Lender in California · HMDA 2025
Charles Schwab Bank, SSB mortgages in California
Charles Schwab Bank, SSB's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Charles Schwab Bank, SSB originated 1,190 owner-occupied single-family loans in California from 1,276 completed applications.
Its median conventional purchase loan costs were $6,800 versus $7,920 for all California lenders, at a median 30-year fixed rate of 5.875% (California: 6.625%).
Loans in CA
1,190
of 1,276 applications
Denial rate
4.3%
Purchase · CA 8.9%
Rate spread
−0.29 pts
Conv. · CA +0.09 pts
Loan amount
$1,215,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 773 | 726 | 4.3% | 5.875% | −0.29 pts | $6,800 | $1,215,000 |
| Refinance | 431 | 399 | 5.8% | — | −0.17 pts | $360 | $1,275,000 |
| Cash-out refinance | 72 | 65 | 6.9% | — | −0.08 pts | $3,220 | $1,215,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Charles Schwab Bank, SSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Francisco County | 13 | 87 | 1.7% |
| Marin County | 14 | 43 | 1.9% |
| San Mateo County | 16 | 82 | 1.4% |
| Santa Clara County | 17 | 172 | 1.0% |
| Napa County | 17 | 11 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology