Mbna America Delaware, N.A. Mortgage Lending & HMDA Data, 2005
In 2005, Mbna America Delaware, N.A. of Charlotte, NC reported 40,522 mortgage applications totaling $4.7 billion, down 2% from 2004. The average application was for $117,004, and applicants reported an average income of $70,987. 13% of its applications resulted in an originated loan and 66% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,092), Chicago-Naperville-Joliet, IL (993) and Philadelphia, PA (821) (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 | 40,522 |
| Total Mortgage Loan Application Amount | $4,741,238,000 |
| Average Mortgage Loan Application Amount | $117,004 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $70,987 |
| Highest Applicant Income | $4,500,000 |
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records Mbna America Delaware, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,092 | $ 129,068,000 | $ 118,194 | $ 82,000 |
| Chicago-Naperville-Joliet, IL | 993 | $ 136,962,000 | $ 137,927 | $ 84,000 |
| Philadelphia, PA | 821 | $ 92,316,000 | $ 112,443 | $ 77,000 |
| New York-Wayne-White Plains, NY-NJ | 717 | $ 153,174,000 | $ 213,631 | $ 108,000 |
| Warren-Farmington Hills-Troy, MI | 509 | $ 65,803,000 | $ 129,278 | $ 83,000 |
| Nassau-Suffolk, NY | 488 | $ 95,873,000 | $ 196,461 | $ 119,000 |
| Cleveland-Elyria-Mentor, OH | 480 | $ 53,931,000 | $ 112,356 | $ 80,000 |
| Baltimore-Towson, MD | 453 | $ 56,136,000 | $ 123,920 | $ 77,000 |
| Pittsburgh, PA | 451 | $ 40,767,000 | $ 90,392 | $ 58,000 |
| Edison, NJ | 441 | $ 78,014,000 | $ 176,902 | $ 89,000 |
| Los Angeles-Long Beach-Glendale, CA | 419 | $ 87,639,000 | $ 209,162 | $ 94,000 |
| Detroit-Livonia-Dearborn, MI | 412 | $ 40,116,000 | $ 97,368 | $ 74,000 |
| Phoenix-Mesa-Scottsdale, AZ | 410 | $ 54,630,000 | $ 133,243 | $ 83,000 |
| Newark-Union, NJ-PA | 400 | $ 70,176,000 | $ 175,440 | $ 102,000 |
| Tampa-St. Petersburg-Clearwater, FL | 390 | $ 43,891,000 | $ 112,541 | $ 72,000 |
| Denver-Aurora, CO | 365 | $ 48,805,000 | $ 133,712 | $ 82,000 |
| Wilmington, DE-MD-NJ | 353 | $ 48,820,000 | $ 138,300 | $ 66,000 |
| Camden, NJ | 330 | $ 39,314,000 | $ 119,133 | $ 82,000 |
| Indianapolis, IN | 323 | $ 33,861,000 | $ 104,832 | $ 72,000 |
| Charlotte-Gastonia-Concord, NC-SC | 320 | $ 32,899,000 | $ 102,809 | $ 69,000 |
| St. Louis, MO-IL | 310 | $ 36,367,000 | $ 117,312 | $ 69,000 |
| Buffalo-Niagara Falls, NY | 288 | $ 21,539,000 | $ 74,788 | $ 60,000 |
| Houston-Baytown-Sugar Land, TX | 287 | $ 33,794,000 | $ 117,749 | $ 74,000 |
| Orlando, FL | 283 | $ 37,119,000 | $ 131,162 | $ 77,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 279 | $ 30,658,000 | $ 109,885 | $ 63,000 |
| Columbus, OH | 275 | $ 27,663,000 | $ 100,592 | $ 70,000 |
| Birmingham-Hoover, AL | 270 | $ 24,056,000 | $ 89,096 | $ 64,000 |
| Richmond, VA | 267 | $ 28,419,000 | $ 106,438 | $ 63,000 |
| Cincinnati-Middletown, OH-KY-IN | 260 | $ 24,324,000 | $ 93,553 | $ 73,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 249 | $ 33,324,000 | $ 133,831 | $ 80,000 |
| Boston-Quincy, MA | 240 | $ 41,760,000 | $ 174,000 | $ 94,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 228 | $ 29,949,000 | $ 131,355 | $ 71,000 |
| Nashville-Davidson--Murfreesboro, TN | 220 | $ 22,075,000 | $ 100,340 | $ 70,000 |
| Seattle-Bellevue-Everett, WA | 218 | $ 33,064,000 | $ 151,669 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 213 | $ 29,092,000 | $ 136,582 | $ 89,000 |
| Dallas-Plano-Irving, TX | 205 | $ 30,159,000 | $ 147,117 | $ 90,000 |
| Riverside-San Bernardino-Ontario, CA | 197 | $ 33,738,000 | $ 171,258 | $ 91,000 |
| Rochester, NY | 194 | $ 16,852,000 | $ 86,865 | $ 67,000 |
| Raleigh-Cary, NC | 191 | $ 19,349,000 | $ 101,303 | $ 65,000 |
| Kansas City, MO-KS | 189 | $ 16,406,000 | $ 86,804 | $ 68,000 |
| Memphis, TN-MS-AR | 185 | $ 18,078,000 | $ 97,718 | $ 67,000 |
| Jacksonville, FL | 182 | $ 21,328,000 | $ 117,186 | $ 68,000 |
| New Orleans-Metairie-Kenner, LA | 180 | $ 20,726,000 | $ 115,144 | $ 69,000 |
| Hartford-West Hartford-East Hartford, CT | 169 | $ 19,517,000 | $ 115,485 | $ 84,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 168 | $ 22,931,000 | $ 136,494 | $ 73,000 |
| Milwaukee-Waukesha-West Allis, WI | 165 | $ 16,655,000 | $ 100,939 | $ 67,000 |
| Columbia, SC | 160 | $ 15,372,000 | $ 96,075 | $ 63,000 |
| New Haven-Milford, CT | 158 | $ 21,216,000 | $ 134,278 | $ 72,000 |
| Scranton--Wilkes-Barre, PA | 155 | $ 11,817,000 | $ 76,238 | $ 61,000 |
| San Diego-Carlsbad-San Marcos, CA | 153 | $ 34,641,000 | $ 226,411 | $ 107,000 |
| Greensboro-High Point, NC | 150 | $ 14,111,000 | $ 94,073 | $ 59,000 |
| Las Vegas-Paradise, NV | 150 | $ 24,400,000 | $ 162,666 | $ 87,000 |
| Tulsa, OK | 150 | $ 13,979,000 | $ 93,193 | $ 71,000 |
| Oakland-Fremont-Hayward, CA | 149 | $ 33,825,000 | $ 227,013 | $ 102,000 |
| Cambridge-Newton-Framingham, MA | 146 | $ 26,364,000 | $ 180,575 | $ 90,000 |
| Dayton, OH | 144 | $ 11,461,000 | $ 79,590 | $ 65,000 |
| Syracuse, NY | 142 | $ 10,855,000 | $ 76,443 | $ 76,000 |
| Albany-Schenectady-Troy, NY | 140 | $ 14,108,000 | $ 100,771 | $ 65,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 140 | $ 14,860,000 | $ 106,142 | $ 77,000 |
| Portland-Vancouver-Beaverton, OR-WA | 140 | $ 19,485,000 | $ 139,178 | $ 81,000 |
| Oklahoma City, OK | 139 | $ 11,026,000 | $ 79,323 | $ 62,000 |
| Akron, OH | 137 | $ 13,696,000 | $ 99,970 | $ 75,000 |
| Bridgeport-Stamford-Norwalk, CT | 136 | $ 25,979,000 | $ 191,022 | $ 91,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 136 | $ 19,680,000 | $ 144,705 | $ 89,000 |
| Worcester, MA | 132 | $ 21,014,000 | $ 159,196 | $ 80,000 |
| Louisville, KY-IN | 131 | $ 11,775,000 | $ 89,885 | $ 70,000 |
| Harrisburg-Carlisle, PA | 125 | $ 10,259,000 | $ 82,072 | $ 61,000 |
| Charleston-North Charleston, SC | 122 | $ 17,093,000 | $ 140,106 | $ 68,000 |
| Grand Rapids-Wyoming, MI | 120 | $ 11,306,000 | $ 94,216 | $ 60,000 |
| Bethesda-Frederick-Gaithersburg, MD | 119 | $ 21,349,000 | $ 179,403 | $ 84,000 |
| Albuquerque, NM | 117 | $ 13,115,000 | $ 112,094 | $ 63,000 |
| Colorado Springs, CO | 117 | $ 12,898,000 | $ 110,239 | $ 73,000 |
| Greenville, SC | 117 | $ 11,080,000 | $ 94,700 | $ 56,000 |
| Gary, IN | 115 | $ 10,338,000 | $ 89,895 | $ 67,000 |
| Winston-Salem, NC | 114 | $ 10,108,000 | $ 88,666 | $ 52,000 |
| Flint, MI | 113 | $ 9,542,000 | $ 84,442 | $ 66,000 |
| Toledo, OH | 112 | $ 9,917,000 | $ 88,544 | $ 81,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 110 | $ 25,674,000 | $ 233,400 | $ 113,000 |
| Salt Lake City, UT | 109 | $ 12,181,000 | $ 111,752 | $ 78,000 |
| Fort Worth-Arlington, TX | 106 | $ 11,541,000 | $ 108,877 | $ 71,000 |
| Tucson, AZ | 106 | $ 13,544,000 | $ 127,773 | $ 66,000 |
| Baton Rouge, LA | 105 | $ 10,974,000 | $ 104,514 | $ 77,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 105 | $ 21,689,000 | $ 206,561 | $ 83,000 |
| Little Rock-North Little Rock, AR | 103 | $ 11,154,000 | $ 108,291 | $ 63,000 |
| Durham, NC | 102 | $ 10,707,000 | $ 104,970 | $ 71,000 |
| Santa Ana-Anaheim-Irvine, CA | 102 | $ 26,806,000 | $ 262,803 | $ 101,000 |
| Providence-New Bedford-Fall River, RI-MA | 100 | $ 12,714,000 | $ 127,140 | $ 71,000 |
| San Antonio, TX | 99 | $ 10,731,000 | $ 108,393 | $ 77,000 |
| Springfield, MA | 99 | $ 10,915,000 | $ 110,252 | $ 62,000 |
| York-Hanover, PA | 98 | $ 10,048,000 | $ 102,530 | $ 63,000 |
| Lake County-Kenosha County, IL-WI | 95 | $ 15,720,000 | $ 165,473 | $ 83,000 |
| Knoxville, TN | 94 | $ 7,755,000 | $ 82,500 | $ 53,000 |
| Omaha-Council Bluffs, NE-IA | 92 | $ 7,537,000 | $ 81,923 | $ 66,000 |
| San Francisco-San Mateo-Redwood City, CA | 92 | $ 39,196,000 | $ 426,043 | $ 130,000 |
| Mobile, AL | 90 | $ 7,796,000 | $ 86,622 | $ 59,000 |
| Rockingham County-Strafford County, NH | 89 | $ 10,341,000 | $ 116,191 | $ 72,000 |
| Youngstown-Warren-Boardman, OH-PA | 89 | $ 7,585,000 | $ 85,224 | $ 56,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 87 | $ 8,808,000 | $ 101,241 | $ 71,000 |
| Fort Wayne, IN | 87 | $ 5,897,000 | $ 67,781 | $ 54,000 |
| Lansing-East Lansing, MI | 86 | $ 8,809,000 | $ 102,430 | $ 61,000 |
| Montgomery, AL | 86 | $ 6,992,000 | $ 81,302 | $ 64,000 |
| Asheville, NC | 85 | $ 10,289,000 | $ 121,047 | $ 73,000 |
| Essex County, MA | 82 | $ 13,471,000 | $ 164,280 | $ 84,000 |
| Portland-South Portland-Biddeford, ME | 82 | $ 10,376,000 | $ 126,536 | $ 69,000 |
| Reading, PA | 82 | $ 8,038,000 | $ 98,024 | $ 59,000 |
| Cape Coral-Fort Myers, FL | 81 | $ 12,153,000 | $ 150,037 | $ 84,000 |
| Manchester-Nashua, NH | 81 | $ 11,023,000 | $ 136,086 | $ 77,000 |
| Wilmington, NC | 79 | $ 6,736,000 | $ 85,265 | $ 55,000 |
| Wichita, KS | 77 | $ 6,433,000 | $ 83,545 | $ 64,000 |
| Des Moines, IA | 76 | $ 6,394,000 | $ 84,131 | $ 64,000 |
| Sarasota-Bradenton-Venice, FL | 76 | $ 9,947,000 | $ 130,881 | $ 92,000 |
| Savannah, GA | 76 | $ 7,591,000 | $ 99,881 | $ 65,000 |
| Canton-Massillon, OH | 75 | $ 6,726,000 | $ 89,680 | $ 81,000 |
| Lancaster, PA | 75 | $ 5,976,000 | $ 79,680 | $ 56,000 |
| Augusta-Richmond County, GA-SC | 74 | $ 5,779,000 | $ 78,094 | $ 55,000 |
| Huntsville, AL | 74 | $ 5,183,000 | $ 70,040 | $ 74,000 |
| Tacoma, WA | 73 | $ 9,328,000 | $ 127,780 | $ 64,000 |
| Chattanooga, TN-GA | 72 | $ 6,091,000 | $ 84,597 | $ 62,000 |
| Fayetteville, NC | 70 | $ 5,592,000 | $ 79,885 | $ 66,000 |
| Hickory-Lenoir-Morganton, NC | 70 | $ 5,951,000 | $ 85,014 | $ 59,000 |
| Lakeland, FL | 70 | $ 6,735,000 | $ 96,214 | $ 78,000 |
| Palm Bay-Melbourne-Titusville, FL | 70 | $ 9,288,000 | $ 132,685 | $ 66,000 |
| Springfield, MO | 70 | $ 4,351,000 | $ 62,157 | $ 57,000 |
| Austin-Round Rock, TX | 66 | $ 9,861,000 | $ 149,409 | $ 92,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 66 | $ 8,325,000 | $ 126,136 | $ 90,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 65 | $ 6,274,000 | $ 96,523 | $ 60,000 |
| Utica-Rome, NY | 64 | $ 4,480,000 | $ 70,000 | $ 84,000 |
| Rockford, IL | 63 | $ 6,075,000 | $ 96,428 | $ 69,000 |
| Shreveport-Bossier City, LA | 63 | $ 4,823,000 | $ 76,555 | $ 66,000 |
| Ann Arbor, MI | 62 | $ 7,736,000 | $ 124,774 | $ 94,000 |
| Lexington-Fayette, KY | 62 | $ 6,137,000 | $ 98,983 | $ 59,000 |
| Columbus, GA-AL | 61 | $ 6,280,000 | $ 102,950 | $ 60,000 |
| Kalamazoo-Portage, MI | 61 | $ 5,208,000 | $ 85,377 | $ 78,000 |
| Madison, WI | 60 | $ 6,329,000 | $ 105,483 | $ 72,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 59 | $ 12,089,000 | $ 204,898 | $ 108,000 |
| Port St. Lucie-Fort Pierce, FL | 58 | $ 6,908,000 | $ 119,103 | $ 67,000 |
| Trenton-Ewing, NJ | 57 | $ 8,685,000 | $ 152,368 | $ 75,000 |
| Boise City-Nampa, ID | 56 | $ 4,905,000 | $ 87,589 | $ 71,000 |
| Pensacola-Ferry Pass-Brent, FL | 56 | $ 5,905,000 | $ 105,446 | $ 66,000 |
| Peoria, IL | 56 | $ 3,872,000 | $ 69,142 | $ 56,000 |
| Greeley, CO | 55 | $ 5,489,000 | $ 99,800 | $ 72,000 |
| Green Bay, WI | 55 | $ 5,716,000 | $ 103,927 | $ 76,000 |
| Ocala, FL | 55 | $ 5,353,000 | $ 97,327 | $ 47,000 |
| Stockton, CA | 55 | $ 10,415,000 | $ 189,363 | $ 92,000 |
| Roanoke, VA | 54 | $ 4,656,000 | $ 86,222 | $ 52,000 |
| South Bend-Mishawaka, IN-MI | 54 | $ 4,592,000 | $ 85,037 | $ 73,000 |
| Spokane, WA | 54 | $ 5,351,000 | $ 99,092 | $ 73,000 |
| Atlantic City, NJ | 53 | $ 6,247,000 | $ 117,867 | $ 73,000 |
| Spartanburg, SC | 53 | $ 4,614,000 | $ 87,056 | $ 62,000 |
| Provo-Orem, UT | 52 | $ 6,254,000 | $ 120,269 | $ 70,000 |
| Bakersfield, CA | 51 | $ 7,159,000 | $ 140,372 | $ 83,000 |
| Ogden-Clearfield, UT | 51 | $ 4,816,000 | $ 94,431 | $ 69,000 |
| Tallahassee, FL | 51 | $ 4,925,000 | $ 96,568 | $ 57,000 |
| Fort Collins-Loveland, CO | 50 | $ 5,753,000 | $ 115,060 | $ 70,000 |
| Binghamton, NY | 48 | $ 3,010,000 | $ 62,708 | $ 53,000 |
| Erie, PA | 48 | $ 3,996,000 | $ 83,250 | $ 87,000 |
| Fresno, CA | 48 | $ 9,658,000 | $ 201,208 | $ 79,000 |
| Jackson, MI | 48 | $ 4,013,000 | $ 83,604 | $ 63,000 |
| Jackson, MS | 48 | $ 4,627,000 | $ 96,395 | $ 57,000 |
| Macon, GA | 47 | $ 3,987,000 | $ 84,829 | $ 62,000 |
| Glens Falls, NY | 46 | $ 4,440,000 | $ 96,521 | $ 116,000 |
| Honolulu, HI | 46 | $ 10,217,000 | $ 222,108 | $ 82,000 |
| Lynchburg, VA | 46 | $ 5,149,000 | $ 111,934 | $ 54,000 |
| Anchorage, AK | 45 | $ 6,531,000 | $ 145,133 | $ 64,000 |
| Saginaw-Saginaw Township North, MI | 44 | $ 3,225,000 | $ 73,295 | $ 55,000 |
| Dover, DE | 43 | $ 4,112,000 | $ 95,627 | $ 66,000 |
| Bangor, ME | 42 | $ 4,211,000 | $ 100,261 | $ 58,000 |
| Eugene-Springfield, OR | 40 | $ 4,193,000 | $ 104,825 | $ 68,000 |
| Kingston, NY | 40 | $ 5,980,000 | $ 149,500 | $ 70,000 |
| Santa Rosa-Petaluma, CA | 40 | $ 9,897,000 | $ 247,425 | $ 105,000 |
| Springfield, IL | 40 | $ 2,407,000 | $ 60,175 | $ 63,000 |
| Anderson, IN | 39 | $ 3,237,000 | $ 83,000 | $ 61,000 |
| Anderson, SC | 39 | $ 3,109,000 | $ 79,717 | $ 49,000 |
| Evansville, IN-KY | 39 | $ 2,448,000 | $ 62,769 | $ 74,000 |
| El Paso, TX | 38 | $ 3,755,000 | $ 98,815 | $ 63,000 |
| Florence, SC | 38 | $ 3,184,000 | $ 83,789 | $ 63,000 |
| Gainesville, FL | 38 | $ 3,956,000 | $ 104,105 | $ 54,000 |
| Monroe, MI | 38 | $ 3,915,000 | $ 103,026 | $ 57,000 |
| Lafayette, IN | 37 | $ 3,354,000 | $ 90,648 | $ 61,000 |
| Salem, OR | 37 | $ 3,713,000 | $ 100,351 | $ 86,000 |
| Topeka, KS | 37 | $ 3,011,000 | $ 81,378 | $ 63,000 |
| Dothan, AL | 36 | $ 2,709,000 | $ 75,250 | $ 54,000 |
| Norwich-New London, CT | 36 | $ 5,799,000 | $ 161,083 | $ 77,000 |
| Albany, GA | 35 | $ 3,436,000 | $ 98,171 | $ 68,000 |
| Charleston, WV | 35 | $ 3,551,000 | $ 101,457 | $ 59,000 |
| Charlottesville, VA | 35 | $ 4,262,000 | $ 121,771 | $ 60,000 |
| Lafayette, LA | 35 | $ 3,045,000 | $ 87,000 | $ 56,000 |
| Muskegon-Norton Shores, MI | 35 | $ 2,871,000 | $ 82,028 | $ 56,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 35 | $ 8,595,000 | $ 245,571 | $ 89,000 |
| Rocky Mount, NC | 35 | $ 2,613,000 | $ 74,657 | $ 55,000 |
| Appleton, WI | 34 | $ 3,193,000 | $ 93,911 | $ 62,000 |
| Bremerton-Silverdale, WA | 34 | $ 4,456,000 | $ 131,058 | $ 81,000 |
| Naples-Marco Island, FL | 34 | $ 5,015,000 | $ 147,500 | $ 92,000 |
| Vallejo-Fairfield, CA | 34 | $ 6,351,000 | $ 186,794 | $ 100,000 |
| Corpus Christi, TX | 33 | $ 2,682,000 | $ 81,272 | $ 42,000 |
| Lake Charles, LA | 33 | $ 2,479,000 | $ 75,121 | $ 69,000 |
| Warner Robins, GA | 33 | $ 2,727,000 | $ 82,636 | $ 66,000 |
| Altoona, PA | 32 | $ 2,677,000 | $ 83,656 | $ 62,000 |
| Cedar Rapids, IA | 32 | $ 2,443,000 | $ 76,343 | $ 53,000 |
| Houma-Bayou Cane-Thibodaux, LA | 32 | $ 2,581,000 | $ 80,656 | $ 64,000 |
| Lewiston-Auburn, ME | 32 | $ 4,450,000 | $ 139,062 | $ 60,000 |
| Lincoln, NE | 32 | $ 3,537,000 | $ 110,531 | $ 82,000 |
| Clarksville, TN-KY | 31 | $ 2,728,000 | $ 88,000 | $ 56,000 |
| Elizabethtown, KY | 31 | $ 2,808,000 | $ 90,580 | $ 79,000 |
| Elkhart-Goshen, IN | 31 | $ 2,719,000 | $ 87,709 | $ 62,000 |
| Morristown, TN | 31 | $ 3,626,000 | $ 116,967 | $ 51,000 |
| Bloomington-Normal, IL | 30 | $ 2,318,000 | $ 77,266 | $ 115,000 |
| Holland-Grand Haven, MI | 30 | $ 2,290,000 | $ 76,333 | $ 70,000 |
| Joplin, MO | 30 | $ 1,960,000 | $ 65,333 | $ 56,000 |
| Reno-Sparks, NV | 30 | $ 4,562,000 | $ 152,066 | $ 86,000 |
| Tuscaloosa, AL | 30 | $ 2,687,000 | $ 89,566 | $ 63,000 |
| Decatur, AL | 29 | $ 2,078,000 | $ 71,655 | $ 60,000 |
| Ocean City, NJ | 29 | $ 2,962,000 | $ 102,137 | $ 63,000 |
| State College, PA | 29 | $ 3,550,000 | $ 122,413 | $ 55,000 |
| Anniston-Oxford, AL | 28 | $ 2,673,000 | $ 95,464 | $ 68,000 |
| Prescott, AZ | 28 | $ 4,004,000 | $ 143,000 | $ 74,000 |
| Williamsport, PA | 28 | $ 1,588,000 | $ 56,714 | $ 42,000 |
| Athens-Clarke County, GA | 27 | $ 2,876,000 | $ 106,518 | $ 55,000 |
| Bay City, MI | 27 | $ 2,320,000 | $ 85,925 | $ 53,000 |
| Dalton, GA | 27 | $ 2,178,000 | $ 80,666 | $ 60,000 |
| Pueblo, CO | 27 | $ 2,862,000 | $ 106,000 | $ 63,000 |
| Sumter, SC | 27 | $ 1,919,000 | $ 71,074 | $ 48,000 |
| Visalia-Porterville, CA | 27 | $ 3,193,000 | $ 118,259 | $ 76,000 |
| Barnstable Town, MA | 26 | $ 3,470,000 | $ 133,461 | $ 63,000 |
| Brunswick, GA | 26 | $ 2,876,000 | $ 110,615 | $ 64,000 |
| Gadsden, AL | 26 | $ 2,421,000 | $ 93,115 | $ 64,000 |
| Jacksonville, NC | 26 | $ 2,062,000 | $ 79,307 | $ 62,000 |
| Janesville, WI | 26 | $ 1,546,000 | $ 59,461 | $ 63,000 |
| Monroe, LA | 26 | $ 2,719,000 | $ 104,576 | $ 60,000 |
| Terre Haute, IN | 26 | $ 2,119,000 | $ 81,500 | $ 49,000 |
| Vineland-Millville-Bridgeton, NJ | 26 | $ 2,448,000 | $ 94,153 | $ 71,000 |
| Boulder, CO | 25 | $ 3,259,000 | $ 130,360 | $ 96,000 |
| Gainesville, GA | 25 | $ 2,802,000 | $ 112,080 | $ 90,000 |
| Greenville, NC | 25 | $ 2,123,000 | $ 84,920 | $ 67,000 |
| Kennewick-Richland-Pasco, WA | 25 | $ 2,811,000 | $ 112,440 | $ 85,000 |
| McAllen-Edinburg-Pharr, TX | 25 | $ 2,671,000 | $ 106,840 | $ 62,000 |
| Racine, WI | 25 | $ 2,380,000 | $ 95,200 | $ 89,000 |
| Auburn-Opelika, AL | 24 | $ 1,810,000 | $ 75,416 | $ 57,000 |
| Bloomington, IN | 24 | $ 1,729,000 | $ 72,041 | $ 83,000 |
| Champaign-Urbana, IL | 24 | $ 2,023,000 | $ 84,291 | $ 58,000 |
| Danville, VA | 24 | $ 1,818,000 | $ 75,750 | $ 71,000 |
| Johnson City, TN | 24 | $ 1,850,000 | $ 77,083 | $ 64,000 |
| Killeen-Temple-Fort Hood, TX | 24 | $ 2,439,000 | $ 101,625 | $ 67,000 |
| Lima, OH | 24 | $ 2,014,000 | $ 83,916 | $ 49,000 |
| Michigan City-La Porte, IN | 24 | $ 1,657,000 | $ 69,041 | $ 56,000 |
| Olympia, WA | 24 | $ 3,286,000 | $ 136,916 | $ 76,000 |
| Salisbury, MD | 24 | $ 3,036,000 | $ 126,500 | $ 70,000 |
| Burlington, NC | 23 | $ 2,194,000 | $ 95,391 | $ 62,000 |
| Bend, OR | 22 | $ 2,424,000 | $ 110,181 | $ 60,000 |
| Hagerstown-Martinsburg, MD-WV | 22 | $ 2,560,000 | $ 116,363 | $ 63,000 |
| Kingsport-Bristol-Bristol, TN-VA | 22 | $ 2,021,000 | $ 91,863 | $ 62,000 |
| Las Cruces, NM | 22 | $ 2,297,000 | $ 104,409 | $ 66,000 |
| Modesto, CA | 22 | $ 2,829,000 | $ 128,590 | $ 82,000 |
| Niles-Benton Harbor, MI | 22 | $ 1,675,000 | $ 76,136 | $ 62,000 |
| Wausau, WI | 22 | $ 1,967,000 | $ 89,409 | $ 57,000 |
| Beaumont-Port Arthur, TX | 21 | $ 2,105,000 | $ 100,238 | $ 58,000 |
| Decatur, IL | 21 | $ 1,244,000 | $ 59,238 | $ 60,000 |
| Johnstown, PA | 21 | $ 1,204,000 | $ 57,333 | $ 47,000 |
| Medford, OR | 21 | $ 3,166,000 | $ 150,761 | $ 60,000 |
| Sandusky, OH | 21 | $ 1,691,000 | $ 80,523 | $ 56,000 |
| Yakima, WA | 21 | $ 2,084,000 | $ 99,238 | $ 44,000 |
| Goldsboro, NC | 20 | $ 2,063,000 | $ 103,150 | $ 48,000 |
| Panama City-Lynn Haven, FL | 20 | $ 2,459,000 | $ 122,950 | $ 67,000 |
| Santa Fe, NM | 20 | $ 2,890,000 | $ 144,500 | $ 76,000 |
| Alexandria, LA | 19 | $ 1,648,000 | $ 86,736 | $ 75,000 |
| Battle Creek, MI | 19 | $ 1,577,000 | $ 83,000 | $ 45,000 |
| Eau Claire, WI | 19 | $ 1,802,000 | $ 94,842 | $ 63,000 |
| Florence-Muscle Shoals, AL | 19 | $ 1,122,000 | $ 59,052 | $ 55,000 |
| Grand Junction, CO | 19 | $ 1,596,000 | $ 84,000 | $ 55,000 |
| Kokomo, IN | 19 | $ 1,147,000 | $ 60,368 | $ 61,000 |
| Duluth, MN-WI | 18 | $ 1,426,000 | $ 79,222 | $ 61,000 |
| Fort Smith, AR-OK | 18 | $ 1,409,000 | $ 78,277 | $ 55,000 |
| Hot Springs, AR | 18 | $ 2,100,000 | $ 116,666 | $ 101,000 |
| Jackson, TN | 18 | $ 1,557,000 | $ 86,500 | $ 58,000 |
| Lawrence, KS | 18 | $ 1,556,000 | $ 86,444 | $ 73,000 |
| Mansfield, OH | 18 | $ 1,544,000 | $ 85,777 | $ 57,000 |
| Pocatello, ID | 18 | $ 2,844,000 | $ 158,000 | $ 185,000 |
| Springfield, OH | 18 | $ 1,231,000 | $ 68,388 | $ 60,000 |
| Bellingham, WA | 17 | $ 2,558,000 | $ 150,470 | $ 65,000 |
| Cheyenne, WY | 17 | $ 1,274,000 | $ 74,941 | $ 64,000 |
| Coeur D'Alene, ID | 17 | $ 1,504,000 | $ 88,470 | $ 58,000 |
| Columbia, MO | 17 | $ 2,830,000 | $ 166,470 | $ 86,000 |
| Cumberland, MD-WV | 17 | $ 1,750,000 | $ 102,941 | $ 61,000 |
| Farmington, NM | 17 | $ 2,433,000 | $ 143,117 | $ 76,000 |
| Idaho Falls, ID | 17 | $ 1,591,000 | $ 93,588 | $ 58,000 |
| Lebanon, PA | 17 | $ 1,804,000 | $ 106,117 | $ 66,000 |
| Madera, CA | 17 | $ 3,171,000 | $ 186,529 | $ 74,000 |
| Punta Gorda, FL | 17 | $ 2,240,000 | $ 131,764 | $ 61,000 |
| Salinas, CA | 17 | $ 5,056,000 | $ 297,411 | $ 154,000 |
| St. George, UT | 17 | $ 3,157,000 | $ 185,705 | $ 64,000 |
| Billings, MT | 16 | $ 1,658,000 | $ 103,625 | $ 62,000 |
| Bowling Green, KY | 16 | $ 995,000 | $ 62,187 | $ 50,000 |
| Cleveland, TN | 16 | $ 1,456,000 | $ 91,000 | $ 69,000 |
| Jefferson City, MO | 16 | $ 1,427,000 | $ 89,187 | $ 53,000 |
| Missoula, MT | 16 | $ 1,771,000 | $ 110,687 | $ 82,000 |
| Morgantown, WV | 16 | $ 1,205,000 | $ 75,312 | $ 53,000 |
| Owensboro, KY | 16 | $ 1,042,000 | $ 65,125 | $ 49,000 |
| Parkersburg-Marietta, WV-OH | 16 | $ 1,547,000 | $ 96,687 | $ 90,000 |
| Rome, GA | 16 | $ 1,261,000 | $ 78,812 | $ 71,000 |
| St. Joseph, MO-KS | 16 | $ 908,000 | $ 56,750 | $ 47,000 |
| Valdosta, GA | 16 | $ 1,517,000 | $ 94,812 | $ 108,000 |
| Vero Beach, FL | 16 | $ 2,229,000 | $ 139,312 | $ 115,000 |
| Waterloo-Cedar Falls, IA | 16 | $ 1,311,000 | $ 81,937 | $ 55,000 |
| Yuba City, CA | 16 | $ 2,219,000 | $ 138,687 | $ 54,000 |
| Blacksburg-Christiansburg-Radford, VA | 15 | $ 1,216,000 | $ 81,066 | $ 61,000 |
| Elmira, NY | 15 | $ 1,337,000 | $ 89,133 | $ 63,000 |
| Fond Du Lac, WI | 15 | $ 1,534,000 | $ 102,266 | $ 43,000 |
| Hattiesburg, MS | 15 | $ 1,185,000 | $ 79,000 | $ 55,000 |
| Rochester, MN | 15 | $ 1,827,000 | $ 121,800 | $ 54,000 |
| Yuma, AZ | 15 | $ 1,407,000 | $ 93,800 | $ 66,000 |
| Brownsville-Harlingen, TX | 14 | $ 990,000 | $ 70,714 | $ 59,000 |
| Hinesville-Fort Stewart, GA | 14 | $ 901,000 | $ 64,357 | $ 43,000 |
| Jonesboro, AR | 14 | $ 1,334,000 | $ 95,285 | $ 99,000 |
| Muncie, IN | 14 | $ 917,000 | $ 65,500 | $ 67,000 |
| Pittsfield, MA | 14 | $ 1,791,000 | $ 127,928 | $ 75,000 |
| Davenport-Moline-Rock Island, IA-IL | 13 | $ 971,000 | $ 74,692 | $ 55,000 |
| Flagstaff, AZ | 13 | $ 1,211,000 | $ 93,153 | $ 63,000 |
| Longview, TX | 13 | $ 1,179,000 | $ 90,692 | $ 65,000 |
| Pine Bluff, AR | 13 | $ 994,000 | $ 76,461 | $ 68,000 |
| Sioux Falls, SD | 13 | $ 1,473,000 | $ 113,307 | $ 64,000 |
| Amarillo, TX | 12 | $ 1,030,000 | $ 85,833 | $ 55,000 |
| Fort Walton Beach-Crestview-Destin, FL | 12 | $ 1,416,000 | $ 118,000 | $ 50,000 |
| Gulfport-Biloxi, MS | 12 | $ 1,189,000 | $ 99,083 | $ 88,000 |
| Lawton, OK | 12 | $ 827,000 | $ 68,916 | $ 62,000 |
| Logan, UT-ID | 12 | $ 1,097,000 | $ 91,416 | $ 59,000 |
| Pascagoula, MS | 12 | $ 988,000 | $ 82,333 | $ 55,000 |
| San Luis Obispo-Paso Robles, CA | 12 | $ 2,091,000 | $ 174,250 | $ 83,000 |
| Sioux City, IA-NE-SD | 12 | $ 808,000 | $ 67,333 | $ 83,000 |
| Waco, TX | 12 | $ 1,389,000 | $ 115,750 | $ 83,000 |
| Ames, IA | 11 | $ 1,105,000 | $ 100,454 | $ 62,000 |
| College Station-Bryan, TX | 11 | $ 1,375,000 | $ 125,000 | $ 93,000 |
| Dubuque, IA | 11 | $ 900,000 | $ 81,818 | $ 103,000 |
| Harrisonburg, VA | 11 | $ 1,156,000 | $ 105,090 | $ 55,000 |
| Huntington-Ashland, WV-KY-OH | 11 | $ 954,000 | $ 86,727 | $ 80,000 |
| Longview, WA | 11 | $ 590,000 | $ 53,636 | $ 42,000 |
| Merced, CA | 11 | $ 789,000 | $ 71,727 | $ 62,000 |
| St. Cloud, MN | 11 | $ 1,019,000 | $ 92,636 | $ 68,000 |
| Tyler, TX | 11 | $ 1,126,000 | $ 102,363 | $ 77,000 |
| Casper, WY | 10 | $ 917,000 | $ 91,700 | $ 54,000 |
| Danville, IL | 10 | $ 669,000 | $ 66,900 | $ 57,000 |
| Hanford-Corcoran, CA | 10 | $ 1,334,000 | $ 133,400 | $ 48,000 |
| Ithaca, NY | 10 | $ 963,000 | $ 96,300 | $ 58,000 |
| Kankakee-Bradley, IL | 10 | $ 977,000 | $ 97,700 | $ 66,000 |
| Lubbock, TX | 10 | $ 1,079,000 | $ 107,900 | $ 236,000 |
| Redding, CA | 10 | $ 1,705,000 | $ 170,500 | $ 81,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 10 | $ 1,705,000 | $ 170,500 | $ 62,000 |
| Wheeling, WV-OH | 10 | $ 666,000 | $ 66,600 | $ 44,000 |
| Burlington-South Burlington, VT | 9 | $ 988,000 | $ 109,777 | $ 54,000 |
| Iowa City, IA | 9 | $ 843,000 | $ 93,666 | $ 57,000 |
| La Crosse, WI-MN | 9 | $ 810,000 | $ 90,000 | $ 40,000 |
| Laredo, TX | 9 | $ 1,173,000 | $ 130,333 | $ 86,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 1,278,000 | $ 142,000 | $ 97,000 |
| Winchester, VA-WV | 9 | $ 1,062,000 | $ 118,000 | $ 43,000 |
| Abilene, TX | 8 | $ 955,000 | $ 119,375 | $ 76,000 |
| Chico, CA | 8 | $ 1,197,000 | $ 149,625 | $ 57,000 |
| El Centro, CA | 8 | $ 965,000 | $ 120,625 | $ 72,000 |
| Bismarck, ND | 7 | $ 622,000 | $ 88,857 | $ 77,000 |
| Corvallis, OR | 7 | $ 989,000 | $ 141,285 | $ 127,000 |
| Fairbanks, AK | 7 | $ 990,000 | $ 141,428 | $ 117,000 |
| Great Falls, MT | 7 | $ 442,000 | $ 63,142 | $ 64,000 |
| Mount Vernon-Anacortes, WA | 7 | $ 2,150,000 | $ 307,142 | $ 61,000 |
| Oshkosh-Neenah, WI | 7 | $ 501,000 | $ 71,571 | $ 55,000 |
| Sheboygan, WI | 7 | $ 893,000 | $ 127,571 | $ 101,000 |
| Sherman-Denison, TX | 7 | $ 848,000 | $ 121,142 | $ 103,000 |
| Weirton-Steubenville, WV-OH | 7 | $ 471,000 | $ 67,285 | $ 46,000 |
| Wenatchee, WA | 7 | $ 749,000 | $ 107,000 | $ 68,000 |
| Fargo, ND-MN | 5 | $ 346,000 | $ 69,200 | $ 58,000 |
| Napa, CA | 5 | $ 2,447,000 | $ 489,400 | $ 218,000 |
| Rapid City, SD | 5 | $ 410,000 | $ 82,000 | $ 36,000 |
| Texarkana, Tx-Texarkana, AR | 5 | $ 378,000 | $ 75,600 | $ 36,000 |
| Odessa, TX | 4 | $ 367,000 | $ 91,750 | $ 62,000 |
| Victoria, TX | 4 | $ 385,000 | $ 96,250 | $ 74,000 |
| Carson City, NV | 3 | $ 347,000 | $ 115,666 | $ 55,000 |
| Columbus, IN | 3 | $ 230,000 | $ 76,666 | $ 61,000 |
| Grand Forks, ND-MN | 3 | $ 257,000 | $ 85,666 | $ 31,000 |
| Lewiston, ID-WA | 3 | $ 403,000 | $ 134,333 | $ 44,000 |
| Midland, TX | 2 | $ 144,000 | $ 72,000 | $ 33,000 |
| Wichita Falls, TX | 2 | $ 95,000 | $ 47,500 | $ 66,000 |
| San Angelo, TX | 1 | $ 181,000 | $ 181,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Mbna America Delaware, N.A. in 2005
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 | 33,359 | $4,148,324,000 | $122,960 | $4,464,000 | $69,254 | $4,500,000 |
| Home Improvement | 5,674 | $420,522,000 | $73,254 | $4,500,000 | $72,784 | $1,840,000 |
| Home Purchase | 1,489 | $172,392,000 | $95,865 | $2,936,000 | $80,442 | $2,800,000 |
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 | 25,438 | $2,889,636,000 | $116,096 | $4,500,000 | $72,288 | $4,500,000 |
| Not Provided | 7,869 | $978,780,000 | $117,807 | $4,464,000 | $73,519 | $2,880,000 |
| Black or African American | 4,207 | $445,827,000 | $110,173 | $1,005,000 | $66,717 | $715,000 |
| Hispanic | 1,808 | $244,582,000 | $122,673 | $4,041,000 | $67,795 | $1,077,000 |
| Asian | 751 | $132,549,000 | $158,431 | $1,231,000 | $95,954 | $900,000 |
| American Indian or Alaskan Native | 344 | $34,404,000 | $95,918 | $463,000 | $58,775 | $490,000 |
| Native Hawaiian or Other Pacific Islander | 104 | $15,325,000 | $124,000 | $643,000 | $69,777 | $370,000 |
| Not applicable | 1 | $135,000 | $135,000 | $135,000 | $53,000 | $53,000 |
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) | 40,522 | $4,741,238,000 | $116,134 | $4,500,000 | $70,730 | $4,500,000 |
| 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 | 26,875 | $3,194,361,000 | $117,294 | $4,500,000 | $69,019 | $4,500,000 |
| Application Withdrawn By Applicant | 6,638 | $759,314,000 | $111,607 | $1,257,000 | $78,901 | $2,220,000 |
| Loan Originated | 5,117 | $551,239,000 | $108,235 | $1,076,000 | $70,647 | $2,513,000 |
| Application Approved But Not Accepted | 1,394 | $162,106,000 | $105,980 | $1,000,000 | $74,980 | $1,220,000 |
| Loan Purchased By The Institution | 181 | $31,342,000 | $496,375 | $1,005,000 | $5,250 | $74,000 |
| File Closed For Incompleteness | 174 | $17,501,000 | $103,028 | $770,000 | $78,171 | $2,880,000 |
| Preapproval Approved but not Accepted | 78 | $13,611,000 | $174,000 | $440,000 | $93,000 | $425,000 |
| Preapproval Denied by Financial Institution | 65 | $11,764,000 | $180,000 | $500,000 | $57,000 | $243,000 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 8,602 | $1,177,595,000 | $128,346 | $4,500,000 | $46,692 | $1,840,000 |
| Credit History | 5,833 | $665,248,000 | $116,269 | $2,000,000 | $68,076 | $1,542,000 |
| Collateral | 4,278 | $449,945,000 | $116,769 | $1,925,000 | $82,134 | $3,021,000 |
| Other | 4,170 | $486,582,000 | $106,596 | $4,464,000 | $76,788 | $4,500,000 |
| Credit Application Incomplete | 3,615 | $381,477,000 | $108,176 | $1,000,000 | $80,549 | $1,118,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 208 | $22,305,000 | $99,727 | $506,000 | $65,840 | $650,000 |
| Employment History | 166 | $14,956,000 | $81,878 | $739,000 | $82,317 | $393,000 |
| Unverifiable Information | 68 | $8,017,000 | $103,709 | $592,000 | $81,677 | $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 2005 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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