansville, IN-KY | 9 | $ 1,443,000 | $ 160,333 | $ 107,000 |
| Lawrence, KS | 9 | $ 1,703,000 | $ 189,222 | $ 83,000 |
| Oshkosh-Neenah, WI | 9 | $ 1,767,000 | $ 196,333 | $ 117,000 |
| Palm Coast, FL | 9 | $ 1,873,000 | $ 208,111 | $ 133,000 |
| Reading, PA | 9 | $ 1,338,000 | $ 148,666 | $ 88,000 |
| Billings, MT | 8 | $ 1,621,000 | $ 202,625 | $ 161,000 |
| Brunswick, GA | 8 | $ 2,032,000 | $ 254,000 | $ 123,000 |
| Canton-Massillon, OH | 8 | $ 1,031,000 | $ 128,875 | $ 99,000 |
| Carson City, NV | 8 | $ 1,976,000 | $ 247,000 | $ 89,000 |
| Gulfport-Biloxi, MS | 8 | $ 1,727,000 | $ 215,875 | $ 168,000 |
| Hot Springs, AR | 8 | $ 1,801,000 | $ 225,125 | $ 81,000 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 2,238,000 | $ 279,750 | $ 97,125 |
| Michigan City-La Porte, IN | 8 | $ 1,198,000 | $ 149,750 | $ 98,000 |
| Niles-Benton Harbor, MI | 8 | $ 1,649,000 | $ 206,125 | $ 123,000 |
| Pueblo, CO | 8 | $ 1,475,000 | $ 184,375 | $ 172,000 |
| Yakima, WA | 8 | $ 1,584,000 | $ 198,000 | $ 176,000 |
| Anderson, SC | 7 | $ 2,074,000 | $ 296,285 | $ 143,000 |
| Appleton, WI | 7 | $ 1,224,000 | $ 174,857 | $ 77,000 |
| Athens-Clarke County, GA | 7 | $ 1,405,000 | $ 200,714 | $ 88,000 |
| Corpus Christi, TX | 7 | $ 1,167,000 | $ 166,714 | $ 151,000 |
| Davenport-Moline-Rock Island, IA-IL | 7 | $ 1,408,000 | $ 201,142 | $ 107,857 |
| Duluth, MN-WI | 7 | $ 1,529,000 | $ 218,428 | $ 147,142 |
| Farmington, NM | 7 | $ 2,443,000 | $ 349,000 | $ 115,000 |
| Fort Wayne, IN | 7 | $ 1,049,000 | $ 149,857 | $ 114,000 |
| Green Bay, WI | 7 | $ 1,158,000 | $ 165,428 | $ 112,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 1,270,000 | $ 181,428 | $ 128,000 |
| Jackson, MI | 7 | $ 1,501,000 | $ 214,428 | $ 106,000 |
| Janesville, WI | 7 | $ 1,466,000 | $ 209,428 | $ 138,000 |
| Killeen-Temple-Fort Hood, TX | 7 | $ 1,387,000 | $ 198,142 | $ 229,000 |
| Lansing-East Lansing, MI | 7 | $ 1,504,000 | $ 214,857 | $ 83,000 |
| Lebanon, PA | 7 | $ 1,536,000 | $ 219,428 | $ 220,000 |
| Rapid City, SD | 7 | $ 1,637,000 | $ 233,857 | $ 98,000 |
| Rochester, MN | 7 | $ 1,439,000 | $ 205,571 | $ 132,000 |
| Rockford, IL | 7 | $ 1,389,000 | $ 198,428 | $ 110,000 |
| Anderson, IN | 6 | $ 963,000 | $ 160,500 | $ 107,000 |
| College Station-Bryan, TX | 6 | $ 1,081,000 | $ 180,166 | $ 73,000 |
| Fayetteville, NC | 6 | $ 980,000 | $ 163,333 | $ 122,000 |
| Hagerstown-Martinsburg, MD-WV | 6 | $ 1,655,000 | $ 275,833 | $ 156,333 |
| Idaho Falls, ID | 6 | $ 1,307,000 | $ 217,833 | $ 114,000 |
| Kingston, NY | 6 | $ 1,133,000 | $ 188,833 | $ 115,000 |
| Lafayette, LA | 6 | $ 1,396,000 | $ 232,666 | $ 139,000 |
| Peoria, IL | 6 | $ 1,150,000 | $ 191,666 | $ 72,000 |
| Spartanburg, SC | 6 | $ 1,246,000 | $ 207,666 | $ 130,000 |
| State College, PA | 6 | $ 1,357,000 | $ 226,166 | $ 77,000 |
| Syracuse, NY | 6 | $ 1,021,000 | $ 170,166 | $ 143,000 |
| Utica-Rome, NY | 6 | $ 972,000 | $ 162,000 | $ 89,000 |
| Waco, TX | 6 | $ 1,359,000 | $ 226,500 | $ 161,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 1,178,000 | $ 196,333 | $ 80,833 |
| Abilene, TX | 5 | $ 733,000 | $ 146,600 | $ 149,000 |
| Bangor, ME | 5 | $ 678,000 | $ 135,600 | $ 89,000 |
| Cedar Rapids, IA | 5 | $ 733,000 | $ 146,600 | $ 112,000 |
| Eau Claire, WI | 5 | $ 1,326,000 | $ 265,200 | $ 165,000 |
| Erie, PA | 5 | $ 1,562,000 | $ 312,400 | $ 196,000 |
| Lake Charles, LA | 5 | $ 910,000 | $ 182,000 | $ 106,000 |
| Lincoln, NE | 5 | $ 893,000 | $ 178,600 | $ 83,000 |
| Salisbury, MD | 5 | $ 1,358,000 | $ 271,600 | $ 220,000 |
| Sandusky, OH | 5 | $ 925,000 | $ 185,000 | $ 152,000 |
| Topeka, KS | 5 | $ 940,000 | $ 188,000 | $ 197,000 |
| Amarillo, TX | 4 | $ 817,000 | $ 204,250 | $ 72,000 |
| Beaumont-Port Arthur, TX | 4 | $ 632,000 | $ 158,000 | $ 102,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 1,196,000 | $ 299,000 | $ 181,000 |
| Burlington, NC | 4 | $ 480,000 | $ 120,000 | $ 70,000 |
| Columbus, GA-AL | 4 | $ 945,000 | $ 236,250 | $ 140,000 |
| Dothan, AL | 4 | $ 1,171,000 | $ 292,750 | $ 128,000 |
| Fort Smith, AR-OK | 4 | $ 546,000 | $ 136,500 | $ 111,750 |
| Iowa City, IA | 4 | $ 636,000 | $ 159,000 | $ 91,000 |
| Kokomo, IN | 4 | $ 480,000 | $ 120,000 | $ 80,000 |
| Lewiston-Auburn, ME | 4 | $ 545,000 | $ 136,250 | $ 53,000 |
| Longview, TX | 4 | $ 417,000 | $ 104,250 | $ 87,000 |
| Lubbock, TX | 4 | $ 829,000 | $ 207,250 | $ 105,000 |
| Macon, GA | 4 | $ 810,000 | $ 202,500 | $ 111,000 |
| Mankato-North Mankato, MN | 4 | $ 1,002,000 | $ 250,500 | $ 110,000 |
| Midland, TX | 4 | $ 587,000 | $ 146,750 | $ 132,000 |
| Morristown, TN | 4 | $ 461,000 | $ 115,250 | $ 91,000 |
| Muncie, IN | 4 | $ 641,000 | $ 160,250 | $ 142,000 |
| St. Joseph, MO-KS | 4 | $ 1,243,000 | $ 310,750 | $ 155,000 |
| Winchester, VA-WV | 4 | $ 1,115,000 | $ 278,750 | $ 154,000 |
| Yuba City, CA | 4 | $ 733,000 | $ 183,250 | $ 55,000 |
| Ames, IA | 3 | $ 622,000 | $ 207,333 | $ 129,000 |
| Auburn-Opelika, AL | 3 | $ 638,000 | $ 212,666 | $ 148,000 |
| Brownsville-Harlingen, TX | 3 | $ 626,000 | $ 208,666 | $ 114,000 |
| Decatur, AL | 3 | $ 413,000 | $ 137,666 | $ 70,000 |
| Elkhart-Goshen, IN | 3 | $ 370,000 | $ 123,333 | $ 124,000 |
| Florence-Muscle Shoals, AL | 3 | $ 780,000 | $ 260,000 | $ 173,000 |
| Joplin, MO | 3 | $ 444,000 | $ 148,000 | $ 86,000 |
| Lewiston, ID-WA | 3 | $ 699,000 | $ 233,000 | $ 141,000 |
| Manhattan, KS | 3 | $ 543,000 | $ 181,000 | $ 88,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 560,000 | $ 186,666 | $ 115,000 |
| Mobile, AL | 3 | $ 431,000 | $ 143,666 | $ 138,000 |
| Montgomery, AL | 3 | $ 664,000 | $ 221,333 | $ 172,000 |
| Pascagoula, MS | 3 | $ 492,000 | $ 164,000 | $ 79,000 |
| Sheboygan, WI | 3 | $ 721,000 | $ 240,333 | $ 150,000 |
| Sioux Falls, SD | 3 | $ 587,000 | $ 195,666 | $ 130,000 |
| Sumter, SC | 3 | $ 867,000 | $ 289,000 | $ 224,000 |
| Wichita Falls, TX | 3 | $ 241,000 | $ 80,333 | $ 72,000 |
| Yuma, AZ | 3 | $ 318,000 | $ 106,000 | $ 55,000 |
| Alexandria, LA | 2 | $ 421,000 | $ 210,500 | $ 192,000 |
| Battle Creek, MI | 2 | $ 366,000 | $ 183,000 | $ 109,000 |
| Bay City, MI | 2 | $ 197,000 | $ 98,500 | $ 83,000 |
| Binghamton, NY | 2 | $ 316,000 | $ 158,000 | $ 134,000 |
| Bowling Green, KY | 2 | $ 250,000 | $ 125,000 | $ 49,000 |
| Casper, WY | 2 | $ 591,000 | $ 295,500 | $ 257,000 |
| Charleston, WV | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Cheyenne, WY | 2 | $ 312,000 | $ 156,000 | $ 60,000 |
| Cleveland, TN | 2 | $ 230,000 | $ 115,000 | $ 90,000 |
| Columbia, MO | 2 | $ 442,000 | $ 221,000 | $ 177,000 |
| Dover, DE | 2 | $ 325,000 | $ 162,500 | $ 110,000 |
| Gadsden, AL | 2 | $ 265,000 | $ 132,500 | $ 32,000 |
| Harrisonburg, VA | 2 | $ 455,000 | $ 227,500 | $ 113,000 |
| Hattiesburg, MS | 2 | $ 233,000 | $ 116,500 | $ 107,000 |
| Ithaca, NY | 2 | $ 238,000 | $ 119,000 | $ 147,000 |
| Jackson, TN | 2 | $ 249,000 | $ 124,500 | $ 68,000 |
| Jacksonville, NC | 2 | $ 311,000 | $ 155,500 | $ 166,000 |
| Jefferson City, MO | 2 | $ 254,000 | $ 127,000 | $ 119,000 |
| Johnson City, TN | 2 | $ 332,000 | $ 166,000 | $ 76,000 |
| Johnstown, PA | 2 | $ 544,000 | $ 272,000 | $ 149,000 |
| Jonesboro, AR | 2 | $ 634,000 | $ 317,000 | $ 179,000 |
| Kankakee-Bradley, IL | 2 | $ 243,000 | $ 121,500 | $ 336,000 |
| Lawton, OK | 2 | $ 327,000 | $ 163,500 | $ 96,000 |
| Mansfield, OH | 2 | $ 177,000 | $ 88,500 | $ 63,000 |
| Monroe, MI | 2 | $ 445,000 | $ 222,500 | $ 155,000 |
| Morgantown, WV | 2 | $ 502,000 | $ 251,000 | $ 111,000 |
| Muskegon-Norton Shores, MI | 2 | $ 388,000 | $ 194,000 | $ 69,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 215,000 | $ 107,500 | $ 76,000 |
| Pocatello, ID | 2 | $ 414,000 | $ 207,000 | $ 119,000 |
| San Angelo, TX | 2 | $ 261,000 | $ 130,500 | $ 209,000 |
| Sherman-Denison, TX | 2 | $ 484,000 | $ 242,000 | $ 75,000 |
| Sioux City, IA-NE-SD | 2 | $ 301,000 | $ 150,500 | $ 97,500 |
| Terre Haute, IN | 2 | $ 402,000 | $ 201,000 | $ 95,000 |
| Tuscaloosa, AL | 2 | $ 618,000 | $ 309,000 | $ 126,000 |
| Valdosta, GA | 2 | $ 301,000 | $ 150,500 | $ 72,000 |
| Warner Robins, GA | 2 | $ 521,000 | $ 260,500 | $ 131,000 |
| Waterloo-Cedar Falls, IA | 2 | $ 329,000 | $ 164,500 | $ 263,000 |
| Anniston-Oxford, AL | 1 | $ 213,000 | $ 213,000 | $ 68,000 |
| Bloomington-Normal, IL | 1 | $ 254,000 | $ 254,000 | $ 125,000 |
| Clarksville, TN-KY | 1 | $ 91,000 | $ 91,000 | $ 42,000 |
| Columbus, IN | 1 | $ 289,000 | $ 289,000 | $ 300,000 |
| Danville, VA | 1 | $ 89,000 | $ 89,000 | $ 82,000 |
| Elmira, NY | 1 | $ 121,000 | $ 121,000 | $ 78,000 |
| Fairbanks, AK | 1 | $ 280,000 | $ 280,000 | $ 83,000 |
| Fargo, ND-MN | 1 | $ 192,000 | $ 192,000 | $ 84,000 |
| Flint, MI | 1 | $ 78,000 | $ 78,000 | $ 64,000 |
| Florence, SC | 1 | $ 399,000 | $ 399,000 | $ 380,000 |
| Goldsboro, NC | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Grand Forks, ND-MN | 1 | $ 395,000 | $ 395,000 | $ 950,000 |
| Great Falls, MT | 1 | $ 187,000 | $ 187,000 | $ 30,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 169,000 | $ 169,000 | $ 60,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 235,000 | $ 235,000 | $ 163,000 |
| La Crosse, WI-MN | 1 | $ 417,000 | $ 417,000 | $ 134,000 |
| Lima, OH | 1 | $ 143,000 | $ 143,000 | $ 141,000 |
| Logan, UT-ID | 1 | $ 134,000 | $ 134,000 | $ 93,000 |
| Monroe, LA | 1 | $ 149,000 | $ 149,000 | $ 92,000 |
| Racine, WI | 1 | $ 142,000 | $ 142,000 | $ 60,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Springfield, IL | 1 | $ 310,000 | $ 310,000 | $ 160,000 |
| Springfield, OH | 1 | $ 178,000 | $ 178,000 | $ 127,000 |
| St. Cloud, MN | 1 | $ 413,000 | $ 413,000 | $ 189,000 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 78,000 | $ 78,000 | $ 49,000 |
| Wausau, WI | 1 | $ 229,000 | $ 229,000 | $ 90,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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