Amtrust Bank Mortgage Lending & HMDA Data, 2003

In 2003, Amtrust Bank of Cleveland, OH reported 166,288 mortgage applications totaling $30.8 billion. The average application was for $185,064, and applicants reported an average income of $84,260. 72% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Minneapolis-St. Paul, MN-WI (7,058), Chicago, IL (6,929) and Detroit, MI (5,913) (applications in parentheses).

Mortgage Company & Address Amtrust Bank
1801 E. 9th St #200
Cleveland, OH 44114
Tel #: available with data download
Federal Regulator * available with data download
Years 2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 166,288
Total Mortgage Loan Application Amount $30,774,021,000
Average Mortgage Loan Application Amount $185,064
Highest Mortgage Loan Application Amount $5,300,000
Average Applicant Income $84,260
Highest Applicant Income $9,069,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Amtrust Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Amtrust Bank by County in 2003

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 5,364 $ 1,449,673,000 $ 270,259 $ 118,000
Palm Beach, Florida 4,675 $ 755,867,000 $ 161,682 $ 73,000
Maricopa, Arizona 4,431 $ 751,822,000 $ 169,673 $ 85,000
Broward, Florida 4,006 $ 616,839,000 $ 153,978 $ 81,000
Orange, California 3,920 $ 1,182,461,000 $ 301,648 $ 117,000
San Diego, California 3,781 $ 1,064,487,000 $ 281,535 $ 114,000
Cook, Illinois 3,633 $ 764,199,000 $ 210,349 $ 85,000
Cuyahoga, Ohio 3,377 $ 408,763,000 $ 121,043 $ 75,000
Worcester, Massachusetts 3,297 $ 588,379,000 $ 178,458 $ 76,000
Oakland, Michigan 2,732 $ 563,986,000 $ 206,437 $ 90,000
Harris, Texas 2,565 $ 427,237,000 $ 166,564 $ 107,000
Hennepin, Minnesota 2,493 $ 471,606,000 $ 189,172 $ 74,000
Miami-Dade, Florida 2,120 $ 340,837,000 $ 160,772 $ 77,000
Wayne, Michigan 1,914 $ 311,586,000 $ 162,793 $ 76,000
Clark, Nevada 1,892 $ 333,965,000 $ 176,514 $ 98,000
St. Louis, Missouri 1,723 $ 267,410,000 $ 155,200 $ 64,000
Middlesex, Massachusetts 1,643 $ 401,019,000 $ 244,077 $ 94,000
King, Washington 1,551 $ 422,871,000 $ 272,644 $ 110,000
Summit, Ohio 1,445 $ 184,682,000 $ 127,807 $ 78,000
Essex, Massachusetts 1,429 $ 328,882,000 $ 230,148 $ 94,000
Franklin, Ohio 1,374 $ 161,661,000 $ 117,657 $ 74,000
New Haven, Connecticut 1,268 $ 213,487,000 $ 168,365 $ 74,000
Riverside, California 1,261 $ 270,814,000 $ 214,761 $ 100,000
Monmouth, New Jersey 1,232 $ 268,228,000 $ 217,717 $ 114,000
Milwaukee, Wisconsin 1,212 $ 158,213,000 $ 130,538 $ 75,000
Lucas, Ohio 1,144 $ 160,443,000 $ 140,247 $ 71,000
Montgomery, Maryland 1,118 $ 250,377,000 $ 223,950 $ 134,000
Fairfield, Connecticut 1,115 $ 275,013,000 $ 246,648 $ 110,000
Hillsborough, Florida 1,108 $ 174,346,000 $ 157,351 $ 92,000
Cumberland, Maine 1,101 $ 192,850,000 $ 175,158 $ 84,000
Suffolk, New York 1,082 $ 258,012,000 $ 238,458 $ 87,000
Dakota, Minnesota 1,051 $ 194,480,000 $ 185,042 $ 60,000
Wake, North Carolina 1,035 $ 188,526,000 $ 182,150 $ 111,000
Travis, Texas 1,031 $ 179,866,000 $ 174,457 $ 106,000
Hartford, Connecticut 1,030 $ 180,677,000 $ 175,414 $ 79,000
New Hanover, North Carolina 1,002 $ 155,722,000 $ 155,411 $ 74,000
Macomb, Michigan 980 $ 154,966,000 $ 158,128 $ 62,000
Waukesha, Wisconsin 974 $ 176,107,000 $ 180,808 $ 87,000
Barnstable, Massachusetts 959 $ 204,132,000 $ 212,859 $ 90,000
Washtenaw, Michigan 959 $ 189,451,000 $ 197,550 $ 92,000
Fulton, Georgia 935 $ 191,472,000 $ 204,782 $ 94,000
St. Charles, Missouri 931 $ 137,663,000 $ 147,865 $ 70,000
Gwinnett, Georgia 878 $ 139,368,000 $ 158,733 $ 61,000
DuPage, Illinois 873 $ 177,102,000 $ 202,865 $ 94,000
San Bernardino, California 852 $ 166,467,000 $ 195,383 $ 80,000
Ramsey, Minnesota 845 $ 137,339,000 $ 162,531 $ 67,000
Jefferson, Colorado 825 $ 173,818,000 $ 210,688 $ 96,000
Anoka, Minnesota 822 $ 139,961,000 $ 170,268 $ 62,000
Norfolk, Massachusetts 796 $ 202,554,000 $ 254,464 $ 99,000
Contra Costa, California 791 $ 225,088,000 $ 284,561 $ 108,000
Suffolk, Massachusetts 781 $ 199,385,000 $ 255,294 $ 101,000
Boulder, Colorado 770 $ 172,992,000 $ 224,664 $ 94,000
Westchester, New York 754 $ 208,158,000 $ 276,071 $ 118,000
Ocean, New Jersey 690 $ 126,305,000 $ 183,050 $ 80,000
Hamilton, Ohio 675 $ 122,711,000 $ 181,794 $ 90,000
Lake, Illinois 673 $ 138,056,000 $ 205,135 $ 90,000
Cobb, Georgia 664 $ 112,770,000 $ 169,834 $ 72,000
Plymouth, Massachusetts 607 $ 136,482,000 $ 224,846 $ 77,000
Denver, Colorado 592 $ 114,072,000 $ 192,689 $ 76,000
Warren, Ohio 587 $ 117,309,000 $ 199,844 $ 91,000
Middlesex, New Jersey 586 $ 121,308,000 $ 207,010 $ 85,000
Orange, Florida 569 $ 92,611,000 $ 162,760 $ 74,000
Arapahoe, Colorado 564 $ 109,065,000 $ 193,377 $ 88,000
Pinellas, Florida 563 $ 89,731,000 $ 159,380 $ 74,000
Kane, Illinois 553 $ 100,922,000 $ 182,499 $ 70,000
Will, Illinois 548 $ 100,411,000 $ 183,231 $ 69,000
Alameda, California 535 $ 156,234,000 $ 292,026 $ 101,000
Pima, Arizona 518 $ 82,889,000 $ 160,017 $ 104,000
Dallas, Texas 515 $ 86,181,000 $ 167,341 $ 81,000
Lake, Ohio 514 $ 61,297,000 $ 119,254 $ 49,000
Livingston, Michigan 507 $ 99,656,000 $ 196,560 $ 95,000
DeKalb, Georgia 502 $ 85,990,000 $ 171,294 $ 72,000
Washington, Minnesota 496 $ 102,556,000 $ 206,766 $ 70,000
McHenry, Illinois 483 $ 86,791,000 $ 179,691 $ 66,000
Carteret, North Carolina 478 $ 92,986,000 $ 194,531 $ 136,000
Fort Bend, Texas 474 $ 76,377,000 $ 161,132 $ 92,000
Boone, Kentucky 460 $ 76,561,000 $ 166,436 $ 85,000
Allegheny, Pennsylvania 446 $ 50,891,000 $ 114,105 $ 73,000
Wood, Ohio 445 $ 70,125,000 $ 157,584 $ 74,000
Camden, Missouri 440 $ 58,720,000 $ 133,454 $ 77,000
Collier, Florida 439 $ 96,614,000 $ 220,077 $ 94,000
Johnson, Kansas 429 $ 67,933,000 $ 158,351 $ 77,000
Orange, North Carolina 422 $ 83,936,000 $ 198,900 $ 140,000
Stark, Ohio 418 $ 50,925,000 $ 121,830 $ 65,000
Douglas, Colorado 417 $ 98,582,000 $ 236,407 $ 94,000
Genesee, Michigan 412 $ 55,481,000 $ 134,662 $ 59,000
Ventura, California 410 $ 110,048,000 $ 268,409 $ 99,000
Sarasota, Florida 410 $ 72,129,000 $ 175,924 $ 114,000
Nassau, New York 407 $ 104,839,000 $ 257,589 $ 118,000
Fairfax, Virginia 404 $ 97,329,000 $ 240,913 $ 109,000
Clermont, Ohio 403 $ 69,196,000 $ 171,702 $ 88,000
Dane, Wisconsin 392 $ 64,473,000 $ 164,471 $ 69,000
Adams, Colorado 391 $ 71,482,000 $ 182,818 $ 65,000
Jefferson, Alabama 390 $ 48,465,000 $ 124,269 $ 64,000
Ulster, New York 385 $ 61,740,000 $ 160,363 $ 86,000
Seminole, Florida 378 $ 57,671,000 $ 152,568 $ 79,000
Charleston, South Carolina 375 $ 76,260,000 $ 203,360 $ 105,000
Scott, Minnesota 373 $ 75,701,000 $ 202,951 $ 73,000
Prince George's, Maryland 372 $ 66,456,000 $ 178,645 $ 83,000
Lorain, Ohio 372 $ 51,930,000 $ 139,596 $ 80,000
Medina, Ohio 372 $ 57,043,000 $ 153,341 $ 59,000
Martin, Florida 370 $ 65,354,000 $ 176,632 $ 85,000
Morris, New Jersey 367 $ 86,307,000 $ 235,168 $ 112,000
Collin, Texas 365 $ 69,378,000 $ 190,076 $ 127,000
Montgomery, Texas 365 $ 60,470,000 $ 165,671 $ 130,000
District of Columbia, District Of Columbia 360 $ 90,261,000 $ 250,725 $ 117,000
Jackson, Missouri 357 $ 41,961,000 $ 117,537 $ 70,000
Mecklenburg, North Carolina 355 $ 59,511,000 $ 167,636 $ 84,000
Anne Arundel, Maryland 350 $ 68,673,000 $ 196,208 $ 87,000
Butler, Ohio 346 $ 56,738,000 $ 163,982 $ 78,000
Olmsted, Minnesota 339 $ 52,058,000 $ 153,563 $ 77,000
Okaloosa, Florida 331 $ 54,901,000 $ 165,864 $ 122,000
Wright, Minnesota 330 $ 60,504,000 $ 183,345 $ 70,000
York, Maine 329 $ 56,475,000 $ 171,656 $ 93,000
Durham, North Carolina 328 $ 50,087,000 $ 152,704 $ 79,000
Williamson, Texas 323 $ 51,941,000 $ 160,808 $ 93,000
Denton, Texas 320 $ 58,490,000 $ 182,781 $ 106,000
Jefferson, Missouri 319 $ 40,593,000 $ 127,250 $ 46,000
Montgomery, Ohio 306 $ 44,481,000 $ 145,362 $ 66,000
Litchfield, Connecticut 304 $ 57,448,000 $ 188,973 $ 69,000
Sangamon, Illinois 303 $ 45,408,000 $ 149,861 $ 90,000
Sussex, New Jersey 303 $ 57,479,000 $ 189,699 $ 106,000
St. Lucie, Florida 300 $ 38,917,000 $ 129,723 $ 57,000
Richmond, New York 300 $ 69,888,000 $ 232,960 $ 71,000
Middlesex, Connecticut 296 $ 54,477,000 $ 184,043 $ 76,000
Yavapai, Arizona 291 $ 47,272,000 $ 162,446 $ 72,000
Hampden, Massachusetts 289 $ 39,267,000 $ 135,871 $ 53,000
Bergen, New Jersey 287 $ 71,556,000 $ 249,324 $ 114,000
Kings, New York 286 $ 92,703,000 $ 324,136 $ 46,000
Santa Clara, California 281 $ 90,930,000 $ 323,594 $ 126,000
Monroe, Florida 281 $ 63,724,000 $ 226,775 $ 122,000
Tarrant, Texas 281 $ 49,585,000 $ 176,459 $ 110,000
Sacramento, California 280 $ 54,313,000 $ 193,975 $ 85,000
Portage, Ohio 280 $ 45,644,000 $ 163,014 $ 57,000
St. Louis City, Missouri 278 $ 32,513,000 $ 116,953 $ 58,000
Salt Lake, Utah 278 $ 43,341,000 $ 155,902 $ 61,000
Montgomery, Alabama 273 $ 41,038,000 $ 150,322 $ 76,000
Snohomish, Washington 272 $ 58,411,000 $ 214,746 $ 74,000
Oklahoma, Oklahoma 264 $ 38,465,000 $ 145,700 $ 75,000
Washington, Wisconsin 262 $ 43,177,000 $ 164,797 $ 78,000
Brown, Wisconsin 261 $ 32,330,000 $ 123,869 $ 59,000
Dare, North Carolina 250 $ 61,313,000 $ 245,252 $ 124,000
Montgomery, Pennsylvania 247 $ 49,524,000 $ 200,502 $ 91,000
Marathon, Wisconsin 247 $ 26,344,000 $ 106,655 $ 44,000
Lee, Florida 246 $ 38,545,000 $ 156,686 $ 92,000
Washoe, Nevada 246 $ 48,336,000 $ 196,487 $ 77,000
Horry, South Carolina 246 $ 34,556,000 $ 140,471 $ 93,000
Lancaster, Pennsylvania 245 $ 32,093,000 $ 130,991 $ 69,000
Burlington, New Jersey 242 $ 44,620,000 $ 184,380 $ 75,000
Kenton, Kentucky 236 $ 36,651,000 $ 155,300 $ 68,000
Forsyth, Georgia 234 $ 45,993,000 $ 196,551 $ 83,000
Baltimore, Maryland 233 $ 38,102,000 $ 163,527 $ 65,000
Somerset, New Jersey 233 $ 59,327,000 $ 254,622 $ 123,000
Rockingham, New Hampshire 231 $ 49,340,000 $ 213,593 $ 89,000
El Paso, Colorado 229 $ 43,193,000 $ 188,615 $ 79,000
St. Croix, Wisconsin 225 $ 42,029,000 $ 186,795 $ 64,000
Carver, Minnesota 223 $ 45,459,000 $ 203,852 $ 89,000
Marion, Indiana 219 $ 27,006,000 $ 123,315 $ 62,000
Delaware, Ohio 218 $ 44,482,000 $ 204,045 $ 95,000
Jefferson, Texas 217 $ 26,066,000 $ 120,119 $ 83,000
Providence, Rhode Island 214 $ 36,736,000 $ 171,663 $ 81,000
Mobile, Alabama 213 $ 22,306,000 $ 104,723 $ 56,000
Bristol, Massachusetts 213 $ 42,561,000 $ 199,816 $ 75,000
Chester, Pennsylvania 213 $ 44,563,000 $ 209,215 $ 107,000
San Joaquin, California 206 $ 42,364,000 $ 205,650 $ 71,000
Cherokee, Georgia 203 $ 34,873,000 $ 171,788 $ 78,000
Dutchess, New York 203 $ 37,144,000 $ 182,975 $ 90,000
Warren, New Jersey 201 $ 35,406,000 $ 176,149 $ 92,000
Tolland, Connecticut 198 $ 34,037,000 $ 171,904 $ 84,000
Lafayette, Louisiana 195 $ 25,450,000 $ 130,512 $ 95,000
Henrico, Virginia 191 $ 33,746,000 $ 176,680 $ 100,000
Bucks, Pennsylvania 187 $ 38,484,000 $ 205,796 $ 96,000
Hamilton, Indiana 186 $ 45,284,000 $ 243,462 $ 134,000
Essex, New Jersey 186 $ 42,295,000 $ 227,392 $ 96,000
Union, New Jersey 186 $ 41,488,000 $ 223,053 $ 100,000
Sherburne, Minnesota 185 $ 33,503,000 $ 181,097 $ 66,000
Howard, Maryland 181 $ 36,490,000 $ 201,602 $ 74,000
Geauga, Ohio 181 $ 33,159,000 $ 183,198 $ 70,000
Escambia, Florida 179 $ 25,310,000 $ 141,396 $ 78,000
Pasco, Florida 179 $ 23,202,000 $ 129,620 $ 77,000
Hudson, New Jersey 179 $ 38,814,000 $ 216,837 $ 80,000
Kent, Michigan 178 $ 25,295,000 $ 142,106 $ 72,000
Larimer, Colorado 177 $ 35,261,000 $ 199,214 $ 72,000
Forsyth, North Carolina 176 $ 32,669,000 $ 185,619 $ 96,000
Shelby, Alabama 175 $ 27,188,000 $ 155,360 $ 65,000
Greenville, South Carolina 175 $ 22,928,000 $ 131,017 $ 54,000
Galveston, Texas 175 $ 25,188,000 $ 143,931 $ 102,000
Manatee, Florida 174 $ 30,915,000 $ 177,672 $ 91,000
Ingham, Michigan 173 $ 25,406,000 $ 146,855 $ 70,000
Lenawee, Michigan 170 $ 22,735,000 $ 133,735 $ 56,000
Mercer, New Jersey 170 $ 34,700,000 $ 204,117 $ 137,000
Frederick, Maryland 167 $ 29,902,000 $ 179,053 $ 70,000
Outagamie, Wisconsin 163 $ 20,498,000 $ 125,754 $ 54,000
Brunswick, North Carolina 160 $ 41,001,000 $ 256,256 $ 184,000
Baldwin, Alabama 159 $ 24,289,000 $ 152,761 $ 76,000
Steele, Minnesota 157 $ 19,616,000 $ 124,942 $ 47,000
Mesa, Colorado 156 $ 18,813,000 $ 120,596 $ 51,000
Chisago, Minnesota 152 $ 28,655,000 $ 188,519 $ 61,000
Monroe, Michigan 149 $ 23,345,000 $ 156,677 $ 65,000
Boone, Missouri 148 $ 16,113,000 $ 108,871 $ 65,000
Hillsborough, New Hampshire 148 $ 25,748,000 $ 173,972 $ 81,000
Loudoun, Virginia 148 $ 38,952,000 $ 263,189 $ 97,000
Camden, New Jersey 144 $ 22,677,000 $ 157,479 $ 77,000
Volusia, Florida 141 $ 19,422,000 $ 137,744 $ 89,000
Solano, California 137 $ 32,634,000 $ 238,204 $ 83,000
Santa Rosa, Florida 137 $ 19,302,000 $ 140,890 $ 61,000
Walton, Florida 137 $ 28,914,000 $ 211,051 $ 177,000
Franklin, Missouri 137 $ 16,616,000 $ 121,284 $ 52,000
Greene, Ohio 135 $ 23,577,000 $ 174,644 $ 81,000
New London, Connecticut 134 $ 24,975,000 $ 186,380 $ 88,000
Putnam, New York 133 $ 29,232,000 $ 219,789 $ 99,000
Queens, New York 133 $ 35,249,000 $ 265,030 $ 91,000
St. Louis, Minnesota 132 $ 15,521,000 $ 117,583 $ 44,000
Pennington, South Dakota 130 $ 16,433,000 $ 126,407 $ 78,000
Duval, Florida 129 $ 18,407,000 $ 142,689 $ 79,000
Philadelphia, Pennsylvania 127 $ 17,977,000 $ 141,551 $ 86,000
Pierce, Washington 127 $ 23,566,000 $ 185,559 $ 78,000
San Mateo, California 126 $ 44,050,000 $ 349,603 $ 145,000
Onslow, North Carolina 126 $ 16,661,000 $ 132,230 $ 69,000
Weld, Colorado 125 $ 22,311,000 $ 178,488 $ 59,000
Mower, Minnesota 125 $ 15,074,000 $ 120,592 $ 62,000
Clay, Missouri 125 $ 15,449,000 $ 123,592 $ 58,000
Gloucester, New Jersey 124 $ 20,239,000 $ 163,217 $ 92,000
Clark, Washington 124 $ 20,579,000 $ 165,959 $ 84,000
Brevard, Florida 122 $ 19,486,000 $ 159,721 $ 117,000
Brazoria, Texas 122 $ 17,961,000 $ 147,221 $ 89,000
Chesterfield, Virginia 122 $ 19,628,000 $ 160,885 $ 66,000
Madison, Illinois 121 $ 13,166,000 $ 108,809 $ 86,000
Carroll, Maryland 120 $ 23,482,000 $ 195,683 $ 88,000
Delaware, Pennsylvania 120 $ 21,167,000 $ 176,391 $ 99,000
Saratoga, New York 119 $ 16,917,000 $ 142,159 $ 142,000
Prince William, Virginia 118 $ 25,299,000 $ 214,398 $ 70,000
Kenosha, Wisconsin 118 $ 16,367,000 $ 138,703 $ 65,000
Racine, Wisconsin 118 $ 15,988,000 $ 135,491 $ 55,000
Pierce, Wisconsin 117 $ 19,698,000 $ 168,358 $ 50,000
Sauk, Wisconsin 117 $ 13,798,000 $ 117,931 $ 63,000
Jefferson, Louisiana 116 $ 16,872,000 $ 145,448 $ 61,000
Rice, Minnesota 116 $ 18,075,000 $ 155,818 $ 59,000
Linn, Iowa 115 $ 14,301,000 $ 124,356 $ 83,000
Elbert, Colorado 114 $ 26,594,000 $ 233,280 $ 104,000
Newport, Rhode Island 114 $ 24,211,000 $ 212,377 $ 79,000
New York, New York 113 $ 41,892,000 $ 370,725 $ 105,000
Washington, Pennsylvania 113 $ 13,841,000 $ 122,486 $ 63,000
Clayton, Georgia 112 $ 12,091,000 $ 107,955 $ 59,000
Kendall, Illinois 112 $ 19,306,000 $ 172,375 $ 71,000
Baltimore City, Maryland 112 $ 13,046,000 $ 116,482 $ 84,000
Douglas, Nebraska 112 $ 12,941,000 $ 115,544 $ 54,000
Miller, Missouri 111 $ 12,879,000 $ 116,027 $ 51,000
Bexar, Texas 111 $ 16,817,000 $ 151,504 $ 109,000
Guilford, North Carolina 109 $ 19,040,000 $ 174,678 $ 80,000
Ozaukee, Wisconsin 109 $ 21,665,000 $ 198,761 $ 95,000
Summit, Colorado 106 $ 23,791,000 $ 224,443 $ 150,000
Rockland, New York 105 $ 22,721,000 $ 216,390 $ 81,000
Crow Wing, Minnesota 103 $ 15,972,000 $ 155,067 $ 70,000
Washington, Oregon 103 $ 20,711,000 $ 201,077 $ 102,000
Midland, Michigan 102 $ 16,182,000 $ 158,647 $ 101,000
Passaic, New Jersey 102 $ 22,916,000 $ 224,666 $ 105,000
Stanislaus, California 101 $ 19,203,000 $ 190,128 $ 105,000
Tulsa, Oklahoma 101 $ 13,358,000 $ 132,257 $ 73,000
Campbell, Kentucky 100 $ 14,123,000 $ 141,230 $ 81,000
Multnomah, Oregon 99 $ 20,765,000 $ 209,747 $ 139,000
Pinal, Arizona 98 $ 12,622,000 $ 128,795 $ 61,000
Currituck, North Carolina 98 $ 29,561,000 $ 301,642 $ 147,000
Windham, Connecticut 97 $ 15,858,000 $ 163,484 $ 63,000
Williamson, Tennessee 97 $ 21,488,000 $ 221,525 $ 127,000
Coconino, Arizona 95 $ 17,711,000 $ 186,431 $ 134,000
Orange, New York 95 $ 16,909,000 $ 177,989 $ 95,000
Santa Barbara, California 94 $ 24,403,000 $ 259,606 $ 110,000
Cape May, New Jersey 94 $ 18,839,000 $ 200,414 $ 142,000
Lake, Florida 92 $ 14,071,000 $ 152,945 $ 71,000
Hunterdon, New Jersey 92 $ 22,745,000 $ 247,228 $ 105,000
Polk, Iowa 91 $ 12,498,000 $ 137,340 $ 57,000
Chatham, North Carolina 91 $ 16,739,000 $ 183,945 $ 82,000
Nevada, California 89 $ 19,060,000 $ 214,157 $ 97,000
Atlantic, New Jersey 89 $ 15,246,000 $ 171,303 $ 97,000
Henry, Georgia 88 $ 12,140,000 $ 137,954 $ 97,000
Isanti, Minnesota 88 $ 14,236,000 $ 161,772 $ 55,000
New Castle, Delaware 87 $ 15,363,000 $ 176,586 $ 74,000
Pender, North Carolina 85 $ 12,682,000 $ 149,200 $ 80,000
Hays, Texas 85 $ 15,799,000 $ 185,870 $ 90,000
Winnebago, Wisconsin 85 $ 10,090,000 $ 118,705 $ 46,000
Bulloch, Georgia 84 $ 7,765,000 $ 92,440 $ 53,000
Ada, Idaho 84 $ 11,930,000 $ 142,023 $ 78,000
Cameron, Texas 84 $ 8,829,000 $ 105,107 $ 70,000
St. Clair, Illinois 83 $ 9,369,000 $ 112,879 $ 64,000
Harford, Maryland 83 $ 13,750,000 $ 165,662 $ 65,000
Jefferson, Wisconsin 83 $ 11,070,000 $ 133,373 $ 50,000
Fresno, California 82 $ 13,794,000 $ 168,219 $ 72,000
Miami, Kansas 82 $ 10,850,000 $ 132,317 $ 54,000
Clear Creek, Colorado 81 $ 15,452,000 $ 190,765 $ 81,000
Jackson, Michigan 81 $ 11,574,000 $ 142,888 $ 54,000
Dodge, Wisconsin 81 $ 10,940,000 $ 135,061 $ 55,000
Kalamazoo, Michigan 79 $ 10,793,000 $ 136,620 $ 46,000
Clark, Wisconsin 79 $ 7,736,000 $ 97,924 $ 34,000
Kern, California 78 $ 10,309,000 $ 132,166 $ 79,000
Placer, California 78 $ 18,166,000 $ 232,897 $ 86,000
Wyandotte, Kansas 78 $ 7,091,000 $ 90,910 $ 56,000
Orleans, Louisiana 78 $ 11,380,000 $ 145,897 $ 79,000
Stearns, Minnesota 78 $ 10,484,000 $ 134,410 $ 51,000
Kitsap, Washington 77 $ 18,852,000 $ 244,831 $ 103,000
St. Clair, Michigan 76 $ 11,651,000 $ 153,302 $ 74,000
Park, Colorado 75 $ 13,392,000 $ 178,560 $ 50,000
Cass, Missouri 75 $ 10,179,000 $ 135,720 $ 50,000
Hardin, Texas 75 $ 9,082,000 $ 121,093 $ 63,000
Arlington, Virginia 75 $ 18,740,000 $ 249,866 $ 124,000
Polk, Wisconsin 75 $ 9,528,000 $ 127,040 $ 49,000
San Francisco, California 74 $ 25,162,000 $ 340,027 $ 130,000
Charles, Maryland 73 $ 13,493,000 $ 184,835 $ 76,000
Lincoln, Missouri 73 $ 8,601,000 $ 117,821 $ 47,000
Bay, Michigan 72 $ 7,452,000 $ 103,500 $ 55,000
Fairfield, Ohio 72 $ 11,556,000 $ 160,500 $ 63,000
San Luis Obispo, California 71 $ 18,201,000 $ 256,352 $ 96,000
Blaine, Idaho 71 $ 16,715,000 $ 235,422 $ 195,000
Latah, Idaho 71 $ 8,118,000 $ 114,338 $ 59,000
Beaufort, South Carolina 71 $ 19,366,000 $ 272,760 $ 156,000
Elmore, Alabama 69 $ 10,065,000 $ 145,869 $ 74,000
Osceola, Florida 69 $ 10,293,000 $ 149,173 $ 62,000
Jefferson, Kentucky 69 $ 8,371,000 $ 121,318 $ 61,000
Columbia, Wisconsin 69 $ 8,724,000 $ 126,434 $ 58,000
Butler, Pennsylvania 68 $ 9,798,000 $ 144,088 $ 78,000
Polk, Florida 67 $ 7,808,000 $ 116,537 $ 61,000
Albany, New York 67 $ 7,862,000 $ 117,343 $ 69,000
Iredell, North Carolina 67 $ 11,822,000 $ 176,447 $ 90,000
Washington, Rhode Island 67 $ 14,675,000 $ 219,029 $ 134,000
Hampshire, Massachusetts 66 $ 10,751,000 $ 162,893 $ 70,000
McLeod, Minnesota 66 $ 9,003,000 $ 136,409 $ 38,000
Alamance, North Carolina 66 $ 8,395,000 $ 127,196 $ 44,000
Ottawa, Ohio 66 $ 7,785,000 $ 117,954 $ 69,000
York, Pennsylvania 66 $ 8,922,000 $ 135,181 $ 60,000
Davidson, Tennessee 64 $ 10,121,000 $ 158,140 $ 71,000
Saginaw, Michigan 63 $ 8,095,000 $ 128,492 $ 81,000
Northampton, Pennsylvania 63 $ 9,124,000 $ 144,825 $ 69,000
Alexandria, Virginia 63 $ 13,068,000 $ 207,428 $ 83,000
Sonoma, California 62 $ 14,980,000 $ 241,612 $ 117,000
Bibb, Georgia 62 $ 7,372,000 $ 118,903 $ 65,000
Lapeer, Michigan 62 $ 11,124,000 $ 179,419 $ 91,000
Newton, Georgia 61 $ 8,624,000 $ 141,377 $ 58,000
Westmoreland, Pennsylvania 61 $ 8,054,000 $ 132,032 $ 65,000
Wood, Wisconsin 61 $ 5,586,000 $ 91,573 $ 51,000
Hendricks, Indiana 60 $ 9,563,000 $ 159,383 $ 71,000
Madison, Alabama 59 $ 7,942,000 $ 134,610 $ 83,000
Eagle, Colorado 59 $ 14,873,000 $ 252,084 $ 175,000
Douglas, Georgia 59 $ 7,793,000 $ 132,084 $ 57,000
Paulding, Georgia 59 $ 7,819,000 $ 132,525 $ 44,000
Kent, Rhode Island 59 $ 9,570,000 $ 162,203 $ 59,000
Marin, California 58 $ 18,744,000 $ 323,172 $ 163,000
Androscoggin, Maine 58 $ 6,706,000 $ 115,620 $ 61,000
El Dorado, California 57 $ 13,930,000 $ 244,385 $ 98,000
Sussex, Delaware 57 $ 11,183,000 $ 196,192 $ 182,000
Hall, Georgia 57 $ 10,058,000 $ 176,456 $ 68,000
Otter Tail, Minnesota 57 $ 8,383,000 $ 147,070 $ 58,000
Gila, Arizona 56 $ 8,204,000 $ 146,500 $ 91,000
St. Johns, Florida 56 $ 11,609,000 $ 207,303 $ 144,000
Bartow, Georgia 56 $ 7,730,000 $ 138,035 $ 59,000
Strafford, New Hampshire 56 $ 9,120,000 $ 162,857 $ 63,000
Bronx, New York 56 $ 14,824,000 $ 264,714 $ 65,000
Clackamas, Oregon 56 $ 12,950,000 $ 231,250 $ 101,000
Morgan, Missouri 55 $ 6,733,000 $ 122,418 $ 65,000
Bernalillo, New Mexico 55 $ 8,332,000 $ 151,490 $ 56,000
Beaver, Pennsylvania 55 $ 4,975,000 $ 90,454 $ 39,000
Thurston, Washington 55 $ 8,361,000 $ 152,018 $ 79,000
Fayette, Georgia 54 $ 10,424,000 $ 193,037 $ 90,000
Johnston, North Carolina 54 $ 7,671,000 $ 142,055 $ 59,000
Platte, Missouri 53 $ 9,290,000 $ 175,283 $ 89,000
Richmond City, Virginia 53 $ 8,169,000 $ 154,132 $ 135,000
Walworth, Wisconsin 53 $ 8,926,000 $ 168,415 $ 97,000
Coweta, Georgia 52 $ 7,954,000 $ 152,961 $ 65,000
Calvert, Maryland 51 $ 9,966,000 $ 195,411 $ 83,000
Minnehaha, South Dakota 51 $ 5,706,000 $ 111,882 $ 40,000
Nueces, Texas 51 $ 5,788,000 $ 113,490 $ 88,000
Hanover, Virginia 50 $ 9,721,000 $ 194,420 $ 78,000
Rensselaer, New York 49 $ 5,080,000 $ 103,673 $ 37,000
Montcalm, Michigan 48 $ 4,427,000 $ 92,229 $ 52,000
Schenectady, New York 48 $ 5,147,000 $ 107,229 $ 56,000
Spokane, Washington 48 $ 6,018,000 $ 125,375 $ 64,000
Walton, Georgia 47 $ 6,347,000 $ 135,042 $ 41,000
Flathead, Montana 47 $ 6,461,000 $ 137,468 $ 67,000
Canadian, Oklahoma 47 $ 5,794,000 $ 123,276 $ 72,000
Eau Claire, Wisconsin 47 $ 4,875,000 $ 103,723 $ 46,000
Scott, Iowa 46 $ 5,402,000 $ 117,434 $ 64,000
Worcester, Maryland 46 $ 7,741,000 $ 168,282 $ 87,000
Goodhue, Minnesota 46 $ 7,906,000 $ 171,869 $ 48,000
Cleveland, Oklahoma 46 $ 5,918,000 $ 128,652 $ 89,000
Bay, Florida 45 $ 7,528,000 $ 167,288 $ 94,000
Clarke, Georgia 45 $ 6,251,000 $ 138,911 $ 62,000
Lake, Indiana 45 $ 6,564,000 $ 145,866 $ 68,000
Licking, Ohio 45 $ 6,765,000 $ 150,333 $ 67,000
Berkeley, South Carolina 45 $ 6,041,000 $ 134,244 $ 56,000
Yakima, Washington 45 $ 5,235,000 $ 116,333 $ 66,000
Gilpin, Colorado 44 $ 8,629,000 $ 196,113 $ 46,000
Winnebago, Illinois 44 $ 4,266,000 $ 96,954 $ 58,000
Carroll, New Hampshire 44 $ 7,006,000 $ 159,227 $ 109,000
Granville, North Carolina 44 $ 6,538,000 $ 148,590 $ 59,000
Mahoning, Ohio 44 $ 4,791,000 $ 108,886 $ 65,000
Virginia Beach, Virginia 44 $ 8,338,000 $ 189,500 $ 135,000
Clay, Florida 43 $ 5,721,000 $ 133,046 $ 54,000
Leavenworth, Kansas 43 $ 5,207,000 $ 121,093 $ 68,000
Carlton, Minnesota 43 $ 5,292,000 $ 123,069 $ 69,000
Warren, Missouri 43 $ 5,753,000 $ 133,790 $ 85,000
Charlotte, Florida 42 $ 6,920,000 $ 164,761 $ 106,000
Leon, Florida 42 $ 5,625,000 $ 133,928 $ 79,000
Ottawa, Michigan 42 $ 7,116,000 $ 169,428 $ 90,000
Miami, Ohio 42 $ 6,803,000 $ 161,976 $ 75,000
Johnson, Indiana 41 $ 7,301,000 $ 178,073 $ 54,000
Greene, Missouri 41 $ 4,538,000 $ 110,682 $ 36,000
Benton, Washington 41 $ 5,505,000 $ 134,268 $ 80,000
Monterey, California 39 $ 10,398,000 $ 266,615 $ 100,000
Santa Cruz, California 39 $ 12,293,000 $ 315,205 $ 177,000
Clinton, Michigan 39 $ 5,983,000 $ 153,410 $ 77,000
Franklin, North Carolina 39 $ 4,598,000 $ 117,897 $ 47,000
Gaston, North Carolina 39 $ 4,371,000 $ 112,076 $ 528,000
Erie, Ohio 39 $ 6,913,000 $ 177,256 $ 59,000
Wayne, Ohio 39 $ 5,261,000 $ 134,897 $ 56,000
Merced, California 38 $ 5,791,000 $ 152,394 $ 63,000
Napa, California 38 $ 9,810,000 $ 258,157 $ 111,000
Rio Blanco, Colorado 38 $ 3,026,000 $ 79,631 $ 62,000
Indian River, Florida 38 $ 5,772,000 $ 151,894 $ 83,000
Buchanan, Missouri 38 $ 3,633,000 $ 95,605 $ 45,000
Ashtabula, Ohio 38 $ 4,043,000 $ 106,394 $ 68,000
Dauphin, Pennsylvania 38 $ 4,526,000 $ 119,105 $ 55,000
Taylor, Wisconsin 38 $ 3,573,000 $ 94,026 $ 56,000
DeKalb, Illinois 37 $ 5,822,000 $ 157,351 $ 58,000
Franklin, Kansas 37 $ 4,313,000 $ 116,567 $ 47,000
Le Sueur, Minnesota 37 $ 4,663,000 $ 126,027 $ 39,000
Chittenden, Vermont 37 $ 7,197,000 $ 194,513 $ 81,000
Navajo, Arizona 36 $ 4,883,000 $ 135,638 $ 93,000
Alachua, Florida 36 $ 5,590,000 $ 155,277 $ 69,000
Dodge, Minnesota 36 $ 5,041,000 $ 140,027 $ 43,000
Kandiyohi, Minnesota 36 $ 3,954,000 $ 109,833 $ 48,000
Sarpy, Nebraska 36 $ 5,198,000 $ 144,388 $ 74,000
Buncombe, North Carolina 36 $ 5,590,000 $ 155,277 $ 69,000
Lincoln, North Carolina 36 $ 7,507,000 $ 208,527 $ 77,000
Union, North Carolina 36 $ 7,011,000 $ 194,750 $ 90,000
Dorchester, South Carolina 36 $ 4,075,000 $ 113,194 $ 43,000
Grand, Colorado 35 $ 6,665,000 $ 190,428 $ 315,000
Queen Anne's, Maryland 35 $ 6,964,000 $ 198,971 $ 66,000
Spartanburg, South Carolina 35 $ 3,862,000 $ 110,342 $ 44,000
Dearborn, Indiana 34 $ 5,260,000 $ 154,705 $ 61,000
St. Mary's, Maryland 34 $ 6,345,000 $ 186,617 $ 94,000
Cabarrus, North Carolina 34 $ 4,910,000 $ 144,411 $ 97,000
Bastrop, Texas 34 $ 5,438,000 $ 159,941 $ 82,000
Shasta, California 33 $ 5,095,000 $ 154,393 $ 65,000
Rockdale, Georgia 33 $ 4,966,000 $ 150,484 $ 68,000
Eaton, Michigan 33 $ 4,521,000 $ 137,000 $ 63,000
Wabasha, Minnesota 33 $ 5,358,000 $ 162,363 $ 70,000
Monroe, Pennsylvania 33 $ 4,621,000 $ 140,030 $ 65,000
Calumet, Wisconsin 33 $ 4,549,000 $ 137,848 $ 63,000
Autauga, Alabama 32 $ 4,008,000 $ 125,250 $ 43,000
Butte, California 32 $ 4,865,000 $ 152,031 $ 64,000
Marion, Florida 32 $ 4,071,000 $ 127,218 $ 68,000
Sagadahoc, Maine 32 $ 4,406,000 $ 137,687 $ 64,000
Hillsdale, Michigan 32 $ 4,463,000 $ 139,468 $ 105,000
Mille Lacs, Minnesota 32 $ 4,960,000 $ 155,000 $ 53,000
Utah, Utah 32 $ 5,340,000 $ 166,875 $ 77,000
Fond du Lac, Wisconsin 32 $ 3,760,000 $ 117,500 $ 41,000
Tulare, California 31 $ 4,814,000 $ 155,290 $ 86,000
York, South Carolina 31 $ 5,342,000 $ 172,322 $ 64,000
Shelby, Tennessee 31 $ 4,850,000 $ 156,451 $ 99,000
Fauquier, Virginia 31 $ 6,609,000 $ 213,193 $ 71,000
Stafford, Virginia 31 $ 6,592,000 $ 212,645 $ 128,000
York, Virginia 31 $ 5,916,000 $ 190,838 $ 104,000
McLean, Illinois 30 $ 4,546,000 $ 151,533 $ 89,000
Kanabec, Minnesota 30 $ 3,898,000 $ 129,933 $ 40,000
Morrison, Minnesota 30 $ 3,616,000 $ 120,533 $ 58,000
Crawford, Missouri 30 $ 2,971,000 $ 99,033 $ 56,000
Union, Ohio 30 $ 3,949,000 $ 131,633 $ 61,000
Cumberland, Pennsylvania 30 $ 5,446,000 $ 181,533 $ 127,000
Barron, Wisconsin 30 $ 3,118,000 $ 103,933 $ 57,000
Oneida, Wisconsin 30 $ 4,036,000 $ 134,533 $ 93,000
Jo Daviess, Illinois 29 $ 3,330,000 $ 114,827 $ 82,000
Sedgwick, Kansas 29 $ 3,412,000 $ 117,655 $ 55,000
Washington, Maryland 29 $ 4,194,000 $ 144,620 $ 57,000
Fulton, Ohio 29 $ 3,829,000 $ 132,034 $ 56,000
Meade, South Dakota 29 $ 3,291,000 $ 113,482 $ 45,000
St. Clair, Alabama 28 $ 3,241,000 $ 115,750 $ 38,000
La Plata, Colorado 28 $ 5,614,000 $ 200,500 $ 63,000
Barrow, Georgia 28 $ 3,048,000 $ 108,857 $ 41,000
Franklin, Massachusetts 28 $ 3,807,000 $ 135,964 $ 55,000
Douglas, Minnesota 28 $ 3,753,000 $ 134,035 $ 50,000
Trumbull, Ohio 28 $ 2,839,000 $ 101,392 $ 49,000
Payne, Oklahoma 28 $ 3,072,000 $ 109,714 $ 63,000
Bristol, Rhode Island 28 $ 5,729,000 $ 204,607 $ 63,000
Pickens, South Carolina 28 $ 3,162,000 $ 112,928 $ 55,000
Spotsylvania, Virginia 28 $ 4,333,000 $ 154,750 $ 92,000
Morgan, Alabama 27 $ 2,536,000 $ 93,925 $ 46,000
Mohave, Arizona 27 $ 4,365,000 $ 161,666 $ 175,000
Allen, Indiana 27 $ 3,177,000 $ 117,666 $ 56,000
Oxford, Maine 27 $ 3,629,000 $ 134,407 $ 72,000
Cecil, Maryland 27 $ 4,200,000 $ 155,555 $ 54,000
Murray, Minnesota 27 $ 2,512,000 $ 93,037 $ 36,000
Sibley, Minnesota 27 $ 3,790,000 $ 140,370 $ 56,000
Cole, Missouri 27 $ 3,720,000 $ 137,777 $ 67,000
Pickaway, Ohio 27 $ 2,785,000 $ 103,148 $ 82,000
Bell, Texas 27 $ 3,861,000 $ 143,000 $ 82,000
James City, Virginia 27 $ 5,796,000 $ 214,666 $ 100,000
Douglas, Wisconsin 27 $ 2,548,000 $ 94,370 $ 51,000
Rock, Wisconsin 27 $ 3,801,000 $ 140,777 $ 77,000
Routt, Colorado 26 $ 4,877,000 $ 187,576 $ 184,000
Dallas, Iowa 26 $ 4,256,000 $ 163,692 $ 65,000
Emmet, Michigan 26 $ 5,917,000 $ 227,576 $ 338,000
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Mortgage Loan Application Detail Totals for Amtrust Bank in 2003

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 (home purchase or home improvement, one-to-four family) 115,220 $21,431,022,000 $172,500 $5,300,000 $83,040 $9,069,000
Home Purchase (one-to-four family) 51,068 $9,342,999,000 $170,960 $1,695,000 $78,960 $4,199,000
Multifamily dwelling (home purchase, home improvement, and refinancings) 0 $0 $0 $0 $0 $0
Home Improvement (one-to-four family) 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 122,879 $22,651,844,000 $169,640 $5,300,000 $86,780 $5,856,000
Information not provided by applicant in mail or telephone application 24,006 $4,720,184,000 $165,714 $1,250,000 $71,306 $2,400,000
Hispanic 6,977 $1,173,470,000 $168,468 $905,000 $73,595 $1,073,000
Asian or Pacific Islander 5,465 $1,163,137,000 $181,340 $1,000,000 $84,227 $967,000
Black 4,747 $715,415,000 $148,487 $1,600,000 $75,268 $9,069,000
Other 1,285 $249,337,000 $195,394 $950,000 $90,342 $3,000,000
Not applicable 604 $40,877,000 $74,333 $208,000 $51,333 $501,000
American Indian or Alaskan Native 325 $59,757,000 $176,638 $627,000 $85,444 $2,014,000

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) 165,794 $30,729,469,000 $173,941 $5,300,000 $81,235 $9,069,000
FHA-insured (Federal Housing Administration) 448 $40,403,000 $90,000 $164,000 $40,666 $280,000
VA-guaranteed (Veterans Administration) 46 $4,149,000 $103,666 $190,000 $218,666 $1,040,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 119,132 $22,013,742,000 $167,020 $1,300,000 $87,040 $5,027,000
Loan Purchased By The Institution 20,110 $3,480,396,000 $161,480 $975,000 $76,900 $3,896,000
Application Approved But Not Accepted 12,258 $2,417,650,000 $176,693 $2,541,000 $83,591 $8,334,000
Application Withdrawn By Applicant 9,432 $1,783,959,000 $176,540 $5,300,000 $58,680 $5,856,000
Application Denied By Financial Institution 4,369 $877,661,000 $179,979 $2,000,000 $88,583 $9,069,000
File Closed For Incompleteness 987 $200,613,000 $184,666 $994,000 $82,333 $3,456,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit Application Incomplete 1,238 $263,732,000 $176,931 $2,000,000 $79,500 $1,120,000
Other 855 $164,800,000 $164,825 $953,000 $61,300 $920,000
Debt-To-Income Ratio 794 $163,344,000 $205,800 $1,500,000 $111,650 $9,069,000
Collateral 590 $117,261,000 $197,536 $1,800,000 $85,634 $3,424,000
Credit History 584 $107,921,000 $170,052 $1,600,000 $66,105 $1,500,000
Employment History 103 $20,614,000 $192,320 $650,000 $75,840 $414,000
Insufficient Cash (Downpayment, Closing Cost) 91 $17,338,000 $202,958 $1,000,000 $79,458 $521,000
Unverifiable Information 82 $17,044,000 $183,842 $670,000 $96,947 $589,000
Mortgage Insurance Denied 32 $5,607,000 $186,818 $577,000 $68,454 $266,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Amtrust Bank's 2003 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 Amtrust Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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