Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Charter Bank 2005 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 | 7,094 |
| Total Mortgage Loan Application Amount | $960,545,000 |
| Average Mortgage Loan Application Amount | $137,333 |
| Highest Mortgage Loan Application Amount | $1,170,000 |
| Average Applicant Income | $85,388 |
| Highest Applicant Income | $5,301,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 2,527 | $ 367,068,000 | $ 145,000 | $ 57,000 |
| Sandoval County New Mexico | 982 | $ 141,458,000 | $ 144,000 | $ 55,000 |
| Dona Ana County New Mexico | 710 | $ 98,085,000 | $ 138,000 | $ 52,000 |
| Santa Fe County New Mexico | 323 | $ 63,527,000 | $ 196,000 | $ 113,000 |
| Lea County New Mexico | 266 | $ 21,437,000 | $ 80,000 | $ 42,000 |
| El Paso County Texas | 200 | $ 21,336,000 | $ 106,000 | $ 31,000 |
| Lubbock County Texas | 200 | $ 23,325,000 | $ 116,000 | $ 68,000 |
| Valencia County New Mexico | 166 | $ 21,272,000 | $ 128,000 | $ 52,000 |
| Bonneville County Idaho | 163 | $ 20,337,000 | $ 124,000 | $ 54,000 |
| San Juan County New Mexico | 95 | $ 12,765,000 | $ 134,000 | $ 58,000 |
| Curry County New Mexico | 94 | $ 8,502,000 | $ 90,000 | $ 48,000 |
| Randall County Texas | 80 | $ 8,371,000 | $ 104,000 | $ 55,000 |
| Otero County New Mexico | 72 | $ 6,085,000 | $ 84,000 | $ 39,000 |
| Potter County Texas | 71 | $ 5,195,000 | $ 73,000 | $ 48,000 |
| Chaves County New Mexico | 63 | $ 3,878,000 | $ 61,000 | $ 27,000 |
| Dallas County Texas | 61 | $ 6,295,000 | $ 103,000 | $ 157,000 |
| Midland County Texas | 40 | $ 5,772,000 | $ 144,000 | $ 121,000 |
| Eddy County New Mexico | 32 | $ 1,971,000 | $ 61,000 | $ 46,000 |
| McKinley County New Mexico | 28 | $ 3,616,000 | $ 129,000 | $ 59,000 |
| Tom Green County Texas | 27 | $ 2,861,000 | $ 105,000 | $ 95,000 |
| Tarrant County Texas | 25 | $ 2,754,000 | $ 110,000 | $ 77,000 |
| La Plata County Colorado | 23 | $ 4,961,000 | $ 215,000 | $ 83,000 |
| San Miguel County New Mexico | 19 | $ 2,948,000 | $ 155,000 | $ 49,000 |
| Sierra County New Mexico | 19 | $ 1,971,000 | $ 103,000 | $ 57,000 |
| Hale County Texas | 19 | $ 1,568,000 | $ 82,000 | $ 56,000 |
| Jefferson County Idaho | 18 | $ 2,001,000 | $ 111,000 | $ 41,000 |
| Lincoln County New Mexico | 17 | $ 2,384,000 | $ 140,000 | $ 110,000 |
| Luna County New Mexico | 17 | $ 1,559,000 | $ 91,000 | $ 52,000 |
| Taos County New Mexico | 17 | $ 2,939,000 | $ 172,000 | $ 91,000 |
| Harris County Texas | 15 | $ 2,603,000 | $ 173,000 | $ 81,000 |
| Bingham County Idaho | 14 | $ 1,670,000 | $ 119,000 | $ 39,000 |
| Lamar County Texas | 14 | $ 824,000 | $ 58,000 | $ 29,000 |
| Van Zandt County Texas | 14 | $ 1,343,000 | $ 95,000 | $ 67,000 |
| Roosevelt County New Mexico | 13 | $ 954,000 | $ 73,000 | $ 42,000 |
| Torrance County New Mexico | 12 | $ 1,073,000 | $ 89,000 | $ 33,000 |
| Santa Cruz County Arizona | 11 | $ 1,353,000 | $ 123,000 | $ 53,000 |
| Cibola County New Mexico | 11 | $ 669,000 | $ 60,000 | $ 34,000 |
| Hutchinson County Texas | 11 | $ 869,000 | $ 79,000 | $ 72,000 |
| Los Alamos County New Mexico | 10 | $ 1,542,000 | $ 154,000 | $ 53,000 |
| Denton County Texas | 10 | $ 1,208,000 | $ 120,000 | $ 57,000 |
| Ector County Texas | 10 | $ 1,376,000 | $ 137,000 | $ 118,000 |
| Fremont County Idaho | 9 | $ 1,093,000 | $ 121,000 | $ 82,000 |
| Rio Arriba County New Mexico | 9 | $ 1,459,000 | $ 162,000 | $ 77,000 |
| Maricopa County Arizona | 8 | $ 1,394,000 | $ 174,000 | $ 50,000 |
| Ada County Idaho | 8 | $ 1,036,000 | $ 129,000 | $ 32,000 |
| Fort Bend County Texas | 8 | $ 1,148,000 | $ 143,000 | $ 93,000 |
| Grayson County Texas | 8 | $ 617,000 | $ 77,000 | $ 47,000 |
| Colfax County New Mexico | 7 | $ 1,035,000 | $ 147,000 | $ 94,000 |
| Madison County Idaho | 6 | $ 662,000 | $ 110,000 | $ 36,000 |
| Collin County Texas | 6 | $ 842,000 | $ 140,000 | $ 64,000 |
| Gaines County Texas | 6 | $ 773,000 | $ 128,000 | $ 71,000 |
| Bexar County Texas | 5 | $ 1,640,000 | $ 328,000 | $ 189,000 |
| Gray County Texas | 5 | $ 313,000 | $ 62,000 | $ 41,000 |
| Guadalupe County Texas | 5 | $ 552,000 | $ 110,000 | $ 82,000 |
| Grant County New Mexico | 4 | $ 345,000 | $ 86,000 | $ 35,000 |
| Socorro County New Mexico | 4 | $ 488,000 | $ 122,000 | $ 36,000 |
| Brazoria County Texas | 4 | $ 773,000 | $ 193,000 | $ 130,000 |
| Fannin County Texas | 4 | $ 397,000 | $ 99,000 | $ 39,000 |
| Galveston County Texas | 4 | $ 721,000 | $ 180,000 | $ 116,000 |
| Hockley County Texas | 4 | $ 386,000 | $ 96,000 | $ 58,000 |
| Parker County Texas | 4 | $ 412,000 | $ 103,000 | $ 57,000 |
| Taylor County Texas | 4 | $ 403,000 | $ 100,000 | $ 60,000 |
| Bailey County Texas | 3 | $ 264,000 | $ 88,000 | $ 61,000 |
| Brazos County Texas | 3 | $ 558,000 | $ 186,000 | $ 111,000 |
| Montgomery County Texas | 3 | $ 577,000 | $ 192,000 | $ 86,000 |
| Archuleta County Colorado | 2 | $ 204,000 | $ 102,000 | $ 64,000 |
| Quay County New Mexico | 2 | $ 147,000 | $ 73,000 | $ 24,000 |
| Caldwell County Texas | 2 | $ 179,000 | $ 89,000 | $ 56,000 |
| Comal County Texas | 2 | $ 201,000 | $ 100,000 | $ 55,000 |
| Crosby County Texas | 2 | $ 124,000 | $ 62,000 | $ 39,000 |
| Hansford County Texas | 2 | $ 164,000 | $ 82,000 | $ 73,000 |
| Hill County Texas | 2 | $ 130,000 | $ 65,000 | $ 35,000 |
| Swisher County Texas | 2 | $ 242,000 | $ 121,000 | $ 226,000 |
| Terry County Texas | 2 | $ 426,000 | $ 213,000 | $ 55,000 |
| Travis County Texas | 2 | $ 343,000 | $ 171,000 | $ 510,000 |
| Ward County Texas | 2 | $ 132,000 | $ 66,000 | $ 99,000 |
| Wood County Texas | 2 | $ 195,000 | $ 97,000 | $ 146,000 |
| Utah County Utah | 2 | $ 368,000 | $ 184,000 | $ 30,000 |
| Gila County Arizona | 1 | $ 75,000 | $ 75,000 | $ 81,000 |
| Pima County Arizona | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Pinal County Arizona | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Conejos County Colorado | 1 | $ 137,000 | $ 137,000 | $ 190,000 |
| Douglas County Colorado | 1 | $ 192,000 | $ 192,000 | $ 47,000 |
| Hinsdale County Colorado | 1 | $ 694,000 | $ 694,000 | $ 3,130,000 |
| Pueblo County Colorado | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Weld County Colorado | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Paulding County Georgia | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Butte County Idaho | 1 | $ 186,000 | $ 186,000 | $ 59,000 |
| Canyon County Idaho | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Caribou County Idaho | 1 | $ 87,000 | $ 87,000 | $ 72,000 |
| Custer County Idaho | 1 | $ 159,000 | $ 159,000 | $ 98,000 |
| Elmore County Idaho | 1 | $ 167,000 | $ 167,000 | $ 63,000 |
| Minidoka County Idaho | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Teton County Idaho | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Twin Falls County Idaho | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| Ramsey County Minnesota | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Hidalgo County New Mexico | 1 | $ 97,000 | $ 97,000 | $ 77,000 |
| Cumberland County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 30,000 |
| Angelina County Texas | 1 | $ 57,000 | $ 57,000 | $ 50,000 |
| Brewster County Texas | 1 | $ 358,000 | $ 358,000 | $ 350,000 |
| Brown County Texas | 1 | $ 140,000 | $ 140,000 | $ 232,000 |
| Burnet County Texas | 1 | $ 314,000 | $ 314,000 | $ 168,000 |
| Carson County Texas | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Coke County Texas | 1 | $ 40,000 | $ 40,000 | $ 64,000 |
| Concho County Texas | 1 | $ 84,000 | $ 84,000 | $ 57,000 |
| Dawson County Texas | 1 | $ 39,000 | $ 39,000 | $ 35,000 |
| Ellis County Texas | 1 | $ 123,000 | $ 123,000 | $ 45,000 |
| Garza County Texas | 1 | $ 253,000 | $ 253,000 | $ 488,000 |
| Howard County Texas | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| Johnson County Texas | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Lipscomb County Texas | 1 | $ 72,000 | $ 72,000 | $ 62,000 |
| Llano County Texas | 1 | $ 1,105,000 | $ 1,105,000 | $ 557,000 |
| Lynn County Texas | 1 | $ 171,000 | $ 171,000 | $ 76,000 |
| Martin County Texas | 1 | $ 100,000 | $ 100,000 | $ 81,000 |
| McCulloch County Texas | 1 | $ 60,000 | $ 60,000 | $ 55,000 |
| Mitchell County Texas | 1 | $ 33,000 | $ 33,000 | $ 21,000 |
| Montague County Texas | 1 | $ 53,000 | $ 53,000 | $ 32,000 |
| Moore County Texas | 1 | $ 120,000 | $ 120,000 | $ 67,000 |
| Nueces County Texas | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Palo Pinto County Texas | 1 | $ 92,000 | $ 92,000 | $ 303,000 |
| Rockwall County Texas | 1 | $ 134,000 | $ 134,000 | $ 59,000 |
| Runnels County Texas | 1 | $ 36,000 | $ 36,000 | $ 42,000 |
| Winkler County Texas | 1 | $ 72,000 | $ 72,000 | $ 146,000 |
Mortgage Loan Application Detail Totals for Charter 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 5,316 | $724,992,000 | $160,800 | $1,170,000 | $101,300 | $3,130,000 |
| Refinancing | 1,728 | $231,404,000 | $139,800 | $1,000,000 | $60,800 | $5,301,000 |
| Home Improvement | 50 | $4,149,000 | $55,000 | $388,000 | $73,333 | $272,000 |
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 | 2,590 | $310,000,000 | $148,375 | $1,105,000 | $67,875 | $899,000 |
| White | 2,557 | $385,148,000 | $166,857 | $1,170,000 | $136,285 | $3,130,000 |
| Hispanic | 1,072 | $135,832,000 | $135,666 | $700,000 | $41,000 | $431,000 |
| Not Provided | 713 | $107,996,000 | $198,285 | $660,000 | $54,285 | $5,301,000 |
| Asian | 62 | $9,477,000 | $134,333 | $619,000 | $50,000 | $204,000 |
| Black or African American | 47 | $5,892,000 | $104,666 | $380,000 | $34,000 | $144,000 |
| American Indian or Alaskan Native | 46 | $5,047,000 | $118,500 | $213,000 | $62,250 | $232,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,153,000 | $164,000 | $449,000 | $68,000 | $160,000 |
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) | 4,225 | $638,621,000 | $193,500 | $1,170,000 | $97,625 | $5,301,000 |
| FHA-insured (Federal Housing Administration) | 2,248 | $230,913,000 | $101,000 | $250,000 | $29,285 | $451,000 |
| VA-guaranteed (Veterans Administration) | 596 | $88,128,000 | $123,857 | $371,000 | $36,714 | $181,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,883,000 | $101,000 | $185,000 | $36,500 | $65,000 |
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 | 3,150 | $454,512,000 | $176,375 | $1,000,000 | $105,000 | $5,301,000 |
| Loan Purchased By The Institution | 2,588 | $309,050,000 | $126,571 | $1,105,000 | $56,857 | $899,000 |
| Application Withdrawn By Applicant | 435 | $59,710,000 | $115,666 | $950,000 | $82,166 | $966,000 |
| Preapproval Denied by Financial Institution | 360 | $50,490,000 | $140,000 | $480,000 | $47,000 | $297,000 |
| Application Approved But Not Accepted | 303 | $55,352,000 | $182,500 | $750,000 | $65,500 | $369,000 |
| Application Denied By Financial Institution | 251 | $30,986,000 | $142,000 | $1,170,000 | $65,750 | $599,000 |
| File Closed For Incompleteness | 7 | $445,000 | $63,000 | $136,000 | $57,000 | $120,000 |
| Preapproval Approved but not Accepted | 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 | 335 | $48,668,000 | $121,800 | $700,000 | $41,400 | $431,000 |
| Credit History | 113 | $13,814,000 | $283,666 | $1,170,000 | $154,666 | $599,000 |
| Debt-To-Income Ratio | 83 | $10,101,000 | $116,000 | $480,000 | $37,000 | $297,000 |
| Other | 40 | $4,620,000 | $107,333 | $500,000 | $46,333 | $141,000 |
| Collateral | 19 | $1,464,000 | $92,500 | $261,000 | $50,500 | $118,000 |
| Employment History | 13 | $1,897,000 | $173,333 | $280,000 | $73,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $687,000 | $118,000 | $146,000 | $72,000 | $104,000 |
| Unverifiable Information | 1 | $225,000 | $225,000 | $225,000 | $102,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter 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 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.