Decision One Mortgage Mortgage Lending & HMDA Data, 2004

In 2004, Decision One Mortgage of Charlotte, NC reported 157,350 mortgage applications totaling $21.1 billion, up 46% from 2003. The average application was for $134,122, and applicants reported an average income of $57,221. 45% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Phoenix-Mesa-Scottsdale, AZ (5,950), Chicago-Naperville-Joliet, IL (4,742) and Minneapolis-St. Paul-Bloomington, MN-WI (3,973) (applications in parentheses).

Mortgage Company & Address Decision One Mortgage
6060 J.A. Jones Drive
Charlotte, NC 28287
Tel #: available with data download
Federal Regulator * available with data download
Years 2004  2003  
Total Number of Mortgage Applications 157,350
Total Mortgage Loan Application Amount $21,104,154,000
Average Mortgage Loan Application Amount $134,122
Highest Mortgage Loan Application Amount $960,000
Average Applicant Income $57,221
Highest Applicant Income $1,300,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Decision One Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Decision One Mortgage by County in 2004

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 5,575 $ 651,418,000 $ 116,846 $ 64,000
Cook, Illinois 3,474 $ 527,140,000 $ 151,738 $ 61,000
Los Angeles, California 2,999 $ 680,532,000 $ 226,919 $ 88,000
Broward, Florida 1,522 $ 226,067,000 $ 148,532 $ 67,000
Miami-Dade, Florida 1,511 $ 224,558,000 $ 148,615 $ 72,000
Stanislaus, California 1,482 $ 252,470,000 $ 170,357 $ 73,000
Clark, Nevada 1,454 $ 235,984,000 $ 162,299 $ 67,000
Riverside, California 1,442 $ 308,828,000 $ 214,166 $ 81,000
Wayne, Michigan 1,379 $ 134,287,000 $ 97,379 $ 54,000
San Bernardino, California 1,371 $ 247,514,000 $ 180,535 $ 72,000
Fresno, California 1,354 $ 191,123,000 $ 141,154 $ 65,000
Harris, Texas 1,309 $ 122,085,000 $ 93,265 $ 68,000
Hennepin, Minnesota 1,280 $ 189,251,000 $ 147,852 $ 54,000
Prince George's, Maryland 1,276 $ 222,267,000 $ 174,190 $ 63,000
San Joaquin, California 1,245 $ 239,112,000 $ 192,057 $ 73,000
Sacramento, California 1,189 $ 222,264,000 $ 186,933 $ 69,000
San Diego, California 1,151 $ 335,536,000 $ 291,516 $ 84,000
Milwaukee, Wisconsin 1,081 $ 100,500,000 $ 92,969 $ 48,000
King, Washington 1,064 $ 170,995,000 $ 160,709 $ 75,000
Pierce, Washington 1,038 $ 134,706,000 $ 129,774 $ 58,000
Marion, Indiana 1,005 $ 96,379,000 $ 95,899 $ 50,000
Orange, Florida 998 $ 114,499,000 $ 114,728 $ 55,000
Shelby, Tennessee 984 $ 101,339,000 $ 102,986 $ 59,000
Palm Beach, Florida 809 $ 131,207,000 $ 162,184 $ 64,000
Hillsborough, Florida 790 $ 87,978,000 $ 111,364 $ 59,000
Mecklenburg, North Carolina 787 $ 89,377,000 $ 113,566 $ 75,000
Cuyahoga, Ohio 753 $ 74,543,000 $ 98,994 $ 42,000
Lee, Florida 724 $ 84,773,000 $ 117,089 $ 55,000
Snohomish, Washington 682 $ 101,642,000 $ 149,035 $ 79,000
Hamilton, Ohio 646 $ 61,686,000 $ 95,489 $ 44,000
Alameda, California 632 $ 175,187,000 $ 277,194 $ 91,000
Pima, Arizona 629 $ 68,311,000 $ 108,602 $ 50,000
Allegheny, Pennsylvania 629 $ 60,711,000 $ 96,519 $ 59,000
Fulton, Georgia 618 $ 87,901,000 $ 142,234 $ 70,000
Merced, California 586 $ 94,581,000 $ 161,401 $ 65,000
DeKalb, Georgia 586 $ 72,236,000 $ 123,269 $ 59,000
Franklin, Ohio 580 $ 61,786,000 $ 106,527 $ 44,000
New Castle, Delaware 566 $ 77,038,000 $ 136,109 $ 63,000
Anoka, Minnesota 561 $ 82,077,000 $ 146,304 $ 55,000
Virginia Beach, Virginia 550 $ 71,407,000 $ 129,830 $ 54,000
Gwinnett, Georgia 549 $ 70,302,000 $ 128,054 $ 65,000
Oakland, Michigan 542 $ 85,097,000 $ 157,005 $ 71,000
Providence, Rhode Island 542 $ 89,479,000 $ 165,090 $ 56,000
Ramsey, Minnesota 541 $ 74,969,000 $ 138,574 $ 51,000
Dallas, Texas 526 $ 51,747,000 $ 98,378 $ 68,000
Cobb, Georgia 519 $ 67,593,000 $ 130,236 $ 62,000
Davidson, Tennessee 518 $ 50,785,000 $ 98,040 $ 49,000
Dakota, Minnesota 513 $ 74,262,000 $ 144,760 $ 60,000
Knox, Tennessee 513 $ 44,645,000 $ 87,027 $ 46,000
Contra Costa, California 512 $ 130,823,000 $ 255,513 $ 87,000
St. Louis, Missouri 508 $ 56,560,000 $ 111,338 $ 45,000
Jackson, Missouri 506 $ 44,471,000 $ 87,887 $ 43,000
Multnomah, Oregon 477 $ 53,651,000 $ 112,475 $ 56,000
Fairfax, Virginia 476 $ 115,048,000 $ 241,697 $ 77,000
Orange, California 471 $ 133,666,000 $ 283,791 $ 95,000
Duval, Florida 464 $ 50,392,000 $ 108,603 $ 55,000
Macomb, Michigan 456 $ 57,450,000 $ 125,986 $ 53,000
Lucas, Ohio 448 $ 42,601,000 $ 95,091 $ 41,000
Prince William, Virginia 447 $ 94,185,000 $ 210,704 $ 68,000
Montgomery, Maryland 442 $ 90,663,000 $ 205,119 $ 62,000
Will, Illinois 439 $ 63,735,000 $ 145,182 $ 59,000
Summit, Ohio 430 $ 40,901,000 $ 95,118 $ 47,000
Pinellas, Florida 428 $ 49,626,000 $ 115,948 $ 55,000
Clark, Washington 420 $ 46,760,000 $ 111,333 $ 59,000
Monroe, Pennsylvania 412 $ 59,398,000 $ 144,169 $ 61,000
Kent, Michigan 411 $ 43,829,000 $ 106,639 $ 48,000
Genesee, Michigan 408 $ 41,941,000 $ 102,796 $ 52,000
Salt Lake, Utah 396 $ 46,190,000 $ 116,641 $ 53,000
Hamilton, Tennessee 388 $ 38,352,000 $ 98,845 $ 44,000
Douglas, Nebraska 384 $ 33,145,000 $ 86,315 $ 57,000
Arapahoe, Colorado 378 $ 49,569,000 $ 131,134 $ 63,000
Pinal, Arizona 375 $ 36,691,000 $ 97,842 $ 51,000
Luzerne, Pennsylvania 373 $ 35,000,000 $ 93,833 $ 49,000
Santa Clara, California 369 $ 119,940,000 $ 325,040 $ 95,000
Washington, Oregon 360 $ 43,509,000 $ 120,858 $ 62,000
Marion, Oregon 352 $ 34,617,000 $ 98,343 $ 54,000
DuPage, Illinois 349 $ 55,615,000 $ 159,355 $ 77,000
Montgomery, Pennsylvania 348 $ 64,817,000 $ 186,255 $ 75,000
El Paso, Colorado 347 $ 43,387,000 $ 125,034 $ 58,000
Jefferson, Kentucky 347 $ 32,446,000 $ 93,504 $ 47,000
Chesapeake, Virginia 346 $ 46,739,000 $ 135,083 $ 55,000
Chesterfield, Virginia 346 $ 42,836,000 $ 123,803 $ 55,000
Bucks, Pennsylvania 345 $ 68,257,000 $ 197,846 $ 77,000
Tarrant, Texas 339 $ 29,616,000 $ 87,362 $ 61,000
Wake, North Carolina 337 $ 40,120,000 $ 119,050 $ 69,000
Baltimore, Maryland 334 $ 47,081,000 $ 140,961 $ 46,000
Seminole, Florida 331 $ 44,521,000 $ 134,504 $ 61,000
Hartford, Connecticut 328 $ 43,136,000 $ 131,512 $ 58,000
Lane, Oregon 325 $ 36,095,000 $ 111,061 $ 63,000
Denver, Colorado 321 $ 41,205,000 $ 128,364 $ 56,000
Lehigh, Pennsylvania 320 $ 34,553,000 $ 107,978 $ 50,000
Sedgwick, Kansas 317 $ 25,426,000 $ 80,208 $ 53,000
St. Charles, Missouri 315 $ 36,664,000 $ 116,393 $ 44,000
Richland, South Carolina 315 $ 32,077,000 $ 101,831 $ 56,000
Charleston, South Carolina 314 $ 38,730,000 $ 123,343 $ 67,000
Ventura, California 311 $ 88,589,000 $ 284,852 $ 98,000
Butler, Ohio 311 $ 32,065,000 $ 103,102 $ 48,000
Anne Arundel, Maryland 308 $ 59,168,000 $ 192,103 $ 58,000
Bristol, Massachusetts 308 $ 53,626,000 $ 174,110 $ 55,000
Allen, Indiana 307 $ 29,198,000 $ 95,107 $ 56,000
Clackamas, Oregon 304 $ 42,358,000 $ 139,335 $ 72,000
Kern, California 301 $ 38,281,000 $ 127,179 $ 64,000
Osceola, Florida 299 $ 34,768,000 $ 116,280 $ 55,000
Northampton, Pennsylvania 298 $ 39,998,000 $ 134,221 $ 62,000
Adams, Colorado 295 $ 41,197,000 $ 139,650 $ 66,000
Worcester, Massachusetts 295 $ 50,434,000 $ 170,962 $ 57,000
DeSoto, Mississippi 291 $ 33,372,000 $ 114,680 $ 61,000
Suffolk, New York 291 $ 67,653,000 $ 232,484 $ 78,000
Volusia, Florida 290 $ 32,988,000 $ 113,751 $ 56,000
Lake, Illinois 287 $ 42,087,000 $ 146,644 $ 67,000
New Haven, Connecticut 282 $ 43,956,000 $ 155,872 $ 67,000
Johnson, Kansas 273 $ 35,412,000 $ 129,714 $ 65,000
Polk, Iowa 272 $ 23,432,000 $ 86,147 $ 28,000
Guilford, North Carolina 270 $ 27,197,000 $ 100,729 $ 55,000
Brevard, Florida 267 $ 32,652,000 $ 122,292 $ 53,000
Bernalillo, New Mexico 265 $ 30,808,000 $ 116,256 $ 56,000
Greenville, South Carolina 264 $ 25,968,000 $ 98,363 $ 51,000
Jefferson, Colorado 263 $ 39,858,000 $ 151,551 $ 71,000
Pasco, Florida 261 $ 27,165,000 $ 104,080 $ 58,000
Delaware, Pennsylvania 258 $ 35,663,000 $ 138,228 $ 62,000
Camden, New Jersey 256 $ 36,227,000 $ 141,511 $ 72,000
Ada, Idaho 255 $ 24,294,000 $ 95,270 $ 49,000
Lake, Indiana 255 $ 25,027,000 $ 98,145 $ 50,000
Burlington, New Jersey 255 $ 42,791,000 $ 167,807 $ 72,000
Westmoreland, Pennsylvania 254 $ 25,963,000 $ 102,216 $ 46,000
Lorain, Ohio 252 $ 25,579,000 $ 101,503 $ 49,000
Ocean, New Jersey 251 $ 48,982,000 $ 195,147 $ 77,000
Essex, New Jersey 247 $ 52,646,000 $ 213,141 $ 87,000
Solano, California 244 $ 57,857,000 $ 237,118 $ 79,000
Fort Bend, Texas 244 $ 29,985,000 $ 122,889 $ 70,000
Montgomery, Ohio 243 $ 22,998,000 $ 94,641 $ 40,000
Essex, Massachusetts 241 $ 48,765,000 $ 202,344 $ 63,000
Kane, Illinois 238 $ 32,657,000 $ 137,214 $ 53,000
Chester, Pennsylvania 238 $ 43,551,000 $ 182,987 $ 77,000
Polk, Florida 237 $ 22,052,000 $ 93,046 $ 50,000
Madison, Illinois 236 $ 21,422,000 $ 90,771 $ 37,000
Stark, Ohio 235 $ 22,751,000 $ 96,812 $ 35,000
Washington, Minnesota 232 $ 36,449,000 $ 157,107 $ 52,000
Tulare, California 230 $ 29,778,000 $ 129,469 $ 71,000
Lackawanna, Pennsylvania 226 $ 22,286,000 $ 98,610 $ 51,000
Norfolk, Virginia 226 $ 23,681,000 $ 104,783 $ 45,000
York, Pennsylvania 224 $ 27,556,000 $ 123,017 $ 58,000
Henrico, Virginia 224 $ 27,134,000 $ 121,133 $ 49,000
Lancaster, Pennsylvania 222 $ 26,269,000 $ 118,328 $ 54,000
Gaston, North Carolina 219 $ 20,159,000 $ 92,050 $ 55,000
York, South Carolina 218 $ 24,034,000 $ 110,247 $ 51,000
Clayton, Georgia 217 $ 21,189,000 $ 97,645 $ 47,000
Middlesex, Massachusetts 216 $ 49,825,000 $ 230,671 $ 71,000
Forsyth, North Carolina 216 $ 19,995,000 $ 92,569 $ 47,000
Clay, Missouri 212 $ 21,953,000 $ 103,551 $ 54,000
Philadelphia, Pennsylvania 212 $ 29,594,000 $ 139,594 $ 66,000
Hamilton, Indiana 211 $ 30,812,000 $ 146,028 $ 82,000
Lake, Ohio 211 $ 21,091,000 $ 99,957 $ 48,000
Wright, Minnesota 209 $ 29,923,000 $ 143,172 $ 50,000
Oklahoma, Oklahoma 208 $ 16,602,000 $ 79,817 $ 44,000
Plymouth, Massachusetts 203 $ 42,958,000 $ 211,615 $ 56,000
Spotsylvania, Virginia 203 $ 34,973,000 $ 172,280 $ 64,000
Madera, California 202 $ 32,773,000 $ 162,242 $ 74,000
Rutherford, Tennessee 202 $ 20,063,000 $ 99,321 $ 47,000
Collier, Florida 201 $ 32,067,000 $ 159,537 $ 67,000
Tulsa, Oklahoma 198 $ 18,226,000 $ 92,050 $ 50,000
Utah, Utah 196 $ 22,122,000 $ 112,867 $ 57,000
Placer, California 195 $ 48,412,000 $ 248,266 $ 88,000
Scott, Iowa 194 $ 14,993,000 $ 77,283 $ 27,000
Union, North Carolina 192 $ 24,103,000 $ 125,536 $ 69,000
Bradley, Tennessee 192 $ 17,182,000 $ 89,489 $ 50,000
Kitsap, Washington 191 $ 24,731,000 $ 129,481 $ 64,000
St. Clair, Illinois 188 $ 17,135,000 $ 91,143 $ 38,000
Waukesha, Wisconsin 188 $ 27,752,000 $ 147,617 $ 54,000
Suffolk, Massachusetts 187 $ 46,185,000 $ 246,978 $ 95,000
Thurston, Washington 185 $ 23,087,000 $ 124,794 $ 60,000
Charles, Maryland 182 $ 32,948,000 $ 181,032 $ 56,000
Loudoun, Virginia 182 $ 42,934,000 $ 235,901 $ 72,000
Collin, Texas 181 $ 24,401,000 $ 134,812 $ 89,000
Scott, Minnesota 179 $ 27,288,000 $ 152,446 $ 64,000
Union, New Jersey 178 $ 40,175,000 $ 225,702 $ 86,000
St. Louis City, Missouri 176 $ 16,420,000 $ 93,295 $ 27,000
St. Lucie, Florida 174 $ 22,912,000 $ 131,678 $ 60,000
Cherokee, Georgia 173 $ 23,604,000 $ 136,439 $ 63,000
Erie, New York 172 $ 13,127,000 $ 76,319 $ 44,000
Monmouth, New Jersey 170 $ 39,493,000 $ 232,311 $ 98,000
Denton, Texas 170 $ 19,552,000 $ 115,011 $ 79,000
Frederick, Maryland 169 $ 29,394,000 $ 173,928 $ 44,000
Ingham, Michigan 169 $ 16,819,000 $ 99,520 $ 41,000
Nassau, New York 169 $ 42,786,000 $ 253,171 $ 78,000
Warren, Ohio 168 $ 21,074,000 $ 125,440 $ 50,000
Fayette, Kentucky 166 $ 14,587,000 $ 87,873 $ 46,000
Linn, Oregon 165 $ 14,360,000 $ 87,030 $ 53,000
Kenton, Kentucky 164 $ 14,826,000 $ 90,402 $ 49,000
Sherburne, Minnesota 164 $ 22,571,000 $ 137,628 $ 46,000
Buncombe, North Carolina 164 $ 19,410,000 $ 118,353 $ 59,000
Catawba, North Carolina 164 $ 14,154,000 $ 86,304 $ 48,000
Horry, South Carolina 164 $ 19,038,000 $ 116,085 $ 69,000
Dane, Wisconsin 164 $ 21,191,000 $ 129,213 $ 56,000
Douglas, Colorado 163 $ 27,668,000 $ 169,742 $ 91,000
Durham, North Carolina 163 $ 17,456,000 $ 107,092 $ 64,000
Dauphin, Pennsylvania 162 $ 16,710,000 $ 103,148 $ 54,000
Howard, Indiana 161 $ 15,589,000 $ 96,826 $ 55,000
Passaic, New Jersey 161 $ 38,761,000 $ 240,751 $ 86,000
Fairfield, Connecticut 160 $ 36,739,000 $ 229,618 $ 73,000
Johnson, Indiana 160 $ 18,055,000 $ 112,843 $ 54,000
Linn, Iowa 160 $ 13,734,000 $ 85,837 $ 24,000
Berks, Pennsylvania 160 $ 20,656,000 $ 129,100 $ 60,000
Clermont, Ohio 158 $ 17,460,000 $ 110,506 $ 40,000
Newport News, Virginia 158 $ 14,891,000 $ 94,246 $ 42,000
Lake, Florida 157 $ 19,591,000 $ 124,783 $ 57,000
Elkhart, Indiana 157 $ 14,751,000 $ 93,955 $ 42,000
Ottawa, Michigan 157 $ 17,542,000 $ 111,732 $ 52,000
Weld, Colorado 156 $ 21,331,000 $ 136,737 $ 60,000
Hendricks, Indiana 156 $ 19,909,000 $ 127,621 $ 62,000
Kings, New York 154 $ 39,775,000 $ 258,279 $ 77,000
Hampton, Virginia 154 $ 17,032,000 $ 110,597 $ 52,000
Queens, New York 153 $ 42,184,000 $ 275,712 $ 78,000
Bergen, New Jersey 152 $ 43,469,000 $ 285,980 $ 95,000
Portsmouth, Virginia 149 $ 14,539,000 $ 97,577 $ 46,000
Stafford, Virginia 148 $ 31,397,000 $ 212,141 $ 80,000
Middlesex, New Jersey 147 $ 34,457,000 $ 234,401 $ 79,000
Spartanburg, South Carolina 147 $ 12,064,000 $ 82,068 $ 48,000
Bexar, Texas 147 $ 14,096,000 $ 95,891 $ 60,000
Cabarrus, North Carolina 146 $ 15,812,000 $ 108,301 $ 56,000
Jefferson, Missouri 145 $ 15,421,000 $ 106,351 $ 15,000
Gloucester, New Jersey 145 $ 23,232,000 $ 160,220 $ 73,000
Marion, Florida 144 $ 12,272,000 $ 85,222 $ 42,000
Kent, Rhode Island 144 $ 24,418,000 $ 169,569 $ 61,000
Suffolk, Virginia 144 $ 18,157,000 $ 126,090 $ 52,000
Kalamazoo, Michigan 143 $ 15,017,000 $ 105,013 $ 34,000
Henry, Georgia 142 $ 18,600,000 $ 130,985 $ 67,000
McHenry, Illinois 142 $ 21,728,000 $ 153,014 $ 60,000
Kent, Delaware 141 $ 16,904,000 $ 119,886 $ 53,000
St. Joseph, Indiana 141 $ 12,350,000 $ 87,588 $ 45,000
Caddo, Louisiana 140 $ 11,307,000 $ 80,764 $ 46,000
Blount, Tennessee 140 $ 12,888,000 $ 92,057 $ 45,000
Hudson, New Jersey 139 $ 32,703,000 $ 235,273 $ 90,000
Cumberland, North Carolina 139 $ 11,164,000 $ 80,316 $ 50,000
Butte, California 138 $ 23,348,000 $ 169,188 $ 72,000
Lancaster, Nebraska 138 $ 13,494,000 $ 97,782 $ 54,000
Cass, North Dakota 137 $ 12,546,000 $ 91,576 $ 64,000
Canyon, Idaho 136 $ 10,441,000 $ 76,772 $ 50,000
Boone, Kentucky 136 $ 14,749,000 $ 108,448 $ 53,000
Monroe, Indiana 135 $ 14,500,000 $ 107,407 $ 65,000
Atlantic, New Jersey 135 $ 22,958,000 $ 170,059 $ 74,000
Sumner, Tennessee 133 $ 14,606,000 $ 109,819 $ 60,000
Butler, Pennsylvania 131 $ 16,357,000 $ 124,862 $ 52,000
San Mateo, California 130 $ 45,768,000 $ 352,061 $ 111,000
Shasta, California 130 $ 18,422,000 $ 141,707 $ 64,000
Cumberland, Pennsylvania 130 $ 15,520,000 $ 119,384 $ 60,000
Rock Island, Illinois 129 $ 9,956,000 $ 77,178 $ 35,000
Escambia, Florida 128 $ 11,892,000 $ 92,906 $ 59,000
Paulding, Georgia 128 $ 14,156,000 $ 110,593 $ 60,000
Calaveras, California 127 $ 24,993,000 $ 196,795 $ 76,000
Vanderburgh, Indiana 127 $ 10,200,000 $ 80,314 $ 40,000
Harford, Maryland 127 $ 20,958,000 $ 165,023 $ 43,000
Racine, Wisconsin 127 $ 14,287,000 $ 112,496 $ 38,000
Windham, Connecticut 126 $ 15,805,000 $ 125,436 $ 57,000
Vigo, Indiana 126 $ 10,221,000 $ 81,119 $ 44,000
Washington, Pennsylvania 126 $ 12,931,000 $ 102,626 $ 52,000
Washtenaw, Michigan 123 $ 18,235,000 $ 148,252 $ 58,000
Hillsborough, New Hampshire 122 $ 19,564,000 $ 160,360 $ 75,000
Medina, Ohio 122 $ 15,099,000 $ 123,762 $ 51,000
Madison, Indiana 121 $ 10,233,000 $ 84,570 $ 46,000
Yavapai, Arizona 120 $ 15,804,000 $ 131,700 $ 64,000
New London, Connecticut 120 $ 17,876,000 $ 148,966 $ 79,000
Berkeley, West Virginia 120 $ 14,582,000 $ 121,516 $ 59,000
Larimer, Colorado 119 $ 15,764,000 $ 132,470 $ 56,000
Howard, Maryland 119 $ 23,399,000 $ 196,630 $ 62,000
Monroe, New York 119 $ 12,176,000 $ 102,319 $ 37,000
Blair, Pennsylvania 119 $ 10,015,000 $ 84,159 $ 39,000
Sarasota, Florida 118 $ 17,004,000 $ 144,101 $ 60,000
Columbia, Pennsylvania 118 $ 9,051,000 $ 76,703 $ 38,000
Davis, Utah 118 $ 11,981,000 $ 101,533 $ 56,000
Leon, Florida 117 $ 12,819,000 $ 109,564 $ 65,000
Wyandotte, Kansas 117 $ 10,383,000 $ 88,743 $ 39,000
Sutter, California 116 $ 17,951,000 $ 154,750 $ 62,000
Lexington, South Carolina 116 $ 12,212,000 $ 105,275 $ 55,000
Muskegon, Michigan 115 $ 9,168,000 $ 79,721 $ 32,000
Washington, Wisconsin 115 $ 16,043,000 $ 139,504 $ 56,000
Hampden, Massachusetts 114 $ 13,565,000 $ 118,991 $ 44,000
Norfolk, Massachusetts 114 $ 23,775,000 $ 208,552 $ 64,000
Calhoun, Michigan 113 $ 9,713,000 $ 85,955 $ 40,000
Livingston, Michigan 113 $ 18,649,000 $ 165,035 $ 57,000
Berkeley, South Carolina 113 $ 10,976,000 $ 97,132 $ 47,000
Sevier, Tennessee 113 $ 11,635,000 $ 102,964 $ 56,000
Mohave, Arizona 112 $ 12,496,000 $ 111,571 $ 68,000
Cleveland, North Carolina 110 $ 8,276,000 $ 75,236 $ 45,000
Morgan, Indiana 109 $ 12,526,000 $ 114,917 $ 55,000
Chisago, Minnesota 109 $ 15,144,000 $ 138,935 $ 51,000
Dorchester, South Carolina 109 $ 12,189,000 $ 111,825 $ 54,000
Monterey, California 108 $ 34,163,000 $ 316,324 $ 88,000
El Dorado, California 107 $ 28,088,000 $ 262,504 $ 92,000
Stearns, Minnesota 107 $ 11,618,000 $ 108,579 $ 41,000
Rowan, North Carolina 106 $ 9,310,000 $ 87,830 $ 53,000
Montgomery, Tennessee 106 $ 8,542,000 $ 80,584 $ 48,000
Douglas, Georgia 105 $ 13,747,000 $ 130,923 $ 62,000
Trumbull, Ohio 104 $ 9,950,000 $ 95,673 $ 36,000
Yuba, California 103 $ 13,631,000 $ 132,339 $ 53,000
Monroe, Michigan 103 $ 13,333,000 $ 129,446 $ 55,000
Broome, New York 103 $ 8,420,000 $ 81,747 $ 36,000
Williamson, Tennessee 101 $ 17,606,000 $ 174,316 $ 105,000
Weber, Utah 100 $ 10,965,000 $ 109,650 $ 65,000
Richmond City, Virginia 100 $ 9,624,000 $ 96,240 $ 41,000
Henderson, North Carolina 99 $ 10,225,000 $ 103,282 $ 54,000
Randolph, North Carolina 99 $ 8,654,000 $ 87,414 $ 51,000
Carroll, Maryland 98 $ 18,059,000 $ 184,275 $ 56,000
Raleigh, West Virginia 98 $ 9,367,000 $ 95,581 $ 40,000
St. Croix, Wisconsin 98 $ 12,376,000 $ 126,285 $ 39,000
Cumberland, Maine 97 $ 13,837,000 $ 142,649 $ 72,000
St. Louis, Minnesota 97 $ 10,431,000 $ 107,536 $ 43,000
Davidson, North Carolina 96 $ 8,956,000 $ 93,291 $ 45,000
Grant, Indiana 95 $ 8,412,000 $ 88,547 $ 46,000
Isanti, Minnesota 95 $ 12,587,000 $ 132,494 $ 48,000
Rock, Wisconsin 95 $ 8,840,000 $ 93,052 $ 31,000
Henry, Indiana 94 $ 8,017,000 $ 85,287 $ 43,000
Portage, Ohio 94 $ 10,095,000 $ 107,393 $ 44,000
Mercer, Pennsylvania 94 $ 8,946,000 $ 95,170 $ 45,000
Catoosa, Georgia 93 $ 8,439,000 $ 90,741 $ 48,000
Jackson, Michigan 93 $ 10,219,000 $ 109,881 $ 42,000
Iredell, North Carolina 93 $ 11,327,000 $ 121,795 $ 51,000
Josephine, Oregon 93 $ 11,887,000 $ 127,817 $ 53,000
Santa Rosa, Florida 92 $ 11,008,000 $ 119,652 $ 63,000
Bibb, Georgia 92 $ 8,797,000 $ 95,619 $ 51,000
Saginaw, Michigan 92 $ 7,898,000 $ 85,847 $ 41,000
Mercer, New Jersey 92 $ 15,386,000 $ 167,239 $ 70,000
Deschutes, Oregon 92 $ 10,825,000 $ 117,663 $ 74,000
Roanoke City, Virginia 92 $ 7,211,000 $ 78,380 $ 36,000
Orleans, Louisiana 91 $ 9,873,000 $ 108,494 $ 54,000
Wood, Ohio 91 $ 10,927,000 $ 120,076 $ 36,000
Clay, Florida 90 $ 10,648,000 $ 118,311 $ 59,000
Bartholomew, Indiana 90 $ 9,270,000 $ 103,000 $ 48,000
Delaware, Indiana 90 $ 8,399,000 $ 93,322 $ 47,000
Carver, Minnesota 90 $ 14,099,000 $ 156,655 $ 61,000
New Hanover, North Carolina 89 $ 9,723,000 $ 109,247 $ 60,000
Pike, Pennsylvania 89 $ 12,844,000 $ 144,314 $ 59,000
Okaloosa, Florida 88 $ 10,117,000 $ 114,965 $ 67,000
Chatham, Georgia 88 $ 10,242,000 $ 116,386 $ 57,000
Shiawassee, Michigan 88 $ 9,283,000 $ 105,488 $ 46,000
Centre, Pennsylvania 88 $ 11,072,000 $ 125,818 $ 57,000
Beaver, Pennsylvania 87 $ 8,858,000 $ 101,816 $ 57,000
Sarpy, Nebraska 86 $ 8,431,000 $ 98,034 $ 57,000
Ashtabula, Ohio 86 $ 8,133,000 $ 94,569 $ 30,000
Delaware, Ohio 86 $ 13,895,000 $ 161,569 $ 60,000
Newton, Georgia 85 $ 10,375,000 $ 122,058 $ 60,000
Licking, Ohio 85 $ 9,806,000 $ 115,364 $ 45,000
Jackson, Oregon 85 $ 11,334,000 $ 133,341 $ 64,000
Allegan, Michigan 84 $ 9,057,000 $ 107,821 $ 40,000
Mahoning, Ohio 84 $ 6,496,000 $ 77,333 $ 35,000
Brazoria, Texas 84 $ 9,286,000 $ 110,547 $ 62,000
Galveston, Texas 84 $ 7,948,000 $ 94,619 $ 53,000
Jefferson, Alabama 83 $ 7,067,000 $ 85,144 $ 47,000
Natrona, Wyoming 83 $ 7,897,000 $ 95,144 $ 39,000
Cleveland, Oklahoma 82 $ 7,052,000 $ 86,000 $ 56,000
Montgomery, Texas 82 $ 9,155,000 $ 111,646 $ 79,000
Brown, Wisconsin 82 $ 7,205,000 $ 87,865 $ 32,000
Berrien, Michigan 81 $ 9,271,000 $ 114,456 $ 45,000
Greene, Missouri 81 $ 6,726,000 $ 83,037 $ 45,000
Hernando, Florida 80 $ 8,265,000 $ 103,312 $ 40,000
Carroll, Georgia 80 $ 8,645,000 $ 108,062 $ 58,000
Clark, Ohio 79 $ 7,642,000 $ 96,734 $ 31,000
Anderson, South Carolina 79 $ 8,018,000 $ 101,493 $ 48,000
Dodge, Wisconsin 79 $ 8,093,000 $ 102,443 $ 41,000
Wilson, Tennessee 78 $ 9,054,000 $ 116,076 $ 56,000
Franklin, Pennsylvania 77 $ 7,946,000 $ 103,194 $ 47,000
Lycoming, Pennsylvania 77 $ 6,289,000 $ 81,675 $ 40,000
Eaton, Michigan 76 $ 7,197,000 $ 94,697 $ 42,000
Rockingham, New Hampshire 76 $ 13,442,000 $ 176,868 $ 77,000
Richmond, New York 76 $ 16,816,000 $ 221,263 $ 61,000
Manatee, Florida 75 $ 12,426,000 $ 165,680 $ 59,000
Lincoln, North Carolina 75 $ 7,266,000 $ 96,880 $ 52,000
Kings, California 74 $ 8,212,000 $ 110,972 $ 59,000
St. Johns, Florida 74 $ 10,943,000 $ 147,878 $ 49,000
Lawrence, Indiana 74 $ 6,620,000 $ 89,459 $ 47,000
Pottawattamie, Iowa 74 $ 6,508,000 $ 87,945 $ 28,000
Travis, Texas 74 $ 9,042,000 $ 122,189 $ 103,000
Pueblo, Colorado 73 $ 6,887,000 $ 94,342 $ 45,000
Muscogee, Georgia 73 $ 6,243,000 $ 85,520 $ 51,000
Cass, Missouri 73 $ 6,781,000 $ 92,890 $ 26,000
Haywood, North Carolina 73 $ 6,372,000 $ 87,287 $ 44,000
Fairfield, Ohio 73 $ 11,124,000 $ 152,383 $ 47,000
Outagamie, Wisconsin 73 $ 6,543,000 $ 89,630 $ 33,000
Winnebago, Wisconsin 73 $ 6,829,000 $ 93,547 $ 34,000
Beaufort, South Carolina 72 $ 9,048,000 $ 125,666 $ 59,000
Olmsted, Minnesota 71 $ 8,062,000 $ 113,549 $ 53,000
Washoe, Nevada 71 $ 11,825,000 $ 166,549 $ 70,000
Somerset, New Jersey 71 $ 18,241,000 $ 256,915 $ 94,000
Johnston, North Carolina 71 $ 7,134,000 $ 100,478 $ 49,000
Spokane, Washington 71 $ 7,541,000 $ 106,211 $ 54,000
Hall, Georgia 70 $ 9,290,000 $ 132,714 $ 56,000
Frederick, Virginia 70 $ 10,112,000 $ 144,457 $ 56,000
Forsyth, Georgia 68 $ 11,160,000 $ 164,117 $ 63,000
Clark, Indiana 68 $ 6,609,000 $ 97,191 $ 47,000
East Baton Rouge, Louisiana 68 $ 5,810,000 $ 85,441 $ 54,000
York, Maine 68 $ 10,138,000 $ 149,088 $ 57,000
Platte, Missouri 68 $ 8,121,000 $ 119,426 $ 51,000
Morris, New Jersey 68 $ 18,911,000 $ 278,102 $ 88,000
Erie, Pennsylvania 68 $ 6,475,000 $ 95,220 $ 55,000
Schuylkill, Pennsylvania 68 $ 6,279,000 $ 92,338 $ 44,000
Minnehaha, South Dakota 68 $ 5,935,000 $ 87,279 $ 57,000
Skagit, Washington 68 $ 9,210,000 $ 135,441 $ 59,000
Laramie, Wyoming 68 $ 7,772,000 $ 114,294 $ 43,000
Sussex, Delaware 67 $ 8,199,000 $ 122,373 $ 57,000
Walker, Georgia 67 $ 5,506,000 $ 82,179 $ 43,000
Lenawee, Michigan 67 $ 7,163,000 $ 106,910 $ 40,000
Sullivan, Tennessee 67 $ 4,986,000 $ 74,417 $ 43,000
Orange, New York 66 $ 11,509,000 $ 174,378 $ 61,000
Cass, Indiana 65 $ 5,182,000 $ 79,723 $ 41,000
Sullivan, Indiana 65 $ 4,327,000 $ 66,569 $ 38,000
Polk, Oregon 65 $ 7,649,000 $ 117,676 $ 60,000
Fayette, Pennsylvania 65 $ 5,788,000 $ 89,046 $ 44,000
Black Hawk, Iowa 64 $ 4,937,000 $ 77,140 $ 14,000
Montcalm, Michigan 64 $ 5,367,000 $ 83,859 $ 35,000
Crow Wing, Minnesota 64 $ 7,886,000 $ 123,218 $ 37,000
Bronx, New York 64 $ 17,038,000 $ 266,218 $ 75,000
Alamance, North Carolina 64 $ 5,516,000 $ 86,187 $ 49,000
Adams, Pennsylvania 64 $ 8,429,000 $ 131,703 $ 58,000
Greenwood, South Carolina 64 $ 4,487,000 $ 70,109 $ 45,000
Madison, Tennessee 63 $ 5,367,000 $ 85,190 $ 47,000
Roanoke, Virginia 63 $ 6,979,000 $ 110,777 $ 44,000
Kanawha, West Virginia 63 $ 5,502,000 $ 87,333 $ 45,000
Pulaski, Arkansas 62 $ 6,816,000 $ 109,935 $ 55,000
Miami, Indiana 62 $ 5,224,000 $ 84,258 $ 41,000
Campbell, Kentucky 62 $ 6,795,000 $ 109,596 $ 54,000
Cecil, Maryland 62 $ 8,715,000 $ 140,564 $ 50,000
Lapeer, Michigan 62 $ 7,572,000 $ 122,129 $ 50,000
St. Clair, Michigan 62 $ 7,849,000 $ 126,596 $ 39,000
Lowndes, Mississippi 62 $ 4,701,000 $ 75,822 $ 55,000
Franklin, Missouri 62 $ 5,884,000 $ 94,903 $ 17,000
Carbon, Pennsylvania 62 $ 6,528,000 $ 105,290 $ 46,000
Wayne, Pennsylvania 62 $ 9,084,000 $ 146,516 $ 63,000
Charlotte, Florida 61 $ 6,697,000 $ 109,786 $ 45,000
Barrow, Georgia 61 $ 6,391,000 $ 104,770 $ 62,000
Hancock, Indiana 61 $ 8,644,000 $ 141,704 $ 61,000
Baltimore City, Maryland 61 $ 6,752,000 $ 110,688 $ 42,000
Hinds, Mississippi 61 $ 4,969,000 $ 81,459 $ 41,000
Columbiana, Ohio 61 $ 5,499,000 $ 90,147 $ 25,000
Aiken, South Carolina 60 $ 5,836,000 $ 97,266 $ 53,000
Wayne, Ohio 59 $ 5,491,000 $ 93,067 $ 31,000
Kenosha, Wisconsin 59 $ 7,486,000 $ 126,881 $ 43,000
Nevada, California 58 $ 13,557,000 $ 233,741 $ 91,000
Allen, Ohio 58 $ 4,736,000 $ 81,655 $ 32,000
Northumberland, Pennsylvania 58 $ 5,045,000 $ 86,982 $ 45,000
Pennington, South Dakota 58 $ 5,474,000 $ 94,379 $ 49,000
Maury, Tennessee 58 $ 5,414,000 $ 93,344 $ 48,000
Hanover, Virginia 58 $ 7,954,000 $ 137,137 $ 47,000
Shawnee, Kansas 57 $ 4,893,000 $ 85,842 $ 32,000
Florence, South Carolina 57 $ 5,884,000 $ 103,228 $ 60,000
Boulder, Colorado 56 $ 9,176,000 $ 163,857 $ 71,000
Coweta, Georgia 56 $ 7,815,000 $ 139,553 $ 69,000
St. Tammany, Louisiana 56 $ 5,959,000 $ 106,410 $ 61,000
Yellowstone, Montana 56 $ 4,963,000 $ 88,625 $ 55,000
Litchfield, Connecticut 55 $ 9,021,000 $ 164,018 $ 68,000
Alachua, Florida 55 $ 4,512,000 $ 82,036 $ 46,000
Bay, Florida 55 $ 8,775,000 $ 159,545 $ 78,000
Walton, Georgia 55 $ 6,776,000 $ 123,200 $ 56,000
St. Mary's, Maryland 55 $ 9,786,000 $ 177,927 $ 36,000
Tuscola, Michigan 54 $ 5,034,000 $ 93,222 $ 36,000
Sussex, New Jersey 54 $ 12,007,000 $ 222,351 $ 88,000
Yolo, California 53 $ 13,253,000 $ 250,056 $ 84,000
Porter, Indiana 53 $ 6,117,000 $ 115,415 $ 48,000
Westchester, New York 53 $ 14,894,000 $ 281,018 $ 109,000
Caldwell, North Carolina 53 $ 4,012,000 $ 75,698 $ 44,000
Pitt, North Carolina 53 $ 5,394,000 $ 101,773 $ 57,000
Wilkes, North Carolina 53 $ 4,755,000 $ 89,716 $ 46,000
Darke, Ohio 53 $ 5,090,000 $ 96,037 $ 25,000
Yamhill, Oregon 53 $ 5,342,000 $ 100,792 $ 58,000
Laurens, South Carolina 53 $ 4,453,000 $ 84,018 $ 44,000
Manassas, Virginia 53 $ 11,740,000 $ 221,509 $ 66,000
San Francisco, California 52 $ 19,333,000 $ 371,788 $ 111,000
Santa Barbara, California 52 $ 13,937,000 $ 268,019 $ 76,000
Tippecanoe, Indiana 52 $ 6,677,000 $ 128,403 $ 60,000
Van Buren, Michigan 52 $ 5,934,000 $ 114,115 $ 42,000
Cochise, Arizona 51 $ 4,388,000 $ 86,039 $ 63,000
Simpson, Kentucky 51 $ 5,059,000 $ 99,196 $ 40,000
Clay, Minnesota 51 $ 4,613,000 $ 90,450 $ 39,000
Lee, Mississippi 51 $ 4,259,000 $ 83,509 $ 45,000
Benton, Oregon 51 $ 6,489,000 $ 127,235 $ 68,000
Anderson, Tennessee 51 $ 4,148,000 $ 81,333 $ 41,000
Hidalgo, Texas 51 $ 4,199,000 $ 82,333 $ 52,000
Otter Tail, Minnesota 50 $ 5,240,000 $ 104,800 $ 37,000
Rice, Minnesota 50 $ 7,400,000 $ 148,000 $ 46,000
Robertson, Tennessee 50 $ 4,266,000 $ 85,320 $ 47,000
Sheboygan, Wisconsin 50 $ 5,275,000 $ 105,500 $ 29,000
Fayette, Georgia 49 $ 10,094,000 $ 206,000 $ 94,000
Kendall, Illinois 49 $ 7,370,000 $ 150,408 $ 62,000
Bullitt, Kentucky 49 $ 4,413,000 $ 90,061 $ 49,000
Jefferson, Louisiana 49 $ 4,445,000 $ 90,714 $ 47,000
Ionia, Michigan 49 $ 4,580,000 $ 93,469 $ 35,000
Goodhue, Minnesota 49 $ 5,819,000 $ 118,755 $ 37,000
Greene, Ohio 49 $ 5,827,000 $ 118,918 $ 38,000
Hancock, Ohio 49 $ 4,401,000 $ 89,816 $ 23,000
Lynchburg, Virginia 49 $ 3,692,000 $ 75,346 $ 32,000
Washington, Arkansas 48 $ 6,459,000 $ 134,562 $ 63,000
Flagler, Florida 48 $ 6,138,000 $ 127,875 $ 59,000
Winnebago, Illinois 48 $ 4,809,000 $ 100,187 $ 40,000
Jackson, Indiana 48 $ 4,229,000 $ 88,104 $ 42,000
Montgomery, Indiana 48 $ 4,583,000 $ 95,479 $ 52,000
Noble, Indiana 48 $ 5,309,000 $ 110,604 $ 52,000
Mille Lacs, Minnesota 48 $ 5,629,000 $ 117,270 $ 38,000
Washington, Rhode Island 48 $ 9,669,000 $ 201,437 $ 92,000
Pickens, South Carolina 48 $ 4,307,000 $ 89,729 $ 43,000
Caroline, Virginia 48 $ 6,407,000 $ 133,479 $ 51,000
Warren, Virginia 48 $ 6,879,000 $ 143,312 $ 50,000
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Mortgage Loan Application Detail Totals for Decision One Mortgage in 2004

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 79,376 $9,499,610,000 $105,583 $960,000 $51,541 $1,300,000
Refinancing 77,959 $11,602,758,000 $135,687 $850,000 $54,812 $1,196,000
Home Improvement 15 $1,786,000 $137,400 $251,000 $34,100 $82,000

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 73,287 $9,511,440,000 $123,122 $850,000 $59,183 $1,300,000
Not Provided 21,453 $3,235,535,000 $133,224 $750,000 $61,591 $1,008,000
Not applicable 20,257 $2,292,558,000 $123,723 $681,000 $33,893 $264,000
Hispanic 19,395 $2,942,977,000 $117,425 $750,000 $52,595 $1,176,000
Black or African American 18,547 $2,310,078,000 $122,979 $960,000 $57,916 $1,044,000
Asian 3,174 $610,156,000 $138,782 $750,000 $63,978 $900,000
Native Hawaiian or Other Pacific Islander 755 $135,766,000 $140,810 $750,000 $65,054 $360,000
American Indian or Alaskan Native 482 $65,644,000 $117,209 $563,000 $53,930 $263,000

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) 157,347 $21,103,766,000 $122,530 $960,000 $53,346 $1,300,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2 $271,000 $135,500 $217,000 $48,000 $64,000
VA-guaranteed (Veterans Administration) 1 $117,000 $117,000 $117,000 $50,000 $50,000
FHA-insured (Federal Housing 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 70,852 $9,124,911,000 $116,297 $785,000 $56,765 $1,196,000
Loan Purchased By The Institution 26,848 $3,169,946,000 $119,895 $750,000 $43,562 $882,000
Application Denied By Financial Institution 20,810 $3,238,687,000 $138,312 $850,000 $61,145 $1,008,000
Application Approved But Not Accepted 17,281 $2,486,115,000 $136,531 $750,000 $59,680 $1,093,000
Preapproval Approved but not Accepted 11,308 $1,430,757,000 $126,000 $960,000 $63,000 $1,300,000
Application Withdrawn By Applicant 6,413 $1,001,517,000 $135,437 $800,000 $61,083 $996,000
Preapproval Denied by Financial Institution 3,838 $652,221,000 $169,000 $780,000 $71,000 $1,176,000
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
Other 19,516 $2,971,653,000 $135,291 $850,000 $62,125 $1,176,000
Credit Application Incomplete 2,298 $500,005,000 $159,042 $780,000 $71,063 $906,000
Credit History 1,211 $181,867,000 $143,441 $780,000 $56,395 $608,000
Collateral 674 $96,267,000 $150,756 $682,000 $63,292 $456,000
Debt-To-Income Ratio 474 $66,259,000 $134,000 $660,000 $45,513 $241,000
Employment History 253 $41,385,000 $160,166 $720,000 $66,500 $360,000
Unverifiable Information 217 $32,550,000 $134,645 $563,000 $62,645 $868,000
Mortgage Insurance Denied 3 $377,000 $125,000 $300,000 $324,000 $588,000
Insufficient Cash (Downpayment, Closing Cost) 2 $545,000 $272,000 $324,000 $79,000 $89,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Decision One Mortgage's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Decision One Mortgage'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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