Berkeley Point Capital Llc 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Berkeley Point Capital Llc 1 Beacon Street, 14Th Floor Wilmington, DE 02171 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 387 |
| Total Mortgage Loan Application Amount | $8,881,620,000 |
| Average Mortgage Loan Application Amount | $24,261,500 |
| Highest Mortgage Loan Application Amount | $97,685,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Berkeley Point Capital Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Berkeley Point Capital Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Berkeley Point Capital Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Berkeley Point Capital Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Berkeley Point Capital Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Berkeley Point Capital Llc's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 26 | $ 206,470,000 | $ 7,941,000 | $ 0 |
| Harris County Texas | 16 | $ 161,080,000 | $ 10,067,000 | $ 0 |
| Alameda County California | 9 | $ 232,955,000 | $ 25,883,000 | $ 0 |
| Cook County Illinois | 9 | $ 33,055,000 | $ 3,672,000 | $ 0 |
| Pinellas County Florida | 8 | $ 244,140,000 | $ 30,517,000 | $ 0 |
| Orange County California | 7 | $ 148,475,000 | $ 21,210,000 | $ 0 |
| San Diego County California | 7 | $ 191,385,000 | $ 27,340,000 | $ 0 |
| Arapahoe County Colorado | 7 | $ 198,410,000 | $ 33,068,000 | $ 0 |
| Orange County Florida | 7 | $ 169,055,000 | $ 24,150,000 | $ 0 |
| Clark County Nevada | 7 | $ 245,205,000 | $ 35,029,000 | $ 0 |
| Broward County Florida | 6 | $ 131,230,000 | $ 21,871,000 | $ 0 |
| Durham County North Carolina | 6 | $ 235,680,000 | $ 39,280,000 | $ 0 |
| Guilford County North Carolina | 6 | $ 98,280,000 | $ 16,380,000 | $ 0 |
| Maricopa County Arizona | 5 | $ 172,225,000 | $ 34,445,000 | $ 0 |
| District of Columbia County District Of Columbia | 5 | $ 128,765,000 | $ 25,753,000 | $ 0 |
| Marion County Indiana | 5 | $ 86,095,000 | $ 17,219,000 | $ 0 |
| Mecklenburg County North Carolina | 5 | $ 163,585,000 | $ 32,717,000 | $ 0 |
| Rutherford County Tennessee | 5 | $ 152,775,000 | $ 30,555,000 | $ 0 |
| Sacramento County California | 4 | $ 107,230,000 | $ 26,807,000 | $ 0 |
| Fulton County Georgia | 4 | $ 113,390,000 | $ 28,347,000 | $ 0 |
| Gwinnett County Georgia | 4 | $ 83,295,000 | $ 27,765,000 | $ 0 |
| Hendricks County Indiana | 4 | $ 102,010,000 | $ 25,502,000 | $ 0 |
| Montgomery County Maryland | 4 | $ 105,640,000 | $ 26,410,000 | $ 0 |
| Orange County North Carolina | 4 | $ 71,490,000 | $ 17,872,000 | $ 0 |
| Delaware County Ohio | 4 | $ 126,140,000 | $ 31,535,000 | $ 0 |
| Oklahoma County Oklahoma | 4 | $ 97,720,000 | $ 24,430,000 | $ 0 |
| Philadelphia County Pennsylvania | 4 | $ 124,720,000 | $ 31,180,000 | $ 0 |
| Henrico County Virginia | 4 | $ 166,660,000 | $ 41,665,000 | $ 0 |
| Riverside County California | 3 | $ 93,755,000 | $ 93,755,000 | $ 0 |
| San Joaquin County California | 3 | $ 98,960,000 | $ 49,480,000 | $ 0 |
| Duval County Florida | 3 | $ 92,845,000 | $ 30,948,000 | $ 0 |
| Chatham County Georgia | 3 | $ 21,885,000 | $ 7,295,000 | $ 0 |
| DeKalb County Georgia | 3 | $ 74,635,000 | $ 24,878,000 | $ 0 |
| Jefferson County Kentucky | 3 | $ 55,555,000 | $ 18,518,000 | $ 0 |
| Baltimore City County Maryland | 3 | $ 35,365,000 | $ 11,788,000 | $ 0 |
| Berrien County Michigan | 3 | $ 16,375,000 | $ 5,458,000 | $ 0 |
| Hinds County Mississippi | 3 | $ 12,395,000 | $ 4,131,000 | $ 0 |
| Kings County New York | 3 | $ 41,505,000 | $ 13,835,000 | $ 0 |
| Franklin County Ohio | 3 | $ 91,095,000 | $ 30,365,000 | $ 0 |
| Tulsa County Oklahoma | 3 | $ 46,695,000 | $ 15,565,000 | $ 0 |
| Allegheny County Pennsylvania | 3 | $ 168,335,000 | $ 56,111,000 | $ 0 |
| Davidson County Tennessee | 3 | $ 141,155,000 | $ 47,051,000 | $ 0 |
| Dallas County Texas | 3 | $ 85,005,000 | $ 28,335,000 | $ 0 |
| Montgomery County Texas | 3 | $ 70,555,000 | $ 23,518,000 | $ 0 |
| King County Washington | 3 | $ 68,405,000 | $ 22,801,000 | $ 0 |
| Pulaski County Arkansas | 2 | $ 25,570,000 | $ 12,785,000 | $ 0 |
| Yolo County California | 2 | $ 48,510,000 | $ 24,255,000 | $ 0 |
| Denver County Colorado | 2 | $ 156,690,000 | $ 78,345,000 | $ 0 |
| Douglas County Colorado | 2 | $ 39,995,000 | $ 39,995,000 | $ 0 |
| El Paso County Colorado | 2 | $ 69,710,000 | $ 34,855,000 | $ 0 |
| Miami-Dade County Florida | 2 | $ 17,990,000 | $ 8,995,000 | $ 0 |
| Palm Beach County Florida | 2 | $ 141,810,000 | $ 70,905,000 | $ 0 |
| Volusia County Florida | 2 | $ 4,000,000 | $ 2,000,000 | $ 0 |
| Cobb County Georgia | 2 | $ 90,320,000 | $ 45,160,000 | $ 0 |
| Ada County Idaho | 2 | $ 12,300,000 | $ 6,150,000 | $ 0 |
| Sedgwick County Kansas | 2 | $ 44,910,000 | $ 22,455,000 | $ 0 |
| Lafayette County Louisiana | 2 | $ 18,990,000 | $ 9,495,000 | $ 0 |
| Carroll County Maryland | 2 | $ 61,990,000 | $ 30,995,000 | $ 0 |
| Norfolk County Massachusetts | 2 | $ 90,940,000 | $ 45,470,000 | $ 0 |
| Worcester County Massachusetts | 2 | $ 25,340,000 | $ 12,670,000 | $ 0 |
| Dakota County Minnesota | 2 | $ 25,390,000 | $ 12,695,000 | $ 0 |
| Ocean County New Jersey | 2 | $ 17,780,000 | $ 8,890,000 | $ 0 |
| Westchester County New York | 2 | $ 42,150,000 | $ 21,075,000 | $ 0 |
| Wake County North Carolina | 2 | $ 44,510,000 | $ 22,255,000 | $ 0 |
| Butler County Ohio | 2 | $ 58,270,000 | $ 29,135,000 | $ 0 |
| Lucas County Ohio | 2 | $ 6,750,000 | $ 3,375,000 | $ 0 |
| Chester County Pennsylvania | 2 | $ 56,920,000 | $ 28,460,000 | $ 0 |
| Bexar County Texas | 2 | $ 58,280,000 | $ 29,140,000 | $ 0 |
| Collin County Texas | 2 | $ 64,870,000 | $ 32,435,000 | $ 0 |
| Fort Bend County Texas | 2 | $ 27,570,000 | $ 13,785,000 | $ 0 |
| Tarrant County Texas | 2 | $ 66,410,000 | $ 33,205,000 | $ 0 |
| Salt Lake County Utah | 2 | $ 124,310,000 | $ 62,155,000 | $ 0 |
| Chesapeake County Virginia | 2 | $ 43,090,000 | $ 21,545,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 84,700,000 | $ 42,350,000 | $ 0 |
| Norfolk County Virginia | 2 | $ 19,800,000 | $ 9,900,000 | $ 0 |
| Baldwin County Alabama | 1 | $ 42,465,000 | $ 42,465,000 | $ 0 |
| Jefferson County Alabama | 1 | $ 28,895,000 | $ 28,895,000 | $ 0 |
| Madison County Alabama | 1 | $ 30,525,000 | $ 30,525,000 | $ 0 |
| Mobile County Alabama | 1 | $ 6,105,000 | $ 6,105,000 | $ 0 |
| Garland County Arkansas | 1 | $ 13,075,000 | $ 13,075,000 | $ 0 |
| Saline County Arkansas | 1 | $ 13,185,000 | $ 13,185,000 | $ 0 |
| El Dorado County California | 1 | $ 9,265,000 | $ 9,265,000 | $ 0 |
| Monterey County California | 1 | $ 25,005,000 | $ 25,005,000 | $ 0 |
| Nevada County California | 1 | $ 10,005,000 | $ 10,005,000 | $ 0 |
| San Bernardino County California | 1 | $ 36,735,000 | $ 36,735,000 | $ 0 |
| San Mateo County California | 1 | $ 62,705,000 | $ 62,705,000 | $ 0 |
| Santa Clara County California | 1 | $ 97,005,000 | $ 97,005,000 | $ 0 |
| Solano County California | 1 | $ 15,755,000 | $ 15,755,000 | $ 0 |
| Adams County Colorado | 1 | $ 79,875,000 | $ 79,875,000 | $ 0 |
| Garfield County Colorado | 1 | $ 7,625,000 | $ 7,625,000 | $ 0 |
| Jefferson County Colorado | 1 | $ 8,805,000 | $ 8,805,000 | $ 0 |
| Larimer County Colorado | 1 | $ 40,465,000 | $ 40,465,000 | $ 0 |
| Summit County Colorado | 1 | $ 5,215,000 | $ 5,215,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 29,125,000 | $ 29,125,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 39,005,000 | $ 39,005,000 | $ 0 |
| Brevard County Florida | 1 | $ 31,005,000 | $ 31,005,000 | $ 0 |
| Marion County Florida | 1 | $ 2,055,000 | $ 2,055,000 | $ 0 |
| Pasco County Florida | 1 | $ 33,155,000 | $ 33,155,000 | $ 0 |
| Polk County Florida | 1 | $ 13,505,000 | $ 13,505,000 | $ 0 |
| Sarasota County Florida | 1 | $ 32,815,000 | $ 32,815,000 | $ 0 |
| Clarke County Georgia | 1 | $ 23,795,000 | $ 23,795,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 45,545,000 | $ 45,545,000 | $ 0 |
| Henry County Georgia | 1 | $ 9,225,000 | $ 9,225,000 | $ 0 |
| DuPage County Illinois | 1 | $ 32,705,000 | $ 32,705,000 | $ 0 |
| Johnson County Kansas | 1 | $ 29,405,000 | $ 29,405,000 | $ 0 |
| East Baton Rouge County Louisiana | 1 | $ 34,005,000 | $ 34,005,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 4,955,000 | $ 4,955,000 | $ 0 |
| Prince George's County Maryland | 1 | $ 51,105,000 | $ 51,105,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 37,765,000 | $ 37,765,000 | $ 0 |
| Suffolk County Massachusetts | 1 | $ 0 | $ 0 | $ 0 |
| Oakland County Michigan | 1 | $ 3,655,000 | $ 3,655,000 | $ 0 |
| St. Clair County Michigan | 1 | $ 5,625,000 | $ 5,625,000 | $ 0 |
| Wayne County Michigan | 1 | $ 4,945,000 | $ 4,945,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 14,965,000 | $ 14,965,000 | $ 0 |
| Ramsey County Minnesota | 1 | $ 56,005,000 | $ 56,005,000 | $ 0 |
| Adams County Mississippi | 1 | $ 3,655,000 | $ 3,655,000 | $ 0 |
| DeSoto County Mississippi | 1 | $ 6,105,000 | $ 6,105,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 8,005,000 | $ 8,005,000 | $ 0 |
| Greene County Missouri | 1 | $ 4,225,000 | $ 4,225,000 | $ 0 |
| Jackson County Missouri | 1 | $ 43,505,000 | $ 43,505,000 | $ 0 |
| Platte County Missouri | 1 | $ 33,345,000 | $ 33,345,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 45,005,000 | $ 45,005,000 | $ 0 |
| St. Louis City County Missouri | 1 | $ 4,965,000 | $ 4,965,000 | $ 0 |
| Cheyenne County Nebraska | 1 | $ 2,315,000 | $ 2,315,000 | $ 0 |
| Washoe County Nevada | 1 | $ 67,905,000 | $ 67,905,000 | $ 0 |
| Hillsborough County New Hampshire | 1 | $ 12,005,000 | $ 12,005,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 10,505,000 | $ 10,505,000 | $ 0 |
| Essex County New Jersey | 1 | $ 10,905,000 | $ 10,905,000 | $ 0 |
| Morris County New Jersey | 1 | $ 10,365,000 | $ 10,365,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 4,145,000 | $ 4,145,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 28,005,000 | $ 28,005,000 | $ 0 |
| Dutchess County New York | 1 | $ 1,565,000 | $ 1,565,000 | $ 0 |
| Monroe County New York | 1 | $ 35,025,000 | $ 35,025,000 | $ 0 |
| Orange County New York | 1 | $ 17,035,000 | $ 17,035,000 | $ 0 |
| Saratoga County New York | 1 | $ 11,715,000 | $ 11,715,000 | $ 0 |
| Suffolk County New York | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| Alamance County North Carolina | 1 | $ 4,485,000 | $ 4,485,000 | $ 0 |
| Montgomery County Ohio | 1 | $ 7,325,000 | $ 7,325,000 | $ 0 |
| Payne County Oklahoma | 1 | $ 17,775,000 | $ 17,775,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 3,475,000 | $ 3,475,000 | $ 0 |
| Washington County Oregon | 1 | $ 16,685,000 | $ 16,685,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 37,915,000 | $ 37,915,000 | $ 0 |
| Montgomery County Pennsylvania | 1 | $ 39,515,000 | $ 39,515,000 | $ 0 |
| Providence County Rhode Island | 1 | $ 1,625,000 | $ 1,625,000 | $ 0 |
| Florence County South Carolina | 1 | $ 14,555,000 | $ 14,555,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 31,475,000 | $ 31,475,000 | $ 0 |
| York County South Carolina | 1 | $ 7,355,000 | $ 7,355,000 | $ 0 |
| Brazos County Texas | 1 | $ 4,975,000 | $ 4,975,000 | $ 0 |
| Galveston County Texas | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Hays County Texas | 1 | $ 22,215,000 | $ 22,215,000 | $ 0 |
| Jefferson County Texas | 1 | $ 33,005,000 | $ 33,005,000 | $ 0 |
| Kleberg County Texas | 1 | $ 6,055,000 | $ 6,055,000 | $ 0 |
| Lubbock County Texas | 1 | $ 10,515,000 | $ 10,515,000 | $ 0 |
| Nueces County Texas | 1 | $ 6,185,000 | $ 6,185,000 | $ 0 |
| Taylor County Texas | 1 | $ 20,805,000 | $ 20,805,000 | $ 0 |
| Travis County Texas | 1 | $ 51,505,000 | $ 51,505,000 | $ 0 |
| Washington County Utah | 1 | $ 5,595,000 | $ 5,595,000 | $ 0 |
| Arlington County Virginia | 1 | $ 65,005,000 | $ 65,005,000 | $ 0 |
| Greene County Virginia | 1 | $ 35,975,000 | $ 35,975,000 | $ 0 |
| Hampton County Virginia | 1 | $ 12,205,000 | $ 12,205,000 | $ 0 |
| Henry County Virginia | 1 | $ 1,385,000 | $ 1,385,000 | $ 0 |
| Portsmouth County Virginia | 1 | $ 10,045,000 | $ 10,045,000 | $ 0 |
| Prince William County Virginia | 1 | $ 20,805,000 | $ 20,805,000 | $ 0 |
| Richmond City County Virginia | 1 | $ 23,945,000 | $ 23,945,000 | $ 0 |
| Pierce County Washington | 1 | $ 32,185,000 | $ 32,185,000 | $ 0 |
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 219 | $3,763,075,000 | $17,502,000 | $97,685,000 | $0 | $0 |
| Home Purchase | 168 | $5,118,545,000 | $31,021,000 | $97,005,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 387 | $8,881,620,000 | $23,372,000 | $97,685,000 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 387 | $8,881,620,000 | $23,372,000 | $97,685,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 272 | $5,827,210,000 | $21,743,000 | $97,005,000 | $0 | $0 |
| Application Withdrawn By Applicant | 111 | $3,026,430,000 | $28,022,000 | $97,685,000 | $0 | $0 |
| Application Denied By Financial Institution | 4 | $27,980,000 | $6,995,000 | $8,445,000 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 383 | $8,853,640,000 | $23,546,000 | $97,685,000 | $0 | $0 |
| Collateral | 4 | $27,980,000 | $6,995,000 | $8,445,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Berkeley Point Capital Llc's 2020 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 Berkeley Point Capital Llc'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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