NBKC Bank Mortgage Lending & HMDA Data, 2021

In 2021, NBKC Bank of Kansas City, MO reported 32,265 mortgage applications totaling $11.8 billion, down 18% from 2020. The average application was for $364,509, and applicants reported an average income of $122,445. 57% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Kansas City, MO-KS (1,610), Washington-Arlington-Alexandria, DC-VA-MD-WV (910) and Seattle-Bellevue-Everett, WA (809) (applications in parentheses).

Mortgage Company & Address NBKC Bank
8320 Ward Parkway
Kansas City, MO 64114
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  
Total Number of Mortgage Applications 32,265
Total Mortgage Loan Application Amount $11,760,895,000
Average Mortgage Loan Application Amount $364,509
Highest Mortgage Loan Application Amount $4,055,000
Average Applicant Income $122,445
Highest Applicant Income $4,020,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records NBKC Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 NBKC Bank by County in 2021

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Johnson, Kansas 723 $ 225,525,000 $ 311,929 $ 141,000
Clark, Nevada 703 $ 237,175,000 $ 337,375 $ 117,000
Maricopa, Arizona 667 $ 231,025,000 $ 346,364 $ 115,000
Los Angeles, California 635 $ 289,725,000 $ 456,259 $ 118,000
King, Washington 559 $ 249,575,000 $ 446,466 $ 138,000
San Diego, California 504 $ 234,960,000 $ 466,190 $ 129,000
Jackson, Missouri 386 $ 99,780,000 $ 258,497 $ 104,000
Orange, California 335 $ 172,775,000 $ 515,746 $ 136,000
Harris, Texas 333 $ 101,255,000 $ 304,069 $ 129,000
Honolulu, Hawaii 320 $ 172,720,000 $ 539,750 $ 136,000
Fairfax, Virginia 297 $ 138,125,000 $ 465,067 $ 141,000
Riverside, California 264 $ 96,680,000 $ 366,212 $ 108,000
Snohomish, Washington 250 $ 101,830,000 $ 407,320 $ 117,000
Kitsap, Washington 242 $ 99,270,000 $ 410,206 $ 110,000
San Bernardino, California 235 $ 86,565,000 $ 368,361 $ 115,000
Pierce, Washington 234 $ 90,720,000 $ 387,692 $ 128,000
Bexar, Texas 233 $ 76,195,000 $ 327,017 $ 130,000
Cook, Illinois 202 $ 70,350,000 $ 348,267 $ 131,000
Travis, Texas 200 $ 73,190,000 $ 365,950 $ 126,000
Sacramento, California 199 $ 70,795,000 $ 355,753 $ 111,000
Collin, Texas 192 $ 66,100,000 $ 344,270 $ 123,000
Hennepin, Minnesota 187 $ 61,645,000 $ 329,652 $ 127,000
Washoe, Nevada 185 $ 66,755,000 $ 360,837 $ 116,000
Alameda, California 178 $ 90,120,000 $ 506,292 $ 135,000
Santa Clara, California 170 $ 92,870,000 $ 546,294 $ 142,000
Multnomah, Oregon 170 $ 64,230,000 $ 377,823 $ 120,000
Denton, Texas 167 $ 58,345,000 $ 349,371 $ 128,000
Contra Costa, California 165 $ 79,235,000 $ 480,212 $ 127,000
Fulton, Georgia 164 $ 61,260,000 $ 373,536 $ 140,000
Anchorage, Alaska 163 $ 61,935,000 $ 379,969 $ 147,000
Broward, Florida 163 $ 55,225,000 $ 338,803 $ 124,000
Washington, Oregon 163 $ 59,525,000 $ 365,184 $ 114,000
Salt Lake, Utah 160 $ 61,660,000 $ 385,375 $ 156,000
Middlesex, Massachusetts 157 $ 72,645,000 $ 462,707 $ 148,000
Clay, Missouri 157 $ 41,115,000 $ 261,878 $ 116,000
Wake, North Carolina 156 $ 51,290,000 $ 328,782 $ 118,000
Ada, Idaho 155 $ 54,865,000 $ 353,967 $ 111,000
Mecklenburg, North Carolina 155 $ 51,035,000 $ 329,258 $ 121,000
Pima, Arizona 153 $ 42,985,000 $ 280,947 $ 103,000
Williamson, Texas 147 $ 50,095,000 $ 340,782 $ 130,000
Tarrant, Texas 138 $ 44,270,000 $ 320,797 $ 129,000
Hillsborough, Florida 134 $ 43,620,000 $ 325,522 $ 123,000
Palm Beach, Florida 133 $ 45,675,000 $ 343,421 $ 135,000
Cobb, Georgia 130 $ 44,450,000 $ 341,923 $ 124,000
Loudoun, Virginia 127 $ 60,605,000 $ 477,204 $ 137,000
Clark, Washington 124 $ 45,410,000 $ 366,209 $ 114,000
El Paso, Colorado 122 $ 47,390,000 $ 388,442 $ 116,000
Camden, Georgia 122 $ 31,730,000 $ 260,081 $ 85,000
Dallas, Texas 121 $ 39,335,000 $ 325,082 $ 142,000
Miami-Dade, Florida 119 $ 41,395,000 $ 347,857 $ 122,000
Fort Bend, Texas 118 $ 36,990,000 $ 313,474 $ 125,000
Gwinnett, Georgia 117 $ 34,725,000 $ 296,794 $ 96,000
Prince William, Virginia 116 $ 45,080,000 $ 388,620 $ 120,000
Jefferson, Colorado 112 $ 44,700,000 $ 399,107 $ 114,000
Hawaii, Hawaii 111 $ 53,815,000 $ 484,819 $ 120,000
Clackamas, Oregon 111 $ 40,155,000 $ 361,756 $ 115,000
Fresno, California 107 $ 33,055,000 $ 308,925 $ 117,000
Ventura, California 107 $ 51,135,000 $ 477,897 $ 155,000
Platte, Missouri 106 $ 33,530,000 $ 316,320 $ 160,000
Orange, Florida 102 $ 30,740,000 $ 301,372 $ 97,000
Douglas, Colorado 99 $ 43,855,000 $ 442,979 $ 133,000
Fairfield, Connecticut 99 $ 36,575,000 $ 369,444 $ 133,000
Montgomery, Maryland 98 $ 41,690,000 $ 425,408 $ 121,000
Suffolk, New York 98 $ 37,710,000 $ 384,795 $ 128,000
Oakland, Michigan 97 $ 29,085,000 $ 299,845 $ 109,000
Middlesex, New Jersey 97 $ 34,005,000 $ 350,567 $ 124,000
Denver, Colorado 93 $ 39,135,000 $ 420,806 $ 137,000
Charleston, South Carolina 92 $ 31,960,000 $ 347,391 $ 111,000
Cass, Missouri 90 $ 27,060,000 $ 300,666 $ 123,000
Bergen, New Jersey 90 $ 38,350,000 $ 426,111 $ 166,000
Nassau, New York 89 $ 40,485,000 $ 454,887 $ 136,000
Arapahoe, Colorado 88 $ 34,440,000 $ 391,363 $ 121,000
Placer, California 87 $ 34,875,000 $ 400,862 $ 131,000
San Joaquin, California 87 $ 31,035,000 $ 356,724 $ 104,000
Solano, California 85 $ 36,085,000 $ 424,529 $ 111,000
St. Johns, Florida 85 $ 32,995,000 $ 388,176 $ 132,000
Williamson, Tennessee 84 $ 34,550,000 $ 411,309 $ 134,000
Bernalillo, New Mexico 83 $ 24,575,000 $ 296,084 $ 102,000
Montgomery, Pennsylvania 82 $ 27,350,000 $ 333,536 $ 136,000
District of Columbia, District Of Columbia 81 $ 40,355,000 $ 498,209 $ 132,000
Duval, Florida 80 $ 24,120,000 $ 301,500 $ 112,000
Maui, Hawaii 80 $ 36,220,000 $ 452,750 $ 125,000
Oklahoma, Oklahoma 80 $ 24,260,000 $ 303,250 $ 117,000
Westchester, New York 79 $ 34,115,000 $ 431,835 $ 150,000
Virginia Beach, Virginia 79 $ 30,085,000 $ 380,822 $ 127,000
Thurston, Washington 79 $ 28,405,000 $ 359,556 $ 101,000
Lee, Florida 78 $ 23,870,000 $ 306,025 $ 111,000
Spokane, Washington 78 $ 24,210,000 $ 310,384 $ 102,000
Monmouth, New Jersey 77 $ 29,365,000 $ 381,363 $ 132,000
Utah, Utah 77 $ 30,995,000 $ 402,532 $ 115,000
Forsyth, Georgia 74 $ 26,890,000 $ 363,378 $ 118,000
Anne Arundel, Maryland 74 $ 31,170,000 $ 421,216 $ 117,000
Davidson, Tennessee 73 $ 26,305,000 $ 360,342 $ 115,000
San Mateo, California 70 $ 34,390,000 $ 491,285 $ 137,000
Pinellas, Florida 70 $ 20,730,000 $ 296,142 $ 112,000
Norfolk, Massachusetts 70 $ 27,510,000 $ 393,000 $ 152,000
Dakota, Minnesota 68 $ 23,070,000 $ 339,264 $ 128,000
Larimer, Colorado 66 $ 24,530,000 $ 371,666 $ 116,000
DuPage, Illinois 66 $ 23,920,000 $ 362,424 $ 126,000
Montgomery, Texas 66 $ 20,950,000 $ 317,424 $ 120,000
San Francisco, California 65 $ 37,495,000 $ 576,846 $ 148,000
Stanislaus, California 65 $ 22,045,000 $ 339,153 $ 108,000
Franklin, Ohio 65 $ 17,815,000 $ 274,076 $ 119,000
Ramsey, Minnesota 64 $ 20,820,000 $ 325,312 $ 136,000
St. Louis, Missouri 64 $ 19,400,000 $ 303,125 $ 134,000
Greenville, South Carolina 64 $ 17,340,000 $ 270,937 $ 105,000
Okaloosa, Florida 63 $ 22,335,000 $ 354,523 $ 106,000
Essex, Massachusetts 63 $ 25,745,000 $ 408,650 $ 122,000
Kings, New York 63 $ 29,995,000 $ 476,111 $ 106,000
Hartford, Connecticut 62 $ 17,700,000 $ 285,483 $ 105,000
Queens, New York 62 $ 25,130,000 $ 405,322 $ 91,000
Collier, Florida 61 $ 20,895,000 $ 342,540 $ 137,000
New Castle, Delaware 59 $ 18,515,000 $ 313,813 $ 105,000
Seminole, Florida 59 $ 19,255,000 $ 326,355 $ 122,000
Somerset, New Jersey 59 $ 23,765,000 $ 402,796 $ 170,000
New Haven, Connecticut 58 $ 15,950,000 $ 275,000 $ 135,000
Suffolk, Massachusetts 58 $ 27,630,000 $ 476,379 $ 148,000
Morris, New Jersey 58 $ 21,630,000 $ 372,931 $ 138,000
Tulsa, Oklahoma 58 $ 18,310,000 $ 315,689 $ 137,000
Adams, Colorado 57 $ 16,745,000 $ 293,771 $ 91,000
Lake, Illinois 57 $ 19,515,000 $ 342,368 $ 123,000
Kern, California 56 $ 18,970,000 $ 338,750 $ 114,000
Cherokee, Georgia 56 $ 17,860,000 $ 318,928 $ 118,000
Chester, Pennsylvania 56 $ 21,650,000 $ 386,607 $ 143,000
Essex, New Jersey 55 $ 19,795,000 $ 359,909 $ 158,000
Davis, Utah 55 $ 21,745,000 $ 395,363 $ 129,000
Ocean, New Jersey 54 $ 17,000,000 $ 314,814 $ 113,000
DeKalb, Georgia 53 $ 17,685,000 $ 333,679 $ 106,000
Wyandotte, Kansas 53 $ 15,825,000 $ 298,584 $ 93,000
Shelby, Tennessee 53 $ 18,195,000 $ 343,301 $ 112,000
Leavenworth, Kansas 52 $ 14,510,000 $ 279,038 $ 93,000
Philadelphia, Pennsylvania 52 $ 15,530,000 $ 298,653 $ 119,000
Douglas, Nebraska 51 $ 12,895,000 $ 252,843 $ 128,000
Burlington, New Jersey 51 $ 16,305,000 $ 319,705 $ 131,000
Deschutes, Oregon 51 $ 19,675,000 $ 385,784 $ 130,000
Prince George's, Maryland 49 $ 17,605,000 $ 359,285 $ 117,000
Hillsborough, New Hampshire 49 $ 16,375,000 $ 334,183 $ 131,000
Rockingham, New Hampshire 49 $ 17,825,000 $ 363,775 $ 143,000
Sonoma, California 48 $ 19,830,000 $ 413,125 $ 124,000
Sarasota, Florida 48 $ 16,950,000 $ 353,125 $ 113,000
Wayne, Michigan 48 $ 11,780,000 $ 245,416 $ 90,000
Monterey, California 47 $ 20,925,000 $ 445,212 $ 138,000
Sedgwick, Kansas 47 $ 11,025,000 $ 234,574 $ 95,000
Horry, South Carolina 47 $ 13,445,000 $ 286,063 $ 109,000
Pasco, Florida 46 $ 14,190,000 $ 308,478 $ 105,000
Chesapeake, Virginia 46 $ 15,840,000 $ 344,347 $ 101,000
Hamilton, Indiana 45 $ 14,365,000 $ 319,222 $ 146,000
Whatcom, Washington 45 $ 17,045,000 $ 378,777 $ 118,000
Union, North Carolina 44 $ 17,020,000 $ 386,818 $ 150,000
Marion, Oregon 44 $ 15,890,000 $ 361,136 $ 110,000
Berkeley, South Carolina 44 $ 16,000,000 $ 363,636 $ 115,000
El Dorado, California 43 $ 17,685,000 $ 411,279 $ 128,000
Worcester, Massachusetts 43 $ 13,085,000 $ 304,302 $ 91,000
Washington, Minnesota 43 $ 15,425,000 $ 358,720 $ 127,000
Allegheny, Pennsylvania 43 $ 12,215,000 $ 284,069 $ 121,000
Yavapai, Arizona 42 $ 12,250,000 $ 291,666 $ 103,000
Brazoria, Texas 42 $ 11,680,000 $ 278,095 $ 119,000
Arlington, Virginia 42 $ 20,140,000 $ 479,523 $ 141,000
Alexandria, Virginia 41 $ 18,335,000 $ 447,195 $ 149,000
Stafford, Virginia 41 $ 15,455,000 $ 376,951 $ 116,000
Yolo, California 40 $ 16,920,000 $ 423,000 $ 130,000
Pinal, Arizona 39 $ 11,005,000 $ 282,179 $ 100,000
Santa Barbara, California 39 $ 17,245,000 $ 442,179 $ 106,000
Brevard, Florida 39 $ 12,805,000 $ 328,333 $ 104,000
Marion, Indiana 39 $ 9,125,000 $ 233,974 $ 110,000
St. Charles, Missouri 39 $ 12,225,000 $ 313,461 $ 135,000
Jackson, Oregon 39 $ 12,045,000 $ 308,846 $ 73,000
Comal, Texas 39 $ 15,695,000 $ 402,435 $ 140,000
San Luis Obispo, California 38 $ 14,720,000 $ 387,368 $ 121,000
Boulder, Colorado 38 $ 16,530,000 $ 435,000 $ 143,000
Kauai, Hawaii 38 $ 19,750,000 $ 519,736 $ 169,000
Jefferson, Kentucky 38 $ 11,550,000 $ 303,947 $ 117,000
Hudson, New Jersey 38 $ 16,600,000 $ 436,842 $ 145,000
Durham, North Carolina 38 $ 10,030,000 $ 263,947 $ 120,000
Benton, Washington 38 $ 13,610,000 $ 358,157 $ 120,000
Santa Rosa, Florida 37 $ 12,405,000 $ 335,270 $ 111,000
Coweta, Georgia 37 $ 13,415,000 $ 362,567 $ 149,000
Will, Illinois 37 $ 10,815,000 $ 292,297 $ 123,000
Washtenaw, Michigan 37 $ 12,375,000 $ 334,459 $ 115,000
Gallatin, Montana 37 $ 14,295,000 $ 386,351 $ 121,000
Cuyahoga, Ohio 37 $ 9,835,000 $ 265,810 $ 198,000
Lane, Oregon 37 $ 11,535,000 $ 311,756 $ 95,000
Mercer, New Jersey 36 $ 12,820,000 $ 356,111 $ 150,000
Bucks, Pennsylvania 36 $ 13,300,000 $ 369,444 $ 146,000
Knox, Tennessee 36 $ 9,800,000 $ 272,222 $ 112,000
Madison, Alabama 35 $ 11,965,000 $ 341,857 $ 126,000
Fayette, Georgia 35 $ 15,995,000 $ 457,000 $ 177,000
Curry, New Mexico 35 $ 8,245,000 $ 235,571 $ 85,000
Santa Fe, New Mexico 35 $ 11,225,000 $ 320,714 $ 94,000
New York, New York 35 $ 15,795,000 $ 451,285 $ 133,000
Warren, Ohio 35 $ 11,665,000 $ 333,285 $ 150,000
Manatee, Florida 34 $ 12,000,000 $ 352,941 $ 134,000
Columbia, Georgia 34 $ 9,960,000 $ 292,941 $ 131,000
Sarpy, Nebraska 34 $ 9,950,000 $ 292,647 $ 122,000
Montgomery, Ohio 34 $ 9,290,000 $ 273,235 $ 121,000
Jefferson, Alabama 33 $ 8,085,000 $ 245,000 $ 96,000
Santa Cruz, California 33 $ 15,575,000 $ 471,969 $ 136,000
Lake, Florida 33 $ 8,755,000 $ 265,303 $ 98,000
Plymouth, Massachusetts 33 $ 12,285,000 $ 372,272 $ 110,000
Union, New Jersey 33 $ 14,705,000 $ 445,606 $ 171,000
Cabarrus, North Carolina 33 $ 9,895,000 $ 299,848 $ 94,000
Delaware, Pennsylvania 33 $ 10,265,000 $ 311,060 $ 146,000
Frederick, Maryland 32 $ 11,920,000 $ 372,500 $ 112,000
Kent, Delaware 31 $ 8,525,000 $ 275,000 $ 104,000
Osceola, Florida 31 $ 10,055,000 $ 324,354 $ 126,000
Canyon, Idaho 31 $ 11,055,000 $ 356,612 $ 98,000
Anoka, Minnesota 31 $ 8,785,000 $ 283,387 $ 80,000
Island, Washington 31 $ 12,195,000 $ 393,387 $ 129,000
Leon, Florida 30 $ 7,980,000 $ 266,000 $ 88,000
Houston, Georgia 30 $ 7,310,000 $ 243,666 $ 101,000
Delaware, Ohio 30 $ 9,620,000 $ 320,666 $ 134,000
Benton, Arkansas 29 $ 9,075,000 $ 312,931 $ 132,000
Tulare, California 29 $ 7,555,000 $ 260,517 $ 106,000
Clay, Florida 29 $ 8,985,000 $ 309,827 $ 96,000
Escambia, Florida 29 $ 9,745,000 $ 336,034 $ 103,000
Kootenai, Idaho 29 $ 10,995,000 $ 379,137 $ 98,000
Buncombe, North Carolina 29 $ 10,265,000 $ 353,965 $ 131,000
Hamilton, Ohio 29 $ 8,145,000 $ 280,862 $ 175,000
York, South Carolina 29 $ 9,935,000 $ 342,586 $ 137,000
Guadalupe, Texas 29 $ 7,195,000 $ 248,103 $ 82,000
Weber, Utah 29 $ 10,465,000 $ 360,862 $ 102,000
Henrico, Virginia 29 $ 10,205,000 $ 351,896 $ 136,000
Spotsylvania, Virginia 29 $ 10,485,000 $ 361,551 $ 128,000
Volusia, Florida 28 $ 7,460,000 $ 266,428 $ 98,000
Lowndes, Georgia 28 $ 6,780,000 $ 242,142 $ 70,000
Carver, Minnesota 28 $ 10,330,000 $ 368,928 $ 125,000
Garfield, Oklahoma 28 $ 7,300,000 $ 260,714 $ 103,000
Hamilton, Tennessee 28 $ 8,170,000 $ 291,785 $ 138,000
Marin, California 27 $ 15,095,000 $ 559,074 $ 163,000
Sussex, Delaware 27 $ 10,395,000 $ 385,000 $ 139,000
Paulding, Georgia 27 $ 8,395,000 $ 310,925 $ 90,000
Bristol, Massachusetts 27 $ 8,875,000 $ 328,703 $ 112,000
Beaufort, South Carolina 27 $ 10,025,000 $ 371,296 $ 126,000
Washington, Utah 27 $ 8,415,000 $ 311,666 $ 110,000
Waukesha, Wisconsin 27 $ 8,915,000 $ 330,185 $ 120,000
Howard, Maryland 26 $ 11,080,000 $ 426,153 $ 150,000
Otero, New Mexico 26 $ 7,270,000 $ 279,615 $ 118,000
Orange, New York 26 $ 8,330,000 $ 320,384 $ 104,000
Richmond, New York 26 $ 11,190,000 $ 430,384 $ 102,000
Guilford, North Carolina 26 $ 7,550,000 $ 290,384 $ 114,000
Butler, Ohio 26 $ 7,510,000 $ 288,846 $ 126,000
El Paso, Texas 26 $ 5,960,000 $ 229,230 $ 111,000
Albemarle, Virginia 26 $ 10,780,000 $ 414,615 $ 130,000
Chesterfield, Virginia 26 $ 9,230,000 $ 355,000 $ 68,000
Weld, Colorado 25 $ 9,635,000 $ 385,400 $ 84,000
Kane, Illinois 25 $ 6,215,000 $ 248,600 $ 94,000
Flathead, Montana 25 $ 9,535,000 $ 381,400 $ 95,000
Douglas, Nevada 25 $ 10,005,000 $ 400,200 $ 163,000
Passaic, New Jersey 25 $ 8,185,000 $ 327,400 $ 121,000
Skagit, Washington 25 $ 9,645,000 $ 385,800 $ 118,000
Mobile, Alabama 24 $ 6,300,000 $ 262,500 $ 114,000
Bay, Florida 24 $ 7,370,000 $ 307,083 $ 120,000
Polk, Florida 24 $ 6,560,000 $ 273,333 $ 100,000
Hall, Georgia 24 $ 7,800,000 $ 325,000 $ 127,000
Lancaster, Pennsylvania 24 $ 6,860,000 $ 285,833 $ 86,000
Hays, Texas 24 $ 8,160,000 $ 340,000 $ 124,000
Chittenden, Vermont 24 $ 8,330,000 $ 347,083 $ 121,000
Norfolk, Virginia 24 $ 8,890,000 $ 370,416 $ 117,000
Barnstable, Massachusetts 23 $ 8,425,000 $ 366,304 $ 177,000
Rockland, New York 23 $ 7,855,000 $ 341,521 $ 114,000
Brunswick, North Carolina 23 $ 7,365,000 $ 320,217 $ 147,000
Montgomery, Tennessee 23 $ 7,985,000 $ 347,173 $ 112,000
Bell, Texas 23 $ 4,805,000 $ 208,913 $ 100,000
Southeast Fairbanks, Alaska 22 $ 7,180,000 $ 326,363 $ 122,000
Bonneville, Idaho 22 $ 7,460,000 $ 339,090 $ 105,000
Lake, Indiana 22 $ 5,100,000 $ 231,818 $ 82,000
Orleans, Louisiana 22 $ 6,860,000 $ 311,818 $ 91,000
Baltimore, Maryland 22 $ 7,680,000 $ 349,090 $ 151,000
Hunterdon, New Jersey 22 $ 8,480,000 $ 385,454 $ 111,000
Bronx, New York 22 $ 7,940,000 $ 360,909 $ 95,000
Dorchester, South Carolina 22 $ 6,980,000 $ 317,272 $ 91,000
Galveston, Texas 22 $ 6,550,000 $ 297,727 $ 124,000
Parker, Texas 22 $ 7,780,000 $ 353,636 $ 133,000
Dane, Wisconsin 22 $ 8,030,000 $ 365,000 $ 105,000
Matanuska-Susitna, Alaska 21 $ 9,545,000 $ 454,523 $ 134,000
Macomb, Michigan 21 $ 5,965,000 $ 284,047 $ 97,000
New Hanover, North Carolina 21 $ 7,055,000 $ 335,952 $ 125,000
Spartanburg, South Carolina 21 $ 6,245,000 $ 297,380 $ 102,000
Butte, California 20 $ 6,120,000 $ 306,000 $ 111,000
Charlotte, Florida 20 $ 6,730,000 $ 336,500 $ 129,000
Cumberland, Maine 20 $ 6,380,000 $ 319,000 $ 125,000
St. Louis City, Missouri 20 $ 4,330,000 $ 216,500 $ 93,000
Lancaster, Nebraska 20 $ 5,330,000 $ 266,500 $ 102,000
Summit, Utah 20 $ 12,520,000 $ 626,000 $ 214,000
Kent, Michigan 19 $ 5,535,000 $ 291,315 $ 163,000
Livingston, Michigan 19 $ 5,265,000 $ 277,105 $ 113,000
Johnson, Missouri 19 $ 4,825,000 $ 253,947 $ 95,000
Gloucester, New Jersey 19 $ 5,975,000 $ 314,473 $ 121,000
Iredell, North Carolina 19 $ 5,205,000 $ 273,947 $ 83,000
Linn, Oregon 19 $ 5,305,000 $ 279,210 $ 101,000
Polk, Oregon 19 $ 6,335,000 $ 333,421 $ 121,000
Richland, South Carolina 19 $ 5,195,000 $ 273,421 $ 117,000
York, Virginia 19 $ 6,845,000 $ 360,263 $ 133,000
Jefferson, West Virginia 19 $ 5,155,000 $ 271,315 $ 101,000
Milwaukee, Wisconsin 19 $ 4,205,000 $ 221,315 $ 71,000
Baldwin, Alabama 18 $ 6,040,000 $ 335,555 $ 130,000
Merced, California 18 $ 4,820,000 $ 267,777 $ 87,000
Broomfield, Colorado 18 $ 7,370,000 $ 409,444 $ 88,000
St. Clair, Illinois 18 $ 5,540,000 $ 307,777 $ 110,000
Fayette, Kentucky 18 $ 4,900,000 $ 272,222 $ 89,000
East Baton Rouge, Louisiana 18 $ 4,840,000 $ 268,888 $ 83,000
Jefferson, Missouri 18 $ 4,370,000 $ 242,777 $ 102,000
Carson City, Nevada 18 $ 6,560,000 $ 364,444 $ 161,000
Sandoval, New Mexico 18 $ 5,730,000 $ 318,333 $ 104,000
Gaston, North Carolina 18 $ 4,460,000 $ 247,777 $ 60,000
Summit, Ohio 18 $ 4,780,000 $ 265,555 $ 96,000
Cameron, Texas 18 $ 4,160,000 $ 231,111 $ 124,000
Berkeley, West Virginia 18 $ 4,470,000 $ 248,333 $ 56,000
Laramie, Wyoming 18 $ 6,060,000 $ 336,666 $ 85,000
Napa, California 17 $ 7,325,000 $ 430,882 $ 157,000
Middlesex, Connecticut 17 $ 5,275,000 $ 310,294 $ 134,000
Marion, Florida 17 $ 4,695,000 $ 276,176 $ 71,000
St. Lucie, Florida 17 $ 4,845,000 $ 285,000 $ 98,000
Baltimore City, Maryland 17 $ 4,665,000 $ 274,411 $ 87,000
Calvert, Maryland 17 $ 9,335,000 $ 549,117 $ 157,000
Hampden, Massachusetts 17 $ 4,735,000 $ 278,529 $ 101,000
Harrison, Mississippi 17 $ 4,765,000 $ 280,294 $ 114,000
Camden, Missouri 17 $ 4,915,000 $ 289,117 $ 192,000
Lafayette, Missouri 17 $ 4,265,000 $ 250,882 $ 87,000
Camden, New Jersey 17 $ 4,135,000 $ 243,235 $ 103,000
Monroe, New York 17 $ 4,425,000 $ 260,294 $ 129,000
Forsyth, North Carolina 17 $ 3,975,000 $ 233,823 $ 110,000
Moore, North Carolina 17 $ 5,535,000 $ 325,588 $ 153,000
Greene, Ohio 17 $ 5,635,000 $ 331,470 $ 144,000
Northampton, Pennsylvania 17 $ 5,005,000 $ 294,411 $ 170,000
Wilson, Tennessee 17 $ 6,175,000 $ 363,235 $ 106,000
James City, Virginia 17 $ 6,525,000 $ 383,823 $ 113,000
Clallam, Washington 17 $ 5,245,000 $ 308,529 $ 84,000
Shelby, Alabama 16 $ 5,190,000 $ 324,375 $ 111,000
Imperial, California 16 $ 4,210,000 $ 263,125 $ 92,000
Madera, California 16 $ 5,730,000 $ 358,125 $ 113,000
Nevada, California 16 $ 6,700,000 $ 418,750 $ 158,000
Walton, Florida 16 $ 6,730,000 $ 420,625 $ 131,000
Douglas, Kansas 16 $ 4,410,000 $ 275,625 $ 104,000
Oldham, Kentucky 16 $ 7,630,000 $ 476,875 $ 171,000
Olmsted, Minnesota 16 $ 5,070,000 $ 316,875 $ 103,000
Dutchess, New York 16 $ 5,350,000 $ 334,375 $ 126,000
Orange, North Carolina 16 $ 5,870,000 $ 366,875 $ 126,000
Benton, Oregon 16 $ 5,850,000 $ 365,625 $ 115,000
Hanover, Virginia 16 $ 4,860,000 $ 303,750 $ 98,000
Newport News, Virginia 16 $ 4,150,000 $ 259,375 $ 60,000
Richmond City, Virginia 16 $ 5,600,000 $ 350,000 $ 127,000
Mason, Washington 16 $ 4,840,000 $ 302,500 $ 81,000
Pulaski, Arkansas 15 $ 3,405,000 $ 227,000 $ 117,000
San Benito, California 15 $ 6,945,000 $ 463,000 $ 168,000
Summit, Colorado 15 $ 6,805,000 $ 453,666 $ 154,000
Scott, Minnesota 15 $ 5,645,000 $ 376,333 $ 111,000
Boone, Missouri 15 $ 4,805,000 $ 320,333 $ 127,000
Erie, New York 15 $ 3,595,000 $ 239,666 $ 117,000
Onondaga, New York 15 $ 4,735,000 $ 315,666 $ 111,000
Saratoga, New York 15 $ 4,585,000 $ 305,666 $ 89,000
Lehigh, Pennsylvania 15 $ 4,575,000 $ 305,000 $ 123,000
Lexington, South Carolina 15 $ 4,805,000 $ 320,333 $ 109,000
Sumner, Tennessee 15 $ 5,405,000 $ 360,333 $ 138,000
Ellis, Texas 15 $ 5,085,000 $ 339,000 $ 109,000
Rockwall, Texas 15 $ 4,735,000 $ 315,666 $ 71,000
Taylor, Texas 15 $ 4,345,000 $ 289,666 $ 90,000
Montgomery, Alabama 14 $ 3,220,000 $ 230,000 $ 155,000
Fairbanks North Star, Alaska 14 $ 4,490,000 $ 320,714 $ 90,000
Coconino, Arizona 14 $ 5,540,000 $ 395,714 $ 214,000
Polk, Iowa 14 $ 3,510,000 $ 250,714 $ 54,000
Boone, Kentucky 14 $ 4,450,000 $ 317,857 $ 108,000
York, Maine 14 $ 5,120,000 $ 365,714 $ 102,000
DeSoto, Mississippi 14 $ 2,840,000 $ 202,857 $ 113,000
Carteret, North Carolina 14 $ 4,730,000 $ 337,857 $ 185,000
Chatham, North Carolina 14 $ 5,540,000 $ 395,714 $ 172,000
Johnston, North Carolina 14 $ 3,670,000 $ 262,142 $ 88,000
Onslow, North Carolina 14 $ 4,410,000 $ 315,000 $ 119,000
Kent, Rhode Island 14 $ 3,560,000 $ 254,285 $ 93,000
Fauquier, Virginia 14 $ 7,120,000 $ 508,571 $ 166,000
Isle of Wight, Virginia 14 $ 4,460,000 $ 318,571 $ 146,000
Yakima, Washington 14 $ 4,490,000 $ 320,714 $ 157,000
McHenry, Illinois 13 $ 4,365,000 $ 335,769 $ 150,000
Butler, Kansas 13 $ 3,625,000 $ 278,846 $ 105,000
Riley, Kansas 13 $ 3,365,000 $ 258,846 $ 100,000
Wright, Minnesota 13 $ 3,415,000 $ 262,692 $ 116,000
Greene, Missouri 13 $ 3,755,000 $ 288,846 $ 103,000
Missoula, Montana 13 $ 3,845,000 $ 295,769 $ 73,000
Yellowstone, Montana 13 $ 4,245,000 $ 326,538 $ 130,000
Stark, Ohio 13 $ 3,615,000 $ 278,076 $ 99,000
Canadian, Oklahoma 13 $ 3,555,000 $ 273,461 $ 89,000
Cleveland, Oklahoma 13 $ 3,945,000 $ 303,461 $ 119,000
Val Verde, Texas 13 $ 2,505,000 $ 192,692 $ 79,000
Franklin, Washington 13 $ 3,375,000 $ 259,615 $ 78,000
Juneau, Alaska 12 $ 5,040,000 $ 420,000 $ 70,000
Shasta, California 12 $ 3,230,000 $ 269,166 $ 41,000
Litchfield, Connecticut 12 $ 4,020,000 $ 335,000 $ 148,000
Martin, Florida 12 $ 4,800,000 $ 400,000 $ 168,000
Nassau, Florida 12 $ 5,130,000 $ 427,500 $ 115,000
Shawnee, Kansas 12 $ 2,620,000 $ 218,333 $ 116,000
St. Tammany, Louisiana 12 $ 4,380,000 $ 365,000 $ 138,000
Harford, Maryland 12 $ 4,990,000 $ 415,833 $ 131,000
Ottawa, Michigan 12 $ 2,680,000 $ 223,333 $ 109,000
Lowndes, Mississippi 12 $ 3,430,000 $ 285,833 $ 96,000
Lewis and Clark, Montana 12 $ 4,030,000 $ 335,833 $ 93,000
Nye, Nevada 12 $ 3,760,000 $ 313,333 $ 94,000
Merrimack, New Hampshire 12 $ 3,940,000 $ 328,333 $ 122,000
Atlantic, New Jersey 12 $ 3,310,000 $ 275,833 $ 105,000
Catawba, North Carolina 12 $ 3,920,000 $ 326,666 $ 145,000
Lucas, Ohio 12 $ 3,620,000 $ 301,666 $ 113,000
Columbia, Oregon 12 $ 4,090,000 $ 340,833 $ 83,000
Providence, Rhode Island 12 $ 3,660,000 $ 305,000 $ 100,000
Sumter, South Carolina 12 $ 2,870,000 $ 239,166 $ 62,000
Loudon, Tennessee 12 $ 4,960,000 $ 413,333 $ 149,000
Johnson, Texas 12 $ 4,430,000 $ 369,166 $ 141,000
Lee, Alabama 11 $ 2,795,000 $ 254,090 $ 102,000
Mesa, Colorado 11 $ 3,895,000 $ 354,090 $ 143,000
New London, Connecticut 11 $ 3,125,000 $ 284,090 $ 118,000
Indian River, Florida 11 $ 3,755,000 $ 341,363 $ 279,000
Monroe, Florida 11 $ 6,765,000 $ 615,000 $ 183,000
Henry, Georgia 11 $ 3,165,000 $ 287,727 $ 119,000
Bonner, Idaho 11 $ 3,275,000 $ 297,727 $ 96,000
Boone, Indiana 11 $ 3,705,000 $ 336,818 $ 100,000
Warren, Kentucky 11 $ 2,965,000 $ 269,545 $ 97,000
Lafayette, Louisiana 11 $ 3,225,000 $ 293,181 $ 108,000
Lyon, Nevada 11 $ 3,255,000 $ 295,909 $ 85,000
Cass, North Dakota 11 $ 2,265,000 $ 205,909 $ 64,000
Medina, Ohio 11 $ 2,225,000 $ 202,272 $ 98,000
Berks, Pennsylvania 11 $ 2,675,000 $ 243,181 $ 150,000
Cumberland, Pennsylvania 11 $ 3,905,000 $ 355,000 $ 144,000
Brazos, Texas 11 $ 2,305,000 $ 209,545 $ 119,000
Ozaukee, Wisconsin 11 $ 3,905,000 $ 355,000 $ 114,000
Mohave, Arizona 10 $ 2,930,000 $ 293,000 $ 113,000
Washington, Arkansas 10 $ 2,810,000 $ 281,000 $ 151,000
Sumter, Florida 10 $ 2,820,000 $ 282,000 $ 95,000
Bryan, Georgia 10 $ 2,850,000 $ 285,000 $ 66,000
Chatham, Georgia 10 $ 3,080,000 $ 308,000 $ 129,000
St. Joseph, Indiana 10 $ 2,930,000 $ 293,000 $ 140,000
Jefferson, Louisiana 10 $ 2,490,000 $ 249,000 $ 102,000
Genesee, Michigan 10 $ 1,220,000 $ 122,000 $ 59,000
Jackson, Mississippi 10 $ 2,730,000 $ 273,000 $ 126,000
Clermont, Ohio 10 $ 2,790,000 $ 279,000 $ 107,000
Wood, Ohio 10 $ 2,520,000 $ 252,000 $ 89,000
Douglas, Oregon 10 $ 2,790,000 $ 279,000 $ 93,000
Yamhill, Oregon 10 $ 3,750,000 $ 375,000 $ 99,000
Maury, Tennessee 10 $ 3,250,000 $ 325,000 $ 96,000
Sevier, Tennessee 10 $ 4,360,000 $ 436,000 $ 236,000
Kaufman, Texas 10 $ 3,030,000 $ 303,000 $ 92,000
Tooele, Utah 10 $ 3,530,000 $ 353,000 $ 107,000
Chelan, Washington 10 $ 3,580,000 $ 358,000 $ 102,000
Washington, Wisconsin 10 $ 3,140,000 $ 314,000 $ 101,000
Cochise, Arizona 9 $ 1,975,000 $ 219,444 $ 72,000
Navajo, Arizona 9 $ 3,635,000 $ 403,888 $ 175,000
Grand, Colorado 9 $ 3,465,000 $ 385,000 $ 211,000
Bannock, Idaho 9 $ 1,865,000 $ 207,222 $ 65,000
Carroll, Maryland 9 $ 3,315,000 $ 368,333 $ 112,000
Chisago, Minnesota 9 $ 2,705,000 $ 300,555 $ 101,000
Sherburne, Minnesota 9 $ 2,205,000 $ 245,000 $ 98,000
Elko, Nevada 9 $ 2,885,000 $ 320,555 $ 111,000
Ulster, New York 9 $ 3,375,000 $ 375,000 $ 96,000
Harnett, North Carolina 9 $ 2,735,000 $ 303,888 $ 153,000
Union, Ohio 9 $ 2,525,000 $ 280,555 $ 94,000
Tillamook, Oregon 9 $ 2,985,000 $ 331,666 $ 141,000
Lancaster, South Carolina 9 $ 2,895,000 $ 321,666 $ 112,000
Rutherford, Tennessee 9 $ 2,845,000 $ 316,111 $ 111,000
Midland, Texas 9 $ 3,905,000 $ 433,888 $ 198,000
Walla Walla, Washington 9 $ 3,005,000 $ 333,888 $ 115,000
St. Croix, Wisconsin 9 $ 2,715,000 $ 301,666 $ 100,000
Limestone, Alabama 8 $ 2,320,000 $ 290,000 $ 98,000
Garland, Arkansas 8 $ 2,790,000 $ 348,750 $ 97,000
Yuba, California 8 $ 3,080,000 $ 385,000 $ 89,000
Eagle, Colorado 8 $ 6,030,000 $ 753,750 $ 115,000
Tolland, Connecticut 8 $ 1,750,000 $ 218,750 $ 127,000
Glynn, Georgia 8 $ 2,210,000 $ 276,250 $ 109,000
Scott, Iowa 8 $ 2,680,000 $ 335,000 $ 144,000
Geary, Kansas 8 $ 1,030,000 $ 128,750 $ 51,000
Miami, Kansas 8 $ 2,190,000 $ 273,750 $ 93,000
Calcasieu, Louisiana 8 $ 2,020,000 $ 252,500 $ 83,000
Charles, Maryland 8 $ 3,210,000 $ 401,250 $ 138,000
Grand Traverse, Michigan 8 $ 2,320,000 $ 290,000 $ 90,000
Kalamazoo, Michigan 8 $ 2,110,000 $ 263,750 $ 118,000
Muskegon, Michigan 8 $ 2,160,000 $ 270,000 $ 76,000
Carroll, New Hampshire 8 $ 3,220,000 $ 402,500 $ 125,000
Cape May, New Jersey 8 $ 3,090,000 $ 386,250 $ 207,000
Rowan, North Carolina 8 $ 2,280,000 $ 285,000 $ 90,000
Rogers, Oklahoma 8 $ 1,820,000 $ 227,500 $ 78,000
Butler, Pennsylvania 8 $ 2,560,000 $ 320,000 $ 56,000
Hidalgo, Texas 8 $ 1,870,000 $ 233,750 $ 139,000
Hood, Texas 8 $ 2,610,000 $ 326,250 $ 112,000
Charlottesville, Virginia 8 $ 2,870,000 $ 358,750 $ 143,000
Frederick, Virginia 8 $ 2,620,000 $ 327,500 $ 114,000
Suffolk, Virginia 8 $ 2,600,000 $ 325,000 $ 67,000
Kenosha, Wisconsin 8 $ 2,310,000 $ 288,750 $ 112,000
Sitka, Alaska 7 $ 3,265,000 $ 466,428 $ 118,000
Yuma, Arizona 7 $ 1,905,000 $ 272,142 $ 126,000
Humboldt, California 7 $ 1,945,000 $ 277,857 $ 87,000
Bartow, Georgia 7 $ 1,815,000 $ 259,285 $ 75,000
Jackson, Georgia 7 $ 2,425,000 $ 346,428 $ 88,000
Walton, Georgia 7 $ 2,165,000 $ 309,285 $ 113,000
Madison, Illinois 7 $ 1,675,000 $ 239,285 $ 97,000
Hendricks, Indiana 7 $ 2,065,000 $ 295,000 $ 88,000
Johnson, Indiana 7 $ 1,685,000 $ 240,714 $ 67,000
Porter, Indiana 7 $ 2,155,000 $ 307,857 $ 124,000
Berkshire, Massachusetts 7 $ 2,475,000 $ 353,571 $ 122,000
Ingham, Michigan 7 $ 2,405,000 $ 343,571 $ 140,000
Clinton, Missouri 7 $ 1,705,000 $ 243,571 $ 106,000
Jasper, Missouri 7 $ 1,525,000 $ 217,857 $ 94,000
Taney, Missouri 7 $ 1,565,000 $ 223,571 $ 79,000
Churchill, Nevada 7 $ 2,105,000 $ 300,714 $ 74,000
Belknap, New Hampshire 7 $ 2,505,000 $ 357,857 $ 136,000
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Mortgage Loan Application Detail Totals for NBKC Bank in 2021

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 13,056 $4,462,560,000 $341,000 $1,465,000 $127,000 $2,550,000
Home Purchase 10,774 $4,338,730,000 $402,000 $4,055,000 $132,000 $1,056,000
Cash-out Refinancing 6,610 $2,395,530,000 $362,000 $1,505,000 $130,000 $1,423,000
Not Applicable 1,743 $540,045,000 $309,000 $3,205,000 $2,000 $4,020,000
Home Improvement 82 $24,030,000 $293,000 $625,000 $93,000 $325,000
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 19,415 $6,937,215,000 $357,000 $3,205,000 $124,000 $4,020,000
Not Provided 4,753 $1,800,965,000 $378,000 $2,105,000 $126,000 $1,767,000
Asian 3,358 $1,344,690,000 $400,000 $1,505,000 $132,000 $1,969,000
Hispanic 2,790 $978,820,000 $350,000 $1,525,000 $109,000 $823,000
Black or African American 1,358 $453,430,000 $333,000 $1,115,000 $107,000 $694,000
Native Hawaiian or Other Pacific Islander 41 $16,805,000 $409,000 $925,000 $128,000 $284,000
American Indian or Alaskan Native 40 $15,330,000 $383,000 $725,000 $125,000 $333,000
Not applicable 17 $13,835,000 $813,000 $4,055,000 $34,000 $34,000

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) 26,351 $9,336,715,000 $354,000 $4,055,000 $123,000 $4,020,000
VA-guaranteed (Veterans Administration) 5,609 $2,335,205,000 $416,000 $1,555,000 $118,000 $823,000
FHA-insured (Federal Housing Administration) 305 $88,975,000 $291,000 $805,000 $87,000 $291,000
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 18,364 $6,644,240,000 $361,000 $4,055,000 $141,000 $2,180,000
Application Withdrawn By Applicant 5,562 $2,008,220,000 $361,000 $1,525,000 $129,000 $4,020,000
Preapproval Approved but not Accepted 3,593 $1,558,095,000 $433,000 $1,605,000 $130,000 $1,056,000
File Closed For Incompleteness 2,694 $829,470,000 $307,000 $3,205,000 $2,000 $1,350,000
Application Denied By Financial Institution 1,536 $524,650,000 $341,000 $1,505,000 $93,000 $664,000
Preapproval Denied by Financial Institution 335 $133,735,000 $399,000 $1,505,000 $94,000 $465,000
Application Approved But Not Accepted 137 $46,985,000 $342,000 $815,000 $130,000 $694,000
Loan Purchased By The Institution 44 $15,500,000 $352,000 $975,000 $126,000 $363,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 30,394 $11,102,510,000 $365,000 $4,055,000 $124,000 $4,020,000
Debt-To-Income Ratio 689 $259,665,000 $376,000 $1,505,000 $80,000 $465,000
Unverifiable Information 603 $217,455,000 $360,000 $1,505,000 $125,000 $562,000
Credit History 364 $105,220,000 $289,000 $1,355,000 $51,000 $422,000
Collateral 129 $45,665,000 $353,000 $855,000 $122,000 $664,000
Employment History 73 $25,575,000 $350,000 $825,000 $115,000 $561,000
Other 9 $3,495,000 $388,000 $1,095,000 $118,000 $238,000
Credit Application Incomplete 4 $1,310,000 $327,000 $495,000 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into NBKC Bank's 2021 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 NBKC 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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