Discover Bank Mortgage Lending & HMDA Data, 2022

In 2022, Discover Bank of Greenwood, DE reported 163,101 mortgage applications totaling $15.0 billion, up 36% from 2021. The average application was for $91,789, and applicants reported an average income of $127,996. 12% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (5,416), Houston-The Woodlands-Sugar Land, TX (3,903) and Phoenix-Mesa-Scottsdale, AZ (3,548) (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 163,101
Total Mortgage Loan Application Amount $14,970,975,000
Average Mortgage Loan Application Amount $91,789
Highest Mortgage Loan Application Amount $305,000
Average Applicant Income $127,996
Highest Applicant Income $9,927,000

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Act (HMDA) records Discover Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 3,126 $ 313,680,000 $ 100,345 $ 135,000
Los Angeles, California 2,921 $ 358,285,000 $ 122,658 $ 174,000
Harris, Texas 2,221 $ 213,175,000 $ 95,981 $ 131,000
Clark, Nevada 2,182 $ 203,580,000 $ 93,299 $ 131,000
Cook, Illinois 2,129 $ 192,695,000 $ 90,509 $ 130,000
Riverside, California 1,609 $ 156,035,000 $ 96,976 $ 139,000
Broward, Florida 1,555 $ 157,175,000 $ 101,077 $ 132,000
Miami-Dade, Florida 1,472 $ 153,260,000 $ 104,116 $ 142,000
San Diego, California 1,462 $ 177,120,000 $ 121,149 $ 179,000
Tarrant, Texas 1,271 $ 121,205,000 $ 95,361 $ 128,000
Suffolk, New York 1,267 $ 134,025,000 $ 105,781 $ 162,000
Palm Beach, Florida 1,254 $ 124,070,000 $ 98,939 $ 128,000
Hillsborough, Florida 1,251 $ 120,855,000 $ 96,606 $ 130,000
San Bernardino, California 1,148 $ 108,350,000 $ 94,381 $ 127,000
Orange, California 1,141 $ 150,145,000 $ 131,590 $ 193,000
Dallas, Texas 1,096 $ 111,490,000 $ 101,724 $ 125,000
Orange, Florida 1,024 $ 102,300,000 $ 99,902 $ 131,000
Collin, Texas 1,024 $ 116,440,000 $ 113,710 $ 162,000
Gwinnett, Georgia 965 $ 99,005,000 $ 102,595 $ 121,000
Bexar, Texas 954 $ 86,320,000 $ 90,482 $ 120,000
Nassau, New York 918 $ 110,230,000 $ 120,076 $ 180,000
Sacramento, California 862 $ 83,230,000 $ 96,554 $ 136,000
Wayne, Michigan 856 $ 62,110,000 $ 72,558 $ 100,000
Denton, Texas 834 $ 91,560,000 $ 109,784 $ 163,000
Fulton, Georgia 785 $ 82,265,000 $ 104,796 $ 168,000
Wake, North Carolina 770 $ 77,290,000 $ 100,376 $ 153,000
Pinellas, Florida 748 $ 75,270,000 $ 100,628 $ 123,000
Oakland, Michigan 705 $ 63,785,000 $ 90,475 $ 139,000
Pasco, Florida 692 $ 63,530,000 $ 91,806 $ 115,000
Monmouth, New Jersey 689 $ 71,725,000 $ 104,100 $ 183,000
Mecklenburg, North Carolina 689 $ 65,945,000 $ 95,711 $ 134,000
Cobb, Georgia 686 $ 68,960,000 $ 100,524 $ 134,000
Franklin, Ohio 681 $ 60,155,000 $ 88,333 $ 114,000
Fort Bend, Texas 678 $ 70,580,000 $ 104,100 $ 141,000
Ocean, New Jersey 677 $ 60,435,000 $ 89,268 $ 130,000
Travis, Texas 666 $ 85,730,000 $ 128,723 $ 167,000
King, Washington 655 $ 81,705,000 $ 124,740 $ 179,000
Cuyahoga, Ohio 647 $ 48,905,000 $ 75,587 $ 119,000
Allegheny, Pennsylvania 622 $ 47,800,000 $ 76,848 $ 114,000
Bergen, New Jersey 615 $ 66,705,000 $ 108,463 $ 178,000
Polk, Florida 613 $ 52,325,000 $ 85,358 $ 99,000
Salt Lake, Utah 613 $ 62,175,000 $ 101,427 $ 126,000
Lee, Florida 612 $ 57,270,000 $ 93,578 $ 109,000
Middlesex, New Jersey 609 $ 60,605,000 $ 99,515 $ 153,000
Contra Costa, California 602 $ 74,030,000 $ 122,973 $ 212,000
Duval, Florida 601 $ 53,075,000 $ 88,311 $ 109,000
Fairfax, Virginia 601 $ 64,895,000 $ 107,978 $ 178,000
Philadelphia, Pennsylvania 590 $ 50,780,000 $ 86,067 $ 112,000
Erie, New York 589 $ 49,825,000 $ 84,592 $ 115,000
Fairfield, Connecticut 578 $ 63,860,000 $ 110,484 $ 187,000
Pima, Arizona 563 $ 48,685,000 $ 86,474 $ 110,000
Will, Illinois 562 $ 45,970,000 $ 81,797 $ 132,000
DuPage, Illinois 534 $ 46,760,000 $ 87,565 $ 144,000
Marion, Indiana 529 $ 38,245,000 $ 72,296 $ 97,000
El Paso, Colorado 525 $ 49,955,000 $ 95,152 $ 127,000
Middlesex, Massachusetts 525 $ 60,075,000 $ 114,428 $ 171,000
Hartford, Connecticut 522 $ 44,180,000 $ 84,636 $ 123,000
Williamson, Texas 517 $ 62,025,000 $ 119,970 $ 164,000
Brevard, Florida 508 $ 45,810,000 $ 90,177 $ 108,000
Montgomery, Texas 506 $ 47,430,000 $ 93,735 $ 150,000
Volusia, Florida 504 $ 44,400,000 $ 88,095 $ 95,000
Worcester, Massachusetts 501 $ 45,415,000 $ 90,648 $ 130,000
New Haven, Connecticut 500 $ 43,650,000 $ 87,300 $ 119,000
Montgomery, Pennsylvania 500 $ 48,950,000 $ 97,900 $ 139,000
DeKalb, Georgia 497 $ 48,515,000 $ 97,615 $ 129,000
New Castle, Delaware 492 $ 44,230,000 $ 89,898 $ 133,000
Queens, New York 486 $ 63,380,000 $ 130,411 $ 152,000
Pierce, Washington 484 $ 47,650,000 $ 98,450 $ 153,000
Camden, New Jersey 470 $ 35,980,000 $ 76,553 $ 122,000
Arapahoe, Colorado 469 $ 44,225,000 $ 94,296 $ 134,000
Shelby, Tennessee 465 $ 39,165,000 $ 84,225 $ 110,000
Lake, Illinois 462 $ 41,540,000 $ 89,913 $ 155,000
Alameda, California 460 $ 64,910,000 $ 141,108 $ 207,000
Hennepin, Minnesota 459 $ 41,455,000 $ 90,315 $ 122,000
Bucks, Pennsylvania 455 $ 42,065,000 $ 92,450 $ 149,000
Burlington, New Jersey 452 $ 37,100,000 $ 82,079 $ 133,000
Macomb, Michigan 450 $ 34,080,000 $ 75,733 $ 110,000
Loudoun, Virginia 441 $ 49,575,000 $ 112,414 $ 191,000
Westchester, New York 439 $ 51,305,000 $ 116,867 $ 214,000
Prince William, Virginia 433 $ 42,335,000 $ 97,771 $ 157,000
Plymouth, Massachusetts 425 $ 38,835,000 $ 91,376 $ 137,000
Pinal, Arizona 422 $ 35,910,000 $ 85,094 $ 117,000
St. Louis, Missouri 420 $ 35,620,000 $ 84,809 $ 125,000
San Joaquin, California 418 $ 38,960,000 $ 93,205 $ 145,000
Ventura, California 418 $ 46,040,000 $ 110,143 $ 168,000
Kern, California 405 $ 37,135,000 $ 91,691 $ 127,000
Seminole, Florida 402 $ 37,560,000 $ 93,432 $ 117,000
Santa Clara, California 398 $ 61,440,000 $ 154,371 $ 236,000
Essex, New Jersey 398 $ 42,510,000 $ 106,809 $ 169,000
Monroe, New York 396 $ 30,910,000 $ 78,055 $ 108,000
Snohomish, Washington 393 $ 41,785,000 $ 106,323 $ 144,000
Adams, Colorado 390 $ 31,440,000 $ 80,615 $ 127,000
Lake, Florida 390 $ 34,550,000 $ 88,589 $ 117,000
El Paso, Texas 380 $ 30,790,000 $ 81,026 $ 107,000
Jefferson, Kentucky 379 $ 28,635,000 $ 75,554 $ 104,000
Fresno, California 377 $ 34,735,000 $ 92,135 $ 133,000
Tulsa, Oklahoma 376 $ 30,910,000 $ 82,207 $ 108,000
Jackson, Missouri 373 $ 30,385,000 $ 81,461 $ 102,000
Douglas, Colorado 372 $ 37,070,000 $ 99,650 $ 169,000
Davidson, Tennessee 372 $ 35,820,000 $ 96,290 $ 121,000
Horry, South Carolina 371 $ 29,425,000 $ 79,312 $ 93,000
Sarasota, Florida 369 $ 37,245,000 $ 100,934 $ 117,000
Forsyth, Georgia 368 $ 38,770,000 $ 105,353 $ 157,000
Greenville, South Carolina 367 $ 30,485,000 $ 83,065 $ 107,000
Morris, New Jersey 364 $ 37,260,000 $ 102,362 $ 179,000
Chesterfield, Virginia 364 $ 30,370,000 $ 83,434 $ 126,000
Essex, Massachusetts 361 $ 34,895,000 $ 96,662 $ 144,000
Union, New Jersey 360 $ 37,090,000 $ 103,027 $ 158,000
Kane, Illinois 356 $ 27,820,000 $ 78,146 $ 135,000
Oklahoma, Oklahoma 354 $ 30,280,000 $ 85,536 $ 118,000
Summit, Ohio 349 $ 27,545,000 $ 78,925 $ 116,000
Bristol, Massachusetts 347 $ 30,695,000 $ 88,458 $ 125,000
Cherokee, Georgia 346 $ 32,410,000 $ 93,670 $ 131,000
Lake, Indiana 342 $ 25,810,000 $ 75,467 $ 111,000
Jefferson, Colorado 339 $ 32,845,000 $ 96,887 $ 148,000
St. Lucie, Florida 339 $ 30,535,000 $ 90,073 $ 104,000
Gloucester, New Jersey 334 $ 27,360,000 $ 81,916 $ 129,000
Providence, Rhode Island 332 $ 26,730,000 $ 80,512 $ 118,000
Washoe, Nevada 330 $ 33,520,000 $ 101,575 $ 131,000
Hamilton, Ohio 330 $ 24,640,000 $ 74,666 $ 104,000
Delaware, Pennsylvania 330 $ 29,370,000 $ 89,000 $ 133,000
Johnson, Kansas 326 $ 31,190,000 $ 95,674 $ 152,000
Osceola, Florida 324 $ 29,100,000 $ 89,814 $ 108,000
Norfolk, Massachusetts 324 $ 35,430,000 $ 109,351 $ 167,000
Manatee, Florida 323 $ 31,335,000 $ 97,012 $ 130,000
Orange, New York 319 $ 29,985,000 $ 93,996 $ 139,000
Bernalillo, New Mexico 318 $ 29,070,000 $ 91,415 $ 127,000
Richmond, New York 318 $ 35,270,000 $ 110,911 $ 147,000
Weld, Colorado 314 $ 26,700,000 $ 85,031 $ 139,000
Knox, Tennessee 311 $ 28,105,000 $ 90,369 $ 122,000
Denver, Colorado 307 $ 32,155,000 $ 104,739 $ 147,000
Multnomah, Oregon 306 $ 29,980,000 $ 97,973 $ 134,000
Kings, New York 302 $ 38,670,000 $ 128,046 $ 184,000
Passaic, New Jersey 301 $ 30,175,000 $ 100,249 $ 138,000
Chester, Pennsylvania 301 $ 30,435,000 $ 101,112 $ 161,000
Utah, Utah 298 $ 29,690,000 $ 99,630 $ 132,000
Jefferson, Alabama 297 $ 22,385,000 $ 75,370 $ 113,000
Hampden, Massachusetts 297 $ 23,545,000 $ 79,276 $ 117,000
Douglas, Nebraska 293 $ 22,815,000 $ 77,866 $ 128,000
Placer, California 292 $ 30,610,000 $ 104,828 $ 172,000
Hillsborough, New Hampshire 286 $ 24,750,000 $ 86,538 $ 126,000
Washington, Oregon 284 $ 29,830,000 $ 105,035 $ 156,000
York, South Carolina 284 $ 27,290,000 $ 96,091 $ 144,000
Marion, Florida 283 $ 21,125,000 $ 74,646 $ 93,000
Solano, California 282 $ 26,610,000 $ 94,361 $ 150,000
Somerset, New Jersey 279 $ 28,925,000 $ 103,673 $ 185,000
St. Charles, Missouri 278 $ 24,810,000 $ 89,244 $ 125,000
St. Johns, Florida 273 $ 26,905,000 $ 98,553 $ 172,000
Virginia Beach, Virginia 273 $ 22,495,000 $ 82,399 $ 123,000
Berks, Pennsylvania 265 $ 21,295,000 $ 80,358 $ 97,000
McHenry, Illinois 264 $ 21,580,000 $ 81,742 $ 125,000
Henry, Georgia 263 $ 24,325,000 $ 92,490 $ 111,000
Rutherford, Tennessee 263 $ 24,385,000 $ 92,718 $ 107,000
Bell, Texas 260 $ 20,980,000 $ 80,692 $ 109,000
Butler, Ohio 255 $ 20,795,000 $ 81,549 $ 116,000
Madison, Alabama 254 $ 22,550,000 $ 88,779 $ 118,000
York, Pennsylvania 253 $ 19,265,000 $ 76,146 $ 103,000
Rockingham, New Hampshire 252 $ 25,350,000 $ 100,595 $ 148,000
Kent, Michigan 250 $ 20,160,000 $ 80,640 $ 117,000
Honolulu, Hawaii 245 $ 29,665,000 $ 121,081 $ 142,000
Ada, Idaho 244 $ 24,840,000 $ 101,803 $ 134,000
Northampton, Pennsylvania 244 $ 18,930,000 $ 77,581 $ 134,000
Dakota, Minnesota 242 $ 21,790,000 $ 90,041 $ 132,000
Stanislaus, California 241 $ 21,635,000 $ 89,771 $ 124,000
Charleston, South Carolina 241 $ 23,185,000 $ 96,203 $ 149,000
Milwaukee, Wisconsin 241 $ 17,145,000 $ 71,141 $ 102,000
Hamilton, Indiana 240 $ 22,250,000 $ 92,708 $ 152,000
Atlantic, New Jersey 240 $ 20,650,000 $ 86,041 $ 104,000
Spartanburg, South Carolina 239 $ 18,795,000 $ 78,640 $ 112,000
Sedgwick, Kansas 237 $ 18,355,000 $ 77,447 $ 105,000
Hamilton, Tennessee 237 $ 21,415,000 $ 90,358 $ 105,000
Hidalgo, Texas 234 $ 19,850,000 $ 84,829 $ 104,000
Collier, Florida 232 $ 26,480,000 $ 114,137 $ 146,000
Guilford, North Carolina 231 $ 18,775,000 $ 81,277 $ 101,000
Hernando, Florida 230 $ 19,400,000 $ 84,347 $ 91,000
Lexington, South Carolina 230 $ 18,940,000 $ 82,347 $ 110,000
Williamson, Tennessee 230 $ 26,980,000 $ 117,304 $ 176,000
Clark, Washington 230 $ 21,870,000 $ 95,086 $ 145,000
Lehigh, Pennsylvania 229 $ 18,915,000 $ 82,598 $ 120,000
Benton, Arkansas 228 $ 21,950,000 $ 96,271 $ 121,000
Mercer, New Jersey 226 $ 21,770,000 $ 96,327 $ 142,000
Henrico, Virginia 225 $ 20,325,000 $ 90,333 $ 122,000
Union, North Carolina 224 $ 23,280,000 $ 103,928 $ 156,000
Lorain, Ohio 222 $ 16,150,000 $ 72,747 $ 109,000
Monroe, Pennsylvania 219 $ 18,695,000 $ 85,365 $ 156,000
Richland, South Carolina 217 $ 15,565,000 $ 71,728 $ 115,000
Lancaster, Pennsylvania 213 $ 17,435,000 $ 81,854 $ 115,000
DeSoto, Mississippi 212 $ 16,880,000 $ 79,622 $ 110,000
Montgomery, Ohio 210 $ 14,640,000 $ 69,714 $ 92,000
Cabarrus, North Carolina 209 $ 18,825,000 $ 90,071 $ 123,000
Jefferson, Louisiana 208 $ 19,340,000 $ 92,980 $ 115,000
Anoka, Minnesota 206 $ 17,140,000 $ 83,203 $ 117,000
Allen, Indiana 205 $ 15,315,000 $ 74,707 $ 92,000
Stark, Ohio 205 $ 15,575,000 $ 75,975 $ 92,000
Larimer, Colorado 204 $ 17,610,000 $ 86,323 $ 133,000
Dutchess, New York 203 $ 20,425,000 $ 100,615 $ 144,000
Hudson, New Jersey 202 $ 23,790,000 $ 117,772 $ 183,000
Brazoria, Texas 202 $ 18,460,000 $ 91,386 $ 172,000
Paulding, Georgia 201 $ 16,525,000 $ 82,213 $ 107,000
Lucas, Ohio 200 $ 13,680,000 $ 68,400 $ 98,000
Spokane, Washington 198 $ 17,310,000 $ 87,424 $ 112,000
Onondaga, New York 197 $ 14,695,000 $ 74,593 $ 108,000
Rockland, New York 196 $ 23,640,000 $ 120,612 $ 166,000
Berkeley, South Carolina 193 $ 16,115,000 $ 83,497 $ 124,000
Chatham, Georgia 192 $ 18,450,000 $ 96,093 $ 111,000
Chesapeake, Virginia 192 $ 15,370,000 $ 80,052 $ 123,000
Pulaski, Arkansas 190 $ 14,660,000 $ 77,157 $ 107,000
Forsyth, North Carolina 190 $ 14,630,000 $ 77,000 $ 115,000
Charlotte, Florida 189 $ 17,095,000 $ 90,449 $ 101,000
Ellis, Texas 188 $ 18,110,000 $ 96,329 $ 135,000
Sussex, Delaware 187 $ 18,015,000 $ 96,336 $ 108,000
Clackamas, Oregon 187 $ 17,465,000 $ 93,395 $ 145,000
Luzerne, Pennsylvania 186 $ 12,680,000 $ 68,172 $ 82,000
Berkeley, West Virginia 186 $ 15,120,000 $ 81,290 $ 112,000
Galveston, Texas 184 $ 18,660,000 $ 101,413 $ 134,000
Sussex, New Jersey 182 $ 13,780,000 $ 75,714 $ 138,000
Mobile, Alabama 181 $ 13,775,000 $ 76,104 $ 107,000
Lake, Ohio 179 $ 13,355,000 $ 74,608 $ 102,000
Coweta, Georgia 178 $ 15,900,000 $ 89,325 $ 116,000
Westmoreland, Pennsylvania 178 $ 14,230,000 $ 79,943 $ 115,000
Delaware, Ohio 175 $ 15,615,000 $ 89,228 $ 144,000
Kent, Rhode Island 175 $ 13,525,000 $ 77,285 $ 108,000
Stafford, Virginia 174 $ 15,190,000 $ 87,298 $ 170,000
Shelby, Alabama 173 $ 14,485,000 $ 83,728 $ 126,000
District of Columbia, District Of Columbia 173 $ 19,045,000 $ 110,086 $ 178,000
Hall, Georgia 173 $ 14,875,000 $ 85,982 $ 113,000
Johnston, North Carolina 171 $ 14,165,000 $ 82,836 $ 99,000
Hays, Texas 171 $ 18,835,000 $ 110,146 $ 145,000
St. Tammany, Louisiana 170 $ 14,500,000 $ 85,294 $ 122,000
Greene, Missouri 170 $ 13,240,000 $ 77,882 $ 127,000
Ramsey, Minnesota 169 $ 14,945,000 $ 88,431 $ 99,000
Escambia, Florida 167 $ 14,805,000 $ 88,652 $ 101,000
Washington, Minnesota 164 $ 16,670,000 $ 101,646 $ 151,000
Tulare, California 163 $ 14,525,000 $ 89,110 $ 113,000
Kent, Delaware 163 $ 14,155,000 $ 86,840 $ 114,000
New London, Connecticut 162 $ 12,740,000 $ 78,641 $ 117,000
Warren, Ohio 161 $ 13,615,000 $ 84,565 $ 122,000
Cumberland, North Carolina 160 $ 11,290,000 $ 70,562 $ 101,000
Clayton, Georgia 158 $ 12,700,000 $ 80,379 $ 79,000
Kendall, Illinois 158 $ 12,420,000 $ 78,607 $ 121,000
Clay, Missouri 158 $ 14,110,000 $ 89,303 $ 104,000
Sumner, Tennessee 158 $ 13,240,000 $ 83,797 $ 120,000
Clay, Florida 157 $ 13,585,000 $ 86,528 $ 146,000
Washtenaw, Michigan 157 $ 14,045,000 $ 89,458 $ 128,000
Cleveland, Oklahoma 157 $ 11,485,000 $ 73,152 $ 123,000
Durham, North Carolina 156 $ 16,560,000 $ 106,153 $ 126,000
Bronx, New York 155 $ 17,225,000 $ 111,129 $ 120,000
Mohave, Arizona 154 $ 14,690,000 $ 95,389 $ 85,000
Montgomery, Tennessee 154 $ 13,080,000 $ 84,935 $ 98,000
San Mateo, California 153 $ 25,255,000 $ 165,065 $ 245,000
York, Maine 153 $ 13,195,000 $ 86,241 $ 115,000
East Baton Rouge, Louisiana 152 $ 11,800,000 $ 77,631 $ 105,000
Porter, Indiana 151 $ 12,655,000 $ 83,807 $ 119,000
Thurston, Washington 151 $ 14,675,000 $ 97,185 $ 183,000
Santa Rosa, Florida 150 $ 13,390,000 $ 89,266 $ 126,000
Cumberland, Maine 150 $ 14,980,000 $ 99,866 $ 138,000
Beaufort, South Carolina 150 $ 13,880,000 $ 92,533 $ 124,000
Indian River, Florida 149 $ 14,055,000 $ 94,328 $ 94,000
Genesee, Michigan 148 $ 10,580,000 $ 71,486 $ 91,000
Waukesha, Wisconsin 148 $ 13,930,000 $ 94,121 $ 148,000
El Dorado, California 145 $ 16,585,000 $ 114,379 $ 177,000
Dorchester, South Carolina 145 $ 13,205,000 $ 91,068 $ 124,000
Davis, Utah 145 $ 14,275,000 $ 98,448 $ 114,000
Flagler, Florida 144 $ 13,050,000 $ 90,625 $ 98,000
St. Joseph, Indiana 143 $ 10,915,000 $ 76,328 $ 90,000
Iredell, North Carolina 143 $ 12,225,000 $ 85,489 $ 129,000
Medina, Ohio 143 $ 10,485,000 $ 73,321 $ 120,000
Hendricks, Indiana 141 $ 11,835,000 $ 83,936 $ 126,000
Lancaster, Nebraska 141 $ 11,465,000 $ 81,312 $ 126,000
New Hanover, North Carolina 141 $ 13,615,000 $ 96,560 $ 141,000
Weber, Utah 141 $ 12,745,000 $ 90,390 $ 111,000
Baldwin, Alabama 140 $ 13,140,000 $ 93,857 $ 112,000
Yavapai, Arizona 140 $ 13,800,000 $ 98,571 $ 123,000
Leon, Florida 140 $ 12,550,000 $ 89,642 $ 107,000
Jefferson, Missouri 140 $ 11,220,000 $ 80,142 $ 99,000
Saratoga, New York 140 $ 12,110,000 $ 86,500 $ 121,000
Gaston, North Carolina 140 $ 12,560,000 $ 89,714 $ 113,000
Nueces, Texas 140 $ 11,310,000 $ 80,785 $ 114,000
Spotsylvania, Virginia 139 $ 11,075,000 $ 79,676 $ 136,000
Monterey, California 138 $ 16,590,000 $ 120,217 $ 144,000
Barnstable, Massachusetts 138 $ 14,460,000 $ 104,782 $ 126,000
Orleans, Louisiana 137 $ 12,545,000 $ 91,569 $ 105,000
Mahoning, Ohio 135 $ 8,875,000 $ 65,740 $ 90,000
Johnson, Indiana 134 $ 11,660,000 $ 87,014 $ 122,000
Litchfield, Connecticut 133 $ 11,145,000 $ 83,796 $ 147,000
Marion, Oregon 133 $ 11,745,000 $ 88,308 $ 108,000
Citrus, Florida 132 $ 10,910,000 $ 82,651 $ 89,000
McLennan, Texas 132 $ 11,830,000 $ 89,621 $ 112,000
Albany, New York 131 $ 11,445,000 $ 87,366 $ 147,000
Anderson, South Carolina 131 $ 10,845,000 $ 82,786 $ 103,000
Canyon, Idaho 130 $ 12,210,000 $ 93,923 $ 109,000
Lane, Oregon 130 $ 12,290,000 $ 94,538 $ 99,000
Merced, California 129 $ 12,055,000 $ 93,449 $ 128,000
Niagara, New York 128 $ 10,000,000 $ 78,125 $ 91,000
Dauphin, Pennsylvania 128 $ 10,160,000 $ 79,375 $ 108,000
Washington, Pennsylvania 128 $ 9,460,000 $ 73,906 $ 95,000
Santa Barbara, California 127 $ 13,345,000 $ 105,078 $ 174,000
Sonoma, California 127 $ 12,735,000 $ 100,275 $ 178,000
Cameron, Texas 125 $ 10,525,000 $ 84,200 $ 103,000
Winnebago, Illinois 124 $ 8,950,000 $ 72,177 $ 134,000
Fayette, Kentucky 124 $ 10,830,000 $ 87,338 $ 110,000
Suffolk, Massachusetts 124 $ 13,600,000 $ 109,677 $ 135,000
Hunterdon, New Jersey 124 $ 11,880,000 $ 95,806 $ 172,000
Licking, Ohio 123 $ 10,865,000 $ 88,333 $ 97,000
Wilson, Tennessee 123 $ 11,175,000 $ 90,853 $ 131,000
Johnson, Texas 123 $ 11,105,000 $ 90,284 $ 123,000
Livingston, Michigan 122 $ 10,420,000 $ 85,409 $ 127,000
Kaufman, Texas 122 $ 9,590,000 $ 78,606 $ 108,000
Okaloosa, Florida 121 $ 11,095,000 $ 91,694 $ 99,000
Fayette, Georgia 121 $ 12,065,000 $ 99,710 $ 168,000
Comal, Texas 121 $ 12,715,000 $ 105,082 $ 151,000
Clermont, Ohio 120 $ 8,990,000 $ 74,916 $ 119,000
Cumberland, Pennsylvania 120 $ 10,680,000 $ 89,000 $ 135,000
Guadalupe, Texas 120 $ 8,530,000 $ 71,083 $ 125,000
Rockwall, Texas 120 $ 12,850,000 $ 107,083 $ 174,000
Sarpy, Nebraska 119 $ 8,655,000 $ 72,731 $ 143,000
Kitsap, Washington 119 $ 11,785,000 $ 99,033 $ 126,000
Alachua, Florida 118 $ 11,450,000 $ 97,033 $ 102,000
Martin, Florida 118 $ 11,650,000 $ 98,728 $ 136,000
Lackawanna, Pennsylvania 116 $ 8,410,000 $ 72,500 $ 103,000
Lubbock, Texas 116 $ 9,370,000 $ 80,775 $ 122,000
Douglas, Georgia 115 $ 9,985,000 $ 86,826 $ 106,000
Boone, Kentucky 115 $ 8,985,000 $ 78,130 $ 117,000
Brunswick, North Carolina 115 $ 9,875,000 $ 85,869 $ 101,000
Boulder, Colorado 114 $ 11,840,000 $ 103,859 $ 146,000
Newton, Georgia 114 $ 9,050,000 $ 79,385 $ 113,000
Portage, Ohio 114 $ 9,180,000 $ 80,526 $ 101,000
Pueblo, Colorado 112 $ 9,370,000 $ 83,660 $ 90,000
Merrimack, New Hampshire 112 $ 9,870,000 $ 88,125 $ 113,000
Buncombe, North Carolina 112 $ 11,400,000 $ 101,785 $ 102,000
San Luis Obispo, California 111 $ 11,525,000 $ 103,828 $ 164,000
Mesa, Colorado 111 $ 10,425,000 $ 93,918 $ 99,000
Ingham, Michigan 111 $ 7,955,000 $ 71,666 $ 103,000
Smith, Texas 111 $ 10,195,000 $ 91,846 $ 116,000
Shasta, California 110 $ 8,380,000 $ 76,181 $ 134,000
Columbia, Georgia 110 $ 8,440,000 $ 76,727 $ 118,000
Kenton, Kentucky 109 $ 7,395,000 $ 67,844 $ 114,000
Canadian, Oklahoma 109 $ 8,635,000 $ 79,220 $ 106,000
Yuma, Arizona 108 $ 9,180,000 $ 85,000 $ 92,000
Warren, New Jersey 108 $ 10,360,000 $ 95,925 $ 120,000
Cumberland, New Jersey 107 $ 8,105,000 $ 75,747 $ 100,000
Dane, Wisconsin 106 $ 10,730,000 $ 101,226 $ 130,000
Middlesex, Connecticut 105 $ 8,195,000 $ 78,047 $ 123,000
Windham, Connecticut 104 $ 6,700,000 $ 64,423 $ 111,000
St. Clair, Illinois 104 $ 7,390,000 $ 71,057 $ 118,000
Scott, Minnesota 104 $ 8,600,000 $ 82,692 $ 131,000
Sandoval, New Mexico 104 $ 8,690,000 $ 83,557 $ 114,000
Washington, Arkansas 103 $ 8,485,000 $ 82,378 $ 111,000
Madison, Illinois 102 $ 7,370,000 $ 72,254 $ 109,000
Yellowstone, Montana 102 $ 9,030,000 $ 88,529 $ 126,000
Minnehaha, South Dakota 102 $ 7,580,000 $ 74,313 $ 101,000
Kalamazoo, Michigan 101 $ 7,175,000 $ 71,039 $ 90,000
Tolland, Connecticut 100 $ 8,320,000 $ 83,200 $ 111,000
Trumbull, Ohio 100 $ 6,220,000 $ 62,200 $ 81,000
Parker, Texas 100 $ 11,010,000 $ 110,100 $ 146,000
Barrow, Georgia 99 $ 8,575,000 $ 86,616 $ 99,000
Jackson, Georgia 99 $ 8,085,000 $ 81,666 $ 120,000
Fairfield, Ohio 99 $ 7,165,000 $ 72,373 $ 118,000
Ottawa, Michigan 98 $ 7,720,000 $ 78,775 $ 106,000
Onslow, North Carolina 96 $ 7,210,000 $ 75,104 $ 112,000
Jackson, Oregon 96 $ 9,220,000 $ 96,041 $ 130,000
Houston, Georgia 95 $ 6,945,000 $ 73,105 $ 107,000
Walton, Georgia 95 $ 7,725,000 $ 81,315 $ 110,000
Davidson, North Carolina 95 $ 6,695,000 $ 70,473 $ 92,000
Bay, Florida 94 $ 8,970,000 $ 95,425 $ 128,000
Dona Ana, New Mexico 94 $ 8,420,000 $ 89,574 $ 97,000
Deschutes, Oregon 94 $ 9,630,000 $ 102,446 $ 132,000
Erie, Pennsylvania 94 $ 6,510,000 $ 69,255 $ 93,000
Ulster, New York 93 $ 8,565,000 $ 92,096 $ 211,000
Harrison, Mississippi 92 $ 6,660,000 $ 72,391 $ 100,000
Bibb, Georgia 91 $ 6,795,000 $ 74,670 $ 77,000
Cape May, New Jersey 91 $ 9,355,000 $ 102,802 $ 128,000
New York, New York 91 $ 13,845,000 $ 152,142 $ 222,000
Oneida, New York 90 $ 6,660,000 $ 74,000 $ 94,000
Kanawha, West Virginia 90 $ 5,880,000 $ 65,333 $ 149,000
Washington, Utah 89 $ 7,665,000 $ 86,123 $ 133,000
Hawaii, Hawaii 88 $ 8,360,000 $ 95,000 $ 117,000
Bartow, Georgia 87 $ 6,875,000 $ 79,022 $ 128,000
Richmond, Georgia 87 $ 6,305,000 $ 72,471 $ 105,000
Elkhart, Indiana 87 $ 7,035,000 $ 80,862 $ 114,000
Lafayette, Louisiana 87 $ 6,925,000 $ 79,597 $ 122,000
Brown, Wisconsin 87 $ 6,685,000 $ 76,839 $ 114,000
Racine, Wisconsin 87 $ 7,235,000 $ 83,160 $ 121,000
Hinds, Mississippi 86 $ 6,020,000 $ 70,000 $ 76,000
Christian, Missouri 86 $ 6,470,000 $ 75,232 $ 98,000
Blount, Tennessee 86 $ 6,940,000 $ 80,697 $ 112,000
Anchorage, Alaska 85 $ 7,405,000 $ 87,117 $ 123,000
Hancock, Indiana 85 $ 6,505,000 $ 76,529 $ 130,000
Schenectady, New York 85 $ 6,605,000 $ 77,705 $ 88,000
Aiken, South Carolina 85 $ 6,045,000 $ 71,117 $ 94,000
Webb, Texas 84 $ 6,220,000 $ 74,047 $ 99,000
Kootenai, Idaho 83 $ 8,675,000 $ 104,518 $ 113,000
Hampton, Virginia 83 $ 6,445,000 $ 77,650 $ 97,000
Benton, Washington 83 $ 8,005,000 $ 96,445 $ 130,000
Jefferson, West Virginia 83 $ 7,555,000 $ 91,024 $ 121,000
Livingston, Louisiana 82 $ 6,520,000 $ 79,512 $ 101,000
Rockdale, Georgia 81 $ 7,165,000 $ 88,456 $ 106,000
Monroe, Michigan 81 $ 5,485,000 $ 67,716 $ 116,000
Wright, Minnesota 81 $ 6,805,000 $ 84,012 $ 112,000
Cass, Missouri 81 $ 6,315,000 $ 77,962 $ 114,000
Butler, Pennsylvania 81 $ 7,645,000 $ 94,382 $ 131,000
San Francisco, California 80 $ 12,410,000 $ 155,125 $ 248,000
Muscogee, Georgia 80 $ 6,160,000 $ 77,000 $ 97,000
Muskegon, Michigan 80 $ 5,040,000 $ 63,000 $ 74,000
Maury, Tennessee 80 $ 6,650,000 $ 83,125 $ 109,000
Tooele, Utah 80 $ 6,450,000 $ 80,625 $ 113,000
Sumter, Florida 79 $ 7,825,000 $ 99,050 $ 99,000
Lancaster, South Carolina 79 $ 6,775,000 $ 85,759 $ 129,000
Jefferson, Texas 79 $ 6,385,000 $ 80,822 $ 88,000
Fauquier, Virginia 79 $ 7,795,000 $ 98,670 $ 171,000
Frederick, Virginia 79 $ 7,065,000 $ 89,430 $ 131,000
Bullitt, Kentucky 78 $ 5,620,000 $ 72,051 $ 107,000
Sullivan, New York 78 $ 7,560,000 $ 96,923 $ 114,000
Alamance, North Carolina 78 $ 7,220,000 $ 92,564 $ 124,000
Catawba, North Carolina 78 $ 6,840,000 $ 87,692 $ 112,000
Franklin, Pennsylvania 78 $ 6,790,000 $ 87,051 $ 95,000
Pike, Pennsylvania 78 $ 7,110,000 $ 91,153 $ 104,000
Lee, Alabama 77 $ 6,565,000 $ 85,259 $ 149,000
St. Louis, Minnesota 77 $ 5,575,000 $ 72,402 $ 101,000
Tippecanoe, Indiana 76 $ 5,240,000 $ 68,947 $ 103,000
Putnam, New York 76 $ 7,410,000 $ 97,500 $ 130,000
Richmond City, Virginia 76 $ 6,570,000 $ 86,447 $ 121,000
Madera, California 75 $ 6,345,000 $ 84,600 $ 145,000
Boone, Missouri 75 $ 6,015,000 $ 80,200 $ 129,000
Beaver, Pennsylvania 75 $ 5,395,000 $ 71,933 $ 182,000
Shawnee, Kansas 74 $ 4,700,000 $ 63,513 $ 101,000
Rensselaer, New York 74 $ 6,750,000 $ 91,216 $ 99,000
Schuylkill, Pennsylvania 74 $ 4,750,000 $ 64,189 $ 89,000
Sullivan, Tennessee 74 $ 6,100,000 $ 82,432 $ 88,000
Hanover, Virginia 74 $ 6,060,000 $ 81,891 $ 140,000
Newport News, Virginia 74 $ 6,310,000 $ 85,270 $ 104,000
Kennebec, Maine 73 $ 6,155,000 $ 84,315 $ 107,000
Cass, North Dakota 73 $ 5,785,000 $ 79,246 $ 111,000
Suffolk, Virginia 73 $ 6,735,000 $ 92,260 $ 121,000
Yakima, Washington 73 $ 6,995,000 $ 95,821 $ 104,000
Montgomery, Alabama 72 $ 5,630,000 $ 78,194 $ 86,000
Carroll, Georgia 72 $ 5,470,000 $ 75,972 $ 98,000
Clark, Indiana 72 $ 4,690,000 $ 65,138 $ 93,000
Carver, Minnesota 72 $ 6,530,000 $ 90,694 $ 156,000
Gallatin, Montana 72 $ 8,350,000 $ 115,972 $ 118,000
Lebanon, Pennsylvania 72 $ 5,410,000 $ 75,138 $ 101,000
Yolo, California 71 $ 6,935,000 $ 97,676 $ 134,000
St. Clair, Michigan 71 $ 4,875,000 $ 68,661 $ 85,000
St. Louis City, Missouri 71 $ 5,175,000 $ 72,887 $ 94,000
Santa Fe, New Mexico 71 $ 7,385,000 $ 104,014 $ 192,000
Marin, California 70 $ 11,240,000 $ 160,571 $ 224,000
Jackson, Michigan 70 $ 5,830,000 $ 83,285 $ 103,000
Platte, Missouri 70 $ 6,000,000 $ 85,714 $ 125,000
Strafford, New Hampshire 70 $ 6,360,000 $ 90,857 $ 115,000
Broome, New York 70 $ 5,290,000 $ 75,571 $ 133,000
Hunt, Texas 70 $ 5,790,000 $ 82,714 $ 112,000
Campbell, Kentucky 69 $ 4,885,000 $ 70,797 $ 145,000
Norfolk, Virginia 69 $ 5,315,000 $ 77,028 $ 110,000
Kenosha, Wisconsin 69 $ 4,945,000 $ 71,666 $ 125,000
Imperial, California 68 $ 5,700,000 $ 83,823 $ 105,000
Santa Cruz, California 68 $ 8,710,000 $ 128,088 $ 166,000
Greene, Ohio 68 $ 5,340,000 $ 78,529 $ 105,000
Butte, California 67 $ 6,285,000 $ 93,805 $ 119,000
Randolph, North Carolina 67 $ 4,225,000 $ 63,059 $ 81,000
Wood, Ohio 67 $ 4,745,000 $ 70,820 $ 106,000
Brazos, Texas 67 $ 6,495,000 $ 96,940 $ 118,000
Grayson, Texas 67 $ 6,765,000 $ 100,970 $ 118,000
Nassau, Florida 66 $ 4,860,000 $ 73,636 $ 112,000
Wyandotte, Kansas 66 $ 5,540,000 $ 83,939 $ 80,000
Berkshire, Massachusetts 66 $ 5,680,000 $ 86,060 $ 100,000
Cheshire, New Hampshire 66 $ 5,730,000 $ 86,818 $ 112,000
Washington, Tennessee 66 $ 5,140,000 $ 77,878 $ 87,000
Whatcom, Washington 66 $ 7,070,000 $ 107,121 $ 117,000
Jackson, Mississippi 65 $ 5,335,000 $ 82,076 $ 79,000
Rankin, Mississippi 65 $ 6,395,000 $ 98,384 $ 125,000
Harnett, North Carolina 65 $ 4,675,000 $ 71,923 $ 112,000
Rowan, North Carolina 65 $ 5,135,000 $ 79,000 $ 76,000
Richland, Ohio 65 $ 4,655,000 $ 71,615 $ 95,000
Arlington, Virginia 65 $ 7,965,000 $ 122,538 $ 216,000
Vanderburgh, Indiana 64 $ 4,470,000 $ 69,843 $ 84,000
Penobscot, Maine 64 $ 5,690,000 $ 88,906 $ 99,000
Rogers, Oklahoma 64 $ 5,450,000 $ 85,156 $ 108,000
Roanoke, Virginia 64 $ 5,480,000 $ 85,625 $ 95,000
Calcasieu, Louisiana 63 $ 6,655,000 $ 105,634 $ 107,000
Walton, Florida 62 $ 6,520,000 $ 105,161 $ 130,000
Maui, Hawaii 62 $ 7,480,000 $ 120,645 $ 116,000
McLean, Illinois 62 $ 4,090,000 $ 65,967 $ 117,000
Sangamon, Illinois 62 $ 3,670,000 $ 59,193 $ 113,000
Androscoggin, Maine 62 $ 4,540,000 $ 73,225 $ 103,000
Robertson, Tennessee 62 $ 5,890,000 $ 95,000 $ 109,000
Winnebago, Wisconsin 62 $ 4,390,000 $ 70,806 $ 103,000
Houston, Alabama 61 $ 4,555,000 $ 74,672 $ 76,000
Craighead, Arkansas 61 $ 5,025,000 $ 82,377 $ 83,000
Champaign, Illinois 61 $ 4,835,000 $ 79,262 $ 109,000
Madison, Indiana 61 $ 4,405,000 $ 72,213 $ 103,000
Sherburne, Minnesota 61 $ 4,695,000 $ 76,967 $ 106,000
Flathead, Montana 61 $ 6,865,000 $ 112,540 $ 105,000
Clark, Ohio 61 $ 4,065,000 $ 66,639 $ 84,000
Midland, Texas 61 $ 5,665,000 $ 92,868 $ 130,000
Floyd, Georgia 60 $ 4,980,000 $ 83,000 $ 97,000
Madison, Kentucky 60 $ 3,740,000 $ 62,333 $ 91,000
Oldham, Kentucky 60 $ 5,370,000 $ 89,500 $ 166,000
Bedford, Virginia 60 $ 5,040,000 $ 84,000 $ 119,000
Morgan, Alabama 59 $ 4,885,000 $ 82,796 $ 96,000
Bonneville, Idaho 59 $ 5,975,000 $ 101,271 $ 102,000
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Mortgage Loan Application Detail Totals for Discover Bank in 2022

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 99,455 $8,099,845,000 $81,000 $305,000 $126,000 $9,927,000
Home Improvement 39,276 $3,416,560,000 $86,000 $305,000 $138,000 $8,887,000
Refinancing 23,002 $3,253,640,000 $141,000 $305,000 $118,000 $8,188,000
Home Purchase 1,368 $200,930,000 $146,000 $305,000 $154,000 $7,500,000
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 88,000 $7,771,780,000 $88,000 $305,000 $126,000 $9,927,000
Not Provided 30,557 $2,924,615,000 $95,000 $305,000 $141,000 $9,360,000
Hispanic 16,888 $1,537,180,000 $91,000 $305,000 $120,000 $8,887,000
Black or African American 11,901 $1,030,075,000 $86,000 $305,000 $109,000 $9,772,000
Asian 7,300 $863,990,000 $118,000 $305,000 $145,000 $6,058,000
American Indian or Alaskan Native 4,729 $412,625,000 $87,000 $305,000 $114,000 $4,375,000
Native Hawaiian or Other Pacific Islander 271 $25,095,000 $92,000 $305,000 $119,000 $1,046,000
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) 163,101 $14,970,975,000 $91,000 $305,000 $128,000 $9,927,000
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 76,632 $7,025,300,000 $91,000 $305,000 $115,000 $9,927,000
File Closed For Incompleteness 46,868 $4,089,620,000 $87,000 $305,000 $136,000 $9,772,000
Loan Originated 19,901 $2,016,045,000 $101,000 $305,000 $146,000 $1,881,000
Application Withdrawn By Applicant 19,095 $1,777,175,000 $93,000 $305,000 $140,000 $9,360,000
Application Approved But Not Accepted 605 $62,835,000 $103,000 $305,000 $139,000 $689,000
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 86,469 $7,945,675,000 $91,000 $305,000 $139,000 $9,772,000
Credit History 27,588 $2,309,860,000 $83,000 $305,000 $110,000 $9,927,000
Collateral 18,216 $1,686,700,000 $92,000 $305,000 $126,000 $3,775,000
Debt-To-Income Ratio 13,799 $1,280,775,000 $92,000 $305,000 $83,000 $1,220,000
Credit Application Incomplete 10,583 $1,123,415,000 $106,000 $305,000 $137,000 $8,188,000
Other 5,901 $568,815,000 $96,000 $305,000 $144,000 $8,260,000
Unverifiable Information 348 $38,150,000 $109,000 $305,000 $122,000 $1,120,000
Employment History 197 $17,585,000 $89,000 $305,000 $71,000 $500,000
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 2022 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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