Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Charter Bank 2006 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 | 7,741 |
| Total Mortgage Loan Application Amount | $1,114,075,000 |
| Average Mortgage Loan Application Amount | $119,666 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $3,242,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 2,606 | $ 395,435,000 | $ 151,000 | $ 68,000 |
| Sandoval County New Mexico | 990 | $ 158,315,000 | $ 159,000 | $ 64,000 |
| Dona Ana County New Mexico | 887 | $ 126,020,000 | $ 142,000 | $ 70,000 |
| Santa Fe County New Mexico | 419 | $ 84,406,000 | $ 201,000 | $ 74,000 |
| Valencia County New Mexico | 262 | $ 36,244,000 | $ 138,000 | $ 61,000 |
| Lea County New Mexico | 240 | $ 20,809,000 | $ 86,000 | $ 52,000 |
| Lubbock County Texas | 181 | $ 22,287,000 | $ 123,000 | $ 97,000 |
| Curry County New Mexico | 179 | $ 16,738,000 | $ 93,000 | $ 47,000 |
| Otero County New Mexico | 178 | $ 20,190,000 | $ 113,000 | $ 47,000 |
| Bonneville County Idaho | 168 | $ 21,086,000 | $ 125,000 | $ 61,000 |
| El Paso County Texas | 112 | $ 14,125,000 | $ 126,000 | $ 56,000 |
| San Juan County New Mexico | 111 | $ 15,340,000 | $ 138,000 | $ 62,000 |
| Midland County Texas | 97 | $ 14,026,000 | $ 144,000 | $ 101,000 |
| Randall County Texas | 85 | $ 8,998,000 | $ 105,000 | $ 49,000 |
| Chaves County New Mexico | 69 | $ 5,331,000 | $ 77,000 | $ 38,000 |
| Potter County Texas | 68 | $ 4,866,000 | $ 71,000 | $ 41,000 |
| Eddy County New Mexico | 63 | $ 4,622,000 | $ 73,000 | $ 41,000 |
| Ector County Texas | 39 | $ 3,645,000 | $ 93,000 | $ 63,000 |
| Lincoln County New Mexico | 33 | $ 4,306,000 | $ 130,000 | $ 79,000 |
| Tom Green County Texas | 29 | $ 3,015,000 | $ 103,000 | $ 88,000 |
| Bingham County Idaho | 24 | $ 2,717,000 | $ 113,000 | $ 46,000 |
| Santa Cruz County Arizona | 23 | $ 3,782,000 | $ 164,000 | $ 58,000 |
| Jefferson County Idaho | 22 | $ 3,181,000 | $ 144,000 | $ 79,000 |
| San Miguel County New Mexico | 22 | $ 2,996,000 | $ 136,000 | $ 57,000 |
| Roosevelt County New Mexico | 18 | $ 1,601,000 | $ 88,000 | $ 54,000 |
| Torrance County New Mexico | 18 | $ 1,936,000 | $ 107,000 | $ 41,000 |
| La Plata County Colorado | 17 | $ 5,895,000 | $ 346,000 | $ 151,000 |
| Hale County Texas | 16 | $ 1,565,000 | $ 97,000 | $ 86,000 |
| Los Alamos County New Mexico | 15 | $ 2,387,000 | $ 159,000 | $ 82,000 |
| Dallas County Texas | 14 | $ 1,404,000 | $ 100,000 | $ 136,000 |
| Sierra County New Mexico | 13 | $ 1,135,000 | $ 87,000 | $ 54,000 |
| Luna County New Mexico | 12 | $ 1,593,000 | $ 132,000 | $ 75,000 |
| McKinley County New Mexico | 12 | $ 1,155,000 | $ 96,000 | $ 44,000 |
| Socorro County New Mexico | 12 | $ 1,303,000 | $ 108,000 | $ 49,000 |
| Hutchinson County Texas | 12 | $ 993,000 | $ 82,000 | $ 49,000 |
| Rio Arriba County New Mexico | 11 | $ 1,638,000 | $ 148,000 | $ 41,000 |
| Ada County Idaho | 9 | $ 2,071,000 | $ 230,000 | $ 106,000 |
| Colfax County New Mexico | 9 | $ 1,010,000 | $ 112,000 | $ 56,000 |
| Fremont County Idaho | 8 | $ 1,284,000 | $ 160,000 | $ 67,000 |
| Castro County Texas | 8 | $ 954,000 | $ 119,000 | $ 100,000 |
| Quay County New Mexico | 7 | $ 492,000 | $ 70,000 | $ 81,000 |
| Tarrant County Texas | 7 | $ 1,498,000 | $ 214,000 | $ 110,000 |
| Bailey County Texas | 6 | $ 679,000 | $ 113,000 | $ 110,000 |
| Hockley County Texas | 6 | $ 478,000 | $ 79,000 | $ 59,000 |
| Smith County Texas | 6 | $ 1,032,000 | $ 172,000 | $ 145,000 |
| Grant County New Mexico | 5 | $ 429,000 | $ 85,000 | $ 46,000 |
| Taos County New Mexico | 5 | $ 1,018,000 | $ 203,000 | $ 111,000 |
| Collin County Texas | 5 | $ 580,000 | $ 116,000 | $ 90,000 |
| Dawson County Texas | 5 | $ 294,000 | $ 58,000 | $ 43,000 |
| Howard County Texas | 5 | $ 387,000 | $ 77,000 | $ 55,000 |
| Terry County Texas | 5 | $ 388,000 | $ 77,000 | $ 48,000 |
| Ward County Texas | 5 | $ 436,000 | $ 87,000 | $ 91,000 |
| Maricopa County Arizona | 4 | $ 550,000 | $ 137,000 | $ 45,000 |
| Montezuma County Colorado | 4 | $ 678,000 | $ 169,000 | $ 116,000 |
| Canyon County Idaho | 4 | $ 687,000 | $ 171,000 | $ 70,000 |
| Cibola County New Mexico | 4 | $ 328,000 | $ 82,000 | $ 34,000 |
| De Baca County New Mexico | 4 | $ 182,000 | $ 45,000 | $ 39,000 |
| Union County New Mexico | 4 | $ 276,000 | $ 69,000 | $ 39,000 |
| Bexar County Texas | 4 | $ 617,000 | $ 154,000 | $ 87,000 |
| Gaines County Texas | 4 | $ 376,000 | $ 94,000 | $ 51,000 |
| Harris County Texas | 4 | $ 542,000 | $ 135,000 | $ 140,000 |
| Archuleta County Colorado | 3 | $ 986,000 | $ 328,000 | $ 748,000 |
| Teton County Idaho | 3 | $ 781,000 | $ 260,000 | $ 147,000 |
| Brazos County Texas | 3 | $ 360,000 | $ 120,000 | $ 71,000 |
| Hood County Texas | 3 | $ 258,000 | $ 86,000 | $ 69,000 |
| Lamb County Texas | 3 | $ 413,000 | $ 137,000 | $ 100,000 |
| Martin County Texas | 3 | $ 346,000 | $ 115,000 | $ 81,000 |
| Moore County Texas | 3 | $ 158,000 | $ 52,000 | $ 24,000 |
| Rio Grande County Colorado | 2 | $ 601,000 | $ 300,000 | $ 246,000 |
| Bannock County Idaho | 2 | $ 114,000 | $ 57,000 | $ 24,000 |
| Madison County Idaho | 2 | $ 261,000 | $ 130,000 | $ 50,000 |
| Hidalgo County New Mexico | 2 | $ 214,000 | $ 107,000 | $ 35,000 |
| Andrews County Texas | 2 | $ 222,000 | $ 111,000 | $ 88,000 |
| Armstrong County Texas | 2 | $ 97,000 | $ 48,000 | $ 67,000 |
| Brown County Texas | 2 | $ 375,000 | $ 187,000 | $ 441,000 |
| Carson County Texas | 2 | $ 191,000 | $ 95,000 | $ 58,000 |
| Crosby County Texas | 2 | $ 132,000 | $ 66,000 | $ 131,000 |
| Dallam County Texas | 2 | $ 285,000 | $ 142,000 | $ 67,000 |
| Ellis County Texas | 2 | $ 251,000 | $ 125,000 | $ 54,000 |
| Galveston County Texas | 2 | $ 409,000 | $ 204,000 | $ 97,000 |
| Hartley County Texas | 2 | $ 210,000 | $ 105,000 | $ 106,000 |
| Kaufman County Texas | 2 | $ 182,000 | $ 91,000 | $ 47,000 |
| Lamar County Texas | 2 | $ 128,000 | $ 64,000 | $ 61,000 |
| Llano County Texas | 2 | $ 1,620,000 | $ 810,000 | $ 590,000 |
| Mitchell County Texas | 2 | $ 205,000 | $ 102,000 | $ 91,000 |
| Palo Pinto County Texas | 2 | $ 375,000 | $ 187,000 | $ 175,000 |
| Parmer County Texas | 2 | $ 128,000 | $ 64,000 | $ 55,000 |
| Travis County Texas | 2 | $ 184,000 | $ 92,000 | $ 45,000 |
| Winkler County Texas | 2 | $ 100,000 | $ 50,000 | $ 45,000 |
| Yoakum County Texas | 2 | $ 278,000 | $ 139,000 | $ 185,000 |
| Coconino County Arizona | 1 | $ 104,000 | $ 104,000 | $ 60,000 |
| Gila County Arizona | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Pima County Arizona | 1 | $ 252,000 | $ 252,000 | $ 41,000 |
| Jefferson County Colorado | 1 | $ 233,000 | $ 233,000 | $ 79,000 |
| Las Animas County Colorado | 1 | $ 132,000 | $ 132,000 | $ 0 |
| San Juan County Colorado | 1 | $ 244,000 | $ 244,000 | $ 73,000 |
| Cherokee County Georgia | 1 | $ 89,000 | $ 89,000 | $ 60,000 |
| Bonner County Idaho | 1 | $ 180,000 | $ 180,000 | $ 107,000 |
| Custer County Idaho | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Kootenai County Idaho | 1 | $ 96,000 | $ 96,000 | $ 208,000 |
| Lincoln County Idaho | 1 | $ 130,000 | $ 130,000 | $ 44,000 |
| Angelina County Texas | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
| Brazoria County Texas | 1 | $ 227,000 | $ 227,000 | $ 125,000 |
| Cameron County Texas | 1 | $ 103,000 | $ 103,000 | $ 70,000 |
| Coke County Texas | 1 | $ 124,000 | $ 124,000 | $ 88,000 |
| Coleman County Texas | 1 | $ 864,000 | $ 864,000 | $ 768,000 |
| Crane County Texas | 1 | $ 66,000 | $ 66,000 | $ 51,000 |
| Denton County Texas | 1 | $ 121,000 | $ 121,000 | $ 43,000 |
| Donley County Texas | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Eastland County Texas | 1 | $ 65,000 | $ 65,000 | $ 115,000 |
| Garza County Texas | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Gray County Texas | 1 | $ 52,000 | $ 52,000 | $ 52,000 |
| Grayson County Texas | 1 | $ 62,000 | $ 62,000 | $ 25,000 |
| Guadalupe County Texas | 1 | $ 100,000 | $ 100,000 | $ 61,000 |
| Jefferson County Texas | 1 | $ 34,000 | $ 34,000 | $ 74,000 |
| Lynn County Texas | 1 | $ 105,000 | $ 105,000 | $ 244,000 |
| Montague County Texas | 1 | $ 83,000 | $ 83,000 | $ 51,000 |
| Pecos County Texas | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Rains County Texas | 1 | $ 74,000 | $ 74,000 | $ 51,000 |
| Schleicher County Texas | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Swisher County Texas | 1 | $ 86,000 | $ 86,000 | $ 40,000 |
| Van Zandt County Texas | 1 | $ 81,000 | $ 81,000 | $ 48,000 |
| Wilbarger County Texas | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Wise County Texas | 1 | $ 102,000 | $ 102,000 | $ 47,000 |
| Tooele County Utah | 1 | $ 184,000 | $ 184,000 | $ 78,000 |
| Utah County Utah | 1 | $ 293,000 | $ 293,000 | $ 82,000 |
| Clark County Washington | 1 | $ 218,000 | $ 218,000 | $ 67,000 |
| Natrona County Wyoming | 1 | $ 153,000 | $ 153,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Charter 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 | 6,142 | $865,062,000 | $140,000 | $1,500,000 | $64,000 | $2,577,000 |
| Refinancing | 1,536 | $245,224,000 | $159,000 | $1,120,000 | $74,000 | $3,242,000 |
| Home Improvement | 63 | $3,789,000 | $60,000 | $1,228,000 | $84,000 | $1,458,000 |
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 | 3,187 | $505,521,000 | $158,000 | $1,485,000 | $74,000 | $3,242,000 |
| Not applicable | 2,015 | $243,120,000 | $120,000 | $417,000 | $58,000 | $1,776,000 |
| Hispanic | 1,618 | $216,895,000 | $134,000 | $1,500,000 | $60,000 | $1,860,000 |
| Not Provided | 680 | $109,567,000 | $161,000 | $1,500,000 | $69,000 | $2,577,000 |
| Asian | 101 | $17,440,000 | $172,000 | $1,000,000 | $76,000 | $600,000 |
| Black or African American | 76 | $12,223,000 | $160,000 | $680,000 | $63,000 | $229,000 |
| American Indian or Alaskan Native | 48 | $6,929,000 | $144,000 | $417,000 | $65,000 | $446,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $2,380,000 | $148,000 | $292,000 | $58,000 | $205,000 |
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) | 5,021 | $773,306,000 | $154,000 | $1,500,000 | $75,000 | $3,242,000 |
| FHA-insured (Federal Housing Administration) | 2,078 | $238,901,000 | $114,000 | $293,000 | $48,000 | $601,000 |
| VA-guaranteed (Veterans Administration) | 618 | $99,148,000 | $160,000 | $417,000 | $59,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,720,000 | $113,000 | $195,000 | $42,000 | $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 Purchased By The Institution | 3,398 | $423,242,000 | $124,000 | $417,000 | $62,000 | $3,242,000 |
| Loan Originated | 2,891 | $462,515,000 | $159,000 | $1,500,000 | $73,000 | $2,577,000 |
| Application Withdrawn By Applicant | 727 | $112,689,000 | $155,000 | $1,120,000 | $64,000 | $600,000 |
| Application Denied By Financial Institution | 379 | $55,613,000 | $146,000 | $1,500,000 | $54,000 | $720,000 |
| Application Approved But Not Accepted | 227 | $44,109,000 | $194,000 | $1,200,000 | $67,000 | $395,000 |
| Preapproval Denied by Financial Institution | 111 | $14,951,000 | $134,000 | $450,000 | $45,000 | $179,000 |
| Preapproval Approved but not Accepted | 7 | $879,000 | $125,000 | $193,000 | $67,000 | $98,000 |
| File Closed For Incompleteness | 1 | $77,000 | $77,000 | $77,000 | $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 | 226 | $35,882,000 | $158,000 | $900,000 | $60,000 | $720,000 |
| Credit History | 136 | $16,623,000 | $122,000 | $265,000 | $43,000 | $258,000 |
| Debt-To-Income Ratio | 82 | $10,472,000 | $127,000 | $584,000 | $37,000 | $185,000 |
| Other | 22 | $2,934,000 | $133,000 | $417,000 | $60,000 | $160,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,914,000 | $364,000 | $1,500,000 | $118,000 | $558,000 |
| Collateral | 8 | $383,000 | $47,000 | $74,000 | $57,000 | $133,000 |
| Employment History | 7 | $1,237,000 | $176,000 | $215,000 | $91,000 | $144,000 |
| Unverifiable Information | 1 | $119,000 | $119,000 | $119,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter 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 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.