Discover Bank Mortgage Lending & HMDA Data, 2019

In 2019, Discover Bank of Greenwood, DE reported 107,714 mortgage applications totaling $6.8 billion, up 52% from 2018. The average application was for $62,896, and applicants reported an average income of $112,488. 11% of its applications resulted in an originated loan and 73% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (3,390), New York-Jersey City-White Plains, NY-NJ (2,978) and Chicago-Naperville, IL (2,845) (applications in parentheses).

Mortgage Company & Address Discover Bank
12 Reads Way
Greenwood, DE 19950
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  
Total Number of Mortgage Applications 107,714
Total Mortgage Loan Application Amount $6,774,800,000
Average Mortgage Loan Application Amount $62,896
Highest Mortgage Loan Application Amount $395,000
Average Applicant Income $112,488
Highest Applicant Income $9,537,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Discover Bank by County in 2019

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 2,829 $ 226,695,000 $ 80,132 $ 138,000
Maricopa, Arizona 1,877 $ 114,575,000 $ 61,041 $ 113,000
Cook, Illinois 1,853 $ 115,875,000 $ 62,533 $ 113,000
Clark, Nevada 1,328 $ 82,440,000 $ 62,078 $ 101,000
Riverside, California 1,243 $ 82,805,000 $ 66,617 $ 120,000
Miami-Dade, Florida 1,188 $ 82,870,000 $ 69,755 $ 114,000
Suffolk, New York 1,123 $ 80,245,000 $ 71,455 $ 139,000
Broward, Florida 1,054 $ 72,310,000 $ 68,605 $ 112,000
San Diego, California 977 $ 77,865,000 $ 79,698 $ 143,000
Orange, California 954 $ 79,820,000 $ 83,668 $ 153,000
San Bernardino, California 889 $ 57,195,000 $ 64,336 $ 116,000
Nassau, New York 877 $ 72,755,000 $ 82,958 $ 148,000
Sacramento, California 734 $ 46,710,000 $ 63,637 $ 111,000
Palm Beach, Florida 709 $ 47,395,000 $ 66,847 $ 125,000
Orange, Florida 678 $ 43,670,000 $ 64,410 $ 112,000
Hillsborough, Florida 626 $ 39,160,000 $ 62,555 $ 106,000
Queens, New York 615 $ 53,235,000 $ 86,560 $ 132,000
Gwinnett, Georgia 584 $ 36,280,000 $ 62,123 $ 97,000
Wayne, Michigan 568 $ 32,050,000 $ 56,426 $ 88,000
Erie, New York 548 $ 31,720,000 $ 57,883 $ 112,000
Fulton, Georgia 545 $ 38,255,000 $ 70,192 $ 129,000
Salt Lake, Utah 534 $ 33,210,000 $ 62,191 $ 123,000
Oakland, Michigan 497 $ 30,755,000 $ 61,881 $ 119,000
Pinellas, Florida 494 $ 31,310,000 $ 63,380 $ 97,000
Harris, Texas 490 $ 33,870,000 $ 69,122 $ 110,000
Contra Costa, California 487 $ 37,895,000 $ 77,813 $ 151,000
King, Washington 485 $ 38,595,000 $ 79,577 $ 130,000
Franklin, Ohio 484 $ 27,280,000 $ 56,363 $ 117,000
Allegheny, Pennsylvania 481 $ 27,985,000 $ 58,180 $ 142,000
Cobb, Georgia 472 $ 28,840,000 $ 61,101 $ 116,000
Middlesex, New Jersey 466 $ 31,850,000 $ 68,347 $ 133,000
Bergen, New Jersey 464 $ 34,420,000 $ 74,181 $ 150,000
Fairfax, Virginia 454 $ 34,270,000 $ 75,484 $ 155,000
Mecklenburg, North Carolina 449 $ 27,095,000 $ 60,345 $ 119,000
Cuyahoga, Ohio 449 $ 25,095,000 $ 55,890 $ 94,000
Middlesex, Massachusetts 439 $ 33,345,000 $ 75,956 $ 142,000
Will, Illinois 438 $ 24,750,000 $ 56,506 $ 115,000
Wake, North Carolina 432 $ 26,760,000 $ 61,944 $ 134,000
Monmouth, New Jersey 428 $ 29,650,000 $ 69,275 $ 142,000
Philadelphia, Pennsylvania 427 $ 25,615,000 $ 59,988 $ 90,000
Alameda, California 417 $ 35,795,000 $ 85,839 $ 159,000
Hennepin, Minnesota 408 $ 25,130,000 $ 61,593 $ 118,000
Ocean, New Jersey 401 $ 23,495,000 $ 58,591 $ 113,000
Santa Clara, California 382 $ 38,090,000 $ 99,712 $ 177,000
San Joaquin, California 371 $ 24,185,000 $ 65,188 $ 117,000
El Paso, Colorado 370 $ 22,010,000 $ 59,486 $ 129,000
Westchester, New York 368 $ 31,150,000 $ 84,646 $ 181,000
Pierce, Washington 367 $ 22,625,000 $ 61,648 $ 110,000
Montgomery, Pennsylvania 364 $ 22,420,000 $ 61,593 $ 129,000
Worcester, Massachusetts 362 $ 22,510,000 $ 62,182 $ 113,000
Fairfield, Connecticut 361 $ 25,605,000 $ 70,927 $ 162,000
Richmond, New York 358 $ 29,110,000 $ 81,312 $ 128,000
Arapahoe, Colorado 356 $ 23,380,000 $ 65,674 $ 114,000
Lee, Florida 353 $ 22,485,000 $ 63,696 $ 94,000
Pima, Arizona 345 $ 20,725,000 $ 60,072 $ 100,000
Duval, Florida 338 $ 20,830,000 $ 61,627 $ 93,000
Hartford, Connecticut 336 $ 20,050,000 $ 59,672 $ 126,000
Brevard, Florida 335 $ 20,535,000 $ 61,298 $ 91,000
Macomb, Michigan 333 $ 18,625,000 $ 55,930 $ 93,000
DuPage, Illinois 332 $ 20,970,000 $ 63,162 $ 133,000
Pasco, Florida 328 $ 19,130,000 $ 58,323 $ 98,000
Lake, Illinois 325 $ 20,165,000 $ 62,046 $ 139,000
Ventura, California 324 $ 23,660,000 $ 73,024 $ 134,000
St. Louis, Missouri 319 $ 19,615,000 $ 61,489 $ 106,000
Essex, Massachusetts 317 $ 21,895,000 $ 69,069 $ 134,000
Kings, New York 314 $ 28,800,000 $ 91,719 $ 131,000
New Haven, Connecticut 312 $ 18,260,000 $ 58,525 $ 111,000
New Castle, Delaware 311 $ 18,005,000 $ 57,893 $ 109,000
Polk, Florida 309 $ 17,825,000 $ 57,686 $ 84,000
Shelby, Tennessee 309 $ 17,725,000 $ 57,362 $ 110,000
DeKalb, Georgia 304 $ 20,130,000 $ 66,217 $ 106,000
Fresno, California 300 $ 17,580,000 $ 58,600 $ 111,000
Seminole, Florida 295 $ 17,805,000 $ 60,355 $ 114,000
Morris, New Jersey 293 $ 20,425,000 $ 69,709 $ 155,000
Snohomish, Washington 293 $ 20,275,000 $ 69,197 $ 120,000
Marion, Indiana 290 $ 16,520,000 $ 56,965 $ 106,000
Burlington, New Jersey 288 $ 17,380,000 $ 60,347 $ 116,000
Monroe, New York 287 $ 16,025,000 $ 55,836 $ 100,000
Volusia, Florida 286 $ 16,280,000 $ 56,923 $ 80,000
Tarrant, Texas 286 $ 19,480,000 $ 68,111 $ 120,000
Bucks, Pennsylvania 281 $ 17,695,000 $ 62,971 $ 130,000
Kern, California 266 $ 15,270,000 $ 57,406 $ 108,000
Oklahoma, Oklahoma 266 $ 14,650,000 $ 55,075 $ 105,000
Douglas, Colorado 263 $ 18,715,000 $ 71,159 $ 140,000
Ada, Idaho 260 $ 15,620,000 $ 60,076 $ 105,000
Johnson, Kansas 259 $ 15,965,000 $ 61,640 $ 132,000
Dallas, Texas 257 $ 17,615,000 $ 68,540 $ 98,000
Davidson, Tennessee 256 $ 16,260,000 $ 63,515 $ 86,000
Bristol, Massachusetts 254 $ 15,980,000 $ 62,913 $ 145,000
Plymouth, Massachusetts 253 $ 18,035,000 $ 71,284 $ 129,000
Jefferson, Kentucky 251 $ 13,385,000 $ 53,326 $ 94,000
Jackson, Missouri 249 $ 13,905,000 $ 55,843 $ 109,000
Jefferson, Colorado 247 $ 16,715,000 $ 67,672 $ 126,000
Adams, Colorado 244 $ 14,450,000 $ 59,221 $ 104,000
Norfolk, Massachusetts 242 $ 17,510,000 $ 72,355 $ 141,000
Essex, New Jersey 242 $ 17,450,000 $ 72,107 $ 154,000
Union, New Jersey 241 $ 16,465,000 $ 68,319 $ 134,000
Utah, Utah 241 $ 16,305,000 $ 67,655 $ 117,000
Greenville, South Carolina 240 $ 14,410,000 $ 60,041 $ 100,000
Washington, Oregon 239 $ 16,315,000 $ 68,263 $ 120,000
Washoe, Nevada 235 $ 15,465,000 $ 65,808 $ 106,000
Orange, New York 235 $ 15,265,000 $ 64,957 $ 118,000
Placer, California 234 $ 17,750,000 $ 75,854 $ 145,000
Denver, Colorado 234 $ 17,310,000 $ 73,974 $ 111,000
Passaic, New Jersey 233 $ 15,595,000 $ 66,931 $ 135,000
Prince William, Virginia 233 $ 14,965,000 $ 64,227 $ 128,000
Solano, California 231 $ 16,035,000 $ 69,415 $ 121,000
Honolulu, Hawaii 231 $ 18,595,000 $ 80,497 $ 105,000
Loudoun, Virginia 231 $ 16,915,000 $ 73,225 $ 160,000
Kane, Illinois 230 $ 12,710,000 $ 55,260 $ 123,000
Tulsa, Oklahoma 230 $ 12,690,000 $ 55,173 $ 115,000
Sarasota, Florida 228 $ 14,760,000 $ 64,736 $ 84,000
Providence, Rhode Island 224 $ 12,620,000 $ 56,339 $ 98,000
Hamilton, Ohio 223 $ 12,655,000 $ 56,748 $ 99,000
Stanislaus, California 222 $ 13,680,000 $ 61,621 $ 112,000
Lake, Florida 220 $ 12,940,000 $ 58,818 $ 93,000
Forsyth, Georgia 220 $ 13,810,000 $ 62,772 $ 132,000
Camden, New Jersey 213 $ 11,595,000 $ 54,436 $ 109,000
Bernalillo, New Mexico 212 $ 12,300,000 $ 58,018 $ 104,000
Bexar, Texas 212 $ 13,910,000 $ 65,613 $ 122,000
Lake, Indiana 211 $ 10,555,000 $ 50,023 $ 98,000
Jefferson, Alabama 210 $ 11,730,000 $ 55,857 $ 97,000
Multnomah, Oregon 210 $ 14,200,000 $ 67,619 $ 115,000
Chester, Pennsylvania 210 $ 15,030,000 $ 71,571 $ 146,000
San Mateo, California 209 $ 21,065,000 $ 100,789 $ 184,000
Pinal, Arizona 204 $ 10,860,000 $ 53,235 $ 89,000
Hillsborough, New Hampshire 204 $ 13,020,000 $ 63,823 $ 110,000
Kent, Michigan 202 $ 11,730,000 $ 58,069 $ 94,000
Summit, Ohio 202 $ 10,520,000 $ 52,079 $ 102,000
Clackamas, Oregon 199 $ 14,045,000 $ 70,577 $ 118,000
Hampden, Massachusetts 197 $ 11,765,000 $ 59,720 $ 99,000
Somerset, New Jersey 193 $ 13,815,000 $ 71,580 $ 148,000
Clark, Washington 193 $ 11,625,000 $ 60,233 $ 108,000
Dakota, Minnesota 192 $ 10,830,000 $ 56,406 $ 117,000
McHenry, Illinois 191 $ 10,795,000 $ 56,518 $ 109,000
Delaware, Pennsylvania 191 $ 12,525,000 $ 65,575 $ 120,000
Cherokee, Georgia 190 $ 11,540,000 $ 60,736 $ 116,000
Hamilton, Indiana 186 $ 11,200,000 $ 60,215 $ 143,000
Rockingham, New Hampshire 185 $ 12,425,000 $ 67,162 $ 122,000
Knox, Tennessee 180 $ 9,590,000 $ 53,277 $ 99,000
Lancaster, Pennsylvania 178 $ 9,960,000 $ 55,955 $ 113,000
Douglas, Nebraska 177 $ 9,715,000 $ 54,887 $ 96,000
Milwaukee, Wisconsin 177 $ 9,245,000 $ 52,231 $ 101,000
St. Charles, Missouri 173 $ 9,525,000 $ 55,057 $ 122,000
Rockland, New York 172 $ 13,360,000 $ 77,674 $ 146,000
York, Pennsylvania 172 $ 9,650,000 $ 56,104 $ 110,000
Osceola, Florida 168 $ 10,680,000 $ 63,571 $ 127,000
Sedgwick, Kansas 168 $ 8,630,000 $ 51,369 $ 95,000
Charleston, South Carolina 168 $ 11,930,000 $ 71,011 $ 149,000
Horry, South Carolina 168 $ 9,490,000 $ 56,488 $ 79,000
Chesterfield, Virginia 167 $ 9,375,000 $ 56,137 $ 122,000
Collin, Texas 166 $ 12,940,000 $ 77,951 $ 134,000
Weld, Colorado 165 $ 8,905,000 $ 53,969 $ 107,000
Jefferson, Louisiana 165 $ 9,775,000 $ 59,242 $ 96,000
Hudson, New Jersey 163 $ 12,015,000 $ 73,711 $ 126,000
Lorain, Ohio 163 $ 8,035,000 $ 49,294 $ 96,000
Williamson, Tennessee 163 $ 12,255,000 $ 75,184 $ 151,000
Denton, Texas 162 $ 11,950,000 $ 73,765 $ 137,000
St. Lucie, Florida 161 $ 9,905,000 $ 61,521 $ 81,000
Davis, Utah 161 $ 9,915,000 $ 61,583 $ 117,000
Gloucester, New Jersey 160 $ 9,660,000 $ 60,375 $ 116,000
Mercer, New Jersey 158 $ 9,770,000 $ 61,835 $ 145,000
Manatee, Florida 157 $ 9,425,000 $ 60,031 $ 109,000
Onondaga, New York 156 $ 8,240,000 $ 52,820 $ 95,000
Northampton, Pennsylvania 155 $ 9,225,000 $ 59,516 $ 136,000
York, South Carolina 155 $ 8,905,000 $ 57,451 $ 104,000
Bronx, New York 152 $ 10,970,000 $ 72,171 $ 113,000
Anoka, Minnesota 151 $ 9,215,000 $ 61,026 $ 98,000
Collier, Florida 150 $ 9,920,000 $ 66,133 $ 99,000
Berks, Pennsylvania 150 $ 8,050,000 $ 53,666 $ 91,000
Hamilton, Tennessee 150 $ 8,900,000 $ 59,333 $ 117,000
Rutherford, Tennessee 150 $ 8,520,000 $ 56,800 $ 99,000
Spokane, Washington 150 $ 9,240,000 $ 61,600 $ 95,000
Guilford, North Carolina 149 $ 8,315,000 $ 55,805 $ 146,000
Virginia Beach, Virginia 149 $ 8,895,000 $ 59,697 $ 121,000
Marion, Florida 147 $ 8,305,000 $ 56,496 $ 83,000
Larimer, Colorado 146 $ 10,040,000 $ 68,767 $ 140,000
Lucas, Ohio 146 $ 7,440,000 $ 50,958 $ 83,000
Butler, Ohio 145 $ 8,235,000 $ 56,793 $ 119,000
Niagara, New York 144 $ 7,780,000 $ 54,027 $ 88,000
Montgomery, Ohio 140 $ 6,850,000 $ 48,928 $ 90,000
Lehigh, Pennsylvania 140 $ 8,370,000 $ 59,785 $ 102,000
Dutchess, New York 139 $ 8,675,000 $ 62,410 $ 115,000
Westmoreland, Pennsylvania 139 $ 7,755,000 $ 55,791 $ 90,000
District of Columbia, District Of Columbia 138 $ 10,680,000 $ 77,391 $ 149,000
Orleans, Louisiana 137 $ 8,765,000 $ 63,978 $ 104,000
Union, North Carolina 137 $ 8,695,000 $ 63,467 $ 118,000
Ramsey, Minnesota 134 $ 8,550,000 $ 63,805 $ 97,000
Genesee, Michigan 133 $ 7,125,000 $ 53,571 $ 85,000
Fort Bend, Texas 133 $ 9,645,000 $ 72,518 $ 130,000
Henry, Georgia 132 $ 7,160,000 $ 54,242 $ 90,000
Allen, Indiana 130 $ 6,980,000 $ 53,692 $ 89,000
St. Tammany, Louisiana 130 $ 7,710,000 $ 59,307 $ 123,000
Travis, Texas 128 $ 9,380,000 $ 73,281 $ 119,000
Henrico, Virginia 127 $ 7,755,000 $ 61,062 $ 98,000
Madison, Alabama 126 $ 6,730,000 $ 53,412 $ 96,000
York, Maine 126 $ 7,280,000 $ 57,777 $ 105,000
Barnstable, Massachusetts 126 $ 8,830,000 $ 70,079 $ 113,000
Washtenaw, Michigan 126 $ 7,480,000 $ 59,365 $ 109,000
Clay, Missouri 126 $ 6,450,000 $ 51,190 $ 112,000
Sonoma, California 125 $ 9,665,000 $ 77,320 $ 129,000
Cabarrus, North Carolina 125 $ 7,555,000 $ 60,440 $ 115,000
St. Johns, Florida 124 $ 8,580,000 $ 69,193 $ 127,000
Suffolk, Massachusetts 122 $ 9,220,000 $ 75,573 $ 131,000
Stark, Ohio 122 $ 5,990,000 $ 49,098 $ 81,000
Waukesha, Wisconsin 122 $ 6,900,000 $ 56,557 $ 117,000
Spartanburg, South Carolina 121 $ 6,435,000 $ 53,181 $ 90,000
Monterey, California 120 $ 9,580,000 $ 79,833 $ 132,000
Canyon, Idaho 120 $ 6,790,000 $ 56,583 $ 73,000
Paulding, Georgia 119 $ 6,195,000 $ 52,058 $ 88,000
Mobile, Alabama 117 $ 6,455,000 $ 55,170 $ 85,000
Benton, Arkansas 117 $ 6,675,000 $ 57,051 $ 118,000
Atlantic, New Jersey 117 $ 6,905,000 $ 59,017 $ 99,000
Lake, Ohio 117 $ 5,905,000 $ 50,470 $ 86,000
Marion, Oregon 117 $ 6,425,000 $ 54,914 $ 94,000
Luzerne, Pennsylvania 117 $ 6,665,000 $ 56,965 $ 94,000
Kendall, Illinois 116 $ 6,470,000 $ 55,775 $ 108,000
Delaware, Ohio 115 $ 7,485,000 $ 65,086 $ 134,000
Richland, South Carolina 115 $ 6,705,000 $ 58,304 $ 165,000
Boulder, Colorado 114 $ 9,050,000 $ 79,385 $ 125,000
East Baton Rouge, Louisiana 114 $ 6,750,000 $ 59,210 $ 137,000
Lancaster, Nebraska 113 $ 6,665,000 $ 58,982 $ 116,000
Pulaski, Arkansas 112 $ 7,340,000 $ 65,535 $ 110,000
Santa Barbara, California 111 $ 8,465,000 $ 76,261 $ 127,000
Cumberland, Maine 111 $ 6,165,000 $ 55,540 $ 100,000
Albany, New York 111 $ 6,705,000 $ 60,405 $ 102,000
Lexington, South Carolina 111 $ 5,905,000 $ 53,198 $ 86,000
Tulare, California 109 $ 6,725,000 $ 61,697 $ 107,000
Sussex, New Jersey 109 $ 6,105,000 $ 56,009 $ 120,000
Washington, Minnesota 108 $ 7,420,000 $ 68,703 $ 136,000
Hernando, Florida 107 $ 5,905,000 $ 55,186 $ 79,000
Coweta, Georgia 107 $ 5,815,000 $ 54,345 $ 101,000
Medina, Ohio 107 $ 5,675,000 $ 53,037 $ 112,000
New London, Connecticut 105 $ 6,365,000 $ 60,619 $ 112,000
Forsyth, North Carolina 105 $ 5,595,000 $ 53,285 $ 107,000
Chesapeake, Virginia 105 $ 5,795,000 $ 55,190 $ 106,000
Shelby, Alabama 104 $ 6,050,000 $ 58,173 $ 116,000
Cleveland, Oklahoma 104 $ 5,670,000 $ 54,519 $ 102,000
Charlotte, Florida 103 $ 6,165,000 $ 59,854 $ 71,000
Lane, Oregon 103 $ 5,835,000 $ 56,650 $ 90,000
St. Joseph, Indiana 102 $ 5,220,000 $ 51,176 $ 103,000
Kitsap, Washington 102 $ 6,490,000 $ 63,627 $ 104,000
Berkeley, South Carolina 101 $ 5,155,000 $ 51,039 $ 99,000
Weber, Utah 101 $ 5,675,000 $ 56,188 $ 93,000
San Francisco, California 100 $ 10,880,000 $ 108,800 $ 167,000
Chatham, Georgia 100 $ 5,840,000 $ 58,400 $ 94,000
Monroe, Pennsylvania 100 $ 5,790,000 $ 57,900 $ 89,000
El Dorado, California 99 $ 6,695,000 $ 67,626 $ 178,000
Hall, Georgia 99 $ 5,985,000 $ 60,454 $ 107,000
Mahoning, Ohio 99 $ 5,275,000 $ 53,282 $ 71,000
Merced, California 98 $ 5,900,000 $ 60,204 $ 92,000
Winnebago, Illinois 98 $ 4,900,000 $ 50,000 $ 93,000
Jefferson, Missouri 98 $ 5,080,000 $ 51,836 $ 87,000
Thurston, Washington 98 $ 6,330,000 $ 64,591 $ 118,000
Sussex, Delaware 97 $ 6,025,000 $ 62,113 $ 113,000
DeSoto, Mississippi 97 $ 5,015,000 $ 51,701 $ 88,000
Greene, Missouri 97 $ 5,355,000 $ 55,206 $ 88,000
Saratoga, New York 97 $ 5,785,000 $ 59,639 $ 127,000
Durham, North Carolina 97 $ 5,875,000 $ 60,567 $ 102,000
Indian River, Florida 96 $ 5,920,000 $ 61,666 $ 84,000
Williamson, Texas 96 $ 6,610,000 $ 68,854 $ 129,000
Baldwin, Alabama 95 $ 5,355,000 $ 56,368 $ 107,000
Yavapai, Arizona 95 $ 6,075,000 $ 63,947 $ 164,000
Martin, Florida 95 $ 6,765,000 $ 71,210 $ 121,000
Mohave, Arizona 94 $ 5,730,000 $ 60,957 $ 100,000
Madison, Illinois 94 $ 4,840,000 $ 51,489 $ 104,000
Litchfield, Connecticut 93 $ 5,975,000 $ 64,247 $ 97,000
Fayette, Kentucky 93 $ 5,885,000 $ 63,279 $ 101,000
Livingston, Michigan 93 $ 5,525,000 $ 59,408 $ 126,000
Dauphin, Pennsylvania 93 $ 5,255,000 $ 56,505 $ 90,000
San Luis Obispo, California 92 $ 6,380,000 $ 69,347 $ 146,000
Buncombe, North Carolina 92 $ 5,760,000 $ 62,608 $ 92,000
Escambia, Florida 91 $ 5,765,000 $ 63,351 $ 92,000
Hunterdon, New Jersey 91 $ 6,655,000 $ 73,131 $ 144,000
Iredell, North Carolina 91 $ 5,525,000 $ 60,714 $ 121,000
Kent, Rhode Island 91 $ 5,065,000 $ 55,659 $ 104,000
Citrus, Florida 90 $ 5,620,000 $ 62,444 $ 75,000
Flagler, Florida 90 $ 5,210,000 $ 57,888 $ 117,000
Clayton, Georgia 90 $ 5,520,000 $ 61,333 $ 72,000
Sumner, Tennessee 90 $ 5,510,000 $ 61,222 $ 123,000
Berkeley, West Virginia 90 $ 4,650,000 $ 51,666 $ 120,000
Anchorage, Alaska 89 $ 5,215,000 $ 58,595 $ 113,000
Anderson, South Carolina 89 $ 4,855,000 $ 54,550 $ 92,000
Beaufort, South Carolina 89 $ 5,635,000 $ 63,314 $ 107,000
Dane, Wisconsin 89 $ 5,765,000 $ 64,775 $ 114,000
Johnston, North Carolina 88 $ 4,680,000 $ 53,181 $ 121,000
Hawaii, Hawaii 87 $ 7,225,000 $ 83,045 $ 101,000
Hendricks, Indiana 87 $ 5,065,000 $ 58,218 $ 106,000
Alachua, Florida 86 $ 5,970,000 $ 69,418 $ 111,000
Clermont, Ohio 86 $ 4,740,000 $ 55,116 $ 106,000
Fairfield, Ohio 86 $ 4,830,000 $ 56,162 $ 116,000
Deschutes, Oregon 86 $ 5,830,000 $ 67,790 $ 108,000
Washington, Arkansas 84 $ 5,310,000 $ 63,214 $ 171,000
Kent, Delaware 83 $ 4,815,000 $ 58,012 $ 96,000
Ulster, New York 83 $ 5,535,000 $ 66,686 $ 118,000
Gaston, North Carolina 83 $ 4,375,000 $ 52,710 $ 91,000
Merrimack, New Hampshire 82 $ 4,970,000 $ 60,609 $ 105,000
Warren, Ohio 82 $ 5,070,000 $ 61,829 $ 143,000
Jackson, Oregon 81 $ 5,585,000 $ 68,950 $ 101,000
Minnehaha, South Dakota 80 $ 4,330,000 $ 54,125 $ 110,000
Clay, Florida 79 $ 4,425,000 $ 56,012 $ 106,000
Porter, Indiana 79 $ 4,335,000 $ 54,873 $ 105,000
El Paso, Texas 79 $ 4,955,000 $ 62,721 $ 114,000
Mesa, Colorado 77 $ 4,175,000 $ 54,220 $ 100,000
Pueblo, Colorado 77 $ 4,815,000 $ 62,532 $ 89,000
Columbia, Georgia 77 $ 4,625,000 $ 60,064 $ 109,000
Butte, California 76 $ 4,680,000 $ 61,578 $ 117,000
Santa Cruz, California 76 $ 6,540,000 $ 86,052 $ 122,000
Stafford, Virginia 76 $ 4,590,000 $ 60,394 $ 122,000
Ottawa, Michigan 75 $ 4,085,000 $ 54,466 $ 100,000
Cumberland, North Carolina 75 $ 4,165,000 $ 55,533 $ 142,000
Portage, Ohio 75 $ 3,675,000 $ 49,000 $ 177,000
Washington, Pennsylvania 75 $ 3,985,000 $ 53,133 $ 97,000
Johnson, Indiana 74 $ 4,420,000 $ 59,729 $ 98,000
Sarpy, Nebraska 74 $ 3,840,000 $ 51,891 $ 113,000
Schuylkill, Pennsylvania 74 $ 3,900,000 $ 52,702 $ 78,000
Douglas, Georgia 73 $ 4,115,000 $ 56,369 $ 94,000
Rankin, Mississippi 73 $ 3,985,000 $ 54,589 $ 108,000
Licking, Ohio 73 $ 3,805,000 $ 52,123 $ 89,000
Trumbull, Ohio 73 $ 3,725,000 $ 51,027 $ 73,000
Lackawanna, Pennsylvania 73 $ 4,195,000 $ 57,465 $ 97,000
Dorchester, South Carolina 73 $ 3,975,000 $ 54,452 $ 103,000
Leon, Florida 72 $ 4,470,000 $ 62,083 $ 115,000
Montgomery, Texas 72 $ 5,020,000 $ 69,722 $ 138,000
Whatcom, Washington 72 $ 4,590,000 $ 63,750 $ 114,000
Putnam, New York 71 $ 5,505,000 $ 77,535 $ 158,000
Kenosha, Wisconsin 70 $ 4,240,000 $ 60,571 $ 122,000
Yolo, California 69 $ 5,455,000 $ 79,057 $ 196,000
Middlesex, Connecticut 69 $ 4,025,000 $ 58,333 $ 120,000
St. Clair, Illinois 69 $ 3,795,000 $ 55,000 $ 97,000
Schenectady, New York 69 $ 3,475,000 $ 50,362 $ 85,000
Cumberland, Pennsylvania 69 $ 3,835,000 $ 55,579 $ 105,000
Shasta, California 68 $ 3,970,000 $ 58,382 $ 118,000
Calcasieu, Louisiana 68 $ 3,980,000 $ 58,529 $ 144,000
Warren, New Jersey 68 $ 4,570,000 $ 67,205 $ 148,000
New York, New York 68 $ 6,690,000 $ 98,382 $ 243,000
Canadian, Oklahoma 68 $ 3,720,000 $ 54,705 $ 101,000
Beaver, Pennsylvania 68 $ 3,690,000 $ 54,264 $ 83,000
Montgomery, Tennessee 68 $ 3,540,000 $ 52,058 $ 121,000
Benton, Washington 68 $ 4,240,000 $ 62,352 $ 110,000
Barrow, Georgia 67 $ 3,945,000 $ 58,880 $ 83,000
Kootenai, Idaho 67 $ 4,145,000 $ 61,865 $ 95,000
Kalamazoo, Michigan 67 $ 3,875,000 $ 57,835 $ 108,000
Butler, Pennsylvania 67 $ 4,145,000 $ 61,865 $ 116,000
Erie, Pennsylvania 67 $ 3,855,000 $ 57,537 $ 90,000
Kanawha, West Virginia 67 $ 3,595,000 $ 53,656 $ 81,000
Oneida, New York 66 $ 4,000,000 $ 60,606 $ 83,000
Rensselaer, New York 66 $ 3,640,000 $ 55,151 $ 99,000
Fayette, Georgia 65 $ 4,085,000 $ 62,846 $ 108,000
Elkhart, Indiana 64 $ 3,310,000 $ 51,718 $ 115,000
Caddo, Louisiana 64 $ 3,510,000 $ 54,843 $ 74,000
Broome, New York 64 $ 3,420,000 $ 53,437 $ 78,000
Marin, California 63 $ 6,385,000 $ 101,349 $ 226,000
Newton, Georgia 63 $ 3,955,000 $ 62,777 $ 129,000
Rockdale, Georgia 63 $ 4,245,000 $ 67,380 $ 85,000
Hinds, Mississippi 63 $ 3,345,000 $ 53,095 $ 76,000
Brunswick, North Carolina 63 $ 3,865,000 $ 61,349 $ 82,000
New Hanover, North Carolina 63 $ 3,655,000 $ 58,015 $ 101,000
Aiken, South Carolina 63 $ 3,455,000 $ 54,841 $ 93,000
Carroll, Georgia 62 $ 3,310,000 $ 53,387 $ 104,000
Boone, Kentucky 62 $ 3,020,000 $ 48,709 $ 100,000
Monroe, Michigan 62 $ 3,450,000 $ 55,645 $ 111,000
Wright, Minnesota 62 $ 3,530,000 $ 56,935 $ 109,000
Yakima, Washington 62 $ 3,280,000 $ 52,903 $ 87,000
Lee, Alabama 61 $ 3,355,000 $ 55,000 $ 93,000
Santa Rosa, Florida 61 $ 3,095,000 $ 50,737 $ 93,000
Kenton, Kentucky 61 $ 3,095,000 $ 50,737 $ 107,000
Cape May, New Jersey 61 $ 3,265,000 $ 53,524 $ 99,000
Brown, Wisconsin 61 $ 3,205,000 $ 52,540 $ 93,000
Lafayette, Louisiana 60 $ 3,830,000 $ 63,833 $ 96,000
Gallatin, Montana 60 $ 4,280,000 $ 71,333 $ 94,000
Yellowstone, Montana 60 $ 3,320,000 $ 55,333 $ 93,000
Santa Fe, New Mexico 60 $ 3,870,000 $ 64,500 $ 87,000
Shawnee, Kansas 59 $ 3,225,000 $ 54,661 $ 83,000
Harrison, Mississippi 59 $ 3,415,000 $ 57,881 $ 119,000
Laramie, Wyoming 59 $ 3,625,000 $ 61,440 $ 96,000
Madera, California 58 $ 3,200,000 $ 55,172 $ 101,000
Cass, North Dakota 58 $ 3,230,000 $ 55,689 $ 123,000
Richland, Ohio 58 $ 2,940,000 $ 50,689 $ 77,000
Wilson, Tennessee 58 $ 3,240,000 $ 55,862 $ 103,000
Washington, Utah 58 $ 3,570,000 $ 61,551 $ 94,000
Hanover, Virginia 58 $ 3,410,000 $ 58,793 $ 105,000
Ingham, Michigan 57 $ 3,155,000 $ 55,350 $ 85,000
Cumberland, New Jersey 57 $ 3,015,000 $ 52,894 $ 90,000
Jackson, Georgia 56 $ 3,420,000 $ 61,071 $ 110,000
Peoria, Illinois 56 $ 2,870,000 $ 51,250 $ 90,000
Ascension, Louisiana 56 $ 2,970,000 $ 53,035 $ 295,000
Jackson, Michigan 56 $ 3,120,000 $ 55,714 $ 81,000
Madison, Mississippi 56 $ 3,060,000 $ 54,642 $ 146,000
Strafford, New Hampshire 56 $ 3,330,000 $ 59,464 $ 118,000
Sandoval, New Mexico 56 $ 3,170,000 $ 56,607 $ 93,000
Yamhill, Oregon 56 $ 3,810,000 $ 68,035 $ 98,000
Spotsylvania, Virginia 56 $ 3,020,000 $ 53,928 $ 172,000
Okaloosa, Florida 55 $ 3,675,000 $ 66,818 $ 107,000
Sumter, Florida 55 $ 3,675,000 $ 66,818 $ 82,000
Sangamon, Illinois 55 $ 2,915,000 $ 53,000 $ 97,000
Livingston, Louisiana 55 $ 2,925,000 $ 53,181 $ 107,000
Blount, Tennessee 55 $ 3,095,000 $ 56,272 $ 86,000
Richmond City, Virginia 55 $ 3,195,000 $ 58,090 $ 84,000
Saline, Arkansas 54 $ 3,040,000 $ 56,296 $ 86,000
Houston, Georgia 54 $ 2,690,000 $ 49,814 $ 86,000
Maui, Hawaii 54 $ 4,800,000 $ 88,888 $ 120,000
Vanderburgh, Indiana 54 $ 2,760,000 $ 51,111 $ 79,000
St. Clair, Michigan 54 $ 2,510,000 $ 46,481 $ 71,000
Scott, Minnesota 54 $ 3,170,000 $ 58,703 $ 131,000
Christian, Missouri 54 $ 2,970,000 $ 55,000 $ 141,000
Lancaster, South Carolina 54 $ 3,000,000 $ 55,555 $ 93,000
Tooele, Utah 54 $ 3,100,000 $ 57,407 $ 92,000
Norfolk, Virginia 54 $ 3,440,000 $ 63,703 $ 99,000
Richmond, Georgia 53 $ 2,785,000 $ 52,547 $ 75,000
Tippecanoe, Indiana 53 $ 2,885,000 $ 54,433 $ 96,000
Olmsted, Minnesota 53 $ 2,845,000 $ 53,679 $ 106,000
Davidson, North Carolina 53 $ 3,235,000 $ 61,037 $ 89,000
Rowan, North Carolina 53 $ 3,055,000 $ 57,641 $ 90,000
Franklin, Pennsylvania 53 $ 2,565,000 $ 48,396 $ 88,000
Montgomery, Alabama 52 $ 3,000,000 $ 57,692 $ 86,000
Windham, Connecticut 52 $ 3,060,000 $ 58,846 $ 95,000
Bartow, Georgia 52 $ 2,840,000 $ 54,615 $ 92,000
McLean, Illinois 52 $ 2,740,000 $ 52,692 $ 117,000
Racine, Wisconsin 52 $ 2,820,000 $ 54,230 $ 114,000
Tolland, Connecticut 51 $ 2,785,000 $ 54,607 $ 109,000
Sherburne, Minnesota 51 $ 2,985,000 $ 58,529 $ 108,000
Cass, Missouri 51 $ 2,905,000 $ 56,960 $ 116,000
Alamance, North Carolina 51 $ 2,905,000 $ 56,960 $ 94,000
Lebanon, Pennsylvania 51 $ 2,835,000 $ 55,588 $ 106,000
Sevier, Tennessee 51 $ 3,025,000 $ 59,313 $ 92,000
Outagamie, Wisconsin 51 $ 2,475,000 $ 48,529 $ 112,000
Dona Ana, New Mexico 50 $ 2,810,000 $ 56,200 $ 95,000
Northumberland, Pennsylvania 50 $ 2,730,000 $ 54,600 $ 77,000
Walton, Georgia 49 $ 2,655,000 $ 54,183 $ 118,000
Wyandotte, Kansas 49 $ 2,735,000 $ 55,816 $ 85,000
Kennebec, Maine 49 $ 2,635,000 $ 53,775 $ 94,000
Hampshire, Massachusetts 49 $ 2,975,000 $ 60,714 $ 87,000
Muskegon, Michigan 49 $ 2,685,000 $ 54,795 $ 81,000
Pickens, South Carolina 49 $ 2,915,000 $ 59,489 $ 80,000
Hidalgo, Texas 49 $ 3,375,000 $ 68,877 $ 111,000
Nevada, California 48 $ 3,170,000 $ 66,041 $ 104,000
Bonneville, Idaho 48 $ 2,640,000 $ 55,000 $ 89,000
Terrebonne, Louisiana 48 $ 2,610,000 $ 54,375 $ 87,000
Jackson, Mississippi 48 $ 2,420,000 $ 50,416 $ 87,000
Platte, Missouri 48 $ 2,660,000 $ 55,416 $ 102,000
Missoula, Montana 48 $ 2,570,000 $ 53,541 $ 101,000
Oswego, New York 48 $ 2,590,000 $ 53,958 $ 65,000
Catawba, North Carolina 48 $ 2,660,000 $ 55,416 $ 114,000
Pike, Pennsylvania 48 $ 2,580,000 $ 53,750 $ 67,000
Alexandria, Virginia 48 $ 3,320,000 $ 69,166 $ 156,000
Arlington, Virginia 48 $ 4,410,000 $ 91,875 $ 212,000
Frederick, Virginia 48 $ 2,820,000 $ 58,750 $ 94,000
Berkshire, Massachusetts 47 $ 2,485,000 $ 52,872 $ 92,000
Sullivan, New York 47 $ 3,005,000 $ 63,936 $ 146,000
Linn, Oregon 47 $ 3,125,000 $ 66,489 $ 81,000
Jefferson, West Virginia 47 $ 2,615,000 $ 55,638 $ 120,000
Craighead, Arkansas 46 $ 2,540,000 $ 55,217 $ 108,000
Champaign, Illinois 46 $ 2,640,000 $ 57,391 $ 91,000
Madison, Indiana 46 $ 2,240,000 $ 48,695 $ 80,000
Ontario, New York 46 $ 2,700,000 $ 58,695 $ 92,000
Rogers, Oklahoma 46 $ 2,610,000 $ 56,739 $ 87,000
Bradley, Tennessee 46 $ 2,370,000 $ 51,521 $ 76,000
Washington, Wisconsin 46 $ 2,490,000 $ 54,130 $ 109,000
Napa, California 45 $ 3,895,000 $ 86,555 $ 145,000
Blair, Pennsylvania 45 $ 2,335,000 $ 51,888 $ 71,000
Fayette, Pennsylvania 45 $ 2,475,000 $ 55,000 $ 146,000
Winnebago, Wisconsin 45 $ 2,335,000 $ 51,888 $ 94,000
Whitfield, Georgia 44 $ 2,480,000 $ 56,363 $ 86,000
Clark, Indiana 44 $ 2,410,000 $ 54,772 $ 120,000
Flathead, Montana 44 $ 2,210,000 $ 50,227 $ 80,000
Columbiana, Ohio 44 $ 2,410,000 $ 54,772 $ 79,000
Pennington, South Dakota 44 $ 2,850,000 $ 64,772 $ 97,000
Cache, Utah 44 $ 2,600,000 $ 59,090 $ 109,000
Henderson, North Carolina 43 $ 2,345,000 $ 54,534 $ 95,000
Moore, North Carolina 43 $ 2,505,000 $ 58,255 $ 136,000
Onslow, North Carolina 43 $ 2,445,000 $ 56,860 $ 81,000
Washington, Rhode Island 43 $ 3,015,000 $ 70,116 $ 117,000
Monroe, Florida 42 $ 2,890,000 $ 68,809 $ 109,000
Nassau, Florida 42 $ 2,820,000 $ 67,142 $ 92,000
Muscogee, Georgia 42 $ 2,220,000 $ 52,857 $ 85,000
Boone, Missouri 42 $ 2,170,000 $ 51,666 $ 111,000
Clinton, New York 42 $ 2,460,000 $ 58,571 $ 126,000
Cambria, Pennsylvania 42 $ 2,110,000 $ 50,238 $ 76,000
Fauquier, Virginia 42 $ 2,540,000 $ 60,476 $ 117,000
Faulkner, Arkansas 41 $ 2,045,000 $ 49,878 $ 101,000
Tangipahoa, Louisiana 41 $ 2,185,000 $ 53,292 $ 78,000
Berrien, Michigan 41 $ 2,805,000 $ 68,414 $ 109,000
Stearns, Minnesota 41 $ 1,945,000 $ 47,439 $ 98,000
LaPorte, Indiana 40 $ 2,090,000 $ 52,250 $ 92,000
Allegan, Michigan 40 $ 2,210,000 $ 55,250 $ 86,000
Chautauqua, New York 40 $ 1,820,000 $ 45,500 $ 73,000
Wayne, New York 40 $ 2,360,000 $ 59,000 $ 98,000
Lincoln, North Carolina 40 $ 2,240,000 $ 56,000 $ 113,000
Tuscarawas, Ohio 40 $ 1,960,000 $ 49,000 $ 73,000
Adams, Pennsylvania 40 $ 2,920,000 $ 73,000 $ 87,000
Florence, South Carolina 40 $ 2,150,000 $ 53,750 $ 86,000
Bell, Texas 40 $ 2,910,000 $ 72,750 $ 107,000
Monongalia, West Virginia 40 $ 2,420,000 $ 60,500 $ 119,000
Highlands, Florida 39 $ 2,185,000 $ 56,025 $ 71,000
Catoosa, Georgia 39 $ 2,155,000 $ 55,256 $ 80,000
Floyd, Georgia 39 $ 2,235,000 $ 57,307 $ 80,000
Hancock, Indiana 39 $ 2,025,000 $ 51,923 $ 117,000
Bossier, Louisiana 39 $ 1,955,000 $ 50,128 $ 135,000
Douglas, Oregon 39 $ 2,825,000 $ 72,435 $ 89,000
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Mortgage Loan Application Detail Totals for Discover Bank in 2019

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
Other Purpose 60,396 $3,507,200,000 $58,000 $395,000 $111,000 $9,435,000
Home Improvement 35,338 $2,214,900,000 $62,000 $205,000 $116,000 $9,537,000
Refinancing 11,025 $962,425,000 $87,000 $355,000 $109,000 $5,811,000
Home Purchase 955 $90,275,000 $94,000 $205,000 $117,000 $850,000
Not Applicable 0 $0 $0 $0 $0 $0
Cash-out Refinancing 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 66,090 $4,038,080,000 $61,000 $205,000 $112,000 $8,500,000
Not Provided 16,227 $1,063,605,000 $65,000 $395,000 $121,000 $9,537,000
Hispanic 9,234 $575,460,000 $62,000 $205,000 $105,000 $9,435,000
Black or African American 6,732 $395,230,000 $58,000 $205,000 $93,000 $7,080,000
Asian 5,596 $431,200,000 $77,000 $205,000 $122,000 $5,000,000
American Indian or Alaskan Native 1,348 $83,640,000 $62,000 $205,000 $105,000 $5,000,000
Native Hawaiian or Other Pacific Islander 183 $13,565,000 $74,000 $205,000 $105,000 $1,320,000
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) 107,714 $6,774,800,000 $62,000 $395,000 $112,000 $9,537,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Application Denied By Financial Institution 78,890 $4,827,830,000 $61,000 $395,000 $107,000 $9,537,000
Application Withdrawn By Applicant 13,234 $882,710,000 $66,000 $205,000 $127,000 $8,551,000
Loan Originated 11,699 $794,245,000 $67,000 $205,000 $124,000 $878,000
File Closed For Incompleteness 3,517 $242,515,000 $68,000 $205,000 $123,000 $6,356,000
Application Approved But Not Accepted 374 $27,500,000 $73,000 $155,000 $129,000 $693,000
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 28,824 $1,946,970,000 $67,000 $205,000 $126,000 $8,551,000
Collateral 21,945 $1,231,685,000 $56,000 $355,000 $114,000 $8,282,000
Unverifiable Information 21,299 $1,370,285,000 $64,000 $205,000 $121,000 $9,537,000
Credit History 18,526 $1,055,430,000 $56,000 $205,000 $100,000 $9,435,000
Debt-To-Income Ratio 11,504 $776,570,000 $67,000 $205,000 $72,000 $1,100,000
Other 2,761 $199,745,000 $72,000 $205,000 $121,000 $3,019,000
Credit Application Incomplete 2,729 $185,325,000 $67,000 $395,000 $133,000 $7,800,000
Employment History 126 $8,790,000 $69,000 $205,000 $47,000 $350,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Discover Bank's 2019 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 Discover 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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