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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| ALBUQUERQUE, NM | 3,031 | $ 510,580,000 | $ 168,000 | $ 71,000 |
| LAS CRUCES, NM | 834 | $ 129,894,000 | $ 155,000 | $ 87,000 |
| SANTA FE, NM | 395 | $ 78,733,000 | $ 199,000 | $ 84,000 |
| LUBBOCK, TX | 223 | $ 27,689,000 | $ 124,000 | $ 77,000 |
| MIDLAND, TX | 201 | $ 30,381,000 | $ 151,000 | $ 107,000 |
| IDAHO FALLS, ID | 140 | $ 21,966,000 | $ 156,000 | $ 71,000 |
| AMARILLO, TX | 135 | $ 15,222,000 | $ 112,000 | $ 61,000 |
| EL PASO, TX | 128 | $ 18,947,000 | $ 148,000 | $ 76,000 |
| SAN ANGELO, TX | 106 | $ 12,390,000 | $ 116,000 | $ 85,000 |
| FARMINGTON, NM | 85 | $ 12,810,000 | $ 150,000 | $ 77,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 73 | $ 13,513,000 | $ 185,000 | $ 90,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 69 | $ 12,961,000 | $ 187,000 | $ 77,000 |
| ODESSA, TX | 66 | $ 8,797,000 | $ 133,000 | $ 76,000 |
| ORLANDO-KISSIMMEE, FL | 63 | $ 10,493,000 | $ 166,000 | $ 80,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 48 | $ 5,822,000 | $ 121,000 | $ 56,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 38 | $ 6,044,000 | $ 159,000 | $ 64,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 32 | $ 8,829,000 | $ 275,000 | $ 111,000 |
| ABILENE, TX | 31 | $ 3,151,000 | $ 101,000 | $ 59,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 28 | $ 5,023,000 | $ 179,000 | $ 75,000 |
| JACKSONVILLE, FL | 27 | $ 3,379,000 | $ 125,000 | $ 79,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 26 | $ 5,921,000 | $ 227,000 | $ 85,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 26 | $ 4,849,000 | $ 186,000 | $ 90,000 |
| COLLEGE STATION-BRYAN, TX | 24 | $ 2,955,000 | $ 123,000 | $ 116,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 24 | $ 5,207,000 | $ 216,000 | $ 89,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 23 | $ 4,688,000 | $ 203,000 | $ 198,000 |
| DALLAS-PLANO-IRVING, TX | 19 | $ 2,814,000 | $ 148,000 | $ 119,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 19 | $ 2,941,000 | $ 154,000 | $ 75,000 |
| LAS VEGAS-PARADISE, NV | 19 | $ 3,317,000 | $ 174,000 | $ 87,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 19 | $ 4,145,000 | $ 208,000 | $ 84,000 |
| DENVER-AURORA, CO | 18 | $ 3,714,000 | $ 206,000 | $ 72,000 |
| CAPE CORAL-FORT MYERS, FL | 15 | $ 1,811,000 | $ 120,000 | $ 65,000 |
| LAKELAND, FL | 15 | $ 2,118,000 | $ 141,000 | $ 71,000 |
| FORT WORTH-ARLINGTON, TX | 14 | $ 2,002,000 | $ 143,000 | $ 88,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 12 | $ 2,148,000 | $ 179,000 | $ 88,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 10 | $ 3,048,000 | $ 304,000 | $ 107,000 |
| TYLER, TX | 10 | $ 1,230,000 | $ 123,000 | $ 72,000 |
| POCATELLO, ID | 9 | $ 997,000 | $ 110,000 | $ 55,000 |
| TACOMA, WA | 9 | $ 1,721,000 | $ 191,000 | $ 74,000 |
| BEAUMONT-PORT ARTHUR, TX | 8 | $ 699,000 | $ 87,000 | $ 69,000 |
| BOISE CITY-NAMPA, ID | 8 | $ 1,671,000 | $ 208,000 | $ 74,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 8 | $ 2,525,000 | $ 315,000 | $ 104,000 |
| AUSTIN-ROUND ROCK, TX | 7 | $ 1,187,000 | $ 169,000 | $ 200,000 |
| BAKERSFIELD, CA | 7 | $ 745,000 | $ 106,000 | $ 47,000 |
| NAPLES-MARCO ISLAND, FL | 7 | $ 1,329,000 | $ 189,000 | $ 141,000 |
| PORT ST. LUCIE, FL | 7 | $ 879,000 | $ 125,000 | $ 53,000 |
| SAN ANTONIO, TX | 7 | $ 1,303,000 | $ 186,000 | $ 254,000 |
| FRESNO, CA | 6 | $ 773,000 | $ 128,000 | $ 74,000 |
| OCALA, FL | 6 | $ 700,000 | $ 116,000 | $ 49,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 5 | $ 1,775,000 | $ 355,000 | $ 136,000 |
| SARASOTA-BRADENTON-VENICE, FL | 5 | $ 1,021,000 | $ 204,000 | $ 79,000 |
| TUCSON, AZ | 5 | $ 718,000 | $ 143,000 | $ 54,000 |
| GAINESVILLE, FL | 4 | $ 307,000 | $ 76,000 | $ 52,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 4 | $ 591,000 | $ 147,000 | $ 90,000 |
| PANAMA CITY-LYNN HAVEN, FL | 4 | $ 413,000 | $ 103,000 | $ 53,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 4 | $ 347,000 | $ 86,000 | $ 36,000 |
| PUNTA GORDA, FL | 4 | $ 325,000 | $ 81,000 | $ 82,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 4 | $ 1,149,000 | $ 287,000 | $ 142,000 |
| SANTA ROSA-PETALUMA, CA | 4 | $ 905,000 | $ 226,000 | $ 92,000 |
| VISALIA-PORTERVILLE, CA | 4 | $ 464,000 | $ 116,000 | $ 54,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 686,000 | $ 228,000 | $ 69,000 |
| COLORADO SPRINGS, CO | 3 | $ 955,000 | $ 318,000 | $ 237,000 |
| FORT COLLINS-LOVELAND, CO | 3 | $ 894,000 | $ 298,000 | $ 126,000 |
| SALT LAKE CITY, UT | 3 | $ 1,262,000 | $ 420,000 | $ 222,000 |
| TALLAHASSEE, FL | 3 | $ 340,000 | $ 113,000 | $ 71,000 |
| BOULDER, CO | 2 | $ 422,000 | $ 211,000 | $ 81,000 |
| BROWNSVILLE-HARLINGEN, TX | 2 | $ 288,000 | $ 144,000 | $ 204,000 |
| CORPUS CHRISTI, TX | 2 | $ 592,000 | $ 296,000 | $ 114,000 |
| EL CENTRO, CA | 2 | $ 278,000 | $ 139,000 | $ 75,000 |
| MODESTO, CA | 2 | $ 601,000 | $ 300,000 | $ 100,000 |
| OKLAHOMA CITY, OK | 2 | $ 440,000 | $ 220,000 | $ 84,000 |
| OLYMPIA, WA | 2 | $ 485,000 | $ 242,000 | $ 129,000 |
| PALM COAST, FL | 2 | $ 235,000 | $ 117,000 | $ 75,000 |
| PRESCOTT, AZ | 2 | $ 335,000 | $ 167,000 | $ 63,000 |
| RENO-SPARKS, NV | 2 | $ 349,000 | $ 174,000 | $ 86,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 2 | $ 689,000 | $ 344,000 | $ 178,000 |
| BELLINGHAM, WA | 1 | $ 315,000 | $ 315,000 | $ 153,000 |
| CHICO, CA | 1 | $ 100,000 | $ 100,000 | $ 28,000 |
| FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 1 | $ 107,000 | $ 107,000 | $ 51,000 |
| LAREDO, TX | 1 | $ 108,000 | $ 108,000 | $ 280,000 |
| MADERA, CA | 1 | $ 148,000 | $ 148,000 | $ 228,000 |
| MERCED, CA | 1 | $ 130,000 | $ 130,000 | $ 29,000 |
| OGDEN-CLEARFIELD, UT | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| REDDING, CA | 1 | $ 141,000 | $ 141,000 | $ 104,000 |
| SALEM, OR | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 1 | $ 450,000 | $ 450,000 | $ 130,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 1 | $ 170,000 | $ 170,000 | $ 54,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 98,000 | $ 98,000 | $ 78,000 |
| SPOKANE, WA | 1 | $ 163,000 | $ 163,000 | $ 176,000 |
| STOCKTON, CA | 1 | $ 176,000 | $ 176,000 | $ 96,000 |
| TULSA, OK | 1 | $ 700,000 | $ 700,000 | $ 586,000 |
| YAKIMA, WA | 1 | $ 111,000 | $ 111,000 | $ 31,000 |
| YUMA, AZ | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
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.
For a list of all lenders in New Mexico, download the full spreadsheet
with aggregated HMDA statistics today.