Charles Schwab Bank Mortgage Lending & HMDA Data, 2006
In 2006, Charles Schwab Bank of San Francisco, CA reported 5,955 mortgage applications totaling $2.0 billion, down 25% from 2005. The average application was for $333,980, and applicants reported an average income of $159,025. 66% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (286), Oakland-Fremont-Hayward, CA (176) and Los Angeles-Long Beach-Glendale, CA (173) (applications in parentheses).
| Mortgage Company & Address | Charles Schwab Bank 101 Montgomery Street 11-262 San Francisco, CA 94104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 |
| Total Number of Mortgage Applications | 5,955 |
| Total Mortgage Loan Application Amount | $1,988,851,000 |
| Average Mortgage Loan Application Amount | $333,980 |
| Highest Mortgage Loan Application Amount | $3,794,000 |
| Average Applicant Income | $159,025 |
| Highest Applicant Income | $7,600,000 |
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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 286 | $ 84,190,000 | $ 294,370 | $ 121,000 |
| Oakland-Fremont-Hayward, CA | 176 | $ 84,960,000 | $ 482,727 | $ 155,000 |
| Los Angeles-Long Beach-Glendale, CA | 173 | $ 87,505,000 | $ 505,809 | $ 204,000 |
| Atlanta-Sandy Springs-Marietta, GA | 164 | $ 48,635,000 | $ 296,554 | $ 157,000 |
| Denver-Aurora, CO | 153 | $ 50,195,000 | $ 328,071 | $ 139,000 |
| New York-White Plains-Wayne, NY-NJ | 153 | $ 70,805,000 | $ 462,777 | $ 220,450 |
| San Francisco-San Mateo-Redwood City, CA | 150 | $ 88,208,000 | $ 588,053 | $ 225,000 |
| Chicago-Naperville-Joliet, IL | 139 | $ 42,128,000 | $ 303,079 | $ 147,000 |
| Seattle-Bellevue-Everett, WA | 131 | $ 46,565,000 | $ 355,458 | $ 136,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 111 | $ 44,708,000 | $ 402,774 | $ 243,459 |
| Houston-Sugar Land-Baytown, TX | 105 | $ 30,164,000 | $ 287,276 | $ 189,000 |
| San Diego-Carlsbad-San Marcos, CA | 101 | $ 55,022,000 | $ 544,772 | $ 198,000 |
| Santa Ana-Anaheim-Irvine, CA | 98 | $ 50,655,000 | $ 516,887 | $ 158,000 |
| Raleigh-Cary, NC | 94 | $ 16,967,000 | $ 180,500 | $ 155,000 |
| Riverside-San Bernardino-Ontario, CA | 93 | $ 32,158,000 | $ 345,784 | $ 151,000 |
| Portland-Vancouver-Beaverton, OR-WA | 88 | $ 27,864,000 | $ 316,636 | $ 141,772 |
| San Jose-Sunnyvale-Santa Clara, CA | 85 | $ 49,659,000 | $ 584,223 | $ 198,000 |
| Dallas-Plano-Irving, TX | 84 | $ 24,743,000 | $ 294,559 | $ 174,000 |
| Philadelphia, PA | 81 | $ 27,557,000 | $ 340,209 | $ 168,000 |
| Reno-Sparks, NV | 81 | $ 25,839,000 | $ 319,000 | $ 106,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 77 | $ 24,312,000 | $ 315,740 | $ 132,000 |
| Las Vegas-Paradise, NV | 66 | $ 24,503,000 | $ 371,257 | $ 188,000 |
| Austin-Round Rock, TX | 61 | $ 15,163,000 | $ 248,573 | $ 138,000 |
| Tucson, AZ | 61 | $ 14,664,000 | $ 240,393 | $ 129,000 |
| Nassau-Suffolk, NY | 58 | $ 31,079,000 | $ 535,844 | $ 366,000 |
| Indianapolis-Carmel, IN | 57 | $ 11,694,000 | $ 205,157 | $ 175,000 |
| Cambridge-Newton-Framingham, MA | 56 | $ 22,248,000 | $ 397,285 | $ 204,000 |
| Orlando-Kissimmee, FL | 56 | $ 12,264,000 | $ 219,000 | $ 89,000 |
| Tampa-St. Petersburg-Clearwater, FL | 55 | $ 14,614,000 | $ 265,709 | $ 153,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 48 | $ 12,917,000 | $ 269,104 | $ 114,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 48 | $ 17,658,000 | $ 367,875 | $ 155,000 |
| Edison, NJ | 47 | $ 16,236,000 | $ 345,446 | $ 198,000 |
| Newark-Union, NJ-PA | 46 | $ 19,079,000 | $ 414,760 | $ 231,000 |
| Baltimore-Towson, MD | 44 | $ 13,318,000 | $ 302,681 | $ 176,000 |
| Bethesda-Gaithersburg-Frederick, MD | 44 | $ 18,953,000 | $ 430,750 | $ 151,000 |
| Boston-Quincy, MA | 42 | $ 17,144,000 | $ 408,190 | $ 134,000 |
| St. Louis, MO-IL | 42 | $ 9,556,000 | $ 227,523 | $ 150,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 37 | $ 11,231,000 | $ 303,540 | $ 172,000 |
| Cape Coral-Fort Myers, FL | 36 | $ 12,356,000 | $ 343,222 | $ 196,000 |
| Miami-Miami Beach-Kendall, FL | 35 | $ 13,475,000 | $ 385,000 | $ 377,000 |
| Bridgeport-Stamford-Norwalk, CT | 33 | $ 13,815,000 | $ 418,636 | $ 142,000 |
| Cincinnati-Middletown, OH-KY-IN | 32 | $ 8,844,000 | $ 276,375 | $ 135,593 |
| Charlotte-Gastonia-Concord, NC-SC | 31 | $ 8,027,000 | $ 258,935 | $ 123,870 |
| Fort Worth-Arlington, TX | 31 | $ 5,627,000 | $ 181,516 | $ 116,000 |
| Jacksonville, FL | 30 | $ 10,338,000 | $ 344,600 | $ 134,000 |
| San Antonio, TX | 29 | $ 5,580,000 | $ 192,413 | $ 128,000 |
| Cleveland-Elyria-Mentor, OH | 28 | $ 7,144,000 | $ 255,142 | $ 129,000 |
| Santa Rosa-Petaluma, CA | 28 | $ 11,153,000 | $ 398,321 | $ 172,000 |
| Sarasota-Bradenton-Venice, FL | 28 | $ 10,182,000 | $ 363,642 | $ 152,000 |
| Honolulu, HI | 26 | $ 12,856,000 | $ 494,461 | $ 136,000 |
| Kansas City, MO-KS | 26 | $ 4,859,000 | $ 186,884 | $ 90,230 |
| Albuquerque, NM | 25 | $ 6,201,000 | $ 248,040 | $ 114,000 |
| Boise City-Nampa, ID | 24 | $ 4,601,000 | $ 191,708 | $ 104,000 |
| Vallejo-Fairfield, CA | 24 | $ 7,609,000 | $ 317,041 | $ 109,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 23 | $ 9,809,000 | $ 426,478 | $ 189,000 |
| Columbus, OH | 22 | $ 4,346,000 | $ 197,545 | $ 87,000 |
| Salt Lake City, UT | 22 | $ 7,024,000 | $ 319,272 | $ 199,000 |
| Anchorage, AK | 21 | $ 5,601,000 | $ 266,714 | $ 163,000 |
| Boulder, CO | 21 | $ 8,048,000 | $ 383,238 | $ 148,000 |
| Nashville-Davidson--Murfreesboro, TN | 20 | $ 5,028,000 | $ 251,400 | $ 173,000 |
| Hartford-West Hartford-East Hartford, CT | 19 | $ 6,695,000 | $ 352,368 | $ 195,000 |
| New Orleans-Metairie-Kenner, LA | 19 | $ 3,683,000 | $ 193,842 | $ 143,000 |
| Warren-Troy-Farmington Hills, MI | 19 | $ 4,880,000 | $ 256,842 | $ 105,000 |
| Pittsburgh, PA | 18 | $ 3,749,000 | $ 208,277 | $ 118,000 |
| Richmond, VA | 18 | $ 4,309,000 | $ 239,388 | $ 121,000 |
| Charleston-North Charleston, SC | 17 | $ 5,911,000 | $ 347,705 | $ 166,000 |
| Knoxville, TN | 17 | $ 3,121,000 | $ 183,588 | $ 162,000 |
| Memphis, TN-MS-AR | 17 | $ 3,441,000 | $ 202,411 | $ 130,647 |
| Providence-New Bedford-Fall River, RI-MA | 17 | $ 9,457,000 | $ 556,294 | $ 249,294 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 6,905,000 | $ 406,176 | $ 166,000 |
| Baton Rouge, LA | 16 | $ 2,665,000 | $ 166,562 | $ 95,000 |
| Bend, OR | 16 | $ 4,780,000 | $ 298,750 | $ 141,000 |
| Spokane, WA | 16 | $ 3,662,000 | $ 228,875 | $ 129,000 |
| Stockton, CA | 16 | $ 5,076,000 | $ 317,250 | $ 116,000 |
| Wilmington, DE-MD-NJ | 16 | $ 3,503,000 | $ 218,937 | $ 157,812 |
| Asheville, NC | 15 | $ 3,344,000 | $ 222,933 | $ 129,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 4,040,000 | $ 269,333 | $ 147,266 |
| Milwaukee-Waukesha-West Allis, WI | 15 | $ 4,228,000 | $ 281,866 | $ 114,000 |
| Oklahoma City, OK | 15 | $ 2,237,000 | $ 149,133 | $ 70,000 |
| Salinas, CA | 15 | $ 9,705,000 | $ 647,000 | $ 175,000 |
| Santa Barbara-Santa Maria, CA | 15 | $ 12,431,000 | $ 828,733 | $ 166,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 9,273,000 | $ 618,200 | $ 139,000 |
| Durham, NC | 14 | $ 5,298,000 | $ 378,428 | $ 226,000 |
| Essex County, MA | 14 | $ 4,461,000 | $ 318,642 | $ 125,000 |
| Eugene-Springfield, OR | 14 | $ 2,869,000 | $ 204,928 | $ 114,000 |
| Madison, WI | 14 | $ 2,845,000 | $ 203,214 | $ 92,000 |
| Palm Bay-Melbourne-Titusville, FL | 14 | $ 3,604,000 | $ 257,428 | $ 170,000 |
| Prescott, AZ | 14 | $ 3,250,000 | $ 232,142 | $ 96,000 |
| Tacoma, WA | 14 | $ 3,493,000 | $ 249,500 | $ 121,000 |
| Akron, OH | 13 | $ 3,101,000 | $ 238,538 | $ 121,000 |
| Bakersfield, CA | 13 | $ 3,204,000 | $ 246,461 | $ 115,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 13 | $ 2,624,000 | $ 201,846 | $ 130,000 |
| Greenville, SC | 13 | $ 3,864,000 | $ 297,230 | $ 129,000 |
| New Haven-Milford, CT | 13 | $ 5,098,000 | $ 392,153 | $ 147,000 |
| San Luis Obispo-Paso Robles, CA | 13 | $ 5,510,000 | $ 423,846 | $ 303,000 |
| Wilmington, NC | 13 | $ 3,627,000 | $ 279,000 | $ 204,000 |
| Camden, NJ | 12 | $ 3,301,000 | $ 275,083 | $ 140,000 |
| Gulfport-Biloxi, MS | 12 | $ 1,437,000 | $ 119,750 | $ 101,000 |
| Portland-South Portland-Biddeford, ME | 12 | $ 3,911,000 | $ 325,916 | $ 205,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 12 | $ 3,655,000 | $ 304,583 | $ 114,000 |
| Savannah, GA | 12 | $ 2,920,000 | $ 243,333 | $ 94,000 |
| Tulsa, OK | 12 | $ 1,888,000 | $ 157,333 | $ 82,000 |
| Albany-Schenectady-Troy, NY | 11 | $ 2,311,000 | $ 210,090 | $ 135,000 |
| Colorado Springs, CO | 11 | $ 2,801,000 | $ 254,636 | $ 156,000 |
| Medford, OR | 11 | $ 3,875,000 | $ 352,272 | $ 122,000 |
| Naples-Marco Island, FL | 11 | $ 4,657,000 | $ 423,363 | $ 129,000 |
| Ann Arbor, MI | 10 | $ 2,903,000 | $ 290,300 | $ 151,000 |
| Fort Collins-Loveland, CO | 10 | $ 1,965,000 | $ 196,500 | $ 104,000 |
| Harrisburg-Carlisle, PA | 10 | $ 3,303,000 | $ 330,300 | $ 167,000 |
| Toledo, OH | 10 | $ 1,930,000 | $ 193,000 | $ 98,000 |
| Birmingham-Hoover, AL | 9 | $ 3,440,000 | $ 382,222 | $ 148,000 |
| Modesto, CA | 9 | $ 2,369,000 | $ 263,222 | $ 110,000 |
| Napa, CA | 9 | $ 6,346,000 | $ 705,111 | $ 388,000 |
| Pascagoula, MS | 9 | $ 1,568,000 | $ 174,222 | $ 116,000 |
| Port St. Lucie-Fort Pierce, FL | 9 | $ 1,716,000 | $ 190,666 | $ 72,000 |
| Punta Gorda, FL | 9 | $ 1,771,000 | $ 196,777 | $ 87,000 |
| Rochester, NY | 9 | $ 1,575,000 | $ 175,000 | $ 118,000 |
| Worcester, MA | 9 | $ 1,955,000 | $ 217,222 | $ 104,000 |
| Atlantic City, NJ | 8 | $ 1,784,000 | $ 223,000 | $ 130,000 |
| Coeur D'Alene, ID | 8 | $ 2,248,000 | $ 281,000 | $ 117,000 |
| Flagstaff, AZ | 8 | $ 3,193,000 | $ 399,125 | $ 205,000 |
| Greensboro-High Point, NC | 8 | $ 1,731,000 | $ 216,375 | $ 112,000 |
| Lakeland, FL | 8 | $ 1,656,000 | $ 207,000 | $ 136,000 |
| Lexington-Fayette, KY | 8 | $ 1,747,000 | $ 218,375 | $ 102,000 |
| Little Rock-North Little Rock, AR | 8 | $ 2,282,000 | $ 285,250 | $ 99,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 8 | $ 1,524,000 | $ 190,500 | $ 169,000 |
| Ocala, FL | 8 | $ 1,617,000 | $ 202,125 | $ 95,000 |
| Pensacola-Ferry Pass-Brent, FL | 8 | $ 3,035,000 | $ 379,375 | $ 198,000 |
| Santa Fe, NM | 8 | $ 2,671,000 | $ 333,875 | $ 104,000 |
| Barnstable Town, MA | 7 | $ 3,404,000 | $ 486,285 | $ 319,000 |
| Bellingham, WA | 7 | $ 1,778,000 | $ 254,000 | $ 100,000 |
| Burlington-South Burlington, VT | 7 | $ 1,921,000 | $ 274,428 | $ 132,000 |
| Charlottesville, VA | 7 | $ 1,959,000 | $ 279,857 | $ 82,000 |
| Chattanooga, TN-GA | 7 | $ 1,726,000 | $ 246,571 | $ 131,000 |
| Fresno, CA | 7 | $ 2,416,000 | $ 345,142 | $ 139,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 1,794,000 | $ 256,285 | $ 86,000 |
| Hot Springs, AR | 7 | $ 1,128,000 | $ 161,142 | $ 83,000 |
| Louisville-Jefferson County, KY-IN | 7 | $ 1,067,000 | $ 152,428 | $ 102,285 |
| Manchester-Nashua, NH | 7 | $ 1,686,000 | $ 240,857 | $ 92,000 |
| Ocean City, NJ | 7 | $ 2,812,000 | $ 401,714 | $ 239,000 |
| Omaha-Council Bluffs, NE-IA | 7 | $ 1,379,000 | $ 197,000 | $ 101,000 |
| Provo-Orem, UT | 7 | $ 2,326,000 | $ 332,285 | $ 115,000 |
| Rockingham County-Strafford County, NH | 7 | $ 1,764,000 | $ 252,000 | $ 113,000 |
| Scranton--Wilkes-Barre, PA | 7 | $ 914,000 | $ 130,571 | $ 88,000 |
| Sebastian-Vero Beach, FL | 7 | $ 2,126,000 | $ 303,714 | $ 175,000 |
| Trenton-Ewing, NJ | 7 | $ 2,121,000 | $ 303,000 | $ 184,000 |
| York-Hanover, PA | 7 | $ 1,419,000 | $ 202,714 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 6 | $ 1,773,000 | $ 295,500 | $ 206,666 |
| Columbia, SC | 6 | $ 1,703,000 | $ 283,833 | $ 177,000 |
| Detroit-Livonia-Dearborn, MI | 6 | $ 2,495,000 | $ 415,833 | $ 153,000 |
| Fort Wayne, IN | 6 | $ 764,000 | $ 127,333 | $ 77,000 |
| Gary, IN | 6 | $ 1,138,000 | $ 189,666 | $ 194,000 |
| Jackson, MS | 6 | $ 1,125,000 | $ 187,500 | $ 147,000 |
| Montgomery, AL | 6 | $ 1,129,000 | $ 188,166 | $ 159,000 |
| Olympia, WA | 6 | $ 1,126,000 | $ 187,666 | $ 51,000 |
| Springfield, MA | 6 | $ 843,000 | $ 140,500 | $ 89,000 |
| Charleston, WV | 5 | $ 1,480,000 | $ 296,000 | $ 114,000 |
| Dayton, OH | 5 | $ 783,000 | $ 156,600 | $ 45,000 |
| Grand Junction, CO | 5 | $ 1,088,000 | $ 217,600 | $ 75,000 |
| Huntsville, AL | 5 | $ 1,111,000 | $ 222,200 | $ 109,000 |
| Kalamazoo-Portage, MI | 5 | $ 1,179,000 | $ 235,800 | $ 121,000 |
| Kingston, NY | 5 | $ 1,042,000 | $ 208,400 | $ 140,000 |
| Panama City-Lynn Haven, FL | 5 | $ 1,753,000 | $ 350,600 | $ 302,000 |
| Roanoke, VA | 5 | $ 769,000 | $ 153,800 | $ 54,000 |
| Salem, OR | 5 | $ 1,038,000 | $ 207,600 | $ 112,000 |
| St. George, UT | 5 | $ 735,000 | $ 147,000 | $ 89,000 |
| Syracuse, NY | 5 | $ 686,000 | $ 137,200 | $ 118,000 |
| Bloomington, IN | 4 | $ 970,000 | $ 242,500 | $ 84,000 |
| Brunswick, GA | 4 | $ 738,000 | $ 184,500 | $ 212,000 |
| College Station-Bryan, TX | 4 | $ 600,000 | $ 150,000 | $ 158,000 |
| Corpus Christi, TX | 4 | $ 473,000 | $ 118,250 | $ 126,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 808,000 | $ 202,000 | $ 70,000 |
| Gainesville, FL | 4 | $ 977,000 | $ 244,250 | $ 235,000 |
| Greeley, CO | 4 | $ 1,103,000 | $ 275,750 | $ 115,000 |
| Lancaster, PA | 4 | $ 982,000 | $ 245,500 | $ 88,000 |
| Longview, WA | 4 | $ 545,000 | $ 136,250 | $ 148,000 |
| Midland, TX | 4 | $ 426,000 | $ 106,500 | $ 120,000 |
| Missoula, MT | 4 | $ 1,210,000 | $ 302,500 | $ 99,000 |
| Redding, CA | 4 | $ 1,283,000 | $ 320,750 | $ 69,000 |
| Tallahassee, FL | 4 | $ 733,000 | $ 183,250 | $ 160,000 |
| Tyler, TX | 4 | $ 457,000 | $ 114,250 | $ 84,000 |
| Wichita, KS | 4 | $ 1,137,000 | $ 284,250 | $ 180,000 |
| Anderson, SC | 3 | $ 891,000 | $ 297,000 | $ 119,000 |
| Athens-Clarke County, GA | 3 | $ 391,000 | $ 130,333 | $ 90,000 |
| Bremerton-Silverdale, WA | 3 | $ 633,000 | $ 211,000 | $ 117,000 |
| Brownsville-Harlingen, TX | 3 | $ 492,000 | $ 164,000 | $ 79,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 411,000 | $ 137,000 | $ 66,000 |
| Casper, WY | 3 | $ 483,000 | $ 161,000 | $ 105,000 |
| Champaign-Urbana, IL | 3 | $ 565,000 | $ 188,333 | $ 93,000 |
| Chico, CA | 3 | $ 589,000 | $ 196,333 | $ 97,000 |
| Corvallis, OR | 3 | $ 812,000 | $ 270,666 | $ 90,000 |
| Evansville, IN-KY | 3 | $ 505,000 | $ 168,333 | $ 73,000 |
| Farmington, NM | 3 | $ 638,000 | $ 212,666 | $ 80,000 |
| Fort Smith, AR-OK | 3 | $ 308,000 | $ 102,666 | $ 65,000 |
| Gainesville, GA | 3 | $ 829,000 | $ 276,333 | $ 196,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 484,000 | $ 161,333 | $ 127,000 |
| Lake Charles, LA | 3 | $ 381,000 | $ 127,000 | $ 56,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 948,000 | $ 316,000 | $ 220,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,338,000 | $ 446,000 | $ 96,000 |
| Norwich-New London, CT | 3 | $ 967,000 | $ 322,333 | $ 148,000 |
| Pueblo, CO | 3 | $ 695,000 | $ 231,666 | $ 173,000 |
| Rockford, IL | 3 | $ 754,000 | $ 251,333 | $ 134,000 |
| Salisbury, MD | 3 | $ 568,000 | $ 189,333 | $ 74,000 |
| Wenatchee, WA | 3 | $ 410,000 | $ 136,666 | $ 201,000 |
| Wheeling, WV-OH | 3 | $ 152,000 | $ 50,666 | $ 93,000 |
| Abilene, TX | 2 | $ 351,000 | $ 175,500 | $ 84,000 |
| Albany, GA | 2 | $ 210,000 | $ 105,000 | $ 48,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 432,000 | $ 216,000 | $ 83,000 |
| Billings, MT | 2 | $ 280,000 | $ 140,000 | $ 269,000 |
| Binghamton, NY | 2 | $ 284,000 | $ 142,000 | $ 120,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 285,000 | $ 142,500 | $ 60,500 |
| Decatur, AL | 2 | $ 307,000 | $ 153,500 | $ 112,000 |
| El Paso, TX | 2 | $ 589,000 | $ 294,500 | $ 235,000 |
| Elkhart-Goshen, IN | 2 | $ 304,000 | $ 152,000 | $ 118,000 |
| Erie, PA | 2 | $ 161,000 | $ 80,500 | $ 92,000 |
| Fayetteville, NC | 2 | $ 153,000 | $ 76,500 | $ 212,000 |
| Green Bay, WI | 2 | $ 210,000 | $ 105,000 | $ 89,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 309,000 | $ 154,500 | $ 241,000 |
| Holland-Grand Haven, MI | 2 | $ 237,000 | $ 118,500 | $ 72,000 |
| Jackson, MI | 2 | $ 563,000 | $ 281,500 | $ 176,000 |
| Joplin, MO | 2 | $ 242,000 | $ 121,000 | $ 338,000 |
| Kennewick-Richland-Pasco, WA | 2 | $ 333,000 | $ 166,500 | $ 78,000 |
| Killeen-Temple-Fort Hood, TX | 2 | $ 430,000 | $ 215,000 | $ 182,000 |
| Kokomo, IN | 2 | $ 276,000 | $ 138,000 | $ 105,000 |
| Las Cruces, NM | 2 | $ 471,000 | $ 235,500 | $ 285,000 |
| Lawrence, KS | 2 | $ 349,000 | $ 174,500 | $ 112,000 |
| Macon, GA | 2 | $ 387,000 | $ 193,500 | $ 102,000 |
| Mansfield, OH | 2 | $ 188,000 | $ 94,000 | $ 94,000 |
| Niles-Benton Harbor, MI | 2 | $ 624,000 | $ 312,000 | $ 98,000 |
| Peoria, IL | 2 | $ 423,000 | $ 211,500 | $ 186,000 |
| Pittsfield, MA | 2 | $ 595,000 | $ 297,500 | $ 260,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 588,000 | $ 294,000 | $ 678,000 |
| Shreveport-Bossier City, LA | 2 | $ 335,000 | $ 167,500 | $ 85,000 |
| State College, PA | 2 | $ 294,000 | $ 147,000 | $ 158,000 |
| Winchester, VA-WV | 2 | $ 299,000 | $ 149,500 | $ 83,000 |
| Winston-Salem, NC | 2 | $ 287,000 | $ 143,500 | $ 35,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 221,000 | $ 110,500 | $ 44,000 |
| Yuba City, CA | 2 | $ 521,000 | $ 260,500 | $ 50,000 |
| Alexandria, LA | 1 | $ 320,000 | $ 320,000 | $ 600,000 |
| Altoona, PA | 1 | $ 98,000 | $ 98,000 | $ 55,000 |
| Amarillo, TX | 1 | $ 400,000 | $ 400,000 | $ 351,000 |
| Appleton, WI | 1 | $ 149,000 | $ 149,000 | $ 120,000 |
| Bangor, ME | 1 | $ 100,000 | $ 100,000 | $ 22,000 |
| Battle Creek, MI | 1 | $ 208,000 | $ 208,000 | $ 89,000 |
| Canton-Massillon, OH | 1 | $ 108,000 | $ 108,000 | $ 28,000 |
| Carson City, NV | 1 | $ 74,000 | $ 74,000 | $ 24,000 |
| Clarksville, TN-KY | 1 | $ 97,000 | $ 97,000 | $ 19,000 |
| Cleveland, TN | 1 | $ 216,000 | $ 216,000 | $ 89,000 |
| Columbus, GA-AL | 1 | $ 130,000 | $ 130,000 | $ 144,000 |
| Columbus, IN | 1 | $ 212,000 | $ 212,000 | $ 79,000 |
| Cumberland, MD-WV | 1 | $ 64,000 | $ 64,000 | $ 41,000 |
| Danville, VA | 1 | $ 111,000 | $ 111,000 | $ 80,000 |
| Decatur, IL | 1 | $ 179,000 | $ 179,000 | $ 84,000 |
| Des Moines-West Des Moines, IA | 1 | $ 268,000 | $ 268,000 | $ 112,000 |
| Dover, DE | 1 | $ 120,000 | $ 120,000 | $ 96,000 |
| Dubuque, IA | 1 | $ 216,000 | $ 216,000 | $ 62,000 |
| Duluth, MN-WI | 1 | $ 129,000 | $ 129,000 | $ 88,000 |
| Elmira, NY | 1 | $ 116,000 | $ 116,000 | $ 110,000 |
| Florence, SC | 1 | $ 173,000 | $ 173,000 | $ 65,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 592,000 | $ 592,000 | $ 109,000 |
| Glens Falls, NY | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| Great Falls, MT | 1 | $ 272,000 | $ 272,000 | $ 165,000 |
| Harrisonburg, VA | 1 | $ 266,000 | $ 266,000 | $ 45,000 |
| Hattiesburg, MS | 1 | $ 131,000 | $ 131,000 | $ 248,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 280,000 | $ 280,000 | $ 59,000 |
| Iowa City, IA | 1 | $ 163,000 | $ 163,000 | $ 68,000 |
| Ithaca, NY | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Jacksonville, NC | 1 | $ 113,000 | $ 113,000 | $ 42,000 |
| Janesville, WI | 1 | $ 417,000 | $ 417,000 | $ 560,000 |
| Jefferson City, MO | 1 | $ 85,000 | $ 85,000 | $ 82,000 |
| Kankakee-Bradley, IL | 1 | $ 248,000 | $ 248,000 | $ 800,000 |
| Lafayette, LA | 1 | $ 148,000 | $ 148,000 | $ 88,000 |
| Lebanon, PA | 1 | $ 184,000 | $ 184,000 | $ 254,000 |
| Lewiston, ID-WA | 1 | $ 248,000 | $ 248,000 | $ 81,000 |
| Lewiston-Auburn, ME | 1 | $ 178,000 | $ 178,000 | $ 55,000 |
| Lincoln, NE | 1 | $ 112,000 | $ 112,000 | $ 60,000 |
| Lubbock, TX | 1 | $ 354,000 | $ 354,000 | $ 139,000 |
| Madera, CA | 1 | $ 600,000 | $ 600,000 | $ 404,000 |
| Merced, CA | 1 | $ 120,000 | $ 120,000 | $ 22,000 |
| Michigan City-La Porte, IN | 1 | $ 68,000 | $ 68,000 | $ 136,000 |
| Mobile, AL | 1 | $ 142,000 | $ 142,000 | $ 248,000 |
| Muncie, IN | 1 | $ 116,000 | $ 116,000 | $ 98,000 |
| Ogden-Clearfield, UT | 1 | $ 144,000 | $ 144,000 | $ 18,000 |
| Pine Bluff, AR | 1 | $ 152,000 | $ 152,000 | $ 88,000 |
| Pocatello, ID | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| Rocky Mount, NC | 1 | $ 50,000 | $ 50,000 | $ 43,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 233,000 | $ 233,000 | $ 149,000 |
| Springfield, MO | 1 | $ 82,000 | $ 82,000 | $ 82,000 |
| St. Cloud, MN | 1 | $ 180,000 | $ 180,000 | $ 140,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 80,000 | $ 80,000 | $ 101,000 |
| Wichita Falls, TX | 1 | $ 139,000 | $ 139,000 | $ 150,000 |
| Yakima, WA | 1 | $ 180,000 | $ 180,000 | $ 265,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank in 2006
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 | 3,378 | $1,112,337,000 | $329,000 | $3,794,000 | $170,000 | $7,600,000 |
| Refinancing | 2,449 | $822,850,000 | $335,000 | $3,102,000 | $143,000 | $4,805,000 |
| Home Improvement | 128 | $53,664,000 | $419,000 | $3,500,000 | $176,000 | $1,947,000 |
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 | 3,913 | $1,288,387,000 | $329,000 | $3,794,000 | $154,000 | $4,805,000 |
| Not Provided | 1,501 | $528,613,000 | $352,000 | $3,600,000 | $177,000 | $7,600,000 |
| Asian | 253 | $94,266,000 | $372,000 | $1,520,000 | $163,000 | $1,008,000 |
| Hispanic | 153 | $44,814,000 | $292,000 | $1,437,000 | $144,000 | $1,300,000 |
| Black or African American | 98 | $23,336,000 | $238,000 | $738,000 | $94,000 | $260,000 |
| American Indian or Alaskan Native | 27 | $6,910,000 | $255,000 | $601,000 | $111,000 | $276,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $2,525,000 | $252,000 | $608,000 | $110,000 | $293,000 |
| 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) | 5,955 | $1,988,851,000 | $333,000 | $3,794,000 | $159,000 | $7,600,000 |
| 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 | 3,943 | $1,151,291,000 | $291,000 | $3,794,000 | $152,000 | $7,600,000 |
| Application Denied By Financial Institution | 831 | $322,478,000 | $388,000 | $3,600,000 | $135,000 | $2,500,000 |
| Application Withdrawn By Applicant | 745 | $392,788,000 | $527,000 | $3,102,000 | $228,000 | $6,705,000 |
| Application Approved But Not Accepted | 390 | $112,232,000 | $287,000 | $2,000,000 | $157,000 | $3,000,000 |
| Loan Purchased By The Institution | 25 | $4,660,000 | $186,000 | $279,000 | $39,000 | $55,000 |
| File Closed For Incompleteness | 21 | $5,402,000 | $257,000 | $728,000 | $140,000 | $600,000 |
| 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 | 361 | $159,936,000 | $443,000 | $3,600,000 | $99,000 | $900,000 |
| Collateral | 201 | $69,081,000 | $343,000 | $3,500,000 | $182,000 | $2,500,000 |
| Credit History | 79 | $26,826,000 | $339,000 | $1,300,000 | $119,000 | $700,000 |
| Other | 58 | $22,420,000 | $386,000 | $2,500,000 | $218,000 | $1,800,000 |
| Credit Application Incomplete | 48 | $12,607,000 | $262,000 | $1,680,000 | $131,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 43 | $13,781,000 | $320,000 | $2,000,000 | $109,000 | $562,000 |
| Unverifiable Information | 30 | $14,432,000 | $481,000 | $1,626,000 | $183,000 | $735,000 |
| Employment History | 11 | $3,395,000 | $308,000 | $900,000 | $114,000 | $400,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank's 2006 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