Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Charter Bank 2007 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 | 8,175 |
| Total Mortgage Loan Application Amount | $1,298,381,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $77,333 |
| Highest Applicant Income | $6,260,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 2,118 | $ 350,707,000 | $ 165,000 | $ 72,000 |
| Dona Ana County New Mexico | 834 | $ 129,894,000 | $ 155,000 | $ 87,000 |
| Sandoval County New Mexico | 708 | $ 130,931,000 | $ 184,000 | $ 70,000 |
| Santa Fe County New Mexico | 395 | $ 78,733,000 | $ 199,000 | $ 84,000 |
| Lubbock County Texas | 221 | $ 27,572,000 | $ 124,000 | $ 77,000 |
| Midland County Texas | 201 | $ 30,381,000 | $ 151,000 | $ 107,000 |
| Valencia County New Mexico | 190 | $ 27,666,000 | $ 145,000 | $ 67,000 |
| Lea County New Mexico | 183 | $ 18,588,000 | $ 101,000 | $ 62,000 |
| El Paso County Texas | 128 | $ 18,947,000 | $ 148,000 | $ 76,000 |
| Bonneville County Idaho | 127 | $ 19,725,000 | $ 155,000 | $ 73,000 |
| Otero County New Mexico | 117 | $ 15,033,000 | $ 128,000 | $ 61,000 |
| Tom Green County Texas | 106 | $ 12,390,000 | $ 116,000 | $ 85,000 |
| Curry County New Mexico | 104 | $ 10,264,000 | $ 98,000 | $ 44,000 |
| Randall County Texas | 96 | $ 11,415,000 | $ 118,000 | $ 62,000 |
| San Juan County New Mexico | 85 | $ 12,810,000 | $ 150,000 | $ 77,000 |
| Miami-Dade County Florida | 69 | $ 12,961,000 | $ 187,000 | $ 77,000 |
| Ector County Texas | 66 | $ 8,797,000 | $ 133,000 | $ 76,000 |
| Chaves County New Mexico | 52 | $ 5,253,000 | $ 101,000 | $ 41,000 |
| Eddy County New Mexico | 44 | $ 4,120,000 | $ 93,000 | $ 61,000 |
| Broward County Florida | 38 | $ 6,044,000 | $ 159,000 | $ 64,000 |
| Bell County Texas | 35 | $ 4,402,000 | $ 125,000 | $ 57,000 |
| Potter County Texas | 35 | $ 3,261,000 | $ 93,000 | $ 57,000 |
| Los Angeles County California | 32 | $ 8,829,000 | $ 275,000 | $ 111,000 |
| Hillsborough County Florida | 32 | $ 6,096,000 | $ 190,000 | $ 93,000 |
| Orange County Florida | 32 | $ 5,474,000 | $ 171,000 | $ 78,000 |
| Pinellas County Florida | 32 | $ 6,208,000 | $ 194,000 | $ 97,000 |
| Maricopa County Arizona | 26 | $ 4,741,000 | $ 182,000 | $ 73,000 |
| Palm Beach County Florida | 26 | $ 4,849,000 | $ 186,000 | $ 90,000 |
| Socorro County New Mexico | 26 | $ 3,268,000 | $ 125,000 | $ 51,000 |
| Taylor County Texas | 26 | $ 2,704,000 | $ 104,000 | $ 57,000 |
| La Plata County Colorado | 23 | $ 4,473,000 | $ 194,000 | $ 80,000 |
| Roosevelt County New Mexico | 23 | $ 2,459,000 | $ 106,000 | $ 51,000 |
| Brazos County Texas | 23 | $ 2,907,000 | $ 126,000 | $ 119,000 |
| Duval County Florida | 21 | $ 2,435,000 | $ 115,000 | $ 78,000 |
| Lincoln County New Mexico | 21 | $ 3,444,000 | $ 164,000 | $ 230,000 |
| Volusia County Florida | 19 | $ 2,941,000 | $ 154,000 | $ 75,000 |
| Clark County Nevada | 19 | $ 3,317,000 | $ 174,000 | $ 87,000 |
| Hutchinson County Texas | 19 | $ 1,355,000 | $ 71,000 | $ 56,000 |
| Sierra County New Mexico | 18 | $ 1,944,000 | $ 108,000 | $ 52,000 |
| Santa Cruz County Arizona | 16 | $ 2,795,000 | $ 174,000 | $ 61,000 |
| Taos County New Mexico | 16 | $ 5,406,000 | $ 337,000 | $ 172,000 |
| King County Washington | 16 | $ 4,057,000 | $ 253,000 | $ 92,000 |
| Lee County Florida | 15 | $ 1,811,000 | $ 120,000 | $ 65,000 |
| Polk County Florida | 15 | $ 2,118,000 | $ 141,000 | $ 71,000 |
| Torrance County New Mexico | 15 | $ 1,276,000 | $ 85,000 | $ 54,000 |
| Riverside County California | 14 | $ 2,737,000 | $ 195,000 | $ 69,000 |
| Luna County New Mexico | 14 | $ 1,422,000 | $ 101,000 | $ 39,000 |
| Jefferson County Idaho | 13 | $ 2,241,000 | $ 172,000 | $ 51,000 |
| Colfax County New Mexico | 13 | $ 1,893,000 | $ 145,000 | $ 68,000 |
| Rio Arriba County New Mexico | 13 | $ 1,839,000 | $ 141,000 | $ 56,000 |
| San Miguel County New Mexico | 13 | $ 2,189,000 | $ 168,000 | $ 63,000 |
| Eastland County Texas | 13 | $ 937,000 | $ 72,000 | $ 66,000 |
| Brevard County Florida | 12 | $ 2,148,000 | $ 179,000 | $ 88,000 |
| Osceola County Florida | 12 | $ 1,960,000 | $ 163,000 | $ 104,000 |
| Seminole County Florida | 12 | $ 1,877,000 | $ 156,000 | $ 64,000 |
| Denver County Colorado | 11 | $ 1,994,000 | $ 181,000 | $ 71,000 |
| Coryell County Texas | 11 | $ 1,100,000 | $ 100,000 | $ 50,000 |
| Deaf Smith County Texas | 11 | $ 970,000 | $ 88,000 | $ 59,000 |
| Hale County Texas | 11 | $ 1,335,000 | $ 121,000 | $ 81,000 |
| Hockley County Texas | 11 | $ 1,173,000 | $ 106,000 | $ 77,000 |
| Martin County Texas | 11 | $ 1,334,000 | $ 121,000 | $ 61,000 |
| San Bernardino County California | 10 | $ 2,470,000 | $ 247,000 | $ 116,000 |
| McKinley County New Mexico | 10 | $ 1,200,000 | $ 120,000 | $ 49,000 |
| Bailey County Texas | 10 | $ 692,000 | $ 69,000 | $ 42,000 |
| Dallas County Texas | 10 | $ 1,696,000 | $ 169,000 | $ 116,000 |
| Smith County Texas | 10 | $ 1,230,000 | $ 123,000 | $ 72,000 |
| Snohomish County Washington | 10 | $ 1,864,000 | $ 186,000 | $ 74,000 |
| Bingham County Idaho | 9 | $ 1,057,000 | $ 117,000 | $ 61,000 |
| Harris County Texas | 9 | $ 2,000,000 | $ 222,000 | $ 118,000 |
| Tarrant County Texas | 9 | $ 1,346,000 | $ 149,000 | $ 95,000 |
| Ward County Texas | 9 | $ 817,000 | $ 90,000 | $ 65,000 |
| Pierce County Washington | 9 | $ 1,721,000 | $ 191,000 | $ 74,000 |
| San Diego County California | 8 | $ 2,525,000 | $ 315,000 | $ 104,000 |
| Madison County Idaho | 8 | $ 1,000,000 | $ 125,000 | $ 47,000 |
| Terry County Texas | 8 | $ 672,000 | $ 84,000 | $ 53,000 |
| Kern County California | 7 | $ 745,000 | $ 106,000 | $ 47,000 |
| Collier County Florida | 7 | $ 1,329,000 | $ 189,000 | $ 141,000 |
| Lake County Florida | 7 | $ 1,182,000 | $ 168,000 | $ 74,000 |
| Bannock County Idaho | 7 | $ 817,000 | $ 116,000 | $ 54,000 |
| Los Alamos County New Mexico | 7 | $ 2,077,000 | $ 296,000 | $ 127,000 |
| Quay County New Mexico | 7 | $ 461,000 | $ 65,000 | $ 53,000 |
| Fort Bend County Texas | 7 | $ 1,534,000 | $ 219,000 | $ 304,000 |
| Jefferson County Texas | 7 | $ 629,000 | $ 89,000 | $ 71,000 |
| Alameda County California | 6 | $ 1,922,000 | $ 320,000 | $ 85,000 |
| Fresno County California | 6 | $ 773,000 | $ 128,000 | $ 74,000 |
| Marion County Florida | 6 | $ 700,000 | $ 116,000 | $ 49,000 |
| St. Lucie County Florida | 6 | $ 762,000 | $ 127,000 | $ 53,000 |
| Ada County Idaho | 6 | $ 1,216,000 | $ 202,000 | $ 78,000 |
| Grant County New Mexico | 6 | $ 486,000 | $ 81,000 | $ 53,000 |
| Multnomah County Oregon | 6 | $ 1,557,000 | $ 259,000 | $ 116,000 |
| Bexar County Texas | 6 | $ 1,211,000 | $ 201,000 | $ 293,000 |
| Pima County Arizona | 5 | $ 718,000 | $ 143,000 | $ 54,000 |
| Orange County California | 5 | $ 1,775,000 | $ 355,000 | $ 136,000 |
| Hernando County Florida | 5 | $ 610,000 | $ 122,000 | $ 50,000 |
| Highlands County Florida | 5 | $ 683,000 | $ 136,000 | $ 70,000 |
| Fremont County Idaho | 5 | $ 697,000 | $ 139,000 | $ 45,000 |
| Union County New Mexico | 5 | $ 325,000 | $ 65,000 | $ 39,000 |
| Gaines County Texas | 5 | $ 1,170,000 | $ 234,000 | $ 69,000 |
| Lamb County Texas | 5 | $ 748,000 | $ 149,000 | $ 83,000 |
| Travis County Texas | 5 | $ 927,000 | $ 185,000 | $ 234,000 |
| Contra Costa County California | 4 | $ 1,126,000 | $ 281,000 | $ 140,000 |
| Santa Barbara County California | 4 | $ 1,149,000 | $ 287,000 | $ 142,000 |
| Sonoma County California | 4 | $ 905,000 | $ 226,000 | $ 92,000 |
| Tulare County California | 4 | $ 464,000 | $ 116,000 | $ 54,000 |
| Jefferson County Colorado | 4 | $ 989,000 | $ 247,000 | $ 77,000 |
| Alachua County Florida | 4 | $ 307,000 | $ 76,000 | $ 52,000 |
| Bay County Florida | 4 | $ 413,000 | $ 103,000 | $ 53,000 |
| Charlotte County Florida | 4 | $ 325,000 | $ 81,000 | $ 82,000 |
| Citrus County Florida | 4 | $ 373,000 | $ 93,000 | $ 52,000 |
| Pasco County Florida | 4 | $ 599,000 | $ 149,000 | $ 59,000 |
| Sarasota County Florida | 4 | $ 824,000 | $ 206,000 | $ 83,000 |
| Cibola County New Mexico | 4 | $ 386,000 | $ 96,000 | $ 41,000 |
| Washington County Oregon | 4 | $ 1,131,000 | $ 282,000 | $ 123,000 |
| Carson County Texas | 4 | $ 546,000 | $ 136,000 | $ 75,000 |
| Denton County Texas | 4 | $ 479,000 | $ 119,000 | $ 183,000 |
| Clark County Washington | 4 | $ 767,000 | $ 191,000 | $ 67,000 |
| Larimer County Colorado | 3 | $ 894,000 | $ 298,000 | $ 126,000 |
| Clay County Florida | 3 | $ 443,000 | $ 147,000 | $ 93,000 |
| Escambia County Florida | 3 | $ 239,000 | $ 79,000 | $ 35,000 |
| Hidalgo County New Mexico | 3 | $ 216,000 | $ 72,000 | $ 63,000 |
| Clackamas County Oregon | 3 | $ 373,000 | $ 124,000 | $ 71,000 |
| Castro County Texas | 3 | $ 354,000 | $ 118,000 | $ 70,000 |
| Collin County Texas | 3 | $ 434,000 | $ 144,000 | $ 87,000 |
| Dawson County Texas | 3 | $ 250,000 | $ 83,000 | $ 79,000 |
| Galveston County Texas | 3 | $ 393,000 | $ 131,000 | $ 148,000 |
| Garza County Texas | 3 | $ 620,000 | $ 206,000 | $ 96,000 |
| Gray County Texas | 3 | $ 329,000 | $ 109,000 | $ 75,000 |
| Hood County Texas | 3 | $ 518,000 | $ 172,000 | $ 120,000 |
| Howard County Texas | 3 | $ 402,000 | $ 134,000 | $ 175,000 |
| Jones County Texas | 3 | $ 314,000 | $ 104,000 | $ 71,000 |
| Parmer County Texas | 3 | $ 348,000 | $ 116,000 | $ 69,000 |
| Runnels County Texas | 3 | $ 129,000 | $ 43,000 | $ 31,000 |
| Winkler County Texas | 3 | $ 225,000 | $ 75,000 | $ 59,000 |
| Salt Lake County Utah | 3 | $ 1,262,000 | $ 420,000 | $ 222,000 |
| Kitsap County Washington | 3 | $ 686,000 | $ 228,000 | $ 69,000 |
| Pinal County Arizona | 2 | $ 282,000 | $ 141,000 | $ 106,000 |
| Yavapai County Arizona | 2 | $ 335,000 | $ 167,000 | $ 63,000 |
| Imperial County California | 2 | $ 278,000 | $ 139,000 | $ 75,000 |
| Stanislaus County California | 2 | $ 601,000 | $ 300,000 | $ 100,000 |
| Boulder County Colorado | 2 | $ 422,000 | $ 211,000 | $ 81,000 |
| El Paso County Colorado | 2 | $ 616,000 | $ 308,000 | $ 315,000 |
| Montezuma County Colorado | 2 | $ 424,000 | $ 212,000 | $ 198,000 |
| Flagler County Florida | 2 | $ 235,000 | $ 117,000 | $ 75,000 |
| Leon County Florida | 2 | $ 226,000 | $ 113,000 | $ 76,000 |
| Monroe County Florida | 2 | $ 985,000 | $ 492,000 | $ 312,000 |
| St. Johns County Florida | 2 | $ 289,000 | $ 144,000 | $ 67,000 |
| Canyon County Idaho | 2 | $ 455,000 | $ 227,000 | $ 62,000 |
| Power County Idaho | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Washoe County Nevada | 2 | $ 349,000 | $ 174,000 | $ 86,000 |
| Oklahoma County Oklahoma | 2 | $ 440,000 | $ 220,000 | $ 84,000 |
| Brazoria County Texas | 2 | $ 269,000 | $ 134,000 | $ 77,000 |
| Callahan County Texas | 2 | $ 133,000 | $ 66,000 | $ 73,000 |
| Cameron County Texas | 2 | $ 288,000 | $ 144,000 | $ 204,000 |
| Coke County Texas | 2 | $ 296,000 | $ 148,000 | $ 172,000 |
| Crosby County Texas | 2 | $ 117,000 | $ 58,000 | $ 43,000 |
| Dallam County Texas | 2 | $ 127,000 | $ 63,000 | $ 32,000 |
| Erath County Texas | 2 | $ 208,000 | $ 104,000 | $ 45,000 |
| Hays County Texas | 2 | $ 260,000 | $ 130,000 | $ 116,000 |
| Lampasas County Texas | 2 | $ 320,000 | $ 160,000 | $ 74,000 |
| Llano County Texas | 2 | $ 421,000 | $ 210,000 | $ 171,000 |
| Lynn County Texas | 2 | $ 256,000 | $ 128,000 | $ 86,000 |
| Montgomery County Texas | 2 | $ 492,000 | $ 246,000 | $ 378,000 |
| Moore County Texas | 2 | $ 211,000 | $ 105,000 | $ 96,000 |
| Nueces County Texas | 2 | $ 592,000 | $ 296,000 | $ 114,000 |
| Parker County Texas | 2 | $ 161,000 | $ 80,000 | $ 58,000 |
| Wise County Texas | 2 | $ 364,000 | $ 182,000 | $ 88,000 |
| Yoakum County Texas | 2 | $ 311,000 | $ 155,000 | $ 131,000 |
| Thurston County Washington | 2 | $ 485,000 | $ 242,000 | $ 129,000 |
| Yuma County Arizona | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Butte County California | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| Calaveras County California | 1 | $ 180,000 | $ 180,000 | $ 108,000 |
| El Dorado County California | 1 | $ 533,000 | $ 533,000 | $ 290,000 |
| Humboldt County California | 1 | $ 176,000 | $ 176,000 | $ 97,000 |
| Inyo County California | 1 | $ 220,000 | $ 220,000 | $ 76,000 |
| Lake County California | 1 | $ 82,000 | $ 82,000 | $ 56,000 |
| Madera County California | 1 | $ 148,000 | $ 148,000 | $ 228,000 |
| Merced County California | 1 | $ 130,000 | $ 130,000 | $ 29,000 |
| Sacramento County California | 1 | $ 156,000 | $ 156,000 | $ 66,000 |
| San Francisco County California | 1 | $ 450,000 | $ 450,000 | $ 130,000 |
| San Joaquin County California | 1 | $ 176,000 | $ 176,000 | $ 96,000 |
| Santa Clara County California | 1 | $ 170,000 | $ 170,000 | $ 54,000 |
| Shasta County California | 1 | $ 141,000 | $ 141,000 | $ 104,000 |
| Tehama County California | 1 | $ 124,000 | $ 124,000 | $ 92,000 |
| Adams County Colorado | 1 | $ 162,000 | $ 162,000 | $ 67,000 |
| Arapahoe County Colorado | 1 | $ 114,000 | $ 114,000 | $ 41,000 |
| Archuleta County Colorado | 1 | $ 312,000 | $ 312,000 | $ 119,000 |
| Douglas County Colorado | 1 | $ 455,000 | $ 455,000 | $ 100,000 |
| Routt County Colorado | 1 | $ 100,000 | $ 100,000 | $ 294,000 |
| San Juan County Colorado | 1 | $ 207,000 | $ 207,000 | $ 277,000 |
| Teller County Colorado | 1 | $ 339,000 | $ 339,000 | $ 82,000 |
| Columbia County Florida | 1 | $ 93,000 | $ 93,000 | $ 28,000 |
| Hamilton County Florida | 1 | $ 54,000 | $ 54,000 | $ 110,000 |
| Indian River County Florida | 1 | $ 98,000 | $ 98,000 | $ 78,000 |
| Jefferson County Florida | 1 | $ 114,000 | $ 114,000 | $ 60,000 |
| Levy County Florida | 1 | $ 80,000 | $ 80,000 | $ 48,000 |
| Manatee County Florida | 1 | $ 197,000 | $ 197,000 | $ 65,000 |
| Martin County Florida | 1 | $ 117,000 | $ 117,000 | $ 52,000 |
| Nassau County Florida | 1 | $ 212,000 | $ 212,000 | $ 65,000 |
| Okaloosa County Florida | 1 | $ 107,000 | $ 107,000 | $ 51,000 |
| Putnam County Florida | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| Santa Rosa County Florida | 1 | $ 108,000 | $ 108,000 | $ 38,000 |
| Sumter County Florida | 1 | $ 128,000 | $ 128,000 | $ 55,000 |
| Adams County Idaho | 1 | $ 109,000 | $ 109,000 | $ 151,000 |
| Minidoka County Idaho | 1 | $ 109,000 | $ 109,000 | $ 44,000 |
| Teton County Idaho | 1 | $ 218,000 | $ 218,000 | $ 54,000 |
| Anoka County Minnesota | 1 | $ 172,000 | $ 172,000 | $ 100,000 |
| Chisago County Minnesota | 1 | $ 200,000 | $ 200,000 | $ 61,000 |
| Dakota County Minnesota | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Hennepin County Minnesota | 1 | $ 103,000 | $ 103,000 | $ 132,000 |
| Itasca County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 87,000 |
| Nye County Nevada | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| De Baca County New Mexico | 1 | $ 163,000 | $ 163,000 | $ 39,000 |
| Mora County New Mexico | 1 | $ 177,000 | $ 177,000 | $ 167,000 |
| Tulsa County Oklahoma | 1 | $ 700,000 | $ 700,000 | $ 586,000 |
| Columbia County Oregon | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Coos County Oregon | 1 | $ 137,000 | $ 137,000 | $ 41,000 |
| Polk County Oregon | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Yamhill County Oregon | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
| Andrews County Texas | 1 | $ 83,000 | $ 83,000 | $ 70,000 |
| Angelina County Texas | 1 | $ 184,000 | $ 184,000 | $ 348,000 |
| Brewster County Texas | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Brown County Texas | 1 | $ 374,000 | $ 374,000 | $ 216,000 |
| Burnet County Texas | 1 | $ 136,000 | $ 136,000 | $ 0 |
| Cochran County Texas | 1 | $ 74,000 | $ 74,000 | $ 55,000 |
| Concho County Texas | 1 | $ 204,000 | $ 204,000 | $ 395,000 |
| Fannin County Texas | 1 | $ 60,000 | $ 60,000 | $ 92,000 |
| Franklin County Texas | 1 | $ 563,000 | $ 563,000 | $ 585,000 |
| Glasscock County Texas | 1 | $ 318,000 | $ 318,000 | $ 100,000 |
| Grimes County Texas | 1 | $ 79,000 | $ 79,000 | $ 36,000 |
| Hall County Texas | 1 | $ 128,000 | $ 128,000 | $ 80,000 |
| Hansford County Texas | 1 | $ 69,000 | $ 69,000 | $ 57,000 |
| Henderson County Texas | 1 | $ 119,000 | $ 119,000 | $ 42,000 |
| Hill County Texas | 1 | $ 120,000 | $ 120,000 | $ 90,000 |
| Hunt County Texas | 1 | $ 111,000 | $ 111,000 | $ 71,000 |
| Johnson County Texas | 1 | $ 131,000 | $ 131,000 | $ 79,000 |
| Kaufman County Texas | 1 | $ 94,000 | $ 94,000 | $ 33,000 |
| Kerr County Texas | 1 | $ 292,000 | $ 292,000 | $ 112,000 |
| Medina County Texas | 1 | $ 92,000 | $ 92,000 | $ 25,000 |
| Milam County Texas | 1 | $ 86,000 | $ 86,000 | $ 36,000 |
| Ochiltree County Texas | 1 | $ 121,000 | $ 121,000 | $ 148,000 |
| Oldham County Texas | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Orange County Texas | 1 | $ 70,000 | $ 70,000 | $ 56,000 |
| Pecos County Texas | 1 | $ 75,000 | $ 75,000 | $ 40,000 |
| Reagan County Texas | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Reeves County Texas | 1 | $ 42,000 | $ 42,000 | $ 47,000 |
| Robertson County Texas | 1 | $ 48,000 | $ 48,000 | $ 70,000 |
| Schleicher County Texas | 1 | $ 327,000 | $ 327,000 | $ 102,000 |
| Scurry County Texas | 1 | $ 43,000 | $ 43,000 | $ 37,000 |
| Tyler County Texas | 1 | $ 56,000 | $ 56,000 | $ 63,000 |
| Upton County Texas | 1 | $ 38,000 | $ 38,000 | $ 110,000 |
| Val Verde County Texas | 1 | $ 241,000 | $ 241,000 | $ 517,000 |
| Washington County Texas | 1 | $ 59,000 | $ 59,000 | $ 66,000 |
| Webb County Texas | 1 | $ 108,000 | $ 108,000 | $ 280,000 |
| Wood County Texas | 1 | $ 170,000 | $ 170,000 | $ 214,000 |
| Davis County Utah | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| Mason County Washington | 1 | $ 119,000 | $ 119,000 | $ 79,000 |
| Spokane County Washington | 1 | $ 163,000 | $ 163,000 | $ 176,000 |
| Whatcom County Washington | 1 | $ 315,000 | $ 315,000 | $ 153,000 |
| Yakima County Washington | 1 | $ 111,000 | $ 111,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Charter Bank in 2007
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 | 5,538 | $825,559,000 | $149,000 | $984,000 | $69,000 | $2,905,000 |
| Refinancing | 2,348 | $436,855,000 | $186,000 | $1,600,000 | $84,000 | $6,260,000 |
| Home Improvement | 289 | $35,967,000 | $124,000 | $1,000,000 | $79,000 | $4,292,000 |
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 | 4,415 | $725,566,000 | $164,000 | $1,600,000 | $82,000 | $6,260,000 |
| Hispanic | 2,229 | $312,626,000 | $140,000 | $1,500,000 | $59,000 | $4,292,000 |
| Not Provided | 1,073 | $188,365,000 | $175,000 | $942,000 | $71,000 | $821,000 |
| Black or African American | 282 | $41,816,000 | $148,000 | $648,000 | $72,000 | $1,500,000 |
| Asian | 99 | $17,266,000 | $174,000 | $640,000 | $92,000 | $1,376,000 |
| American Indian or Alaskan Native | 58 | $9,493,000 | $163,000 | $1,120,000 | $75,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 19 | $3,249,000 | $171,000 | $417,000 | $68,000 | $165,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 6,052 | $1,019,553,000 | $168,000 | $1,600,000 | $80,000 | $6,260,000 |
| FHA-insured (Federal Housing Administration) | 1,560 | $188,224,000 | $120,000 | $290,000 | $55,000 | $657,000 |
| VA-guaranteed (Veterans Administration) | 533 | $86,713,000 | $162,000 | $417,000 | $61,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,891,000 | $129,000 | $201,000 | $41,000 | $85,000 |
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 | 3,118 | $418,815,000 | $134,000 | $532,000 | $74,000 | $6,260,000 |
| Loan Originated | 2,671 | $459,100,000 | $171,000 | $1,500,000 | $79,000 | $2,364,000 |
| Application Withdrawn By Applicant | 931 | $149,844,000 | $160,000 | $989,000 | $59,000 | $834,000 |
| Application Denied By Financial Institution | 557 | $102,472,000 | $183,000 | $1,600,000 | $81,000 | $4,292,000 |
| Application Approved But Not Accepted | 452 | $94,647,000 | $209,000 | $1,040,000 | $83,000 | $1,500,000 |
| Preapproval Denied by Financial Institution | 295 | $48,457,000 | $164,000 | $540,000 | $51,000 | $553,000 |
| Preapproval Approved but not Accepted | 148 | $24,766,000 | $167,000 | $680,000 | $54,000 | $214,000 |
| File Closed For Incompleteness | 3 | $280,000 | $93,000 | $200,000 | $81,000 | $89,000 |
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 | 333 | $57,701,000 | $173,000 | $1,120,000 | $57,000 | $553,000 |
| Credit History | 155 | $22,695,000 | $146,000 | $1,000,000 | $91,000 | $4,292,000 |
| Collateral | 154 | $29,575,000 | $192,000 | $1,600,000 | $80,000 | $480,000 |
| Debt-To-Income Ratio | 85 | $16,217,000 | $190,000 | $665,000 | $56,000 | $300,000 |
| Other | 56 | $9,639,000 | $172,000 | $700,000 | $60,000 | $308,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 28 | $6,099,000 | $217,000 | $479,000 | $86,000 | $209,000 |
| Unverifiable Information | 24 | $6,316,000 | $263,000 | $975,000 | $134,000 | $540,000 |
| Employment History | 16 | $2,592,000 | $162,000 | $455,000 | $58,000 | $110,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $29,000 | $29,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter Bank's 2007 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.
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with aggregated HMDA statistics today.