Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Charter Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Charter Bank 2130 Eubank Blvd Ne Albuquerque, NM 87112 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,293 |
| Total Mortgage Loan Application Amount | $901,155,000 |
| Average Mortgage Loan Application Amount | $111,944 |
| Highest Mortgage Loan Application Amount | $1,625,000 |
| Average Applicant Income | $63,555 |
| Highest Applicant Income | $1,760,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Charter Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Charter Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Charter Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Charter Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Charter Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Charter Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bernalillo County New Mexico | 3,120 | $ 406,535,000 | $ 130,000 | $ 55,000 |
| Dona Ana County New Mexico | 742 | $ 90,027,000 | $ 121,000 | $ 43,000 |
| Sandoval County New Mexico | 741 | $ 102,188,000 | $ 137,000 | $ 54,000 |
| Santa Fe County New Mexico | 339 | $ 59,958,000 | $ 176,000 | $ 58,000 |
| Lea County New Mexico | 217 | $ 14,566,000 | $ 67,000 | $ 52,000 |
| Valencia County New Mexico | 177 | $ 19,775,000 | $ 111,000 | $ 45,000 |
| Lubbock County Texas | 173 | $ 19,758,000 | $ 114,000 | $ 74,000 |
| El Paso County Texas | 171 | $ 14,955,000 | $ 87,000 | $ 33,000 |
| Curry County New Mexico | 128 | $ 9,802,000 | $ 76,000 | $ 46,000 |
| Bonneville County Idaho | 126 | $ 14,307,000 | $ 113,000 | $ 56,000 |
| Chaves County New Mexico | 102 | $ 6,237,000 | $ 61,000 | $ 34,000 |
| Otero County New Mexico | 98 | $ 8,934,000 | $ 91,000 | $ 49,000 |
| San Juan County New Mexico | 97 | $ 11,468,000 | $ 118,000 | $ 52,000 |
| Potter County Texas | 75 | $ 4,839,000 | $ 64,000 | $ 42,000 |
| La Plata County Colorado | 74 | $ 14,315,000 | $ 193,000 | $ 91,000 |
| Randall County Texas | 66 | $ 6,480,000 | $ 98,000 | $ 59,000 |
| Tom Green County Texas | 42 | $ 3,885,000 | $ 92,000 | $ 56,000 |
| Maricopa County Arizona | 37 | $ 5,896,000 | $ 159,000 | $ 65,000 |
| Eddy County New Mexico | 29 | $ 1,900,000 | $ 65,000 | $ 40,000 |
| McKinley County New Mexico | 23 | $ 2,722,000 | $ 118,000 | $ 63,000 |
| Torrance County New Mexico | 23 | $ 2,124,000 | $ 92,000 | $ 41,000 |
| Santa Cruz County Arizona | 21 | $ 2,378,000 | $ 113,000 | $ 39,000 |
| Bingham County Idaho | 20 | $ 1,832,000 | $ 91,000 | $ 51,000 |
| Roosevelt County New Mexico | 20 | $ 1,511,000 | $ 75,000 | $ 59,000 |
| Sierra County New Mexico | 20 | $ 1,539,000 | $ 76,000 | $ 35,000 |
| Bannock County Idaho | 18 | $ 1,481,000 | $ 82,000 | $ 36,000 |
| Lincoln County New Mexico | 18 | $ 2,422,000 | $ 134,000 | $ 80,000 |
| Hutchinson County Texas | 17 | $ 910,000 | $ 53,000 | $ 57,000 |
| Ada County Idaho | 14 | $ 1,788,000 | $ 127,000 | $ 48,000 |
| Jefferson County Idaho | 14 | $ 1,574,000 | $ 112,000 | $ 52,000 |
| Luna County New Mexico | 14 | $ 1,014,000 | $ 72,000 | $ 40,000 |
| Johnson County Texas | 13 | $ 1,226,000 | $ 94,000 | $ 50,000 |
| Finney County Kansas | 12 | $ 1,001,000 | $ 83,000 | $ 46,000 |
| San Miguel County New Mexico | 12 | $ 1,102,000 | $ 91,000 | $ 46,000 |
| Los Alamos County New Mexico | 9 | $ 2,013,000 | $ 223,000 | $ 72,000 |
| Socorro County New Mexico | 9 | $ 720,000 | $ 80,000 | $ 59,000 |
| Ector County Texas | 9 | $ 933,000 | $ 103,000 | $ 58,000 |
| Taos County New Mexico | 8 | $ 1,416,000 | $ 177,000 | $ 125,000 |
| Madison County Idaho | 7 | $ 932,000 | $ 133,000 | $ 60,000 |
| Angelina County Texas | 7 | $ 491,000 | $ 70,000 | $ 67,000 |
| Harris County Texas | 7 | $ 1,175,000 | $ 167,000 | $ 110,000 |
| Parker County Texas | 7 | $ 560,000 | $ 80,000 | $ 24,000 |
| Cassia County Idaho | 6 | $ 468,000 | $ 78,000 | $ 29,000 |
| Fremont County Idaho | 6 | $ 724,000 | $ 120,000 | $ 93,000 |
| Cibola County New Mexico | 6 | $ 505,000 | $ 84,000 | $ 54,000 |
| Grant County New Mexico | 6 | $ 537,000 | $ 89,000 | $ 49,000 |
| Taylor County Texas | 6 | $ 584,000 | $ 97,000 | $ 58,000 |
| Rio Arriba County New Mexico | 5 | $ 555,000 | $ 111,000 | $ 47,000 |
| Hale County Texas | 5 | $ 394,000 | $ 78,000 | $ 53,000 |
| Tarrant County Texas | 5 | $ 316,000 | $ 63,000 | $ 41,000 |
| Pinal County Arizona | 4 | $ 395,000 | $ 98,000 | $ 36,000 |
| El Paso County Colorado | 4 | $ 618,000 | $ 154,000 | $ 208,000 |
| Canyon County Idaho | 4 | $ 389,000 | $ 97,000 | $ 46,000 |
| Minidoka County Idaho | 4 | $ 265,000 | $ 66,000 | $ 46,000 |
| Gray County Kansas | 4 | $ 213,000 | $ 53,000 | $ 56,000 |
| Colfax County New Mexico | 4 | $ 745,000 | $ 186,000 | $ 244,000 |
| Fort Bend County Texas | 4 | $ 602,000 | $ 150,000 | $ 82,000 |
| Pima County Arizona | 3 | $ 272,000 | $ 90,000 | $ 16,000 |
| Quay County New Mexico | 3 | $ 157,000 | $ 52,000 | $ 91,000 |
| Union County New Mexico | 3 | $ 275,000 | $ 91,000 | $ 31,000 |
| Brazoria County Texas | 3 | $ 376,000 | $ 125,000 | $ 82,000 |
| Gray County Texas | 3 | $ 161,000 | $ 53,000 | $ 40,000 |
| Moore County Texas | 3 | $ 223,000 | $ 74,000 | $ 47,000 |
| Wise County Texas | 3 | $ 284,000 | $ 94,000 | $ 31,000 |
| Coconino County Arizona | 2 | $ 424,000 | $ 212,000 | $ 158,000 |
| Archuleta County Colorado | 2 | $ 267,000 | $ 133,000 | $ 76,000 |
| Montezuma County Colorado | 2 | $ 169,000 | $ 84,000 | $ 56,000 |
| Weld County Colorado | 2 | $ 145,000 | $ 72,000 | $ 34,000 |
| Gem County Idaho | 2 | $ 208,000 | $ 104,000 | $ 59,000 |
| Bexar County Texas | 2 | $ 185,000 | $ 92,000 | $ 49,000 |
| Brazos County Texas | 2 | $ 193,000 | $ 96,000 | $ 136,000 |
| Comanche County Texas | 2 | $ 163,000 | $ 81,000 | $ 57,000 |
| Crosby County Texas | 2 | $ 108,000 | $ 54,000 | $ 56,000 |
| Fannin County Texas | 2 | $ 133,000 | $ 66,000 | $ 68,000 |
| Garza County Texas | 2 | $ 196,000 | $ 98,000 | $ 54,000 |
| Hockley County Texas | 2 | $ 105,000 | $ 52,000 | $ 38,000 |
| Hood County Texas | 2 | $ 274,000 | $ 137,000 | $ 49,000 |
| Montgomery County Texas | 2 | $ 283,000 | $ 141,000 | $ 84,000 |
| Douglas County Colorado | 1 | $ 306,000 | $ 306,000 | $ 142,000 |
| Las Animas County Colorado | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Pueblo County Colorado | 1 | $ 180,000 | $ 180,000 | $ 98,000 |
| San Juan County Colorado | 1 | $ 80,000 | $ 80,000 | $ 82,000 |
| Power County Idaho | 1 | $ 77,000 | $ 77,000 | $ 44,000 |
| Twin Falls County Idaho | 1 | $ 157,000 | $ 157,000 | $ 75,000 |
| Kearny County Kansas | 1 | $ 73,000 | $ 73,000 | $ 75,000 |
| Seward County Kansas | 1 | $ 28,000 | $ 28,000 | $ 17,000 |
| Pearl River County Mississippi | 1 | $ 63,000 | $ 63,000 | $ 67,000 |
| De Baca County New Mexico | 1 | $ 51,000 | $ 51,000 | $ 33,000 |
| Mora County New Mexico | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Bailey County Texas | 1 | $ 31,000 | $ 31,000 | $ 41,000 |
| Bastrop County Texas | 1 | $ 66,000 | $ 66,000 | $ 35,000 |
| Callahan County Texas | 1 | $ 43,000 | $ 43,000 | $ 43,000 |
| Carson County Texas | 1 | $ 72,000 | $ 72,000 | $ 62,000 |
| Cochran County Texas | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Collin County Texas | 1 | $ 114,000 | $ 114,000 | $ 30,000 |
| Dawson County Texas | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Deaf Smith County Texas | 1 | $ 57,000 | $ 57,000 | $ 29,000 |
| Denton County Texas | 1 | $ 178,000 | $ 178,000 | $ 97,000 |
| Ellis County Texas | 1 | $ 108,000 | $ 108,000 | $ 55,000 |
| Erath County Texas | 1 | $ 98,000 | $ 98,000 | $ 39,000 |
| Floyd County Texas | 1 | $ 59,000 | $ 59,000 | $ 41,000 |
| Grayson County Texas | 1 | $ 73,000 | $ 73,000 | $ 36,000 |
| Hall County Texas | 1 | $ 50,000 | $ 50,000 | $ 33,000 |
| Haskell County Texas | 1 | $ 58,000 | $ 58,000 | $ 40,000 |
| Howard County Texas | 1 | $ 108,000 | $ 108,000 | $ 76,000 |
| Kaufman County Texas | 1 | $ 131,000 | $ 131,000 | $ 51,000 |
| Lamb County Texas | 1 | $ 32,000 | $ 32,000 | $ 19,000 |
| Midland County Texas | 1 | $ 213,000 | $ 213,000 | $ 207,000 |
| Montague County Texas | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
| Nacogdoches County Texas | 1 | $ 71,000 | $ 71,000 | $ 49,000 |
| Nolan County Texas | 1 | $ 93,000 | $ 93,000 | $ 83,000 |
| Parmer County Texas | 1 | $ 39,000 | $ 39,000 | $ 47,000 |
| Runnels County Texas | 1 | $ 43,000 | $ 43,000 | $ 54,000 |
| Somervell County Texas | 1 | $ 157,000 | $ 157,000 | $ 80,000 |
| Swisher County Texas | 1 | $ 51,000 | $ 51,000 | $ 34,000 |
| Travis County Texas | 1 | $ 200,000 | $ 200,000 | $ 90,000 |
| Wichita County Texas | 1 | $ 194,000 | $ 194,000 | $ 89,000 |
| Williamson County Texas | 1 | $ 83,000 | $ 83,000 | $ 57,000 |
| Winkler County Texas | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Young County Texas | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
Mortgage Loan Application Detail Totals for Charter 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,172 | $645,668,000 | $120,875 | $1,625,000 | $66,875 | $1,760,000 |
| Refinancing | 2,078 | $251,348,000 | $130,714 | $1,425,000 | $56,714 | $1,341,000 |
| Home Improvement | 43 | $4,139,000 | $44,333 | $440,000 | $70,666 | $484,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,909 | $307,340,000 | $109,000 | $945,000 | $61,125 | $1,760,000 |
| White | 2,349 | $329,650,000 | $131,500 | $1,425,000 | $59,000 | $1,436,000 |
| Hispanic | 1,156 | $134,322,000 | $124,166 | $680,000 | $49,500 | $1,005,000 |
| Not Provided | 732 | $106,656,000 | $138,833 | $900,000 | $90,666 | $1,005,000 |
| American Indian or Alaskan Native | 50 | $5,363,000 | $107,500 | $214,000 | $38,250 | $203,000 |
| Black or African American | 49 | $10,499,000 | $282,000 | $1,625,000 | $90,500 | $924,000 |
| Asian | 41 | $6,431,000 | $119,500 | $456,000 | $34,500 | $301,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $894,000 | $127,000 | $334,000 | $121,000 | $636,000 |
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) | 3,922 | $556,992,000 | $128,000 | $1,625,000 | $73,625 | $1,760,000 |
| FHA-insured (Federal Housing Administration) | 2,733 | $262,481,000 | $88,500 | $388,000 | $32,333 | $375,000 |
| VA-guaranteed (Veterans Administration) | 607 | $78,695,000 | $127,600 | $281,000 | $45,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 31 | $2,987,000 | $101,000 | $183,000 | $38,000 | $68,000 |
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 | 3,299 | $443,772,000 | $133,000 | $1,425,000 | $68,600 | $1,436,000 |
| Loan Purchased By The Institution | 2,906 | $306,908,000 | $110,000 | $945,000 | $60,000 | $1,760,000 |
| Application Withdrawn By Applicant | 318 | $42,763,000 | $109,200 | $1,500,000 | $68,200 | $924,000 |
| Application Approved But Not Accepted | 268 | $42,312,000 | $118,166 | $700,000 | $47,333 | $1,005,000 |
| Application Denied By Financial Institution | 255 | $29,593,000 | $113,333 | $1,400,000 | $40,666 | $350,000 |
| Preapproval Denied by Financial Institution | 245 | $35,712,000 | $145,000 | $1,625,000 | $56,000 | $664,000 |
| Preapproval Approved but not Accepted | 1 | $15,000 | $15,000 | $15,000 | $53,000 | $53,000 |
| File Closed For Incompleteness | 1 | $80,000 | $80,000 | $80,000 | $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 | 300 | $44,445,000 | $139,000 | $1,625,000 | $31,250 | $664,000 |
| Credit History | 80 | $8,227,000 | $89,500 | $388,000 | $36,500 | $170,000 |
| Debt-To-Income Ratio | 62 | $6,130,000 | $115,000 | $316,000 | $35,750 | $140,000 |
| Other | 34 | $3,768,000 | $116,600 | $236,000 | $54,000 | $129,000 |
| Collateral | 8 | $1,051,000 | $106,666 | $370,000 | $59,333 | $85,000 |
| Unverifiable Information | 7 | $731,000 | $107,000 | $160,000 | $40,000 | $71,000 |
| Employment History | 6 | $667,000 | $114,500 | $158,000 | $40,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $96,000 | $48,000 | $68,000 | $41,500 | $59,000 |
| Mortgage Insurance Denied | 1 | $190,000 | $190,000 | $190,000 | $41,000 | $41,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter 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 Charter 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 New Mexico, download the full spreadsheet
with aggregated HMDA statistics today.