Charles Schwab Bank Ssb Mortgage Rates, Fees & Info

West lake Hills, TX

LEI: 549300INFJ8TYNZ1G568

Tax ID: 42-1558009

5 stars - out of 5 stars, based on 112 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Charles Schwab Bank Ssb is a large bank specializing in Refi loans. Charles Schwab Bank Ssb has a high proportion of conventional loans. Their top markets include San Francisco, Los Angeles, San Jose, San Diego, and New York among others. Charles Schwab Bank Ssb has an above average approval rate for mortages when compared nationally. They have an above average pick rate when compared to the same sample of other lendors. Charles Schwab Bank Ssb is typically an average fee lendor.


Originations

12,468

Origination Dollar Volume (All Markets)

$11,449,410,000

Employee count

846 Show all (98) awards

Relative Rate

Charles Schwab Bank Ssb's average 30 year fixed rate mortgage of loans were 2.37%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.78%.

Relative Fees

Charles Schwab Bank Ssb's average total fees for a 30 year fixed rate mortgage are $4,072.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1,890 $1,986,890,000 $1,051,265 $3,886 2.38%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,381 $1,586,515,000 $1,148,816 $3,801 2.36%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 779 $852,395,000 $1,094,217 $3,404 2.28%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 521 $506,885,000 $972,908 $3,190 2.36%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 517 $496,495,000 $960,338 $4,998 2.32%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 416 $430,490,000 $1,034,832 $3,914 2.29%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 314 $272,600,000 $868,153 $4,253 2.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 336 $259,800,000 $773,214 $3,700 2.39%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 286 $257,460,000 $900,210 $6,443 2.41%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 331 $237,665,000 $718,021 $3,338 2.25%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 291 $226,415,000 $778,058 $3,870 2.45%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 243 $213,845,000 $880,021 $3,998 2.29%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 219 $210,495,000 $961,164 $4,552 2.31%
Outside of Metro Areas 181 $153,055,000 $845,608 $4,173 2.35%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 204 $151,170,000 $741,029 $4,012 2.49%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 127 $141,465,000 $1,113,898 $4,290 2.46%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 143 $140,545,000 $982,832 $5,591 2.36%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 156 $118,400,000 $758,974 $3,407 2.42%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 150 $114,610,000 $764,067 $3,633 2.35%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 120 $106,400,000 $886,667 $6,260 2.39%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 106 $102,280,000 $964,906 $5,210 2.41%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 116 $99,000,000 $853,448 $4,782 2.34%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 117 $81,825,000 $699,359 $3,877 2.45%
Heber, UT (FHA|USDA|VA) 57 $81,205,000 $1,424,649 $5,847 2.24%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 107 $79,765,000 $745,467 $3,468 2.38%
BOULDER, CO (FHA|USDA|VA) 92 $79,600,000 $865,217 $4,030 2.41%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 97 $79,575,000 $820,361 $6,151 2.44%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 107 $78,235,000 $731,168 $3,532 2.27%
RENO, NV (FHA|USDA|VA) 89 $76,185,000 $856,011 $5,008 2.34%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 119 $76,085,000 $639,370 $6,267 2.33%
SALINAS, CA (FHA|USDA|VA) 69 $68,685,000 $995,435 $3,808 2.42%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 87 $64,775,000 $744,540 $3,693 2.33%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 83 $59,365,000 $715,241 $4,128 2.34%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 61 $58,325,000 $956,148 $3,713 2.46%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 66 $55,520,000 $841,212 $5,268 2.29%
Glenwood Springs, CO (FHA|USDA|VA) 22 $52,520,000 $2,387,273 $6,783 2.30%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 53 $50,175,000 $946,698 $3,492 2.40%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 74 $49,490,000 $668,784 $4,661 2.33%
Edwards, CO (FHA|USDA|VA) 45 $48,165,000 $1,070,333 $4,730 2.18%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 58 $47,880,000 $825,517 $5,215 2.34%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 58 $46,010,000 $793,276 $3,760 2.40%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 59 $45,895,000 $777,881 $3,689 2.53%
ST. LOUIS, MO-IL (FHA|USDA|VA) 52 $36,170,000 $695,577 $2,517 2.27%
URBAN HONOLULU, HI (FHA|USDA|VA) 30 $35,850,000 $1,195,000 $5,457 2.30%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 29 $35,195,000 $1,213,621 $7,260 2.36%
Jackson, WY-ID (FHA|USDA|VA) 22 $33,040,000 $1,501,818 $6,049 2.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 36 $33,000,000 $916,667 $4,047 2.32%
JACKSONVILLE, FL (FHA|USDA|VA) 45 $31,745,000 $705,444 $3,712 2.32%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 39 $30,715,000 $787,564 $3,422 2.47%
OCEAN CITY, NJ (FHA|USDA|VA) 30 $30,700,000 $1,023,333 $4,373 2.37%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 43 $28,355,000 $659,419 $4,060 2.42%
SALT LAKE CITY, UT (FHA|USDA|VA) 36 $27,050,000 $751,389 $3,886 2.34%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 39 $27,035,000 $693,205 $5,083 2.35%
Gardnerville Ranchos, NV (FHA|USDA|VA) 23 $26,815,000 $1,165,870 $4,006 2.47%
Breckenridge, CO (FHA|USDA|VA) 29 $26,205,000 $903,621 $4,129 2.15%
Truckee-Grass Valley, CA (FHA|USDA|VA) 39 $25,645,000 $657,564 $3,092 2.47%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 39 $24,485,000 $627,821 $3,046 2.43%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 27 $23,265,000 $861,667 $3,966 2.41%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 42 $23,070,000 $549,286 $3,318 2.37%
SALISBURY, MD-DE (FHA|USDA|VA) 31 $22,675,000 $731,452 $5,202 2.49%
ASHEVILLE, NC (FHA|USDA|VA) 33 $22,065,000 $668,636 $3,246 2.48%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 19 $22,015,000 $1,158,684 $8,213 2.22%
BEND, OR (FHA|USDA|VA) 32 $21,810,000 $681,563 $4,876 2.53%
BOISE CITY, ID (FHA|USDA|VA) 33 $21,525,000 $652,273 $3,912 2.40%
Hailey, ID (FHA|USDA|VA) 25 $20,955,000 $838,200 $4,131 2.52%
Key West, FL (FHA|USDA|VA) 19 $20,325,000 $1,069,737 $6,629 2.34%
PORT ST. LUCIE, FL (FHA|USDA|VA) 24 $19,590,000 $816,250 $4,938 2.47%
SANTA FE, NM (FHA|USDA|VA) 23 $19,405,000 $843,696 $5,190 2.49%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 24 $18,570,000 $773,750 $3,942 2.45%
COLUMBUS, OH (FHA|USDA|VA) 31 $18,045,000 $582,097 $4,035 2.42%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 29 $17,855,000 $615,690 $2,580 2.37%
RALEIGH-CARY, NC (FHA|USDA|VA) 29 $17,605,000 $607,069 $3,673 2.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 22 $16,820,000 $764,545 $4,514 2.68%
Bozeman, MT (FHA|USDA|VA) 23 $16,765,000 $728,913 $5,261 2.49%
NAPA, CA (FHA|USDA|VA) 24 $16,110,000 $671,250 $2,681 2.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 24 $15,930,000 $663,750 $4,360 2.56%
TUCSON, AZ (FHA|USDA|VA) 30 $15,540,000 $518,000 $3,494 2.52%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 24 $15,010,000 $625,417 $4,261 2.36%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 17 $14,765,000 $868,529 $5,443 2.40%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 25 $14,375,000 $575,000 $4,284 2.34%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 25 $14,225,000 $569,000 $3,462 2.29%
Steamboat Springs, CO (FHA|USDA|VA) 14 $13,900,000 $992,857 $3,157 2.44%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 17 $13,545,000 $796,765 $3,483 2.63%
Hilo, HI (FHA|USDA|VA) 12 $11,740,000 $978,333 $7,003 2.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 22 $11,700,000 $531,818 $4,658 2.42%
Torrington, CT (FHA|USDA|VA) 12 $11,100,000 $925,000 $4,462 2.31%
RICHMOND, VA (FHA|USDA|VA) 15 $10,745,000 $716,333 $4,847 2.40%
COLORADO SPRINGS, CO (FHA|USDA|VA) 18 $10,330,000 $573,889 $3,795 2.33%
BRUNSWICK, GA (FHA|USDA|VA) 7 $10,265,000 $1,466,429 $6,243 2.41%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 16 $9,850,000 $615,625 $2,240 2.31%
PITTSBURGH, PA (FHA|USDA|VA) 15 $9,655,000 $643,667 $5,945 2.24%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 19 $9,565,000 $503,421 $3,123 2.35%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $9,515,000 $1,057,222 $3,434 2.23%
ANN ARBOR, MI (FHA|USDA|VA) 14 $9,180,000 $655,714 $4,844 2.41%
Kalispell, MT (FHA|USDA|VA) 8 $8,510,000 $1,063,750 $5,622 2.53%
Traverse City, MI (FHA|USDA|VA) 13 $8,475,000 $651,923 $3,037 2.37%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 11 $7,915,000 $719,545 $4,070 2.41%
VALLEJO, CA (FHA|USDA|VA) 13 $7,875,000 $605,769 $3,896 2.61%
FORT COLLINS, CO (FHA|USDA|VA) 14 $7,760,000 $554,286 $3,031 2.32%
WENATCHEE, WA (FHA|USDA|VA) 9 $7,625,000 $847,222 $3,861 2.27%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 15 $7,585,000 $505,667 $4,014 2.36%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $7,355,000 $668,636 $2,807 2.75%
BELLINGHAM, WA (FHA|USDA|VA) 9 $7,215,000 $801,667 $3,595 2.62%
KANSAS CITY, MO-KS (FHA|USDA|VA) 11 $7,145,000 $649,545 $2,907 2.18%
Kapaa, HI (FHA|USDA|VA) 5 $6,965,000 $1,393,000 $8,213 2.28%
Cullowhee, NC (FHA|USDA|VA) 7 $6,685,000 $955,000 $4,121 2.38%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 7 $6,645,000 $949,286 $2,835 2.28%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 9 $6,535,000 $726,111 $4,169 2.63%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 13 $6,445,000 $495,769 $3,390 2.35%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 13 $6,405,000 $492,692 $3,542 2.69%
WILMINGTON, NC (FHA|USDA|VA) 10 $6,150,000 $615,000 $3,204 2.78%
SAVANNAH, GA (FHA|USDA|VA) 11 $5,955,000 $541,364 $3,404 2.28%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 7 $5,915,000 $845,000 $5,697 2.32%
Vineyard Haven, MA (FHA|USDA|VA) 7 $5,905,000 $843,571 $3,415 2.17%
MISSOULA, MT (FHA|USDA|VA) 9 $5,865,000 $651,667 $4,440 2.39%
Lebanon, NH-VT (FHA|USDA|VA) 7 $5,845,000 $835,000 $3,462 2.32%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 9 $5,765,000 $640,556 $3,577 2.39%
Easton, MD (FHA|USDA|VA) 7 $5,575,000 $796,429 $3,248 2.06%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 8 $5,550,000 $693,750 $4,695 2.36%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $5,320,000 $886,667 $6,214 2.68%
Whitewater, WI (FHA|USDA|VA) 7 $5,305,000 $757,857 $3,754 2.46%
Oak Harbor, WA (FHA|USDA|VA) 8 $5,290,000 $661,250 $3,340 2.57%
BATON ROUGE, LA (FHA|USDA|VA) 7 $5,185,000 $740,714 $6,265 2.57%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 8 $5,060,000 $632,500 $4,691 2.28%
MEDFORD, OR (FHA|USDA|VA) 8 $5,000,000 $625,000 $6,144 2.51%
Outside of Metro Areas 7 $4,865,000 $695,000 $5,946 2.53%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 8 $4,790,000 $598,750 $3,431 2.35%
Ellensburg, WA (FHA|USDA|VA) 7 $4,775,000 $682,143 $3,059 2.36%
PITTSFIELD, MA (FHA|USDA|VA) 7 $4,765,000 $680,714 $5,060 2.21%
WINSTON-SALEM, NC (FHA|USDA|VA) 7 $4,665,000 $666,429 $2,969 2.86%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $4,620,000 $577,500 $4,503 2.43%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 8 $4,590,000 $573,750 $4,538 2.29%
ROANOKE, VA (FHA|USDA|VA) 5 $4,445,000 $889,000 $4,570 2.69%
Durango, CO (FHA|USDA|VA) 7 $4,225,000 $603,571 $2,899 2.66%
Boone, NC (FHA|USDA|VA) 6 $4,200,000 $700,000 $3,968 2.23%
Ukiah, CA (FHA|USDA|VA) 3 $4,125,000 $1,375,000 $4,367 2.24%
Laconia, NH (FHA|USDA|VA) 7 $4,035,000 $576,429 $2,917 2.49%
Georgetown, SC (FHA|USDA|VA) 6 $3,940,000 $656,667 $3,802 2.28%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 5 $3,745,000 $749,000 $3,872 2.28%
GAINESVILLE, GA (FHA|USDA|VA) 5 $3,725,000 $745,000 $3,678 2.49%
WORCESTER, MA-CT (FHA|USDA|VA) 6 $3,690,000 $615,000 $3,507 2.21%
GLENS FALLS, NY (FHA|USDA|VA) 4 $3,530,000 $882,500 $5,220 2.68%
PROVO-OREM, UT (FHA|USDA|VA) 5 $3,525,000 $705,000 $4,229 2.43%
PANAMA CITY, FL (FHA|USDA|VA) 3 $3,495,000 $1,165,000 $8,288 2.58%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 7 $3,475,000 $496,429 $3,429 2.20%
FRESNO, CA (FHA|USDA|VA) 8 $3,420,000 $427,500 $2,176 2.32%
ROCHESTER, NY (FHA|USDA|VA) 7 $3,345,000 $477,857 $4,641 2.31%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $3,320,000 $553,333 $3,373 2.02%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 4 $3,260,000 $815,000 $10,705 2.15%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 4 $3,250,000 $812,500 $3,650 2.18%
PUNTA GORDA, FL (FHA|USDA|VA) 8 $3,180,000 $397,500 $3,835 2.34%
OKLAHOMA CITY, OK (FHA|USDA|VA) 7 $2,995,000 $427,857 $3,744 2.28%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 3 $2,965,000 $988,333 $5,357 2.56%
Morehead City, NC (FHA|USDA|VA) 4 $2,960,000 $740,000 $2,314 2.34%
Kill Devil Hills, NC (FHA|USDA|VA) 5 $2,945,000 $589,000 $5,192 2.23%
Brainerd, MN (FHA|USDA|VA) 5 $2,875,000 $575,000 $3,842 2.00%
GREELEY, CO (FHA|USDA|VA) 7 $2,845,000 $406,429 $3,664 2.59%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $2,810,000 $468,333 $3,124 2.53%
MADISON, WI (FHA|USDA|VA) 7 $2,785,000 $397,857 $2,625 2.26%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 4 $2,740,000 $685,000 $4,111 2.48%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $2,675,000 $535,000 $5,071 1.98%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 3 $2,535,000 $845,000 $2,244 1.87%
Brevard, NC (FHA|USDA|VA) 5 $2,515,000 $503,000 $2,671 2.51%
Adrian, MI (FHA|USDA|VA) 4 $2,500,000 $625,000 $3,424 2.44%
Concord, NH (FHA|USDA|VA) 2 $2,350,000 $1,175,000 $5,259 2.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 4 $2,300,000 $575,000 $6,867 2.81%
JACKSON, MS (FHA|USDA|VA) 4 $2,300,000 $575,000 $3,585 2.69%
KINGSTON, NY (FHA|USDA|VA) 2 $2,280,000 $1,140,000 $6,561 2.44%
Seneca, SC (FHA|USDA|VA) 3 $2,255,000 $751,667 $2,678 2.54%
ST. GEORGE, UT (FHA|USDA|VA) 6 $2,250,000 $375,000 $3,727 2.48%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $2,235,000 $447,000 $2,612 2.20%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $2,210,000 $552,500 $1,892 2.66%
COLUMBIA, MO (FHA|USDA|VA) 3 $2,185,000 $728,333 $2,526 2.22%
Montrose, CO (FHA|USDA|VA) 4 $2,080,000 $520,000 $3,353 2.37%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $2,080,000 $346,667 $3,596 2.29%
MONTGOMERY, AL (FHA|USDA|VA) 3 $2,015,000 $671,667 $2,814 2.38%
THE VILLAGES, FL (FHA|USDA|VA) 4 $1,900,000 $475,000 $1,842 2.36%
MODESTO, CA (FHA|USDA|VA) 3 $1,875,000 $625,000 $4,379 2.78%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 3 $1,845,000 $615,000 $3,390 1.95%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 3 $1,825,000 $608,333 $3,460 2.13%
Hudson, NY (FHA|USDA|VA) 2 $1,690,000 $845,000 $6,831 2.44%
TULSA, OK (FHA|USDA|VA) 3 $1,595,000 $531,667 $3,804 2.33%
MORRISTOWN, TN (FHA|USDA|VA) 2 $1,590,000 $795,000 $4,159 2.25%
STOCKTON, CA (FHA|USDA|VA) 4 $1,480,000 $370,000 $3,093 2.16%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,470,000 $367,500 $2,947 2.41%
Sheridan, WY (FHA|USDA|VA) 2 $1,450,000 $725,000 $8,783 2.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $1,440,000 $720,000 $5,992 2.36%
WICHITA, KS (FHA|USDA|VA) 3 $1,405,000 $468,333 $3,822 2.03%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $1,390,000 $695,000 $5,612 2.31%
NILES, MI (FHA|USDA|VA) 3 $1,385,000 $461,667 $3,770 2.49%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $1,380,000 $690,000 $7,218 2.19%
Taos, NM (FHA|USDA|VA) 3 $1,365,000 $455,000 $4,938 2.46%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 3 $1,275,000 $425,000 $3,192 1.93%
GRANTS PASS, OR (FHA|USDA|VA) 2 $1,260,000 $630,000 $4,587 2.91%
Rexburg, ID (FHA|USDA|VA) 1 $1,235,000 $1,235,000 $8,647 2.50%
Paragould, AR (FHA|USDA|VA) 1 $1,225,000 $1,225,000 $3,677 2.23%
KNOXVILLE, TN (FHA|USDA|VA) 3 $1,225,000 $408,333 $3,091 2.33%
FLAGSTAFF, AZ (FHA|USDA|VA) 3 $1,225,000 $408,333 $1,970 2.75%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $1,220,000 $610,000 $1,284 2.43%
Payson, AZ (FHA|USDA|VA) 2 $1,210,000 $605,000 $4,416 2.19%
MOBILE, AL (FHA|USDA|VA) 3 $1,205,000 $401,667 $2,415 2.12%
NEW BERN, NC (FHA|USDA|VA) 2 $1,120,000 $560,000 $2,832 2.61%
Red Wing, MN (FHA|USDA|VA) 2 $1,100,000 $550,000 $4,558 2.35%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $1,095,000 $1,095,000 $3,089 1.75%
Ruidoso, NM (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,200 2.30%
Coos Bay, OR (FHA|USDA|VA) 1 $1,025,000 $1,025,000 $297 1.80%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $1,005,000 $335,000 $1,952 2.08%
SPRINGFIELD, MO (FHA|USDA|VA) 2 $1,000,000 $500,000 $3,199 2.09%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $975,000 $975,000 $11,118 2.38%
Hood River, OR (FHA|USDA|VA) 2 $960,000 $480,000 $4,232 1.91%
PEORIA, IL (FHA|USDA|VA) 1 $955,000 $955,000 $139 1.75%
UTICA-ROME, NY (FHA|USDA|VA) 1 $955,000 $955,000 $7,990 3.00%
OCALA, FL (FHA|USDA|VA) 3 $945,000 $315,000 $5,923 2.17%
LAFAYETTE, LA (FHA|USDA|VA) 1 $945,000 $945,000 $6,205 2.50%
COLUMBIA, SC (FHA|USDA|VA) 3 $925,000 $308,333 $3,611 2.13%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $910,000 $455,000 $1,347 2.81%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $905,000 $301,667 $3,043 2.16%
SALEM, OR (FHA|USDA|VA) 2 $900,000 $450,000 $3,968 2.25%
LANCASTER, PA (FHA|USDA|VA) 2 $900,000 $450,000 $5,449 2.06%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $895,000 $895,000 $4,148 2.63%
St. Marys, GA (FHA|USDA|VA) 1 $885,000 $885,000 $5,347 1.88%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $815,000 $815,000 $2,769 2.25%
Port Angeles, WA (FHA|USDA|VA) 1 $815,000 $815,000 $2,708 2.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $810,000 $405,000 $2,602 2.36%
Show Low, AZ (FHA|USDA|VA) 4 $800,000 $200,000 $4,459 2.96%
CORVALLIS, OR (FHA|USDA|VA) 3 $785,000 $261,667 $4,104 2.67%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $780,000 $390,000 $2,831 2.88%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $775,000 $775,000 $6,255 2.60%
MORGANTOWN, WV (FHA|USDA|VA) 1 $775,000 $775,000 $5,497 2.50%
Bennington, VT (FHA|USDA|VA) 1 $765,000 $765,000 $2,197 3.13%
MIDLAND, MI (FHA|USDA|VA) 1 $765,000 $765,000 $4,795 1.38%
Alexandria, MN (FHA|USDA|VA) 1 $755,000 $755,000 $5,317 2.23%
Astoria, OR (FHA|USDA|VA) 1 $735,000 $735,000 $0 2.93%
JACKSON, MI (FHA|USDA|VA) 1 $735,000 $735,000 $3,799 2.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $725,000 $725,000 $1,646 2.88%
Granbury, TX (FHA|USDA|VA) 1 $725,000 $725,000 $7,636 2.88%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $720,000 $360,000 $3,088 1.84%
Shelton, WA (FHA|USDA|VA) 2 $720,000 $360,000 $2,752 2.09%
Aberdeen, WA (FHA|USDA|VA) 1 $715,000 $715,000 $5,199 2.13%
LAS CRUCES, NM (FHA|USDA|VA) 2 $700,000 $350,000 $3,632 2.14%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $670,000 $335,000 $4,055 2.14%
CaƱon City, CO (FHA|USDA|VA) 1 $665,000 $665,000 $3,640 1.75%
Prineville, OR (FHA|USDA|VA) 1 $655,000 $655,000 $1,482 2.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $655,000 $655,000 $3,791 3.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $650,000 $325,000 $4,366 2.24%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $640,000 $320,000 $3,835 2.00%
CHICO, CA (FHA|USDA|VA) 1 $635,000 $635,000 $2,715 1.75%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $630,000 $315,000 $8,610 2.49%
ROCHESTER, MN (FHA|USDA|VA) 2 $630,000 $315,000 $2,844 2.06%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $625,000 $625,000 $6,579 3.63%
Marion, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,156 2.44%
Milledgeville, GA (FHA|USDA|VA) 1 $605,000 $605,000 $4,036 2.75%
MADERA, CA (FHA|USDA|VA) 1 $605,000 $605,000 $3,300 3.25%
DOVER, DE (FHA|USDA|VA) 1 $605,000 $605,000 $14,084 2.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $585,000 $585,000 $4,203 2.43%
REDDING, CA (FHA|USDA|VA) 2 $560,000 $280,000 $1,983 2.03%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $550,000 $275,000 $2,920 2.45%
FLORENCE, SC (FHA|USDA|VA) 1 $545,000 $545,000 $24,726 1.50%
Albertville, AL (FHA|USDA|VA) 1 $545,000 $545,000 $2,947 2.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $545,000 $545,000 $5,807 2.25%
ANCHORAGE, AK (FHA|USDA|VA) 2 $530,000 $265,000 $3,191 2.13%
Athens, TX (FHA|USDA|VA) 1 $525,000 $525,000 $2,462 2.13%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $520,000 $260,000 $2,091 2.21%
FORT WAYNE, IN (FHA|USDA|VA) 2 $520,000 $260,000 $3,136 2.38%
CARSON CITY, NV (FHA|USDA|VA) 1 $515,000 $515,000 $2,661 2.55%
Greenwood, SC (FHA|USDA|VA) 1 $505,000 $505,000 $3,805 1.88%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $500,000 $250,000 $2,015 2.28%
Warrensburg, MO (FHA|USDA|VA) 1 $485,000 $485,000 $941 2.25%
SPARTANBURG, SC (FHA|USDA|VA) 1 $475,000 $475,000 $4,441 1.48%
Oneonta, NY (FHA|USDA|VA) 1 $455,000 $455,000 $5,945 2.13%
Jefferson, GA (FHA|USDA|VA) 1 $455,000 $455,000 $4,420 2.60%
DeRidder, LA (FHA|USDA|VA) 1 $455,000 $455,000 $3,572 2.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $455,000 $455,000 $0 3.00%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $420,000 $210,000 $3,321 2.31%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $405,000 $405,000 $8,480 2.63%
LONGVIEW, WA (FHA|USDA|VA) 1 $405,000 $405,000 $2,729 2.25%
Cullman, AL (FHA|USDA|VA) 1 $385,000 $385,000 $2,708 2.25%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $3,408 2.38%
Houghton, MI (FHA|USDA|VA) 1 $375,000 $375,000 $2,910 1.85%
Newberry, SC (FHA|USDA|VA) 1 $375,000 $375,000 $2,651 2.68%
ROCKFORD, IL (FHA|USDA|VA) 2 $370,000 $185,000 $2,480 2.43%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $365,000 $365,000 $2,774 1.75%
RACINE, WI (FHA|USDA|VA) 2 $360,000 $180,000 $2,090 2.78%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $325,000 $325,000 $3,428 1.75%
Greeneville, TN (FHA|USDA|VA) 1 $315,000 $315,000 $2,767 2.13%
Clearlake, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.63%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $285,000 $285,000 $5,546 1.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $285,000 $285,000 $606 2.50%
Barre, VT (FHA|USDA|VA) 1 $275,000 $275,000 $868 3.00%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $265,000 $265,000 $2,419 1.98%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.00%
APPLETON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $2,416 3.13%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $245,000 $245,000 $2,726 2.30%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $245,000 $245,000 $2,837 2.80%
Oxford, MS (FHA|USDA|VA) 1 $215,000 $215,000 $2,574 1.98%
AKRON, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,665 2.10%
GREEN BAY, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,401 2.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $205,000 $205,000 $2,558 2.25%
JOPLIN, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,626 2.13%
VISALIA, CA (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.75%
MUNCIE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,583 2.43%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,677 1.48%
DULUTH, MN-WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,858 2.23%
Sanford, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,436 2.10%

Charles Schwab Bank Ssb's top markets include San Francisco, Los Angeles, San Jose, San Diego, and New York among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 12,468 $11,449,410,000 $918,304 $4,114 2.36%

For the 2021 period, Charles Schwab Bank Ssb's most frequently originated loan type of loans were Conventional, with 12,468 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 7,230 $6,609,580,000 $914,188 $3,408 2.30%
Home Purchase 2,233 $2,224,475,000 $996,182 $6,351 2.40%
Cash Out Refi 2,157 $1,843,995,000 $854,889 $4,068 2.57%
Other 596 $584,880,000 $981,342 $4,622 2.27%
Home Improvement 252 $186,480,000 $740,000 $4,103 2.27%

For the 2021, Charles Schwab Bank Ssb's most frequently cited loan purpose of loans were Refi, with 7,230 originations. The 2nd most popular reason of loans were Home Purchase, with 2,233 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 11,690 $10,623,630,000 $908,779 $4,072 2.37%
15 Year 778 $825,780,000 $1,061,414 $4,697 2.31%

For the 2021, Charles Schwab Bank Ssb's most frequently cited loan length of loans were 30 Year, with 11,690 originations. The 2nd most popular length of loans were 15 Year, with 778 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 10,002 $9,710,170,000 $970,823
$5k+ 370 $448,340,000 $1,211,730
$1k-2k 308 $184,630,000 $599,448
$3k-4k 260 $237,250,000 $912,500
$2k-3k 201 $136,125,000 $677,239

$4,072 of loans were Charles Schwab Bank Ssb's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 10,002 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
<2.5% 8,350 $7,932,930,000 $950,051
2.5-3% 3,502 $2,969,980,000 $848,081
3-4% 609 $545,225,000 $895,279
4-5% 7 $1,275,000 $182,143

During 2021, Charles Schwab Bank Ssb's average interest rate of loans were 2.37%, while their most frequently originated rate bucket of loans were <2.5%, with 8,350 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$600k-1MM 4,799 $3,866,465,000 $805,681 $3,718 2.40%
$1MM+ 3,972 $6,229,120,000 $1,568,258 $5,370 2.33%
$400k-600k 1,622 $815,060,000 $502,503 $3,251 2.27%
$200k-400k 1,615 $474,485,000 $293,799 $2,869 2.35%
$100k-200k 398 $59,570,000 $149,673 $2,956 2.65%
$100,000 or less 62 $4,710,000 $75,968 $2,460 2.94%

2021 saw Charles Schwab Bank Ssb place emphasis on $600k-1MM loans with 4,799 originations, totaling $3,866,465,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$250k+ 7,433 $8,268,575,000 $1,112,414 $4,517 2.34%
$150k-250k 2,907 $2,148,295,000 $739,008 $3,721 2.43%
$100k-150k 1,175 $592,475,000 $504,234 $3,354 2.38%
$75k-100k 437 $176,775,000 $404,519 $2,937 2.34%
$50k-75k 295 $102,185,000 $346,390 $2,972 2.34%
$50k or less 220 $159,900,000 $726,818 $4,101 2.37%

Charles Schwab Bank Ssb lent most frequently to those with incomes in the $250k+ range, with 7,433 originations. The second most popular income band? $150k-250k, with 2,907 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,441 $2,182,505,000 $894,103 $3,929 2.36%
30-36% 1,878 $1,725,830,000 $918,972 $3,992 2.37%
<20% 1,646 $1,493,540,000 $907,375 $4,184 2.29%
>60% 679 $730,675,000 $1,076,105 $4,511 2.28%
50-60% 665 $635,525,000 $955,677 $4,290 2.32%
42% 553 $496,685,000 $898,165 $4,095 2.45%
41% 466 $425,290,000 $912,639 $3,888 2.46%
40% 432 $395,770,000 $916,134 $4,249 2.42%
37% 423 $407,845,000 $964,173 $3,925 2.39%
39% 398 $342,550,000 $860,678 $3,702 2.39%
36% 393 $345,465,000 $879,046 $4,177 2.43%
38% 387 $363,005,000 $937,997 $4,406 2.34%
44% 362 $318,460,000 $879,724 $3,804 2.41%
49% 354 $329,340,000 $930,339 $4,438 2.40%
43% 307 $276,695,000 $901,287 $4,866 2.38%
48% 285 $260,725,000 $914,825 $4,440 2.40%
45% 284 $248,970,000 $876,655 $3,853 2.39%
46% 263 $244,045,000 $927,928 $4,104 2.36%
47% 252 $226,490,000 $898,770 $4,383 2.40%

Charles Schwab Bank Ssb lent most frequently to those with DTI ratios of 20-30%, with 2,441 originations. The next most common DTI ratio? 30-36%, with 1,878 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not provided 5,730 $5,470,580,000 $954,726 $4,334 2.35%
White 5,804 $5,036,490,000 $867,762 $3,942 2.39%
Asian 705 $731,185,000 $1,037,142 $3,847 2.26%
Asian Indian 97 $94,365,000 $972,835 $3,155 2.33%
Chinese 42 $44,230,000 $1,053,095 $3,756 2.19%
Black 43 $30,295,000 $704,535 $5,324 2.44%
Other Asian 13 $13,905,000 $1,069,615 $4,234 2.37%
American Indian 14 $11,920,000 $851,429 $3,127 2.48%
Korean 6 $5,230,000 $871,667 $3,067 2.20%
Japanese 7 $4,695,000 $670,714 $2,421 2.44%
Filipino 3 $2,675,000 $891,667 $3,218 2.54%
Native Hawaiian 3 $2,585,000 $861,667 $5,449 2.42%
Other Pacific Islander 1 $1,255,000 $1,255,000 $12,959 3.50%

Approval Rates

Total approvals of all applications
96.96%

Charles Schwab Bank Ssb has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
98.30%

Charles Schwab Bank Ssb has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

Points and Fees

Points Originations Total Value Average Loan
NA 12,468 $11,449,410,000 $918,304

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
12,468 $11,449,410,000 $918,304

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 2,912 $2,356,790,000 $809,337 $3,250 2.28%
40-60% 4,553 $4,573,835,000 $1,004,576 $4,020 2.30%
60-80% 3,649 $3,717,945,000 $1,018,894 $4,863 2.45%
80-100% 396 $371,040,000 $936,970 $6,016 2.58%
Under 20% 958 $429,800,000 $448,643 $3,024 2.51%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
CHARLES SCHWAB CORPORATION, THE Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Charles Schwab Bank, SSB 3000 Schwab Way Westlake, TX 76262 Full Service Cyber Office $327,410,000

For 2021, Charles Schwab Bank Ssb had 1 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $4,739,000
Net interest income $4,691,000
Total noninterest income $24,000
Gross Fiduciary activities income $0
Service charges on deposit accounts $0
Trading account gains and fees $0
Additional Noninterest Income $24,000
Pre-tax net operating income $3,302,000
Securities gains (or losses, -) $1,000
Income before extraordinary items $2,538,000
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $2,538,000
Minority interest net income $0
Net income $2,538,000
Sale, conversion, retirement of capital stock, net $0
Net operating income $2,537,210

Charles Schwab Bank Ssb's gross interest income from loans was $4,739,000,000.
Charles Schwab Bank Ssb's net interest income from loans was $4,691,000,000.
Charles Schwab Bank Ssb's fee based income from loans was $0.
Charles Schwab Bank Ssb's net income from loans was $2,538,000,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $48,000
Provision for credit losses $-13,000
Total noninterest expense $1,426,000
Salaries and employee benefits $130,000
Premises and equipment expense $10,000
Additional noninterest expense $1,286,000
Applicable income taxes $765,000
Net charge-offs $0
Cash dividends $0

Charles Schwab Bank Ssb's interest expense for loans was $48,000,000.
Charles Schwab Bank Ssb's payroll and benefits expense were $130,000,000.
Charles Schwab Bank Ssb's property, plant and equipment expenses $10,000,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $392,695,000
Deposits held in domestic offices $392,695,000
Deposits by Individuals, partnerships, and corporations $392,687,000
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $0
Deposits by Commercial banks and other depository institutions in U.S. $8,000
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $58,367,000
Demand deposits $35,306,000
Nontransaction accounts $334,328,000
Money market deposit accounts (MMDAs) $334,328,000
Other savings deposits (excluding MMDAs) $0
Total time deposits $0
Total time and savings deposits $357,389,000
Noninterest-bearing deposits $127,000
Interest-bearing deposits $392,568,000
Retail deposits $385,911,000
IRAs and Keogh plan accounts $107,660,000
Brokered deposits $14,621,000
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $420,502,000
Cash & Balances due from depository institutions $45,172,000
Interest-bearing balances $45,116,000
Total securities $335,954,000
Federal funds sold & reverse repurchase $0
Net loans and leases $36,707,000
Loan and leases loss allowance $18,000
Trading account assets $0
Bank premises and fixed assets $0
Other real estate owned $1,000
Goodwill and other intangibles $17,000
All other assets $2,651,000

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $420,502,000
Total Liabilities $393,467,000
Total deposits $392,695,000
Interest-bearing deposits $392,568,000
Deposits held in domestic offices $392,695,000
% insured (estimated) $66
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $772,000

Issued Loan Types

Type Value (in 000's)
Net loans and leases $36,707,000
Loan and leases loss allowance $18,000
Total loans and leases (domestic) $36,725,000
All real estate loans $21,739,000
Real estate loans in domestic offices $21,739,000
Construction and development loans $0
Residential 1-4 family construction $0
Other construction, all land development and other land $0
Loans secured by nonfarm nonresidential properties $0
Nonfarm nonresidential secured by owner-occupied properties $0
Commercial real estate & other non-farm, non-residential $0
Multifamily residential real estate $0
1-4 family residential loans $21,739,000
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $2,130,000
To non-U.S. addressees $0
Loans to individuals $8,793,000
Credit card loans $0
Related Plans $8,793,000
Consumer Auto Loans $0
Other loans to individuals $0
All other loans & leases $4,063,000
Loans to foreign governments and official institutions $0
Other loans $4,063,000
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $2,587,000
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $0
Non 1-4 family restructured loans & leases $0
Total loans and leases (foreign) $0

Charles Schwab Bank SSB had $36,707,000,000 of loans outstanding in 2021. $21,739,000,000 of loans were in real estate loans. $0 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $21,739,000,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Commercial & Industrial, US addressed loans - <$1MM 1,165 $377,000 $323,605
Commercial & Industrial, US addressed loans - <$100k 277 $15,000 $54,152
Commercial & Industrial, US addressed loans - $100-250k 297 $50,000 $168,350
Commercial & Industrial, US addressed loans - $250k-1MM 591 $312,000 $527,919