Charles Schwab Bank Mortgage Lending & HMDA Data, 2005
In 2005, Charles Schwab Bank of San Francisco, CA reported 7,986 mortgage applications totaling $2.5 billion, up 2% from 2004. The average application was for $308,388, and applicants reported an average income of $137,383. 61% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (431), Oakland-Fremont-Hayward, CA (242) and Los Angeles-Long Beach-Glendale, CA (215) (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 | 7,986 |
| Total Mortgage Loan Application Amount | $2,462,792,000 |
| Average Mortgage Loan Application Amount | $308,388 |
| Highest Mortgage Loan Application Amount | $6,119,000 |
| Average Applicant Income | $137,383 |
| Highest Applicant Income | $6,000,000 |
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Act (HMDA) records Charles Schwab Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 431 | $ 106,723,000 | $ 247,617 | $ 106,000 |
| Oakland-Fremont-Hayward, CA | 242 | $ 111,289,000 | $ 459,871 | $ 154,000 |
| Los Angeles-Long Beach-Glendale, CA | 215 | $ 91,145,000 | $ 423,930 | $ 143,000 |
| San Francisco-San Mateo-Redwood City, CA | 204 | $ 119,379,000 | $ 585,191 | $ 192,000 |
| Chicago-Naperville-Joliet, IL | 191 | $ 59,617,000 | $ 312,130 | $ 138,000 |
| Denver-Aurora, CO | 185 | $ 47,681,000 | $ 257,735 | $ 114,000 |
| Atlanta-Sandy Springs-Marietta, GA | 180 | $ 49,693,000 | $ 276,072 | $ 149,000 |
| New York-Wayne-White Plains, NY-NJ | 178 | $ 66,969,000 | $ 376,230 | $ 146,000 |
| San Diego-Carlsbad-San Marcos, CA | 161 | $ 77,917,000 | $ 483,956 | $ 206,000 |
| Riverside-San Bernardino-Ontario, CA | 151 | $ 44,270,000 | $ 293,178 | $ 130,000 |
| Seattle-Bellevue-Everett, WA | 141 | $ 53,665,000 | $ 380,602 | $ 155,000 |
| Santa Ana-Anaheim-Irvine, CA | 136 | $ 78,148,000 | $ 574,617 | $ 211,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 129 | $ 61,382,000 | $ 475,829 | $ 176,000 |
| Las Vegas-Paradise, NV | 127 | $ 38,807,000 | $ 305,566 | $ 119,000 |
| Reno-Sparks, NV | 102 | $ 23,615,000 | $ 231,519 | $ 85,000 |
| Orlando, FL | 98 | $ 22,682,000 | $ 231,448 | $ 101,000 |
| Houston-Baytown-Sugar Land, TX | 95 | $ 25,147,000 | $ 264,705 | $ 149,000 |
| Tampa-St. Petersburg-Clearwater, FL | 95 | $ 20,727,000 | $ 218,178 | $ 125,000 |
| Baltimore-Towson, MD | 92 | $ 27,085,000 | $ 294,402 | $ 122,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 91 | $ 26,315,000 | $ 289,175 | $ 121,000 |
| Edison, NJ | 88 | $ 28,127,000 | $ 319,625 | $ 153,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 87 | $ 27,141,000 | $ 311,965 | $ 129,000 |
| Philadelphia, PA | 86 | $ 26,353,000 | $ 306,430 | $ 175,000 |
| Nassau-Suffolk, NY | 81 | $ 31,906,000 | $ 393,901 | $ 279,000 |
| Austin-Round Rock, TX | 78 | $ 17,383,000 | $ 222,858 | $ 142,000 |
| Indianapolis, IN | 77 | $ 12,860,000 | $ 167,012 | $ 90,000 |
| Portland-Vancouver-Beaverton, OR-WA | 73 | $ 20,185,000 | $ 276,506 | $ 128,000 |
| Jacksonville, FL | 72 | $ 20,504,000 | $ 284,777 | $ 140,000 |
| Dallas-Plano-Irving, TX | 63 | $ 11,555,000 | $ 183,412 | $ 175,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 63 | $ 15,687,000 | $ 249,000 | $ 124,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 62 | $ 17,568,000 | $ 283,354 | $ 131,000 |
| Newark-Union, NJ-PA | 62 | $ 25,613,000 | $ 413,112 | $ 178,000 |
| Miami-Miami Beach-Kendall, FL | 57 | $ 16,111,000 | $ 282,649 | $ 173,000 |
| Bridgeport-Stamford-Norwalk, CT | 54 | $ 35,204,000 | $ 651,925 | $ 233,000 |
| Boston-Quincy, MA | 53 | $ 22,051,000 | $ 416,056 | $ 153,000 |
| Tucson, AZ | 53 | $ 12,421,000 | $ 234,358 | $ 155,000 |
| Bethesda-Frederick-Gaithersburg, MD | 51 | $ 19,802,000 | $ 388,274 | $ 148,000 |
| Cambridge-Newton-Framingham, MA | 49 | $ 20,114,000 | $ 410,489 | $ 216,000 |
| Albuquerque, NM | 48 | $ 8,184,000 | $ 170,500 | $ 98,000 |
| Camden, NJ | 48 | $ 8,534,000 | $ 177,791 | $ 86,000 |
| St. Louis, MO-IL | 45 | $ 10,336,000 | $ 229,688 | $ 135,000 |
| Sarasota-Bradenton-Venice, FL | 44 | $ 12,647,000 | $ 287,431 | $ 155,000 |
| Honolulu, HI | 43 | $ 20,344,000 | $ 473,116 | $ 214,000 |
| Cape Coral-Fort Myers, FL | 40 | $ 12,116,000 | $ 302,900 | $ 137,000 |
| Raleigh-Cary, NC | 36 | $ 8,723,000 | $ 242,305 | $ 89,000 |
| Warren-Farmington Hills-Troy, MI | 36 | $ 10,463,000 | $ 290,638 | $ 143,000 |
| Charleston-North Charleston, SC | 34 | $ 11,655,000 | $ 342,794 | $ 142,000 |
| Charlotte-Gastonia-Concord, NC-SC | 34 | $ 9,817,000 | $ 288,735 | $ 118,000 |
| Richmond, VA | 34 | $ 8,865,000 | $ 260,735 | $ 132,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 34 | $ 16,688,000 | $ 490,823 | $ 143,000 |
| Fort Worth-Arlington, TX | 32 | $ 7,827,000 | $ 244,593 | $ 135,000 |
| Modesto, CA | 32 | $ 8,169,000 | $ 255,281 | $ 142,000 |
| Naples-Marco Island, FL | 32 | $ 10,276,000 | $ 321,125 | $ 288,000 |
| Nashville-Davidson--Murfreesboro, TN | 32 | $ 8,780,000 | $ 274,375 | $ 133,000 |
| Cincinnati-Middletown, OH-KY-IN | 31 | $ 6,351,000 | $ 204,870 | $ 92,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 31 | $ 7,261,000 | $ 234,225 | $ 113,000 |
| Colorado Springs, CO | 30 | $ 8,121,000 | $ 270,700 | $ 131,000 |
| Salt Lake City, UT | 30 | $ 8,638,000 | $ 287,933 | $ 154,000 |
| Santa Rosa-Petaluma, CA | 30 | $ 11,083,000 | $ 369,433 | $ 155,000 |
| Pittsburgh, PA | 29 | $ 8,628,000 | $ 297,517 | $ 146,000 |
| Anchorage, AK | 27 | $ 5,970,000 | $ 221,111 | $ 105,000 |
| Boulder, CO | 27 | $ 9,192,000 | $ 340,444 | $ 158,000 |
| Santa Cruz-Watsonville, CA | 27 | $ 10,130,000 | $ 375,185 | $ 177,000 |
| Bend, OR | 25 | $ 7,701,000 | $ 308,040 | $ 166,000 |
| Cleveland-Elyria-Mentor, OH | 25 | $ 4,744,000 | $ 189,760 | $ 106,000 |
| New Orleans-Metairie-Kenner, LA | 25 | $ 6,961,000 | $ 278,440 | $ 145,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 25 | $ 11,636,000 | $ 465,440 | $ 183,000 |
| Boise City-Nampa, ID | 24 | $ 4,884,000 | $ 203,500 | $ 111,000 |
| Stockton, CA | 24 | $ 8,449,000 | $ 352,041 | $ 137,000 |
| Bakersfield, CA | 23 | $ 5,506,000 | $ 239,391 | $ 79,000 |
| Milwaukee-Waukesha-West Allis, WI | 23 | $ 5,452,000 | $ 237,043 | $ 144,000 |
| Hartford-West Hartford-East Hartford, CT | 22 | $ 6,001,000 | $ 272,772 | $ 155,000 |
| San Antonio, TX | 22 | $ 3,854,000 | $ 175,181 | $ 123,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 21 | $ 4,103,000 | $ 195,380 | $ 94,000 |
| Kansas City, MO-KS | 21 | $ 2,840,000 | $ 135,238 | $ 78,000 |
| Memphis, TN-MS-AR | 21 | $ 4,776,000 | $ 227,428 | $ 126,000 |
| Prescott, AZ | 21 | $ 5,662,000 | $ 269,619 | $ 86,000 |
| Spokane, WA | 21 | $ 3,778,000 | $ 179,904 | $ 77,000 |
| Providence-New Bedford-Fall River, RI-MA | 20 | $ 6,795,000 | $ 339,750 | $ 103,000 |
| San Luis Obispo-Paso Robles, CA | 20 | $ 7,728,000 | $ 386,400 | $ 155,000 |
| Bremerton-Silverdale, WA | 19 | $ 6,652,000 | $ 350,105 | $ 147,000 |
| Tacoma, WA | 19 | $ 4,735,000 | $ 249,210 | $ 126,000 |
| Asheville, NC | 18 | $ 3,788,000 | $ 210,444 | $ 98,000 |
| Columbus, OH | 18 | $ 3,139,000 | $ 174,388 | $ 193,000 |
| Madison, WI | 18 | $ 4,528,000 | $ 251,555 | $ 138,000 |
| Palm Bay-Melbourne-Titusville, FL | 18 | $ 4,264,000 | $ 236,888 | $ 103,000 |
| Port St. Lucie-Fort Pierce, FL | 18 | $ 5,031,000 | $ 279,500 | $ 197,000 |
| Salinas, CA | 18 | $ 8,287,000 | $ 460,388 | $ 162,000 |
| Flagstaff, AZ | 17 | $ 5,763,000 | $ 339,000 | $ 203,000 |
| Fresno, CA | 17 | $ 4,173,000 | $ 245,470 | $ 112,000 |
| Medford, OR | 17 | $ 4,250,000 | $ 250,000 | $ 108,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 17 | $ 2,094,000 | $ 123,176 | $ 86,000 |
| Wilmington, NC | 17 | $ 6,088,000 | $ 358,117 | $ 148,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 16 | $ 4,554,000 | $ 284,625 | $ 136,000 |
| Akron, OH | 14 | $ 4,291,000 | $ 306,500 | $ 130,000 |
| Oklahoma City, OK | 14 | $ 2,051,000 | $ 146,500 | $ 99,000 |
| Trenton-Ewing, NJ | 14 | $ 4,171,000 | $ 297,928 | $ 131,000 |
| Vero Beach, FL | 14 | $ 4,076,000 | $ 291,142 | $ 195,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 13 | $ 1,825,000 | $ 140,384 | $ 75,000 |
| Ann Arbor, MI | 13 | $ 2,977,000 | $ 229,000 | $ 136,000 |
| Birmingham-Hoover, AL | 13 | $ 2,714,000 | $ 208,769 | $ 93,000 |
| Durham, NC | 13 | $ 2,508,000 | $ 192,923 | $ 110,000 |
| Essex County, MA | 13 | $ 3,626,000 | $ 278,923 | $ 114,000 |
| Fort Collins-Loveland, CO | 13 | $ 4,185,000 | $ 321,923 | $ 112,000 |
| Napa, CA | 13 | $ 6,933,000 | $ 533,307 | $ 136,000 |
| Portland-South Portland-Biddeford, ME | 13 | $ 4,282,000 | $ 329,384 | $ 195,000 |
| Santa Fe, NM | 13 | $ 2,879,000 | $ 221,461 | $ 94,000 |
| Eugene-Springfield, OR | 12 | $ 2,805,000 | $ 233,750 | $ 105,000 |
| Lake County-Kenosha County, IL-WI | 12 | $ 3,391,000 | $ 282,583 | $ 97,000 |
| Little Rock-North Little Rock, AR | 12 | $ 2,604,000 | $ 217,000 | $ 144,000 |
| New Haven-Milford, CT | 12 | $ 4,782,000 | $ 398,500 | $ 145,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 1,617,000 | $ 134,750 | $ 71,000 |
| Rochester, NY | 12 | $ 2,292,000 | $ 191,000 | $ 87,000 |
| Albany-Schenectady-Troy, NY | 11 | $ 1,958,000 | $ 178,000 | $ 132,000 |
| Atlantic City, NJ | 11 | $ 5,107,000 | $ 464,272 | $ 254,000 |
| Harrisburg-Carlisle, PA | 11 | $ 2,464,000 | $ 224,000 | $ 105,000 |
| Punta Gorda, FL | 11 | $ 1,727,000 | $ 157,000 | $ 112,000 |
| St. George, UT | 11 | $ 2,020,000 | $ 183,636 | $ 117,000 |
| Tulsa, OK | 11 | $ 1,703,000 | $ 154,818 | $ 95,000 |
| Coeur D'Alene, ID | 10 | $ 1,865,000 | $ 186,500 | $ 61,000 |
| Greenville, SC | 10 | $ 2,913,000 | $ 291,300 | $ 145,000 |
| Manchester-Nashua, NH | 10 | $ 2,502,000 | $ 250,200 | $ 128,000 |
| Panama City-Lynn Haven, FL | 10 | $ 3,067,000 | $ 306,700 | $ 211,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 10 | $ 3,137,000 | $ 313,700 | $ 145,000 |
| Vallejo-Fairfield, CA | 10 | $ 4,297,000 | $ 429,700 | $ 127,000 |
| Wilmington, DE-MD-NJ | 10 | $ 2,923,000 | $ 292,300 | $ 122,000 |
| Worcester, MA | 10 | $ 2,326,000 | $ 232,600 | $ 113,000 |
| Detroit-Livonia-Dearborn, MI | 9 | $ 2,050,000 | $ 227,777 | $ 62,000 |
| Kingston, NY | 9 | $ 1,954,000 | $ 217,111 | $ 85,000 |
| Knoxville, TN | 9 | $ 2,536,000 | $ 281,777 | $ 135,000 |
| Montgomery, AL | 9 | $ 857,000 | $ 95,222 | $ 106,000 |
| Springfield, MA | 9 | $ 1,570,000 | $ 174,444 | $ 102,000 |
| Tallahassee, FL | 9 | $ 2,313,000 | $ 257,000 | $ 158,000 |
| Barnstable Town, MA | 8 | $ 2,933,000 | $ 366,625 | $ 194,000 |
| Columbia, SC | 8 | $ 964,000 | $ 120,500 | $ 66,000 |
| Corpus Christi, TX | 8 | $ 1,349,000 | $ 168,625 | $ 142,000 |
| Dayton, OH | 8 | $ 1,777,000 | $ 222,125 | $ 176,000 |
| Gary, IN | 8 | $ 1,306,000 | $ 163,250 | $ 78,000 |
| Gulfport-Biloxi, MS | 8 | $ 711,000 | $ 88,875 | $ 124,000 |
| Ocala, FL | 8 | $ 1,742,000 | $ 217,750 | $ 487,000 |
| Ocean City, NJ | 8 | $ 2,761,000 | $ 345,125 | $ 138,000 |
| Rockingham County-Strafford County, NH | 8 | $ 2,042,000 | $ 255,250 | $ 47,000 |
| Savannah, GA | 8 | $ 2,020,000 | $ 252,500 | $ 100,000 |
| York-Hanover, PA | 8 | $ 1,643,000 | $ 205,375 | $ 104,000 |
| Baton Rouge, LA | 7 | $ 960,000 | $ 137,142 | $ 100,000 |
| Burlington-South Burlington, VT | 7 | $ 1,901,000 | $ 271,571 | $ 84,000 |
| Charlottesville, VA | 7 | $ 1,730,000 | $ 247,142 | $ 152,000 |
| Chattanooga, TN-GA | 7 | $ 1,717,000 | $ 245,285 | $ 91,000 |
| Des Moines, IA | 7 | $ 1,472,000 | $ 210,285 | $ 124,000 |
| Fort Walton Beach-Crestview-Destin, FL | 7 | $ 1,784,000 | $ 254,857 | $ 121,000 |
| Lakeland, FL | 7 | $ 1,345,000 | $ 192,142 | $ 129,000 |
| Lancaster, PA | 7 | $ 838,000 | $ 119,714 | $ 47,000 |
| Olympia, WA | 7 | $ 1,744,000 | $ 249,142 | $ 66,000 |
| Pascagoula, MS | 7 | $ 861,000 | $ 123,000 | $ 140,000 |
| Salem, OR | 7 | $ 1,017,000 | $ 145,285 | $ 107,000 |
| Buffalo-Niagara Falls, NY | 6 | $ 871,000 | $ 145,166 | $ 106,000 |
| Champaign-Urbana, IL | 6 | $ 708,000 | $ 118,000 | $ 159,000 |
| Chico, CA | 6 | $ 1,072,000 | $ 178,666 | $ 111,000 |
| Grand Rapids-Wyoming, MI | 6 | $ 1,162,000 | $ 193,666 | $ 75,000 |
| Lafayette, IN | 6 | $ 618,000 | $ 103,000 | $ 98,000 |
| Merced, CA | 6 | $ 1,345,000 | $ 224,166 | $ 81,000 |
| Missoula, MT | 6 | $ 813,000 | $ 135,500 | $ 54,000 |
| Pittsfield, MA | 6 | $ 2,572,000 | $ 428,666 | $ 293,000 |
| Redding, CA | 6 | $ 1,466,000 | $ 244,333 | $ 88,000 |
| Syracuse, NY | 6 | $ 893,000 | $ 148,833 | $ 84,000 |
| Toledo, OH | 6 | $ 842,000 | $ 140,333 | $ 86,000 |
| Visalia-Porterville, CA | 6 | $ 1,079,000 | $ 179,833 | $ 92,000 |
| Anderson, SC | 5 | $ 744,000 | $ 148,800 | $ 107,000 |
| Carson City, NV | 5 | $ 1,122,000 | $ 224,400 | $ 132,000 |
| Farmington, NM | 5 | $ 1,040,000 | $ 208,000 | $ 212,000 |
| Greensboro-High Point, NC | 5 | $ 980,000 | $ 196,000 | $ 115,000 |
| Jacksonville, NC | 5 | $ 839,000 | $ 167,800 | $ 95,000 |
| Lexington-Fayette, KY | 5 | $ 700,000 | $ 140,000 | $ 74,000 |
| Louisville, KY-IN | 5 | $ 1,111,000 | $ 222,200 | $ 158,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 978,000 | $ 195,600 | $ 83,000 |
| Niles-Benton Harbor, MI | 5 | $ 3,950,000 | $ 790,000 | $ 189,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 1,333,000 | $ 266,600 | $ 90,000 |
| Provo-Orem, UT | 5 | $ 1,186,000 | $ 237,200 | $ 119,000 |
| Roanoke, VA | 5 | $ 1,592,000 | $ 318,400 | $ 77,000 |
| Shreveport-Bossier City, LA | 5 | $ 739,000 | $ 147,800 | $ 103,000 |
| Wichita, KS | 5 | $ 554,000 | $ 110,800 | $ 49,000 |
| Winston-Salem, NC | 5 | $ 992,000 | $ 198,400 | $ 100,000 |
| Charleston, WV | 4 | $ 553,000 | $ 138,250 | $ 66,000 |
| El Paso, TX | 4 | $ 612,000 | $ 153,000 | $ 79,000 |
| Evansville, IN-KY | 4 | $ 787,000 | $ 196,750 | $ 150,000 |
| Gainesville, GA | 4 | $ 1,096,000 | $ 274,000 | $ 109,000 |
| Greeley, CO | 4 | $ 763,000 | $ 190,750 | $ 64,000 |
| Las Cruces, NM | 4 | $ 655,000 | $ 163,750 | $ 64,000 |
| Rochester, MN | 4 | $ 1,128,000 | $ 282,000 | $ 140,000 |
| Auburn-Opelika, AL | 3 | $ 381,000 | $ 127,000 | $ 94,000 |
| Beaumont-Port Arthur, TX | 3 | $ 221,000 | $ 73,666 | $ 88,000 |
| Bellingham, WA | 3 | $ 963,000 | $ 321,000 | $ 72,000 |
| Billings, MT | 3 | $ 390,000 | $ 130,000 | $ 97,000 |
| Bloomington-Normal, IL | 3 | $ 415,000 | $ 138,333 | $ 288,000 |
| Brunswick, GA | 3 | $ 673,000 | $ 224,333 | $ 151,000 |
| Corvallis, OR | 3 | $ 428,000 | $ 142,666 | $ 75,000 |
| Dover, DE | 3 | $ 444,000 | $ 148,000 | $ 101,000 |
| Eau Claire, WI | 3 | $ 314,000 | $ 104,666 | $ 97,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 419,000 | $ 139,666 | $ 62,000 |
| Gainesville, FL | 3 | $ 536,000 | $ 178,666 | $ 85,000 |
| Green Bay, WI | 3 | $ 587,000 | $ 195,666 | $ 166,000 |
| Holland-Grand Haven, MI | 3 | $ 427,000 | $ 142,333 | $ 53,000 |
| Iowa City, IA | 3 | $ 687,000 | $ 229,000 | $ 217,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 679,000 | $ 226,333 | $ 78,000 |
| Lafayette, LA | 3 | $ 379,000 | $ 126,333 | $ 108,000 |
| Lebanon, PA | 3 | $ 659,000 | $ 219,666 | $ 68,000 |
| Lynchburg, VA | 3 | $ 762,000 | $ 254,000 | $ 146,000 |
| Mobile, AL | 3 | $ 554,000 | $ 184,666 | $ 69,000 |
| Muncie, IN | 3 | $ 320,000 | $ 106,666 | $ 96,000 |
| Oshkosh-Neenah, WI | 3 | $ 586,000 | $ 195,333 | $ 495,000 |
| Spartanburg, SC | 3 | $ 418,000 | $ 139,333 | $ 41,000 |
| State College, PA | 3 | $ 717,000 | $ 239,000 | $ 116,000 |
| Terre Haute, IN | 3 | $ 396,000 | $ 132,000 | $ 62,000 |
| Yuma, AZ | 3 | $ 285,000 | $ 95,000 | $ 49,000 |
| Battle Creek, MI | 2 | $ 405,000 | $ 202,500 | $ 85,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 290,000 | $ 145,000 | $ 162,000 |
| Cleveland, TN | 2 | $ 183,000 | $ 91,500 | $ 28,000 |
| College Station-Bryan, TX | 2 | $ 272,000 | $ 136,000 | $ 137,000 |
| Columbus, GA-AL | 2 | $ 367,000 | $ 183,500 | $ 75,000 |
| Danville, VA | 2 | $ 389,000 | $ 194,500 | $ 60,000 |
| Elizabethtown, KY | 2 | $ 276,000 | $ 138,000 | $ 117,000 |
| Fairbanks, AK | 2 | $ 536,000 | $ 268,000 | $ 137,000 |
| Fort Smith, AR-OK | 2 | $ 192,000 | $ 96,000 | $ 34,000 |
| Gadsden, AL | 2 | $ 621,000 | $ 310,500 | $ 248,000 |
| Harrisonburg, VA | 2 | $ 576,000 | $ 288,000 | $ 66,000 |
| Hot Springs, AR | 2 | $ 259,000 | $ 129,500 | $ 58,000 |
| Huntsville, AL | 2 | $ 248,000 | $ 124,000 | $ 66,000 |
| Jackson, MS | 2 | $ 626,000 | $ 313,000 | $ 257,000 |
| Jefferson City, MO | 2 | $ 422,000 | $ 211,000 | $ 187,000 |
| Johnson City, TN | 2 | $ 452,000 | $ 226,000 | $ 49,000 |
| Joplin, MO | 2 | $ 381,000 | $ 190,500 | $ 82,000 |
| Kalamazoo-Portage, MI | 2 | $ 185,000 | $ 92,500 | $ 63,000 |
| Lake Charles, LA | 2 | $ 163,000 | $ 81,500 | $ 87,000 |
| Lansing-East Lansing, MI | 2 | $ 689,000 | $ 344,500 | $ 84,000 |
| Lawrence, KS | 2 | $ 269,000 | $ 134,500 | $ 60,000 |
| Lewiston-Auburn, ME | 2 | $ 264,000 | $ 132,000 | $ 81,000 |
| Lubbock, TX | 2 | $ 148,000 | $ 74,000 | $ 87,000 |
| Macon, GA | 2 | $ 455,000 | $ 227,500 | $ 95,000 |
| Midland, TX | 2 | $ 143,000 | $ 71,500 | $ 66,000 |
| Monroe, MI | 2 | $ 253,000 | $ 126,500 | $ 95,000 |
| Norwich-New London, CT | 2 | $ 430,000 | $ 215,000 | $ 86,000 |
| Ogden-Clearfield, UT | 2 | $ 284,000 | $ 142,000 | $ 139,000 |
| Peoria, IL | 2 | $ 370,000 | $ 185,000 | $ 241,000 |
| Pueblo, CO | 2 | $ 750,000 | $ 375,000 | $ 142,000 |
| Reading, PA | 2 | $ 189,000 | $ 94,500 | $ 43,000 |
| Rockford, IL | 2 | $ 575,000 | $ 287,500 | $ 99,000 |
| Rocky Mount, NC | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Scranton--Wilkes-Barre, PA | 2 | $ 476,000 | $ 238,000 | $ 94,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 217,000 | $ 108,500 | $ 74,000 |
| Springfield, IL | 2 | $ 181,000 | $ 90,500 | $ 22,000 |
| Springfield, MO | 2 | $ 835,000 | $ 417,500 | $ 28,000 |
| Tyler, TX | 2 | $ 236,000 | $ 118,000 | $ 26,000 |
| Waco, TX | 2 | $ 125,000 | $ 62,500 | $ 522,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 473,000 | $ 236,500 | $ 198,000 |
| Yuba City, CA | 2 | $ 415,000 | $ 207,500 | $ 59,000 |
| Abilene, TX | 1 | $ 23,000 | $ 23,000 | $ 36,000 |
| Anderson, IN | 1 | $ 171,000 | $ 171,000 | $ 72,000 |
| Anniston-Oxford, AL | 1 | $ 274,000 | $ 274,000 | $ 63,000 |
| Athens-Clarke County, GA | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| Bangor, ME | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Bay City, MI | 1 | $ 74,000 | $ 74,000 | $ 60,000 |
| Bloomington, IN | 1 | $ 92,000 | $ 92,000 | $ 74,000 |
| Bowling Green, KY | 1 | $ 82,000 | $ 82,000 | $ 24,000 |
| Brownsville-Harlingen, TX | 1 | $ 94,000 | $ 94,000 | $ 216,000 |
| Casper, WY | 1 | $ 180,000 | $ 180,000 | $ 150,000 |
| Cedar Rapids, IA | 1 | $ 188,000 | $ 188,000 | $ 70,000 |
| Cheyenne, WY | 1 | $ 222,000 | $ 222,000 | $ 71,000 |
| Clarksville, TN-KY | 1 | $ 60,000 | $ 60,000 | $ 70,000 |
| Columbia, MO | 1 | $ 130,000 | $ 130,000 | $ 146,000 |
| Cumberland, MD-WV | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Decatur, IL | 1 | $ 605,000 | $ 605,000 | $ 123,000 |
| Duluth, MN-WI | 1 | $ 179,000 | $ 179,000 | $ 85,000 |
| El Centro, CA | 1 | $ 383,000 | $ 383,000 | $ 105,000 |
| Fayetteville, NC | 1 | $ 246,000 | $ 246,000 | $ 98,000 |
| Florence, SC | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Fort Wayne, IN | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Glens Falls, NY | 1 | $ 200,000 | $ 200,000 | $ 506,000 |
| Great Falls, MT | 1 | $ 242,000 | $ 242,000 | $ 255,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 611,000 | $ 611,000 | $ 300,000 |
| Houma-Bayou Cane-Thibodaux, LA | 1 | $ 88,000 | $ 88,000 | $ 135,000 |
| Ithaca, NY | 1 | $ 241,000 | $ 241,000 | $ 54,000 |
| Jackson, MI | 1 | $ 475,000 | $ 475,000 | $ 140,000 |
| Janesville, WI | 1 | $ 61,000 | $ 61,000 | $ 96,000 |
| Kankakee-Bradley, IL | 1 | $ 979,000 | $ 979,000 | $ 300,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 130,000 | $ 130,000 | $ 110,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 191,000 | $ 191,000 | $ 89,000 |
| Laredo, TX | 1 | $ 180,000 | $ 180,000 | $ 150,000 |
| Lewiston, ID-WA | 1 | $ 134,000 | $ 134,000 | $ 41,000 |
| Lincoln, NE | 1 | $ 300,000 | $ 300,000 | $ 102,000 |
| Logan, UT-ID | 1 | $ 345,000 | $ 345,000 | $ 242,000 |
| Longview, TX | 1 | $ 68,000 | $ 68,000 | $ 116,000 |
| Longview, WA | 1 | $ 120,000 | $ 120,000 | $ 47,000 |
| Madera, CA | 1 | $ 400,000 | $ 400,000 | $ 200,000 |
| McAllen-Edinburg-Pharr, TX | 1 | $ 107,000 | $ 107,000 | $ 95,000 |
| Michigan City-La Porte, IN | 1 | $ 200,000 | $ 200,000 | $ 135,000 |
| Morristown, TN | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Racine, WI | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Rome, GA | 1 | $ 38,000 | $ 38,000 | $ 30,000 |
| Salisbury, MD | 1 | $ 108,000 | $ 108,000 | $ 179,000 |
| Sandusky, OH | 1 | $ 109,000 | $ 109,000 | $ 82,000 |
| Sioux Falls, SD | 1 | $ 220,000 | $ 220,000 | $ 94,000 |
| Topeka, KS | 1 | $ 117,000 | $ 117,000 | $ 113,000 |
| Tuscaloosa, AL | 1 | $ 211,000 | $ 211,000 | $ 132,000 |
| Utica-Rome, NY | 1 | $ 80,000 | $ 80,000 | $ 270,000 |
| Valdosta, GA | 1 | $ 168,000 | $ 168,000 | $ 74,000 |
| Wenatchee, WA | 1 | $ 77,000 | $ 77,000 | $ 72,000 |
| Winchester, VA-WV | 1 | $ 253,000 | $ 253,000 | $ 119,000 |
| Yakima, WA | 1 | $ 220,000 | $ 220,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for Charles Schwab Bank in 2005
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 | 4,129 | $1,265,307,000 | $258,260 | $6,119,000 | $123,060 | $4,200,000 |
| Home Purchase | 3,706 | $1,158,728,000 | $276,500 | $4,500,000 | $134,560 | $6,000,000 |
| Home Improvement | 151 | $38,757,000 | $223,033 | $890,000 | $113,200 | $1,154,000 |
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 | 5,547 | $1,672,172,000 | $262,060 | $4,500,000 | $131,460 | $6,000,000 |
| Not Provided | 1,412 | $488,401,000 | $305,600 | $6,119,000 | $171,911 | $4,200,000 |
| Asian | 351 | $124,723,000 | $274,437 | $3,000,000 | $130,812 | $1,200,000 |
| Not applicable | 234 | $65,676,000 | $267,190 | $2,000,000 | $0 | $0 |
| Hispanic | 227 | $57,636,000 | $220,689 | $1,332,000 | $125,862 | $1,075,000 |
| Black or African American | 136 | $30,973,000 | $215,560 | $800,000 | $99,720 | $511,000 |
| American Indian or Alaskan Native | 43 | $11,477,000 | $283,550 | $780,000 | $109,300 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 36 | $11,734,000 | $338,333 | $1,268,000 | $139,466 | $400,000 |
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) | 7,986 | $2,462,792,000 | $263,500 | $6,119,000 | $128,160 | $6,000,000 |
| 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 | 4,853 | $1,275,216,000 | $226,860 | $4,500,000 | $123,720 | $6,000,000 |
| Application Denied By Financial Institution | 1,332 | $531,335,000 | $327,428 | $6,119,000 | $138,591 | $4,200,000 |
| Application Withdrawn By Applicant | 1,017 | $451,178,000 | $354,914 | $3,519,000 | $172,234 | $3,000,000 |
| Application Approved But Not Accepted | 506 | $126,707,000 | $236,391 | $2,000,000 | $121,000 | $3,000,000 |
| Loan Purchased By The Institution | 234 | $65,676,000 | $267,190 | $2,000,000 | $0 | $0 |
| File Closed For Incompleteness | 44 | $12,680,000 | $242,631 | $1,332,000 | $143,736 | $550,000 |
| 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 | 546 | $261,109,000 | $400,116 | $6,119,000 | $122,302 | $4,200,000 |
| Collateral | 278 | $76,189,000 | $254,454 | $1,163,000 | $148,409 | $1,993,000 |
| Credit Application Incomplete | 170 | $67,610,000 | $345,352 | $1,500,000 | $190,411 | $1,125,000 |
| Credit History | 147 | $46,428,000 | $275,323 | $1,850,000 | $120,529 | $1,800,000 |
| Other | 145 | $62,679,000 | $369,937 | $3,547,000 | $197,812 | $1,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $10,010,000 | $275,555 | $1,440,000 | $87,722 | $609,000 |
| Employment History | 10 | $3,642,000 | $339,888 | $975,000 | $124,777 | $360,000 |
| Unverifiable Information | 8 | $3,668,000 | $448,600 | $1,000,000 | $204,200 | $340,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank's 2005 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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