Mbna America Delaware, N.A. Mortgage Lending & HMDA Data, 2004
In 2004, Mbna America Delaware, N.A. of Charlotte, NC reported 41,285 mortgage applications totaling $4.4 billion, down 10% from 2003. The average application was for $107,300, and applicants reported an average income of $32,225. 15% of its applications resulted in an originated loan and 69% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,149), Chicago-Naperville-Joliet, IL (984) and Philadelphia, PA (830) (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 | 41,285 |
| Total Mortgage Loan Application Amount | $4,429,908,000 |
| Average Mortgage Loan Application Amount | $107,300 |
| Highest Mortgage Loan Application Amount | $2,561,000 |
| Average Applicant Income | $32,225 |
| Highest Applicant Income | $4,044,000 |
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records Mbna America Delaware, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 1,149 | $ 132,171,000 | $ 115,031 | $ 32,000 |
| Chicago-Naperville-Joliet, IL | 984 | $ 130,351,000 | $ 132,470 | $ 40,000 |
| Philadelphia, PA | 830 | $ 89,551,000 | $ 107,892 | $ 34,000 |
| New York-Wayne-White Plains, NY-NJ | 691 | $ 137,339,000 | $ 198,753 | $ 51,000 |
| Baltimore-Towson, MD | 555 | $ 60,108,000 | $ 108,302 | $ 43,000 |
| Warren-Farmington Hills-Troy, MI | 552 | $ 64,644,000 | $ 117,108 | $ 34,000 |
| Detroit-Livonia-Dearborn, MI | 499 | $ 48,514,000 | $ 97,222 | $ 26,000 |
| Cleveland-Elyria-Mentor, OH | 459 | $ 49,277,000 | $ 107,357 | $ 33,000 |
| Edison, NJ | 445 | $ 66,114,000 | $ 148,570 | $ 52,000 |
| Houston-Baytown-Sugar Land, TX | 431 | $ 45,669,000 | $ 105,960 | $ 35,000 |
| Los Angeles-Long Beach-Glendale, CA | 421 | $ 76,548,000 | $ 181,824 | $ 51,000 |
| Nassau-Suffolk, NY | 414 | $ 79,641,000 | $ 192,369 | $ 51,000 |
| Denver-Aurora, CO | 394 | $ 50,311,000 | $ 127,692 | $ 32,000 |
| Phoenix-Mesa-Scottsdale, AZ | 391 | $ 42,942,000 | $ 109,826 | $ 34,000 |
| Pittsburgh, PA | 379 | $ 32,675,000 | $ 86,213 | $ 28,000 |
| Tampa-St. Petersburg-Clearwater, FL | 377 | $ 36,614,000 | $ 97,119 | $ 33,000 |
| Newark-Union, NJ-PA | 373 | $ 58,044,000 | $ 155,613 | $ 42,000 |
| Charlotte-Gastonia-Concord, NC-SC | 371 | $ 33,505,000 | $ 90,309 | $ 26,000 |
| Camden, NJ | 359 | $ 39,863,000 | $ 111,038 | $ 47,000 |
| St. Louis, MO-IL | 325 | $ 31,401,000 | $ 96,618 | $ 33,000 |
| Richmond, VA | 308 | $ 32,040,000 | $ 104,025 | $ 31,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 306 | $ 29,497,000 | $ 96,395 | $ 29,000 |
| Orlando, FL | 296 | $ 30,134,000 | $ 101,804 | $ 51,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 292 | $ 38,950,000 | $ 133,390 | $ 34,000 |
| Indianapolis, IN | 288 | $ 30,295,000 | $ 105,190 | $ 34,000 |
| Wilmington, DE-MD-NJ | 288 | $ 36,618,000 | $ 127,145 | $ 49,000 |
| Dallas-Plano-Irving, TX | 280 | $ 27,921,000 | $ 99,717 | $ 35,000 |
| Cincinnati-Middletown, OH-KY-IN | 279 | $ 24,204,000 | $ 86,752 | $ 30,000 |
| Miami-Miami Beach-Kendall, FL | 271 | $ 36,585,000 | $ 135,000 | $ 38,000 |
| Buffalo-Niagara Falls, NY | 270 | $ 20,485,000 | $ 75,870 | $ 29,000 |
| Riverside-San Bernardino-Ontario, CA | 268 | $ 35,405,000 | $ 132,108 | $ 33,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 254 | $ 30,209,000 | $ 118,933 | $ 38,000 |
| Columbus, OH | 249 | $ 23,399,000 | $ 93,971 | $ 32,000 |
| Birmingham-Hoover, AL | 246 | $ 21,743,000 | $ 88,386 | $ 26,000 |
| Nashville-Davidson--Murfreesboro, TN | 232 | $ 23,149,000 | $ 99,780 | $ 28,000 |
| Rochester, NY | 217 | $ 17,054,000 | $ 78,589 | $ 28,000 |
| Seattle-Bellevue-Everett, WA | 216 | $ 26,794,000 | $ 124,046 | $ 41,000 |
| Raleigh-Cary, NC | 208 | $ 22,626,000 | $ 108,778 | $ 31,000 |
| Boston-Quincy, MA | 204 | $ 32,164,000 | $ 157,666 | $ 35,000 |
| New Orleans-Metairie-Kenner, LA | 204 | $ 17,986,000 | $ 88,166 | $ 34,000 |
| Jacksonville, FL | 199 | $ 17,409,000 | $ 87,482 | $ 25,000 |
| Las Vegas-Paradise, NV | 198 | $ 25,262,000 | $ 127,585 | $ 41,000 |
| Kansas City, MO-KS | 186 | $ 16,865,000 | $ 90,672 | $ 27,000 |
| Greensboro-High Point, NC | 185 | $ 16,565,000 | $ 89,540 | $ 29,000 |
| Albany-Schenectady-Troy, NY | 178 | $ 16,960,000 | $ 95,280 | $ 34,000 |
| Memphis, TN-MS-AR | 177 | $ 15,233,000 | $ 86,062 | $ 40,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 176 | $ 22,694,000 | $ 128,943 | $ 45,000 |
| Hartford-West Hartford-East Hartford, CT | 166 | $ 19,143,000 | $ 115,319 | $ 45,000 |
| Milwaukee-Waukesha-West Allis, WI | 166 | $ 15,623,000 | $ 94,114 | $ 35,000 |
| Portland-Vancouver-Beaverton, OR-WA | 163 | $ 22,467,000 | $ 137,834 | $ 38,000 |
| Dayton, OH | 161 | $ 12,867,000 | $ 79,919 | $ 23,000 |
| Columbia, SC | 158 | $ 13,207,000 | $ 83,588 | $ 28,000 |
| Little Rock-North Little Rock, AR | 157 | $ 17,207,000 | $ 109,598 | $ 28,000 |
| Bethesda-Frederick-Gaithersburg, MD | 156 | $ 31,143,000 | $ 199,634 | $ 55,000 |
| Louisville, KY-IN | 155 | $ 14,295,000 | $ 92,225 | $ 38,000 |
| Scranton--Wilkes-Barre, PA | 148 | $ 11,877,000 | $ 80,250 | $ 24,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 146 | $ 22,397,000 | $ 153,404 | $ 43,000 |
| San Antonio, TX | 145 | $ 12,541,000 | $ 86,489 | $ 43,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 143 | $ 14,743,000 | $ 103,097 | $ 30,000 |
| Oakland-Fremont-Hayward, CA | 142 | $ 33,004,000 | $ 232,422 | $ 50,000 |
| Tulsa, OK | 141 | $ 12,129,000 | $ 86,021 | $ 26,000 |
| Oklahoma City, OK | 138 | $ 11,346,000 | $ 82,217 | $ 30,000 |
| Syracuse, NY | 138 | $ 9,210,000 | $ 66,739 | $ 36,000 |
| Cambridge-Newton-Framingham, MA | 136 | $ 24,041,000 | $ 176,772 | $ 37,000 |
| New Haven-Milford, CT | 136 | $ 15,843,000 | $ 116,492 | $ 52,000 |
| Albuquerque, NM | 132 | $ 13,922,000 | $ 105,469 | $ 41,000 |
| Colorado Springs, CO | 131 | $ 13,506,000 | $ 103,099 | $ 42,000 |
| Salt Lake City, UT | 130 | $ 12,121,000 | $ 93,238 | $ 28,000 |
| Grand Rapids-Wyoming, MI | 126 | $ 10,818,000 | $ 85,857 | $ 27,000 |
| Toledo, OH | 125 | $ 10,417,000 | $ 83,336 | $ 32,000 |
| Baton Rouge, LA | 124 | $ 11,851,000 | $ 95,572 | $ 28,000 |
| Akron, OH | 122 | $ 11,862,000 | $ 97,229 | $ 25,000 |
| Harrisburg-Carlisle, PA | 122 | $ 11,023,000 | $ 90,352 | $ 33,000 |
| Lancaster, PA | 122 | $ 10,619,000 | $ 87,040 | $ 25,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 121 | $ 20,775,000 | $ 171,694 | $ 47,000 |
| Charleston-North Charleston, SC | 119 | $ 13,571,000 | $ 114,042 | $ 47,000 |
| Santa Ana-Anaheim-Irvine, CA | 114 | $ 33,045,000 | $ 289,868 | $ 46,000 |
| Greenville, SC | 113 | $ 11,259,000 | $ 99,637 | $ 31,000 |
| Worcester, MA | 113 | $ 14,484,000 | $ 128,176 | $ 37,000 |
| Augusta-Richmond County, GA-SC | 109 | $ 8,046,000 | $ 73,816 | $ 31,000 |
| Flint, MI | 108 | $ 9,773,000 | $ 90,490 | $ 28,000 |
| Fort Worth-Arlington, TX | 108 | $ 10,829,000 | $ 100,268 | $ 37,000 |
| Winston-Salem, NC | 108 | $ 9,668,000 | $ 89,518 | $ 27,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 107 | $ 26,033,000 | $ 243,299 | $ 80,000 |
| Omaha-Council Bluffs, NE-IA | 106 | $ 10,136,000 | $ 95,622 | $ 36,000 |
| Bridgeport-Stamford-Norwalk, CT | 104 | $ 19,444,000 | $ 186,961 | $ 37,000 |
| Lake County-Kenosha County, IL-WI | 103 | $ 13,319,000 | $ 129,310 | $ 35,000 |
| Lansing-East Lansing, MI | 103 | $ 9,240,000 | $ 89,708 | $ 29,000 |
| Youngstown-Warren-Boardman, OH-PA | 102 | $ 7,656,000 | $ 75,058 | $ 26,000 |
| Durham, NC | 99 | $ 9,240,000 | $ 93,333 | $ 33,000 |
| Austin-Round Rock, TX | 97 | $ 11,161,000 | $ 115,061 | $ 28,000 |
| Montgomery, AL | 97 | $ 7,829,000 | $ 80,711 | $ 26,000 |
| Asheville, NC | 96 | $ 9,004,000 | $ 93,791 | $ 21,000 |
| Reading, PA | 95 | $ 7,758,000 | $ 81,663 | $ 23,000 |
| Tucson, AZ | 94 | $ 9,276,000 | $ 98,680 | $ 39,000 |
| Gary, IN | 93 | $ 8,839,000 | $ 95,043 | $ 30,000 |
| Knoxville, TN | 93 | $ 7,427,000 | $ 79,860 | $ 29,000 |
| San Diego-Carlsbad-San Marcos, CA | 92 | $ 17,777,000 | $ 193,228 | $ 40,000 |
| Lakeland, FL | 89 | $ 7,615,000 | $ 85,561 | $ 37,000 |
| Canton-Massillon, OH | 88 | $ 7,816,000 | $ 88,818 | $ 23,000 |
| Wichita, KS | 87 | $ 7,037,000 | $ 80,885 | $ 32,000 |
| Des Moines, IA | 86 | $ 7,255,000 | $ 84,360 | $ 40,000 |
| Providence-New Bedford-Fall River, RI-MA | 85 | $ 8,231,000 | $ 96,835 | $ 40,000 |
| Huntsville, AL | 84 | $ 7,094,000 | $ 84,452 | $ 35,000 |
| Palm Bay-Melbourne-Titusville, FL | 84 | $ 7,889,000 | $ 93,916 | $ 37,000 |
| Tacoma, WA | 83 | $ 8,264,000 | $ 99,566 | $ 49,000 |
| York-Hanover, PA | 83 | $ 7,313,000 | $ 88,108 | $ 30,000 |
| Hickory-Lenoir-Morganton, NC | 81 | $ 6,021,000 | $ 74,333 | $ 23,000 |
| Fayetteville, NC | 80 | $ 5,754,000 | $ 71,925 | $ 37,000 |
| Portland-South Portland-Biddeford, ME | 80 | $ 10,369,000 | $ 129,612 | $ 37,000 |
| Mobile, AL | 78 | $ 6,213,000 | $ 79,653 | $ 21,000 |
| Wilmington, NC | 78 | $ 7,385,000 | $ 94,679 | $ 22,000 |
| Essex County, MA | 77 | $ 12,485,000 | $ 162,142 | $ 26,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 77 | $ 13,854,000 | $ 179,922 | $ 32,000 |
| Sarasota-Bradenton-Venice, FL | 75 | $ 8,635,000 | $ 115,133 | $ 36,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 73 | $ 6,197,000 | $ 84,890 | $ 28,000 |
| Pensacola-Ferry Pass-Brent, FL | 73 | $ 5,611,000 | $ 76,863 | $ 26,000 |
| San Francisco-San Mateo-Redwood City, CA | 73 | $ 19,435,000 | $ 266,232 | $ 67,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 69 | $ 8,518,000 | $ 123,449 | $ 20,000 |
| Fort Wayne, IN | 69 | $ 5,276,000 | $ 76,463 | $ 30,000 |
| Roanoke, VA | 69 | $ 6,326,000 | $ 91,681 | $ 31,000 |
| Savannah, GA | 69 | $ 5,575,000 | $ 80,797 | $ 22,000 |
| Trenton-Ewing, NJ | 69 | $ 9,900,000 | $ 143,478 | $ 37,000 |
| Lexington-Fayette, KY | 66 | $ 5,281,000 | $ 80,015 | $ 35,000 |
| Ogden-Clearfield, UT | 65 | $ 6,285,000 | $ 96,692 | $ 27,000 |
| Shreveport-Bossier City, LA | 65 | $ 5,605,000 | $ 86,230 | $ 43,000 |
| Springfield, MA | 65 | $ 5,820,000 | $ 89,538 | $ 32,000 |
| Kalamazoo-Portage, MI | 62 | $ 5,699,000 | $ 91,919 | $ 26,000 |
| Jackson, MS | 61 | $ 5,479,000 | $ 89,819 | $ 23,000 |
| Cape Coral-Fort Myers, FL | 59 | $ 6,955,000 | $ 117,881 | $ 33,000 |
| Florence, SC | 59 | $ 5,145,000 | $ 87,203 | $ 24,000 |
| Madison, WI | 59 | $ 5,522,000 | $ 93,593 | $ 19,000 |
| Rockingham County-Strafford County, NH | 58 | $ 8,555,000 | $ 147,500 | $ 45,000 |
| Lynchburg, VA | 57 | $ 5,114,000 | $ 89,719 | $ 32,000 |
| Tallahassee, FL | 57 | $ 5,689,000 | $ 99,807 | $ 53,000 |
| Dover, DE | 55 | $ 5,715,000 | $ 103,909 | $ 36,000 |
| Atlantic City, NJ | 54 | $ 7,776,000 | $ 144,000 | $ 25,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 54 | $ 6,658,000 | $ 123,296 | $ 26,000 |
| Peoria, IL | 54 | $ 4,077,000 | $ 75,500 | $ 23,000 |
| Chattanooga, TN-GA | 53 | $ 3,462,000 | $ 65,320 | $ 38,000 |
| Fort Collins-Loveland, CO | 53 | $ 6,477,000 | $ 122,207 | $ 48,000 |
| Port St. Lucie-Fort Pierce, FL | 53 | $ 5,367,000 | $ 101,264 | $ 35,000 |
| Utica-Rome, NY | 53 | $ 4,202,000 | $ 79,283 | $ 24,000 |
| Boise City-Nampa, ID | 52 | $ 4,316,000 | $ 83,000 | $ 23,000 |
| Evansville, IN-KY | 52 | $ 4,020,000 | $ 77,307 | $ 23,000 |
| Ann Arbor, MI | 51 | $ 6,501,000 | $ 127,470 | $ 37,000 |
| Binghamton, NY | 51 | $ 3,687,000 | $ 72,294 | $ 26,000 |
| El Paso, TX | 51 | $ 3,475,000 | $ 68,137 | $ 39,000 |
| Springfield, MO | 51 | $ 4,166,000 | $ 81,686 | $ 29,000 |
| Bakersfield, CA | 50 | $ 5,128,000 | $ 102,560 | $ 36,000 |
| Bangor, ME | 49 | $ 4,132,000 | $ 84,326 | $ 36,000 |
| Erie, PA | 49 | $ 3,490,000 | $ 71,224 | $ 34,000 |
| Norwich-New London, CT | 49 | $ 4,635,000 | $ 94,591 | $ 37,000 |
| Provo-Orem, UT | 49 | $ 6,042,000 | $ 123,306 | $ 24,000 |
| Spartanburg, SC | 49 | $ 3,517,000 | $ 71,775 | $ 38,000 |
| Spokane, WA | 49 | $ 4,579,000 | $ 93,448 | $ 35,000 |
| Anchorage, AK | 48 | $ 7,813,000 | $ 162,770 | $ 32,000 |
| Ocala, FL | 48 | $ 4,009,000 | $ 83,520 | $ 46,000 |
| Manchester-Nashua, NH | 47 | $ 6,825,000 | $ 145,212 | $ 41,000 |
| Fresno, CA | 46 | $ 4,566,000 | $ 99,260 | $ 34,000 |
| McAllen-Edinburg-Pharr, TX | 46 | $ 2,901,000 | $ 63,065 | $ 100,000 |
| Rockford, IL | 46 | $ 3,746,000 | $ 81,434 | $ 19,000 |
| Salem, OR | 46 | $ 4,399,000 | $ 95,630 | $ 37,000 |
| Jackson, MI | 45 | $ 4,072,000 | $ 90,488 | $ 21,000 |
| Charleston, WV | 44 | $ 3,701,000 | $ 84,113 | $ 23,000 |
| Greeley, CO | 43 | $ 4,612,000 | $ 107,255 | $ 26,000 |
| Kingston, NY | 43 | $ 5,357,000 | $ 124,581 | $ 33,000 |
| Charlottesville, VA | 42 | $ 4,676,000 | $ 111,333 | $ 28,000 |
| Dothan, AL | 42 | $ 2,800,000 | $ 66,666 | $ 22,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 42 | $ 8,719,000 | $ 207,595 | $ 64,000 |
| Cedar Rapids, IA | 41 | $ 3,031,000 | $ 73,926 | $ 34,000 |
| Gainesville, FL | 41 | $ 3,427,000 | $ 83,585 | $ 31,000 |
| Green Bay, WI | 41 | $ 3,670,000 | $ 89,512 | $ 29,000 |
| Lafayette, LA | 41 | $ 3,140,000 | $ 76,585 | $ 34,000 |
| Lake Charles, LA | 41 | $ 3,469,000 | $ 84,609 | $ 22,000 |
| Niles-Benton Harbor, MI | 41 | $ 3,284,000 | $ 80,097 | $ 32,000 |
| Anderson, SC | 40 | $ 3,054,000 | $ 76,350 | $ 31,000 |
| Killeen-Temple-Fort Hood, TX | 40 | $ 2,836,000 | $ 70,900 | $ 24,000 |
| Boulder, CO | 39 | $ 7,776,000 | $ 199,384 | $ 38,000 |
| Saginaw-Saginaw Township North, MI | 39 | $ 2,683,000 | $ 68,794 | $ 26,000 |
| Tuscaloosa, AL | 39 | $ 3,542,000 | $ 90,820 | $ 24,000 |
| Holland-Grand Haven, MI | 38 | $ 3,409,000 | $ 89,710 | $ 30,000 |
| Kennewick-Richland-Pasco, WA | 38 | $ 3,587,000 | $ 94,394 | $ 26,000 |
| Kingsport-Bristol-Bristol, TN-VA | 38 | $ 3,099,000 | $ 81,552 | $ 20,000 |
| South Bend-Mishawaka, IN-MI | 37 | $ 2,728,000 | $ 73,729 | $ 28,000 |
| Columbus, GA-AL | 36 | $ 3,493,000 | $ 97,027 | $ 29,000 |
| Honolulu, HI | 36 | $ 8,058,000 | $ 223,833 | $ 54,000 |
| Houma-Bayou Cane-Thibodaux, LA | 35 | $ 3,065,000 | $ 87,571 | $ 21,000 |
| Macon, GA | 35 | $ 3,308,000 | $ 94,514 | $ 20,000 |
| Naples-Marco Island, FL | 35 | $ 4,309,000 | $ 123,114 | $ 33,000 |
| Santa Rosa-Petaluma, CA | 35 | $ 8,456,000 | $ 241,600 | $ 60,000 |
| Eugene-Springfield, OR | 34 | $ 3,515,000 | $ 103,382 | $ 25,000 |
| Greenville, NC | 34 | $ 2,390,000 | $ 70,294 | $ 22,000 |
| Lincoln, NE | 34 | $ 3,906,000 | $ 114,882 | $ 29,000 |
| Springfield, IL | 34 | $ 1,989,000 | $ 58,500 | $ 28,000 |
| Beaumont-Port Arthur, TX | 33 | $ 2,634,000 | $ 79,818 | $ 36,000 |
| Lafayette, IN | 33 | $ 2,529,000 | $ 76,636 | $ 33,000 |
| Lebanon, PA | 33 | $ 3,066,000 | $ 92,909 | $ 26,000 |
| Monroe, MI | 33 | $ 3,196,000 | $ 96,848 | $ 47,000 |
| Stockton, CA | 33 | $ 4,424,000 | $ 134,060 | $ 48,000 |
| Topeka, KS | 33 | $ 2,162,000 | $ 65,515 | $ 30,000 |
| Visalia-Porterville, CA | 33 | $ 3,783,000 | $ 114,636 | $ 47,000 |
| Yakima, WA | 33 | $ 3,453,000 | $ 104,636 | $ 37,000 |
| Jacksonville, NC | 32 | $ 2,105,000 | $ 65,781 | $ 45,000 |
| Racine, WI | 32 | $ 2,423,000 | $ 75,718 | $ 37,000 |
| Danville, VA | 31 | $ 2,708,000 | $ 87,354 | $ 22,000 |
| Goldsboro, NC | 31 | $ 2,628,000 | $ 84,774 | $ 22,000 |
| Modesto, CA | 31 | $ 4,692,000 | $ 151,354 | $ 50,000 |
| Olympia, WA | 31 | $ 3,443,000 | $ 111,064 | $ 54,000 |
| Reno-Sparks, NV | 31 | $ 6,431,000 | $ 207,451 | $ 50,000 |
| Appleton, WI | 30 | $ 3,192,000 | $ 106,400 | $ 29,000 |
| Battle Creek, MI | 30 | $ 2,465,000 | $ 82,166 | $ 33,000 |
| Punta Gorda, FL | 30 | $ 3,575,000 | $ 119,166 | $ 31,000 |
| Sumter, SC | 30 | $ 2,064,000 | $ 68,800 | $ 16,000 |
| Terre Haute, IN | 30 | $ 2,160,000 | $ 72,000 | $ 27,000 |
| Vallejo-Fairfield, CA | 30 | $ 5,518,000 | $ 183,933 | $ 63,000 |
| Athens-Clarke County, GA | 29 | $ 2,714,000 | $ 93,586 | $ 25,000 |
| Bloomington-Normal, IL | 29 | $ 3,166,000 | $ 109,172 | $ 20,000 |
| Pueblo, CO | 29 | $ 2,939,000 | $ 101,344 | $ 40,000 |
| Rocky Mount, NC | 29 | $ 2,592,000 | $ 89,379 | $ 25,000 |
| Alexandria, LA | 28 | $ 2,404,000 | $ 85,857 | $ 38,000 |
| Florence-Muscle Shoals, AL | 28 | $ 2,165,000 | $ 77,321 | $ 17,000 |
| Prescott, AZ | 28 | $ 3,249,000 | $ 116,035 | $ 68,000 |
| Elkhart-Goshen, IN | 27 | $ 2,592,000 | $ 96,000 | $ 49,000 |
| Gulfport-Biloxi, MS | 27 | $ 3,165,000 | $ 117,222 | $ 27,000 |
| Idaho Falls, ID | 27 | $ 3,545,000 | $ 131,296 | $ 21,000 |
| Kankakee-Bradley, IL | 27 | $ 2,538,000 | $ 94,000 | $ 33,000 |
| Springfield, OH | 27 | $ 1,929,000 | $ 71,444 | $ 37,000 |
| Albany, GA | 26 | $ 2,617,000 | $ 100,653 | $ 32,000 |
| Fort Smith, AR-OK | 26 | $ 2,671,000 | $ 102,730 | $ 28,000 |
| Fort Walton Beach-Crestview-Destin, FL | 26 | $ 1,924,000 | $ 74,000 | $ 42,000 |
| Johnson City, TN | 26 | $ 1,789,000 | $ 68,807 | $ 18,000 |
| Vineland-Millville-Bridgeton, NJ | 26 | $ 2,951,000 | $ 113,500 | $ 45,000 |
| Anderson, IN | 25 | $ 1,827,000 | $ 73,080 | $ 24,000 |
| Davenport-Moline-Rock Island, IA-IL | 25 | $ 2,145,000 | $ 85,800 | $ 36,000 |
| Decatur, AL | 25 | $ 1,626,000 | $ 65,040 | $ 32,000 |
| Farmington, NM | 25 | $ 2,479,000 | $ 99,160 | $ 35,000 |
| Las Cruces, NM | 25 | $ 2,006,000 | $ 80,240 | $ 20,000 |
| Muskegon-Norton Shores, MI | 25 | $ 1,715,000 | $ 68,600 | $ 19,000 |
| Auburn-Opelika, AL | 24 | $ 2,381,000 | $ 99,208 | $ 28,000 |
| Bremerton-Silverdale, WA | 24 | $ 2,423,000 | $ 100,958 | $ 21,000 |
| Corpus Christi, TX | 24 | $ 1,996,000 | $ 83,166 | $ 14,000 |
| Decatur, IL | 24 | $ 2,092,000 | $ 87,166 | $ 80,000 |
| Kokomo, IN | 24 | $ 1,806,000 | $ 75,250 | $ 29,000 |
| Anniston-Oxford, AL | 23 | $ 1,530,000 | $ 66,521 | $ 21,000 |
| Bay City, MI | 23 | $ 1,438,000 | $ 62,521 | $ 29,000 |
| Bloomington, IN | 23 | $ 1,461,000 | $ 63,521 | $ 21,000 |
| Brownsville-Harlingen, TX | 23 | $ 1,629,000 | $ 70,826 | $ 31,000 |
| Clarksville, TN-KY | 23 | $ 2,351,000 | $ 102,217 | $ 26,000 |
| Dalton, GA | 23 | $ 2,219,000 | $ 96,478 | $ 30,000 |
| Hagerstown-Martinsburg, MD-WV | 23 | $ 2,563,000 | $ 111,434 | $ 31,000 |
| Lima, OH | 23 | $ 1,775,000 | $ 77,173 | $ 22,000 |
| Panama City-Lynn Haven, FL | 23 | $ 1,604,000 | $ 69,739 | $ 37,000 |
| Burlington, NC | 22 | $ 1,814,000 | $ 82,454 | $ 31,000 |
| Gadsden, AL | 22 | $ 1,491,000 | $ 67,772 | $ 20,000 |
| Glens Falls, NY | 22 | $ 1,881,000 | $ 85,500 | $ 25,000 |
| Joplin, MO | 22 | $ 1,513,000 | $ 68,772 | $ 25,000 |
| Lewiston-Auburn, ME | 22 | $ 1,620,000 | $ 73,636 | $ 33,000 |
| Salisbury, MD | 22 | $ 1,925,000 | $ 87,500 | $ 18,000 |
| Barnstable Town, MA | 21 | $ 3,312,000 | $ 157,714 | $ 43,000 |
| Bellingham, WA | 21 | $ 2,483,000 | $ 118,238 | $ 30,000 |
| Champaign-Urbana, IL | 21 | $ 1,175,000 | $ 55,952 | $ 32,000 |
| Jonesboro, AR | 21 | $ 1,725,000 | $ 82,142 | $ 30,000 |
| Mansfield, OH | 21 | $ 2,044,000 | $ 97,333 | $ 27,000 |
| Rochester, MN | 21 | $ 1,272,000 | $ 60,571 | $ 16,000 |
| Billings, MT | 20 | $ 1,731,000 | $ 86,550 | $ 32,000 |
| Gainesville, GA | 20 | $ 1,799,000 | $ 89,950 | $ 28,000 |
| Hinesville-Fort Stewart, GA | 20 | $ 1,620,000 | $ 81,000 | $ 28,000 |
| Monroe, LA | 20 | $ 1,230,000 | $ 61,500 | $ 31,000 |
| Sandusky, OH | 20 | $ 1,337,000 | $ 66,850 | $ 50,000 |
| Warner Robins, GA | 20 | $ 1,672,000 | $ 83,600 | $ 31,000 |
| Williamsport, PA | 20 | $ 1,721,000 | $ 86,050 | $ 22,000 |
| Bowling Green, KY | 19 | $ 1,009,000 | $ 53,105 | $ 33,000 |
| Danville, IL | 19 | $ 1,165,000 | $ 61,315 | $ 20,000 |
| Duluth, MN-WI | 19 | $ 1,391,000 | $ 73,210 | $ 12,000 |
| Eau Claire, WI | 19 | $ 1,987,000 | $ 104,578 | $ 23,000 |
| Morristown, TN | 19 | $ 1,601,000 | $ 84,263 | $ 17,000 |
| Sheboygan, WI | 19 | $ 1,298,000 | $ 68,315 | $ 36,000 |
| Elizabethtown, KY | 18 | $ 1,458,000 | $ 81,000 | $ 17,000 |
| Hot Springs, AR | 18 | $ 1,927,000 | $ 107,055 | $ 18,000 |
| Medford, OR | 18 | $ 1,891,000 | $ 105,055 | $ 23,000 |
| Merced, CA | 18 | $ 2,557,000 | $ 142,055 | $ 53,000 |
| Pascagoula, MS | 18 | $ 1,639,000 | $ 91,055 | $ 39,000 |
| Santa Fe, NM | 18 | $ 2,811,000 | $ 156,166 | $ 36,000 |
| Waterloo-Cedar Falls, IA | 18 | $ 1,294,000 | $ 71,888 | $ 24,000 |
| Winchester, VA-WV | 18 | $ 1,687,000 | $ 93,722 | $ 36,000 |
| Elmira, NY | 17 | $ 1,638,000 | $ 96,352 | $ 16,000 |
| Hanford-Corcoran, CA | 17 | $ 1,522,000 | $ 89,529 | $ 26,000 |
| Jefferson City, MO | 17 | $ 1,166,000 | $ 68,588 | $ 30,000 |
| Lubbock, TX | 17 | $ 944,000 | $ 55,529 | $ 18,000 |
| Pine Bluff, AR | 17 | $ 1,189,000 | $ 69,941 | $ 19,000 |
| St. Cloud, MN | 17 | $ 1,603,000 | $ 94,294 | $ 39,000 |
| St. Joseph, MO-KS | 17 | $ 1,068,000 | $ 62,823 | $ 12,000 |
| Wausau, WI | 17 | $ 1,417,000 | $ 83,352 | $ 23,000 |
| Amarillo, TX | 16 | $ 1,287,000 | $ 80,437 | $ 20,000 |
| Flagstaff, AZ | 16 | $ 1,921,000 | $ 120,062 | $ 46,000 |
| Johnstown, PA | 16 | $ 857,000 | $ 53,562 | $ 32,000 |
| Muncie, IN | 16 | $ 1,060,000 | $ 66,250 | $ 17,000 |
| Ocean City, NJ | 16 | $ 2,005,000 | $ 125,312 | $ 32,000 |
| Rome, GA | 16 | $ 1,610,000 | $ 100,625 | $ 31,000 |
| Valdosta, GA | 16 | $ 1,525,000 | $ 95,312 | $ 45,000 |
| Yuma, AZ | 16 | $ 1,138,000 | $ 71,125 | $ 28,000 |
| Columbia, MO | 15 | $ 1,197,000 | $ 79,800 | $ 26,000 |
| Parkersburg-Marietta, WV-OH | 15 | $ 1,413,000 | $ 94,200 | $ 30,000 |
| Bend, OR | 14 | $ 2,222,000 | $ 158,714 | $ 25,000 |
| Blacksburg-Christiansburg-Radford, VA | 14 | $ 1,034,000 | $ 73,857 | $ 27,000 |
| Coeur D'Alene, ID | 14 | $ 1,451,000 | $ 103,642 | $ 26,000 |
| Cumberland, MD-WV | 14 | $ 851,000 | $ 60,785 | $ 27,000 |
| Fairbanks, AK | 14 | $ 1,535,000 | $ 109,642 | $ 55,000 |
| Grand Junction, CO | 14 | $ 1,483,000 | $ 105,928 | $ 28,000 |
| Huntington-Ashland, WV-KY-OH | 14 | $ 980,000 | $ 70,000 | $ 18,000 |
| Ithaca, NY | 14 | $ 1,009,000 | $ 72,071 | $ 54,000 |
| Janesville, WI | 14 | $ 1,070,000 | $ 76,428 | $ 46,000 |
| Longview, WA | 14 | $ 1,272,000 | $ 90,857 | $ 41,000 |
| Michigan City-La Porte, IN | 14 | $ 1,250,000 | $ 89,285 | $ 37,000 |
| Owensboro, KY | 14 | $ 1,298,000 | $ 92,714 | $ 10,000 |
| Pittsfield, MA | 14 | $ 897,000 | $ 64,071 | $ 12,000 |
| St. George, UT | 14 | $ 1,391,000 | $ 99,357 | $ 37,000 |
| Tyler, TX | 14 | $ 1,433,000 | $ 102,357 | $ 22,000 |
| Vero Beach, FL | 14 | $ 1,369,000 | $ 97,785 | $ 39,000 |
| Altoona, PA | 13 | $ 811,000 | $ 62,384 | $ 33,000 |
| Columbus, IN | 13 | $ 666,000 | $ 51,230 | $ 34,000 |
| Harrisonburg, VA | 13 | $ 1,444,000 | $ 111,076 | $ 45,000 |
| Iowa City, IA | 13 | $ 1,268,000 | $ 97,538 | $ 40,000 |
| Oshkosh-Neenah, WI | 13 | $ 1,086,000 | $ 83,538 | $ 21,000 |
| Santa Cruz-Watsonville, CA | 13 | $ 3,060,000 | $ 235,384 | $ 21,000 |
| Sioux Falls, SD | 13 | $ 1,278,000 | $ 98,307 | $ 27,000 |
| State College, PA | 13 | $ 1,066,000 | $ 82,000 | $ 36,000 |
| Chico, CA | 12 | $ 1,047,000 | $ 87,250 | $ 33,000 |
| La Crosse, WI-MN | 12 | $ 880,000 | $ 73,333 | $ 2,000 |
| Rapid City, SD | 12 | $ 1,123,000 | $ 93,583 | $ 58,000 |
| Fond Du Lac, WI | 11 | $ 951,000 | $ 86,454 | $ 34,000 |
| Hattiesburg, MS | 11 | $ 1,033,000 | $ 93,909 | $ 35,000 |
| Jackson, TN | 11 | $ 925,000 | $ 84,090 | $ 18,000 |
| Logan, UT-ID | 11 | $ 605,000 | $ 55,000 | $ 20,000 |
| Salinas, CA | 11 | $ 2,271,000 | $ 206,454 | $ 57,000 |
| San Luis Obispo-Paso Robles, CA | 11 | $ 1,458,000 | $ 132,545 | $ 69,000 |
| Waco, TX | 11 | $ 835,000 | $ 75,909 | $ 25,000 |
| Wenatchee, WA | 11 | $ 926,000 | $ 84,181 | $ 33,000 |
| Cheyenne, WY | 10 | $ 1,067,000 | $ 106,700 | $ 45,000 |
| Corvallis, OR | 10 | $ 938,000 | $ 93,800 | $ 55,000 |
| Great Falls, MT | 10 | $ 652,000 | $ 65,200 | $ 8,000 |
| Morgantown, WV | 10 | $ 1,183,000 | $ 118,300 | $ 18,000 |
| Mount Vernon-Anacortes, WA | 10 | $ 830,000 | $ 83,000 | $ 33,000 |
| Sioux City, IA-NE-SD | 10 | $ 484,000 | $ 48,400 | $ 23,000 |
| Wichita Falls, TX | 10 | $ 593,000 | $ 59,300 | $ 24,000 |
| Brunswick, GA | 9 | $ 995,000 | $ 110,555 | $ 39,000 |
| Burlington-South Burlington, VT | 9 | $ 1,238,000 | $ 137,555 | $ 23,000 |
| Cleveland, TN | 9 | $ 582,000 | $ 64,666 | $ 32,000 |
| El Centro, CA | 9 | $ 1,513,000 | $ 168,111 | $ 50,000 |
| Sherman-Denison, TX | 9 | $ 545,000 | $ 60,555 | $ 194,000 |
| College Station-Bryan, TX | 8 | $ 895,000 | $ 111,875 | $ 23,000 |
| Grand Forks, ND-MN | 8 | $ 496,000 | $ 62,000 | $ 6,000 |
| Lawton, OK | 8 | $ 521,000 | $ 65,125 | $ 17,000 |
| Longview, TX | 8 | $ 545,000 | $ 68,125 | $ 37,000 |
| Missoula, MT | 8 | $ 826,000 | $ 103,250 | $ 32,000 |
| Odessa, TX | 8 | $ 382,000 | $ 47,750 | $ 27,000 |
| Pocatello, ID | 8 | $ 623,000 | $ 77,875 | $ 8,000 |
| Victoria, TX | 8 | $ 498,000 | $ 62,250 | $ 42,000 |
| Yuba City, CA | 8 | $ 994,000 | $ 124,250 | $ 39,000 |
| Abilene, TX | 7 | $ 516,000 | $ 73,714 | $ 28,000 |
| Carson City, NV | 7 | $ 851,000 | $ 121,571 | $ 67,000 |
| Dubuque, IA | 7 | $ 615,000 | $ 87,857 | $ 50,000 |
| San Angelo, TX | 7 | $ 319,000 | $ 45,571 | $ 2,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 645,000 | $ 92,142 | $ 43,000 |
| Casper, WY | 6 | $ 583,000 | $ 97,166 | $ 8,000 |
| Fargo, ND-MN | 6 | $ 398,000 | $ 66,333 | $ 0 |
| Lewiston, ID-WA | 6 | $ 508,000 | $ 84,666 | $ 29,000 |
| Madera, CA | 6 | $ 472,000 | $ 78,666 | $ 37,000 |
| Redding, CA | 6 | $ 788,000 | $ 131,333 | $ 28,000 |
| Texarkana, Tx-Texarkana, AR | 6 | $ 667,000 | $ 111,166 | $ 21,000 |
| Wheeling, WV-OH | 6 | $ 434,000 | $ 72,333 | $ 6,000 |
| Bismarck, ND | 5 | $ 323,000 | $ 64,600 | $ 33,000 |
| Lawrence, KS | 5 | $ 497,000 | $ 99,400 | $ 79,000 |
| Napa, CA | 5 | $ 945,000 | $ 189,000 | $ 29,000 |
| Ames, IA | 4 | $ 475,000 | $ 118,750 | $ 35,000 |
| Laredo, TX | 3 | $ 98,000 | $ 32,666 | $ 0 |
| Midland, TX | 3 | $ 176,000 | $ 58,666 | $ 114,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 197,000 | $ 98,500 | $ 29,000 |
Mortgage Loan Application Detail Totals for Mbna America Delaware, N.A. 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 | 38,745 | $4,235,239,000 | $108,686 | $2,561,000 | $30,313 | $1,500,000 |
| Home Improvement | 2,052 | $122,842,000 | $56,361 | $929,000 | $36,170 | $796,000 |
| Home Purchase | 488 | $71,827,000 | $140,282 | $949,000 | $164,913 | $4,044,000 |
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 | 26,357 | $2,763,816,000 | $109,803 | $2,561,000 | $32,843 | $4,044,000 |
| Not Provided | 6,680 | $769,313,000 | $107,117 | $1,858,000 | $31,607 | $1,500,000 |
| Black or African American | 4,862 | $476,319,000 | $101,804 | $1,104,000 | $29,717 | $960,000 |
| Hispanic | 1,986 | $219,318,000 | $101,260 | $2,361,000 | $37,720 | $1,440,000 |
| Asian | 828 | $138,294,000 | $140,755 | $1,412,000 | $39,888 | $760,000 |
| American Indian or Alaskan Native | 356 | $33,663,000 | $89,604 | $478,000 | $30,744 | $373,000 |
| Native Hawaiian or Other Pacific Islander | 113 | $15,762,000 | $112,806 | $968,000 | $28,677 | $200,000 |
| Not applicable | 103 | $13,423,000 | $123,920 | $950,000 | $58,280 | $403,000 |
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) | 41,285 | $4,429,908,000 | $106,490 | $2,561,000 | $32,333 | $4,044,000 |
| 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 | 28,294 | $2,997,559,000 | $106,509 | $2,561,000 | $11,431 | $1,500,000 |
| Loan Originated | 6,210 | $694,831,000 | $105,509 | $949,000 | $73,627 | $938,000 |
| Application Withdrawn By Applicant | 6,143 | $664,776,000 | $106,274 | $998,000 | $79,176 | $4,044,000 |
| Application Approved But Not Accepted | 394 | $43,943,000 | $111,222 | $929,000 | $83,577 | $505,000 |
| File Closed For Incompleteness | 186 | $20,691,000 | $109,181 | $620,000 | $84,386 | $350,000 |
| Loan Purchased By The Institution | 58 | $8,108,000 | $152,250 | $349,000 | $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 | 8,938 | $1,008,100,000 | $112,607 | $2,180,000 | $47,705 | $1,500,000 |
| Credit History | 6,420 | $665,358,000 | $105,019 | $2,561,000 | $0 | $0 |
| Collateral | 5,324 | $535,860,000 | $107,490 | $968,000 | $0 | $0 |
| Other | 3,937 | $432,834,000 | $104,254 | $2,402,000 | $0 | $0 |
| Credit Application Incomplete | 3,433 | $329,861,000 | $95,137 | $1,000,000 | $0 | $0 |
| Employment History | 128 | $11,343,000 | $91,153 | $483,000 | $0 | $0 |
| Unverifiable Information | 85 | $11,028,000 | $118,694 | $827,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $3,175,000 | $99,157 | $377,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mbna America Delaware, N.A.'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 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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