Charles Schwab Bank, SSB Mortgage Lending & HMDA Data, 2021

In 2021, Charles Schwab Bank, SSB of Lone Tree, CO reported 20,871 mortgage applications totaling $15.3 billion, up 32% from 2020. The average application was for $735,184, and applicants reported an average income of $347,861. 60% of its applications resulted in an originated loan and 3% were denied. Its largest markets were San Francisco-Redwood City-South San Francisco, CA (1,345), San Jose-Sunnyvale-Santa Clara, CA (1,285) and Oakland-Hayward-Berkeley, CA (1,201) (applications in parentheses).

Mortgage Company & Address Charles Schwab Bank, SSB

Lone Tree, CO 80124
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 20,871
Total Mortgage Loan Application Amount $15,344,045,000
Average Mortgage Loan Application Amount $735,184
Highest Mortgage Loan Application Amount $29,005,000
Average Applicant Income $347,861
Highest Applicant Income $9,865,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Charles Schwab Bank, SSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Charles Schwab Bank, SSB by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Santa Clara, California 1,282 $ 1,146,120,000 $ 894,009 $ 352,000
Los Angeles, California 1,188 $ 1,185,010,000 $ 997,483 $ 412,000
Orange, California 920 $ 839,180,000 $ 912,152 $ 385,000
San Diego, California 780 $ 640,380,000 $ 821,000 $ 334,000
San Mateo, California 772 $ 812,360,000 $ 1,052,279 $ 416,000
King, Washington 615 $ 544,215,000 $ 884,902 $ 356,000
Contra Costa, California 606 $ 442,750,000 $ 730,610 $ 321,000
Alameda, California 595 $ 435,905,000 $ 732,613 $ 285,000
San Francisco, California 573 $ 523,525,000 $ 913,656 $ 384,000
Maricopa, Arizona 552 $ 331,650,000 $ 600,815 $ 284,000
Marin, California 403 $ 360,035,000 $ 893,387 $ 356,000
Cook, Illinois 379 $ 226,965,000 $ 598,852 $ 378,000
Fairfield, Connecticut 284 $ 255,970,000 $ 901,302 $ 479,000
New York, New York 213 $ 230,035,000 $ 1,079,976 $ 482,000
Riverside, California 209 $ 128,825,000 $ 616,387 $ 339,000
Montgomery, Maryland 208 $ 143,790,000 $ 691,298 $ 357,000
Clark, Nevada 206 $ 112,970,000 $ 548,398 $ 306,000
Fulton, Georgia 201 $ 138,795,000 $ 690,522 $ 360,000
Palm Beach, Florida 197 $ 130,475,000 $ 662,309 $ 404,000
Sonoma, California 196 $ 138,130,000 $ 704,744 $ 363,000
Middlesex, Massachusetts 166 $ 117,970,000 $ 710,662 $ 368,000
Collier, Florida 160 $ 128,650,000 $ 804,062 $ 370,000
Denver, Colorado 156 $ 112,730,000 $ 722,628 $ 339,000
Santa Barbara, California 148 $ 157,910,000 $ 1,066,959 $ 429,000
Fairfax, Virginia 145 $ 90,385,000 $ 623,344 $ 293,000
Harris, Texas 141 $ 110,015,000 $ 780,248 $ 408,000
District of Columbia, District Of Columbia 135 $ 102,975,000 $ 762,777 $ 327,000
Hennepin, Minnesota 135 $ 81,475,000 $ 603,518 $ 316,000
Washoe, Nevada 132 $ 91,720,000 $ 694,848 $ 347,000
Travis, Texas 132 $ 94,650,000 $ 717,045 $ 349,000
Boulder, Colorado 123 $ 92,405,000 $ 751,260 $ 274,000
Douglas, Colorado 123 $ 67,585,000 $ 549,471 $ 283,000
Miami-Dade, Florida 116 $ 119,300,000 $ 1,028,448 $ 497,000
Placer, California 111 $ 84,465,000 $ 760,945 $ 393,000
DuPage, Illinois 110 $ 54,550,000 $ 495,909 $ 347,000
Broward, Florida 109 $ 80,625,000 $ 739,678 $ 361,000
Westchester, New York 109 $ 86,075,000 $ 789,678 $ 539,000
Mecklenburg, North Carolina 105 $ 61,995,000 $ 590,428 $ 299,000
Arapahoe, Colorado 104 $ 59,560,000 $ 572,692 $ 256,000
Multnomah, Oregon 101 $ 59,505,000 $ 589,158 $ 433,000
Dallas, Texas 101 $ 89,945,000 $ 890,544 $ 399,000
Monterey, California 100 $ 84,920,000 $ 849,200 $ 499,000
Ventura, California 99 $ 71,575,000 $ 722,979 $ 435,000
Lee, Florida 96 $ 61,120,000 $ 636,666 $ 328,000
Santa Cruz, California 90 $ 70,370,000 $ 781,888 $ 303,000
Jefferson, Colorado 84 $ 50,310,000 $ 598,928 $ 262,000
Lake, Illinois 82 $ 44,270,000 $ 539,878 $ 308,000
Sarasota, Florida 81 $ 58,875,000 $ 726,851 $ 359,000
Williamson, Tennessee 80 $ 47,320,000 $ 591,500 $ 462,000
Suffolk, New York 79 $ 70,755,000 $ 895,632 $ 442,000
Wake, North Carolina 75 $ 32,925,000 $ 439,000 $ 298,000
Sacramento, California 74 $ 33,650,000 $ 454,729 $ 291,000
Norfolk, Massachusetts 74 $ 63,440,000 $ 857,297 $ 476,000
St. Louis, Missouri 71 $ 43,675,000 $ 615,140 $ 390,000
Charleston, South Carolina 70 $ 56,470,000 $ 806,714 $ 392,000
Monmouth, New Jersey 65 $ 55,005,000 $ 846,230 $ 447,000
El Dorado, California 64 $ 38,770,000 $ 605,781 $ 347,000
Summit, Utah 64 $ 83,190,000 $ 1,299,843 $ 499,000
Suffolk, Massachusetts 63 $ 50,335,000 $ 798,968 $ 376,000
Pinellas, Florida 62 $ 41,440,000 $ 668,387 $ 328,000
Barnstable, Massachusetts 62 $ 43,430,000 $ 700,483 $ 482,000
Oakland, Michigan 62 $ 32,970,000 $ 531,774 $ 268,000
Beaufort, South Carolina 62 $ 35,550,000 $ 573,387 $ 271,000
Pima, Arizona 59 $ 22,715,000 $ 385,000 $ 150,000
Nevada, California 58 $ 34,180,000 $ 589,310 $ 304,000
Bergen, New Jersey 58 $ 39,900,000 $ 687,931 $ 417,000
Eagle, Colorado 56 $ 54,880,000 $ 980,000 $ 470,000
Davidson, Tennessee 56 $ 32,440,000 $ 579,285 $ 327,000
Morris, New Jersey 55 $ 33,715,000 $ 613,000 $ 330,000
Ada, Idaho 54 $ 28,270,000 $ 523,518 $ 206,000
Montgomery, Pennsylvania 53 $ 26,325,000 $ 496,698 $ 274,000
Kitsap, Washington 53 $ 38,485,000 $ 726,132 $ 277,000
Kings, New York 52 $ 49,320,000 $ 948,461 $ 347,000
San Luis Obispo, California 51 $ 35,405,000 $ 694,215 $ 289,000
Essex, Massachusetts 51 $ 32,535,000 $ 637,941 $ 341,000
Honolulu, Hawaii 50 $ 45,480,000 $ 909,600 $ 319,000
Anne Arundel, Maryland 50 $ 38,480,000 $ 769,600 $ 409,000
Cuyahoga, Ohio 48 $ 23,250,000 $ 484,375 $ 400,000
Tarrant, Texas 48 $ 34,860,000 $ 726,250 $ 394,000
Cobb, Georgia 47 $ 21,045,000 $ 447,765 $ 324,000
Nassau, New York 47 $ 32,515,000 $ 691,808 $ 355,000
Salt Lake, Utah 47 $ 31,335,000 $ 666,702 $ 371,000
Summit, Colorado 46 $ 36,610,000 $ 795,869 $ 522,000
Napa, California 45 $ 28,235,000 $ 627,444 $ 240,000
Yavapai, Arizona 44 $ 19,970,000 $ 453,863 $ 227,000
Orange, Florida 44 $ 24,420,000 $ 555,000 $ 275,000
DeKalb, Georgia 44 $ 19,720,000 $ 448,181 $ 248,000
San Bernardino, California 43 $ 24,435,000 $ 568,255 $ 314,000
Clackamas, Oregon 43 $ 24,095,000 $ 560,348 $ 251,000
Deschutes, Oregon 43 $ 26,065,000 $ 606,162 $ 282,000
Loudoun, Virginia 43 $ 19,415,000 $ 451,511 $ 234,000
St. Johns, Florida 41 $ 23,255,000 $ 567,195 $ 248,000
Santa Fe, New Mexico 41 $ 26,485,000 $ 645,975 $ 206,000
Arlington, Virginia 41 $ 26,995,000 $ 658,414 $ 326,000
Clark, Washington 40 $ 20,210,000 $ 505,250 $ 229,000
Sussex, Delaware 39 $ 25,355,000 $ 650,128 $ 662,000
Hamilton, Indiana 39 $ 16,925,000 $ 433,974 $ 209,000
Walton, Florida 38 $ 40,040,000 $ 1,053,684 $ 441,000
Philadelphia, Pennsylvania 38 $ 22,740,000 $ 598,421 $ 315,000
Cape May, New Jersey 37 $ 33,275,000 $ 899,324 $ 457,000
Essex, New Jersey 37 $ 25,025,000 $ 676,351 $ 703,000
Chester, Pennsylvania 37 $ 17,345,000 $ 468,783 $ 242,000
Hillsborough, Florida 36 $ 20,430,000 $ 567,500 $ 278,000
Plymouth, Massachusetts 36 $ 19,810,000 $ 550,277 $ 294,000
Gallatin, Montana 36 $ 22,530,000 $ 625,833 $ 448,000
Denton, Texas 36 $ 18,680,000 $ 518,888 $ 297,000
Mercer, New Jersey 35 $ 20,025,000 $ 572,142 $ 221,000
Franklin, Ohio 35 $ 17,965,000 $ 513,285 $ 237,000
Blaine, Idaho 34 $ 25,690,000 $ 755,588 $ 300,000
Buncombe, North Carolina 34 $ 21,770,000 $ 640,294 $ 243,000
Pierce, Washington 33 $ 19,775,000 $ 599,242 $ 250,000
Snohomish, Washington 33 $ 18,855,000 $ 571,363 $ 497,000
Manatee, Florida 32 $ 16,060,000 $ 501,875 $ 195,000
Washtenaw, Michigan 32 $ 15,140,000 $ 473,125 $ 275,000
Somerset, New Jersey 32 $ 17,640,000 $ 551,250 $ 426,000
Bucks, Pennsylvania 32 $ 15,120,000 $ 472,500 $ 205,000
Delaware, Pennsylvania 32 $ 17,430,000 $ 544,687 $ 394,000
Collin, Texas 32 $ 23,060,000 $ 720,625 $ 349,000
Waukesha, Wisconsin 32 $ 15,730,000 $ 491,562 $ 227,000
Duval, Florida 30 $ 15,370,000 $ 512,333 $ 237,000
Rockingham, New Hampshire 30 $ 16,240,000 $ 541,333 $ 421,000
Ocean, New Jersey 30 $ 16,950,000 $ 565,000 $ 298,000
Washington, Oregon 30 $ 12,880,000 $ 429,333 $ 196,000
El Paso, Colorado 29 $ 13,335,000 $ 459,827 $ 264,000
Douglas, Nevada 28 $ 28,540,000 $ 1,019,285 $ 687,000
Queens, New York 28 $ 14,940,000 $ 533,571 $ 203,000
Johnson, Kansas 27 $ 12,955,000 $ 479,814 $ 224,000
Orleans, Louisiana 27 $ 18,685,000 $ 692,037 $ 417,000
Bexar, Texas 27 $ 11,215,000 $ 415,370 $ 238,000
Howard, Maryland 26 $ 15,300,000 $ 588,461 $ 342,000
Hamilton, Ohio 26 $ 12,920,000 $ 496,923 $ 246,000
Solano, California 25 $ 12,555,000 $ 502,200 $ 222,000
Yolo, California 25 $ 13,595,000 $ 543,800 $ 274,000
Larimer, Colorado 25 $ 12,625,000 $ 505,000 $ 182,000
Monroe, Florida 25 $ 23,675,000 $ 947,000 $ 443,000
Marion, Indiana 25 $ 9,935,000 $ 397,400 $ 221,000
Hudson, New Jersey 24 $ 14,810,000 $ 617,083 $ 361,000
Union, New Jersey 24 $ 14,800,000 $ 616,666 $ 371,000
Williamson, Texas 24 $ 8,320,000 $ 346,666 $ 266,000
Alexandria, Virginia 24 $ 14,100,000 $ 587,500 $ 289,000
Teton, Wyoming 24 $ 34,390,000 $ 1,432,916 $ 623,000
Martin, Florida 23 $ 17,315,000 $ 752,826 $ 381,000
Maui, Hawaii 23 $ 18,835,000 $ 818,913 $ 296,000
Fort Bend, Texas 23 $ 9,985,000 $ 434,130 $ 266,000
Pitkin, Colorado 22 $ 54,060,000 $ 2,457,272 $ 1,381,000
Hartford, Connecticut 22 $ 7,170,000 $ 325,909 $ 258,000
Indian River, Florida 22 $ 24,060,000 $ 1,093,636 $ 569,000
San Joaquin, California 21 $ 7,705,000 $ 366,904 $ 256,000
Iredell, North Carolina 21 $ 16,915,000 $ 805,476 $ 354,000
Allegheny, Pennsylvania 21 $ 10,955,000 $ 521,666 $ 281,000
Forsyth, Georgia 20 $ 7,500,000 $ 375,000 $ 162,000
Hawaii, Hawaii 20 $ 15,210,000 $ 760,500 $ 515,000
Delaware, Ohio 20 $ 8,120,000 $ 406,000 $ 228,000
Routt, Colorado 19 $ 16,925,000 $ 890,789 $ 357,000
Litchfield, Connecticut 19 $ 13,215,000 $ 695,526 $ 347,000
Sumter, Florida 19 $ 7,235,000 $ 380,789 $ 160,000
Dakota, Minnesota 19 $ 5,725,000 $ 301,315 $ 129,000
Bernalillo, New Mexico 19 $ 7,965,000 $ 419,210 $ 321,000
Greenville, South Carolina 19 $ 7,105,000 $ 373,947 $ 221,000
New Castle, Delaware 18 $ 5,370,000 $ 298,333 $ 167,000
Nassau, Florida 18 $ 9,650,000 $ 536,111 $ 200,000
Will, Illinois 18 $ 6,710,000 $ 372,777 $ 212,000
Henderson, North Carolina 18 $ 5,120,000 $ 284,444 $ 146,000
Jackson, Oregon 18 $ 7,850,000 $ 436,111 $ 229,000
Wasatch, Utah 18 $ 22,100,000 $ 1,227,777 $ 851,000
Pinal, Arizona 17 $ 7,085,000 $ 416,764 $ 162,000
Fresno, California 17 $ 7,125,000 $ 419,117 $ 169,000
Durham, North Carolina 17 $ 5,595,000 $ 329,117 $ 213,000
Flagler, Florida 16 $ 5,350,000 $ 334,375 $ 184,000
Volusia, Florida 16 $ 6,480,000 $ 405,000 $ 186,000
Baltimore, Maryland 16 $ 7,580,000 $ 473,750 $ 330,000
Middlesex, New Jersey 16 $ 6,130,000 $ 383,125 $ 214,000
Orange, North Carolina 16 $ 8,960,000 $ 560,000 $ 358,000
Warren, Ohio 16 $ 7,570,000 $ 473,125 $ 313,000
Berkeley, South Carolina 16 $ 13,140,000 $ 821,250 $ 376,000
New Haven, Connecticut 15 $ 5,625,000 $ 375,000 $ 245,000
Chatham, Georgia 15 $ 7,295,000 $ 486,333 $ 216,000
Forsyth, North Carolina 15 $ 6,915,000 $ 461,000 $ 436,000
Montgomery, Texas 15 $ 6,335,000 $ 422,333 $ 210,000
Milwaukee, Wisconsin 15 $ 6,575,000 $ 438,333 $ 242,000
Seminole, Florida 14 $ 4,850,000 $ 346,428 $ 145,000
Kane, Illinois 14 $ 4,980,000 $ 355,714 $ 292,000
Cumberland, Maine 14 $ 5,140,000 $ 367,142 $ 260,000
Kent, Michigan 14 $ 5,780,000 $ 412,857 $ 240,000
Brunswick, North Carolina 14 $ 6,170,000 $ 440,714 $ 233,000
Washington, Rhode Island 14 $ 9,040,000 $ 645,714 $ 492,000
Richmond City, Virginia 14 $ 8,170,000 $ 583,571 $ 411,000
San Juan, Washington 14 $ 9,330,000 $ 666,428 $ 368,000
Baldwin, Alabama 13 $ 8,375,000 $ 644,230 $ 214,000
Kern, California 13 $ 3,205,000 $ 246,538 $ 148,000
Mono, California 13 $ 7,725,000 $ 594,230 $ 305,000
Brevard, Florida 13 $ 6,335,000 $ 487,307 $ 344,000
Kootenai, Idaho 13 $ 7,525,000 $ 578,846 $ 186,000
Jefferson, Kentucky 13 $ 4,995,000 $ 384,230 $ 198,000
Dukes, Massachusetts 13 $ 9,165,000 $ 705,000 $ 345,000
Wayne, Michigan 13 $ 5,105,000 $ 392,692 $ 260,000
Ramsey, Minnesota 13 $ 5,045,000 $ 388,076 $ 250,000
Flathead, Montana 13 $ 11,765,000 $ 905,000 $ 356,000
Hillsborough, New Hampshire 13 $ 3,935,000 $ 302,692 $ 163,000
Union, North Carolina 13 $ 6,465,000 $ 497,307 $ 272,000
Summit, Ohio 13 $ 3,055,000 $ 235,000 $ 173,000
York, South Carolina 13 $ 4,865,000 $ 374,230 $ 256,000
Comal, Texas 13 $ 5,145,000 $ 395,769 $ 201,000
Virginia Beach, Virginia 13 $ 6,175,000 $ 475,000 $ 371,000
Jefferson, Alabama 12 $ 10,440,000 $ 870,000 $ 296,000
Gunnison, Colorado 12 $ 10,300,000 $ 858,333 $ 251,000
Weld, Colorado 12 $ 4,850,000 $ 404,166 $ 254,000
Pasco, Florida 12 $ 3,130,000 $ 260,833 $ 143,000
St. Lucie, Florida 12 $ 5,550,000 $ 462,500 $ 369,000
Cherokee, Georgia 12 $ 3,470,000 $ 289,166 $ 187,000
Boone, Indiana 12 $ 8,030,000 $ 669,166 $ 359,000
Worcester, Massachusetts 12 $ 5,560,000 $ 463,333 $ 252,000
St. Charles, Missouri 12 $ 3,750,000 $ 312,500 $ 205,000
Horry, South Carolina 12 $ 4,270,000 $ 355,833 $ 215,000
Shelby, Tennessee 12 $ 6,450,000 $ 537,500 $ 311,000
Whatcom, Washington 12 $ 7,910,000 $ 659,166 $ 221,000
Dane, Wisconsin 12 $ 4,700,000 $ 391,666 $ 212,000
Walworth, Wisconsin 12 $ 7,340,000 $ 611,666 $ 327,000
Anchorage, Alaska 11 $ 3,355,000 $ 305,000 $ 137,000
Coconino, Arizona 11 $ 4,705,000 $ 427,727 $ 181,000
Navajo, Arizona 11 $ 2,475,000 $ 225,000 $ 227,000
Pulaski, Arkansas 11 $ 6,975,000 $ 634,090 $ 189,000
Calaveras, California 11 $ 4,505,000 $ 409,545 $ 389,000
Grand, Colorado 11 $ 4,875,000 $ 443,181 $ 362,000
San Miguel, Colorado 11 $ 13,355,000 $ 1,214,090 $ 439,000
Osceola, Florida 11 $ 4,985,000 $ 453,181 $ 270,000
East Baton Rouge, Louisiana 11 $ 6,875,000 $ 625,000 $ 217,000
Baltimore City, Maryland 11 $ 4,345,000 $ 395,000 $ 214,000
Nantucket, Massachusetts 11 $ 12,305,000 $ 1,118,636 $ 985,000
Carver, Minnesota 11 $ 5,855,000 $ 532,272 $ 189,000
Washington, Minnesota 11 $ 5,795,000 $ 526,818 $ 408,000
Missoula, Montana 11 $ 6,955,000 $ 632,272 $ 246,000
Belknap, New Hampshire 11 $ 5,195,000 $ 472,272 $ 234,000
Carroll, New Hampshire 11 $ 10,015,000 $ 910,454 $ 536,000
Dare, North Carolina 11 $ 5,345,000 $ 485,909 $ 264,000
Guilford, North Carolina 11 $ 7,825,000 $ 711,363 $ 958,000
New Hanover, North Carolina 11 $ 5,785,000 $ 525,909 $ 178,000
Oklahoma, Oklahoma 11 $ 4,265,000 $ 387,727 $ 181,000
Lehigh, Pennsylvania 11 $ 3,555,000 $ 323,181 $ 245,000
Newport, Rhode Island 11 $ 6,815,000 $ 619,545 $ 281,000
Albemarle, Virginia 11 $ 6,685,000 $ 607,727 $ 291,000
La Plata, Colorado 10 $ 5,710,000 $ 571,000 $ 314,000
Gwinnett, Georgia 10 $ 4,900,000 $ 490,000 $ 273,000
Berkshire, Massachusetts 10 $ 6,010,000 $ 601,000 $ 275,000
Atlantic, New Jersey 10 $ 6,810,000 $ 681,000 $ 371,000
Burlington, New Jersey 10 $ 4,030,000 $ 403,000 $ 243,000
Jackson, North Carolina 10 $ 7,660,000 $ 766,000 $ 494,000
Georgetown, South Carolina 10 $ 5,430,000 $ 543,000 $ 503,000
Knox, Tennessee 10 $ 3,330,000 $ 333,000 $ 297,000
Washington, Utah 10 $ 3,310,000 $ 331,000 $ 139,000
Island, Washington 10 $ 5,940,000 $ 594,000 $ 253,000
Middlesex, Connecticut 9 $ 4,715,000 $ 523,888 $ 255,000
Charlotte, Florida 9 $ 3,395,000 $ 377,222 $ 197,000
Glynn, Georgia 9 $ 10,995,000 $ 1,221,666 $ 730,000
Hall, Georgia 9 $ 5,515,000 $ 612,777 $ 433,000
Valley, Idaho 9 $ 4,755,000 $ 528,333 $ 206,000
McHenry, Illinois 9 $ 2,145,000 $ 238,333 $ 186,000
York, Maine 9 $ 4,925,000 $ 547,222 $ 312,000
Talbot, Maryland 9 $ 6,335,000 $ 703,888 $ 376,000
Berrien, Michigan 9 $ 3,515,000 $ 390,555 $ 396,000
Douglas, Nebraska 9 $ 3,535,000 $ 392,777 $ 220,000
Hunterdon, New Jersey 9 $ 4,505,000 $ 500,555 $ 201,000
Moore, North Carolina 9 $ 2,915,000 $ 323,888 $ 116,000
Watauga, North Carolina 9 $ 5,525,000 $ 613,888 $ 680,000
Galveston, Texas 9 $ 3,825,000 $ 425,000 $ 272,000
Hays, Texas 9 $ 3,445,000 $ 382,777 $ 237,000
Kittitas, Washington 9 $ 5,385,000 $ 598,333 $ 331,000
Ozaukee, Wisconsin 9 $ 3,695,000 $ 410,555 $ 276,000
Shelby, Alabama 8 $ 2,760,000 $ 345,000 $ 188,000
Mendocino, California 8 $ 5,530,000 $ 691,250 $ 243,000
Broomfield, Colorado 8 $ 5,650,000 $ 706,250 $ 186,000
Greene, Georgia 8 $ 6,580,000 $ 822,500 $ 366,000
Jefferson, Louisiana 8 $ 3,670,000 $ 458,750 $ 206,000
Leelanau, Michigan 8 $ 3,560,000 $ 445,000 $ 405,000
Rockland, New York 8 $ 3,510,000 $ 438,750 $ 204,000
Marion, Oregon 8 $ 2,440,000 $ 305,000 $ 124,000
Chittenden, Vermont 8 $ 4,690,000 $ 586,250 $ 239,000
Franklin, Virginia 8 $ 6,270,000 $ 783,750 $ 576,000
Henrico, Virginia 8 $ 3,850,000 $ 481,250 $ 265,000
Prince William, Virginia 8 $ 3,820,000 $ 477,500 $ 175,000
Spokane, Washington 8 $ 3,190,000 $ 398,750 $ 158,000
St. Croix, Wisconsin 8 $ 3,300,000 $ 412,500 $ 193,000
Benton, Arkansas 7 $ 4,025,000 $ 575,000 $ 405,000
Adams, Colorado 7 $ 3,285,000 $ 469,285 $ 223,000
Garfield, Colorado 7 $ 5,645,000 $ 806,428 $ 327,000
New London, Connecticut 7 $ 2,715,000 $ 387,857 $ 254,000
Lake, Florida 7 $ 4,885,000 $ 697,857 $ 241,000
Okaloosa, Florida 7 $ 4,305,000 $ 615,000 $ 395,000
Grand Traverse, Michigan 7 $ 4,275,000 $ 610,714 $ 330,000
Ottawa, Michigan 7 $ 3,565,000 $ 509,285 $ 245,000
Crow Wing, Minnesota 7 $ 2,825,000 $ 403,571 $ 223,000
Scott, Minnesota 7 $ 3,085,000 $ 440,714 $ 354,000
St. Louis City, Missouri 7 $ 1,405,000 $ 200,714 $ 172,000
Merrimack, New Hampshire 7 $ 3,515,000 $ 502,142 $ 408,000
Camden, New Jersey 7 $ 1,945,000 $ 277,857 $ 188,000
Chatham, North Carolina 7 $ 3,425,000 $ 489,285 $ 227,000
Currituck, North Carolina 7 $ 6,395,000 $ 913,571 $ 583,000
Transylvania, North Carolina 7 $ 3,405,000 $ 486,428 $ 230,000
Pickens, South Carolina 7 $ 6,385,000 $ 912,142 $ 458,000
Rockwall, Texas 7 $ 2,765,000 $ 395,000 $ 223,000
Utah, Utah 7 $ 4,265,000 $ 609,285 $ 507,000
Chesterfield, Virginia 7 $ 2,685,000 $ 383,571 $ 196,000
Skagit, Washington 7 $ 3,965,000 $ 566,428 $ 217,000
Thurston, Washington 7 $ 3,075,000 $ 439,285 $ 521,000
Gila, Arizona 6 $ 2,340,000 $ 390,000 $ 323,000
Plumas, California 6 $ 2,530,000 $ 421,666 $ 422,000
Kauai, Hawaii 6 $ 7,790,000 $ 1,298,333 $ 340,000
LaPorte, Indiana 6 $ 3,560,000 $ 593,333 $ 399,000
Worcester, Maryland 6 $ 2,450,000 $ 408,333 $ 425,000
Kalamazoo, Michigan 6 $ 1,680,000 $ 280,000 $ 253,000
Lenawee, Michigan 6 $ 3,010,000 $ 501,666 $ 439,000
Jackson, Missouri 6 $ 1,420,000 $ 236,666 $ 208,000
Park, Montana 6 $ 4,410,000 $ 735,000 $ 261,000
Monroe, New York 6 $ 1,420,000 $ 236,666 $ 246,000
Carteret, North Carolina 6 $ 3,400,000 $ 566,666 $ 355,000
Macon, North Carolina 6 $ 2,620,000 $ 436,666 $ 159,000
Union, Ohio 6 $ 2,450,000 $ 408,333 $ 392,000
Lancaster, Pennsylvania 6 $ 2,110,000 $ 351,666 $ 286,000
Providence, Rhode Island 6 $ 1,980,000 $ 330,000 $ 257,000
Lancaster, South Carolina 6 $ 1,310,000 $ 218,333 $ 115,000
Brazos, Texas 6 $ 2,850,000 $ 475,000 $ 442,000
Franklin, Vermont 6 $ 1,780,000 $ 296,666 $ 173,000
Windsor, Vermont 6 $ 3,320,000 $ 553,333 $ 297,000
Chelan, Washington 6 $ 5,070,000 $ 845,000 $ 529,000
Clallam, Washington 6 $ 3,670,000 $ 611,666 $ 262,000
Pacific, Washington 6 $ 1,290,000 $ 215,000 $ 112,000
Oneida, Wisconsin 6 $ 1,400,000 $ 233,333 $ 100,000
Sheridan, Wyoming 6 $ 2,740,000 $ 456,666 $ 176,000
Lee, Alabama 5 $ 1,315,000 $ 263,000 $ 131,000
Shasta, California 5 $ 1,495,000 $ 299,000 $ 102,000
Tolland, Connecticut 5 $ 2,425,000 $ 485,000 $ 386,000
Bay, Florida 5 $ 5,275,000 $ 1,055,000 $ 305,000
Leon, Florida 5 $ 3,085,000 $ 617,000 $ 204,000
Fayette, Georgia 5 $ 3,455,000 $ 691,000 $ 287,000
St. Tammany, Louisiana 5 $ 2,555,000 $ 511,000 $ 175,000
Lincoln, Maine 5 $ 4,305,000 $ 861,000 $ 325,000
Queen Anne's, Maryland 5 $ 2,475,000 $ 495,000 $ 312,000
Bristol, Massachusetts 5 $ 3,235,000 $ 647,000 $ 316,000
Hampshire, Massachusetts 5 $ 1,985,000 $ 397,000 $ 266,000
Benzie, Michigan 5 $ 2,305,000 $ 461,000 $ 140,000
Charlevoix, Michigan 5 $ 4,025,000 $ 805,000 $ 1,058,000
Emmet, Michigan 5 $ 4,265,000 $ 853,000 $ 835,000
Anoka, Minnesota 5 $ 1,315,000 $ 263,000 $ 77,000
Wright, Minnesota 5 $ 1,635,000 $ 327,000 $ 224,000
Madison, Montana 5 $ 12,305,000 $ 2,461,000 $ 357,000
Ravalli, Montana 5 $ 3,585,000 $ 717,000 $ 430,000
Lancaster, Nebraska 5 $ 825,000 $ 165,000 $ 92,000
Lincoln, New Mexico 5 $ 1,975,000 $ 395,000 $ 192,000
Dutchess, New York 5 $ 4,805,000 $ 961,000 $ 383,000
Ontario, New York 5 $ 2,535,000 $ 507,000 $ 348,000
Orange, New York 5 $ 1,925,000 $ 385,000 $ 159,000
Saratoga, New York 5 $ 1,145,000 $ 229,000 $ 117,000
Catawba, North Carolina 5 $ 2,195,000 $ 439,000 $ 152,000
Lincoln, North Carolina 5 $ 3,485,000 $ 697,000 $ 238,000
Geauga, Ohio 5 $ 1,685,000 $ 337,000 $ 139,000
Lorain, Ohio 5 $ 1,115,000 $ 223,000 $ 164,000
Medina, Ohio 5 $ 735,000 $ 147,000 $ 86,000
Benton, Oregon 5 $ 1,365,000 $ 273,000 $ 113,000
Lane, Oregon 5 $ 2,595,000 $ 519,000 $ 456,000
Cumberland, Pennsylvania 5 $ 1,025,000 $ 205,000 $ 133,000
Oconee, South Carolina 5 $ 2,875,000 $ 575,000 $ 255,000
Llano, Texas 5 $ 3,305,000 $ 661,000 $ 569,000
Lamoille, Vermont 5 $ 5,055,000 $ 1,011,000 $ 756,000
Charlottesville, Virginia 5 $ 2,455,000 $ 491,000 $ 423,000
Falls Church, Virginia 5 $ 4,195,000 $ 839,000 $ 379,000
Fauquier, Virginia 5 $ 1,595,000 $ 319,000 $ 142,000
James City, Virginia 5 $ 2,515,000 $ 503,000 $ 246,000
Washington, Arkansas 4 $ 2,190,000 $ 547,500 $ 327,000
Butte, California 4 $ 1,060,000 $ 265,000 $ 211,000
Stanislaus, California 4 $ 2,140,000 $ 535,000 $ 179,000
Elbert, Colorado 4 $ 1,230,000 $ 307,500 $ 140,000
Franklin, Florida 4 $ 1,930,000 $ 482,500 $ 157,000
Marion, Florida 4 $ 1,100,000 $ 275,000 $ 196,000
Polk, Florida 4 $ 810,000 $ 202,500 $ 121,000
Allen, Indiana 4 $ 1,190,000 $ 297,500 $ 155,000
Lake, Indiana 4 $ 500,000 $ 125,000 $ 92,000
Polk, Iowa 4 $ 1,400,000 $ 350,000 $ 204,000
Knox, Maine 4 $ 1,650,000 $ 412,500 $ 273,000
Frederick, Maryland 4 $ 1,050,000 $ 262,500 $ 122,000
Garrett, Maryland 4 $ 1,810,000 $ 452,500 $ 357,000
Prince George's, Maryland 4 $ 2,070,000 $ 517,500 $ 543,000
Ingham, Michigan 4 $ 1,190,000 $ 297,500 $ 163,000
Livingston, Michigan 4 $ 1,270,000 $ 317,500 $ 175,000
Van Buren, Michigan 4 $ 1,590,000 $ 397,500 $ 337,000
Churchill, Nevada 4 $ 1,240,000 $ 310,000 $ 474,000
Passaic, New Jersey 4 $ 1,450,000 $ 362,500 $ 173,000
Sussex, New Jersey 4 $ 1,100,000 $ 275,000 $ 123,000
Dona Ana, New Mexico 4 $ 1,030,000 $ 257,500 $ 134,000
Sandoval, New Mexico 4 $ 1,250,000 $ 312,500 $ 131,000
Taos, New Mexico 4 $ 1,820,000 $ 455,000 $ 208,000
Erie, New York 4 $ 1,980,000 $ 495,000 $ 263,000
Ulster, New York 4 $ 3,010,000 $ 752,500 $ 458,000
Avery, North Carolina 4 $ 2,750,000 $ 687,500 $ 287,000
Haywood, North Carolina 4 $ 1,350,000 $ 337,500 $ 144,000
Tulsa, Oklahoma 4 $ 2,030,000 $ 507,500 $ 262,000
Westmoreland, Pennsylvania 4 $ 1,240,000 $ 310,000 $ 192,000
Bristol, Rhode Island 4 $ 2,980,000 $ 745,000 $ 273,000
Kent, Rhode Island 4 $ 2,010,000 $ 502,500 $ 176,000
Wilson, Tennessee 4 $ 1,470,000 $ 367,500 $ 166,000
Nueces, Texas 4 $ 2,340,000 $ 585,000 $ 435,000
Davis, Utah 4 $ 930,000 $ 232,500 $ 208,000
Weber, Utah 4 $ 3,260,000 $ 815,000 $ 700,000
Louisa, Virginia 4 $ 2,300,000 $ 575,000 $ 307,000
Nelson, Virginia 4 $ 1,080,000 $ 270,000 $ 112,000
Douglas, Washington 4 $ 2,770,000 $ 692,500 $ 425,000
Jefferson, Washington 4 $ 2,410,000 $ 602,500 $ 133,000
Sawyer, Wisconsin 4 $ 1,010,000 $ 252,500 $ 221,000
Madison, Alabama 3 $ 1,405,000 $ 468,333 $ 257,000
Mobile, Alabama 3 $ 1,205,000 $ 401,666 $ 217,000
Humboldt, California 3 $ 675,000 $ 225,000 $ 117,000
Mariposa, California 3 $ 1,585,000 $ 528,333 $ 429,000
San Benito, California 3 $ 1,185,000 $ 395,000 $ 133,000
Siskiyou, California 3 $ 715,000 $ 238,333 $ 285,000
Tulare, California 3 $ 1,015,000 $ 338,333 $ 163,000
Tuolumne, California 3 $ 1,025,000 $ 341,666 $ 213,000
Chaffee, Colorado 3 $ 985,000 $ 328,333 $ 154,000
Mesa, Colorado 3 $ 1,565,000 $ 521,666 $ 454,000
Montrose, Colorado 3 $ 1,205,000 $ 401,666 $ 154,000
Park, Colorado 3 $ 1,255,000 $ 418,333 $ 111,000
Escambia, Florida 3 $ 1,025,000 $ 341,666 $ 140,000
Santa Rosa, Florida 3 $ 675,000 $ 225,000 $ 82,000
Camden, Georgia 3 $ 1,445,000 $ 481,666 $ 184,000
Fannin, Georgia 3 $ 1,065,000 $ 355,000 $ 331,000
Henry, Georgia 3 $ 1,655,000 $ 551,666 $ 149,000
Putnam, Georgia 3 $ 2,515,000 $ 838,333 $ 464,000
Rabun, Georgia 3 $ 3,625,000 $ 1,208,333 $ 763,000
Bonner, Idaho 3 $ 835,000 $ 278,333 $ 139,000
Teton, Idaho 3 $ 1,955,000 $ 651,666 $ 219,000
Hendricks, Indiana 3 $ 535,000 $ 178,333 $ 153,000
Monroe, Indiana 3 $ 905,000 $ 301,666 $ 108,000
Tippecanoe, Indiana 3 $ 565,000 $ 188,333 $ 108,000
Sedgwick, Kansas 3 $ 755,000 $ 251,666 $ 177,000
Boone, Kentucky 3 $ 905,000 $ 301,666 $ 95,000
Fayette, Kentucky 3 $ 1,485,000 $ 495,000 $ 181,000
Lafayette, Louisiana 3 $ 1,285,000 $ 428,333 $ 142,000
Hancock, Maine 3 $ 3,125,000 $ 1,041,666 $ 502,000
Cecil, Maryland 3 $ 925,000 $ 308,333 $ 122,000
Dorchester, Maryland 3 $ 865,000 $ 288,333 $ 181,000
Cass, Minnesota 3 $ 1,275,000 $ 425,000 $ 143,000
Madison, Mississippi 3 $ 2,145,000 $ 715,000 $ 229,000
Rankin, Mississippi 3 $ 985,000 $ 328,333 $ 398,000
Boone, Missouri 3 $ 2,185,000 $ 728,333 $ 234,000
Clay, Missouri 3 $ 755,000 $ 251,666 $ 1,596,000
Lake, Montana 3 $ 975,000 $ 325,000 $ 123,000
Columbia, New York 3 $ 1,995,000 $ 665,000 $ 213,000
Putnam, New York 3 $ 2,445,000 $ 815,000 $ 497,000
Richmond, New York 3 $ 1,665,000 $ 555,000 $ 230,000
Sullivan, New York 3 $ 1,165,000 $ 388,333 $ 475,000
Warren, New York 3 $ 2,515,000 $ 838,333 $ 392,000
Pamlico, North Carolina 3 $ 1,635,000 $ 545,000 $ 108,000
Erie, Ohio 3 $ 745,000 $ 248,333 $ 199,000
Greene, Ohio 3 $ 1,875,000 $ 625,000 $ 198,000
Lake, Ohio 3 $ 295,000 $ 98,333 $ 65,000
Mahoning, Ohio 3 $ 655,000 $ 218,333 $ 290,000
Stark, Ohio 3 $ 685,000 $ 228,333 $ 172,000
Clatsop, Oregon 3 $ 1,415,000 $ 471,666 $ 260,000
Crook, Oregon 3 $ 1,705,000 $ 568,333 $ 252,000
Josephine, Oregon 3 $ 1,515,000 $ 505,000 $ 1,044,000
Centre, Pennsylvania 3 $ 695,000 $ 231,666 $ 83,000
Dauphin, Pennsylvania 3 $ 1,105,000 $ 368,333 $ 359,000
Luzerne, Pennsylvania 3 $ 875,000 $ 291,666 $ 189,000
Northampton, Pennsylvania 3 $ 945,000 $ 315,000 $ 208,000
Washington, Pennsylvania 3 $ 825,000 $ 275,000 $ 104,000
Dorchester, South Carolina 3 $ 795,000 $ 265,000 $ 159,000
Spartanburg, South Carolina 3 $ 855,000 $ 285,000 $ 170,000
Hamilton, Tennessee 3 $ 945,000 $ 315,000 $ 69,000
Monroe, Tennessee 3 $ 1,465,000 $ 488,333 $ 140,000
Sumner, Tennessee 3 $ 1,565,000 $ 521,666 $ 187,000
Bell, Texas 3 $ 615,000 $ 205,000 $ 256,000
Brazoria, Texas 3 $ 575,000 $ 191,666 $ 234,000
Burnet, Texas 3 $ 2,705,000 $ 901,666 $ 479,000
Kendall, Texas 3 $ 5,215,000 $ 1,738,333 $ 352,000
Goochland, Virginia 3 $ 1,675,000 $ 558,333 $ 201,000
Hanover, Virginia 3 $ 1,065,000 $ 355,000 $ 176,000
Mathews, Virginia 3 $ 3,105,000 $ 1,035,000 $ 340,000
Northampton, Virginia 3 $ 1,425,000 $ 475,000 $ 160,000
Sheboygan, Wisconsin 3 $ 985,000 $ 328,333 $ 102,000
Washington, Wisconsin 3 $ 1,345,000 $ 448,333 $ 214,000
Elmore, Alabama 2 $ 1,740,000 $ 870,000 $ 826,000
Morgan, Alabama 2 $ 320,000 $ 160,000 $ 76,000
Garland, Arkansas 2 $ 780,000 $ 390,000 $ 109,000
Amador, California 2 $ 710,000 $ 355,000 $ 558,000
Lake, California 2 $ 560,000 $ 280,000 $ 393,000
Madera, California 2 $ 1,030,000 $ 515,000 $ 280,000
Merced, California 2 $ 530,000 $ 265,000 $ 161,000
Archuleta, Colorado 2 $ 970,000 $ 485,000 $ 204,000
Clear Creek, Colorado 2 $ 1,780,000 $ 890,000 $ 219,000
Ouray, Colorado 2 $ 1,300,000 $ 650,000 $ 105,000
Teller, Colorado 2 $ 920,000 $ 460,000 $ 111,000
Alachua, Florida 2 $ 1,010,000 $ 505,000 $ 631,000
Citrus, Florida 2 $ 1,050,000 $ 525,000 $ 170,000
Carroll, Georgia 2 $ 300,000 $ 150,000 $ 107,000
Dawson, Georgia 2 $ 720,000 $ 360,000 $ 78,000
Walton, Georgia 2 $ 250,000 $ 125,000 $ 84,000
Latah, Idaho 2 $ 420,000 $ 210,000 $ 127,000
Grundy, Illinois 2 $ 920,000 $ 460,000 $ 320,000
McLean, Illinois 2 $ 660,000 $ 330,000 $ 353,000
Winnebago, Illinois 2 $ 370,000 $ 185,000 $ 284,000
Floyd, Indiana 2 $ 200,000 $ 100,000 $ 171,000
Johnson, Indiana 2 $ 190,000 $ 95,000 $ 135,000
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Mortgage Loan Application Detail Totals for Charles Schwab Bank, SSB in 2021

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 11,944 $8,843,990,000 $740,000 $14,005,000 $346,000 $9,865,000
Cash-out Refinancing 4,016 $2,609,710,000 $649,000 $29,005,000 $321,000 $6,466,000
Home Purchase 3,297 $2,812,965,000 $853,000 $15,925,000 $377,000 $7,789,000
Other Purpose 1,035 $783,165,000 $756,000 $9,105,000 $412,000 $8,164,000
Home Improvement 579 $294,215,000 $508,000 $5,505,000 $292,000 $6,183,000
Not Applicable 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 9,774 $6,659,380,000 $681,000 $9,105,000 $331,000 $8,164,000
Not Provided 9,219 $7,190,335,000 $779,000 $29,005,000 $367,000 $9,865,000
Asian 1,197 $991,065,000 $827,000 $6,035,000 $361,000 $6,926,000
Hispanic 267 $185,125,000 $693,000 $3,025,000 $295,000 $1,497,000
Black or African American 79 $58,735,000 $743,000 $7,005,000 $275,000 $4,331,000
American Indian or Alaskan Native 18 $10,000,000 $555,000 $1,585,000 $196,000 $448,000
Native Hawaiian or Other Pacific Islander 4 $3,950,000 $987,000 $1,365,000 $336,000 $505,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 20,871 $15,344,045,000 $735,000 $29,005,000 $348,000 $9,865,000
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
Loan Originated 12,468 $11,449,410,000 $918,000 $29,005,000 $411,000 $9,865,000
Loan Purchased By The Institution 7,571 $3,057,345,000 $403,000 $1,565,000 $239,000 $6,979,000
Application Denied By Financial Institution 592 $597,410,000 $1,009,000 $7,005,000 $370,000 $4,331,000
Application Approved But Not Accepted 203 $177,645,000 $875,000 $4,005,000 $429,000 $4,267,000
Preapproval Denied by Financial Institution 32 $51,900,000 $1,621,000 $4,005,000 $512,000 $3,350,000
Preapproval Approved but not Accepted 5 $10,335,000 $2,067,000 $2,925,000 $795,000 $1,999,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 20,247 $14,694,735,000 $725,000 $29,005,000 $347,000 $9,865,000
Debt-To-Income Ratio 224 $239,940,000 $1,071,000 $4,005,000 $257,000 $3,350,000
Other 146 $159,130,000 $1,089,000 $4,005,000 $403,000 $2,337,000
Collateral 141 $127,885,000 $906,000 $5,505,000 $485,000 $4,232,000
Unverifiable Information 63 $69,265,000 $1,099,000 $7,005,000 $479,000 $4,331,000
Credit Application Incomplete 27 $26,405,000 $977,000 $2,245,000 $387,000 $1,296,000
Credit History 14 $20,670,000 $1,476,000 $4,005,000 $495,000 $1,803,000
Employment History 5 $3,865,000 $773,000 $1,455,000 $254,000 $450,000
Insufficient Cash (Downpayment, Closing Cost) 3 $1,955,000 $651,000 $1,095,000 $173,000 $309,000
Mortgage Insurance Denied 1 $195,000 $195,000 $195,000 $188,000 $188,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Charles Schwab Bank, SSB's 2021 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 Charles Schwab Bank, SSB'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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