Flagstar Bank Mortgage Lending & HMDA Data, 2009

In 2009, Flagstar Bank of Troy, MI reported 232,565 mortgage applications totaling $49.5 billion, down 2% from 2008. The average application was for $212,748, and applicants reported an average income of $84,099. 56% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (8,073), Houston-Sugar Land-Baytown, TX (7,298) and Warren-Troy-Farmington Hills, MI (6,032) (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 232,565
Total Mortgage Loan Application Amount $49,477,967,000
Average Mortgage Loan Application Amount $212,748
Highest Mortgage Loan Application Amount $1,400,000
Average Applicant Income $84,099
Highest Applicant Income $6,697,000

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Act (HMDA) records Flagstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

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 8,073 $ 2,632,024,000 $ 326,027 $ 111,000
San Diego, California 4,722 $ 1,459,372,000 $ 309,058 $ 113,000
Harris, Texas 4,391 $ 780,176,000 $ 177,676 $ 100,000
King, Washington 4,239 $ 1,244,222,000 $ 293,517 $ 99,000
Orange, California 4,197 $ 1,500,627,000 $ 357,547 $ 127,000
Maricopa, Arizona 4,057 $ 768,282,000 $ 189,371 $ 86,000
Oakland, Michigan 2,981 $ 524,681,000 $ 176,008 $ 87,000
Santa Clara, California 2,721 $ 1,069,920,000 $ 393,208 $ 137,000
Wayne, Michigan 2,591 $ 326,320,000 $ 125,943 $ 60,000
Pima, Arizona 2,536 $ 482,621,000 $ 190,307 $ 74,000
Broward, Florida 2,483 $ 452,185,000 $ 182,112 $ 85,000
Riverside, California 2,360 $ 514,810,000 $ 218,139 $ 97,000
Cook, Illinois 2,253 $ 502,072,000 $ 222,845 $ 81,000
Miami-Dade, Florida 2,216 $ 411,993,000 $ 185,917 $ 86,000
Alameda, California 2,038 $ 714,986,000 $ 350,827 $ 121,000
Macomb, Michigan 1,953 $ 260,022,000 $ 133,139 $ 54,000
Pierce, Washington 1,823 $ 442,445,000 $ 242,701 $ 80,000
Snohomish, Washington 1,748 $ 474,289,000 $ 271,332 $ 89,000
Sacramento, California 1,639 $ 368,894,000 $ 225,072 $ 88,000
San Bernardino, California 1,635 $ 336,303,000 $ 205,689 $ 84,000
Clark, Nevada 1,510 $ 257,856,000 $ 170,765 $ 84,000
Ventura, California 1,495 $ 491,081,000 $ 328,482 $ 112,000
Contra Costa, California 1,489 $ 485,246,000 $ 325,887 $ 125,000
Dallas, Texas 1,427 $ 255,049,000 $ 178,730 $ 90,000
Palm Beach, Florida 1,405 $ 272,869,000 $ 194,212 $ 101,000
Tarrant, Texas 1,401 $ 245,657,000 $ 175,344 $ 89,000
Travis, Texas 1,377 $ 317,211,000 $ 230,363 $ 118,000
Kent, Michigan 1,352 $ 170,960,000 $ 126,449 $ 47,000
San Mateo, California 1,266 $ 532,997,000 $ 421,008 $ 134,000
St. Louis, Missouri 1,160 $ 200,153,000 $ 172,545 $ 70,000
Bexar, Texas 1,103 $ 181,081,000 $ 164,171 $ 80,000
Multnomah, Oregon 1,099 $ 261,747,000 $ 238,168 $ 87,000
Washtenaw, Michigan 1,039 $ 197,065,000 $ 189,667 $ 93,000
Fort Bend, Texas 1,037 $ 205,209,000 $ 197,887 $ 105,000
Salt Lake, Utah 1,011 $ 228,927,000 $ 226,436 $ 82,000
Mecklenburg, North Carolina 967 $ 179,079,000 $ 185,190 $ 70,000
San Francisco, California 961 $ 400,463,000 $ 416,714 $ 135,000
Fresno, California 955 $ 186,187,000 $ 194,960 $ 80,000
Providence, Rhode Island 950 $ 200,911,000 $ 211,485 $ 78,000
Collin, Texas 948 $ 197,474,000 $ 208,305 $ 106,000
Jefferson, Colorado 930 $ 222,042,000 $ 238,754 $ 94,000
Spokane, Washington 911 $ 167,117,000 $ 183,443 $ 76,000
Franklin, Ohio 884 $ 148,276,000 $ 167,733 $ 79,000
Denver, Colorado 878 $ 202,172,000 $ 230,264 $ 120,000
Hartford, Connecticut 861 $ 183,486,000 $ 213,108 $ 76,000
Nassau, New York 860 $ 279,068,000 $ 324,497 $ 112,000
Montgomery, Texas 854 $ 170,187,000 $ 199,282 $ 102,000
Suffolk, New York 834 $ 249,148,000 $ 298,738 $ 97,000
Denton, Texas 826 $ 166,600,000 $ 201,694 $ 96,000
Baltimore, Maryland 822 $ 188,877,000 $ 229,777 $ 76,000
Sonoma, California 817 $ 239,667,000 $ 293,350 $ 107,000
Arapahoe, Colorado 805 $ 178,091,000 $ 221,231 $ 88,000
Allen, Indiana 783 $ 107,612,000 $ 137,435 $ 65,000
Lee, Florida 760 $ 129,112,000 $ 169,884 $ 116,000
Ada, Idaho 730 $ 140,984,000 $ 193,128 $ 81,000
Marion, Indiana 726 $ 100,807,000 $ 138,852 $ 63,000
Orange, Florida 724 $ 127,985,000 $ 176,774 $ 72,000
Douglas, Colorado 722 $ 194,304,000 $ 269,119 $ 111,000
Fulton, Georgia 722 $ 153,805,000 $ 213,026 $ 97,000
Sedgwick, Kansas 708 $ 88,747,000 $ 125,348 $ 49,000
Hillsborough, Florida 701 $ 121,859,000 $ 173,835 $ 80,000
Douglas, Nebraska 653 $ 97,582,000 $ 149,436 $ 62,000
El Paso, Texas 652 $ 92,458,000 $ 141,806 $ 75,000
Gwinnett, Georgia 641 $ 118,837,000 $ 185,393 $ 67,000
Lake, Illinois 635 $ 117,096,000 $ 184,403 $ 69,000
Wake, North Carolina 631 $ 126,716,000 $ 200,817 $ 74,000
Ingham, Michigan 629 $ 73,528,000 $ 116,896 $ 53,000
Brevard, Florida 628 $ 99,746,000 $ 158,831 $ 71,000
Jackson, Michigan 627 $ 70,225,000 $ 112,001 $ 50,000
Milwaukee, Wisconsin 626 $ 92,013,000 $ 146,985 $ 48,000
Prince George's, Maryland 619 $ 162,947,000 $ 263,242 $ 70,000
Middlesex, Massachusetts 618 $ 182,092,000 $ 294,647 $ 96,000
Queens, New York 614 $ 205,911,000 $ 335,359 $ 90,000
Cuyahoga, Ohio 612 $ 81,635,000 $ 133,390 $ 59,000
Livingston, Michigan 599 $ 101,841,000 $ 170,018 $ 74,000
St. Charles, Missouri 594 $ 105,836,000 $ 178,175 $ 67,000
Placer, California 587 $ 164,916,000 $ 280,947 $ 121,000
Duval, Florida 571 $ 96,436,000 $ 168,889 $ 67,000
Clark, Washington 570 $ 126,083,000 $ 221,198 $ 83,000
Washington, Oregon 567 $ 141,683,000 $ 249,881 $ 88,000
Kings, New York 553 $ 221,208,000 $ 400,014 $ 104,000
Pinellas, Florida 552 $ 94,344,000 $ 170,913 $ 83,000
Williamson, Texas 538 $ 97,515,000 $ 181,254 $ 95,000
DeKalb, Georgia 537 $ 97,371,000 $ 181,324 $ 76,000
Allegheny, Pennsylvania 536 $ 80,083,000 $ 149,408 $ 73,000
Kern, California 532 $ 89,745,000 $ 168,693 $ 81,000
Cobb, Georgia 531 $ 102,965,000 $ 193,907 $ 73,000
Porter, Indiana 528 $ 88,964,000 $ 168,492 $ 61,000
New Haven, Connecticut 518 $ 114,261,000 $ 220,581 $ 80,000
Lake, Indiana 518 $ 80,349,000 $ 155,113 $ 59,000
Adams, Colorado 513 $ 99,334,000 $ 193,633 $ 64,000
Jackson, Missouri 512 $ 74,121,000 $ 144,767 $ 56,000
Greenville, South Carolina 510 $ 84,362,000 $ 165,415 $ 61,000
San Joaquin, California 508 $ 96,805,000 $ 190,561 $ 76,000
Anne Arundel, Maryland 494 $ 136,551,000 $ 276,419 $ 93,000
Bergen, New Jersey 494 $ 163,906,000 $ 331,793 $ 120,000
Dane, Wisconsin 494 $ 99,528,000 $ 201,473 $ 90,000
Shelby, Tennessee 482 $ 79,670,000 $ 165,290 $ 78,000
Fairfax, Virginia 482 $ 155,115,000 $ 321,815 $ 122,000
Hamilton, Indiana 478 $ 99,744,000 $ 208,669 $ 87,000
Larimer, Colorado 477 $ 106,256,000 $ 222,758 $ 90,000
Solano, California 475 $ 109,010,000 $ 229,494 $ 95,000
Kenosha, Wisconsin 471 $ 78,207,000 $ 166,044 $ 51,000
Clackamas, Oregon 457 $ 115,937,000 $ 253,691 $ 91,000
Philadelphia, Pennsylvania 457 $ 73,896,000 $ 161,698 $ 73,000
Middlesex, New Jersey 456 $ 128,760,000 $ 282,368 $ 103,000
Galveston, Texas 456 $ 81,356,000 $ 178,412 $ 102,000
Boulder, Colorado 453 $ 122,077,000 $ 269,485 $ 110,000
Fairfield, Connecticut 452 $ 138,279,000 $ 305,926 $ 104,000
Johnson, Kansas 446 $ 87,658,000 $ 196,542 $ 76,000
Worcester, Massachusetts 443 $ 98,661,000 $ 222,711 $ 66,000
Ottawa, Michigan 443 $ 65,011,000 $ 146,751 $ 50,000
Davidson, Tennessee 441 $ 80,055,000 $ 181,530 $ 83,000
Baltimore City, Maryland 440 $ 74,974,000 $ 170,395 $ 65,000
Kitsap, Washington 436 $ 110,857,000 $ 254,259 $ 89,000
Hennepin, Minnesota 435 $ 87,186,000 $ 200,427 $ 80,000
Yuma, Arizona 429 $ 56,841,000 $ 132,496 $ 42,000
Bernalillo, New Mexico 429 $ 82,406,000 $ 192,088 $ 77,000
Horry, South Carolina 424 $ 74,567,000 $ 175,865 $ 84,000
Pinal, Arizona 422 $ 62,926,000 $ 149,113 $ 69,000
Honolulu, Hawaii 417 $ 158,114,000 $ 379,170 $ 96,000
Brazoria, Texas 417 $ 69,877,000 $ 167,570 $ 93,000
Stanislaus, California 415 $ 66,126,000 $ 159,339 $ 73,000
Marion, Oregon 413 $ 81,620,000 $ 197,627 $ 71,000
DuPage, Illinois 408 $ 96,512,000 $ 236,549 $ 88,000
Essex, Massachusetts 405 $ 106,308,000 $ 262,488 $ 84,000
Montgomery, Maryland 402 $ 122,386,000 $ 304,442 $ 103,000
Richland, South Carolina 401 $ 66,690,000 $ 166,309 $ 61,000
Ocean, New Jersey 399 $ 100,677,000 $ 252,323 $ 87,000
Pennington, South Dakota 394 $ 65,042,000 $ 165,081 $ 58,000
Bristol, Massachusetts 387 $ 95,518,000 $ 246,816 $ 77,000
Jefferson, Alabama 384 $ 62,760,000 $ 163,437 $ 62,000
San Luis Obispo, California 380 $ 122,629,000 $ 322,707 $ 123,000
El Paso, Colorado 380 $ 83,845,000 $ 220,644 $ 71,000
St. Lucie, Florida 374 $ 49,114,000 $ 131,320 $ 68,000
Jefferson, Missouri 368 $ 56,328,000 $ 153,065 $ 53,000
Collier, Florida 365 $ 79,568,000 $ 217,994 $ 131,000
Thurston, Washington 357 $ 85,775,000 $ 240,266 $ 80,000
Genesee, Michigan 354 $ 43,634,000 $ 123,259 $ 55,000
Marin, California 346 $ 149,783,000 $ 432,898 $ 150,000
Norfolk, Massachusetts 344 $ 95,416,000 $ 277,372 $ 97,000
Polk, Iowa 343 $ 56,816,000 $ 165,644 $ 72,000
Benton, Washington 341 $ 63,659,000 $ 186,683 $ 88,000
Volusia, Florida 340 $ 53,565,000 $ 157,544 $ 80,000
Mohave, Arizona 339 $ 54,061,000 $ 159,471 $ 87,000
Washoe, Nevada 335 $ 72,870,000 $ 217,522 $ 80,000
Boone, Missouri 333 $ 51,653,000 $ 155,114 $ 56,000
Montgomery, Pennsylvania 330 $ 82,166,000 $ 248,987 $ 94,000
Lancaster, Pennsylvania 325 $ 55,510,000 $ 170,800 $ 66,000
Tulsa, Oklahoma 324 $ 51,182,000 $ 157,969 $ 65,000
St. Clair, Michigan 322 $ 43,746,000 $ 135,857 $ 56,000
Monmouth, New Jersey 318 $ 99,136,000 $ 311,748 $ 110,000
Sangamon, Illinois 317 $ 35,173,000 $ 110,955 $ 49,000
Will, Illinois 317 $ 66,804,000 $ 210,738 $ 74,000
Lane, Oregon 316 $ 68,849,000 $ 217,876 $ 96,000
Davis, Utah 315 $ 70,340,000 $ 223,301 $ 74,000
Charleston, South Carolina 314 $ 62,389,000 $ 198,691 $ 83,000
East Baton Rouge, Louisiana 311 $ 58,691,000 $ 188,717 $ 89,000
Jefferson, Louisiana 309 $ 48,875,000 $ 158,171 $ 71,000
Lexington, South Carolina 304 $ 50,156,000 $ 164,986 $ 65,000
Kent, Rhode Island 303 $ 64,403,000 $ 212,551 $ 83,000
St. Tammany, Louisiana 298 $ 59,546,000 $ 199,818 $ 91,000
Eaton, Michigan 298 $ 39,227,000 $ 131,634 $ 48,000
Santa Fe, New Mexico 297 $ 74,849,000 $ 252,016 $ 109,000
Rockingham, New Hampshire 295 $ 71,738,000 $ 243,179 $ 91,000
Bucks, Pennsylvania 292 $ 74,966,000 $ 256,732 $ 93,000
York, South Carolina 292 $ 52,002,000 $ 178,089 $ 64,000
Essex, New Jersey 287 $ 85,891,000 $ 299,271 $ 97,000
Utah, Utah 286 $ 63,084,000 $ 220,573 $ 72,000
Yakima, Washington 286 $ 52,318,000 $ 182,930 $ 88,000
Hudson, New Jersey 284 $ 87,733,000 $ 308,919 $ 113,000
Weld, Colorado 283 $ 64,749,000 $ 228,795 $ 80,000
Martin, Florida 283 $ 51,535,000 $ 182,102 $ 90,000
Orange, New York 283 $ 68,806,000 $ 243,130 $ 87,000
Hamilton, Ohio 280 $ 41,534,000 $ 148,335 $ 55,000
Humboldt, California 279 $ 63,472,000 $ 227,498 $ 80,000
Seminole, Florida 278 $ 51,602,000 $ 185,618 $ 75,000
Sarasota, Florida 276 $ 49,400,000 $ 178,985 $ 92,000
El Dorado, California 275 $ 83,737,000 $ 304,498 $ 112,000
District of Columbia, District Of Columbia 275 $ 82,626,000 $ 300,458 $ 104,000
Westchester, New York 274 $ 96,771,000 $ 353,178 $ 133,000
Hillsborough, New Hampshire 273 $ 58,809,000 $ 215,417 $ 80,000
Polk, Florida 270 $ 36,720,000 $ 136,000 $ 64,000
Lucas, Ohio 263 $ 33,520,000 $ 127,452 $ 52,000
Hidalgo, Texas 263 $ 39,467,000 $ 150,064 $ 81,000
Monterey, California 262 $ 74,552,000 $ 284,549 $ 101,000
Union, New Jersey 257 $ 72,629,000 $ 282,603 $ 92,000
Pasco, Florida 254 $ 40,620,000 $ 159,921 $ 69,000
Sarpy, Nebraska 254 $ 39,239,000 $ 154,484 $ 58,000
Racine, Wisconsin 253 $ 39,008,000 $ 154,181 $ 46,000
Hays, Texas 251 $ 49,719,000 $ 198,083 $ 94,000
Orleans, Louisiana 250 $ 45,120,000 $ 180,480 $ 86,000
Washington, Rhode Island 250 $ 64,144,000 $ 256,576 $ 105,000
Cherokee, Georgia 248 $ 50,810,000 $ 204,879 $ 77,000
Waukesha, Wisconsin 247 $ 57,071,000 $ 231,056 $ 87,000
Harford, Maryland 244 $ 61,371,000 $ 251,520 $ 81,000
Spartanburg, South Carolina 244 $ 36,694,000 $ 150,385 $ 63,000
Summit, Ohio 243 $ 38,324,000 $ 157,711 $ 69,000
St. Louis City, Missouri 241 $ 33,207,000 $ 137,788 $ 57,000
Aiken, South Carolina 241 $ 39,366,000 $ 163,344 $ 66,000
Plymouth, Massachusetts 239 $ 64,083,000 $ 268,129 $ 78,000
Whatcom, Washington 239 $ 57,818,000 $ 241,916 $ 80,000
Windham, Connecticut 238 $ 45,968,000 $ 193,142 $ 67,000
Tolland, Connecticut 236 $ 52,352,000 $ 221,830 $ 70,000
Morris, New Jersey 236 $ 77,055,000 $ 326,504 $ 110,000
Madera, California 233 $ 37,210,000 $ 159,699 $ 72,000
Butte, California 232 $ 48,565,000 $ 209,331 $ 80,000
Brown, Wisconsin 232 $ 36,428,000 $ 157,017 $ 61,000
Union, North Carolina 231 $ 51,095,000 $ 221,190 $ 73,000
St. Johns, Florida 229 $ 50,844,000 $ 222,026 $ 94,000
Santa Cruz, California 226 $ 85,675,000 $ 379,092 $ 138,000
Berrien, Michigan 225 $ 36,552,000 $ 162,453 $ 71,000
Williamson, Tennessee 223 $ 57,796,000 $ 259,174 $ 101,000
Weber, Utah 221 $ 39,814,000 $ 180,153 $ 63,000
Passaic, New Jersey 220 $ 60,479,000 $ 274,904 $ 94,000
Tulare, California 217 $ 38,630,000 $ 178,018 $ 68,000
Island, Washington 217 $ 56,461,000 $ 260,188 $ 100,000
Terrebonne, Louisiana 216 $ 35,092,000 $ 162,462 $ 66,000
Merced, California 215 $ 25,356,000 $ 117,934 $ 58,000
New Castle, Delaware 215 $ 49,198,000 $ 228,827 $ 73,000
Canyon, Idaho 214 $ 32,791,000 $ 153,228 $ 65,000
Delaware, Pennsylvania 214 $ 39,569,000 $ 184,901 $ 76,000
Prince William, Virginia 213 $ 58,394,000 $ 274,150 $ 79,000
Rutherford, Tennessee 210 $ 35,326,000 $ 168,219 $ 58,000
Lancaster, Nebraska 209 $ 31,421,000 $ 150,339 $ 60,000
Burlington, New Jersey 209 $ 46,497,000 $ 222,473 $ 81,000
Santa Barbara, California 208 $ 59,950,000 $ 288,221 $ 116,000
Deschutes, Oregon 206 $ 46,846,000 $ 227,407 $ 107,000
Skagit, Washington 206 $ 47,499,000 $ 230,577 $ 72,000
Hampden, Massachusetts 205 $ 35,540,000 $ 173,365 $ 56,000
Clay, Missouri 205 $ 33,868,000 $ 165,209 $ 64,000
Virginia Beach, Virginia 205 $ 47,631,000 $ 232,346 $ 69,000
Shelby, Alabama 204 $ 37,662,000 $ 184,617 $ 73,000
Suffolk, Massachusetts 204 $ 56,959,000 $ 279,210 $ 86,000
Cameron, Texas 204 $ 35,900,000 $ 175,980 $ 147,000
Montgomery, Ohio 203 $ 26,366,000 $ 129,881 $ 44,000
Chesterfield, Virginia 203 $ 44,164,000 $ 217,556 $ 62,000
Delaware, Ohio 202 $ 48,408,000 $ 239,643 $ 105,000
Kalamazoo, Michigan 201 $ 30,305,000 $ 150,771 $ 55,000
Muskegon, Michigan 200 $ 22,627,000 $ 113,135 $ 64,000
Forsyth, Georgia 199 $ 49,393,000 $ 248,206 $ 95,000
Shasta, California 198 $ 41,458,000 $ 209,383 $ 77,000
Alachua, Florida 198 $ 35,815,000 $ 180,883 $ 86,000
Madison, Alabama 195 $ 35,926,000 $ 184,235 $ 82,000
Pulaski, Arkansas 195 $ 29,239,000 $ 149,943 $ 66,000
Escambia, Florida 195 $ 27,839,000 $ 142,764 $ 63,000
Richmond, New York 195 $ 63,565,000 $ 325,974 $ 108,000
Butler, Ohio 195 $ 33,310,000 $ 170,820 $ 60,000
Washington, Utah 194 $ 40,489,000 $ 208,706 $ 92,000
Yavapai, Arizona 193 $ 41,275,000 $ 213,860 $ 77,000
Howard, Maryland 193 $ 58,060,000 $ 300,829 $ 108,000
Marion, Florida 191 $ 26,032,000 $ 136,293 $ 57,000
Monroe, Florida 191 $ 54,880,000 $ 287,329 $ 168,000
Berkeley, South Carolina 191 $ 31,895,000 $ 166,989 $ 48,000
Osceola, Florida 190 $ 28,594,000 $ 150,494 $ 70,000
Manatee, Florida 188 $ 35,781,000 $ 190,324 $ 94,000
Cabarrus, North Carolina 188 $ 32,849,000 $ 174,728 $ 63,000
Ramsey, Minnesota 187 $ 34,233,000 $ 183,064 $ 70,000
Leon, Florida 185 $ 34,254,000 $ 185,156 $ 77,000
McHenry, Illinois 185 $ 38,245,000 $ 206,729 $ 66,000
Bronx, New York 185 $ 59,664,000 $ 322,508 $ 91,000
Oklahoma, Oklahoma 185 $ 29,125,000 $ 157,432 $ 75,000
Knox, Tennessee 185 $ 32,132,000 $ 173,686 $ 65,000
Nueces, Texas 183 $ 27,644,000 $ 151,060 $ 76,000
Camden, New Jersey 182 $ 32,035,000 $ 176,016 $ 69,000
Rockland, New York 182 $ 59,916,000 $ 329,208 $ 117,000
Hendricks, Indiana 181 $ 30,040,000 $ 165,966 $ 66,000
Henrico, Virginia 181 $ 38,989,000 $ 215,408 $ 69,000
Outagamie, Wisconsin 181 $ 28,572,000 $ 157,856 $ 57,000
Nevada, California 180 $ 50,674,000 $ 281,522 $ 126,000
Chatham, Georgia 180 $ 30,002,000 $ 166,677 $ 68,000
Guilford, North Carolina 180 $ 29,922,000 $ 166,233 $ 57,000
New Hanover, North Carolina 178 $ 36,046,000 $ 202,505 $ 78,000
Lapeer, Michigan 177 $ 27,490,000 $ 155,310 $ 53,000
Wood, West Virginia 177 $ 17,989,000 $ 101,632 $ 47,000
Monroe, Michigan 176 $ 26,221,000 $ 148,982 $ 54,000
Dakota, Minnesota 176 $ 36,791,000 $ 209,039 $ 70,000
Middlesex, Connecticut 175 $ 42,509,000 $ 242,908 $ 82,000
Somerset, New Jersey 175 $ 52,333,000 $ 299,045 $ 103,000
Cumberland, North Carolina 174 $ 26,333,000 $ 151,339 $ 54,000
Kane, Illinois 173 $ 38,154,000 $ 220,543 $ 80,000
Frederick, Maryland 172 $ 48,210,000 $ 280,290 $ 88,000
Ellis, Texas 172 $ 29,658,000 $ 172,430 $ 93,000
Allegan, Michigan 171 $ 24,964,000 $ 145,988 $ 55,000
York, Pennsylvania 171 $ 33,063,000 $ 193,350 $ 72,000
Saginaw, Michigan 169 $ 16,798,000 $ 99,396 $ 46,000
Durham, North Carolina 168 $ 29,277,000 $ 174,267 $ 62,000
Klamath, Oregon 168 $ 27,816,000 $ 165,571 $ 69,000
Chester, Pennsylvania 168 $ 43,985,000 $ 261,815 $ 102,000
Greene, Missouri 167 $ 22,766,000 $ 136,323 $ 53,000
Berks, Pennsylvania 167 $ 28,882,000 $ 172,946 $ 72,000
Mobile, Alabama 163 $ 24,694,000 $ 151,496 $ 56,000
Sevier, Tennessee 163 $ 27,929,000 $ 171,343 $ 76,000
Burleigh, North Dakota 162 $ 26,052,000 $ 160,814 $ 77,000
Mesa, Colorado 161 $ 34,478,000 $ 214,149 $ 63,000
Fayette, Kentucky 161 $ 24,754,000 $ 153,751 $ 66,000
Douglas, Oregon 161 $ 30,914,000 $ 192,012 $ 73,000
Hawaii, Hawaii 160 $ 46,201,000 $ 288,756 $ 119,000
New London, Connecticut 159 $ 35,581,000 $ 223,779 $ 69,000
Henry, Georgia 159 $ 27,934,000 $ 175,685 $ 76,000
Napa, California 155 $ 52,408,000 $ 338,116 $ 116,000
Madison, Illinois 155 $ 22,031,000 $ 142,135 $ 57,000
Carroll, Maryland 155 $ 41,457,000 $ 267,464 $ 87,000
Anchorage, Alaska 154 $ 43,699,000 $ 283,759 $ 89,000
Shawnee, Kansas 152 $ 22,158,000 $ 145,776 $ 85,000
Chelan, Washington 152 $ 35,001,000 $ 230,269 $ 97,000
Lake, Florida 151 $ 26,174,000 $ 173,337 $ 70,000
Atlantic, New Jersey 151 $ 31,046,000 $ 205,602 $ 88,000
Bell, Texas 151 $ 21,770,000 $ 144,172 $ 58,000
Saratoga, New York 150 $ 29,772,000 $ 198,480 $ 85,000
Comal, Texas 150 $ 33,532,000 $ 223,546 $ 108,000
DeSoto, Mississippi 149 $ 24,417,000 $ 163,872 $ 68,000
Loudoun, Virginia 149 $ 44,795,000 $ 300,637 $ 101,000
Litchfield, Connecticut 148 $ 33,344,000 $ 225,297 $ 84,000
Bonneville, Idaho 148 $ 26,301,000 $ 177,709 $ 75,000
St. Clair, Illinois 148 $ 22,515,000 $ 152,128 $ 56,000
Indian River, Florida 147 $ 21,766,000 $ 148,068 $ 79,000
Gaston, North Carolina 147 $ 22,443,000 $ 152,673 $ 69,000
Westmoreland, Pennsylvania 147 $ 22,194,000 $ 150,979 $ 68,000
Baldwin, Alabama 146 $ 31,004,000 $ 212,356 $ 113,000
Forsyth, North Carolina 146 $ 22,688,000 $ 155,397 $ 52,000
Paulding, Georgia 145 $ 22,918,000 $ 158,055 $ 52,000
Dorchester, South Carolina 144 $ 25,380,000 $ 176,250 $ 50,000
Hamilton, Tennessee 141 $ 24,862,000 $ 176,326 $ 84,000
Washington, Minnesota 139 $ 30,526,000 $ 219,611 $ 78,000
Cache, Utah 139 $ 25,429,000 $ 182,942 $ 66,000
Winnebago, Wisconsin 139 $ 20,841,000 $ 149,935 $ 56,000
Fairfield, Ohio 138 $ 24,128,000 $ 174,840 $ 64,000
Yolo, California 137 $ 36,491,000 $ 266,357 $ 108,000
Lorain, Ohio 137 $ 23,172,000 $ 169,138 $ 64,000
Warren, Ohio 137 $ 25,988,000 $ 189,693 $ 69,000
Berkeley, West Virginia 137 $ 27,190,000 $ 198,467 $ 51,000
Cowlitz, Washington 136 $ 25,844,000 $ 190,029 $ 74,000
Clay, Florida 135 $ 24,119,000 $ 178,659 $ 54,000
Maui, Hawaii 135 $ 48,058,000 $ 355,985 $ 147,000
Erie, New York 135 $ 19,563,000 $ 144,911 $ 73,000
LaPorte, Indiana 134 $ 17,943,000 $ 133,902 $ 46,000
Mercer, New Jersey 134 $ 30,978,000 $ 231,179 $ 118,000
Caddo, Louisiana 131 $ 18,050,000 $ 137,786 $ 54,000
Dutchess, New York 131 $ 30,612,000 $ 233,679 $ 80,000
Iredell, North Carolina 131 $ 28,130,000 $ 214,732 $ 77,000
Clinton, Michigan 130 $ 20,822,000 $ 160,169 $ 59,000
Ward, North Dakota 130 $ 21,265,000 $ 163,576 $ 70,000
Monroe, Pennsylvania 130 $ 24,127,000 $ 185,592 $ 66,000
Bristol, Rhode Island 130 $ 33,073,000 $ 254,407 $ 95,000
Washington, Pennsylvania 129 $ 21,514,000 $ 166,775 $ 77,000
Hall, Georgia 128 $ 24,206,000 $ 189,109 $ 79,000
Pitt, North Carolina 128 $ 19,788,000 $ 154,593 $ 59,000
Lehigh, Pennsylvania 127 $ 23,408,000 $ 184,314 $ 58,000
Faulkner, Arkansas 126 $ 16,479,000 $ 130,785 $ 62,000
Park, Montana 126 $ 24,067,000 $ 191,007 $ 73,000
Sussex, Delaware 125 $ 28,479,000 $ 227,832 $ 99,000
Kootenai, Idaho 125 $ 25,367,000 $ 202,936 $ 76,000
Clayton, Georgia 123 $ 15,122,000 $ 122,943 $ 43,000
Lafayette, Louisiana 123 $ 19,847,000 $ 161,357 $ 75,000
Anoka, Minnesota 123 $ 24,038,000 $ 195,430 $ 60,000
Gloucester, New Jersey 123 $ 27,313,000 $ 222,056 $ 80,000
Columbia, Georgia 122 $ 22,517,000 $ 184,565 $ 72,000
La Plata, Colorado 121 $ 31,935,000 $ 263,925 $ 94,000
Bannock, Idaho 121 $ 17,777,000 $ 146,917 $ 83,000
Polk, Oregon 121 $ 25,624,000 $ 211,768 $ 68,000
Barnstable, Massachusetts 120 $ 32,668,000 $ 272,233 $ 119,000
Sandoval, New Mexico 119 $ 24,995,000 $ 210,042 $ 72,000
Richland, Ohio 118 $ 14,230,000 $ 120,593 $ 51,000
Cass, Missouri 117 $ 16,177,000 $ 138,264 $ 50,000
Clatsop, Oregon 116 $ 26,431,000 $ 227,853 $ 83,000
Bay, Florida 114 $ 20,902,000 $ 183,350 $ 92,000
Douglas, Georgia 114 $ 17,218,000 $ 151,035 $ 56,000
Ascension, Louisiana 114 $ 22,850,000 $ 200,438 $ 89,000
Buncombe, North Carolina 114 $ 22,218,000 $ 194,894 $ 68,000
Northampton, Pennsylvania 114 $ 23,559,000 $ 206,657 $ 67,000
New York, New York 112 $ 41,140,000 $ 367,321 $ 196,000
Johnston, North Carolina 112 $ 18,392,000 $ 164,214 $ 57,000
Dauphin, Pennsylvania 112 $ 19,164,000 $ 171,107 $ 74,000
Parker, Texas 112 $ 20,473,000 $ 182,794 $ 88,000
Charlotte, Florida 111 $ 16,131,000 $ 145,324 $ 102,000
Lake, Ohio 111 $ 16,633,000 $ 149,846 $ 53,000
Summit, Colorado 110 $ 31,287,000 $ 284,427 $ 162,000
Johnson, Indiana 110 $ 17,223,000 $ 156,572 $ 56,000
Missoula, Montana 110 $ 24,967,000 $ 226,972 $ 100,000
Licking, Ohio 110 $ 18,192,000 $ 165,381 $ 67,000
Johnson, Texas 110 $ 18,355,000 $ 166,863 $ 76,000
Flagler, Florida 109 $ 17,581,000 $ 161,293 $ 89,000
Medina, Ohio 107 $ 19,046,000 $ 178,000 $ 59,000
St. Joseph, Indiana 106 $ 13,652,000 $ 128,792 $ 48,000
Lenawee, Michigan 106 $ 14,274,000 $ 134,660 $ 55,000
Calhoun, Alabama 105 $ 14,721,000 $ 140,200 $ 64,000
Santa Cruz, Arizona 105 $ 17,150,000 $ 163,333 $ 58,000
Lafourche, Louisiana 105 $ 16,286,000 $ 155,104 $ 64,000
Sumner, Tennessee 105 $ 21,148,000 $ 201,409 $ 66,000
Portage, Ohio 104 $ 14,849,000 $ 142,778 $ 47,000
Benton, Arkansas 103 $ 18,668,000 $ 181,242 $ 107,000
Kings, California 102 $ 18,173,000 $ 178,166 $ 62,000
Vanderburgh, Indiana 102 $ 12,822,000 $ 125,705 $ 50,000
Barry, Michigan 102 $ 12,980,000 $ 127,254 $ 42,000
Madison, Idaho 101 $ 17,169,000 $ 169,990 $ 85,000
Jefferson, Kentucky 101 $ 15,698,000 $ 155,425 $ 65,000
Yellowstone, Montana 101 $ 16,484,000 $ 163,207 $ 71,000
Ionia, Michigan 100 $ 11,815,000 $ 118,150 $ 39,000
Cumberland, Pennsylvania 100 $ 19,313,000 $ 193,130 $ 76,000
Putnam, Tennessee 100 $ 16,076,000 $ 160,760 $ 68,000
Washington, Tennessee 100 $ 17,043,000 $ 170,430 $ 71,000
Franklin, Washington 100 $ 17,173,000 $ 171,730 $ 74,000
Okaloosa, Florida 99 $ 17,684,000 $ 178,626 $ 85,000
Boone, Indiana 99 $ 22,955,000 $ 231,868 $ 99,000
Jackson, Oregon 99 $ 20,768,000 $ 209,777 $ 87,000
Richmond, Georgia 98 $ 12,648,000 $ 129,061 $ 48,000
Charles, Maryland 98 $ 30,035,000 $ 306,479 $ 72,000
Albany, New York 98 $ 16,934,000 $ 172,795 $ 75,000
Brunswick, North Carolina 98 $ 20,539,000 $ 209,581 $ 91,000
Beaufort, South Carolina 97 $ 23,204,000 $ 239,216 $ 101,000
Stark, Ohio 96 $ 13,575,000 $ 141,406 $ 59,000
Jefferson, Texas 96 $ 11,755,000 $ 122,447 $ 110,000
Hernando, Florida 95 $ 13,809,000 $ 145,357 $ 58,000
Monroe, New York 95 $ 15,154,000 $ 159,515 $ 87,000
Chesapeake, Virginia 95 $ 23,515,000 $ 247,526 $ 61,000
Newport News, Virginia 95 $ 17,400,000 $ 183,157 $ 53,000
Montgomery, Alabama 94 $ 15,558,000 $ 165,510 $ 61,000
Woodbury, Iowa 94 $ 9,336,000 $ 99,319 $ 40,000
Calhoun, Michigan 94 $ 10,520,000 $ 111,914 $ 56,000
Sussex, New Jersey 94 $ 24,359,000 $ 259,138 $ 85,000
Lee, Alabama 93 $ 17,880,000 $ 192,258 $ 72,000
Mason, Washington 93 $ 20,809,000 $ 223,752 $ 70,000
Pottawattamie, Iowa 92 $ 12,579,000 $ 136,728 $ 50,000
Ellis, Kansas 92 $ 12,592,000 $ 136,869 $ 54,000
Lincoln, New Mexico 92 $ 17,260,000 $ 187,608 $ 123,000
York, Maine 90 $ 19,680,000 $ 218,666 $ 86,000
Franklin, Missouri 90 $ 12,885,000 $ 143,166 $ 48,000
Franklin, Pennsylvania 90 $ 18,822,000 $ 209,133 $ 66,000
Meade, South Dakota 90 $ 16,548,000 $ 183,866 $ 65,000
Cochise, Arizona 89 $ 15,074,000 $ 169,370 $ 58,000
Clermont, Ohio 89 $ 13,443,000 $ 151,044 $ 52,000
Anderson, South Carolina 89 $ 13,053,000 $ 146,662 $ 57,000
Kent, Delaware 87 $ 17,453,000 $ 200,609 $ 65,000
Santa Rosa, Florida 87 $ 17,046,000 $ 195,931 $ 75,000
Sullivan, Tennessee 87 $ 13,425,000 $ 154,310 $ 72,000
Platte, Missouri 86 $ 14,534,000 $ 169,000 $ 74,000
Butler, Pennsylvania 86 $ 15,542,000 $ 180,720 $ 77,000
Brazos, Texas 86 $ 14,147,000 $ 164,500 $ 115,000
Rockwall, Texas 86 $ 16,661,000 $ 193,732 $ 126,000
Navajo, Arizona 85 $ 16,307,000 $ 191,847 $ 89,000
Winnebago, Illinois 85 $ 11,109,000 $ 130,694 $ 59,000
Washington, Maryland 85 $ 17,868,000 $ 210,211 $ 57,000
Gallatin, Montana 85 $ 18,747,000 $ 220,552 $ 100,000
Wilson, Tennessee 85 $ 16,547,000 $ 194,670 $ 65,000
Webb, Texas 85 $ 11,527,000 $ 135,611 $ 65,000
Washington, Wisconsin 85 $ 17,827,000 $ 209,729 $ 65,000
Black Hawk, Iowa 83 $ 14,162,000 $ 170,626 $ 77,000
Shiawassee, Michigan 83 $ 10,536,000 $ 126,939 $ 51,000
Linn, Oregon 83 $ 15,525,000 $ 187,048 $ 72,000
Broomfield, Colorado 82 $ 20,071,000 $ 244,768 $ 97,000
Eagle, Colorado 82 $ 29,219,000 $ 356,329 $ 137,000
Carlton, Minnesota 82 $ 11,306,000 $ 137,878 $ 58,000
Dona Ana, New Mexico 82 $ 15,280,000 $ 186,341 $ 75,000
Montgomery, Tennessee 82 $ 12,731,000 $ 155,256 $ 45,000
Rock, Wisconsin 82 $ 13,292,000 $ 162,097 $ 82,000
Walworth, Wisconsin 82 $ 14,667,000 $ 178,865 $ 73,000
Arlington, Virginia 81 $ 29,077,000 $ 358,975 $ 128,000
Campbell, Wyoming 81 $ 16,884,000 $ 208,444 $ 81,000
Coconino, Arizona 80 $ 19,544,000 $ 244,300 $ 113,000
Midland, Michigan 80 $ 10,073,000 $ 125,912 $ 51,000
Tehama, California 79 $ 13,950,000 $ 176,582 $ 72,000
Bossier, Louisiana 79 $ 13,361,000 $ 169,126 $ 68,000
Calvert, Maryland 79 $ 22,962,000 $ 290,658 $ 77,000
Cecil, Maryland 79 $ 20,201,000 $ 255,708 $ 75,000
Catawba, North Carolina 79 $ 13,834,000 $ 175,113 $ 59,000
Davidson, North Carolina 79 $ 12,502,000 $ 158,253 $ 50,000
Douglas, Washington 79 $ 17,879,000 $ 226,316 $ 74,000
St. Clair, Alabama 78 $ 12,029,000 $ 154,217 $ 53,000
Rockdale, Georgia 78 $ 12,842,000 $ 164,641 $ 67,000
Newport, Rhode Island 78 $ 22,052,000 $ 282,717 $ 126,000
Kaufman, Texas 78 $ 12,176,000 $ 156,102 $ 78,000
McLennan, Texas 78 $ 13,414,000 $ 171,974 $ 95,000
Iron, Utah 78 $ 12,991,000 $ 166,551 $ 64,000
Tuscola, Michigan 77 $ 8,419,000 $ 109,337 $ 34,000
Orange, North Carolina 77 $ 18,094,000 $ 234,987 $ 100,000
Saline, Arkansas 76 $ 11,225,000 $ 147,697 $ 60,000
Lincoln, Missouri 76 $ 12,574,000 $ 165,447 $ 54,000
Grayson, Texas 76 $ 11,923,000 $ 156,881 $ 77,000
Guadalupe, Texas 76 $ 13,736,000 $ 180,736 $ 74,000
Wyandotte, Kansas 75 $ 8,961,000 $ 119,480 $ 48,000
Boyd, Kentucky 75 $ 8,251,000 $ 110,013 $ 41,000
Norfolk, Virginia 75 $ 13,809,000 $ 184,120 $ 50,000
Pueblo, Colorado 74 $ 12,977,000 $ 175,364 $ 74,000
St. Louis, Minnesota 74 $ 11,288,000 $ 152,540 $ 61,000
Christian, Missouri 74 $ 10,586,000 $ 143,054 $ 48,000
Pickens, South Carolina 74 $ 12,543,000 $ 169,500 $ 64,000
Monongalia, West Virginia 74 $ 13,517,000 $ 182,662 $ 69,000
Garland, Arkansas 73 $ 11,102,000 $ 152,082 $ 65,000
Story, Iowa 73 $ 11,547,000 $ 158,178 $ 70,000
Grand Traverse, Michigan 73 $ 13,028,000 $ 178,465 $ 88,000
Hughes, South Dakota 73 $ 11,117,000 $ 152,287 $ 86,000
Talladega, Alabama 72 $ 10,321,000 $ 143,347 $ 60,000
Lake, California 72 $ 14,737,000 $ 204,680 $ 106,000
Taos, New Mexico 72 $ 15,867,000 $ 220,375 $ 94,000
Rowan, North Carolina 72 $ 11,067,000 $ 153,708 $ 56,000
Minnehaha, South Dakota 72 $ 10,984,000 $ 152,555 $ 54,000
Bartow, Georgia 71 $ 11,207,000 $ 157,845 $ 64,000
Merrimack, New Hampshire 71 $ 15,436,000 $ 217,408 $ 83,000
Strafford, New Hampshire 71 $ 14,048,000 $ 197,859 $ 84,000
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Mortgage Loan Application Detail Totals for Flagstar Bank in 2009

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 145,693 $33,253,178,000 $228,000 $1,129,000 $85,000 $6,697,000
Home Purchase 82,217 $15,212,643,000 $185,000 $1,400,000 $82,000 $6,464,000
Home Improvement 4,655 $1,012,146,000 $217,000 $801,000 $93,000 $1,056,000

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 163,427 $34,535,172,000 $211,000 $1,400,000 $87,000 $6,697,000
Not Provided 21,889 $5,006,157,000 $228,000 $978,000 $85,000 $6,494,000
Hispanic 19,303 $3,573,595,000 $185,000 $900,000 $66,000 $2,330,000
Black or African American 14,577 $2,562,292,000 $175,000 $1,129,000 $57,000 $2,885,000
Asian 11,831 $3,436,714,000 $290,000 $1,100,000 $107,000 $2,198,000
Native Hawaiian or Other Pacific Islander 873 $225,108,000 $257,000 $730,000 $85,000 $1,745,000
American Indian or Alaskan Native 664 $138,429,000 $208,000 $687,000 $79,000 $849,000
Not applicable 1 $500,000 $500,000 $500,000 $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) 134,044 $31,793,075,000 $237,000 $1,139,000 $107,000 $6,697,000
FHA-insured (Federal Housing Administration) 85,055 $15,095,258,000 $177,000 $1,400,000 $53,000 $5,379,000
VA-guaranteed (Veterans Administration) 10,962 $2,283,708,000 $208,000 $1,109,000 $55,000 $654,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,504 $305,926,000 $122,000 $423,000 $44,000 $188,000

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 131,186 $27,893,181,000 $212,000 $1,109,000 $85,000 $5,379,000
Application Approved But Not Accepted 43,319 $9,820,792,000 $226,000 $1,000,000 $89,000 $6,697,000
Application Denied By Financial Institution 30,840 $6,501,498,000 $210,000 $1,400,000 $85,000 $6,494,000
Loan Purchased By The Institution 21,664 $4,315,592,000 $199,000 $1,040,000 $76,000 $2,885,000
Preapproval Approved but not Accepted 3,577 $607,882,000 $169,000 $891,000 $63,000 $701,000
Preapproval Denied by Financial Institution 1,770 $291,818,000 $164,000 $730,000 $57,000 $780,000
File Closed For Incompleteness 209 $47,204,000 $225,000 $785,000 $102,000 $1,643,000
Application Withdrawn By Applicant 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
Debt-To-Income Ratio 11,365 $2,469,062,000 $217,000 $1,400,000 $60,000 $1,200,000
Collateral 7,554 $1,661,615,000 $219,000 $1,139,000 $99,000 $2,330,000
Other 5,150 $1,051,140,000 $204,000 $1,000,000 $119,000 $6,494,000
Credit History 4,840 $819,896,000 $169,000 $781,000 $66,000 $1,252,000
Unverifiable Information 2,149 $462,291,000 $215,000 $1,100,000 $104,000 $2,770,000
Mortgage Insurance Denied 726 $180,208,000 $248,000 $729,000 $97,000 $1,461,000
Employment History 436 $74,101,000 $169,000 $799,000 $60,000 $404,000
Insufficient Cash (Downpayment, Closing Cost) 336 $63,551,000 $189,000 $668,000 $102,000 $1,497,000
Credit Application Incomplete 54 $11,452,000 $212,000 $623,000 $114,000 $810,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Flagstar Bank's 2009 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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