Flagstar Bank Mortgage Lending & HMDA Data, 2004

In 2004, Flagstar Bank of Troy, MI reported 272,834 mortgage applications totaling $45.3 billion, down 41% from 2003. The average application was for $166,040, and applicants reported an average income of $72,945. 68% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Warren-Farmington Hills-Troy, MI (21,345), Detroit-Livonia-Dearborn, MI (7,967) and Los Angeles-Long Beach-Glendale, CA (7,047) (applications in parentheses).

Mortgage Company & Address Flagstar Bank
5151 Corporate Dr
Troy, MI 48098
Tel #: available with data download
Federal Regulator * available with data download
Years 2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 272,834
Total Mortgage Loan Application Amount $45,301,611,000
Average Mortgage Loan Application Amount $166,040
Highest Mortgage Loan Application Amount $3,500,000
Average Applicant Income $72,945
Highest Applicant Income $6,250,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Flagstar Bank 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
Oakland, Michigan 11,757 $ 1,903,283,000 $ 161,885 $ 74,000
Wayne, Michigan 7,967 $ 924,120,000 $ 115,993 $ 57,000
Los Angeles, California 7,047 $ 1,759,046,000 $ 249,616 $ 105,000
Macomb, Michigan 6,935 $ 910,374,000 $ 131,272 $ 61,000
Cook, Illinois 4,541 $ 871,489,000 $ 191,915 $ 76,000
Maricopa, Arizona 4,174 $ 725,226,000 $ 173,748 $ 74,000
King, Washington 3,790 $ 844,002,000 $ 222,691 $ 83,000
Miami-Dade, Florida 3,712 $ 614,070,000 $ 165,428 $ 73,000
San Diego, California 3,646 $ 1,060,726,000 $ 290,928 $ 105,000
Broward, Florida 3,157 $ 529,694,000 $ 167,783 $ 85,000
Clark, Nevada 2,974 $ 576,530,000 $ 193,856 $ 91,000
Orange, California 2,555 $ 754,090,000 $ 295,142 $ 124,000
Harris, Texas 2,550 $ 356,927,000 $ 139,971 $ 84,000
Kent, Michigan 2,281 $ 243,680,000 $ 106,830 $ 48,000
Santa Clara, California 2,271 $ 751,173,000 $ 330,767 $ 111,000
Riverside, California 2,202 $ 504,740,000 $ 229,218 $ 95,000
Palm Beach, Florida 2,177 $ 384,703,000 $ 176,712 $ 88,000
Genesee, Michigan 2,042 $ 227,791,000 $ 111,552 $ 57,000
St. Louis, Missouri 1,910 $ 258,534,000 $ 135,358 $ 63,000
San Bernardino, California 1,907 $ 362,174,000 $ 189,918 $ 79,000
Suffolk, New York 1,827 $ 421,896,000 $ 230,922 $ 90,000
Franklin, Ohio 1,787 $ 222,850,000 $ 124,706 $ 62,000
Sacramento, California 1,613 $ 357,012,000 $ 221,334 $ 96,000
Alameda, California 1,587 $ 468,979,000 $ 295,512 $ 101,000
Dallas, Texas 1,560 $ 234,667,000 $ 150,427 $ 79,000
Snohomish, Washington 1,539 $ 297,531,000 $ 193,327 $ 78,000
Orange, Florida 1,530 $ 227,203,000 $ 148,498 $ 71,000
Washtenaw, Michigan 1,500 $ 255,742,000 $ 170,494 $ 75,000
Hillsborough, Florida 1,385 $ 197,223,000 $ 142,399 $ 66,000
Cuyahoga, Ohio 1,379 $ 151,767,000 $ 110,055 $ 59,000
Prince George's, Maryland 1,334 $ 248,322,000 $ 186,148 $ 73,000
Contra Costa, California 1,274 $ 371,034,000 $ 291,235 $ 106,000
Nassau, New York 1,261 $ 324,658,000 $ 257,460 $ 101,000
Queens, New York 1,223 $ 328,148,000 $ 268,313 $ 84,000
Tarrant, Texas 1,187 $ 170,102,000 $ 143,304 $ 87,000
Fairfax, Virginia 1,185 $ 293,053,000 $ 247,302 $ 89,000
Pierce, Washington 1,182 $ 199,158,000 $ 168,492 $ 67,000
Hartford, Connecticut 1,150 $ 184,933,000 $ 160,811 $ 69,000
Multnomah, Oregon 1,150 $ 203,712,000 $ 177,140 $ 75,000
Montgomery, Maryland 1,148 $ 259,328,000 $ 225,895 $ 87,000
Ventura, California 1,129 $ 331,314,000 $ 293,457 $ 98,000
Fresno, California 1,120 $ 189,431,000 $ 169,134 $ 78,000
Livingston, Michigan 1,063 $ 180,618,000 $ 169,913 $ 77,000
St. Clair, Michigan 1,050 $ 131,224,000 $ 124,975 $ 61,000
Pima, Arizona 1,024 $ 143,277,000 $ 139,918 $ 73,000
Baltimore, Maryland 1,014 $ 166,233,000 $ 163,937 $ 83,000
Jackson, Michigan 999 $ 99,054,000 $ 99,153 $ 49,000
Fairfield, Connecticut 978 $ 230,370,000 $ 235,552 $ 99,000
Ingham, Michigan 975 $ 105,058,000 $ 107,751 $ 56,000
Lucas, Ohio 972 $ 96,844,000 $ 99,633 $ 57,000
St. Charles, Missouri 961 $ 137,305,000 $ 142,877 $ 66,000
Pinellas, Florida 957 $ 137,299,000 $ 143,468 $ 70,000
Travis, Texas 884 $ 172,334,000 $ 194,947 $ 99,000
Jefferson, Colorado 879 $ 172,445,000 $ 196,183 $ 76,000
Ottawa, Michigan 879 $ 95,199,000 $ 108,303 $ 55,000
Lee, Florida 874 $ 140,358,000 $ 160,592 $ 89,000
Providence, Rhode Island 874 $ 163,193,000 $ 186,719 $ 76,000
DuPage, Illinois 873 $ 174,227,000 $ 199,572 $ 80,000
Allegheny, Pennsylvania 849 $ 89,936,000 $ 105,931 $ 103,000
Denver, Colorado 834 $ 151,497,000 $ 181,651 $ 67,000
New Haven, Connecticut 827 $ 137,383,000 $ 166,122 $ 77,000
Arapahoe, Colorado 824 $ 157,803,000 $ 191,508 $ 76,000
Seminole, Florida 820 $ 123,062,000 $ 150,075 $ 80,000
Bergen, New Jersey 799 $ 217,174,000 $ 271,807 $ 114,000
Salt Lake, Utah 793 $ 130,735,000 $ 164,861 $ 62,000
Marion, Indiana 773 $ 80,935,000 $ 104,702 $ 60,000
Allen, Indiana 761 $ 79,501,000 $ 104,469 $ 52,000
Kings, New York 761 $ 213,249,000 $ 280,222 $ 112,000
Volusia, Florida 736 $ 90,698,000 $ 123,230 $ 64,000
St. Lucie, Florida 734 $ 103,976,000 $ 141,656 $ 63,000
Spokane, Washington 715 $ 87,543,000 $ 122,437 $ 62,000
Leon, Florida 707 $ 92,790,000 $ 131,244 $ 76,000
Jefferson, Missouri 694 $ 81,154,000 $ 116,936 $ 58,000
Collin, Texas 693 $ 121,033,000 $ 174,650 $ 92,000
Anne Arundel, Maryland 688 $ 137,114,000 $ 199,293 $ 84,000
Middlesex, Massachusetts 684 $ 166,750,000 $ 243,786 $ 100,000
Denton, Texas 681 $ 106,520,000 $ 156,417 $ 102,000
Montgomery, Ohio 667 $ 66,248,000 $ 99,322 $ 50,000
Hamilton, Ohio 662 $ 72,305,000 $ 109,222 $ 59,000
Westchester, New York 657 $ 178,145,000 $ 271,149 $ 114,000
Will, Illinois 651 $ 118,775,000 $ 182,450 $ 83,000
Martin, Florida 649 $ 117,842,000 $ 181,574 $ 94,000
Pasco, Florida 645 $ 79,963,000 $ 123,973 $ 56,000
Douglas, Nebraska 643 $ 75,422,000 $ 117,297 $ 58,000
San Joaquin, California 626 $ 139,491,000 $ 222,829 $ 84,000
Polk, Iowa 625 $ 82,294,000 $ 131,670 $ 76,000
Brevard, Florida 617 $ 82,610,000 $ 133,889 $ 60,000
San Mateo, California 616 $ 214,505,000 $ 348,222 $ 134,000
Brown, Wisconsin 609 $ 79,024,000 $ 129,760 $ 58,000
Solano, California 607 $ 152,372,000 $ 251,024 $ 93,000
Orange, New York 598 $ 111,517,000 $ 186,483 $ 76,000
Prince William, Virginia 591 $ 142,389,000 $ 240,928 $ 89,000
Maui, Hawaii 590 $ 172,162,000 $ 291,800 $ 116,000
Ocean, New Jersey 585 $ 112,430,000 $ 192,188 $ 98,000
Bexar, Texas 583 $ 73,231,000 $ 125,610 $ 78,000
San Francisco, California 581 $ 202,969,000 $ 349,344 $ 126,000
Middlesex, New Jersey 581 $ 121,401,000 $ 208,951 $ 83,000
Butler, Ohio 578 $ 67,492,000 $ 116,768 $ 61,000
Santa Barbara, California 569 $ 129,121,000 $ 226,926 $ 80,000
Washington, Oregon 568 $ 104,138,000 $ 183,341 $ 75,000
Duval, Florida 567 $ 70,296,000 $ 123,978 $ 63,000
Santa Fe, New Mexico 567 $ 119,209,000 $ 210,245 $ 96,000
Eaton, Michigan 555 $ 64,454,000 $ 116,133 $ 56,000
Douglas, Colorado 554 $ 129,163,000 $ 233,146 $ 106,000
Philadelphia, Pennsylvania 553 $ 55,542,000 $ 100,437 $ 65,000
Shelby, Tennessee 553 $ 53,495,000 $ 96,735 $ 82,000
Essex, Massachusetts 552 $ 124,239,000 $ 225,070 $ 84,000
Adams, Colorado 550 $ 89,868,000 $ 163,396 $ 65,000
Saginaw, Michigan 542 $ 49,888,000 $ 92,044 $ 54,000
Lapeer, Michigan 540 $ 78,561,000 $ 145,483 $ 58,000
Tulsa, Oklahoma 536 $ 51,205,000 $ 95,531 $ 58,000
Fulton, Georgia 527 $ 93,854,000 $ 178,091 $ 88,000
Ada, Idaho 525 $ 74,822,000 $ 142,518 $ 62,000
Bristol, Massachusetts 524 $ 99,804,000 $ 190,465 $ 70,000
Worcester, Massachusetts 516 $ 95,616,000 $ 185,302 $ 82,000
Hennepin, Minnesota 516 $ 95,137,000 $ 184,374 $ 72,000
Osceola, Florida 513 $ 69,029,000 $ 134,559 $ 60,000
Anchorage, Alaska 510 $ 94,700,000 $ 185,686 $ 76,000
Fort Bend, Texas 505 $ 78,960,000 $ 156,356 $ 98,000
Baltimore City, Maryland 503 $ 58,079,000 $ 115,465 $ 65,000
Utah, Utah 503 $ 75,579,000 $ 150,256 $ 72,000
Lake, Illinois 490 $ 101,049,000 $ 206,222 $ 86,000
Stanislaus, California 485 $ 93,799,000 $ 193,400 $ 84,000
Norfolk, Massachusetts 485 $ 116,480,000 $ 240,164 $ 84,000
Bernalillo, New Mexico 485 $ 68,979,000 $ 142,224 $ 95,000
Clackamas, Oregon 481 $ 99,270,000 $ 206,382 $ 91,000
Boulder, Colorado 479 $ 103,699,000 $ 216,490 $ 84,000
Monmouth, New Jersey 476 $ 106,104,000 $ 222,907 $ 93,000
Hudson, New Jersey 468 $ 106,582,000 $ 227,739 $ 88,000
Summit, Ohio 466 $ 54,792,000 $ 117,579 $ 57,000
Collier, Florida 464 $ 101,223,000 $ 218,153 $ 105,000
Lorain, Ohio 462 $ 52,318,000 $ 113,242 $ 52,000
Jefferson, Alabama 449 $ 55,863,000 $ 124,416 $ 67,000
Gwinnett, Georgia 448 $ 69,124,000 $ 154,294 $ 65,000
Lancaster, Nebraska 445 $ 51,883,000 $ 116,591 $ 53,000
Jefferson, Louisiana 440 $ 51,056,000 $ 116,036 $ 57,000
Honolulu, Hawaii 438 $ 119,681,000 $ 273,244 $ 105,000
St. Louis City, Missouri 438 $ 45,900,000 $ 104,794 $ 49,000
Morris, New Jersey 436 $ 102,854,000 $ 235,903 $ 98,000
Okaloosa, Florida 435 $ 75,546,000 $ 173,668 $ 99,000
District of Columbia, District Of Columbia 431 $ 87,173,000 $ 202,257 $ 89,000
Monroe, Michigan 426 $ 58,222,000 $ 136,671 $ 67,000
Kitsap, Washington 424 $ 74,365,000 $ 175,389 $ 70,000
Bonneville, Idaho 422 $ 47,772,000 $ 113,203 $ 48,000
Jackson, Missouri 415 $ 44,906,000 $ 108,207 $ 53,000
Passaic, New Jersey 411 $ 86,094,000 $ 209,474 $ 79,000
Essex, New Jersey 410 $ 88,990,000 $ 217,048 $ 84,000
Kern, California 407 $ 58,580,000 $ 143,931 $ 73,000
El Paso, Colorado 405 $ 63,931,000 $ 157,854 $ 72,000
Larimer, Colorado 404 $ 72,438,000 $ 179,301 $ 75,000
Clark, Washington 401 $ 64,847,000 $ 161,713 $ 89,000
Richmond, New York 396 $ 91,811,000 $ 231,845 $ 76,000
Harford, Maryland 393 $ 65,257,000 $ 166,048 $ 77,000
Loudoun, Virginia 384 $ 107,269,000 $ 279,346 $ 104,000
Howard, Maryland 383 $ 87,086,000 $ 227,378 $ 95,000
Polk, Florida 380 $ 42,192,000 $ 111,031 $ 60,000
Cobb, Georgia 379 $ 60,189,000 $ 158,810 $ 71,000
East Baton Rouge, Louisiana 376 $ 40,513,000 $ 107,747 $ 48,000
Placer, California 375 $ 95,004,000 $ 253,344 $ 85,000
Saratoga, New York 375 $ 56,142,000 $ 149,712 $ 86,000
San Luis Obispo, California 369 $ 98,234,000 $ 266,216 $ 112,000
Union, New Jersey 369 $ 77,999,000 $ 211,379 $ 88,000
Dutchess, New York 366 $ 70,937,000 $ 193,816 $ 87,000
Muskegon, Michigan 364 $ 32,821,000 $ 90,167 $ 47,000
Davidson, Tennessee 363 $ 44,512,000 $ 122,622 $ 53,000
Plymouth, Massachusetts 362 $ 76,242,000 $ 210,613 $ 68,000
Bronx, New York 361 $ 83,040,000 $ 230,027 $ 83,000
Fairfield, Ohio 357 $ 46,018,000 $ 128,901 $ 56,000
Rockland, New York 351 $ 86,621,000 $ 246,783 $ 105,000
Bay, Florida 349 $ 55,457,000 $ 158,902 $ 94,000
Milwaukee, Wisconsin 348 $ 46,642,000 $ 134,028 $ 78,000
Richland, South Carolina 347 $ 42,247,000 $ 121,749 $ 58,000
Baldwin, Alabama 341 $ 75,365,000 $ 221,011 $ 119,000
Sussex, New Jersey 336 $ 61,196,000 $ 182,130 $ 90,000
DeKalb, Georgia 335 $ 50,260,000 $ 150,029 $ 81,000
Montgomery, Texas 334 $ 51,632,000 $ 154,586 $ 99,000
Vanderburgh, Indiana 332 $ 29,374,000 $ 88,475 $ 48,000
Licking, Ohio 322 $ 41,920,000 $ 130,186 $ 56,000
Mohave, Arizona 319 $ 46,382,000 $ 145,398 $ 87,000
Rockingham, New Hampshire 319 $ 64,041,000 $ 200,755 $ 82,000
Escambia, Florida 317 $ 45,977,000 $ 145,037 $ 74,000
Hamilton, Indiana 314 $ 60,051,000 $ 191,245 $ 89,000
Kent, Rhode Island 311 $ 58,428,000 $ 187,871 $ 78,000
Sonoma, California 308 $ 86,703,000 $ 281,503 $ 110,000
Williamson, Texas 303 $ 40,994,000 $ 135,293 $ 76,000
Yakima, Washington 303 $ 34,820,000 $ 114,917 $ 59,000
Warren, Ohio 302 $ 43,948,000 $ 145,523 $ 61,000
Horry, South Carolina 301 $ 46,604,000 $ 154,830 $ 106,000
Kane, Illinois 300 $ 55,769,000 $ 185,896 $ 72,000
Santa Cruz, California 298 $ 89,733,000 $ 301,117 $ 115,000
Galveston, Texas 297 $ 38,009,000 $ 127,976 $ 102,000
Lexington, South Carolina 296 $ 35,923,000 $ 121,361 $ 57,000
Shasta, California 295 $ 51,142,000 $ 173,362 $ 69,000
Westmoreland, Pennsylvania 295 $ 30,342,000 $ 102,854 $ 70,000
Litchfield, Connecticut 294 $ 51,415,000 $ 174,880 $ 82,000
Orleans, Louisiana 293 $ 38,530,000 $ 131,501 $ 66,000
Montgomery, Pennsylvania 293 $ 50,232,000 $ 171,440 $ 94,000
Weld, Colorado 288 $ 49,128,000 $ 170,583 $ 65,000
Calhoun, Michigan 286 $ 26,816,000 $ 93,762 $ 58,000
Washoe, Nevada 286 $ 58,730,000 $ 205,349 $ 91,000
Lane, Oregon 286 $ 42,412,000 $ 148,293 $ 76,000
Davis, Utah 285 $ 45,042,000 $ 158,042 $ 67,000
Tolland, Connecticut 284 $ 46,694,000 $ 164,415 $ 71,000
Sarasota, Florida 283 $ 44,390,000 $ 156,855 $ 98,000
Erie, New York 278 $ 27,136,000 $ 97,611 $ 54,000
Flagler, Florida 276 $ 40,008,000 $ 144,956 $ 77,000
Elkhart, Indiana 273 $ 26,993,000 $ 98,875 $ 59,000
Hidalgo, Texas 273 $ 32,978,000 $ 120,798 $ 112,000
Weber, Utah 270 $ 37,792,000 $ 139,970 $ 64,000
Kalamazoo, Michigan 269 $ 30,066,000 $ 111,769 $ 55,000
Allegan, Michigan 268 $ 28,956,000 $ 108,044 $ 44,000
Frederick, Maryland 266 $ 53,991,000 $ 202,973 $ 77,000
Suffolk, Massachusetts 265 $ 64,025,000 $ 241,603 $ 78,000
El Paso, Texas 265 $ 36,384,000 $ 137,298 $ 98,000
Lenawee, Michigan 264 $ 31,984,000 $ 121,151 $ 56,000
Tuscola, Michigan 263 $ 22,836,000 $ 86,828 $ 46,000
St. Johns, Florida 261 $ 43,125,000 $ 165,229 $ 90,000
Benton, Washington 260 $ 34,918,000 $ 134,300 $ 74,000
Thurston, Washington 260 $ 40,178,000 $ 154,530 $ 69,000
Shelby, Alabama 259 $ 40,325,000 $ 155,694 $ 62,000
Jefferson, Kentucky 259 $ 32,349,000 $ 124,899 $ 61,000
Delaware, Ohio 259 $ 47,729,000 $ 184,281 $ 88,000
Lake, Florida 254 $ 36,649,000 $ 144,287 $ 66,000
Kootenai, Idaho 254 $ 34,597,000 $ 136,208 $ 85,000
Albany, New York 254 $ 32,234,000 $ 126,905 $ 73,000
Carroll, Maryland 253 $ 48,096,000 $ 190,102 $ 70,000
Clallam, Washington 252 $ 40,234,000 $ 159,658 $ 90,000
Bucks, Pennsylvania 250 $ 47,178,000 $ 188,712 $ 69,000
Lake, Ohio 249 $ 31,218,000 $ 125,373 $ 58,000
Oklahoma, Oklahoma 249 $ 24,192,000 $ 97,156 $ 51,000
Hillsborough, New Hampshire 246 $ 45,866,000 $ 186,447 $ 81,000
Monroe, New York 246 $ 27,598,000 $ 112,186 $ 77,000
Mecklenburg, North Carolina 245 $ 36,701,000 $ 149,800 $ 67,000
Stark, Ohio 245 $ 23,975,000 $ 97,857 $ 45,000
Richland, Ohio 244 $ 23,524,000 $ 96,409 $ 49,000
Ionia, Michigan 243 $ 25,783,000 $ 106,102 $ 49,000
Greene, Missouri 243 $ 24,506,000 $ 100,847 $ 50,000
St. Tammany, Louisiana 239 $ 29,463,000 $ 123,276 $ 59,000
Putnam, New York 238 $ 51,928,000 $ 218,184 $ 85,000
Windham, Connecticut 236 $ 34,645,000 $ 146,800 $ 59,000
Wake, North Carolina 235 $ 34,860,000 $ 148,340 $ 58,000
Ramsey, Minnesota 231 $ 35,100,000 $ 151,948 $ 68,000
Somerset, New Jersey 229 $ 53,339,000 $ 232,921 $ 101,000
Isabella, Michigan 226 $ 36,220,000 $ 160,265 $ 66,000
Berks, Pennsylvania 225 $ 23,305,000 $ 103,577 $ 53,000
Dane, Wisconsin 225 $ 39,261,000 $ 174,493 $ 89,000
Butte, California 223 $ 42,097,000 $ 188,775 $ 70,000
Washington, Rhode Island 223 $ 49,014,000 $ 219,793 $ 101,000
Nye, Nevada 222 $ 29,655,000 $ 133,581 $ 67,000
Clinton, Michigan 220 $ 29,177,000 $ 132,622 $ 66,000
New Castle, Delaware 219 $ 35,357,000 $ 161,447 $ 73,000
Madison, Illinois 219 $ 21,638,000 $ 98,803 $ 47,000
Charles, Maryland 219 $ 41,411,000 $ 189,091 $ 78,000
El Dorado, California 218 $ 56,217,000 $ 257,876 $ 105,000
Marin, California 217 $ 79,879,000 $ 368,105 $ 149,000
Monterey, California 216 $ 61,248,000 $ 283,555 $ 116,000
Monroe, Florida 216 $ 68,775,000 $ 318,402 $ 174,000
Bannock, Idaho 215 $ 21,375,000 $ 99,418 $ 44,000
Hinds, Mississippi 215 $ 17,753,000 $ 82,572 $ 66,000
Anoka, Minnesota 214 $ 35,764,000 $ 167,121 $ 65,000
Tulare, California 213 $ 30,011,000 $ 140,896 $ 69,000
New London, Connecticut 213 $ 36,798,000 $ 172,760 $ 67,000
Hernando, Florida 213 $ 21,833,000 $ 102,502 $ 55,000
Onondaga, New York 212 $ 20,698,000 $ 97,632 $ 61,000
Burlington, New Jersey 211 $ 36,852,000 $ 174,654 $ 80,000
Klamath, Oregon 211 $ 21,910,000 $ 103,838 $ 60,000
Shawnee, Kansas 210 $ 26,507,000 $ 126,223 $ 62,000
Waukesha, Wisconsin 207 $ 40,354,000 $ 194,946 $ 88,000
Middlesex, Connecticut 204 $ 36,674,000 $ 179,774 $ 73,000
Washington, Utah 204 $ 31,045,000 $ 152,181 $ 78,000
Brazoria, Texas 203 $ 26,229,000 $ 129,206 $ 80,000
Marion, Florida 202 $ 21,513,000 $ 106,500 $ 51,000
Santa Rosa, Florida 202 $ 29,017,000 $ 143,648 $ 72,000
St. Joseph, Indiana 202 $ 19,709,000 $ 97,569 $ 53,000
Douglas, Oregon 200 $ 25,208,000 $ 126,040 $ 52,000
La Plata, Colorado 198 $ 38,203,000 $ 192,944 $ 105,000
Lake, Indiana 198 $ 22,623,000 $ 114,257 $ 63,000
Manatee, Florida 197 $ 31,375,000 $ 159,263 $ 104,000
Virginia Beach, Virginia 196 $ 29,829,000 $ 152,188 $ 63,000
Mesa, Colorado 194 $ 26,480,000 $ 136,494 $ 65,000
Sanilac, Michigan 194 $ 21,835,000 $ 112,551 $ 68,000
Scott, Iowa 193 $ 19,507,000 $ 101,072 $ 48,000
Walton, Florida 189 $ 44,775,000 $ 236,904 $ 136,000
Fayette, Kentucky 188 $ 24,501,000 $ 130,324 $ 70,000
York, South Carolina 188 $ 22,342,000 $ 118,840 $ 56,000
Franklin, Missouri 186 $ 26,357,000 $ 141,704 $ 65,000
St. Clair, Illinois 185 $ 19,098,000 $ 103,232 $ 51,000
Chatham, Georgia 183 $ 28,141,000 $ 153,775 $ 66,000
DeSoto, Mississippi 182 $ 22,473,000 $ 123,478 $ 59,000
Deschutes, Oregon 182 $ 33,339,000 $ 183,181 $ 99,000
Greene, Ohio 180 $ 22,792,000 $ 126,622 $ 62,000
Johnson, Kansas 179 $ 26,660,000 $ 148,938 $ 72,000
Shiawassee, Michigan 179 $ 20,538,000 $ 114,737 $ 70,000
Sussex, Delaware 178 $ 37,314,000 $ 209,629 $ 93,000
McHenry, Illinois 175 $ 30,854,000 $ 176,308 $ 76,000
Linn, Iowa 175 $ 17,894,000 $ 102,251 $ 53,000
Merced, California 174 $ 29,872,000 $ 171,678 $ 69,000
Montcalm, Michigan 174 $ 16,618,000 $ 95,505 $ 44,000
St. Louis, Minnesota 174 $ 22,302,000 $ 128,172 $ 60,000
Lincoln, New Mexico 174 $ 24,025,000 $ 138,074 $ 101,000
Barnstable, Massachusetts 172 $ 39,877,000 $ 231,843 $ 103,000
Dakota, Minnesota 172 $ 30,358,000 $ 176,500 $ 68,000
Mercer, New Jersey 172 $ 29,127,000 $ 169,343 $ 84,000
Taos, New Mexico 172 $ 26,998,000 $ 156,965 $ 92,000
York, Pennsylvania 171 $ 21,070,000 $ 123,216 $ 56,000
Skagit, Washington 171 $ 30,399,000 $ 177,771 $ 65,000
Boone, Missouri 170 $ 20,480,000 $ 120,470 $ 50,000
Atlantic, New Jersey 170 $ 26,996,000 $ 158,800 $ 75,000
Marion, Oregon 170 $ 26,525,000 $ 156,029 $ 71,000
Canyon, Idaho 169 $ 18,491,000 $ 109,414 $ 47,000
Chesterfield, Virginia 169 $ 24,942,000 $ 147,585 $ 56,000
Yavapai, Arizona 168 $ 25,329,000 $ 150,767 $ 80,000
Midland, Michigan 168 $ 19,043,000 $ 113,351 $ 58,000
Barry, Michigan 167 $ 18,746,000 $ 112,251 $ 49,000
Grand Traverse, Michigan 167 $ 22,302,000 $ 133,544 $ 84,000
Hamilton, Tennessee 166 $ 20,875,000 $ 125,753 $ 68,000
Henrico, Virginia 166 $ 22,859,000 $ 137,704 $ 58,000
Cecil, Maryland 165 $ 24,154,000 $ 146,387 $ 66,000
Iosco, Michigan 164 $ 14,085,000 $ 85,884 $ 60,000
Wexford, Michigan 164 $ 13,684,000 $ 83,439 $ 43,000
Bay, Michigan 163 $ 16,490,000 $ 101,165 $ 53,000
Schenectady, New York 163 $ 16,024,000 $ 98,306 $ 51,000
Medina, Ohio 163 $ 24,378,000 $ 149,558 $ 64,000
Cherokee, Georgia 162 $ 27,806,000 $ 171,641 $ 83,000
Hawaii, Hawaii 160 $ 38,255,000 $ 239,093 $ 109,000
Spotsylvania, Virginia 159 $ 29,210,000 $ 183,710 $ 92,000
Coconino, Arizona 158 $ 27,437,000 $ 173,651 $ 89,000
Forsyth, Georgia 158 $ 29,141,000 $ 184,436 $ 85,000
Hampden, Massachusetts 157 $ 21,059,000 $ 134,133 $ 57,000
Ulster, New York 157 $ 25,472,000 $ 162,242 $ 62,000
Pinal, Arizona 156 $ 20,041,000 $ 128,467 $ 66,000
Sarpy, Nebraska 156 $ 19,165,000 $ 122,852 $ 67,000
Huron, Ohio 156 $ 15,380,000 $ 98,589 $ 46,000
Jackson, Oregon 156 $ 26,212,000 $ 168,025 $ 93,000
Clark, Ohio 155 $ 14,117,000 $ 91,077 $ 48,000
Sedgwick, Kansas 153 $ 15,070,000 $ 98,496 $ 51,000
Clatsop, Oregon 151 $ 18,342,000 $ 121,470 $ 68,000
Kenosha, Wisconsin 151 $ 19,794,000 $ 131,086 $ 66,000
Calcasieu, Louisiana 150 $ 12,263,000 $ 81,753 $ 49,000
Alpena, Michigan 150 $ 11,914,000 $ 79,426 $ 59,000
Delaware, Pennsylvania 150 $ 20,154,000 $ 134,360 $ 69,000
Harrison, Mississippi 149 $ 14,468,000 $ 97,100 $ 47,000
Charlotte, Florida 148 $ 20,832,000 $ 140,756 $ 70,000
Rensselaer, New York 147 $ 16,413,000 $ 111,653 $ 62,000
Racine, Wisconsin 147 $ 20,365,000 $ 138,537 $ 55,000
Clay, Florida 146 $ 19,311,000 $ 132,267 $ 66,000
Indian River, Florida 145 $ 24,158,000 $ 166,606 $ 70,000
Washington, Pennsylvania 145 $ 16,339,000 $ 112,682 $ 57,000
Buncombe, North Carolina 144 $ 21,507,000 $ 149,354 $ 55,000
Portage, Ohio 144 $ 18,403,000 $ 127,798 $ 53,000
La Crosse, Wisconsin 143 $ 19,959,000 $ 139,573 $ 69,000
Camden, New Jersey 141 $ 21,412,000 $ 151,858 $ 77,000
Newaygo, Michigan 140 $ 13,582,000 $ 97,014 $ 55,000
Gloucester, New Jersey 140 $ 22,207,000 $ 158,621 $ 65,000
Mahoning, Ohio 140 $ 13,263,000 $ 94,735 $ 50,000
Clermont, Ohio 139 $ 18,633,000 $ 134,050 $ 55,000
Erie, Pennsylvania 139 $ 13,247,000 $ 95,302 $ 44,000
Berrien, Michigan 138 $ 19,215,000 $ 139,239 $ 79,000
Whatcom, Washington 137 $ 22,358,000 $ 163,197 $ 83,000
Nevada, California 135 $ 34,263,000 $ 253,800 $ 123,000
Teller, Colorado 135 $ 19,959,000 $ 147,844 $ 59,000
Pueblo, Colorado 134 $ 15,410,000 $ 115,000 $ 55,000
Lawrence, Indiana 134 $ 11,281,000 $ 84,186 $ 44,000
Lehigh, Pennsylvania 134 $ 16,112,000 $ 120,238 $ 60,000
Rock Island, Illinois 133 $ 10,809,000 $ 81,270 $ 48,000
Warrick, Indiana 133 $ 15,642,000 $ 117,609 $ 65,000
Napa, California 132 $ 36,548,000 $ 276,878 $ 139,000
Stafford, Virginia 132 $ 29,705,000 $ 225,037 $ 80,000
Mobile, Alabama 131 $ 15,001,000 $ 114,511 $ 69,000
Yolo, California 131 $ 30,207,000 $ 230,587 $ 91,000
Lincoln, Missouri 131 $ 16,210,000 $ 123,740 $ 71,000
Wood, Ohio 131 $ 17,814,000 $ 135,984 $ 53,000
Imperial, California 130 $ 17,854,000 $ 137,338 $ 73,000
Madera, California 128 $ 23,008,000 $ 179,750 $ 104,000
Summit, Colorado 128 $ 28,610,000 $ 223,515 $ 150,000
Beaver, Pennsylvania 128 $ 12,652,000 $ 98,843 $ 71,000
Boyd, Kentucky 127 $ 10,038,000 $ 79,039 $ 43,000
Nueces, Texas 127 $ 16,519,000 $ 130,070 $ 103,000
Calhoun, Alabama 126 $ 13,453,000 $ 106,769 $ 55,000
Chester, Pennsylvania 124 $ 22,306,000 $ 179,887 $ 76,000
Cowlitz, Washington 124 $ 15,711,000 $ 126,701 $ 68,000
Hillsdale, Michigan 123 $ 10,914,000 $ 88,731 $ 67,000
Lancaster, Pennsylvania 123 $ 14,799,000 $ 120,317 $ 61,000
Hall, Georgia 122 $ 19,855,000 $ 162,745 $ 74,000
Calvert, Maryland 122 $ 22,930,000 $ 187,950 $ 79,000
Monroe, Indiana 121 $ 12,963,000 $ 107,132 $ 59,000
Randall, Texas 120 $ 14,702,000 $ 122,516 $ 72,000
Navajo, Arizona 119 $ 14,817,000 $ 124,512 $ 72,000
Pickaway, Ohio 119 $ 15,183,000 $ 127,588 $ 62,000
Newport, Rhode Island 119 $ 30,043,000 $ 252,462 $ 122,000
Pulaski, Arkansas 118 $ 15,687,000 $ 132,940 $ 69,000
Northampton, Pennsylvania 118 $ 16,945,000 $ 143,601 $ 59,000
Charleston, South Carolina 118 $ 20,147,000 $ 170,737 $ 92,000
Bibb, Georgia 117 $ 13,689,000 $ 117,000 $ 59,000
Clayton, Georgia 117 $ 13,254,000 $ 113,282 $ 52,000
Roscommon, Michigan 116 $ 10,232,000 $ 88,206 $ 55,000
Rock, Wisconsin 116 $ 15,191,000 $ 130,956 $ 94,000
Pottawattamie, Iowa 115 $ 11,756,000 $ 102,226 $ 50,000
Parker, Texas 115 $ 15,433,000 $ 134,200 $ 87,000
Hendricks, Indiana 114 $ 17,732,000 $ 155,543 $ 71,000
Cameron, Texas 114 $ 13,118,000 $ 115,070 $ 63,000
Hancock, Indiana 113 $ 12,093,000 $ 107,017 $ 83,000
Porter, Indiana 113 $ 14,366,000 $ 127,132 $ 57,000
Williamson, Tennessee 113 $ 22,753,000 $ 201,353 $ 96,000
Arlington, Virginia 113 $ 25,835,000 $ 228,628 $ 93,000
Jasper, Missouri 112 $ 9,877,000 $ 88,187 $ 35,000
Sevier, Tennessee 112 $ 14,685,000 $ 131,116 $ 91,000
Ashtabula, Ohio 110 $ 10,759,000 $ 97,809 $ 48,000
Rutherford, Tennessee 110 $ 13,047,000 $ 118,609 $ 59,000
Hays, Texas 110 $ 17,895,000 $ 162,681 $ 90,000
Habersham, Georgia 109 $ 15,393,000 $ 141,220 $ 62,000
Island, Washington 109 $ 20,531,000 $ 188,357 $ 97,000
Trumbull, Ohio 108 $ 10,235,000 $ 94,768 $ 54,000
Alachua, Florida 107 $ 13,008,000 $ 121,570 $ 66,000
Otsego, New York 107 $ 12,913,000 $ 120,682 $ 73,000
Rowan, North Carolina 107 $ 11,650,000 $ 108,878 $ 53,000
Bristol, Rhode Island 106 $ 23,810,000 $ 224,622 $ 92,000
Alexandria, Virginia 106 $ 21,975,000 $ 207,311 $ 89,000
Washington, Maryland 105 $ 15,800,000 $ 150,476 $ 63,000
Tuscaloosa, Alabama 104 $ 13,205,000 $ 126,971 $ 72,000
Kings, California 104 $ 15,607,000 $ 150,067 $ 81,000
Story, Iowa 104 $ 12,888,000 $ 123,923 $ 60,000
Butler, Pennsylvania 104 $ 13,251,000 $ 127,413 $ 71,000
Mifflin, Pennsylvania 104 $ 7,110,000 $ 68,365 $ 43,000
Erie, Ohio 103 $ 11,571,000 $ 112,339 $ 59,000
Washington, Minnesota 102 $ 20,304,000 $ 199,058 $ 76,000
Warren, New Jersey 102 $ 19,074,000 $ 187,000 $ 65,000
Ellis, Texas 102 $ 15,472,000 $ 151,686 $ 93,000
Outagamie, Wisconsin 101 $ 13,485,000 $ 133,514 $ 74,000
Christian, Missouri 100 $ 10,613,000 $ 106,130 $ 52,000
Cache, Utah 100 $ 12,211,000 $ 122,110 $ 49,000
Kendall, Illinois 99 $ 17,481,000 $ 176,575 $ 65,000
Jackson, Mississippi 99 $ 8,288,000 $ 83,717 $ 47,000
Lubbock, Texas 99 $ 12,460,000 $ 125,858 $ 109,000
Marathon, Wisconsin 99 $ 11,643,000 $ 117,606 $ 63,000
Steuben, Indiana 97 $ 12,476,000 $ 128,618 $ 77,000
Caddo, Louisiana 97 $ 8,513,000 $ 87,762 $ 48,000
Huron, Michigan 97 $ 10,202,000 $ 105,175 $ 58,000
Lafayette, Louisiana 96 $ 8,611,000 $ 89,697 $ 45,000
Ross, Ohio 96 $ 9,868,000 $ 102,791 $ 47,000
Monroe, Pennsylvania 96 $ 13,792,000 $ 143,666 $ 72,000
Yuba, California 95 $ 18,990,000 $ 199,894 $ 51,000
Van Buren, Michigan 95 $ 9,780,000 $ 102,947 $ 60,000
Hancock, Ohio 95 $ 10,706,000 $ 112,694 $ 48,000
Miami, Ohio 95 $ 10,739,000 $ 113,042 $ 59,000
Kanawha, West Virginia 95 $ 8,207,000 $ 86,389 $ 52,000
Door, Wisconsin 95 $ 18,711,000 $ 196,957 $ 118,000
Emmet, Michigan 94 $ 18,210,000 $ 193,723 $ 144,000
Mecosta, Michigan 94 $ 9,274,000 $ 98,659 $ 57,000
Jefferson, Idaho 93 $ 12,358,000 $ 132,881 $ 59,000
St. Mary's, Maryland 93 $ 15,789,000 $ 169,774 $ 74,000
Clay, Missouri 93 $ 12,932,000 $ 139,053 $ 57,000
Bingham, Idaho 92 $ 9,400,000 $ 102,173 $ 42,000
Madison, Indiana 92 $ 8,038,000 $ 87,369 $ 51,000
Clare, Michigan 92 $ 7,982,000 $ 86,760 $ 47,000
Chemung, New York 92 $ 6,826,000 $ 74,195 $ 51,000
Geauga, Ohio 92 $ 15,647,000 $ 170,076 $ 69,000
Kenton, Kentucky 91 $ 10,246,000 $ 112,593 $ 53,000
Sandoval, New Mexico 91 $ 13,634,000 $ 149,824 $ 90,000
Muskingum, Ohio 91 $ 8,641,000 $ 94,956 $ 45,000
Richmond City, Virginia 91 $ 11,777,000 $ 129,417 $ 69,000
Matanuska-Susitna, Alaska 90 $ 14,231,000 $ 158,122 $ 84,000
Richmond, Georgia 90 $ 7,131,000 $ 79,233 $ 54,000
Worcester, Maryland 90 $ 16,347,000 $ 181,633 $ 125,000
Cape Girardeau, Missouri 90 $ 9,569,000 $ 106,322 $ 51,000
Van Zandt, Texas 90 $ 10,332,000 $ 114,800 $ 71,000
Dallas, Iowa 89 $ 13,034,000 $ 146,449 $ 64,000
Carlton, Minnesota 89 $ 10,207,000 $ 114,685 $ 53,000
Cape May, New Jersey 88 $ 19,534,000 $ 221,977 $ 147,000
Rockwall, Texas 88 $ 16,825,000 $ 191,193 $ 100,000
Cheboygan, Michigan 87 $ 8,985,000 $ 103,275 $ 68,000
Warren, Missouri 87 $ 11,411,000 $ 131,160 $ 57,000
York, Maine 86 $ 16,689,000 $ 194,058 $ 100,000
Sullivan, Tennessee 86 $ 8,541,000 $ 99,313 $ 54,000
Chittenden, Vermont 86 $ 13,391,000 $ 155,709 $ 71,000
Chesapeake, Virginia 86 $ 14,110,000 $ 164,069 $ 69,000
Muscogee, Georgia 85 $ 8,874,000 $ 104,400 $ 43,000
Union, North Carolina 85 $ 12,805,000 $ 150,647 $ 63,000
Johnson, Texas 85 $ 10,249,000 $ 120,576 $ 72,000
Warren, Mississippi 84 $ 6,260,000 $ 74,523 $ 33,000
Berkeley, South Carolina 84 $ 12,112,000 $ 144,190 $ 71,000
Winnebago, Wisconsin 84 $ 11,401,000 $ 135,726 $ 67,000
Columbia, Georgia 83 $ 11,361,000 $ 136,879 $ 61,000
Tazewell, Illinois 83 $ 7,109,000 $ 85,650 $ 52,000
Camden, Missouri 83 $ 12,527,000 $ 150,927 $ 121,000
Cheshire, New Hampshire 82 $ 13,005,000 $ 158,597 $ 79,000
Warren, Iowa 81 $ 10,161,000 $ 125,444 $ 56,000
Oneida, New York 81 $ 7,737,000 $ 95,518 $ 55,000
Bradley, Tennessee 81 $ 9,591,000 $ 118,407 $ 64,000
Kauai, Hawaii 80 $ 24,261,000 $ 303,262 $ 129,000
Ascension, Louisiana 80 $ 9,869,000 $ 123,362 $ 54,000
Branch, Michigan 80 $ 7,567,000 $ 94,587 $ 61,000
Lewis, Washington 80 $ 10,382,000 $ 129,775 $ 59,000
DeKalb, Indiana 79 $ 8,504,000 $ 107,645 $ 46,000
Henry, Georgia 78 $ 12,581,000 $ 161,294 $ 77,000
Osceola, Michigan 78 $ 6,490,000 $ 83,205 $ 44,000
St. Joseph, Michigan 78 $ 7,263,000 $ 93,115 $ 50,000
Dauphin, Pennsylvania 77 $ 8,312,000 $ 107,948 $ 56,000
Bell, Texas 77 $ 9,515,000 $ 123,571 $ 82,000
Kaufman, Texas 77 $ 10,768,000 $ 139,844 $ 73,000
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Mortgage Loan Application Detail Totals for Flagstar Bank 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
Refinancing 159,753 $26,919,296,000 $151,673 $2,052,000 $69,826 $3,369,000
Home Purchase 111,351 $18,198,330,000 $154,673 $2,340,000 $73,192 $6,250,000
Home Improvement 1,730 $183,985,000 $112,891 $3,500,000 $94,630 $1,046,000

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 200,683 $32,877,435,000 $155,576 $3,500,000 $75,326 $6,250,000
Hispanic 21,936 $3,703,658,000 $143,666 $1,703,000 $63,176 $3,751,000
Black or African American 19,291 $2,676,883,000 $138,142 $2,340,000 $72,387 $3,100,000
Not Provided 17,784 $3,017,827,000 $148,884 $2,000,000 $72,596 $3,369,000
Asian 11,092 $2,643,120,000 $179,320 $1,974,000 $82,040 $1,800,000
Native Hawaiian or Other Pacific Islander 1,207 $238,477,000 $166,511 $1,610,000 $73,418 $1,003,000
American Indian or Alaskan Native 841 $144,211,000 $139,777 $1,393,000 $66,688 $1,896,000
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) 259,896 $43,867,199,000 $153,653 $3,500,000 $73,326 $6,250,000
FHA-insured (Federal Housing Administration) 11,496 $1,260,530,000 $121,733 $495,000 $45,733 $1,200,000
VA-guaranteed (Veterans Administration) 1,131 $147,376,000 $138,066 $303,000 $53,333 $265,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 311 $26,506,000 $81,500 $263,000 $32,500 $319,000

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 186,602 $31,006,391,000 $152,137 $2,048,000 $73,333 $5,256,000
Application Approved But Not Accepted 41,516 $6,910,512,000 $153,673 $3,500,000 $70,269 $6,250,000
Application Denied By Financial Institution 28,691 $4,504,273,000 $152,096 $2,340,000 $68,519 $3,934,000
Loan Purchased By The Institution 15,135 $2,746,960,000 $154,500 $675,000 $80,060 $2,314,000
File Closed For Incompleteness 842 $126,052,000 $140,687 $1,803,000 $77,333 $1,443,000
Application Withdrawn By Applicant 41 $6,721,000 $135,133 $960,000 $123,666 $699,000
Preapproval Denied by Financial Institution 7 $702,000 $100,000 $150,000 $41,000 $65,000
Preapproval Approved but not Accepted 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
Credit History 10,899 $1,564,556,000 $147,269 $2,000,000 $64,346 $2,200,000
Other 7,395 $1,240,545,000 $152,134 $2,052,000 $80,538 $3,934,000
Debt-To-Income Ratio 6,723 $1,127,562,000 $165,596 $2,000,000 $53,653 $960,000
Collateral 1,921 $277,616,000 $140,784 $2,000,000 $84,098 $1,896,000
Insufficient Cash (Downpayment, Closing Cost) 830 $131,539,000 $167,700 $2,340,000 $62,800 $803,000
Unverifiable Information 632 $116,269,000 $167,195 $1,120,000 $82,173 $1,709,000
Employment History 228 $34,944,000 $149,538 $1,000,000 $62,076 $1,311,000
Credit Application Incomplete 67 $11,494,000 $138,310 $675,000 $83,793 $472,000
Mortgage Insurance Denied 3 $450,000 $150,000 $200,000 $59,000 $72,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Flagstar Bank'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 Flagstar 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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