Mbna America Delaware, N.A. Mortgage Lending & HMDA Data, 2006
In 2006, Mbna America Delaware, N.A. of Charlotte, NC reported 11,592 mortgage applications totaling $1.5 billion, down 71% from 2005. The average application was for $126,872, and applicants reported an average income of $78,718. 9% of its applications resulted in an originated loan and 47% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (344), Chicago-Naperville-Joliet, IL (314) and Atlanta-Sandy Springs-Marietta, GA (280) (applications in parentheses).
| Mortgage Company & Address | Mbna America Delaware, N.A. 200 N College St Nc1-004-04-13 Charlotte, NC 28255 |
| Federal Regulator | * available with data download |
| Years | 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,592 |
| Total Mortgage Loan Application Amount | $1,470,702,000 |
| Average Mortgage Loan Application Amount | $126,872 |
| Highest Mortgage Loan Application Amount | $1,295,000 |
| Average Applicant Income | $78,718 |
| Highest Applicant Income | $6,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mbna America Delaware, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 344 | $ 78,264,000 | $ 227,511 | $ 99,555 |
| Chicago-Naperville-Joliet, IL | 314 | $ 42,635,000 | $ 135,780 | $ 83,000 |
| Atlanta-Sandy Springs-Marietta, GA | 280 | $ 32,107,000 | $ 114,667 | $ 79,000 |
| Philadelphia, PA | 235 | $ 28,993,000 | $ 123,374 | $ 85,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 176 | $ 32,236,000 | $ 183,159 | $ 91,920 |
| Nassau-Suffolk, NY | 172 | $ 33,252,000 | $ 193,325 | $ 104,000 |
| Los Angeles-Long Beach-Glendale, CA | 167 | $ 35,101,000 | $ 210,185 | $ 99,000 |
| Warren-Troy-Farmington Hills, MI | 167 | $ 21,100,000 | $ 126,347 | $ 97,000 |
| Edison, NJ | 155 | $ 26,680,000 | $ 172,129 | $ 89,000 |
| Cleveland-Elyria-Mentor, OH | 142 | $ 15,426,000 | $ 108,633 | $ 79,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 129 | $ 15,254,000 | $ 118,248 | $ 76,069 |
| St. Louis, MO-IL | 129 | $ 11,135,000 | $ 86,317 | $ 71,124 |
| Detroit-Livonia-Dearborn, MI | 128 | $ 11,396,000 | $ 89,031 | $ 64,000 |
| Newark-Union, NJ-PA | 126 | $ 22,816,000 | $ 181,079 | $ 93,761 |
| Denver-Aurora, CO | 123 | $ 14,612,000 | $ 118,796 | $ 85,000 |
| Baltimore-Towson, MD | 122 | $ 17,996,000 | $ 147,508 | $ 86,000 |
| Riverside-San Bernardino-Ontario, CA | 115 | $ 20,822,000 | $ 181,060 | $ 90,000 |
| Pittsburgh, PA | 113 | $ 9,791,000 | $ 86,646 | $ 119,000 |
| Tampa-St. Petersburg-Clearwater, FL | 108 | $ 11,855,000 | $ 109,768 | $ 66,000 |
| Phoenix-Mesa-Scottsdale, AZ | 103 | $ 14,981,000 | $ 145,446 | $ 83,000 |
| Miami-Miami Beach-Kendall, FL | 98 | $ 16,749,000 | $ 170,908 | $ 82,000 |
| Cincinnati-Middletown, OH-KY-IN | 96 | $ 9,720,000 | $ 101,250 | $ 74,927 |
| Kansas City, MO-KS | 94 | $ 8,306,000 | $ 88,361 | $ 64,627 |
| Indianapolis-Carmel, IN | 91 | $ 8,725,000 | $ 95,879 | $ 71,000 |
| Camden, NJ | 89 | $ 11,496,000 | $ 129,168 | $ 76,000 |
| Charlotte-Gastonia-Concord, NC-SC | 87 | $ 8,499,000 | $ 97,689 | $ 70,517 |
| Providence-New Bedford-Fall River, RI-MA | 85 | $ 11,799,000 | $ 138,811 | $ 90,058 |
| Columbus, OH | 84 | $ 8,619,000 | $ 102,607 | $ 76,000 |
| Orlando-Kissimmee, FL | 83 | $ 11,710,000 | $ 141,084 | $ 74,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 83 | $ 9,233,000 | $ 111,240 | $ 78,698 |
| Seattle-Bellevue-Everett, WA | 80 | $ 11,596,000 | $ 144,950 | $ 95,000 |
| Boston-Quincy, MA | 78 | $ 13,269,000 | $ 170,115 | $ 82,000 |
| Nashville-Davidson--Murfreesboro, TN | 77 | $ 6,927,000 | $ 89,961 | $ 65,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 74 | $ 12,694,000 | $ 171,540 | $ 82,000 |
| Cambridge-Newton-Framingham, MA | 69 | $ 10,898,000 | $ 157,942 | $ 76,000 |
| Hartford-West Hartford-East Hartford, CT | 69 | $ 8,800,000 | $ 127,536 | $ 85,000 |
| New Haven-Milford, CT | 68 | $ 8,766,000 | $ 128,911 | $ 77,000 |
| Las Vegas-Paradise, NV | 66 | $ 11,408,000 | $ 172,848 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 66 | $ 8,869,000 | $ 134,378 | $ 73,000 |
| Richmond, VA | 66 | $ 7,371,000 | $ 111,681 | $ 69,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 59 | $ 10,977,000 | $ 186,050 | $ 80,000 |
| Bethesda-Gaithersburg-Frederick, MD | 58 | $ 12,102,000 | $ 208,655 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 58 | $ 14,249,000 | $ 245,672 | $ 109,000 |
| San Diego-Carlsbad-San Marcos, CA | 58 | $ 13,462,000 | $ 232,103 | $ 93,000 |
| Santa Ana-Anaheim-Irvine, CA | 58 | $ 14,486,000 | $ 249,758 | $ 117,000 |
| Birmingham-Hoover, AL | 56 | $ 4,932,000 | $ 88,071 | $ 60,000 |
| Jacksonville, FL | 56 | $ 7,425,000 | $ 132,589 | $ 73,000 |
| Portland-Vancouver-Beaverton, OR-WA | 55 | $ 6,549,000 | $ 119,072 | $ 89,727 |
| Louisville-Jefferson County, KY-IN | 54 | $ 4,852,000 | $ 89,851 | $ 63,111 |
| Worcester, MA | 52 | $ 7,511,000 | $ 144,442 | $ 92,000 |
| Buffalo-Niagara Falls, NY | 51 | $ 3,841,000 | $ 75,313 | $ 69,000 |
| Memphis, TN-MS-AR | 51 | $ 5,423,000 | $ 106,333 | $ 72,588 |
| Raleigh-Cary, NC | 51 | $ 5,750,000 | $ 112,745 | $ 89,000 |
| Rochester, NY | 51 | $ 4,918,000 | $ 96,431 | $ 76,000 |
| Salt Lake City, UT | 48 | $ 6,735,000 | $ 140,312 | $ 87,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 47 | $ 6,217,000 | $ 132,276 | $ 118,000 |
| Wilmington, DE-MD-NJ | 46 | $ 6,708,000 | $ 145,826 | $ 90,065 |
| Bridgeport-Stamford-Norwalk, CT | 45 | $ 8,489,000 | $ 188,644 | $ 98,000 |
| Gary, IN | 45 | $ 3,856,000 | $ 85,688 | $ 67,000 |
| Albuquerque, NM | 44 | $ 3,804,000 | $ 86,454 | $ 69,000 |
| Toledo, OH | 44 | $ 3,304,000 | $ 75,090 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 43 | $ 14,064,000 | $ 327,069 | $ 101,000 |
| Akron, OH | 42 | $ 4,241,000 | $ 100,976 | $ 59,000 |
| Columbia, SC | 41 | $ 3,317,000 | $ 80,902 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 38 | $ 4,104,000 | $ 108,000 | $ 69,000 |
| Oklahoma City, OK | 38 | $ 2,739,000 | $ 72,078 | $ 68,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 37 | $ 4,035,000 | $ 109,054 | $ 77,027 |
| Dayton, OH | 37 | $ 3,125,000 | $ 84,459 | $ 71,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 37 | $ 5,489,000 | $ 148,351 | $ 87,000 |
| Springfield, MA | 37 | $ 3,466,000 | $ 93,675 | $ 70,000 |
| Lake County-Kenosha County, IL-WI | 36 | $ 4,871,000 | $ 135,305 | $ 97,000 |
| San Francisco-San Mateo-Redwood City, CA | 35 | $ 9,867,000 | $ 281,914 | $ 119,000 |
| Youngstown-Warren-Boardman, OH-PA | 34 | $ 2,602,000 | $ 76,529 | $ 59,941 |
| Essex County, MA | 33 | $ 5,985,000 | $ 181,363 | $ 100,000 |
| Flint, MI | 32 | $ 3,295,000 | $ 102,968 | $ 60,000 |
| New Orleans-Metairie-Kenner, LA | 32 | $ 3,190,000 | $ 99,687 | $ 85,000 |
| York-Hanover, PA | 32 | $ 3,240,000 | $ 101,250 | $ 71,000 |
| Chattanooga, TN-GA | 31 | $ 2,745,000 | $ 88,548 | $ 67,419 |
| Baton Rouge, LA | 30 | $ 2,361,000 | $ 78,700 | $ 62,000 |
| Tucson, AZ | 30 | $ 3,323,000 | $ 110,766 | $ 72,000 |
| Tulsa, OK | 30 | $ 2,494,000 | $ 83,133 | $ 75,000 |
| Cape Coral-Fort Myers, FL | 29 | $ 3,806,000 | $ 131,241 | $ 67,000 |
| Colorado Springs, CO | 29 | $ 2,984,000 | $ 102,896 | $ 77,000 |
| Omaha-Council Bluffs, NE-IA | 29 | $ 2,388,000 | $ 82,344 | $ 89,724 |
| Tacoma, WA | 29 | $ 3,233,000 | $ 111,482 | $ 69,000 |
| Anchorage, AK | 28 | $ 4,274,000 | $ 152,642 | $ 130,000 |
| Canton-Massillon, OH | 28 | $ 2,816,000 | $ 100,571 | $ 50,000 |
| Charleston-North Charleston, SC | 28 | $ 3,505,000 | $ 125,178 | $ 74,000 |
| Knoxville, TN | 28 | $ 2,596,000 | $ 92,714 | $ 69,000 |
| Syracuse, NY | 28 | $ 1,925,000 | $ 68,750 | $ 55,000 |
| Lansing-East Lansing, MI | 27 | $ 2,114,000 | $ 78,296 | $ 64,000 |
| Portland-South Portland-Biddeford, ME | 27 | $ 3,193,000 | $ 118,259 | $ 78,000 |
| Scranton--Wilkes-Barre, PA | 27 | $ 2,494,000 | $ 92,370 | $ 61,000 |
| Trenton-Ewing, NJ | 26 | $ 3,642,000 | $ 140,076 | $ 80,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 24 | $ 3,351,000 | $ 139,625 | $ 54,750 |
| Harrisburg-Carlisle, PA | 24 | $ 1,821,000 | $ 75,875 | $ 75,000 |
| Little Rock-North Little Rock, AR | 24 | $ 1,795,000 | $ 74,791 | $ 101,000 |
| Stockton, CA | 24 | $ 3,158,000 | $ 131,583 | $ 72,000 |
| Asheville, NC | 23 | $ 2,783,000 | $ 121,000 | $ 56,000 |
| Greensboro-High Point, NC | 23 | $ 1,886,000 | $ 82,000 | $ 50,000 |
| Hagerstown-Martinsburg, MD-WV | 23 | $ 2,971,000 | $ 129,173 | $ 53,478 |
| Lancaster, PA | 23 | $ 3,334,000 | $ 144,956 | $ 78,000 |
| Rockingham County-Strafford County, NH | 23 | $ 3,303,000 | $ 143,608 | $ 69,000 |
| Ann Arbor, MI | 22 | $ 2,402,000 | $ 109,181 | $ 93,000 |
| Grand Rapids-Wyoming, MI | 22 | $ 1,775,000 | $ 80,681 | $ 67,000 |
| Madison, WI | 22 | $ 1,858,000 | $ 84,454 | $ 62,000 |
| Wichita, KS | 22 | $ 1,885,000 | $ 85,681 | $ 72,000 |
| Durham, NC | 21 | $ 1,732,000 | $ 82,476 | $ 71,000 |
| Springfield, MO | 21 | $ 1,631,000 | $ 77,666 | $ 56,000 |
| Fresno, CA | 20 | $ 3,864,000 | $ 193,200 | $ 99,000 |
| Honolulu, HI | 20 | $ 4,182,000 | $ 209,100 | $ 94,000 |
| Kalamazoo-Portage, MI | 20 | $ 1,703,000 | $ 85,150 | $ 51,000 |
| Mobile, AL | 20 | $ 2,096,000 | $ 104,800 | $ 84,000 |
| Palm Bay-Melbourne-Titusville, FL | 20 | $ 3,631,000 | $ 181,550 | $ 98,000 |
| Pensacola-Ferry Pass-Brent, FL | 20 | $ 2,965,000 | $ 148,250 | $ 70,000 |
| Augusta-Richmond County, GA-SC | 19 | $ 1,648,000 | $ 86,736 | $ 83,315 |
| Greenville, SC | 19 | $ 1,824,000 | $ 96,000 | $ 72,000 |
| Huntsville, AL | 19 | $ 1,947,000 | $ 102,473 | $ 78,000 |
| Norwich-New London, CT | 19 | $ 3,674,000 | $ 193,368 | $ 82,000 |
| Ogden-Clearfield, UT | 19 | $ 1,893,000 | $ 99,631 | $ 88,000 |
| Reno-Sparks, NV | 19 | $ 2,976,000 | $ 156,631 | $ 64,000 |
| Boise City-Nampa, ID | 18 | $ 1,623,000 | $ 90,166 | $ 63,000 |
| Jackson, MS | 18 | $ 1,795,000 | $ 99,722 | $ 76,000 |
| Roanoke, VA | 18 | $ 2,307,000 | $ 128,166 | $ 49,000 |
| South Bend-Mishawaka, IN-MI | 18 | $ 1,634,000 | $ 90,777 | $ 77,166 |
| Wilmington, NC | 18 | $ 3,592,000 | $ 199,555 | $ 204,000 |
| Winston-Salem, NC | 18 | $ 1,929,000 | $ 107,166 | $ 65,000 |
| Atlantic City, NJ | 17 | $ 2,710,000 | $ 159,411 | $ 79,000 |
| Barnstable Town, MA | 17 | $ 3,483,000 | $ 204,882 | $ 60,000 |
| Des Moines-West Des Moines, IA | 17 | $ 1,674,000 | $ 98,470 | $ 95,000 |
| Hickory-Lenoir-Morganton, NC | 17 | $ 1,701,000 | $ 100,058 | $ 72,000 |
| Manchester-Nashua, NH | 17 | $ 2,157,000 | $ 126,882 | $ 110,000 |
| Montgomery, AL | 17 | $ 1,267,000 | $ 74,529 | $ 58,000 |
| Provo-Orem, UT | 17 | $ 1,362,000 | $ 80,117 | $ 103,000 |
| Sarasota-Bradenton-Venice, FL | 17 | $ 3,210,000 | $ 188,823 | $ 68,000 |
| Savannah, GA | 17 | $ 1,820,000 | $ 107,058 | $ 59,000 |
| Greeley, CO | 16 | $ 1,782,000 | $ 111,375 | $ 67,000 |
| Green Bay, WI | 16 | $ 921,000 | $ 57,562 | $ 75,000 |
| Lexington-Fayette, KY | 16 | $ 1,554,000 | $ 97,125 | $ 66,000 |
| Lynchburg, VA | 16 | $ 1,167,000 | $ 72,937 | $ 47,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 16 | $ 1,801,000 | $ 112,562 | $ 51,000 |
| Tallahassee, FL | 16 | $ 1,882,000 | $ 117,625 | $ 67,000 |
| Evansville, IN-KY | 15 | $ 1,089,000 | $ 72,600 | $ 75,600 |
| Fort Collins-Loveland, CO | 15 | $ 1,571,000 | $ 104,733 | $ 70,000 |
| Fort Wayne, IN | 15 | $ 1,314,000 | $ 87,600 | $ 67,000 |
| Houma-Bayou Cane-Thibodaux, LA | 15 | $ 1,590,000 | $ 106,000 | $ 56,000 |
| Houston-Sugar Land-Baytown, TX | 15 | $ 2,138,000 | $ 142,533 | $ 88,000 |
| Panama City-Lynn Haven, FL | 15 | $ 2,160,000 | $ 144,000 | $ 70,000 |
| Reading, PA | 15 | $ 1,626,000 | $ 108,400 | $ 58,000 |
| Shreveport-Bossier City, LA | 15 | $ 1,483,000 | $ 98,866 | $ 85,000 |
| Charleston, WV | 14 | $ 1,257,000 | $ 89,785 | $ 80,000 |
| Huntington-Ashland, WV-KY-OH | 14 | $ 952,000 | $ 68,000 | $ 63,857 |
| Kennewick-Richland-Pasco, WA | 14 | $ 1,426,000 | $ 101,857 | $ 67,000 |
| Peoria, IL | 14 | $ 1,504,000 | $ 107,428 | $ 66,000 |
| Port St. Lucie-Fort Pierce, FL | 14 | $ 1,677,000 | $ 119,785 | $ 75,000 |
| Bangor, ME | 13 | $ 1,538,000 | $ 118,307 | $ 69,000 |
| Fayetteville, NC | 13 | $ 1,498,000 | $ 115,230 | $ 81,000 |
| Kingsport-Bristol-Bristol, TN-VA | 13 | $ 1,178,000 | $ 90,615 | $ 52,769 |
| Olympia, WA | 13 | $ 1,876,000 | $ 144,307 | $ 69,000 |
| Davenport-Moline-Rock Island, IA-IL | 12 | $ 836,000 | $ 69,666 | $ 51,000 |
| Flagstaff, AZ | 12 | $ 1,748,000 | $ 145,666 | $ 60,000 |
| Jackson, MI | 12 | $ 1,467,000 | $ 122,250 | $ 50,000 |
| Lincoln, NE | 12 | $ 1,046,000 | $ 87,166 | $ 76,000 |
| Naples-Marco Island, FL | 12 | $ 1,568,000 | $ 130,666 | $ 65,000 |
| Ocala, FL | 12 | $ 1,912,000 | $ 159,333 | $ 107,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 2,910,000 | $ 242,500 | $ 65,000 |
| Rockford, IL | 12 | $ 656,000 | $ 54,666 | $ 53,000 |
| Spartanburg, SC | 12 | $ 1,208,000 | $ 100,666 | $ 53,000 |
| Visalia-Porterville, CA | 12 | $ 1,715,000 | $ 142,916 | $ 73,000 |
| Anderson, SC | 11 | $ 1,050,000 | $ 95,454 | $ 67,000 |
| Cumberland, MD-WV | 11 | $ 1,233,000 | $ 112,090 | $ 70,545 |
| Deltona-Daytona Beach-Ormond Beach, FL | 11 | $ 814,000 | $ 74,000 | $ 45,000 |
| Florence-Muscle Shoals, AL | 11 | $ 590,000 | $ 53,636 | $ 62,000 |
| Lafayette, LA | 11 | $ 950,000 | $ 86,363 | $ 58,000 |
| Muncie, IN | 11 | $ 884,000 | $ 80,363 | $ 52,000 |
| Prescott, AZ | 11 | $ 2,046,000 | $ 186,000 | $ 66,000 |
| Salem, OR | 11 | $ 1,023,000 | $ 93,000 | $ 51,000 |
| Salisbury, MD | 11 | $ 1,487,000 | $ 135,181 | $ 76,000 |
| Santa Barbara-Santa Maria, CA | 11 | $ 2,656,000 | $ 241,454 | $ 83,000 |
| Springfield, IL | 11 | $ 944,000 | $ 85,818 | $ 81,000 |
| Utica-Rome, NY | 11 | $ 1,290,000 | $ 117,272 | $ 84,000 |
| Vineland-Millville-Bridgeton, NJ | 11 | $ 1,005,000 | $ 91,363 | $ 58,000 |
| Bay City, MI | 10 | $ 802,000 | $ 80,200 | $ 59,000 |
| Cedar Rapids, IA | 10 | $ 625,000 | $ 62,500 | $ 58,000 |
| Columbus, GA-AL | 10 | $ 1,066,000 | $ 106,600 | $ 71,800 |
| Dallas-Plano-Irving, TX | 10 | $ 1,580,000 | $ 158,000 | $ 103,000 |
| Dover, DE | 10 | $ 1,434,000 | $ 143,400 | $ 110,000 |
| Eugene-Springfield, OR | 10 | $ 1,215,000 | $ 121,500 | $ 348,000 |
| Kingston, NY | 10 | $ 1,378,000 | $ 137,800 | $ 108,000 |
| Lakeland, FL | 10 | $ 924,000 | $ 92,400 | $ 71,000 |
| Niles-Benton Harbor, MI | 10 | $ 1,473,000 | $ 147,300 | $ 57,000 |
| Saginaw-Saginaw Township North, MI | 10 | $ 758,000 | $ 75,800 | $ 68,000 |
| Santa Fe, NM | 10 | $ 1,225,000 | $ 122,500 | $ 83,000 |
| Altoona, PA | 9 | $ 558,000 | $ 62,000 | $ 62,000 |
| Appleton, WI | 9 | $ 803,000 | $ 89,222 | $ 65,000 |
| Athens-Clarke County, GA | 9 | $ 796,000 | $ 88,444 | $ 46,000 |
| Binghamton, NY | 9 | $ 662,000 | $ 73,555 | $ 50,000 |
| Blacksburg-Christiansburg-Radford, VA | 9 | $ 973,000 | $ 108,111 | $ 100,000 |
| Bloomington, IN | 9 | $ 688,000 | $ 76,444 | $ 78,000 |
| Bremerton-Silverdale, WA | 9 | $ 1,177,000 | $ 130,777 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 9 | $ 949,000 | $ 105,444 | $ 45,000 |
| Ocean City, NJ | 9 | $ 2,511,000 | $ 279,000 | $ 283,000 |
| Salinas, CA | 9 | $ 1,343,000 | $ 149,222 | $ 138,000 |
| Tuscaloosa, AL | 9 | $ 987,000 | $ 109,666 | $ 108,000 |
| Albany, GA | 8 | $ 583,000 | $ 72,875 | $ 66,000 |
| Auburn-Opelika, AL | 8 | $ 1,030,000 | $ 128,750 | $ 174,000 |
| Billings, MT | 8 | $ 486,000 | $ 60,750 | $ 76,000 |
| Gainesville, GA | 8 | $ 625,000 | $ 78,125 | $ 72,000 |
| Gulfport-Biloxi, MS | 8 | $ 920,000 | $ 115,000 | $ 54,000 |
| Joplin, MO | 8 | $ 564,000 | $ 70,500 | $ 51,000 |
| Lebanon, PA | 8 | $ 614,000 | $ 76,750 | $ 45,000 |
| Macon, GA | 8 | $ 441,000 | $ 55,125 | $ 47,000 |
| Merced, CA | 8 | $ 1,705,000 | $ 213,125 | $ 92,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 8 | $ 508,000 | $ 63,500 | $ 44,000 |
| Pocatello, ID | 8 | $ 974,000 | $ 121,750 | $ 73,000 |
| Punta Gorda, FL | 8 | $ 1,525,000 | $ 190,625 | $ 92,000 |
| Racine, WI | 8 | $ 1,059,000 | $ 132,375 | $ 42,000 |
| Weirton-Steubenville, WV-OH | 8 | $ 772,000 | $ 96,500 | $ 47,875 |
| Austin-Round Rock, TX | 7 | $ 1,274,000 | $ 182,000 | $ 70,000 |
| Boulder, CO | 7 | $ 648,000 | $ 92,571 | $ 92,000 |
| Duluth, MN-WI | 7 | $ 509,000 | $ 72,714 | $ 54,000 |
| El Centro, CA | 7 | $ 658,000 | $ 94,000 | $ 97,000 |
| Elkhart-Goshen, IN | 7 | $ 577,000 | $ 82,428 | $ 118,000 |
| Glens Falls, NY | 7 | $ 1,092,000 | $ 156,000 | $ 74,000 |
| Holland-Grand Haven, MI | 7 | $ 910,000 | $ 130,000 | $ 80,000 |
| Idaho Falls, ID | 7 | $ 751,000 | $ 107,285 | $ 60,000 |
| Jefferson City, MO | 7 | $ 637,000 | $ 91,000 | $ 50,000 |
| Johnson City, TN | 7 | $ 627,000 | $ 89,571 | $ 109,000 |
| Longview, WA | 7 | $ 751,000 | $ 107,285 | $ 52,000 |
| Mansfield, OH | 7 | $ 470,000 | $ 67,142 | $ 50,000 |
| Modesto, CA | 7 | $ 1,039,000 | $ 148,428 | $ 77,000 |
| Monroe, MI | 7 | $ 543,000 | $ 77,571 | $ 73,000 |
| Pueblo, CO | 7 | $ 764,000 | $ 109,142 | $ 83,000 |
| Rapid City, SD | 7 | $ 728,000 | $ 104,000 | $ 61,000 |
| Rochester, MN | 7 | $ 552,000 | $ 78,857 | $ 103,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 1,058,000 | $ 151,142 | $ 70,000 |
| Sioux Falls, SD | 7 | $ 708,000 | $ 101,142 | $ 73,000 |
| Yakima, WA | 7 | $ 503,000 | $ 71,857 | $ 45,000 |
| Anderson, IN | 6 | $ 754,000 | $ 125,666 | $ 72,000 |
| Anniston-Oxford, AL | 6 | $ 466,000 | $ 77,666 | $ 97,000 |
| Bakersfield, CA | 6 | $ 568,000 | $ 94,666 | $ 81,000 |
| Chico, CA | 6 | $ 1,538,000 | $ 256,333 | $ 133,000 |
| Clarksville, TN-KY | 6 | $ 601,000 | $ 100,166 | $ 75,000 |
| Dothan, AL | 6 | $ 480,000 | $ 80,000 | $ 54,000 |
| Eau Claire, WI | 6 | $ 437,000 | $ 72,833 | $ 45,000 |
| Erie, PA | 6 | $ 376,000 | $ 62,666 | $ 52,000 |
| Florence, SC | 6 | $ 351,000 | $ 58,500 | $ 87,000 |
| Fort Smith, AR-OK | 6 | $ 429,000 | $ 71,500 | $ 83,500 |
| Kokomo, IN | 6 | $ 317,000 | $ 52,833 | $ 90,000 |
| La Crosse, WI-MN | 6 | $ 761,000 | $ 126,833 | $ 86,333 |
| Lafayette, IN | 6 | $ 684,000 | $ 114,000 | $ 116,000 |
| Morgantown, WV | 6 | $ 663,000 | $ 110,500 | $ 60,000 |
| Spokane, WA | 6 | $ 815,000 | $ 135,833 | $ 69,000 |
| Topeka, KS | 6 | $ 455,000 | $ 75,833 | $ 61,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,448,000 | $ 241,333 | $ 102,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 497,000 | $ 82,833 | $ 87,000 |
| Wheeling, WV-OH | 6 | $ 341,000 | $ 56,833 | $ 43,500 |
| Yuba City, CA | 6 | $ 872,000 | $ 145,333 | $ 68,000 |
| Yuma, AZ | 6 | $ 1,327,000 | $ 221,166 | $ 111,000 |
| Bismarck, ND | 5 | $ 694,000 | $ 138,800 | $ 94,000 |
| Bloomington-Normal, IL | 5 | $ 449,000 | $ 89,800 | $ 97,000 |
| Burlington, NC | 5 | $ 358,000 | $ 71,600 | $ 42,000 |
| Coeur D'Alene, ID | 5 | $ 986,000 | $ 197,200 | $ 57,000 |
| Decatur, AL | 5 | $ 302,000 | $ 60,400 | $ 47,000 |
| Fairbanks, AK | 5 | $ 280,000 | $ 56,000 | $ 40,000 |
| Gainesville, FL | 5 | $ 835,000 | $ 167,000 | $ 72,000 |
| Hinesville-Fort Stewart, GA | 5 | $ 261,000 | $ 52,200 | $ 59,000 |
| Hot Springs, AR | 5 | $ 665,000 | $ 133,000 | $ 74,000 |
| Ithaca, NY | 5 | $ 691,000 | $ 138,200 | $ 54,000 |
| Jacksonville, NC | 5 | $ 297,000 | $ 59,400 | $ 52,000 |
| Janesville, WI | 5 | $ 685,000 | $ 137,000 | $ 71,000 |
| Johnstown, PA | 5 | $ 422,000 | $ 84,400 | $ 63,000 |
| Jonesboro, AR | 5 | $ 423,000 | $ 84,600 | $ 63,000 |
| Kankakee-Bradley, IL | 5 | $ 513,000 | $ 102,600 | $ 71,000 |
| Lawrence, KS | 5 | $ 251,000 | $ 50,200 | $ 79,000 |
| Lima, OH | 5 | $ 381,000 | $ 76,200 | $ 74,000 |
| Logan, UT-ID | 5 | $ 406,000 | $ 81,200 | $ 64,000 |
| Monroe, LA | 5 | $ 280,000 | $ 56,000 | $ 89,000 |
| Morristown, TN | 5 | $ 648,000 | $ 129,600 | $ 71,000 |
| Sandusky, OH | 5 | $ 437,000 | $ 87,400 | $ 69,000 |
| Sheboygan, WI | 5 | $ 252,000 | $ 50,400 | $ 70,000 |
| St. George, UT | 5 | $ 1,048,000 | $ 209,600 | $ 159,000 |
| State College, PA | 5 | $ 560,000 | $ 112,000 | $ 54,000 |
| Warner Robins, GA | 5 | $ 474,000 | $ 94,800 | $ 60,000 |
| Wenatchee, WA | 5 | $ 430,000 | $ 86,000 | $ 48,000 |
| Burlington-South Burlington, VT | 4 | $ 436,000 | $ 109,000 | $ 69,000 |
| Champaign-Urbana, IL | 4 | $ 733,000 | $ 183,250 | $ 197,000 |
| Charlottesville, VA | 4 | $ 704,000 | $ 176,000 | $ 61,000 |
| Columbia, MO | 4 | $ 302,000 | $ 75,500 | $ 36,000 |
| Dalton, GA | 4 | $ 329,000 | $ 82,250 | $ 62,000 |
| Danville, VA | 4 | $ 296,000 | $ 74,000 | $ 36,000 |
| Dubuque, IA | 4 | $ 247,000 | $ 61,750 | $ 57,000 |
| Fargo, ND-MN | 4 | $ 279,000 | $ 69,750 | $ 56,000 |
| Goldsboro, NC | 4 | $ 170,000 | $ 42,500 | $ 74,000 |
| Grand Junction, CO | 4 | $ 427,000 | $ 106,750 | $ 62,000 |
| Greenville, NC | 4 | $ 324,000 | $ 81,000 | $ 52,000 |
| Harrisonburg, VA | 4 | $ 578,000 | $ 144,500 | $ 121,000 |
| Lake Charles, LA | 4 | $ 398,000 | $ 99,500 | $ 50,000 |
| Lewiston, ID-WA | 4 | $ 312,000 | $ 78,000 | $ 54,000 |
| Lewiston-Auburn, ME | 4 | $ 271,000 | $ 67,750 | $ 54,000 |
| Michigan City-La Porte, IN | 4 | $ 194,000 | $ 48,500 | $ 53,000 |
| Missoula, MT | 4 | $ 403,000 | $ 100,750 | $ 71,000 |
| Napa, CA | 4 | $ 792,000 | $ 198,000 | $ 71,000 |
| Pascagoula, MS | 4 | $ 273,000 | $ 68,250 | $ 45,000 |
| Pittsfield, MA | 4 | $ 340,000 | $ 85,000 | $ 43,000 |
| Redding, CA | 4 | $ 484,000 | $ 121,000 | $ 35,000 |
| San Antonio, TX | 4 | $ 339,000 | $ 84,750 | $ 49,000 |
| Sebastian-Vero Beach, FL | 4 | $ 487,000 | $ 121,750 | $ 41,000 |
| Springfield, OH | 4 | $ 652,000 | $ 163,000 | $ 89,000 |
| St. Cloud, MN | 4 | $ 265,000 | $ 66,250 | $ 215,000 |
| Wausau, WI | 4 | $ 328,000 | $ 82,000 | $ 38,000 |
| Winchester, VA-WV | 4 | $ 524,000 | $ 131,000 | $ 50,000 |
| Alexandria, LA | 3 | $ 212,000 | $ 70,666 | $ 67,000 |
| Battle Creek, MI | 3 | $ 235,000 | $ 78,333 | $ 62,000 |
| Brunswick, GA | 3 | $ 117,000 | $ 39,000 | $ 56,000 |
| Cheyenne, WY | 3 | $ 205,000 | $ 68,333 | $ 28,000 |
| Decatur, IL | 3 | $ 154,000 | $ 51,333 | $ 46,000 |
| Elizabethtown, KY | 3 | $ 207,000 | $ 69,000 | $ 55,000 |
| Fond Du Lac, WI | 3 | $ 301,000 | $ 100,333 | $ 57,000 |
| Fort Worth-Arlington, TX | 3 | $ 174,000 | $ 58,000 | $ 45,000 |
| Gadsden, AL | 3 | $ 181,000 | $ 60,333 | $ 61,000 |
| Grand Forks, ND-MN | 3 | $ 207,000 | $ 69,000 | $ 32,000 |
| Iowa City, IA | 3 | $ 227,000 | $ 75,666 | $ 56,000 |
| Jackson, TN | 3 | $ 326,000 | $ 108,666 | $ 52,000 |
| Muskegon-Norton Shores, MI | 3 | $ 181,000 | $ 60,333 | $ 40,000 |
| Oshkosh-Neenah, WI | 3 | $ 276,000 | $ 92,000 | $ 67,000 |
| Pine Bluff, AR | 3 | $ 163,000 | $ 54,333 | $ 104,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 459,000 | $ 153,000 | $ 75,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,110,000 | $ 370,000 | $ 115,000 |
| St. Joseph, MO-KS | 3 | $ 219,000 | $ 73,000 | $ 46,333 |
| Sumter, SC | 3 | $ 353,000 | $ 117,666 | $ 31,000 |
| Terre Haute, IN | 3 | $ 149,000 | $ 49,666 | $ 98,000 |
| Ames, IA | 2 | $ 156,000 | $ 78,000 | $ 80,000 |
| Bend, OR | 2 | $ 514,000 | $ 257,000 | $ 117,000 |
| Brownsville-Harlingen, TX | 2 | $ 205,000 | $ 102,500 | $ 162,000 |
| Carson City, NV | 2 | $ 373,000 | $ 186,500 | $ 31,000 |
| Casper, WY | 2 | $ 214,000 | $ 107,000 | $ 50,000 |
| Cleveland, TN | 2 | $ 436,000 | $ 218,000 | $ 60,000 |
| Corpus Christi, TX | 2 | $ 270,000 | $ 135,000 | $ 44,000 |
| Corvallis, OR | 2 | $ 95,000 | $ 47,500 | $ 70,000 |
| El Paso, TX | 2 | $ 119,000 | $ 59,500 | $ 47,000 |
| Elmira, NY | 2 | $ 471,000 | $ 235,500 | $ 199,000 |
| Farmington, NM | 2 | $ 50,000 | $ 25,000 | $ 68,000 |
| Great Falls, MT | 2 | $ 179,000 | $ 89,500 | $ 100,000 |
| Lawton, OK | 2 | $ 538,000 | $ 269,000 | $ 277,000 |
| Madera, CA | 2 | $ 568,000 | $ 284,000 | $ 80,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 124,000 | $ 62,000 | $ 63,000 |
| Medford, OR | 2 | $ 137,000 | $ 68,500 | $ 48,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 811,000 | $ 405,500 | $ 107,000 |
| Owensboro, KY | 2 | $ 134,000 | $ 67,000 | $ 44,000 |
| Rocky Mount, NC | 2 | $ 280,000 | $ 140,000 | $ 55,000 |
| Sioux City, IA-NE-SD | 2 | $ 139,000 | $ 69,500 | $ 39,000 |
| Beaumont-Port Arthur, TX | 1 | $ 60,000 | $ 60,000 | $ 67,000 |
| Bellingham, WA | 1 | $ 184,000 | $ 184,000 | $ 75,000 |
| Bowling Green, KY | 1 | $ 27,000 | $ 27,000 | $ 63,000 |
| College Station-Bryan, TX | 1 | $ 147,000 | $ 147,000 | $ 80,000 |
| Columbus, IN | 1 | $ 67,000 | $ 67,000 | $ 22,000 |
| Hanford-Corcoran, CA | 1 | $ 74,000 | $ 74,000 | $ 100,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 53,000 | $ 53,000 | $ 90,000 |
| Las Cruces, NM | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Lubbock, TX | 1 | $ 72,000 | $ 72,000 | $ 196,000 |
| Valdosta, GA | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Victoria, TX | 1 | $ 73,000 | $ 73,000 | $ 57,000 |
| Williamsport, PA | 1 | $ 30,000 | $ 30,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for Mbna America Delaware, N.A. in 2006
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 | 9,572 | $1,266,552,000 | $132,000 | $1,295,000 | $78,000 | $6,000,000 |
| Home Purchase | 1,071 | $107,600,000 | $100,000 | $1,190,000 | $84,000 | $2,000,000 |
| Home Improvement | 949 | $96,550,000 | $101,000 | $883,000 | $80,000 | $2,400,000 |
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 | 6,631 | $807,616,000 | $121,000 | $1,190,000 | $78,000 | $6,000,000 |
| Not Provided | 3,144 | $410,262,000 | $130,000 | $1,295,000 | $80,000 | $1,500,000 |
| Black or African American | 902 | $109,549,000 | $121,000 | $1,000,000 | $71,000 | $497,000 |
| Hispanic | 509 | $75,318,000 | $147,000 | $800,000 | $82,000 | $742,000 |
| Asian | 279 | $52,244,000 | $187,000 | $1,150,000 | $90,000 | $480,000 |
| American Indian or Alaskan Native | 84 | $8,706,000 | $103,000 | $524,000 | $69,000 | $400,000 |
| Native Hawaiian or Other Pacific Islander | 43 | $7,007,000 | $162,000 | $477,000 | $76,000 | $229,000 |
| Not applicable | 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) | 11,592 | $1,470,702,000 | $126,000 | $1,295,000 | $78,000 | $6,000,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 5,413 | $689,309,000 | $127,000 | $1,295,000 | $69,000 | $3,000,000 |
| Application Approved But Not Accepted | 4,168 | $525,078,000 | $125,000 | $1,000,000 | $86,000 | $2,000,000 |
| Loan Originated | 990 | $113,729,000 | $114,000 | $825,000 | $78,000 | $904,000 |
| File Closed For Incompleteness | 653 | $82,776,000 | $126,000 | $1,020,000 | $97,000 | $6,000,000 |
| Application Withdrawn By Applicant | 230 | $34,144,000 | $148,000 | $798,000 | $104,000 | $2,850,000 |
| Preapproval Denied by Financial Institution | 89 | $18,501,000 | $207,000 | $1,100,000 | $80,000 | $1,500,000 |
| Preapproval Approved but not Accepted | 49 | $7,165,000 | $146,000 | $375,000 | $78,000 | $425,000 |
| Loan Purchased By The 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 | 2,772 | $388,888,000 | $140,000 | $1,150,000 | $55,000 | $292,000 |
| Credit History | 981 | $119,449,000 | $121,000 | $1,295,000 | $87,000 | $3,000,000 |
| Other | 684 | $76,118,000 | $111,000 | $1,100,000 | $87,000 | $1,500,000 |
| Collateral | 428 | $38,894,000 | $90,000 | $500,000 | $73,000 | $600,000 |
| Credit Application Incomplete | 335 | $49,854,000 | $148,000 | $1,190,000 | $87,000 | $738,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 203 | $24,192,000 | $119,000 | $666,000 | $71,000 | $500,000 |
| Employment History | 51 | $3,847,000 | $75,000 | $324,000 | $84,000 | $154,000 |
| Unverifiable Information | 48 | $6,568,000 | $136,000 | $598,000 | $73,000 | $540,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mbna America Delaware, N.A.'s 2006 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 Mbna America Delaware, N.A.'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 North Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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