Gmac Bank Mortgage Lending & HMDA Data, 2005

In 2005, Gmac Bank of Horsham, PA reported 176,409 mortgage applications totaling $30.9 billion, up 25% from 2004. The average application was for $175,216, and applicants reported an average income of $57,132. 53% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville-Joliet, IL (9,212), Phoenix-Mesa-Scottsdale, AZ (7,755) and Los Angeles-Long Beach-Glendale, CA (4,591) (applications in parentheses).

Mortgage Company & Address Gmac Bank
4 Walnut Grove
Horsham, PA 19044
Tel #: available with data download
Federal Regulator * available with data download
Years 2005  2004  2003  
Total Number of Mortgage Applications 176,409
Total Mortgage Loan Application Amount $30,909,707,000
Average Mortgage Loan Application Amount $175,216
Highest Mortgage Loan Application Amount $3,100,000
Average Applicant Income $57,132
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gmac Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Gmac Bank by County in 2005

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Maricopa, Arizona 7,190 $ 1,424,003,000 $ 198,053 $ 60,000
Cook, Illinois 5,373 $ 1,241,438,000 $ 231,051 $ 69,000
Los Angeles, California 4,591 $ 1,133,248,000 $ 246,841 $ 89,000
San Diego, California 2,376 $ 717,471,000 $ 301,965 $ 99,000
Middlesex, Massachusetts 2,012 $ 532,447,000 $ 264,635 $ 83,000
Oakland, Michigan 1,904 $ 350,465,000 $ 184,067 $ 96,000
Orange, California 1,781 $ 523,980,000 $ 294,205 $ 110,000
Riverside, California 1,663 $ 335,674,000 $ 201,848 $ 81,000
San Bernardino, California 1,662 $ 273,885,000 $ 164,792 $ 64,000
Miami-Dade, Florida 1,604 $ 302,533,000 $ 188,611 $ 79,000
Wayne, Michigan 1,430 $ 202,221,000 $ 141,413 $ 44,000
Pima, Arizona 1,332 $ 209,321,000 $ 157,147 $ 50,000
DuPage, Illinois 1,277 $ 299,898,000 $ 234,845 $ 80,000
Broward, Florida 1,268 $ 215,934,000 $ 170,294 $ 65,000
Essex, Massachusetts 1,242 $ 293,815,000 $ 236,566 $ 66,000
Worcester, Massachusetts 1,187 $ 234,429,000 $ 197,497 $ 53,000
Clark, Nevada 1,141 $ 207,485,000 $ 181,844 $ 54,000
Norfolk, Massachusetts 1,117 $ 292,673,000 $ 262,017 $ 86,000
Baltimore, Maryland 1,107 $ 185,835,000 $ 167,872 $ 50,000
Anne Arundel, Maryland 1,034 $ 231,461,000 $ 223,850 $ 55,000
Macomb, Michigan 1,024 $ 139,033,000 $ 135,774 $ 57,000
Orange, Florida 1,022 $ 185,131,000 $ 181,145 $ 61,000
Prince George's, Maryland 1,001 $ 195,025,000 $ 194,830 $ 56,000
Arapahoe, Colorado 980 $ 175,181,000 $ 178,756 $ 49,000
Suffolk, Massachusetts 936 $ 249,302,000 $ 266,348 $ 81,000
Hillsborough, Florida 932 $ 142,419,000 $ 152,810 $ 56,000
Fairfax, Virginia 931 $ 270,636,000 $ 290,693 $ 89,000
Philadelphia, Pennsylvania 909 $ 105,447,000 $ 116,003 $ 61,000
Marion, Indiana 893 $ 111,764,000 $ 125,155 $ 55,000
Montgomery, Maryland 871 $ 236,093,000 $ 271,059 $ 73,000
Lake, Illinois 870 $ 219,651,000 $ 252,472 $ 85,000
Palm Beach, Florida 867 $ 159,531,000 $ 184,003 $ 68,000
Denver, Colorado 840 $ 156,335,000 $ 186,113 $ 55,000
Dallas, Texas 836 $ 107,172,000 $ 128,196 $ 56,000
Will, Illinois 833 $ 159,039,000 $ 190,923 $ 61,000
Ocean, New Jersey 832 $ 156,096,000 $ 187,615 $ 69,000
Plymouth, Massachusetts 829 $ 202,714,000 $ 244,528 $ 82,000
Kane, Illinois 824 $ 158,472,000 $ 192,320 $ 58,000
Jefferson, Colorado 814 $ 155,011,000 $ 190,431 $ 55,000
Milwaukee, Wisconsin 801 $ 121,002,000 $ 151,063 $ 56,000
Burlington, New Jersey 795 $ 144,354,000 $ 181,577 $ 65,000
New Haven, Connecticut 784 $ 127,114,000 $ 162,135 $ 55,000
Harris, Texas 783 $ 105,906,000 $ 135,256 $ 75,000
Wake, North Carolina 778 $ 136,083,000 $ 174,913 $ 58,000
El Paso, Colorado 776 $ 125,327,000 $ 161,503 $ 54,000
Hennepin, Minnesota 764 $ 155,027,000 $ 202,914 $ 69,000
St. Louis, Missouri 751 $ 130,374,000 $ 173,600 $ 59,000
Hartford, Connecticut 724 $ 115,288,000 $ 159,237 $ 54,000
Tarrant, Texas 719 $ 83,659,000 $ 116,354 $ 55,000
Camden, New Jersey 703 $ 96,911,000 $ 137,853 $ 58,000
New Castle, Delaware 700 $ 108,421,000 $ 154,887 $ 68,000
Cumberland, Maine 693 $ 124,513,000 $ 179,672 $ 65,000
Mecklenburg, North Carolina 693 $ 117,154,000 $ 169,053 $ 46,000
Bristol, Massachusetts 675 $ 142,394,000 $ 210,954 $ 65,000
Adams, Colorado 657 $ 114,723,000 $ 174,616 $ 45,000
Franklin, Ohio 656 $ 97,930,000 $ 149,283 $ 52,000
Sacramento, California 655 $ 118,274,000 $ 180,570 $ 62,000
Horry, South Carolina 644 $ 96,392,000 $ 149,677 $ 79,000
Middlesex, New Jersey 638 $ 120,264,000 $ 188,501 $ 76,000
Monmouth, New Jersey 632 $ 139,336,000 $ 220,468 $ 93,000
Lee, Florida 612 $ 117,731,000 $ 192,370 $ 73,000
Waukesha, Wisconsin 612 $ 125,590,000 $ 205,212 $ 73,000
Suffolk, New York 606 $ 111,422,000 $ 183,864 $ 67,000
Pinellas, Florida 589 $ 92,091,000 $ 156,351 $ 59,000
Genesee, Michigan 587 $ 57,426,000 $ 97,829 $ 51,000
Douglas, Colorado 577 $ 134,812,000 $ 233,642 $ 74,000
Hillsborough, New Hampshire 576 $ 106,123,000 $ 184,241 $ 60,000
Pinal, Arizona 565 $ 86,057,000 $ 152,313 $ 47,000
Fairfield, Connecticut 564 $ 156,403,000 $ 277,310 $ 77,000
Baltimore City, Maryland 562 $ 77,658,000 $ 138,181 $ 61,000
Johnson, Kansas 558 $ 97,734,000 $ 175,150 $ 58,000
Montgomery, Pennsylvania 545 $ 95,026,000 $ 174,359 $ 79,000
Salt Lake, Utah 545 $ 78,792,000 $ 144,572 $ 52,000
Utah, Utah 543 $ 74,500,000 $ 137,200 $ 42,000
Alameda, California 529 $ 151,214,000 $ 285,848 $ 119,000
Prince William, Virginia 529 $ 127,359,000 $ 240,754 $ 65,000
Jackson, Missouri 526 $ 67,284,000 $ 127,916 $ 43,000
King, Washington 514 $ 121,539,000 $ 236,457 $ 74,000
Stanislaus, California 510 $ 103,212,000 $ 202,376 $ 59,000
Contra Costa, California 506 $ 144,982,000 $ 286,525 $ 79,000
Bucks, Pennsylvania 497 $ 94,983,000 $ 191,112 $ 77,000
Washtenaw, Michigan 492 $ 91,246,000 $ 185,459 $ 66,000
Providence, Rhode Island 487 $ 89,705,000 $ 184,199 $ 64,000
Barnstable, Massachusetts 474 $ 116,936,000 $ 246,700 $ 110,000
Hamilton, Indiana 473 $ 93,548,000 $ 197,775 $ 73,000
Yavapai, Arizona 472 $ 74,940,000 $ 158,771 $ 50,000
Santa Clara, California 467 $ 169,064,000 $ 362,021 $ 107,000
Volusia, Florida 464 $ 66,020,000 $ 142,284 $ 58,000
Seminole, Florida 462 $ 79,314,000 $ 171,675 $ 66,000
District of Columbia, District Of Columbia 461 $ 113,117,000 $ 245,373 $ 82,000
Gloucester, New Jersey 461 $ 72,222,000 $ 156,663 $ 65,000
Polk, Florida 456 $ 56,724,000 $ 124,394 $ 41,000
Harford, Maryland 455 $ 85,240,000 $ 187,340 $ 48,000
Chester, Pennsylvania 455 $ 90,704,000 $ 199,349 $ 93,000
Scott, Iowa 451 $ 58,209,000 $ 129,066 $ 45,000
Duval, Florida 448 $ 57,159,000 $ 127,587 $ 54,000
Monroe, Indiana 443 $ 58,019,000 $ 130,968 $ 65,000
Virginia Beach, Virginia 439 $ 66,263,000 $ 150,940 $ 45,000
Multnomah, Oregon 437 $ 77,884,000 $ 178,224 $ 49,000
Loudoun, Virginia 431 $ 141,144,000 $ 327,480 $ 81,000
McHenry, Illinois 429 $ 80,085,000 $ 186,678 $ 73,000
Brevard, Florida 427 $ 58,170,000 $ 136,229 $ 62,000
Dakota, Minnesota 426 $ 81,934,000 $ 192,333 $ 76,000
Rockingham, New Hampshire 425 $ 86,148,000 $ 202,701 $ 72,000
Mohave, Arizona 418 $ 59,135,000 $ 141,471 $ 60,000
Greenville, South Carolina 417 $ 60,523,000 $ 145,139 $ 44,000
Pasco, Florida 412 $ 59,714,000 $ 144,936 $ 50,000
Kern, California 405 $ 51,225,000 $ 126,481 $ 80,000
Travis, Texas 402 $ 56,107,000 $ 139,569 $ 58,000
Ventura, California 401 $ 98,424,000 $ 245,446 $ 90,000
Sarasota, Florida 395 $ 77,453,000 $ 196,083 $ 83,000
Snohomish, Washington 394 $ 73,383,000 $ 186,251 $ 59,000
Bexar, Texas 390 $ 44,547,000 $ 114,223 $ 59,000
Washington, Oregon 384 $ 66,866,000 $ 174,130 $ 58,000
San Joaquin, California 383 $ 74,523,000 $ 194,577 $ 63,000
Morris, New Jersey 375 $ 92,648,000 $ 247,061 $ 87,000
Delaware, Pennsylvania 373 $ 53,212,000 $ 142,659 $ 60,000
Essex, New Jersey 370 $ 80,292,000 $ 217,005 $ 69,000
Nassau, New York 367 $ 79,557,000 $ 216,776 $ 84,000
Beaufort, South Carolina 364 $ 79,475,000 $ 218,337 $ 100,000
Cuyahoga, Ohio 362 $ 50,318,000 $ 139,000 $ 50,000
Bergen, New Jersey 360 $ 95,216,000 $ 264,488 $ 104,000
Denton, Texas 358 $ 52,987,000 $ 148,008 $ 63,000
Atlantic, New Jersey 356 $ 59,450,000 $ 166,994 $ 81,000
Fresno, California 350 $ 48,922,000 $ 139,777 $ 62,000
Howard, Maryland 345 $ 85,292,000 $ 247,223 $ 73,000
Mercer, New Jersey 345 $ 66,100,000 $ 191,594 $ 60,000
Clark, Washington 344 $ 61,391,000 $ 178,462 $ 51,000
Honolulu, Hawaii 343 $ 89,187,000 $ 260,020 $ 59,000
Collier, Florida 341 $ 79,966,000 $ 234,504 $ 86,000
York, Maine 341 $ 61,628,000 $ 180,727 $ 57,000
Union, New Jersey 340 $ 74,428,000 $ 218,905 $ 69,000
Pierce, Washington 331 $ 52,171,000 $ 157,616 $ 43,000
York, Pennsylvania 326 $ 37,994,000 $ 116,546 $ 35,000
Ramsey, Minnesota 323 $ 55,750,000 $ 172,600 $ 56,000
Frederick, Maryland 321 $ 66,634,000 $ 207,582 $ 55,000
Fulton, Georgia 319 $ 59,552,000 $ 186,683 $ 96,000
Johnson, Indiana 309 $ 45,141,000 $ 146,087 $ 64,000
Gwinnett, Georgia 307 $ 42,541,000 $ 138,570 $ 53,000
Cochise, Arizona 299 $ 43,071,000 $ 144,050 $ 47,000
St. Charles, Missouri 299 $ 48,931,000 $ 163,648 $ 51,000
Cobb, Georgia 298 $ 44,804,000 $ 150,348 $ 54,000
Collin, Texas 298 $ 44,992,000 $ 150,979 $ 59,000
Chesterfield, Virginia 291 $ 50,093,000 $ 172,140 $ 53,000
Somerset, New Jersey 287 $ 62,801,000 $ 218,818 $ 74,000
Livingston, Michigan 286 $ 53,955,000 $ 188,653 $ 59,000
Ada, Idaho 285 $ 34,891,000 $ 122,424 $ 45,000
Whatcom, Washington 284 $ 51,486,000 $ 181,288 $ 36,000
Tippecanoe, Indiana 280 $ 32,881,000 $ 117,432 $ 47,000
Spokane, Washington 278 $ 34,656,000 $ 124,661 $ 44,000
Bernalillo, New Mexico 277 $ 32,118,000 $ 115,949 $ 59,000
Hudson, New Jersey 276 $ 66,478,000 $ 240,862 $ 89,000
Anoka, Minnesota 274 $ 47,579,000 $ 173,645 $ 85,000
Charleston, South Carolina 274 $ 58,269,000 $ 212,660 $ 60,000
Leon, Florida 271 $ 43,039,000 $ 158,815 $ 42,000
Larimer, Colorado 263 $ 43,365,000 $ 164,885 $ 45,000
Manatee, Florida 262 $ 47,349,000 $ 180,721 $ 56,000
Summit, Ohio 260 $ 35,876,000 $ 137,984 $ 41,000
Williamson, Texas 257 $ 31,769,000 $ 123,614 $ 42,000
York, South Carolina 256 $ 39,391,000 $ 153,871 $ 52,000
Lancaster, Pennsylvania 250 $ 28,540,000 $ 114,160 $ 43,000
Hamilton, Ohio 248 $ 35,356,000 $ 142,564 $ 51,000
Berkeley, West Virginia 248 $ 36,702,000 $ 147,991 $ 45,000
Dane, Wisconsin 242 $ 40,435,000 $ 167,086 $ 60,000
Deschutes, Oregon 241 $ 50,158,000 $ 208,124 $ 68,000
Hampden, Massachusetts 240 $ 31,324,000 $ 130,516 $ 52,000
Osceola, Florida 233 $ 32,617,000 $ 139,987 $ 68,000
Solano, California 232 $ 45,654,000 $ 196,784 $ 63,000
Queens, New York 232 $ 45,599,000 $ 196,547 $ 64,000
Allen, Indiana 229 $ 25,163,000 $ 109,882 $ 39,000
Cape May, New Jersey 229 $ 51,392,000 $ 224,419 $ 87,000
Weld, Colorado 228 $ 37,960,000 $ 166,491 $ 37,000
Passaic, New Jersey 228 $ 48,090,000 $ 210,921 $ 81,000
Guilford, North Carolina 227 $ 35,614,000 $ 156,889 $ 78,000
New London, Connecticut 225 $ 31,627,000 $ 140,564 $ 49,000
Sussex, New Jersey 224 $ 40,135,000 $ 179,174 $ 68,000
Chesapeake, Virginia 223 $ 35,329,000 $ 158,426 $ 51,000
Carroll, Maryland 222 $ 47,490,000 $ 213,918 $ 67,000
Montgomery, Ohio 221 $ 22,530,000 $ 101,945 $ 49,000
Bell, Texas 219 $ 20,933,000 $ 95,584 $ 29,000
Skagit, Washington 219 $ 39,408,000 $ 179,945 $ 44,000
DeKalb, Georgia 217 $ 32,818,000 $ 151,235 $ 47,000
Washoe, Nevada 217 $ 45,439,000 $ 209,396 $ 68,000
Boulder, Colorado 216 $ 53,576,000 $ 248,037 $ 63,000
Kendall, Illinois 215 $ 42,111,000 $ 195,865 $ 59,000
Kent, Michigan 215 $ 23,543,000 $ 109,502 $ 40,000
Berks, Pennsylvania 214 $ 22,899,000 $ 107,004 $ 46,000
Clackamas, Oregon 212 $ 45,224,000 $ 213,320 $ 70,000
Lake, Florida 208 $ 29,120,000 $ 140,000 $ 53,000
Washington, Maryland 208 $ 33,504,000 $ 161,076 $ 47,000
Washington, Minnesota 208 $ 40,183,000 $ 193,187 $ 69,000
Lehigh, Pennsylvania 208 $ 29,498,000 $ 141,817 $ 59,000
Charles, Maryland 207 $ 43,199,000 $ 208,690 $ 51,000
Richland, South Carolina 207 $ 28,944,000 $ 139,826 $ 48,000
Henrico, Virginia 207 $ 33,206,000 $ 160,415 $ 52,000
Marion, Florida 205 $ 22,242,000 $ 108,497 $ 37,000
Sonoma, California 204 $ 53,907,000 $ 264,250 $ 77,000
Litchfield, Connecticut 204 $ 31,995,000 $ 156,838 $ 53,000
Fayette, Kentucky 204 $ 31,066,000 $ 152,284 $ 39,000
Sussex, Delaware 203 $ 40,709,000 $ 200,536 $ 76,000
Jackson, Oregon 200 $ 43,004,000 $ 215,020 $ 51,000
Yuma, Arizona 199 $ 19,559,000 $ 98,286 $ 56,000
Union, North Carolina 199 $ 33,084,000 $ 166,251 $ 39,000
Jefferson, Alabama 198 $ 20,561,000 $ 103,843 $ 51,000
Orange, New York 197 $ 25,864,000 $ 131,289 $ 69,000
St. Lucie, Florida 194 $ 26,758,000 $ 137,927 $ 55,000
New Hanover, North Carolina 193 $ 33,302,000 $ 172,549 $ 71,000
Lake, Indiana 192 $ 23,515,000 $ 122,473 $ 68,000
Mesa, Colorado 189 $ 24,363,000 $ 128,904 $ 38,000
St. Louis City, Missouri 189 $ 22,294,000 $ 117,957 $ 46,000
Ingham, Michigan 186 $ 21,560,000 $ 115,913 $ 43,000
Davidson, Tennessee 185 $ 21,246,000 $ 114,843 $ 49,000
DeKalb, Illinois 184 $ 25,864,000 $ 140,565 $ 49,000
Washington, Utah 184 $ 32,019,000 $ 174,016 $ 73,000
Navajo, Arizona 181 $ 24,827,000 $ 137,165 $ 85,000
San Mateo, California 181 $ 57,306,000 $ 316,607 $ 95,000
Flagler, Florida 181 $ 30,917,000 $ 170,812 $ 54,000
Greene, Missouri 178 $ 19,736,000 $ 110,876 $ 39,000
Kent, Delaware 175 $ 26,887,000 $ 153,640 $ 45,000
Shelby, Tennessee 175 $ 17,883,000 $ 102,188 $ 51,000
El Paso, Texas 175 $ 13,674,000 $ 78,137 $ 41,000
Middlesex, Connecticut 173 $ 29,987,000 $ 173,335 $ 67,000
Strafford, New Hampshire 171 $ 27,340,000 $ 159,883 $ 64,000
Kings, New York 170 $ 41,080,000 $ 241,647 $ 79,000
Calvert, Maryland 169 $ 38,093,000 $ 225,402 $ 76,000
Hendricks, Indiana 168 $ 24,075,000 $ 143,303 $ 59,000
Erie, New York 168 $ 12,074,000 $ 71,869 $ 53,000
Rock Island, Illinois 167 $ 14,667,000 $ 87,826 $ 21,000
Lane, Oregon 167 $ 23,641,000 $ 141,562 $ 51,000
Forsyth, North Carolina 165 $ 24,807,000 $ 150,345 $ 46,000
Northampton, Pennsylvania 165 $ 21,844,000 $ 132,387 $ 48,000
Merrimack, New Hampshire 162 $ 25,003,000 $ 154,339 $ 77,000
Kent, Rhode Island 162 $ 27,865,000 $ 172,006 $ 56,000
Pueblo, Colorado 161 $ 16,632,000 $ 103,304 $ 46,000
Washington, Wisconsin 159 $ 28,131,000 $ 176,924 $ 54,000
Clay, Missouri 158 $ 19,855,000 $ 125,664 $ 33,000
Richmond, New York 158 $ 24,689,000 $ 156,259 $ 56,000
Cecil, Maryland 157 $ 26,529,000 $ 168,974 $ 53,000
Stafford, Virginia 157 $ 30,003,000 $ 191,101 $ 62,000
Placer, California 155 $ 39,811,000 $ 256,845 $ 123,000
Spotsylvania, Virginia 155 $ 27,492,000 $ 177,367 $ 62,000
Westchester, New York 153 $ 42,451,000 $ 277,457 $ 104,000
Oklahoma, Oklahoma 153 $ 10,670,000 $ 69,738 $ 42,000
Olmsted, Minnesota 152 $ 22,094,000 $ 145,355 $ 26,000
Lake, Ohio 146 $ 18,014,000 $ 123,383 $ 30,000
Coconino, Arizona 145 $ 28,968,000 $ 199,779 $ 84,000
Stark, Ohio 144 $ 17,209,000 $ 119,506 $ 44,000
Norfolk, Virginia 144 $ 17,916,000 $ 124,416 $ 40,000
Tulare, California 143 $ 15,534,000 $ 108,629 $ 53,000
St. Johns, Florida 143 $ 28,837,000 $ 201,657 $ 74,000
Delaware, Ohio 143 $ 32,952,000 $ 230,433 $ 74,000
Merced, California 141 $ 24,813,000 $ 175,978 $ 69,000
Davis, Utah 141 $ 21,474,000 $ 152,297 $ 34,000
Cumberland, North Carolina 140 $ 13,847,000 $ 98,907 $ 32,000
Escambia, Florida 139 $ 15,353,000 $ 110,453 $ 43,000
St. Joseph, Indiana 139 $ 12,613,000 $ 90,741 $ 63,000
Florence, South Carolina 139 $ 17,412,000 $ 125,266 $ 35,000
Lexington, South Carolina 137 $ 16,024,000 $ 116,963 $ 34,000
Berrien, Michigan 136 $ 21,987,000 $ 161,669 $ 62,000
Anchorage, Alaska 135 $ 20,303,000 $ 150,392 $ 61,000
Spartanburg, South Carolina 134 $ 16,522,000 $ 123,298 $ 38,000
Fort Bend, Texas 134 $ 17,514,000 $ 130,701 $ 63,000
Johnson, Texas 134 $ 12,870,000 $ 96,044 $ 30,000
Jefferson, Missouri 131 $ 16,305,000 $ 124,465 $ 51,000
Salem, New Jersey 131 $ 19,738,000 $ 150,671 $ 54,000
St. Mary's, Maryland 129 $ 22,384,000 $ 173,519 $ 47,000
Lapeer, Michigan 128 $ 18,524,000 $ 144,718 $ 68,000
Dutchess, New York 128 $ 19,131,000 $ 149,460 $ 77,000
Dauphin, Pennsylvania 128 $ 13,741,000 $ 107,351 $ 40,000
Dorchester, South Carolina 128 $ 18,426,000 $ 143,953 $ 56,000
Thurston, Washington 128 $ 19,283,000 $ 150,648 $ 54,000
Linn, Iowa 127 $ 15,214,000 $ 119,795 $ 40,000
Hunterdon, New Jersey 127 $ 32,929,000 $ 259,283 $ 82,000
Monroe, New York 127 $ 11,164,000 $ 87,905 $ 58,000
Butler, Ohio 127 $ 15,716,000 $ 123,748 $ 47,000
Allegheny, Pennsylvania 127 $ 11,470,000 $ 90,314 $ 57,000
Durham, North Carolina 126 $ 19,538,000 $ 155,063 $ 47,000
Franklin, Pennsylvania 126 $ 17,440,000 $ 138,412 $ 44,000
El Dorado, California 125 $ 26,339,000 $ 210,712 $ 70,000
Charlotte, Florida 125 $ 18,880,000 $ 151,040 $ 55,000
Windham, Connecticut 124 $ 17,082,000 $ 137,758 $ 55,000
Cumberland, New Jersey 124 $ 13,668,000 $ 110,225 $ 44,000
Berkeley, South Carolina 124 $ 17,947,000 $ 144,733 $ 50,000
St. Clair, Michigan 123 $ 15,640,000 $ 127,154 $ 60,000
Tolland, Connecticut 122 $ 18,147,000 $ 148,745 $ 50,000
Jefferson, Kentucky 122 $ 16,694,000 $ 136,836 $ 54,000
Chatham, Georgia 121 $ 17,643,000 $ 145,809 $ 56,000
Arlington, Virginia 121 $ 33,700,000 $ 278,512 $ 85,000
Newport News, Virginia 121 $ 14,997,000 $ 123,942 $ 38,000
Nueces, Texas 120 $ 10,491,000 $ 87,425 $ 56,000
Cumberland, Pennsylvania 119 $ 13,243,000 $ 111,285 $ 62,000
Lynchburg, Virginia 119 $ 12,403,000 $ 104,226 $ 42,000
Brown, Wisconsin 119 $ 16,339,000 $ 137,302 $ 46,000
Clay, Florida 118 $ 15,911,000 $ 134,838 $ 42,000
Madison, Alabama 117 $ 12,394,000 $ 105,931 $ 46,000
Lucas, Ohio 117 $ 10,946,000 $ 93,555 $ 47,000
Cabarrus, North Carolina 116 $ 16,086,000 $ 138,672 $ 43,000
Bedford, Virginia 116 $ 21,044,000 $ 181,413 $ 85,000
Alachua, Florida 114 $ 16,989,000 $ 149,026 $ 87,000
Scott, Minnesota 114 $ 25,151,000 $ 220,622 $ 86,000
Galveston, Texas 114 $ 13,115,000 $ 115,043 $ 69,000
Okaloosa, Florida 113 $ 17,427,000 $ 154,221 $ 48,000
East Baton Rouge, Louisiana 113 $ 15,614,000 $ 138,176 $ 65,000
Black Hawk, Iowa 112 $ 8,978,000 $ 80,160 $ 42,000
Cherokee, Georgia 111 $ 16,883,000 $ 152,099 $ 45,000
Wyandotte, Kansas 111 $ 10,460,000 $ 94,234 $ 40,000
Racine, Wisconsin 109 $ 17,046,000 $ 156,385 $ 47,000
Monroe, Michigan 108 $ 13,679,000 $ 126,657 $ 40,000
Alexandria, Virginia 108 $ 27,751,000 $ 256,953 $ 110,000
Johnston, North Carolina 107 $ 13,186,000 $ 123,233 $ 40,000
Kitsap, Washington 107 $ 18,085,000 $ 169,018 $ 44,000
San Francisco, California 106 $ 43,243,000 $ 407,952 $ 104,000
Anderson, South Carolina 106 $ 12,172,000 $ 114,830 $ 46,000
Hampton, Virginia 106 $ 11,663,000 $ 110,028 $ 26,000
Hernando, Florida 103 $ 11,895,000 $ 115,485 $ 43,000
Winnebago, Illinois 103 $ 10,697,000 $ 103,854 $ 35,000
Pike, Pennsylvania 103 $ 13,527,000 $ 131,330 $ 68,000
Montgomery, Texas 103 $ 10,990,000 $ 106,699 $ 78,000
Pickens, South Carolina 102 $ 13,033,000 $ 127,774 $ 29,000
Frederick, Virginia 102 $ 18,609,000 $ 182,441 $ 53,000
Santa Rosa, Florida 101 $ 12,828,000 $ 127,009 $ 40,000
Henry, Georgia 101 $ 12,548,000 $ 124,237 $ 43,000
Madison, Illinois 101 $ 9,584,000 $ 94,891 $ 42,000
Warren, New Jersey 101 $ 17,611,000 $ 174,366 $ 56,000
Columbia, Oregon 101 $ 14,264,000 $ 141,227 $ 49,000
McLennan, Texas 101 $ 9,579,000 $ 94,841 $ 36,000
Imperial, California 100 $ 14,242,000 $ 142,420 $ 60,000
Marin, California 99 $ 43,449,000 $ 438,878 $ 120,000
Monroe, Pennsylvania 99 $ 10,510,000 $ 106,161 $ 52,000
Jefferson, West Virginia 99 $ 16,929,000 $ 171,000 $ 74,000
San Luis Obispo, California 97 $ 24,370,000 $ 251,237 $ 96,000
Marion, Oregon 97 $ 12,096,000 $ 124,701 $ 47,000
Orangeburg, South Carolina 97 $ 10,750,000 $ 110,824 $ 30,000
Midland, Texas 97 $ 11,549,000 $ 119,061 $ 47,000
St. Clair, Illinois 96 $ 13,319,000 $ 138,739 $ 54,000
Bonneville, Idaho 95 $ 10,531,000 $ 110,852 $ 42,000
Sedgwick, Kansas 95 $ 9,384,000 $ 98,778 $ 39,000
Muskegon, Michigan 95 $ 8,631,000 $ 90,852 $ 28,000
Saginaw, Michigan 95 $ 9,182,000 $ 96,652 $ 42,000
Warren, Ohio 94 $ 14,369,000 $ 152,861 $ 53,000
Ozaukee, Wisconsin 94 $ 20,454,000 $ 217,595 $ 88,000
Washington, Rhode Island 93 $ 20,930,000 $ 225,053 $ 81,000
Canyon, Idaho 92 $ 9,610,000 $ 104,456 $ 42,000
Calcasieu, Louisiana 92 $ 12,476,000 $ 135,608 $ 70,000
Sumter, South Carolina 92 $ 10,090,000 $ 109,673 $ 30,000
Santa Barbara, California 91 $ 24,757,000 $ 272,054 $ 70,000
Belknap, New Hampshire 91 $ 13,191,000 $ 144,956 $ 102,000
Onslow, North Carolina 91 $ 10,112,000 $ 111,120 $ 31,000
Tulsa, Oklahoma 91 $ 5,913,000 $ 64,978 $ 43,000
Polk, Iowa 90 $ 8,794,000 $ 97,711 $ 34,000
Cass, Missouri 90 $ 12,219,000 $ 135,766 $ 34,000
Greene, Ohio 90 $ 12,826,000 $ 142,511 $ 47,000
Portsmouth, Virginia 90 $ 10,295,000 $ 114,388 $ 28,000
Island, Washington 90 $ 17,904,000 $ 198,933 $ 31,000
Shelby, Alabama 88 $ 11,833,000 $ 134,465 $ 51,000
Elbert, Colorado 87 $ 18,846,000 $ 216,620 $ 63,000
Clayton, Georgia 87 $ 9,988,000 $ 114,804 $ 27,000
Kennebec, Maine 87 $ 8,514,000 $ 97,862 $ 42,000
Ottawa, Michigan 87 $ 13,459,000 $ 154,701 $ 49,000
Hays, Texas 87 $ 11,686,000 $ 134,321 $ 25,000
Weber, Utah 87 $ 10,992,000 $ 126,344 $ 54,000
Gila, Arizona 86 $ 14,281,000 $ 166,058 $ 62,000
Jackson, Michigan 86 $ 8,891,000 $ 103,383 $ 48,000
Rankin, Mississippi 86 $ 10,293,000 $ 119,686 $ 39,000
Suffolk, Virginia 86 $ 16,178,000 $ 188,116 $ 54,000
Kenosha, Wisconsin 86 $ 12,139,000 $ 141,151 $ 49,000
Lafayette, Louisiana 85 $ 9,151,000 $ 107,658 $ 64,000
Queen Anne's, Maryland 85 $ 20,059,000 $ 235,988 $ 61,000
Rockland, New York 85 $ 16,664,000 $ 196,047 $ 104,000
Buncombe, North Carolina 85 $ 11,957,000 $ 140,670 $ 48,000
Yamhill, Oregon 85 $ 11,141,000 $ 131,070 $ 54,000
Monterey, California 84 $ 22,767,000 $ 271,035 $ 96,000
Paulding, Georgia 84 $ 8,748,000 $ 104,142 $ 34,000
Bronx, New York 84 $ 14,024,000 $ 166,952 $ 51,000
Laramie, Wyoming 84 $ 10,886,000 $ 129,595 $ 61,000
Douglas, Nebraska 83 $ 8,678,000 $ 104,554 $ 39,000
Gaston, North Carolina 83 $ 8,659,000 $ 104,325 $ 41,000
La Plata, Colorado 82 $ 17,906,000 $ 218,365 $ 88,000
Hinds, Mississippi 82 $ 9,225,000 $ 112,500 $ 49,000
Benton, Oregon 82 $ 12,641,000 $ 154,158 $ 72,000
Santa Fe, New Mexico 81 $ 16,538,000 $ 204,172 $ 73,000
Richmond City, Virginia 81 $ 11,206,000 $ 138,345 $ 36,000
Champaign, Illinois 80 $ 8,633,000 $ 107,912 $ 36,000
Morgan, Indiana 80 $ 11,643,000 $ 145,537 $ 54,000
Grayson, Texas 80 $ 8,190,000 $ 102,375 $ 45,000
Martin, Florida 79 $ 15,772,000 $ 199,645 $ 141,000
Sandoval, New Mexico 79 $ 8,572,000 $ 108,506 $ 24,000
Jefferson, Wisconsin 79 $ 10,809,000 $ 136,822 $ 48,000
Mobile, Alabama 78 $ 7,414,000 $ 95,051 $ 37,000
Richmond, Georgia 78 $ 7,358,000 $ 94,333 $ 26,000
Hawaii, Hawaii 78 $ 18,589,000 $ 238,320 $ 59,000
Androscoggin, Maine 78 $ 9,875,000 $ 126,602 $ 55,000
Iredell, North Carolina 78 $ 16,275,000 $ 208,653 $ 59,000
Ellis, Texas 78 $ 9,582,000 $ 122,846 $ 30,000
Victoria, Texas 78 $ 7,138,000 $ 91,512 $ 18,000
Fauquier, Virginia 78 $ 16,446,000 $ 210,846 $ 86,000
Bay, Florida 77 $ 11,014,000 $ 143,038 $ 53,000
Grundy, Illinois 77 $ 10,996,000 $ 142,805 $ 39,000
Clermont, Ohio 77 $ 10,476,000 $ 136,051 $ 53,000
Shasta, California 76 $ 9,023,000 $ 118,723 $ 66,000
Yolo, California 75 $ 13,395,000 $ 178,600 $ 53,000
Johnson, Iowa 75 $ 11,917,000 $ 158,893 $ 33,000
Grafton, New Hampshire 75 $ 10,666,000 $ 142,213 $ 73,000
Saratoga, New York 75 $ 9,917,000 $ 132,226 $ 57,000
Forsyth, Georgia 74 $ 14,835,000 $ 200,472 $ 60,000
Hancock, Indiana 74 $ 10,910,000 $ 147,432 $ 42,000
Montgomery, Tennessee 74 $ 7,801,000 $ 105,418 $ 25,000
Worcester, Maryland 73 $ 14,320,000 $ 196,164 $ 78,000
Onondaga, New York 73 $ 4,902,000 $ 67,150 $ 50,000
Campbell, Virginia 73 $ 8,199,000 $ 112,315 $ 40,000
Madera, California 72 $ 9,671,000 $ 134,319 $ 54,000
Cheshire, New Hampshire 72 $ 10,157,000 $ 141,069 $ 77,000
Cleveland, Oklahoma 72 $ 5,471,000 $ 75,986 $ 48,000
Williamson, Tennessee 72 $ 15,049,000 $ 209,013 $ 60,000
La Crosse, Wisconsin 72 $ 10,309,000 $ 143,180 $ 39,000
Santa Cruz, California 71 $ 26,483,000 $ 373,000 $ 107,000
Porter, Indiana 71 $ 11,644,000 $ 164,000 $ 79,000
Columbia, Georgia 70 $ 9,848,000 $ 140,685 $ 45,000
Madison, Indiana 70 $ 6,241,000 $ 89,157 $ 44,000
Sherburne, Minnesota 70 $ 12,590,000 $ 179,857 $ 50,000
Platte, Missouri 70 $ 10,199,000 $ 145,700 $ 43,000
Lorain, Ohio 70 $ 7,917,000 $ 113,100 $ 46,000
Pulaski, Arkansas 69 $ 9,671,000 $ 140,159 $ 38,000
Portage, Ohio 69 $ 8,381,000 $ 121,463 $ 46,000
Aiken, South Carolina 69 $ 8,797,000 $ 127,492 $ 45,000
Parker, Texas 69 $ 6,899,000 $ 99,985 $ 44,000
Broomfield, Colorado 68 $ 15,869,000 $ 233,367 $ 59,000
Clark, Ohio 68 $ 5,946,000 $ 87,441 $ 34,000
Knox, Tennessee 68 $ 7,205,000 $ 105,955 $ 45,000
Hanover, Virginia 68 $ 8,263,000 $ 121,514 $ 51,000
Boone, Indiana 67 $ 12,512,000 $ 186,746 $ 41,000
Kalamazoo, Michigan 67 $ 7,609,000 $ 113,567 $ 55,000
Montgomery, Alabama 66 $ 7,960,000 $ 120,606 $ 49,000
Glynn, Georgia 66 $ 11,678,000 $ 176,939 $ 60,000
Penobscot, Maine 66 $ 6,934,000 $ 105,060 $ 51,000
Berkshire, Massachusetts 66 $ 10,334,000 $ 156,575 $ 53,000
Dickinson, Michigan 66 $ 7,856,000 $ 119,030 $ 43,000
St. Louis, Minnesota 66 $ 9,298,000 $ 140,878 $ 48,000
Albany, New York 66 $ 7,674,000 $ 116,272 $ 62,000
Marathon, Wisconsin 66 $ 6,998,000 $ 106,030 $ 39,000
Matanuska-Susitna, Alaska 65 $ 10,122,000 $ 155,723 $ 58,000
Christian, Missouri 65 $ 8,651,000 $ 133,092 $ 48,000
Pitt, North Carolina 65 $ 7,776,000 $ 119,630 $ 46,000
Kootenai, Idaho 64 $ 8,381,000 $ 130,953 $ 45,000
Brazoria, Texas 64 $ 5,671,000 $ 88,609 $ 41,000
Winnebago, Wisconsin 64 $ 8,095,000 $ 126,484 $ 52,000
Muscogee, Georgia 63 $ 6,212,000 $ 98,603 $ 28,000
Fairfield, Ohio 63 $ 8,585,000 $ 136,269 $ 42,000
St. Croix, Wisconsin 63 $ 12,755,000 $ 202,460 $ 47,000
Indian River, Florida 62 $ 8,839,000 $ 142,564 $ 68,000
Delaware, Indiana 62 $ 3,960,000 $ 63,870 $ 34,000
Scott, Kentucky 62 $ 7,369,000 $ 118,854 $ 28,000
Brunswick, North Carolina 62 $ 12,234,000 $ 197,322 $ 108,000
Linn, Oregon 62 $ 5,945,000 $ 95,887 $ 40,000
Roanoke, Virginia 62 $ 8,958,000 $ 144,483 $ 48,000
Tuscaloosa, Alabama 61 $ 7,277,000 $ 119,295 $ 35,000
Citrus, Florida 61 $ 6,073,000 $ 99,557 $ 47,000
Houston, Georgia 61 $ 6,475,000 $ 106,147 $ 43,000
Vanderburgh, Indiana 61 $ 7,652,000 $ 125,442 $ 43,000
Carver, Minnesota 61 $ 12,212,000 $ 200,196 $ 74,000
Wood, Wisconsin 61 $ 5,797,000 $ 95,032 $ 42,000
Shawnee, Kansas 60 $ 6,306,000 $ 105,100 $ 31,000
Wright, Minnesota 60 $ 11,832,000 $ 197,200 $ 39,000
Carroll, New Hampshire 60 $ 8,914,000 $ 148,566 $ 79,000
Orange, North Carolina 60 $ 15,097,000 $ 251,616 $ 82,000
Roanoke City, Virginia 60 $ 6,498,000 $ 108,300 $ 28,000
Walworth, Wisconsin 60 $ 12,544,000 $ 209,066 $ 86,000
Riley, Kansas 59 $ 7,799,000 $ 132,186 $ 68,000
Ulster, New York 59 $ 7,211,000 $ 122,220 $ 56,000
Licking, Ohio 59 $ 9,759,000 $ 165,406 $ 63,000
Medina, Ohio 59 $ 8,662,000 $ 146,813 $ 46,000
Newport, Rhode Island 59 $ 14,319,000 $ 242,694 $ 153,000
Chelan, Washington 59 $ 8,517,000 $ 144,355 $ 24,000
Butte, California 58 $ 7,324,000 $ 126,275 $ 63,000
Hidalgo, Texas 58 $ 3,669,000 $ 63,258 $ 38,000
Outagamie, Wisconsin 58 $ 6,354,000 $ 109,551 $ 49,000
Stearns, Minnesota 57 $ 7,838,000 $ 137,508 $ 49,000
Brazos, Texas 57 $ 6,253,000 $ 109,701 $ 46,000
Sauk, Wisconsin 57 $ 7,772,000 $ 136,350 $ 45,000
Madison, Idaho 56 $ 6,557,000 $ 117,089 $ 44,000
Lenawee, Michigan 56 $ 6,593,000 $ 117,732 $ 59,000
Mahoning, Ohio 56 $ 5,146,000 $ 91,892 $ 41,000
Cameron, Texas 56 $ 4,029,000 $ 71,946 $ 46,000
Warren, Virginia 56 $ 8,700,000 $ 155,357 $ 54,000
Maui, Hawaii 55 $ 18,141,000 $ 329,836 $ 122,000
Shiawassee, Michigan 55 $ 6,110,000 $ 111,090 $ 44,000
Flathead, Montana 55 $ 8,053,000 $ 146,418 $ 56,000
Pickaway, Ohio 55 $ 7,259,000 $ 131,981 $ 51,000
Lebanon, Pennsylvania 55 $ 5,269,000 $ 95,800 $ 48,000
Summit, Utah 55 $ 14,977,000 $ 272,309 $ 114,000
Montgomery, Virginia 55 $ 9,216,000 $ 167,563 $ 44,000
Wicomico, Maryland 54 $ 7,288,000 $ 134,962 $ 39,000
Jefferson, Louisiana 53 $ 6,177,000 $ 116,547 $ 75,000
Livingston, Louisiana 53 $ 5,307,000 $ 100,132 $ 42,000
Alamance, North Carolina 53 $ 6,566,000 $ 123,886 $ 39,000
Luzerne, Pennsylvania 53 $ 4,180,000 $ 78,867 $ 66,000
Hamilton, Tennessee 53 $ 4,347,000 $ 82,018 $ 45,000
Montezuma, Colorado 52 $ 6,190,000 $ 119,038 $ 43,000
Twin Falls, Idaho 52 $ 5,259,000 $ 101,134 $ 68,000
Eaton, Michigan 52 $ 5,717,000 $ 109,942 $ 53,000
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Mortgage Loan Application Detail Totals for Gmac Bank in 2005

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 94,979 $18,095,057,000 $162,862 $2,325,000 $44,666 $9,999,000
Home Purchase 61,100 $11,843,515,000 $176,730 $3,100,000 $60,250 $5,248,000
Home Improvement 20,330 $971,135,000 $40,100 $1,250,000 $68,740 $1,816,000

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 119,074 $21,448,013,000 $162,250 $3,100,000 $58,846 $9,999,000
Not Provided 29,122 $4,047,111,000 $121,615 $2,325,000 $51,057 $2,856,000
Hispanic 12,032 $2,107,089,000 $147,510 $1,755,000 $40,142 $4,435,000
Black or African American 9,567 $1,533,808,000 $143,705 $1,365,000 $46,686 $8,287,000
Asian 4,643 $1,161,979,000 $180,354 $1,500,000 $76,875 $4,559,000
Not applicable 879 $407,428,000 $395,435 $1,560,000 $6,282 $135,000
American Indian or Alaskan Native 550 $87,716,000 $132,645 $733,000 $51,770 $792,000
Native Hawaiian or Other Pacific Islander 542 $116,563,000 $176,952 $1,265,000 $61,714 $1,164,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 159,637 $28,782,882,000 $155,596 $3,100,000 $61,769 $9,999,000
FHA-insured (Federal Housing Administration) 10,114 $1,254,665,000 $125,877 $420,000 $18,734 $530,000
VA-guaranteed (Veterans Administration) 6,658 $872,160,000 $140,551 $536,000 $12,000 $171,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 94,231 $16,606,177,000 $149,509 $2,000,000 $74,352 $9,999,000
Loan Purchased By The Institution 63,057 $11,837,061,000 $169,823 $1,771,000 $20,372 $4,435,000
Application Denied By Financial Institution 9,170 $1,614,440,000 $145,000 $3,100,000 $70,260 $2,611,000
Application Approved But Not Accepted 8,997 $665,064,000 $68,260 $1,610,000 $62,820 $1,800,000
Application Withdrawn By Applicant 929 $182,379,000 $161,086 $1,680,000 $81,760 $1,800,000
File Closed For Incompleteness 14 $2,210,000 $162,090 $598,000 $61,090 $118,000
Preapproval Denied by Financial Institution 11 $2,376,000 $216,000 $428,000 $85,000 $180,000
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
Collateral 1,990 $261,579,000 $129,196 $1,920,000 $73,098 $1,320,000
Debt-To-Income Ratio 1,879 $300,987,000 $140,620 $3,100,000 $60,300 $851,000
Other 1,852 $354,163,000 $161,680 $1,495,000 $79,900 $1,620,000
Credit Application Incomplete 1,432 $384,529,000 $221,340 $2,325,000 $87,234 $2,611,000
Credit History 1,407 $207,845,000 $113,060 $1,500,000 $60,400 $1,092,000
Unverifiable Information 297 $45,134,000 $128,833 $850,000 $58,333 $335,000
Employment History 180 $34,748,000 $154,387 $1,200,000 $70,870 $1,104,000
Insufficient Cash (Downpayment, Closing Cost) 141 $27,471,000 $169,647 $1,100,000 $64,735 $302,000
Mortgage Insurance Denied 3 $360,000 $120,000 $205,000 $67,000 $114,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Gmac Bank's 2005 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 Gmac 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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