Ing Bank, FSB Mortgage Lending & HMDA Data, 2004
In 2004, Ing Bank, FSB of Wilmington, DE reported 43,758 mortgage applications totaling $11.8 billion, up 24% from 2003. The average application was for $269,857, and applicants reported an average income of $106,632. 22% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,877), Philadelphia, PA (1,392) and Atlanta-Sandy Springs-Marietta, GA (1,279) (applications in parentheses).
| Mortgage Company & Address | Ing Bank, FSB 1 South Orange Street Wilmington, DE 19801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 43,758 |
| Total Mortgage Loan Application Amount | $11,808,438,000 |
| Average Mortgage Loan Application Amount | $269,857 |
| Highest Mortgage Loan Application Amount | $8,000,000 |
| Average Applicant Income | $106,632 |
| Highest Applicant Income | $9,300,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ing Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,877 | $ 744,252,000 | $ 396,511 | $ 145,000 |
| Philadelphia, PA | 1,392 | $ 270,099,000 | $ 194,036 | $ 109,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1,279 | $ 263,385,000 | $ 205,930 | $ 91,000 |
| New York-Wayne-White Plains, NY-NJ | 1,271 | $ 410,268,000 | $ 322,791 | $ 142,000 |
| Chicago-Naperville-Joliet, IL | 1,182 | $ 305,315,000 | $ 258,303 | $ 99,000 |
| Oakland-Fremont-Hayward, CA | 1,016 | $ 422,988,000 | $ 416,326 | $ 159,000 |
| Edison, NJ | 1,007 | $ 267,366,000 | $ 265,507 | $ 116,000 |
| Santa Ana-Anaheim-Irvine, CA | 962 | $ 411,474,000 | $ 427,727 | $ 149,000 |
| Phoenix-Mesa-Scottsdale, AZ | 918 | $ 210,915,000 | $ 229,754 | $ 107,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 881 | $ 396,216,000 | $ 449,734 | $ 175,000 |
| Nassau-Suffolk, NY | 842 | $ 249,683,000 | $ 296,535 | $ 132,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 809 | $ 180,489,000 | $ 223,101 | $ 90,000 |
| San Diego-Carlsbad-San Marcos, CA | 802 | $ 344,482,000 | $ 429,528 | $ 167,000 |
| Seattle-Bellevue-Everett, WA | 713 | $ 232,521,000 | $ 326,116 | $ 112,000 |
| Riverside-San Bernardino-Ontario, CA | 694 | $ 205,617,000 | $ 296,278 | $ 115,000 |
| Boston-Quincy, MA | 673 | $ 197,295,000 | $ 293,157 | $ 134,000 |
| Newark-Union, NJ-PA | 640 | $ 200,381,000 | $ 313,095 | $ 177,000 |
| Denver-Aurora, CO | 636 | $ 185,609,000 | $ 291,838 | $ 96,000 |
| Cambridge-Newton-Framingham, MA | 589 | $ 178,377,000 | $ 302,847 | $ 127,000 |
| San Francisco-San Mateo-Redwood City, CA | 559 | $ 271,365,000 | $ 485,447 | $ 189,000 |
| Camden, NJ | 542 | $ 85,323,000 | $ 157,422 | $ 91,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 507 | $ 157,708,000 | $ 311,061 | $ 119,000 |
| Las Vegas-Paradise, NV | 504 | $ 150,188,000 | $ 297,992 | $ 102,000 |
| Bethesda-Frederick-Gaithersburg, MD | 500 | $ 172,339,000 | $ 344,678 | $ 131,000 |
| Wilmington, DE-MD-NJ | 497 | $ 91,360,000 | $ 183,822 | $ 83,000 |
| Baltimore-Towson, MD | 436 | $ 110,129,000 | $ 252,589 | $ 83,000 |
| Bridgeport-Stamford-Norwalk, CT | 391 | $ 159,625,000 | $ 408,248 | $ 178,000 |
| Warren-Farmington Hills-Troy, MI | 370 | $ 85,533,000 | $ 231,170 | $ 88,000 |
| Hartford-West Hartford-East Hartford, CT | 322 | $ 64,276,000 | $ 199,614 | $ 99,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 295 | $ 71,222,000 | $ 241,430 | $ 103,000 |
| Tampa-St. Petersburg-Clearwater, FL | 292 | $ 53,519,000 | $ 183,284 | $ 89,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 281 | $ 104,524,000 | $ 371,971 | $ 134,000 |
| Portland-Vancouver-Beaverton, OR-WA | 279 | $ 61,797,000 | $ 221,494 | $ 87,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 277 | $ 69,635,000 | $ 251,389 | $ 115,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 272 | $ 106,857,000 | $ 392,856 | $ 160,000 |
| Orlando, FL | 248 | $ 46,985,000 | $ 189,455 | $ 81,000 |
| Essex County, MA | 246 | $ 70,884,000 | $ 288,146 | $ 182,000 |
| Worcester, MA | 220 | $ 52,942,000 | $ 240,645 | $ 110,000 |
| Miami-Miami Beach-Kendall, FL | 210 | $ 55,596,000 | $ 264,742 | $ 101,000 |
| Raleigh-Cary, NC | 201 | $ 41,516,000 | $ 206,547 | $ 95,000 |
| Dallas-Plano-Irving, TX | 200 | $ 61,673,000 | $ 308,365 | $ 106,000 |
| Charlotte-Gastonia-Concord, NC-SC | 197 | $ 37,637,000 | $ 191,050 | $ 91,000 |
| Houston-Baytown-Sugar Land, TX | 194 | $ 46,221,000 | $ 238,252 | $ 109,000 |
| St. Louis, MO-IL | 192 | $ 40,659,000 | $ 211,765 | $ 76,000 |
| Trenton-Ewing, NJ | 184 | $ 47,613,000 | $ 258,766 | $ 141,000 |
| New Haven-Milford, CT | 177 | $ 36,979,000 | $ 208,920 | $ 104,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 177 | $ 36,323,000 | $ 205,214 | $ 97,000 |
| Pittsburgh, PA | 176 | $ 22,831,000 | $ 129,721 | $ 78,000 |
| Richmond, VA | 152 | $ 30,776,000 | $ 202,473 | $ 82,000 |
| Lake County-Kenosha County, IL-WI | 150 | $ 60,047,000 | $ 400,313 | $ 146,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 149 | $ 27,304,000 | $ 183,248 | $ 76,000 |
| Columbus, OH | 140 | $ 26,734,000 | $ 190,957 | $ 96,000 |
| Rockingham County-Strafford County, NH | 135 | $ 29,016,000 | $ 214,933 | $ 118,000 |
| Santa Rosa-Petaluma, CA | 133 | $ 48,824,000 | $ 367,097 | $ 101,000 |
| Cincinnati-Middletown, OH-KY-IN | 132 | $ 29,339,000 | $ 222,265 | $ 97,000 |
| Detroit-Livonia-Dearborn, MI | 132 | $ 26,151,000 | $ 198,113 | $ 90,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 129 | $ 18,315,000 | $ 141,976 | $ 82,000 |
| Cleveland-Elyria-Mentor, OH | 127 | $ 23,008,000 | $ 181,165 | $ 87,000 |
| Milwaukee-Waukesha-West Allis, WI | 121 | $ 25,614,000 | $ 211,685 | $ 94,000 |
| Indianapolis, IN | 119 | $ 22,222,000 | $ 186,739 | $ 93,000 |
| Boulder, CO | 117 | $ 38,252,000 | $ 326,940 | $ 105,000 |
| Stockton, CA | 112 | $ 33,337,000 | $ 297,651 | $ 91,000 |
| Tucson, AZ | 112 | $ 21,896,000 | $ 195,500 | $ 83,000 |
| Atlantic City, NJ | 111 | $ 18,726,000 | $ 168,702 | $ 91,000 |
| Salt Lake City, UT | 110 | $ 24,951,000 | $ 226,827 | $ 86,000 |
| Sarasota-Bradenton-Venice, FL | 110 | $ 26,098,000 | $ 237,254 | $ 97,000 |
| Manchester-Nashua, NH | 105 | $ 20,387,000 | $ 194,161 | $ 140,000 |
| Jacksonville, FL | 104 | $ 23,538,000 | $ 226,326 | $ 114,000 |
| Providence-New Bedford-Fall River, RI-MA | 102 | $ 25,527,000 | $ 250,264 | $ 113,000 |
| Cape Coral-Fort Myers, FL | 98 | $ 23,084,000 | $ 235,551 | $ 97,000 |
| Buffalo-Niagara Falls, NY | 97 | $ 10,641,000 | $ 109,701 | $ 66,000 |
| Reno-Sparks, NV | 93 | $ 27,055,000 | $ 290,913 | $ 93,000 |
| Colorado Springs, CO | 88 | $ 21,609,000 | $ 245,556 | $ 95,000 |
| Portland-South Portland-Biddeford, ME | 88 | $ 19,086,000 | $ 216,886 | $ 100,000 |
| Vallejo-Fairfield, CA | 87 | $ 28,612,000 | $ 328,873 | $ 102,000 |
| Austin-Round Rock, TX | 85 | $ 22,030,000 | $ 259,176 | $ 94,000 |
| Birmingham-Hoover, AL | 84 | $ 16,710,000 | $ 198,928 | $ 113,000 |
| Durham, NC | 84 | $ 18,173,000 | $ 216,345 | $ 91,000 |
| Rochester, NY | 84 | $ 9,547,000 | $ 113,654 | $ 92,000 |
| Albany-Schenectady-Troy, NY | 79 | $ 11,238,000 | $ 142,253 | $ 86,000 |
| Albuquerque, NM | 77 | $ 13,634,000 | $ 177,064 | $ 70,000 |
| Barnstable Town, MA | 76 | $ 19,924,000 | $ 262,157 | $ 83,000 |
| Kansas City, MO-KS | 76 | $ 11,499,000 | $ 151,302 | $ 123,000 |
| Salinas, CA | 76 | $ 29,940,000 | $ 393,947 | $ 102,000 |
| St. Cloud, MN | 76 | $ 9,898,000 | $ 130,236 | $ 56,000 |
| Ann Arbor, MI | 75 | $ 16,292,000 | $ 217,226 | $ 82,000 |
| New Orleans-Metairie-Kenner, LA | 72 | $ 12,728,000 | $ 176,777 | $ 81,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 72 | $ 32,874,000 | $ 456,583 | $ 140,000 |
| Reading, PA | 71 | $ 9,679,000 | $ 136,323 | $ 68,000 |
| Charleston-North Charleston, SC | 70 | $ 15,393,000 | $ 219,900 | $ 80,000 |
| Santa Cruz-Watsonville, CA | 70 | $ 32,708,000 | $ 467,257 | $ 153,000 |
| Nashville-Davidson--Murfreesboro, TN | 69 | $ 15,998,000 | $ 231,855 | $ 84,000 |
| Tacoma, WA | 69 | $ 16,354,000 | $ 237,014 | $ 83,000 |
| Springfield, MA | 68 | $ 11,127,000 | $ 163,632 | $ 77,000 |
| Des Moines, IA | 67 | $ 9,951,000 | $ 148,522 | $ 92,000 |
| Fresno, CA | 67 | $ 15,816,000 | $ 236,059 | $ 93,000 |
| Honolulu, HI | 67 | $ 32,443,000 | $ 484,223 | $ 139,000 |
| Fort Collins-Loveland, CO | 66 | $ 15,423,000 | $ 233,681 | $ 77,000 |
| Syracuse, NY | 66 | $ 7,877,000 | $ 119,348 | $ 79,000 |
| Palm Bay-Melbourne-Titusville, FL | 65 | $ 11,283,000 | $ 173,584 | $ 84,000 |
| Bakersfield, CA | 64 | $ 11,719,000 | $ 183,109 | $ 84,000 |
| Harrisburg-Carlisle, PA | 63 | $ 7,456,000 | $ 118,349 | $ 72,000 |
| Oklahoma City, OK | 60 | $ 8,795,000 | $ 146,583 | $ 85,000 |
| Lancaster, PA | 58 | $ 8,218,000 | $ 141,689 | $ 77,000 |
| Naples-Marco Island, FL | 58 | $ 16,563,000 | $ 285,568 | $ 158,000 |
| Modesto, CA | 57 | $ 13,316,000 | $ 233,614 | $ 91,000 |
| Columbia, SC | 52 | $ 6,527,000 | $ 125,519 | $ 57,000 |
| Fort Worth-Arlington, TX | 52 | $ 13,829,000 | $ 265,942 | $ 109,000 |
| Omaha-Council Bluffs, NE-IA | 52 | $ 7,371,000 | $ 141,750 | $ 72,000 |
| San Luis Obispo-Paso Robles, CA | 52 | $ 20,402,000 | $ 392,346 | $ 120,000 |
| Boise City-Nampa, ID | 50 | $ 8,664,000 | $ 173,280 | $ 72,000 |
| Louisville, KY-IN | 50 | $ 11,201,000 | $ 224,020 | $ 74,000 |
| Madison, WI | 50 | $ 9,469,000 | $ 189,380 | $ 79,000 |
| Memphis, TN-MS-AR | 49 | $ 9,738,000 | $ 198,734 | $ 89,000 |
| Tulsa, OK | 49 | $ 7,510,000 | $ 153,265 | $ 62,000 |
| San Antonio, TX | 48 | $ 8,671,000 | $ 180,645 | $ 93,000 |
| Wilmington, NC | 48 | $ 10,078,000 | $ 209,958 | $ 86,000 |
| Norwich-New London, CT | 47 | $ 8,536,000 | $ 181,617 | $ 85,000 |
| Charlottesville, VA | 45 | $ 9,503,000 | $ 211,177 | $ 61,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 43 | $ 8,643,000 | $ 201,000 | $ 102,000 |
| Greenville, SC | 43 | $ 7,950,000 | $ 184,883 | $ 71,000 |
| Port St. Lucie-Fort Pierce, FL | 43 | $ 8,176,000 | $ 190,139 | $ 82,000 |
| Baton Rouge, LA | 41 | $ 6,071,000 | $ 148,073 | $ 100,000 |
| Dover, DE | 40 | $ 5,208,000 | $ 130,200 | $ 65,000 |
| Gary, IN | 40 | $ 6,104,000 | $ 152,600 | $ 68,000 |
| Scranton--Wilkes-Barre, PA | 40 | $ 3,984,000 | $ 99,600 | $ 71,000 |
| Napa, CA | 38 | $ 15,569,000 | $ 409,710 | $ 168,000 |
| Ocean City, NJ | 38 | $ 12,690,000 | $ 333,947 | $ 107,000 |
| Bend, OR | 37 | $ 9,620,000 | $ 260,000 | $ 68,000 |
| Eugene-Springfield, OR | 37 | $ 7,473,000 | $ 201,972 | $ 77,000 |
| Greensboro-High Point, NC | 37 | $ 6,331,000 | $ 171,108 | $ 74,000 |
| Kingston, NY | 37 | $ 5,866,000 | $ 158,540 | $ 89,000 |
| Provo-Orem, UT | 37 | $ 7,037,000 | $ 190,189 | $ 70,000 |
| Toledo, OH | 37 | $ 7,277,000 | $ 196,675 | $ 95,000 |
| Akron, OH | 36 | $ 5,815,000 | $ 161,527 | $ 75,000 |
| Bellingham, WA | 36 | $ 7,292,000 | $ 202,555 | $ 107,000 |
| York-Hanover, PA | 36 | $ 4,246,000 | $ 117,944 | $ 60,000 |
| Lexington-Fayette, KY | 35 | $ 6,202,000 | $ 177,200 | $ 81,000 |
| Tallahassee, FL | 35 | $ 4,873,000 | $ 139,228 | $ 89,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 34 | $ 5,770,000 | $ 169,705 | $ 144,000 |
| Little Rock-North Little Rock, AR | 34 | $ 4,150,000 | $ 122,058 | $ 54,000 |
| Grand Rapids-Wyoming, MI | 33 | $ 6,357,000 | $ 192,636 | $ 76,000 |
| Dayton, OH | 32 | $ 4,219,000 | $ 131,843 | $ 87,000 |
| Medford, OR | 32 | $ 5,713,000 | $ 178,531 | $ 65,000 |
| Savannah, GA | 32 | $ 6,041,000 | $ 188,781 | $ 191,000 |
| Bremerton-Silverdale, WA | 31 | $ 8,742,000 | $ 282,000 | $ 87,000 |
| Greeley, CO | 31 | $ 8,879,000 | $ 286,419 | $ 68,000 |
| Spokane, WA | 31 | $ 4,420,000 | $ 142,580 | $ 48,000 |
| Lakeland, FL | 29 | $ 3,883,000 | $ 133,896 | $ 80,000 |
| Ogden-Clearfield, UT | 29 | $ 6,855,000 | $ 236,379 | $ 66,000 |
| Pensacola-Ferry Pass-Brent, FL | 28 | $ 3,559,000 | $ 127,107 | $ 64,000 |
| Cedar Rapids, IA | 27 | $ 2,790,000 | $ 103,333 | $ 60,000 |
| Champaign-Urbana, IL | 27 | $ 3,779,000 | $ 139,962 | $ 60,000 |
| Gainesville, FL | 27 | $ 3,183,000 | $ 117,888 | $ 64,000 |
| Burlington-South Burlington, VT | 25 | $ 6,042,000 | $ 241,680 | $ 109,000 |
| Fort Walton Beach-Crestview-Destin, FL | 25 | $ 9,194,000 | $ 367,760 | $ 93,000 |
| Lansing-East Lansing, MI | 25 | $ 4,023,000 | $ 160,920 | $ 76,000 |
| Prescott, AZ | 25 | $ 5,561,000 | $ 222,440 | $ 62,000 |
| Springfield, MO | 25 | $ 3,484,000 | $ 139,360 | $ 81,000 |
| Asheville, NC | 24 | $ 4,165,000 | $ 173,541 | $ 58,000 |
| Augusta-Richmond County, GA-SC | 24 | $ 4,170,000 | $ 173,750 | $ 81,000 |
| Gainesville, GA | 24 | $ 4,523,000 | $ 188,458 | $ 87,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 24 | $ 4,311,000 | $ 179,625 | $ 151,000 |
| Olympia, WA | 23 | $ 3,341,000 | $ 145,260 | $ 104,000 |
| Panama City-Lynn Haven, FL | 23 | $ 5,309,000 | $ 230,826 | $ 68,000 |
| Anchorage, AK | 22 | $ 6,401,000 | $ 290,954 | $ 131,000 |
| Chico, CA | 22 | $ 4,938,000 | $ 224,454 | $ 63,000 |
| Knoxville, TN | 22 | $ 4,939,000 | $ 224,500 | $ 67,000 |
| Winston-Salem, NC | 22 | $ 3,789,000 | $ 172,227 | $ 82,000 |
| Columbus, GA-AL | 21 | $ 2,823,000 | $ 134,428 | $ 79,000 |
| Jackson, MS | 21 | $ 3,446,000 | $ 164,095 | $ 68,000 |
| Montgomery, AL | 21 | $ 2,918,000 | $ 138,952 | $ 59,000 |
| Santa Fe, NM | 21 | $ 5,700,000 | $ 271,428 | $ 524,000 |
| Vineland-Millville-Bridgeton, NJ | 21 | $ 2,136,000 | $ 101,714 | $ 71,000 |
| Yuba City, CA | 21 | $ 4,324,000 | $ 205,904 | $ 74,000 |
| Duluth, MN-WI | 20 | $ 2,573,000 | $ 128,650 | $ 69,000 |
| Flagstaff, AZ | 20 | $ 4,299,000 | $ 214,950 | $ 88,000 |
| Huntsville, AL | 20 | $ 3,524,000 | $ 176,200 | $ 69,000 |
| Iowa City, IA | 20 | $ 2,943,000 | $ 147,150 | $ 87,000 |
| Lincoln, NE | 20 | $ 2,340,000 | $ 117,000 | $ 65,000 |
| Wichita, KS | 20 | $ 2,766,000 | $ 138,300 | $ 101,000 |
| Athens-Clarke County, GA | 19 | $ 2,683,000 | $ 141,210 | $ 103,000 |
| Salem, OR | 19 | $ 3,072,000 | $ 161,684 | $ 74,000 |
| Binghamton, NY | 18 | $ 1,427,000 | $ 79,277 | $ 51,000 |
| Fort Wayne, IN | 18 | $ 1,596,000 | $ 88,666 | $ 56,000 |
| Grand Junction, CO | 18 | $ 3,239,000 | $ 179,944 | $ 70,000 |
| Kalamazoo-Portage, MI | 18 | $ 3,107,000 | $ 172,611 | $ 119,000 |
| Ocala, FL | 18 | $ 2,865,000 | $ 159,166 | $ 69,000 |
| Roanoke, VA | 18 | $ 2,400,000 | $ 133,333 | $ 73,000 |
| Columbia, MO | 17 | $ 2,027,000 | $ 119,235 | $ 50,000 |
| Merced, CA | 17 | $ 4,082,000 | $ 240,117 | $ 101,000 |
| Mobile, AL | 17 | $ 2,607,000 | $ 153,352 | $ 92,000 |
| South Bend-Mishawaka, IN-MI | 17 | $ 2,165,000 | $ 127,352 | $ 63,000 |
| Spartanburg, SC | 17 | $ 1,899,000 | $ 111,705 | $ 64,000 |
| Visalia-Porterville, CA | 17 | $ 3,347,000 | $ 196,882 | $ 76,000 |
| Youngstown-Warren-Boardman, OH-PA | 17 | $ 1,548,000 | $ 91,058 | $ 57,000 |
| Canton-Massillon, OH | 16 | $ 1,840,000 | $ 115,000 | $ 53,000 |
| Fayetteville, NC | 16 | $ 2,812,000 | $ 175,750 | $ 51,000 |
| Lawrence, KS | 16 | $ 2,193,000 | $ 137,062 | $ 57,000 |
| Punta Gorda, FL | 16 | $ 3,092,000 | $ 193,250 | $ 61,000 |
| Rockford, IL | 16 | $ 2,375,000 | $ 148,437 | $ 86,000 |
| Utica-Rome, NY | 16 | $ 1,218,000 | $ 76,125 | $ 66,000 |
| Carson City, NV | 15 | $ 3,538,000 | $ 235,866 | $ 57,000 |
| Lafayette, LA | 15 | $ 1,878,000 | $ 125,200 | $ 114,000 |
| Lynchburg, VA | 15 | $ 1,693,000 | $ 112,866 | $ 67,000 |
| Coeur D'Alene, ID | 14 | $ 2,202,000 | $ 157,285 | $ 69,000 |
| Hagerstown-Martinsburg, MD-WV | 14 | $ 2,449,000 | $ 174,928 | $ 77,000 |
| Ithaca, NY | 14 | $ 2,190,000 | $ 156,428 | $ 73,000 |
| Peoria, IL | 14 | $ 1,576,000 | $ 112,571 | $ 62,000 |
| St. George, UT | 14 | $ 3,201,000 | $ 228,642 | $ 60,000 |
| Hickory-Lenoir-Morganton, NC | 13 | $ 2,141,000 | $ 164,692 | $ 55,000 |
| Winchester, VA-WV | 13 | $ 1,851,000 | $ 142,384 | $ 52,000 |
| Corvallis, OR | 12 | $ 2,572,000 | $ 214,333 | $ 105,000 |
| Flint, MI | 12 | $ 1,726,000 | $ 143,833 | $ 70,000 |
| Green Bay, WI | 12 | $ 1,351,000 | $ 112,583 | $ 49,000 |
| Rochester, MN | 12 | $ 1,764,000 | $ 147,000 | $ 73,000 |
| State College, PA | 12 | $ 1,853,000 | $ 154,416 | $ 86,000 |
| Vero Beach, FL | 12 | $ 2,734,000 | $ 227,833 | $ 93,000 |
| Appleton, WI | 11 | $ 2,156,000 | $ 196,000 | $ 63,000 |
| Bangor, ME | 11 | $ 1,223,000 | $ 111,181 | $ 66,000 |
| Blacksburg-Christiansburg-Radford, VA | 11 | $ 1,307,000 | $ 118,818 | $ 77,000 |
| Chattanooga, TN-GA | 11 | $ 1,235,000 | $ 112,272 | $ 70,000 |
| Evansville, IN-KY | 11 | $ 1,318,000 | $ 119,818 | $ 84,000 |
| Janesville, WI | 11 | $ 957,000 | $ 87,000 | $ 55,000 |
| Lafayette, IN | 11 | $ 1,409,000 | $ 128,090 | $ 86,000 |
| Lebanon, PA | 11 | $ 1,412,000 | $ 128,363 | $ 76,000 |
| Macon, GA | 11 | $ 1,150,000 | $ 104,545 | $ 106,000 |
| Mount Vernon-Anacortes, WA | 11 | $ 2,618,000 | $ 238,000 | $ 64,000 |
| Pittsfield, MA | 11 | $ 1,738,000 | $ 158,000 | $ 78,000 |
| Sioux Falls, SD | 11 | $ 2,568,000 | $ 233,454 | $ 71,000 |
| Anderson, SC | 10 | $ 1,423,000 | $ 142,300 | $ 63,000 |
| Fargo, ND-MN | 10 | $ 1,599,000 | $ 159,900 | $ 93,000 |
| Glens Falls, NY | 10 | $ 2,808,000 | $ 280,800 | $ 136,000 |
| Lake Charles, LA | 10 | $ 1,065,000 | $ 106,500 | $ 58,000 |
| Wenatchee, WA | 10 | $ 1,832,000 | $ 183,200 | $ 148,000 |
| Bloomington, IN | 9 | $ 1,520,000 | $ 168,888 | $ 84,000 |
| Erie, PA | 9 | $ 1,114,000 | $ 123,777 | $ 74,000 |
| Farmington, NM | 9 | $ 1,078,000 | $ 119,777 | $ 70,000 |
| Greenville, NC | 9 | $ 1,072,000 | $ 119,111 | $ 59,000 |
| Holland-Grand Haven, MI | 9 | $ 1,011,000 | $ 112,333 | $ 64,000 |
| Jacksonville, NC | 9 | $ 988,000 | $ 109,777 | $ 63,000 |
| Kennewick-Richland-Pasco, WA | 9 | $ 1,463,000 | $ 162,555 | $ 73,000 |
| Madera, CA | 9 | $ 1,589,000 | $ 176,555 | $ 229,000 |
| Racine, WI | 9 | $ 1,702,000 | $ 189,111 | $ 86,000 |
| Redding, CA | 9 | $ 1,213,000 | $ 134,777 | $ 88,000 |
| Salisbury, MD | 9 | $ 955,000 | $ 106,111 | $ 63,000 |
| Topeka, KS | 9 | $ 1,471,000 | $ 163,444 | $ 62,000 |
| Tuscaloosa, AL | 9 | $ 1,589,000 | $ 176,555 | $ 60,000 |
| Wausau, WI | 9 | $ 1,471,000 | $ 163,444 | $ 81,000 |
| Charleston, WV | 8 | $ 952,000 | $ 119,000 | $ 68,000 |
| Eau Claire, WI | 8 | $ 819,000 | $ 102,375 | $ 58,000 |
| Fairbanks, AK | 8 | $ 1,038,000 | $ 129,750 | $ 78,000 |
| Fort Smith, AR-OK | 8 | $ 876,000 | $ 109,500 | $ 82,000 |
| Missoula, MT | 8 | $ 1,017,000 | $ 127,125 | $ 43,000 |
| Muskegon-Norton Shores, MI | 8 | $ 1,629,000 | $ 203,625 | $ 626,000 |
| Oshkosh-Neenah, WI | 8 | $ 863,000 | $ 107,875 | $ 48,000 |
| Owensboro, KY | 8 | $ 993,000 | $ 124,125 | $ 55,000 |
| Springfield, OH | 8 | $ 771,000 | $ 96,375 | $ 37,000 |
| Albany, GA | 7 | $ 432,000 | $ 61,714 | $ 44,000 |
| Brunswick, GA | 7 | $ 1,461,000 | $ 208,714 | $ 101,000 |
| Elkhart-Goshen, IN | 7 | $ 598,000 | $ 85,428 | $ 53,000 |
| Great Falls, MT | 7 | $ 771,000 | $ 110,142 | $ 57,000 |
| Gulfport-Biloxi, MS | 7 | $ 811,000 | $ 115,857 | $ 88,000 |
| Shreveport-Bossier City, LA | 7 | $ 967,000 | $ 138,142 | $ 87,000 |
| Sioux City, IA-NE-SD | 7 | $ 547,000 | $ 78,142 | $ 112,000 |
| Springfield, IL | 7 | $ 604,000 | $ 86,285 | $ 76,000 |
| Terre Haute, IN | 7 | $ 630,000 | $ 90,000 | $ 61,000 |
| Williamsport, PA | 7 | $ 1,002,000 | $ 143,142 | $ 68,000 |
| Alexandria, LA | 6 | $ 612,000 | $ 102,000 | $ 67,000 |
| Ames, IA | 6 | $ 737,000 | $ 122,833 | $ 83,000 |
| Anderson, IN | 6 | $ 520,000 | $ 86,666 | $ 36,000 |
| Beaumont-Port Arthur, TX | 6 | $ 651,000 | $ 108,500 | $ 111,000 |
| Columbus, IN | 6 | $ 979,000 | $ 163,166 | $ 99,000 |
| El Paso, TX | 6 | $ 725,000 | $ 120,833 | $ 33,000 |
| Elmira, NY | 6 | $ 337,000 | $ 56,166 | $ 43,000 |
| Grand Forks, ND-MN | 6 | $ 742,000 | $ 123,666 | $ 79,000 |
| Harrisonburg, VA | 6 | $ 805,000 | $ 134,166 | $ 91,000 |
| Johnstown, PA | 6 | $ 491,000 | $ 81,833 | $ 84,000 |
| La Crosse, WI-MN | 6 | $ 854,000 | $ 142,333 | $ 63,000 |
| Las Cruces, NM | 6 | $ 710,000 | $ 118,333 | $ 53,000 |
| Lewiston-Auburn, ME | 6 | $ 588,000 | $ 98,000 | $ 58,000 |
| Lubbock, TX | 6 | $ 800,000 | $ 133,333 | $ 43,000 |
| Morgantown, WV | 6 | $ 297,000 | $ 49,500 | $ 44,000 |
| Niles-Benton Harbor, MI | 6 | $ 1,088,000 | $ 181,333 | $ 40,000 |
| Rocky Mount, NC | 6 | $ 573,000 | $ 95,500 | $ 60,000 |
| Rome, GA | 6 | $ 482,000 | $ 80,333 | $ 79,000 |
| Saginaw-Saginaw Township North, MI | 6 | $ 1,568,000 | $ 261,333 | $ 191,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 736,000 | $ 122,666 | $ 64,000 |
| Yakima, WA | 6 | $ 1,523,000 | $ 253,833 | $ 120,000 |
| Battle Creek, MI | 5 | $ 532,000 | $ 106,400 | $ 72,000 |
| Billings, MT | 5 | $ 618,000 | $ 123,600 | $ 69,000 |
| Bloomington-Normal, IL | 5 | $ 644,000 | $ 128,800 | $ 108,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 1,021,000 | $ 204,200 | $ 85,000 |
| Florence, SC | 5 | $ 783,000 | $ 156,600 | $ 139,000 |
| Hanford-Corcoran, CA | 5 | $ 849,000 | $ 169,800 | $ 77,000 |
| Hattiesburg, MS | 5 | $ 397,000 | $ 79,400 | $ 48,000 |
| Hinesville-Fort Stewart, GA | 5 | $ 361,000 | $ 72,200 | $ 65,000 |
| Hot Springs, AR | 5 | $ 669,000 | $ 133,800 | $ 89,000 |
| Jackson, MI | 5 | $ 680,000 | $ 136,000 | $ 220,000 |
| Joplin, MO | 5 | $ 304,000 | $ 60,800 | $ 41,000 |
| McAllen-Edinburg-Pharr, TX | 5 | $ 1,071,000 | $ 214,200 | $ 249,000 |
| Monroe, LA | 5 | $ 556,000 | $ 111,200 | $ 61,000 |
| Monroe, MI | 5 | $ 544,000 | $ 108,800 | $ 49,000 |
| Parkersburg-Marietta, WV-OH | 5 | $ 322,000 | $ 64,400 | $ 45,000 |
| Pueblo, CO | 5 | $ 361,000 | $ 72,200 | $ 37,000 |
| St. Joseph, MO-KS | 5 | $ 336,000 | $ 67,200 | $ 32,000 |
| Warner Robins, GA | 5 | $ 748,000 | $ 149,600 | $ 44,000 |
| Yuma, AZ | 5 | $ 1,114,000 | $ 222,800 | $ 83,000 |
| Anniston-Oxford, AL | 4 | $ 474,000 | $ 118,500 | $ 46,000 |
| Auburn-Opelika, AL | 4 | $ 623,000 | $ 155,750 | $ 88,000 |
| Burlington, NC | 4 | $ 521,000 | $ 130,250 | $ 62,000 |
| Casper, WY | 4 | $ 489,000 | $ 122,250 | $ 51,000 |
| College Station-Bryan, TX | 4 | $ 580,000 | $ 145,000 | $ 36,000 |
| Corpus Christi, TX | 4 | $ 620,000 | $ 155,000 | $ 83,000 |
| Dalton, GA | 4 | $ 486,000 | $ 121,500 | $ 45,000 |
| Danville, VA | 4 | $ 678,000 | $ 169,500 | $ 88,000 |
| Decatur, IL | 4 | $ 253,000 | $ 63,250 | $ 67,000 |
| Dubuque, IA | 4 | $ 685,000 | $ 171,250 | $ 84,000 |
| El Centro, CA | 4 | $ 635,000 | $ 158,750 | $ 47,000 |
| Houma-Bayou Cane-Thibodaux, LA | 4 | $ 390,000 | $ 97,500 | $ 54,000 |
| Johnson City, TN | 4 | $ 665,000 | $ 166,250 | $ 87,000 |
| Kankakee-Bradley, IL | 4 | $ 546,000 | $ 136,500 | $ 60,000 |
| Lawton, OK | 4 | $ 379,000 | $ 94,750 | $ 70,000 |
| Lima, OH | 4 | $ 374,000 | $ 93,500 | $ 74,000 |
| Mansfield, OH | 4 | $ 576,000 | $ 144,000 | $ 235,000 |
| Muncie, IN | 4 | $ 462,000 | $ 115,500 | $ 56,000 |
| Pascagoula, MS | 4 | $ 528,000 | $ 132,000 | $ 177,000 |
| Sheboygan, WI | 4 | $ 797,000 | $ 199,250 | $ 77,000 |
| Sherman-Denison, TX | 4 | $ 456,000 | $ 114,000 | $ 28,000 |
| Wheeling, WV-OH | 4 | $ 296,000 | $ 74,000 | $ 69,000 |
| Altoona, PA | 3 | $ 224,000 | $ 74,666 | $ 47,000 |
| Cheyenne, WY | 3 | $ 224,000 | $ 74,666 | $ 52,000 |
| Clarksville, TN-KY | 3 | $ 229,000 | $ 76,333 | $ 101,000 |
| Cumberland, MD-WV | 3 | $ 166,000 | $ 55,333 | $ 47,000 |
| Dothan, AL | 3 | $ 224,000 | $ 74,666 | $ 45,000 |
| Florence-Muscle Shoals, AL | 3 | $ 141,000 | $ 47,000 | $ 75,000 |
| Fond Du Lac, WI | 3 | $ 659,000 | $ 219,666 | $ 161,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 213,000 | $ 71,000 | $ 54,000 |
| Idaho Falls, ID | 3 | $ 500,000 | $ 166,666 | $ 83,000 |
| Jonesboro, AR | 3 | $ 455,000 | $ 151,666 | $ 126,000 |
| Killeen-Temple-Fort Hood, TX | 3 | $ 280,000 | $ 93,333 | $ 62,000 |
| Laredo, TX | 3 | $ 419,000 | $ 139,666 | $ 45,000 |
| Lewiston, ID-WA | 3 | $ 411,000 | $ 137,000 | $ 64,000 |
| Longview, WA | 3 | $ 375,000 | $ 125,000 | $ 26,000 |
| Michigan City-La Porte, IN | 3 | $ 102,000 | $ 34,000 | $ 31,000 |
| Sandusky, OH | 3 | $ 626,000 | $ 208,666 | $ 140,000 |
| Tyler, TX | 3 | $ 504,000 | $ 168,000 | $ 111,000 |
| Amarillo, TX | 2 | $ 283,000 | $ 141,500 | $ 73,000 |
| Bay City, MI | 2 | $ 201,000 | $ 100,500 | $ 68,000 |
| Decatur, AL | 2 | $ 229,000 | $ 114,500 | $ 56,000 |
| Elizabethtown, KY | 2 | $ 120,000 | $ 60,000 | $ 25,000 |
| Goldsboro, NC | 2 | $ 266,000 | $ 133,000 | $ 73,000 |
| Jackson, TN | 2 | $ 103,000 | $ 51,500 | $ 58,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 133,000 | $ 66,500 | $ 88,000 |
| Logan, UT-ID | 2 | $ 275,000 | $ 137,500 | $ 57,000 |
| Morristown, TN | 2 | $ 235,000 | $ 117,500 | $ 62,000 |
| Pocatello, ID | 2 | $ 227,000 | $ 113,500 | $ 73,000 |
| Sumter, SC | 2 | $ 168,000 | $ 84,000 | $ 73,000 |
| Valdosta, GA | 2 | $ 205,000 | $ 102,500 | $ 92,000 |
| Victoria, TX | 2 | $ 222,000 | $ 111,000 | $ 118,000 |
| Waco, TX | 2 | $ 506,000 | $ 253,000 | $ 30,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 80,000 | $ 40,000 | $ 24,000 |
| Bismarck, ND | 1 | $ 177,000 | $ 177,000 | $ 108,000 |
| Bowling Green, KY | 1 | $ 127,000 | $ 127,000 | $ 78,000 |
| Cleveland, TN | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Jefferson City, MO | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Kokomo, IN | 1 | $ 115,000 | $ 115,000 | $ 9,000 |
| Midland, TX | 1 | $ 473,000 | $ 473,000 | $ 222,000 |
| Odessa, TX | 1 | $ 112,000 | $ 112,000 | $ 80,000 |
| Rapid City, SD | 1 | $ 123,000 | $ 123,000 | $ 100,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 111,000 | $ 111,000 | $ 68,000 |
| Wichita Falls, TX | 1 | $ 58,000 | $ 58,000 | $ 49,000 |
Mortgage Loan Application Detail Totals for Ing Bank, FSB in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 23,867 | $5,790,333,000 | $192,057 | $8,000,000 | $85,923 | $9,211,000 |
| Home Purchase | 19,814 | $5,989,935,000 | $239,307 | $3,600,000 | $100,750 | $9,300,000 |
| Home Improvement | 77 | $28,170,000 | $339,000 | $997,000 | $6,739 | $100,000 |
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 | 16,518 | $3,566,567,000 | $177,192 | $8,000,000 | $98,923 | $9,300,000 |
| Not applicable | 12,286 | $4,680,989,000 | $339,346 | $1,190,000 | $63,903 | $9,211,000 |
| Not Provided | 9,936 | $2,369,509,000 | $183,153 | $4,275,000 | $96,134 | $7,303,000 |
| Asian | 2,863 | $761,913,000 | $193,448 | $1,750,000 | $96,877 | $976,000 |
| Hispanic | 986 | $212,606,000 | $176,365 | $845,000 | $81,829 | $4,700,000 |
| Black or African American | 871 | $151,222,000 | $157,422 | $1,050,000 | $91,200 | $1,400,000 |
| American Indian or Alaskan Native | 202 | $40,623,000 | $172,815 | $840,000 | $85,552 | $4,805,000 |
| Native Hawaiian or Other Pacific Islander | 96 | $25,009,000 | $210,708 | $690,000 | $119,041 | $862,000 |
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) | 43,654 | $11,793,161,000 | $212,865 | $8,000,000 | $91,730 | $9,300,000 |
| FHA-insured (Federal Housing Administration) | 77 | $9,436,000 | $217,555 | $700,000 | $81,333 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $3,450,000 | $166,083 | $525,000 | $103,500 | $273,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,391,000 | $285,333 | $584,000 | $137,333 | $293,000 |
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 | 12,910 | $4,974,120,000 | $344,807 | $1,190,000 | $101,000 | $9,211,000 |
| Application Denied By Financial Institution | 10,066 | $2,107,860,000 | $168,653 | $8,000,000 | $82,673 | $9,059,000 |
| Loan Originated | 9,519 | $2,103,171,000 | $175,423 | $1,925,000 | $99,961 | $6,143,000 |
| Application Approved But Not Accepted | 9,048 | $2,049,808,000 | $178,076 | $2,000,000 | $94,211 | $9,300,000 |
| Preapproval Approved but not Accepted | 1,474 | $374,039,000 | $253,000 | $2,000,000 | $102,000 | $7,303,000 |
| Preapproval Denied by Financial Institution | 551 | $152,450,000 | $276,000 | $1,674,000 | $111,000 | $1,800,000 |
| Application Withdrawn By Applicant | 187 | $46,572,000 | $181,111 | $4,275,000 | $90,638 | $410,000 |
| File Closed For Incompleteness | 3 | $418,000 | $139,333 | $318,000 | $107,666 | $121,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 5,843 | $1,150,497,000 | $164,115 | $8,000,000 | $84,365 | $9,059,000 |
| Collateral | 2,609 | $658,629,000 | $193,400 | $2,000,000 | $100,180 | $3,045,000 |
| Debt-To-Income Ratio | 1,809 | $383,290,000 | $161,057 | $1,800,000 | $56,961 | $725,000 |
| Other | 240 | $42,505,000 | $148,307 | $578,000 | $98,717 | $675,000 |
| Employment History | 64 | $14,516,000 | $178,173 | $1,080,000 | $79,826 | $750,000 |
| Unverifiable Information | 36 | $6,101,000 | $147,105 | $1,110,000 | $82,210 | $450,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $3,331,000 | $272,000 | $784,000 | $115,000 | $300,000 |
| Mortgage Insurance Denied | 3 | $1,056,000 | $352,000 | $450,000 | $217,333 | $451,000 |
| Credit Application Incomplete | 2 | $385,000 | $192,500 | $310,000 | $50,000 | $65,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ing Bank, FSB's 2004 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 Ing Bank, FSB'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 Delaware, download the full spreadsheet
with aggregated HMDA statistics today.
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