Eaglebank 2017 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 | Eaglebank 11931 Tech Rd Silver Spring, MD 20904 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,193 |
| Total Mortgage Loan Application Amount | $1,248,270,000 |
| Average Mortgage Loan Application Amount | $844,666 |
| Highest Mortgage Loan Application Amount | $90,000,000 |
| Average Applicant Income | $147,000 |
| Highest Applicant Income | $2,888,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 with Eaglebank. 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 Eaglebank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2017 breaks down Eaglebank'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 Eaglebank serves its applicants.
Each category highlights the total number of mortgage applications processed by Eaglebank, 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 Eaglebank's mortgage activity for 2017.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Montgomery County Maryland | 522 | $ 308,116,000 | $ 590,000 | $ 169,000 |
| District of Columbia County District Of Columbia | 449 | $ 461,091,000 | $ 1,026,000 | $ 131,000 |
| Fairfax County Virginia | 189 | $ 103,653,000 | $ 548,000 | $ 181,000 |
| Prince George's County Maryland | 183 | $ 46,884,000 | $ 256,000 | $ 61,000 |
| Prince William County Virginia | 109 | $ 31,867,000 | $ 292,000 | $ 87,000 |
| Loudoun County Virginia | 89 | $ 35,232,000 | $ 395,000 | $ 125,000 |
| Anne Arundel County Maryland | 65 | $ 22,145,000 | $ 340,000 | $ 112,000 |
| Frederick County Maryland | 53 | $ 17,505,000 | $ 330,000 | $ 131,000 |
| Baltimore County Maryland | 45 | $ 12,867,000 | $ 285,000 | $ 95,000 |
| Howard County Maryland | 44 | $ 18,061,000 | $ 410,000 | $ 151,000 |
| Arlington County Virginia | 38 | $ 19,910,000 | $ 523,000 | $ 193,000 |
| Alexandria County Virginia | 31 | $ 13,778,000 | $ 444,000 | $ 156,000 |
| Manassas County Virginia | 21 | $ 5,040,000 | $ 240,000 | $ 61,000 |
| Baltimore City County Maryland | 19 | $ 5,282,000 | $ 278,000 | $ 86,000 |
| Carroll County Maryland | 11 | $ 3,401,000 | $ 309,000 | $ 123,000 |
| Worcester County Maryland | 11 | $ 3,028,000 | $ 275,000 | $ 272,000 |
| Charles County Maryland | 10 | $ 2,822,000 | $ 282,000 | $ 135,000 |
| Queen Anne's County Maryland | 10 | $ 3,479,000 | $ 347,000 | $ 169,000 |
| Frederick County Virginia | 10 | $ 2,301,000 | $ 230,000 | $ 54,000 |
| Manassas Park County Virginia | 9 | $ 2,181,000 | $ 242,000 | $ 56,000 |
| Spotsylvania County Virginia | 8 | $ 1,641,000 | $ 205,000 | $ 60,000 |
| Sussex County Delaware | 7 | $ 2,431,000 | $ 347,000 | $ 276,000 |
| Stafford County Virginia | 7 | $ 2,173,000 | $ 310,000 | $ 106,000 |
| Harris County Texas | 6 | $ 2,049,000 | $ 341,000 | $ 133,000 |
| Calvert County Maryland | 5 | $ 2,063,000 | $ 412,000 | $ 152,000 |
| Wake County North Carolina | 5 | $ 1,443,000 | $ 288,000 | $ 150,000 |
| Culpeper County Virginia | 5 | $ 1,420,000 | $ 284,000 | $ 76,000 |
| Fauquier County Virginia | 5 | $ 1,901,000 | $ 380,000 | $ 85,000 |
| Warren County Virginia | 5 | $ 969,000 | $ 193,000 | $ 189,000 |
| Winchester County Virginia | 5 | $ 943,000 | $ 188,000 | $ 33,000 |
| Cobb County Georgia | 4 | $ 1,119,000 | $ 279,000 | $ 99,000 |
| Travis County Texas | 4 | $ 1,519,000 | $ 379,000 | $ 433,000 |
| Chesapeake County Virginia | 4 | $ 1,585,000 | $ 396,000 | $ 131,000 |
| Berkeley County West Virginia | 4 | $ 6,015,000 | $ 1,503,000 | $ 50,000 |
| Denver County Colorado | 3 | $ 1,082,000 | $ 360,000 | $ 182,000 |
| Garfield County Colorado | 3 | $ 1,183,000 | $ 394,000 | $ 377,000 |
| Manatee County Florida | 3 | $ 1,460,000 | $ 486,000 | $ 564,000 |
| Miami-Dade County Florida | 3 | $ 633,000 | $ 211,000 | $ 177,000 |
| Sarasota County Florida | 3 | $ 1,190,000 | $ 396,000 | $ 280,000 |
| Garrett County Maryland | 3 | $ 1,204,000 | $ 401,000 | $ 402,000 |
| Clark County Nevada | 3 | $ 1,122,000 | $ 374,000 | $ 205,000 |
| Nassau County New York | 3 | $ 1,390,000 | $ 463,000 | $ 129,000 |
| New York County New York | 3 | $ 5,455,000 | $ 1,818,000 | $ 472,000 |
| Suffolk County New York | 3 | $ 1,140,000 | $ 380,000 | $ 190,000 |
| Lancaster County Pennsylvania | 3 | $ 799,000 | $ 266,000 | $ 138,000 |
| Charleston County South Carolina | 3 | $ 2,338,000 | $ 779,000 | $ 798,000 |
| Shelby County Tennessee | 3 | $ 342,000 | $ 114,000 | $ 263,000 |
| Collin County Texas | 3 | $ 970,000 | $ 323,000 | $ 126,000 |
| Albemarle County Virginia | 3 | $ 14,372,000 | $ 4,790,000 | $ 207,000 |
| Chesterfield County Virginia | 3 | $ 527,000 | $ 175,000 | $ 107,000 |
| Fairfax City County Virginia | 3 | $ 918,000 | $ 306,000 | $ 119,000 |
| Falls Church County Virginia | 3 | $ 1,429,000 | $ 476,000 | $ 166,000 |
| Newport News County Virginia | 3 | $ 15,757,000 | $ 5,252,000 | $ 0 |
| Virginia Beach County Virginia | 3 | $ 826,000 | $ 275,000 | $ 187,000 |
| King County Washington | 3 | $ 2,354,000 | $ 784,000 | $ 238,000 |
| Maricopa County Arizona | 2 | $ 618,000 | $ 309,000 | $ 129,000 |
| Alameda County California | 2 | $ 1,063,000 | $ 531,000 | $ 168,000 |
| Sacramento County California | 2 | $ 230,000 | $ 115,000 | $ 56,000 |
| San Diego County California | 2 | $ 589,000 | $ 294,000 | $ 130,000 |
| Douglas County Colorado | 2 | $ 1,088,000 | $ 544,000 | $ 140,000 |
| Pitkin County Colorado | 2 | $ 498,000 | $ 249,000 | $ 670,000 |
| Weld County Colorado | 2 | $ 476,000 | $ 238,000 | $ 36,000 |
| Broward County Florida | 2 | $ 1,323,000 | $ 661,000 | $ 873,000 |
| Palm Beach County Florida | 2 | $ 837,000 | $ 418,000 | $ 244,000 |
| Wicomico County Maryland | 2 | $ 364,000 | $ 182,000 | $ 56,000 |
| Cape May County New Jersey | 2 | $ 1,739,000 | $ 869,000 | $ 1,495,000 |
| Essex County New Jersey | 2 | $ 1,190,000 | $ 595,000 | $ 238,000 |
| Somerset County New Jersey | 2 | $ 822,000 | $ 411,000 | $ 199,000 |
| Westchester County New York | 2 | $ 429,000 | $ 214,000 | $ 160,000 |
| Buncombe County North Carolina | 2 | $ 793,000 | $ 396,000 | $ 158,000 |
| Carteret County North Carolina | 2 | $ 667,000 | $ 333,000 | $ 169,000 |
| Mecklenburg County North Carolina | 2 | $ 663,000 | $ 331,000 | $ 166,000 |
| Medina County Ohio | 2 | $ 611,000 | $ 305,000 | $ 117,000 |
| Adams County Pennsylvania | 2 | $ 501,000 | $ 250,000 | $ 158,000 |
| Allegheny County Pennsylvania | 2 | $ 245,000 | $ 122,000 | $ 164,000 |
| Columbia County Pennsylvania | 2 | $ 361,000 | $ 180,000 | $ 65,000 |
| Philadelphia County Pennsylvania | 2 | $ 590,000 | $ 295,000 | $ 1,510,000 |
| York County Pennsylvania | 2 | $ 527,000 | $ 263,000 | $ 83,000 |
| Salt Lake County Utah | 2 | $ 592,000 | $ 296,000 | $ 150,000 |
| York County Virginia | 2 | $ 404,000 | $ 202,000 | $ 68,000 |
| Snohomish County Washington | 2 | $ 889,000 | $ 444,000 | $ 112,000 |
| Jefferson County West Virginia | 2 | $ 505,000 | $ 252,000 | $ 158,000 |
| Anchorage County Alaska | 1 | $ 960,000 | $ 960,000 | $ 439,000 |
| Pima County Arizona | 1 | $ 396,000 | $ 396,000 | $ 265,000 |
| Contra Costa County California | 1 | $ 300,000 | $ 300,000 | $ 56,000 |
| Los Angeles County California | 1 | $ 344,000 | $ 344,000 | $ 71,000 |
| Sonoma County California | 1 | $ 852,000 | $ 852,000 | $ 249,000 |
| Adams County Colorado | 1 | $ 197,000 | $ 197,000 | $ 36,000 |
| La Plata County Colorado | 1 | $ 291,000 | $ 291,000 | $ 120,000 |
| Mesa County Colorado | 1 | $ 420,000 | $ 420,000 | $ 125,000 |
| Summit County Colorado | 1 | $ 150,000 | $ 150,000 | $ 32,000 |
| Teller County Colorado | 1 | $ 314,000 | $ 314,000 | $ 107,000 |
| Duval County Florida | 1 | $ 328,000 | $ 328,000 | $ 86,000 |
| Highlands County Florida | 1 | $ 167,000 | $ 167,000 | $ 93,000 |
| Indian River County Florida | 1 | $ 203,000 | $ 203,000 | $ 225,000 |
| Lake County Florida | 1 | $ 189,000 | $ 189,000 | $ 107,000 |
| Lee County Florida | 1 | $ 300,000 | $ 300,000 | $ 240,000 |
| Monroe County Florida | 1 | $ 237,000 | $ 237,000 | $ 0 |
| Nassau County Florida | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Orange County Florida | 1 | $ 423,000 | $ 423,000 | $ 187,000 |
| Osceola County Florida | 1 | $ 234,000 | $ 234,000 | $ 232,000 |
| Pinellas County Florida | 1 | $ 117,000 | $ 117,000 | $ 117,000 |
| St. Johns County Florida | 1 | $ 100,000 | $ 100,000 | $ 76,000 |
| DeKalb County Georgia | 1 | $ 505,000 | $ 505,000 | $ 261,000 |
| Fannin County Georgia | 1 | $ 478,000 | $ 478,000 | $ 292,000 |
| Fulton County Georgia | 1 | $ 383,000 | $ 383,000 | $ 92,000 |
| Hall County Georgia | 1 | $ 424,000 | $ 424,000 | $ 136,000 |
| Honolulu County Hawaii | 1 | $ 350,000 | $ 350,000 | $ 34,000 |
| Teton County Idaho | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Will County Illinois | 1 | $ 296,000 | $ 296,000 | $ 166,000 |
| LaPorte County Indiana | 1 | $ 225,000 | $ 225,000 | $ 219,000 |
| East Baton Rouge County Louisiana | 1 | $ 154,000 | $ 154,000 | $ 228,000 |
| Cecil County Maryland | 1 | $ 1,000,000 | $ 1,000,000 | $ 990,000 |
| Somerset County Maryland | 1 | $ 412,000 | $ 412,000 | $ 100,000 |
| Talbot County Maryland | 1 | $ 206,000 | $ 206,000 | $ 190,000 |
| Washington County Maryland | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Essex County Massachusetts | 1 | $ 680,000 | $ 680,000 | $ 217,000 |
| Middlesex County Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 285,000 |
| Norfolk County Massachusetts | 1 | $ 667,000 | $ 667,000 | $ 210,000 |
| Plymouth County Massachusetts | 1 | $ 109,000 | $ 109,000 | $ 82,000 |
| Hennepin County Minnesota | 1 | $ 174,000 | $ 174,000 | $ 683,000 |
| Boone County Missouri | 1 | $ 317,000 | $ 317,000 | $ 125,000 |
| St. Louis County Missouri | 1 | $ 424,000 | $ 424,000 | $ 160,000 |
| Atlantic County New Jersey | 1 | $ 424,000 | $ 424,000 | $ 773,000 |
| Bergen County New Jersey | 1 | $ 349,000 | $ 349,000 | $ 149,000 |
| Hunterdon County New Jersey | 1 | $ 320,000 | $ 320,000 | $ 105,000 |
| Morris County New Jersey | 1 | $ 424,000 | $ 424,000 | $ 86,000 |
| Ocean County New Jersey | 1 | $ 376,000 | $ 376,000 | $ 174,000 |
| Bernalillo County New Mexico | 1 | $ 241,000 | $ 241,000 | $ 108,000 |
| Delaware County New York | 1 | $ 152,000 | $ 152,000 | $ 72,000 |
| Erie County New York | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Kings County New York | 1 | $ 356,000 | $ 356,000 | $ 63,000 |
| Richmond County New York | 1 | $ 380,000 | $ 380,000 | $ 503,000 |
| Dare County North Carolina | 1 | $ 219,000 | $ 219,000 | $ 42,000 |
| New Hanover County North Carolina | 1 | $ 356,000 | $ 356,000 | $ 86,000 |
| Orange County North Carolina | 1 | $ 278,000 | $ 278,000 | $ 229,000 |
| Rowan County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Union County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Warren County North Carolina | 1 | $ 436,000 | $ 436,000 | $ 221,000 |
| Lucas County Ohio | 1 | $ 113,000 | $ 113,000 | $ 56,000 |
| Montgomery County Ohio | 1 | $ 79,000 | $ 79,000 | $ 45,000 |
| Clackamas County Oregon | 1 | $ 287,000 | $ 287,000 | $ 93,000 |
| Jackson County Oregon | 1 | $ 424,000 | $ 424,000 | $ 103,000 |
| Marion County Oregon | 1 | $ 336,000 | $ 336,000 | $ 81,000 |
| Chester County Pennsylvania | 1 | $ 294,000 | $ 294,000 | $ 215,000 |
| Delaware County Pennsylvania | 1 | $ 411,000 | $ 411,000 | $ 203,000 |
| Monroe County Pennsylvania | 1 | $ 146,000 | $ 146,000 | $ 210,000 |
| Montgomery County Pennsylvania | 1 | $ 212,000 | $ 212,000 | $ 89,000 |
| Oconee County South Carolina | 1 | $ 368,000 | $ 368,000 | $ 461,000 |
| York County South Carolina | 1 | $ 246,000 | $ 246,000 | $ 61,000 |
| Bexar County Texas | 1 | $ 233,000 | $ 233,000 | $ 62,000 |
| Comal County Texas | 1 | $ 350,000 | $ 350,000 | $ 125,000 |
| Fort Bend County Texas | 1 | $ 304,000 | $ 304,000 | $ 175,000 |
| Tarrant County Texas | 1 | $ 182,000 | $ 182,000 | $ 75,000 |
| Williamson County Texas | 1 | $ 424,000 | $ 424,000 | $ 336,000 |
| Lamoille County Vermont | 1 | $ 266,000 | $ 266,000 | $ 326,000 |
| Harrisonburg County Virginia | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Henrico County Virginia | 1 | $ 380,000 | $ 380,000 | $ 160,000 |
| James City County Virginia | 1 | $ 371,000 | $ 371,000 | $ 146,000 |
| Louisa County Virginia | 1 | $ 348,000 | $ 348,000 | $ 139,000 |
| Prince George County Virginia | 1 | $ 140,000 | $ 140,000 | $ 132,000 |
| Richmond City County Virginia | 1 | $ 324,000 | $ 324,000 | $ 134,000 |
| Rockingham County Virginia | 1 | $ 293,000 | $ 293,000 | $ 168,000 |
| Kitsap County Washington | 1 | $ 452,000 | $ 452,000 | $ 126,000 |
| Jackson County West Virginia | 1 | $ 287,000 | $ 287,000 | $ 107,000 |
| Preston County West Virginia | 1 | $ 214,000 | $ 214,000 | $ 180,000 |
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 | 1,468 | $663,131,000 | $451,000 | $20,650,000 | $137,000 | $2,888,000 |
| Refinancing | 649 | $483,351,000 | $744,000 | $90,000,000 | $162,000 | $2,109,000 |
| Home Improvement | 76 | $101,788,000 | $1,339,000 | $32,400,000 | $142,000 | $775,000 |
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 | 887 | $400,573,000 | $451,000 | $2,800,000 | $195,000 | $2,888,000 |
| Hispanic | 361 | $101,347,000 | $280,000 | $925,000 | $77,000 | $407,000 |
| Not Provided | 305 | $149,466,000 | $490,000 | $3,360,000 | $196,000 | $2,589,000 |
| Not applicable | 261 | $452,696,000 | $1,734,000 | $90,000,000 | $0 | $0 |
| Asian | 233 | $92,311,000 | $396,000 | $1,360,000 | $165,000 | $1,593,000 |
| Black or African American | 136 | $48,511,000 | $356,000 | $880,000 | $128,000 | $570,000 |
| American Indian or Alaskan Native | 6 | $2,182,000 | $363,000 | $542,000 | $81,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,184,000 | $296,000 | $354,000 | $124,000 | $194,000 |
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) | 1,743 | $1,031,528,000 | $591,000 | $90,000,000 | $160,000 | $2,888,000 |
| FHA-insured (Federal Housing Administration) | 366 | $176,164,000 | $481,000 | $17,000,000 | $77,000 | $465,000 |
| VA-guaranteed (Veterans Administration) | 84 | $40,578,000 | $483,000 | $1,171,000 | $133,000 | $393,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Originated | 1,661 | $1,023,559,000 | $616,000 | $90,000,000 | $139,000 | $2,888,000 |
| Application Withdrawn By Applicant | 321 | $144,324,000 | $449,000 | $2,460,000 | $168,000 | $990,000 |
| Application Denied By Financial Institution | 148 | $55,506,000 | $375,000 | $2,000,000 | $133,000 | $1,356,000 |
| File Closed For Incompleteness | 57 | $23,244,000 | $407,000 | $1,692,000 | $202,000 | $1,380,000 |
| Application Approved But Not Accepted | 5 | $1,415,000 | $283,000 | $420,000 | $146,000 | $437,000 |
| Loan Purchased By The Institution | 1 | $222,000 | $222,000 | $222,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 58 | $22,092,000 | $380,000 | $1,693,000 | $102,000 | $601,000 |
| Collateral | 51 | $18,569,000 | $364,000 | $2,000,000 | $165,000 | $1,356,000 |
| Other | 17 | $6,598,000 | $388,000 | $1,358,000 | $157,000 | $421,000 |
| Credit History | 8 | $2,396,000 | $299,000 | $424,000 | $120,000 | $387,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $2,169,000 | $433,000 | $636,000 | $144,000 | $259,000 |
| Unverifiable Information | 3 | $827,000 | $275,000 | $339,000 | $55,000 | $76,000 |
| Credit Application Incomplete | 3 | $1,777,000 | $592,000 | $797,000 | $203,000 | $343,000 |
| Employment History | 3 | $1,078,000 | $359,000 | $544,000 | $85,000 | $149,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Eaglebank's 2017 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 Eaglebank'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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.