Charles Schwab Bank Mortgage Lending & HMDA Data, 2004
In 2004, Charles Schwab Bank of San Francisco, CA reported 7,852 mortgage applications totaling $1.9 billion. The average application was for $242,668, and applicants reported an average income of $118,695. 63% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (345), Oakland-Fremont-Hayward, CA (239) and Los Angeles-Long Beach-Glendale, CA (225) (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 | 7,852 |
| Total Mortgage Loan Application Amount | $1,905,435,000 |
| Average Mortgage Loan Application Amount | $242,668 |
| Highest Mortgage Loan Application Amount | $2,910,000 |
| Average Applicant Income | $118,695 |
| Highest Applicant Income | $2,325,000 |
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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 345 | $ 66,464,000 | $ 192,649 | $ 101,000 |
| Oakland-Fremont-Hayward, CA | 239 | $ 82,658,000 | $ 345,849 | $ 125,000 |
| Los Angeles-Long Beach-Glendale, CA | 225 | $ 73,221,000 | $ 325,426 | $ 123,000 |
| New York-Wayne-White Plains, NY-NJ | 218 | $ 70,799,000 | $ 324,766 | $ 161,000 |
| San Francisco-San Mateo-Redwood City, CA | 204 | $ 83,212,000 | $ 407,901 | $ 154,000 |
| Denver-Aurora, CO | 202 | $ 44,972,000 | $ 222,633 | $ 94,000 |
| Atlanta-Sandy Springs-Marietta, GA | 200 | $ 42,814,000 | $ 214,070 | $ 120,000 |
| Houston-Baytown-Sugar Land, TX | 191 | $ 27,695,000 | $ 145,000 | $ 115,000 |
| Chicago-Naperville-Joliet, IL | 181 | $ 44,219,000 | $ 244,303 | $ 161,000 |
| San Diego-Carlsbad-San Marcos, CA | 133 | $ 48,357,000 | $ 363,586 | $ 147,000 |
| Las Vegas-Paradise, NV | 125 | $ 26,816,000 | $ 214,528 | $ 100,000 |
| Seattle-Bellevue-Everett, WA | 125 | $ 33,858,000 | $ 270,864 | $ 126,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 122 | $ 29,178,000 | $ 239,163 | $ 110,000 |
| Edison, NJ | 115 | $ 31,305,000 | $ 272,217 | $ 148,000 |
| Riverside-San Bernardino-Ontario, CA | 114 | $ 27,356,000 | $ 239,964 | $ 124,000 |
| Santa Ana-Anaheim-Irvine, CA | 111 | $ 36,431,000 | $ 328,207 | $ 135,000 |
| Philadelphia, PA | 110 | $ 27,462,000 | $ 249,654 | $ 117,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 103 | $ 41,742,000 | $ 405,262 | $ 158,000 |
| Nassau-Suffolk, NY | 91 | $ 28,060,000 | $ 308,351 | $ 181,000 |
| Tampa-St. Petersburg-Clearwater, FL | 91 | $ 17,935,000 | $ 197,087 | $ 121,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 85 | $ 22,394,000 | $ 263,458 | $ 156,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 81 | $ 19,483,000 | $ 240,530 | $ 111,000 |
| Newark-Union, NJ-PA | 81 | $ 24,555,000 | $ 303,148 | $ 140,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 77 | $ 16,675,000 | $ 216,558 | $ 109,000 |
| Baltimore-Towson, MD | 74 | $ 18,241,000 | $ 246,500 | $ 133,000 |
| Portland-Vancouver-Beaverton, OR-WA | 71 | $ 13,849,000 | $ 195,056 | $ 102,000 |
| Austin-Round Rock, TX | 69 | $ 13,784,000 | $ 199,768 | $ 152,000 |
| Orlando, FL | 69 | $ 11,199,000 | $ 162,304 | $ 94,000 |
| Reno-Sparks, NV | 69 | $ 16,074,000 | $ 232,956 | $ 85,000 |
| Indianapolis, IN | 68 | $ 10,743,000 | $ 157,985 | $ 89,000 |
| Dallas-Plano-Irving, TX | 65 | $ 15,299,000 | $ 235,369 | $ 130,000 |
| Bethesda-Frederick-Gaithersburg, MD | 60 | $ 17,680,000 | $ 294,666 | $ 96,000 |
| Miami-Miami Beach-Kendall, FL | 59 | $ 17,759,000 | $ 301,000 | $ 132,000 |
| Tucson, AZ | 58 | $ 9,411,000 | $ 162,258 | $ 78,000 |
| St. Louis, MO-IL | 56 | $ 9,731,000 | $ 173,767 | $ 128,000 |
| Camden, NJ | 54 | $ 10,522,000 | $ 194,851 | $ 91,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 46 | $ 8,075,000 | $ 175,543 | $ 87,000 |
| Honolulu, HI | 45 | $ 12,924,000 | $ 287,200 | $ 138,000 |
| Warren-Farmington Hills-Troy, MI | 42 | $ 9,035,000 | $ 215,119 | $ 100,000 |
| Boston-Quincy, MA | 41 | $ 14,707,000 | $ 358,707 | $ 138,000 |
| Jacksonville, FL | 40 | $ 7,321,000 | $ 183,025 | $ 92,000 |
| Albuquerque, NM | 39 | $ 6,169,000 | $ 158,179 | $ 81,000 |
| Cleveland-Elyria-Mentor, OH | 39 | $ 8,537,000 | $ 218,897 | $ 119,000 |
| Sarasota-Bradenton-Venice, FL | 39 | $ 8,637,000 | $ 221,461 | $ 117,000 |
| Cambridge-Newton-Framingham, MA | 38 | $ 13,747,000 | $ 361,763 | $ 162,000 |
| Richmond, VA | 38 | $ 7,480,000 | $ 196,842 | $ 105,000 |
| Bridgeport-Stamford-Norwalk, CT | 35 | $ 15,154,000 | $ 432,971 | $ 265,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 34 | $ 14,530,000 | $ 427,352 | $ 121,000 |
| Santa Rosa-Petaluma, CA | 33 | $ 10,507,000 | $ 318,393 | $ 153,000 |
| Cape Coral-Fort Myers, FL | 32 | $ 7,823,000 | $ 244,468 | $ 134,000 |
| Charlotte-Gastonia-Concord, NC-SC | 31 | $ 5,597,000 | $ 180,548 | $ 74,000 |
| Nashville-Davidson--Murfreesboro, TN | 31 | $ 4,749,000 | $ 153,193 | $ 117,000 |
| New Orleans-Metairie-Kenner, LA | 31 | $ 6,973,000 | $ 224,935 | $ 118,000 |
| Anchorage, AK | 29 | $ 5,773,000 | $ 199,068 | $ 81,000 |
| Columbus, OH | 29 | $ 5,795,000 | $ 199,827 | $ 105,000 |
| Raleigh-Cary, NC | 29 | $ 5,777,000 | $ 199,206 | $ 91,000 |
| Naples-Marco Island, FL | 28 | $ 11,873,000 | $ 424,035 | $ 203,000 |
| Fort Worth-Arlington, TX | 27 | $ 4,864,000 | $ 180,148 | $ 108,000 |
| Stockton, CA | 27 | $ 6,158,000 | $ 228,074 | $ 91,000 |
| Salt Lake City, UT | 26 | $ 5,825,000 | $ 224,038 | $ 196,000 |
| San Antonio, TX | 26 | $ 5,470,000 | $ 210,384 | $ 109,000 |
| Tulsa, OK | 26 | $ 3,436,000 | $ 132,153 | $ 102,000 |
| Vallejo-Fairfield, CA | 25 | $ 5,989,000 | $ 239,560 | $ 77,000 |
| Fresno, CA | 24 | $ 3,702,000 | $ 154,250 | $ 111,000 |
| Milwaukee-Waukesha-West Allis, WI | 24 | $ 5,721,000 | $ 238,375 | $ 126,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 24 | $ 8,944,000 | $ 372,666 | $ 149,000 |
| Bakersfield, CA | 23 | $ 3,689,000 | $ 160,391 | $ 74,000 |
| Boulder, CO | 23 | $ 6,259,000 | $ 272,130 | $ 145,000 |
| Cincinnati-Middletown, OH-KY-IN | 23 | $ 5,198,000 | $ 226,000 | $ 88,000 |
| New Haven-Milford, CT | 23 | $ 5,333,000 | $ 231,869 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 23 | $ 4,636,000 | $ 201,565 | $ 90,000 |
| Providence-New Bedford-Fall River, RI-MA | 23 | $ 5,760,000 | $ 250,434 | $ 198,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 22 | $ 3,159,000 | $ 143,590 | $ 64,000 |
| Hartford-West Hartford-East Hartford, CT | 21 | $ 4,793,000 | $ 228,238 | $ 120,000 |
| Oklahoma City, OK | 21 | $ 3,070,000 | $ 146,190 | $ 97,000 |
| Portland-South Portland-Biddeford, ME | 21 | $ 6,108,000 | $ 290,857 | $ 147,000 |
| Lake County-Kenosha County, IL-WI | 20 | $ 5,490,000 | $ 274,500 | $ 125,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 19 | $ 3,253,000 | $ 171,210 | $ 148,000 |
| Pittsburgh, PA | 19 | $ 3,289,000 | $ 173,105 | $ 107,000 |
| Asheville, NC | 18 | $ 3,895,000 | $ 216,388 | $ 97,000 |
| Birmingham-Hoover, AL | 18 | $ 3,009,000 | $ 167,166 | $ 120,000 |
| Boise City-Nampa, ID | 18 | $ 2,946,000 | $ 163,666 | $ 70,000 |
| Charleston-North Charleston, SC | 18 | $ 4,159,000 | $ 231,055 | $ 106,000 |
| Kansas City, MO-KS | 18 | $ 3,048,000 | $ 169,333 | $ 94,000 |
| Santa Fe, NM | 18 | $ 5,845,000 | $ 324,722 | $ 136,000 |
| Bend, OR | 17 | $ 4,238,000 | $ 249,294 | $ 210,000 |
| Modesto, CA | 17 | $ 3,836,000 | $ 225,647 | $ 88,000 |
| Pensacola-Ferry Pass-Brent, FL | 17 | $ 2,866,000 | $ 168,588 | $ 102,000 |
| Port St. Lucie-Fort Pierce, FL | 17 | $ 3,125,000 | $ 183,823 | $ 86,000 |
| Knoxville, TN | 16 | $ 2,832,000 | $ 177,000 | $ 91,000 |
| Salinas, CA | 16 | $ 7,479,000 | $ 467,437 | $ 275,000 |
| San Luis Obispo-Paso Robles, CA | 16 | $ 5,178,000 | $ 323,625 | $ 150,000 |
| Akron, OH | 15 | $ 2,701,000 | $ 180,066 | $ 94,000 |
| Bremerton-Silverdale, WA | 15 | $ 3,071,000 | $ 204,733 | $ 70,000 |
| Colorado Springs, CO | 15 | $ 3,140,000 | $ 209,333 | $ 75,000 |
| Essex County, MA | 15 | $ 5,471,000 | $ 364,733 | $ 217,000 |
| Rockingham County-Strafford County, NH | 15 | $ 2,880,000 | $ 192,000 | $ 132,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 15 | $ 6,347,000 | $ 423,133 | $ 123,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 4,791,000 | $ 319,400 | $ 106,000 |
| Wilmington, DE-MD-NJ | 15 | $ 2,740,000 | $ 182,666 | $ 76,000 |
| Worcester, MA | 15 | $ 3,582,000 | $ 238,800 | $ 91,000 |
| Prescott, AZ | 14 | $ 2,905,000 | $ 207,500 | $ 72,000 |
| Springfield, MA | 14 | $ 3,263,000 | $ 233,071 | $ 114,000 |
| Visalia-Porterville, CA | 14 | $ 2,384,000 | $ 170,285 | $ 133,000 |
| Atlantic City, NJ | 13 | $ 2,941,000 | $ 226,230 | $ 89,000 |
| Dayton, OH | 13 | $ 2,106,000 | $ 162,000 | $ 94,000 |
| Louisville, KY-IN | 13 | $ 2,984,000 | $ 229,538 | $ 142,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 13 | $ 2,995,000 | $ 230,384 | $ 170,000 |
| Tacoma, WA | 13 | $ 2,328,000 | $ 179,076 | $ 91,000 |
| Trenton-Ewing, NJ | 13 | $ 3,491,000 | $ 268,538 | $ 128,000 |
| Eugene-Springfield, OR | 12 | $ 1,534,000 | $ 127,833 | $ 53,000 |
| Harrisburg-Carlisle, PA | 12 | $ 1,546,000 | $ 128,833 | $ 99,000 |
| Manchester-Nashua, NH | 12 | $ 2,844,000 | $ 237,000 | $ 102,000 |
| Memphis, TN-MS-AR | 12 | $ 1,974,000 | $ 164,500 | $ 86,000 |
| Rochester, NY | 12 | $ 1,586,000 | $ 132,166 | $ 87,000 |
| St. George, UT | 12 | $ 2,153,000 | $ 179,416 | $ 101,000 |
| Wilmington, NC | 12 | $ 2,444,000 | $ 203,666 | $ 99,000 |
| Ann Arbor, MI | 11 | $ 1,849,000 | $ 168,090 | $ 89,000 |
| Greensboro-High Point, NC | 11 | $ 2,521,000 | $ 229,181 | $ 118,000 |
| Greenville, SC | 11 | $ 2,655,000 | $ 241,363 | $ 63,000 |
| Ocean City, NJ | 11 | $ 3,241,000 | $ 294,636 | $ 185,000 |
| Savannah, GA | 11 | $ 1,817,000 | $ 165,181 | $ 95,000 |
| Albany-Schenectady-Troy, NY | 10 | $ 1,424,000 | $ 142,400 | $ 80,000 |
| Burlington-South Burlington, VT | 10 | $ 1,800,000 | $ 180,000 | $ 77,000 |
| Detroit-Livonia-Dearborn, MI | 10 | $ 1,649,000 | $ 164,900 | $ 99,000 |
| Durham, NC | 10 | $ 2,437,000 | $ 243,700 | $ 96,000 |
| Fort Collins-Loveland, CO | 10 | $ 1,923,000 | $ 192,300 | $ 69,000 |
| Medford, OR | 10 | $ 2,498,000 | $ 249,800 | $ 72,000 |
| York-Hanover, PA | 10 | $ 1,927,000 | $ 192,700 | $ 128,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,508,000 | $ 167,555 | $ 171,000 |
| Charlottesville, VA | 9 | $ 2,466,000 | $ 274,000 | $ 95,000 |
| Columbia, SC | 9 | $ 1,593,000 | $ 177,000 | $ 160,000 |
| Little Rock-North Little Rock, AR | 9 | $ 1,299,000 | $ 144,333 | $ 70,000 |
| Napa, CA | 9 | $ 2,466,000 | $ 274,000 | $ 125,000 |
| Salem, OR | 9 | $ 1,837,000 | $ 204,111 | $ 98,000 |
| Spokane, WA | 9 | $ 1,474,000 | $ 163,777 | $ 98,000 |
| Barnstable Town, MA | 8 | $ 1,916,000 | $ 239,500 | $ 131,000 |
| Bellingham, WA | 8 | $ 2,038,000 | $ 254,750 | $ 213,000 |
| Chattanooga, TN-GA | 8 | $ 1,729,000 | $ 216,125 | $ 107,000 |
| Des Moines, IA | 8 | $ 1,235,000 | $ 154,375 | $ 114,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 8 | $ 1,610,000 | $ 201,250 | $ 53,000 |
| Grand Rapids-Wyoming, MI | 8 | $ 1,445,000 | $ 180,625 | $ 99,000 |
| Huntsville, AL | 8 | $ 1,235,000 | $ 154,375 | $ 92,000 |
| Lakeland, FL | 8 | $ 1,003,000 | $ 125,375 | $ 90,000 |
| Lancaster, PA | 8 | $ 1,026,000 | $ 128,250 | $ 85,000 |
| Ocala, FL | 8 | $ 864,000 | $ 108,000 | $ 65,000 |
| Panama City-Lynn Haven, FL | 8 | $ 1,482,000 | $ 185,250 | $ 61,000 |
| Redding, CA | 8 | $ 1,802,000 | $ 225,250 | $ 67,000 |
| Toledo, OH | 8 | $ 1,817,000 | $ 227,125 | $ 89,000 |
| Wichita, KS | 8 | $ 3,067,000 | $ 383,375 | $ 231,000 |
| Athens-Clarke County, GA | 7 | $ 763,000 | $ 109,000 | $ 78,000 |
| Chico, CA | 7 | $ 1,753,000 | $ 250,428 | $ 117,000 |
| Grand Junction, CO | 7 | $ 1,250,000 | $ 178,571 | $ 113,000 |
| Lexington-Fayette, KY | 7 | $ 959,000 | $ 137,000 | $ 88,000 |
| Madison, WI | 7 | $ 1,138,000 | $ 162,571 | $ 89,000 |
| Merced, CA | 7 | $ 1,523,000 | $ 217,571 | $ 122,000 |
| Ogden-Clearfield, UT | 7 | $ 1,658,000 | $ 236,857 | $ 115,000 |
| Punta Gorda, FL | 7 | $ 1,509,000 | $ 215,571 | $ 106,000 |
| Tallahassee, FL | 7 | $ 1,266,000 | $ 180,857 | $ 85,000 |
| Baton Rouge, LA | 6 | $ 612,000 | $ 102,000 | $ 53,000 |
| Billings, MT | 6 | $ 749,000 | $ 124,833 | $ 66,000 |
| Bloomington, IN | 6 | $ 624,000 | $ 104,000 | $ 142,000 |
| Brunswick, GA | 6 | $ 1,844,000 | $ 307,333 | $ 192,000 |
| Montgomery, AL | 6 | $ 982,000 | $ 163,666 | $ 88,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 2,102,000 | $ 350,333 | $ 89,000 |
| Olympia, WA | 6 | $ 1,342,000 | $ 223,666 | $ 89,000 |
| Omaha-Council Bluffs, NE-IA | 6 | $ 833,000 | $ 138,833 | $ 74,000 |
| Pueblo, CO | 6 | $ 713,000 | $ 118,833 | $ 128,000 |
| Roanoke, VA | 6 | $ 1,548,000 | $ 258,000 | $ 183,000 |
| Carson City, NV | 5 | $ 1,007,000 | $ 201,400 | $ 86,000 |
| Charleston, WV | 5 | $ 553,000 | $ 110,600 | $ 87,000 |
| Coeur D'Alene, ID | 5 | $ 710,000 | $ 142,000 | $ 110,000 |
| Farmington, NM | 5 | $ 1,139,000 | $ 227,800 | $ 114,000 |
| Fayetteville, NC | 5 | $ 578,000 | $ 115,600 | $ 117,000 |
| Gainesville, FL | 5 | $ 479,000 | $ 95,800 | $ 92,000 |
| Gulfport-Biloxi, MS | 5 | $ 448,000 | $ 89,600 | $ 36,000 |
| Las Cruces, NM | 5 | $ 701,000 | $ 140,200 | $ 63,000 |
| Mobile, AL | 5 | $ 278,000 | $ 55,600 | $ 65,000 |
| Reading, PA | 5 | $ 740,000 | $ 148,000 | $ 79,000 |
| Vero Beach, FL | 5 | $ 742,000 | $ 148,400 | $ 76,000 |
| Winston-Salem, NC | 5 | $ 835,000 | $ 167,000 | $ 60,000 |
| Amarillo, TX | 4 | $ 489,000 | $ 122,250 | $ 112,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 542,000 | $ 135,500 | $ 109,000 |
| Columbus, GA-AL | 4 | $ 676,000 | $ 169,000 | $ 60,000 |
| Corpus Christi, TX | 4 | $ 775,000 | $ 193,750 | $ 124,000 |
| El Paso, TX | 4 | $ 371,000 | $ 92,750 | $ 79,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 644,000 | $ 161,000 | $ 108,000 |
| Gainesville, GA | 4 | $ 597,000 | $ 149,250 | $ 102,000 |
| Gary, IN | 4 | $ 630,000 | $ 157,500 | $ 53,000 |
| Idaho Falls, ID | 4 | $ 629,000 | $ 157,250 | $ 76,000 |
| Jacksonville, NC | 4 | $ 497,000 | $ 124,250 | $ 85,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 661,000 | $ 165,250 | $ 91,000 |
| Lansing-East Lansing, MI | 4 | $ 440,000 | $ 110,000 | $ 84,000 |
| South Bend-Mishawaka, IN-MI | 4 | $ 821,000 | $ 205,250 | $ 110,000 |
| Tyler, TX | 4 | $ 773,000 | $ 193,250 | $ 149,000 |
| Anderson, SC | 3 | $ 215,000 | $ 71,666 | $ 91,000 |
| Auburn-Opelika, AL | 3 | $ 608,000 | $ 202,666 | $ 184,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 792,000 | $ 264,000 | $ 73,000 |
| Bowling Green, KY | 3 | $ 476,000 | $ 158,666 | $ 80,000 |
| Buffalo-Niagara Falls, NY | 3 | $ 896,000 | $ 298,666 | $ 132,000 |
| Columbia, MO | 3 | $ 350,000 | $ 116,666 | $ 148,000 |
| Davenport-Moline-Rock Island, IA-IL | 3 | $ 429,000 | $ 143,000 | $ 74,000 |
| Dover, DE | 3 | $ 462,000 | $ 154,000 | $ 57,000 |
| Duluth, MN-WI | 3 | $ 580,000 | $ 193,333 | $ 68,000 |
| Evansville, IN-KY | 3 | $ 871,000 | $ 290,333 | $ 126,000 |
| Flagstaff, AZ | 3 | $ 678,000 | $ 226,000 | $ 112,000 |
| Greeley, CO | 3 | $ 802,000 | $ 267,333 | $ 107,000 |
| Johnson City, TN | 3 | $ 699,000 | $ 233,000 | $ 55,000 |
| Kingston, NY | 3 | $ 767,000 | $ 255,666 | $ 181,000 |
| Lafayette, LA | 3 | $ 283,000 | $ 94,333 | $ 209,000 |
| Lincoln, NE | 3 | $ 301,000 | $ 100,333 | $ 116,000 |
| Longview, TX | 3 | $ 399,000 | $ 133,000 | $ 53,000 |
| Midland, TX | 3 | $ 565,000 | $ 188,333 | $ 133,000 |
| Oshkosh-Neenah, WI | 3 | $ 561,000 | $ 187,000 | $ 143,000 |
| Rochester, MN | 3 | $ 463,000 | $ 154,333 | $ 102,000 |
| Scranton--Wilkes-Barre, PA | 3 | $ 289,000 | $ 96,333 | $ 49,000 |
| St. Cloud, MN | 3 | $ 418,000 | $ 139,333 | $ 76,000 |
| Topeka, KS | 3 | $ 590,000 | $ 196,666 | $ 97,000 |
| Utica-Rome, NY | 3 | $ 501,000 | $ 167,000 | $ 85,000 |
| Albany, GA | 2 | $ 181,000 | $ 90,500 | $ 50,000 |
| Anderson, IN | 2 | $ 255,000 | $ 127,500 | $ 116,000 |
| Bangor, ME | 2 | $ 222,000 | $ 111,000 | $ 46,000 |
| Beaumont-Port Arthur, TX | 2 | $ 234,000 | $ 117,000 | $ 84,000 |
| Binghamton, NY | 2 | $ 104,000 | $ 52,000 | $ 56,000 |
| Bismarck, ND | 2 | $ 382,000 | $ 191,000 | $ 124,000 |
| Bloomington-Normal, IL | 2 | $ 471,000 | $ 235,500 | $ 90,000 |
| Canton-Massillon, OH | 2 | $ 215,000 | $ 107,500 | $ 49,000 |
| Cedar Rapids, IA | 2 | $ 251,000 | $ 125,500 | $ 35,000 |
| College Station-Bryan, TX | 2 | $ 289,000 | $ 144,500 | $ 82,000 |
| Flint, MI | 2 | $ 337,000 | $ 168,500 | $ 73,000 |
| Glens Falls, NY | 2 | $ 560,000 | $ 280,000 | $ 114,000 |
| Green Bay, WI | 2 | $ 542,000 | $ 271,000 | $ 105,000 |
| Hanford-Corcoran, CA | 2 | $ 380,000 | $ 190,000 | $ 53,000 |
| Holland-Grand Haven, MI | 2 | $ 558,000 | $ 279,000 | $ 178,000 |
| Ithaca, NY | 2 | $ 236,000 | $ 118,000 | $ 286,000 |
| Jackson, TN | 2 | $ 321,000 | $ 160,500 | $ 145,000 |
| Jefferson City, MO | 2 | $ 269,000 | $ 134,500 | $ 73,000 |
| Lake Charles, LA | 2 | $ 206,000 | $ 103,000 | $ 71,000 |
| Lebanon, PA | 2 | $ 144,000 | $ 72,000 | $ 46,000 |
| Lewiston-Auburn, ME | 2 | $ 441,000 | $ 220,500 | $ 165,000 |
| Longview, WA | 2 | $ 333,000 | $ 166,500 | $ 70,000 |
| Lubbock, TX | 2 | $ 230,000 | $ 115,000 | $ 97,000 |
| Madera, CA | 2 | $ 378,000 | $ 189,000 | $ 155,000 |
| Missoula, MT | 2 | $ 153,000 | $ 76,500 | $ 120,000 |
| Morgantown, WV | 2 | $ 439,000 | $ 219,500 | $ 155,000 |
| Muncie, IN | 2 | $ 167,000 | $ 83,500 | $ 87,000 |
| Niles-Benton Harbor, MI | 2 | $ 1,019,000 | $ 509,500 | $ 185,000 |
| Pittsfield, MA | 2 | $ 562,000 | $ 281,000 | $ 226,000 |
| Rockford, IL | 2 | $ 242,000 | $ 121,000 | $ 70,000 |
| Salisbury, MD | 2 | $ 353,000 | $ 176,500 | $ 57,000 |
| Shreveport-Bossier City, LA | 2 | $ 426,000 | $ 213,000 | $ 90,000 |
| Sioux Falls, SD | 2 | $ 297,000 | $ 148,500 | $ 112,000 |
| Spartanburg, SC | 2 | $ 363,000 | $ 181,500 | $ 23,000 |
| State College, PA | 2 | $ 335,000 | $ 167,500 | $ 88,000 |
| Syracuse, NY | 2 | $ 360,000 | $ 180,000 | $ 40,000 |
| Warner Robins, GA | 2 | $ 311,000 | $ 155,500 | $ 88,000 |
| Wichita Falls, TX | 2 | $ 377,000 | $ 188,500 | $ 76,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 153,000 | $ 76,500 | $ 35,000 |
| Yuba City, CA | 2 | $ 522,000 | $ 261,000 | $ 130,000 |
| Battle Creek, MI | 1 | $ 240,000 | $ 240,000 | $ 96,000 |
| Brownsville-Harlingen, TX | 1 | $ 223,000 | $ 223,000 | $ 85,000 |
| Burlington, NC | 1 | $ 220,000 | $ 220,000 | $ 91,000 |
| Champaign-Urbana, IL | 1 | $ 130,000 | $ 130,000 | $ 33,000 |
| Columbus, IN | 1 | $ 240,000 | $ 240,000 | $ 84,000 |
| El Centro, CA | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Elkhart-Goshen, IN | 1 | $ 160,000 | $ 160,000 | $ 140,000 |
| Fairbanks, AK | 1 | $ 166,000 | $ 166,000 | $ 122,000 |
| Florence, SC | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| Florence-Muscle Shoals, AL | 1 | $ 280,000 | $ 280,000 | $ 150,000 |
| Fort Wayne, IN | 1 | $ 102,000 | $ 102,000 | $ 32,000 |
| Goldsboro, NC | 1 | $ 142,000 | $ 142,000 | $ 90,000 |
| Grand Forks, ND-MN | 1 | $ 58,000 | $ 58,000 | $ 111,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 407,000 | $ 407,000 | $ 0 |
| Harrisonburg, VA | 1 | $ 130,000 | $ 130,000 | $ 93,000 |
| Hattiesburg, MS | 1 | $ 139,000 | $ 139,000 | $ 91,000 |
| Hinesville-Fort Stewart, GA | 1 | $ 124,000 | $ 124,000 | $ 52,000 |
| Hot Springs, AR | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 96,000 | $ 96,000 | $ 99,000 |
| Iowa City, IA | 1 | $ 120,000 | $ 120,000 | $ 161,000 |
| Jackson, MI | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Janesville, WI | 1 | $ 119,000 | $ 119,000 | $ 50,000 |
| Kalamazoo-Portage, MI | 1 | $ 376,000 | $ 376,000 | $ 111,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Kokomo, IN | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| La Crosse, WI-MN | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Lafayette, IN | 1 | $ 130,000 | $ 130,000 | $ 25,000 |
| Laredo, TX | 1 | $ 33,000 | $ 33,000 | $ 29,000 |
| Lawton, OK | 1 | $ 81,000 | $ 81,000 | $ 78,000 |
| Lewiston, ID-WA | 1 | $ 43,000 | $ 43,000 | $ 54,000 |
| Peoria, IL | 1 | $ 177,000 | $ 177,000 | $ 72,000 |
| Provo-Orem, UT | 1 | $ 149,000 | $ 149,000 | $ 65,000 |
| Rapid City, SD | 1 | $ 160,000 | $ 160,000 | $ 50,000 |
| Rocky Mount, NC | 1 | $ 98,000 | $ 98,000 | $ 19,000 |
| Sheboygan, WI | 1 | $ 150,000 | $ 150,000 | $ 281,000 |
| Springfield, IL | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| St. Joseph, MO-KS | 1 | $ 247,000 | $ 247,000 | $ 43,000 |
| Tuscaloosa, AL | 1 | $ 196,000 | $ 196,000 | $ 71,000 |
| Valdosta, GA | 1 | $ 201,000 | $ 201,000 | $ 51,000 |
| Waco, TX | 1 | $ 212,000 | $ 212,000 | $ 160,000 |
| Wausau, WI | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Weirton-Steubenville, WV-OH | 1 | $ 130,000 | $ 130,000 | $ 59,000 |
| Yuma, AZ | 1 | $ 110,000 | $ 110,000 | $ 110,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank in 2004
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 | 3,976 | $918,940,000 | $194,509 | $1,940,000 | $105,843 | $2,325,000 |
| Home Purchase | 3,813 | $972,971,000 | $226,980 | $2,910,000 | $127,137 | $2,115,000 |
| Home Improvement | 63 | $13,524,000 | $200,958 | $500,000 | $133,541 | $507,000 |
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 | 4,881 | $1,133,437,000 | $209,019 | $2,910,000 | $118,843 | $2,115,000 |
| Not Provided | 2,012 | $516,931,000 | $214,460 | $2,520,000 | $128,640 | $2,325,000 |
| Asian | 340 | $91,340,000 | $225,500 | $1,500,000 | $127,555 | $1,826,000 |
| Hispanic | 228 | $50,583,000 | $215,103 | $1,000,000 | $101,344 | $738,000 |
| Not applicable | 198 | $72,328,000 | $356,000 | $2,800,000 | $1,617 | $121,000 |
| Black or African American | 151 | $30,707,000 | $196,689 | $1,617,000 | $101,275 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 22 | $5,485,000 | $229,125 | $600,000 | $82,750 | $200,000 |
| American Indian or Alaskan Native | 20 | $4,624,000 | $294,000 | $1,363,000 | $223,500 | $1,330,000 |
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) | 7,852 | $1,905,435,000 | $211,705 | $2,910,000 | $116,862 | $2,325,000 |
| 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 | 4,915 | $1,063,868,000 | $195,313 | $2,910,000 | $117,588 | $1,871,000 |
| Application Denied By Financial Institution | 1,498 | $460,836,000 | $251,632 | $2,520,000 | $129,530 | $2,325,000 |
| Application Approved But Not Accepted | 599 | $128,789,000 | $197,653 | $1,363,000 | $120,510 | $2,115,000 |
| Application Withdrawn By Applicant | 564 | $163,565,000 | $236,295 | $1,607,000 | $111,431 | $1,181,000 |
| Loan Purchased By The Institution | 191 | $70,827,000 | $357,794 | $2,800,000 | $0 | $0 |
| File Closed For Incompleteness | 85 | $17,550,000 | $188,870 | $635,000 | $121,290 | $750,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 443 | $158,590,000 | $269,619 | $1,750,000 | $150,000 | $1,949,000 |
| Collateral | 353 | $78,286,000 | $227,523 | $2,520,000 | $144,380 | $2,325,000 |
| Debt-To-Income Ratio | 333 | $121,340,000 | $282,243 | $1,940,000 | $98,756 | $1,210,000 |
| Credit History | 198 | $55,598,000 | $219,108 | $1,250,000 | $105,918 | $1,540,000 |
| Other | 131 | $36,239,000 | $218,764 | $1,400,000 | $109,500 | $598,000 |
| Employment History | 18 | $5,076,000 | $279,500 | $750,000 | $127,750 | $360,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 16 | $3,980,000 | $209,600 | $680,000 | $78,800 | $181,000 |
| Unverifiable Information | 6 | $1,727,000 | $290,200 | $556,000 | $179,600 | $622,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Charles Schwab Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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