Charter Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
Charter Bank 2008 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 | 8,348 |
| Total Mortgage Loan Application Amount | $1,405,294,000 |
| Average Mortgage Loan Application Amount | $160,333 |
| Highest Mortgage Loan Application Amount | $4,272,000 |
| Average Applicant Income | $80,666 |
| Highest Applicant Income | $3,265,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 2,189 | $ 387,521,000 | $ 177,000 | $ 79,000 |
| Dona Ana County New Mexico | 712 | $ 120,922,000 | $ 169,000 | $ 94,000 |
| Sandoval County New Mexico | 655 | $ 129,794,000 | $ 198,000 | $ 79,000 |
| Santa Fe County New Mexico | 393 | $ 106,304,000 | $ 270,000 | $ 114,000 |
| Lubbock County Texas | 255 | $ 32,177,000 | $ 126,000 | $ 87,000 |
| Lea County New Mexico | 229 | $ 27,628,000 | $ 120,000 | $ 64,000 |
| Midland County Texas | 206 | $ 32,402,000 | $ 157,000 | $ 107,000 |
| Valencia County New Mexico | 190 | $ 28,514,000 | $ 150,000 | $ 66,000 |
| El Paso County Texas | 135 | $ 19,900,000 | $ 147,000 | $ 75,000 |
| Randall County Texas | 127 | $ 15,096,000 | $ 118,000 | $ 58,000 |
| Bonneville County Idaho | 117 | $ 17,930,000 | $ 153,000 | $ 61,000 |
| Otero County New Mexico | 107 | $ 12,649,000 | $ 118,000 | $ 54,000 |
| Tom Green County Texas | 102 | $ 13,734,000 | $ 134,000 | $ 76,000 |
| Curry County New Mexico | 88 | $ 11,948,000 | $ 135,000 | $ 60,000 |
| San Juan County New Mexico | 88 | $ 15,414,000 | $ 175,000 | $ 86,000 |
| Potter County Texas | 84 | $ 7,594,000 | $ 90,000 | $ 46,000 |
| Chaves County New Mexico | 67 | $ 6,289,000 | $ 93,000 | $ 55,000 |
| Taos County New Mexico | 66 | $ 17,855,000 | $ 270,000 | $ 129,000 |
| Ector County Texas | 58 | $ 9,269,000 | $ 159,000 | $ 91,000 |
| Eddy County New Mexico | 57 | $ 7,027,000 | $ 123,000 | $ 65,000 |
| Dallas County Texas | 56 | $ 8,425,000 | $ 150,000 | $ 72,000 |
| Taylor County Texas | 52 | $ 5,682,000 | $ 109,000 | $ 63,000 |
| Tarrant County Texas | 47 | $ 7,878,000 | $ 167,000 | $ 79,000 |
| Miami-Dade County Florida | 46 | $ 8,355,000 | $ 181,000 | $ 128,000 |
| Erath County Texas | 46 | $ 4,814,000 | $ 104,000 | $ 47,000 |
| Los Angeles County California | 43 | $ 9,770,000 | $ 227,000 | $ 107,000 |
| Grant County New Mexico | 42 | $ 5,895,000 | $ 140,000 | $ 66,000 |
| La Plata County Colorado | 38 | $ 10,532,000 | $ 277,000 | $ 96,000 |
| Broward County Florida | 35 | $ 5,630,000 | $ 160,000 | $ 86,000 |
| Luna County New Mexico | 34 | $ 3,506,000 | $ 103,000 | $ 47,000 |
| Hutchinson County Texas | 33 | $ 2,812,000 | $ 85,000 | $ 53,000 |
| Hillsborough County Florida | 26 | $ 4,428,000 | $ 170,000 | $ 152,000 |
| Orange County Florida | 21 | $ 2,641,000 | $ 125,000 | $ 73,000 |
| San Miguel County New Mexico | 21 | $ 3,218,000 | $ 153,000 | $ 66,000 |
| Brazos County Texas | 21 | $ 2,780,000 | $ 132,000 | $ 102,000 |
| Duval County Florida | 20 | $ 2,557,000 | $ 127,000 | $ 66,000 |
| Torrance County New Mexico | 20 | $ 2,031,000 | $ 101,000 | $ 108,000 |
| Lincoln County New Mexico | 19 | $ 4,480,000 | $ 235,000 | $ 139,000 |
| Rio Arriba County New Mexico | 19 | $ 4,003,000 | $ 210,000 | $ 103,000 |
| Sierra County New Mexico | 18 | $ 2,981,000 | $ 165,000 | $ 206,000 |
| Pinellas County Florida | 17 | $ 1,950,000 | $ 114,000 | $ 115,000 |
| Terry County Texas | 17 | $ 1,159,000 | $ 68,000 | $ 43,000 |
| Santa Cruz County Arizona | 16 | $ 2,798,000 | $ 174,000 | $ 65,000 |
| Palm Beach County Florida | 16 | $ 3,381,000 | $ 211,000 | $ 90,000 |
| Denton County Texas | 16 | $ 2,774,000 | $ 173,000 | $ 96,000 |
| Ward County Texas | 16 | $ 1,831,000 | $ 114,000 | $ 67,000 |
| San Bernardino County California | 15 | $ 2,766,000 | $ 184,000 | $ 89,000 |
| Colfax County New Mexico | 15 | $ 2,476,000 | $ 165,000 | $ 61,000 |
| King County Washington | 15 | $ 4,047,000 | $ 269,000 | $ 89,000 |
| Maricopa County Arizona | 14 | $ 2,688,000 | $ 192,000 | $ 124,000 |
| Harris County Texas | 14 | $ 3,024,000 | $ 216,000 | $ 115,000 |
| Hockley County Texas | 14 | $ 1,328,000 | $ 94,000 | $ 57,000 |
| Lee County Florida | 13 | $ 1,560,000 | $ 120,000 | $ 120,000 |
| Los Alamos County New Mexico | 13 | $ 2,696,000 | $ 207,000 | $ 86,000 |
| Socorro County New Mexico | 13 | $ 1,894,000 | $ 145,000 | $ 65,000 |
| Bexar County Texas | 13 | $ 2,066,000 | $ 158,000 | $ 72,000 |
| Union County New Mexico | 12 | $ 994,000 | $ 82,000 | $ 60,000 |
| Riverside County California | 11 | $ 2,473,000 | $ 224,000 | $ 124,000 |
| Pasco County Florida | 11 | $ 1,786,000 | $ 162,000 | $ 62,000 |
| Roosevelt County New Mexico | 11 | $ 1,087,000 | $ 98,000 | $ 70,000 |
| Eastland County Texas | 11 | $ 988,000 | $ 89,000 | $ 64,000 |
| Bell County Texas | 10 | $ 1,057,000 | $ 105,000 | $ 51,000 |
| Parker County Texas | 10 | $ 1,835,000 | $ 183,000 | $ 192,000 |
| Osceola County Florida | 9 | $ 1,096,000 | $ 121,000 | $ 69,000 |
| Jefferson County Idaho | 9 | $ 1,334,000 | $ 148,000 | $ 64,000 |
| Cibola County New Mexico | 9 | $ 741,000 | $ 82,000 | $ 55,000 |
| Gaines County Texas | 9 | $ 1,167,000 | $ 129,000 | $ 57,000 |
| Brevard County Florida | 8 | $ 946,000 | $ 118,000 | $ 73,000 |
| Polk County Florida | 8 | $ 1,025,000 | $ 128,000 | $ 98,000 |
| Quay County New Mexico | 8 | $ 1,381,000 | $ 172,000 | $ 174,000 |
| Hale County Texas | 8 | $ 644,000 | $ 80,000 | $ 94,000 |
| Hood County Texas | 8 | $ 1,436,000 | $ 179,000 | $ 91,000 |
| Johnson County Texas | 8 | $ 1,063,000 | $ 132,000 | $ 69,000 |
| Lamb County Texas | 8 | $ 517,000 | $ 64,000 | $ 52,000 |
| Parmer County Texas | 8 | $ 726,000 | $ 90,000 | $ 40,000 |
| Travis County Texas | 8 | $ 2,483,000 | $ 310,000 | $ 344,000 |
| Kern County California | 7 | $ 854,000 | $ 122,000 | $ 44,000 |
| Collier County Florida | 7 | $ 1,281,000 | $ 183,000 | $ 117,000 |
| St. Lucie County Florida | 7 | $ 712,000 | $ 101,000 | $ 110,000 |
| Volusia County Florida | 7 | $ 703,000 | $ 100,000 | $ 48,000 |
| Jones County Texas | 7 | $ 1,103,000 | $ 157,000 | $ 73,000 |
| Winkler County Texas | 7 | $ 484,000 | $ 69,000 | $ 51,000 |
| Seminole County Florida | 6 | $ 1,205,000 | $ 200,000 | $ 95,000 |
| Ada County Idaho | 6 | $ 1,262,000 | $ 210,000 | $ 79,000 |
| Clark County Nevada | 6 | $ 1,029,000 | $ 171,000 | $ 77,000 |
| Multnomah County Oregon | 6 | $ 1,342,000 | $ 223,000 | $ 97,000 |
| Bailey County Texas | 6 | $ 503,000 | $ 83,000 | $ 53,000 |
| Collin County Texas | 6 | $ 1,020,000 | $ 170,000 | $ 76,000 |
| Deaf Smith County Texas | 6 | $ 613,000 | $ 102,000 | $ 77,000 |
| Jefferson County Texas | 6 | $ 701,000 | $ 116,000 | $ 78,000 |
| Snohomish County Washington | 6 | $ 2,112,000 | $ 352,000 | $ 97,000 |
| Pima County Arizona | 5 | $ 506,000 | $ 101,000 | $ 56,000 |
| Denver County Colorado | 5 | $ 1,270,000 | $ 254,000 | $ 122,000 |
| Hernando County Florida | 5 | $ 479,000 | $ 95,000 | $ 62,000 |
| Manatee County Florida | 5 | $ 815,000 | $ 163,000 | $ 61,000 |
| Marion County Florida | 5 | $ 672,000 | $ 134,000 | $ 82,000 |
| McKinley County New Mexico | 5 | $ 673,000 | $ 134,000 | $ 111,000 |
| Grayson County Texas | 5 | $ 1,045,000 | $ 209,000 | $ 82,000 |
| Salt Lake County Utah | 5 | $ 1,373,000 | $ 274,000 | $ 126,000 |
| Contra Costa County California | 4 | $ 941,000 | $ 235,000 | $ 72,000 |
| San Diego County California | 4 | $ 1,496,000 | $ 374,000 | $ 122,000 |
| Stanislaus County California | 4 | $ 1,007,000 | $ 251,000 | $ 85,000 |
| El Paso County Colorado | 4 | $ 441,000 | $ 110,000 | $ 48,000 |
| Jefferson County Colorado | 4 | $ 971,000 | $ 242,000 | $ 96,000 |
| Nassau County Florida | 4 | $ 458,000 | $ 114,000 | $ 182,000 |
| Bingham County Idaho | 4 | $ 742,000 | $ 185,000 | $ 67,000 |
| Madison County Idaho | 4 | $ 782,000 | $ 195,000 | $ 94,000 |
| Washington County Oregon | 4 | $ 643,000 | $ 160,000 | $ 61,000 |
| Kaufman County Texas | 4 | $ 1,211,000 | $ 302,000 | $ 32,000 |
| Montgomery County Texas | 4 | $ 453,000 | $ 113,000 | $ 61,000 |
| Williamson County Texas | 4 | $ 610,000 | $ 152,000 | $ 56,000 |
| Pierce County Washington | 4 | $ 440,000 | $ 110,000 | $ 57,000 |
| Fresno County California | 3 | $ 439,000 | $ 146,000 | $ 87,000 |
| Orange County California | 3 | $ 687,000 | $ 229,000 | $ 108,000 |
| San Joaquin County California | 3 | $ 673,000 | $ 224,000 | $ 70,000 |
| Solano County California | 3 | $ 728,000 | $ 242,000 | $ 145,000 |
| Adams County Colorado | 3 | $ 1,110,000 | $ 370,000 | $ 130,000 |
| Mesa County Colorado | 3 | $ 353,000 | $ 117,000 | $ 60,000 |
| Montezuma County Colorado | 3 | $ 1,034,000 | $ 344,000 | $ 167,000 |
| Martin County Florida | 3 | $ 678,000 | $ 226,000 | $ 139,000 |
| Sarasota County Florida | 3 | $ 440,000 | $ 146,000 | $ 102,000 |
| Bannock County Idaho | 3 | $ 610,000 | $ 203,000 | $ 58,000 |
| Fremont County Idaho | 3 | $ 1,057,000 | $ 352,000 | $ 37,000 |
| Catron County New Mexico | 3 | $ 533,000 | $ 177,000 | $ 47,000 |
| Clackamas County Oregon | 3 | $ 486,000 | $ 162,000 | $ 106,000 |
| Castro County Texas | 3 | $ 655,000 | $ 218,000 | $ 130,000 |
| Coryell County Texas | 3 | $ 270,000 | $ 90,000 | $ 44,000 |
| Gray County Texas | 3 | $ 314,000 | $ 104,000 | $ 92,000 |
| Martin County Texas | 3 | $ 324,000 | $ 108,000 | $ 59,000 |
| Smith County Texas | 3 | $ 365,000 | $ 121,000 | $ 53,000 |
| Somervell County Texas | 3 | $ 352,000 | $ 117,000 | $ 357,000 |
| Monterey County California | 2 | $ 481,000 | $ 240,000 | $ 70,000 |
| Sacramento County California | 2 | $ 344,000 | $ 172,000 | $ 49,000 |
| San Mateo County California | 2 | $ 521,000 | $ 260,000 | $ 110,000 |
| Garfield County Colorado | 2 | $ 593,000 | $ 296,000 | $ 122,000 |
| Summit County Colorado | 2 | $ 1,110,000 | $ 555,000 | $ 674,000 |
| Alachua County Florida | 2 | $ 384,000 | $ 192,000 | $ 88,000 |
| Charlotte County Florida | 2 | $ 322,000 | $ 161,000 | $ 270,000 |
| Clay County Florida | 2 | $ 336,000 | $ 168,000 | $ 119,000 |
| Escambia County Florida | 2 | $ 148,000 | $ 74,000 | $ 34,000 |
| Lake County Florida | 2 | $ 585,000 | $ 292,000 | $ 218,000 |
| Monroe County Florida | 2 | $ 519,000 | $ 259,000 | $ 241,000 |
| Okaloosa County Florida | 2 | $ 339,000 | $ 169,000 | $ 66,000 |
| Santa Rosa County Florida | 2 | $ 348,000 | $ 174,000 | $ 65,000 |
| St. Johns County Florida | 2 | $ 157,000 | $ 78,000 | $ 31,000 |
| Andrews County Texas | 2 | $ 260,000 | $ 130,000 | $ 89,000 |
| Armstrong County Texas | 2 | $ 126,000 | $ 63,000 | $ 40,000 |
| Atascosa County Texas | 2 | $ 179,000 | $ 89,000 | $ 36,000 |
| Bastrop County Texas | 2 | $ 165,000 | $ 82,000 | $ 15,000 |
| Brazoria County Texas | 2 | $ 270,000 | $ 135,000 | $ 87,000 |
| Brown County Texas | 2 | $ 235,000 | $ 117,000 | $ 28,000 |
| Cochran County Texas | 2 | $ 127,000 | $ 63,000 | $ 17,000 |
| Cooke County Texas | 2 | $ 470,000 | $ 235,000 | $ 96,000 |
| Dallam County Texas | 2 | $ 158,000 | $ 79,000 | $ 54,000 |
| Dawson County Texas | 2 | $ 168,000 | $ 84,000 | $ 71,000 |
| Ellis County Texas | 2 | $ 216,000 | $ 108,000 | $ 47,000 |
| Galveston County Texas | 2 | $ 152,000 | $ 76,000 | $ 45,000 |
| Guadalupe County Texas | 2 | $ 653,000 | $ 326,000 | $ 96,000 |
| Hays County Texas | 2 | $ 861,000 | $ 430,000 | $ 205,000 |
| Hemphill County Texas | 2 | $ 210,000 | $ 105,000 | $ 87,000 |
| Howard County Texas | 2 | $ 185,000 | $ 92,000 | $ 75,000 |
| Hunt County Texas | 2 | $ 242,000 | $ 121,000 | $ 64,000 |
| Lee County Texas | 2 | $ 206,000 | $ 103,000 | $ 57,000 |
| Lynn County Texas | 2 | $ 159,000 | $ 79,000 | $ 85,000 |
| Palo Pinto County Texas | 2 | $ 174,000 | $ 87,000 | $ 41,000 |
| Rockwall County Texas | 2 | $ 337,000 | $ 168,000 | $ 79,000 |
| Sherman County Texas | 2 | $ 149,000 | $ 74,000 | $ 60,000 |
| Wichita County Texas | 2 | $ 291,000 | $ 145,000 | $ 50,000 |
| Wise County Texas | 2 | $ 300,000 | $ 150,000 | $ 66,000 |
| Weber County Utah | 2 | $ 227,000 | $ 113,000 | $ 65,000 |
| Clark County Washington | 2 | $ 449,000 | $ 224,000 | $ 61,000 |
| Kitsap County Washington | 2 | $ 342,000 | $ 171,000 | $ 47,000 |
| Cochise County Arizona | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Yuma County Arizona | 1 | $ 87,000 | $ 87,000 | $ 41,000 |
| Alameda County California | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| El Dorado County California | 1 | $ 148,000 | $ 148,000 | $ 177,000 |
| Humboldt County California | 1 | $ 228,000 | $ 228,000 | $ 66,000 |
| Madera County California | 1 | $ 185,000 | $ 185,000 | $ 65,000 |
| Merced County California | 1 | $ 90,000 | $ 90,000 | $ 43,000 |
| Placer County California | 1 | $ 250,000 | $ 250,000 | $ 72,000 |
| Santa Clara County California | 1 | $ 525,000 | $ 525,000 | $ 585,000 |
| Santa Cruz County California | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Shasta County California | 1 | $ 142,000 | $ 142,000 | $ 42,000 |
| Tulare County California | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Ventura County California | 1 | $ 500,000 | $ 500,000 | $ 149,000 |
| Arapahoe County Colorado | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Archuleta County Colorado | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Boulder County Colorado | 1 | $ 158,000 | $ 158,000 | $ 120,000 |
| Delta County Colorado | 1 | $ 67,000 | $ 67,000 | $ 70,000 |
| Douglas County Colorado | 1 | $ 111,000 | $ 111,000 | $ 82,000 |
| Fremont County Colorado | 1 | $ 156,000 | $ 156,000 | $ 101,000 |
| San Juan County Colorado | 1 | $ 154,000 | $ 154,000 | $ 48,000 |
| San Miguel County Colorado | 1 | $ 395,000 | $ 395,000 | $ 331,000 |
| Bay County Florida | 1 | $ 145,000 | $ 145,000 | $ 42,000 |
| Citrus County Florida | 1 | $ 86,000 | $ 86,000 | $ 46,000 |
| Indian River County Florida | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Leon County Florida | 1 | $ 110,000 | $ 110,000 | $ 73,000 |
| Sumter County Florida | 1 | $ 89,000 | $ 89,000 | $ 49,000 |
| Canyon County Idaho | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Kootenai County Idaho | 1 | $ 128,000 | $ 128,000 | $ 67,000 |
| Latah County Idaho | 1 | $ 142,000 | $ 142,000 | $ 97,000 |
| Teton County Idaho | 1 | $ 340,000 | $ 340,000 | $ 100,000 |
| Valley County Idaho | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Washington County Idaho | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Washoe County Nevada | 1 | $ 273,000 | $ 273,000 | $ 114,000 |
| De Baca County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Guadalupe County New Mexico | 1 | $ 163,000 | $ 163,000 | $ 44,000 |
| Stephens County Oklahoma | 1 | $ 164,000 | $ 164,000 | $ 102,000 |
| Klamath County Oregon | 1 | $ 147,000 | $ 147,000 | $ 40,000 |
| Linn County Oregon | 1 | $ 70,000 | $ 70,000 | $ 25,000 |
| Marion County Oregon | 1 | $ 351,000 | $ 351,000 | $ 216,000 |
| Wasco County Oregon | 1 | $ 179,000 | $ 179,000 | $ 154,000 |
| Angelina County Texas | 1 | $ 196,000 | $ 196,000 | $ 100,000 |
| Brewster County Texas | 1 | $ 138,000 | $ 138,000 | $ 91,000 |
| Callahan County Texas | 1 | $ 186,000 | $ 186,000 | $ 103,000 |
| Carson County Texas | 1 | $ 72,000 | $ 72,000 | $ 0 |
| Cherokee County Texas | 1 | $ 109,000 | $ 109,000 | $ 41,000 |
| Collingsworth County Texas | 1 | $ 66,000 | $ 66,000 | $ 38,000 |
| Comal County Texas | 1 | $ 164,000 | $ 164,000 | $ 47,000 |
| Comanche County Texas | 1 | $ 173,000 | $ 173,000 | $ 37,000 |
| Crosby County Texas | 1 | $ 45,000 | $ 45,000 | $ 29,000 |
| Floyd County Texas | 1 | $ 53,000 | $ 53,000 | $ 36,000 |
| Fort Bend County Texas | 1 | $ 197,000 | $ 197,000 | $ 93,000 |
| Gillespie County Texas | 1 | $ 200,000 | $ 200,000 | $ 146,000 |
| Glasscock County Texas | 1 | $ 180,000 | $ 180,000 | $ 80,000 |
| Hamilton County Texas | 1 | $ 87,000 | $ 87,000 | $ 55,000 |
| Hansford County Texas | 1 | $ 52,000 | $ 52,000 | $ 72,000 |
| Haskell County Texas | 1 | $ 76,000 | $ 76,000 | $ 55,000 |
| Jim Wells County Texas | 1 | $ 221,000 | $ 221,000 | $ 131,000 |
| Kerr County Texas | 1 | $ 78,000 | $ 78,000 | $ 68,000 |
| Kimble County Texas | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Lampasas County Texas | 1 | $ 48,000 | $ 48,000 | $ 80,000 |
| Limestone County Texas | 1 | $ 69,000 | $ 69,000 | $ 28,000 |
| Llano County Texas | 1 | $ 286,000 | $ 286,000 | $ 319,000 |
| Mason County Texas | 1 | $ 134,000 | $ 134,000 | $ 93,000 |
| Milam County Texas | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Moore County Texas | 1 | $ 101,000 | $ 101,000 | $ 45,000 |
| Navarro County Texas | 1 | $ 110,000 | $ 110,000 | $ 58,000 |
| Orange County Texas | 1 | $ 97,000 | $ 97,000 | $ 76,000 |
| Red River County Texas | 1 | $ 83,000 | $ 83,000 | $ 41,000 |
| Reeves County Texas | 1 | $ 47,000 | $ 47,000 | $ 35,000 |
| Runnels County Texas | 1 | $ 71,000 | $ 71,000 | $ 58,000 |
| Schleicher County Texas | 1 | $ 127,000 | $ 127,000 | $ 77,000 |
| Sutton County Texas | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Swisher County Texas | 1 | $ 118,000 | $ 118,000 | $ 51,000 |
| Val Verde County Texas | 1 | $ 64,000 | $ 64,000 | $ 423,000 |
| Van Zandt County Texas | 1 | $ 40,000 | $ 40,000 | $ 16,000 |
| Victoria County Texas | 1 | $ 128,000 | $ 128,000 | $ 120,000 |
| Waller County Texas | 1 | $ 222,000 | $ 222,000 | $ 85,000 |
| Webb County Texas | 1 | $ 173,000 | $ 173,000 | $ 86,000 |
| Wheeler County Texas | 1 | $ 46,000 | $ 46,000 | $ 33,000 |
| Yoakum County Texas | 1 | $ 240,000 | $ 240,000 | $ 123,000 |
| Davis County Utah | 1 | $ 756,000 | $ 756,000 | $ 402,000 |
| Iron County Utah | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Island County Washington | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Kittitas County Washington | 1 | $ 73,000 | $ 73,000 | $ 109,000 |
| Pacific County Washington | 1 | $ 80,000 | $ 80,000 | $ 119,000 |
| Skagit County Washington | 1 | $ 135,000 | $ 135,000 | $ 40,000 |
| Thurston County Washington | 1 | $ 480,000 | $ 480,000 | $ 256,000 |
| Whatcom County Washington | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Charter Bank in 2008
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 | 5,268 | $812,899,000 | $154,000 | $1,500,000 | $75,000 | $2,351,000 |
| Refinancing | 2,800 | $556,179,000 | $198,000 | $4,272,000 | $92,000 | $3,265,000 |
| Home Improvement | 280 | $36,216,000 | $129,000 | $720,000 | $75,000 | $489,000 |
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 | 4,361 | $774,089,000 | $177,000 | $4,272,000 | $89,000 | $1,800,000 |
| Hispanic | 2,436 | $347,311,000 | $142,000 | $800,000 | $64,000 | $2,351,000 |
| Not Provided | 1,204 | $225,648,000 | $187,000 | $2,000,000 | $83,000 | $3,265,000 |
| Black or African American | 186 | $27,320,000 | $146,000 | $750,000 | $69,000 | $413,000 |
| Asian | 89 | $17,992,000 | $202,000 | $820,000 | $106,000 | $757,000 |
| American Indian or Alaskan Native | 59 | $9,242,000 | $156,000 | $600,000 | $70,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $3,182,000 | $265,000 | $718,000 | $132,000 | $585,000 |
| Not applicable | 1 | $510,000 | $510,000 | $510,000 | $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) | 4,389 | $861,530,000 | $196,000 | $4,272,000 | $103,000 | $3,265,000 |
| FHA-insured (Federal Housing Administration) | 3,280 | $430,287,000 | $131,000 | $363,000 | $56,000 | $1,636,000 |
| VA-guaranteed (Veterans Administration) | 599 | $104,841,000 | $175,000 | $417,000 | $58,000 | $244,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 80 | $8,636,000 | $107,000 | $258,000 | $40,000 | $75,000 |
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 | 3,123 | $454,874,000 | $145,000 | $480,000 | $77,000 | $3,265,000 |
| Loan Originated | 2,514 | $450,263,000 | $179,000 | $1,500,000 | $86,000 | $2,351,000 |
| Application Withdrawn By Applicant | 810 | $139,393,000 | $172,000 | $1,500,000 | $70,000 | $2,046,000 |
| Application Approved But Not Accepted | 703 | $150,430,000 | $213,000 | $4,272,000 | $102,000 | $1,951,000 |
| Application Denied By Financial Institution | 673 | $125,627,000 | $186,000 | $1,125,000 | $86,000 | $1,281,000 |
| Preapproval Denied by Financial Institution | 373 | $56,400,000 | $151,000 | $600,000 | $57,000 | $1,183,000 |
| Preapproval Approved but not Accepted | 151 | $28,279,000 | $187,000 | $417,000 | $72,000 | $1,200,000 |
| File Closed For Incompleteness | 1 | $28,000 | $28,000 | $28,000 | $50,000 | $50,000 |
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 | 341 | $61,870,000 | $181,000 | $700,000 | $69,000 | $1,183,000 |
| Debt-To-Income Ratio | 223 | $40,695,000 | $182,000 | $1,100,000 | $61,000 | $404,000 |
| Credit History | 186 | $25,677,000 | $138,000 | $1,018,000 | $62,000 | $1,200,000 |
| Other | 119 | $25,424,000 | $213,000 | $1,125,000 | $138,000 | $1,281,000 |
| Collateral | 110 | $16,427,000 | $149,000 | $452,000 | $85,000 | $487,000 |
| Employment History | 29 | $4,195,000 | $144,000 | $417,000 | $58,000 | $508,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $3,845,000 | $192,000 | $675,000 | $88,000 | $225,000 |
| Unverifiable Information | 16 | $3,600,000 | $225,000 | $500,000 | $98,000 | $180,000 |
| Mortgage Insurance Denied | 2 | $294,000 | $147,000 | $182,000 | $40,000 | $45,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Charter Bank's 2008 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.