First National Acceptance Company 2012 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 | First National Acceptance Company 241 East Saginaw/P.O. Box 980 East Lansing, MI 48826 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 282 |
| Total Mortgage Loan Application Amount | $15,426,000 |
| Average Mortgage Loan Application Amount | $54,000 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with First National Acceptance Company. 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 First National Acceptance Company's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down First National Acceptance Company'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 First National Acceptance Company serves its applicants.
Each category highlights the total number of mortgage applications processed by First National Acceptance Company, 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 First National Acceptance Company's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris County Texas | 17 | $ 919,000 | $ 54,000 | $ 0 |
| Marion County Florida | 8 | $ 366,000 | $ 45,000 | $ 0 |
| Bexar County Texas | 7 | $ 450,000 | $ 64,000 | $ 0 |
| Tarrant County Texas | 6 | $ 250,000 | $ 41,000 | $ 0 |
| Hidalgo County Texas | 5 | $ 447,000 | $ 89,000 | $ 0 |
| Lee County Florida | 4 | $ 154,000 | $ 38,000 | $ 0 |
| Dallas County Texas | 4 | $ 194,000 | $ 48,000 | $ 0 |
| Johnson County Texas | 4 | $ 255,000 | $ 63,000 | $ 0 |
| Mohave County Arizona | 3 | $ 115,000 | $ 38,000 | $ 0 |
| Citrus County Florida | 3 | $ 124,000 | $ 41,000 | $ 0 |
| Dixie County Florida | 3 | $ 132,000 | $ 44,000 | $ 0 |
| Lake County Florida | 3 | $ 74,000 | $ 24,000 | $ 0 |
| Pasco County Florida | 3 | $ 80,000 | $ 26,000 | $ 0 |
| Chautauqua County New York | 3 | $ 87,000 | $ 29,000 | $ 0 |
| Brunswick County North Carolina | 3 | $ 91,000 | $ 30,000 | $ 0 |
| Bell County Texas | 3 | $ 108,000 | $ 36,000 | $ 0 |
| Burnet County Texas | 3 | $ 146,000 | $ 48,000 | $ 0 |
| Cameron County Texas | 3 | $ 109,000 | $ 36,000 | $ 0 |
| Marshall County Alabama | 2 | $ 119,000 | $ 59,000 | $ 0 |
| Fairbanks North Star County Alaska | 2 | $ 62,000 | $ 31,000 | $ 0 |
| Navajo County Arizona | 2 | $ 149,000 | $ 74,000 | $ 0 |
| Pima County Arizona | 2 | $ 73,000 | $ 36,000 | $ 0 |
| Duval County Florida | 2 | $ 166,000 | $ 83,000 | $ 0 |
| Levy County Florida | 2 | $ 77,000 | $ 38,000 | $ 0 |
| Cobb County Georgia | 2 | $ 256,000 | $ 128,000 | $ 0 |
| Dougherty County Georgia | 2 | $ 28,000 | $ 14,000 | $ 0 |
| Penobscot County Maine | 2 | $ 51,000 | $ 25,000 | $ 0 |
| Lyon County Nevada | 2 | $ 69,000 | $ 34,000 | $ 0 |
| Broome County New York | 2 | $ 55,000 | $ 27,000 | $ 0 |
| Oneida County New York | 2 | $ 60,000 | $ 30,000 | $ 0 |
| Haywood County North Carolina | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Richland County South Carolina | 2 | $ 77,000 | $ 38,000 | $ 0 |
| Angelina County Texas | 2 | $ 109,000 | $ 54,000 | $ 0 |
| Comal County Texas | 2 | $ 83,000 | $ 41,000 | $ 0 |
| Galveston County Texas | 2 | $ 177,000 | $ 88,000 | $ 0 |
| Guadalupe County Texas | 2 | $ 87,000 | $ 43,000 | $ 0 |
| Henderson County Texas | 2 | $ 64,000 | $ 32,000 | $ 0 |
| Howard County Texas | 2 | $ 35,000 | $ 17,000 | $ 0 |
| Hutchinson County Texas | 2 | $ 51,000 | $ 25,000 | $ 0 |
| Kaufman County Texas | 2 | $ 92,000 | $ 46,000 | $ 0 |
| Liberty County Texas | 2 | $ 155,000 | $ 77,000 | $ 0 |
| Montgomery County Texas | 2 | $ 135,000 | $ 67,000 | $ 0 |
| Orange County Texas | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Upshur County Texas | 2 | $ 188,000 | $ 94,000 | $ 0 |
| DeKalb County Alabama | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lee County Alabama | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Mobile County Alabama | 1 | $ 12,000 | $ 12,000 | $ 0 |
| Matanuska-Susitna County Alaska | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Cochise County Arizona | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Coconino County Arizona | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Pinal County Arizona | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Hot Spring County Arkansas | 1 | $ 37,000 | $ 37,000 | $ 0 |
| Washington County Arkansas | 1 | $ 114,000 | $ 114,000 | $ 0 |
| Los Angeles County California | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Sutter County California | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Baca County Colorado | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Alachua County Florida | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Bradford County Florida | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Charlotte County Florida | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Flagler County Florida | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Hernando County Florida | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Highlands County Florida | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Madison County Florida | 1 | $ 20,000 | $ 20,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 68,000 | $ 68,000 | $ 0 |
| Osceola County Florida | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Polk County Florida | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Santa Rosa County Florida | 1 | $ 38,000 | $ 38,000 | $ 0 |
| Sarasota County Florida | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Seminole County Florida | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Volusia County Florida | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Walton County Florida | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Chatham County Georgia | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Columbia County Georgia | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Fulton County Georgia | 1 | $ 126,000 | $ 126,000 | $ 0 |
| Rockdale County Georgia | 1 | $ 38,000 | $ 38,000 | $ 0 |
| White County Georgia | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Whitfield County Georgia | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Maui County Hawaii | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Benewah County Idaho | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Bonner County Idaho | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Vanderburgh County Indiana | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Barton County Kansas | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Barren County Kentucky | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Larue County Kentucky | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Bossier County Louisiana | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Evangeline County Louisiana | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Webster County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Somerset County Maine | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Waldo County Maine | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Washington County Maine | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Washington County Maryland | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Berrien County Michigan | 1 | $ 23,000 | $ 23,000 | $ 0 |
| St. Joseph County Michigan | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Hinds County Mississippi | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Lincoln County Mississippi | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Walthall County Mississippi | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Camden County Missouri | 1 | $ 176,000 | $ 176,000 | $ 0 |
| Douglas County Nevada | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Nye County Nevada | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Allegany County New York | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Dutchess County New York | 1 | $ 121,000 | $ 121,000 | $ 0 |
| New York County New York | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Niagara County New York | 1 | $ 18,000 | $ 18,000 | $ 0 |
| Onondaga County New York | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Ulster County New York | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Warren County New York | 1 | $ 21,000 | $ 21,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Carteret County North Carolina | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 16,000 | $ 16,000 | $ 0 |
| Cherokee County North Carolina | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Duplin County North Carolina | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Guilford County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lincoln County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Macon County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 0 |
| McDowell County North Carolina | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Mitchell County North Carolina | 1 | $ 32,000 | $ 32,000 | $ 0 |
| Montgomery County North Carolina | 1 | $ 61,000 | $ 61,000 | $ 0 |
| Nash County North Carolina | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Orange County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 0 |
| Pitt County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Warren County North Carolina | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Oklahoma County Oklahoma | 1 | $ 33,000 | $ 33,000 | $ 0 |
| Pottawatomie County Oklahoma | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Wagoner County Oklahoma | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Deschutes County Oregon | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Allegheny County Pennsylvania | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Carbon County Pennsylvania | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Fayette County Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Indiana County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Luzerne County Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Lancaster County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Cumberland County Tennessee | 1 | $ 29,000 | $ 29,000 | $ 0 |
| Hamblen County Tennessee | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Monroe County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Perry County Tennessee | 1 | $ 64,000 | $ 64,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Washington County Tennessee | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Andrews County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Atascosa County Texas | 1 | $ 39,000 | $ 39,000 | $ 0 |
| Bandera County Texas | 1 | $ 23,000 | $ 23,000 | $ 0 |
| Bastrop County Texas | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Bosque County Texas | 1 | $ 13,000 | $ 13,000 | $ 0 |
| Brazos County Texas | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Brown County Texas | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Calhoun County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Callahan County Texas | 1 | $ 19,000 | $ 19,000 | $ 0 |
| Carson County Texas | 1 | $ 42,000 | $ 42,000 | $ 0 |
| Cochran County Texas | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Ector County Texas | 1 | $ 46,000 | $ 46,000 | $ 0 |
| Erath County Texas | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Gaines County Texas | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Hardin County Texas | 1 | $ 28,000 | $ 28,000 | $ 0 |
| Hays County Texas | 1 | $ 54,000 | $ 54,000 | $ 0 |
| Hood County Texas | 1 | $ 34,000 | $ 34,000 | $ 0 |
| Hunt County Texas | 1 | $ 24,000 | $ 24,000 | $ 0 |
| Jasper County Texas | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Jefferson County Texas | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Jim Wells County Texas | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Limestone County Texas | 1 | $ 36,000 | $ 36,000 | $ 0 |
| Lubbock County Texas | 1 | $ 38,000 | $ 38,000 | $ 0 |
| McLennan County Texas | 1 | $ 31,000 | $ 31,000 | $ 0 |
| Montague County Texas | 1 | $ 67,000 | $ 67,000 | $ 0 |
| Parker County Texas | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Polk County Texas | 1 | $ 27,000 | $ 27,000 | $ 0 |
| Randall County Texas | 1 | $ 12,000 | $ 12,000 | $ 0 |
| San Jacinto County Texas | 1 | $ 12,000 | $ 12,000 | $ 0 |
| San Patricio County Texas | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Smith County Texas | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Taylor County Texas | 1 | $ 26,000 | $ 26,000 | $ 0 |
| Travis County Texas | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Tyler County Texas | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Van Zandt County Texas | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Williamson County Texas | 1 | $ 57,000 | $ 57,000 | $ 0 |
| Sevier County Utah | 1 | $ 43,000 | $ 43,000 | $ 0 |
| Accomack County Virginia | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Lynchburg County Virginia | 1 | $ 30,000 | $ 30,000 | $ 0 |
| Snohomish County Washington | 1 | $ 115,000 | $ 115,000 | $ 0 |
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 | 282 | $15,426,000 | $54,000 | $295,000 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 282 | $15,426,000 | $54,000 | $295,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 282 | $15,426,000 | $54,000 | $295,000 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Purchased By The Institution | 282 | $15,426,000 | $54,000 | $295,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Originated | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Acceptance Company's 2012 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 First National Acceptance Company'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.
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with aggregated HMDA statistics today.