Lender in Texas · HMDA 2025
Charles Schwab Bank, SSB mortgages in Texas
Charles Schwab Bank, SSB's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Charles Schwab Bank, SSB originated 296 owner-occupied single-family loans in Texas from 311 completed applications.
Its median conventional purchase loan costs were $7,390 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 5.975% (Texas: 6.50%).
Loans in TX
296
of 311 applications
Denial rate
3.6%
Purchase · TX 10.2%
Rate spread
−0.24 pts
Conv. · TX +0.09 pts
Loan amount
$785,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 250 | 237 | 3.6% | 5.975% | −0.24 pts | $7,390 | $785,000 |
| Refinance | 60 | 58 | 3.3% | — | −0.14 pts | $1,790 | $1,035,000 |
| Cash-out refinance | 1 | 1 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Charles Schwab Bank, SSB ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Llano County | 12 | 5 | 2.1% |
| Sabine County | 20 | 1 | 1.3% |
| Gillespie County | 24 | 3 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology