In 2025, Pike Creek Mortgage Services, Inc. of Newark, DE reported 3,824 mortgage applications totaling $1.3 billion, up 137% from 2024. The average application was for $347,241, and applicants reported an average income of $141,307. 76% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Wilmington, DE-MD-NJ (1,114), Louisville/Jefferson County, KY-IN (324) and Dover, DE (240) (applications in parentheses).
| Mortgage Company & Address | Pike Creek Mortgage Services, Inc. 2100 Drummond Plaza Newark, DE 19711 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 3,824 |
| Total Mortgage Loan Application Amount | $1,327,850,000 |
| Average Mortgage Loan Application Amount | $347,241 |
| Highest Mortgage Loan Application Amount | $1,685,000 |
| Average Applicant Income | $141,307 |
| Highest Applicant Income | $2,823,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pike Creek Mortgage Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Wilmington, DE-MD-NJ | 1,114 | $ 354,900,000 | $ 318,581 | $ 121,947 |
| Outside any metro area | 584 | $ 194,930,000 | $ 333,784 | $ 166,113 |
| Louisville/Jefferson County, KY-IN | 324 | $ 86,430,000 | $ 266,759 | $ 106,790 |
| Dover, DE | 240 | $ 81,110,000 | $ 337,958 | $ 119,000 |
| Montgomery County-Bucks County-Chester County, PA | 109 | $ 49,255,000 | $ 451,880 | $ 191,000 |
| New York-Jersey City-White Plains, NY-NJ | 97 | $ 60,805,000 | $ 626,855 | $ 196,340 |
| Abilene, TX | 77 | $ 18,435,000 | $ 239,415 | $ 92,000 |
| Denver-Aurora-Lakewood, CO | 71 | $ 35,625,000 | $ 501,760 | $ 187,000 |
| Corpus Christi, TX | 57 | $ 17,225,000 | $ 302,192 | $ 117,000 |
| Greenville-Anderson-Mauldin, SC | 49 | $ 13,525,000 | $ 276,020 | $ 103,000 |
| Nassau County-Suffolk County, NY | 47 | $ 26,555,000 | $ 565,000 | $ 219,000 |
| Philadelphia, PA | 47 | $ 13,845,000 | $ 294,574 | $ 153,000 |
| Chicago-Naperville, IL | 42 | $ 13,840,000 | $ 329,523 | $ 164,000 |
| Raleigh, NC | 32 | $ 15,610,000 | $ 487,812 | $ 198,000 |
| Elmira, NY | 27 | $ 4,635,000 | $ 171,666 | $ 77,000 |
| Austin-Round Rock, TX | 26 | $ 9,330,000 | $ 358,846 | $ 154,000 |
| Odessa, TX | 25 | $ 6,235,000 | $ 249,400 | $ 99,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 23 | $ 9,795,000 | $ 425,869 | $ 173,000 |
| Cincinnati, OH-KY-IN | 21 | $ 6,085,000 | $ 289,761 | $ 109,333 |
| Houston-The Woodlands-Sugar Land, TX | 20 | $ 6,160,000 | $ 308,000 | $ 111,000 |
| San Diego-Carlsbad, CA | 20 | $ 13,680,000 | $ 684,000 | $ 240,000 |
| Arlington-Alexandria-Reston, VA-WV | 19 | $ 12,115,000 | $ 637,631 | $ 227,000 |
| Camden, NJ | 19 | $ 6,495,000 | $ 341,842 | $ 142,000 |
| Fort Collins, CO | 18 | $ 8,260,000 | $ 458,888 | $ 164,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 18 | $ 7,710,000 | $ 428,333 | $ 122,000 |
| Newark, NJ-PA | 18 | $ 10,170,000 | $ 565,000 | $ 181,000 |
| San Antonio-New Braunfels, TX | 18 | $ 5,590,000 | $ 310,555 | $ 122,000 |
| Spartanburg, SC | 18 | $ 4,130,000 | $ 229,444 | $ 73,000 |
| Baltimore-Columbia-Towson, MD | 17 | $ 5,995,000 | $ 352,647 | $ 139,000 |
| Richmond, VA | 16 | $ 7,360,000 | $ 460,000 | $ 181,000 |
| St. Louis, MO-IL | 16 | $ 3,490,000 | $ 218,125 | $ 122,000 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 4,960,000 | $ 310,000 | $ 115,000 |
| Oakland-Hayward-Berkeley, CA | 15 | $ 9,685,000 | $ 645,666 | $ 235,000 |
| Dallas-Plano-Irving, TX | 14 | $ 4,570,000 | $ 326,428 | $ 196,000 |
| Bowling Green, KY | 13 | $ 4,135,000 | $ 318,076 | $ 134,000 |
| Charlotte-Concord-Gastonia, NC-SC | 13 | $ 5,435,000 | $ 418,076 | $ 115,307 |
| Fort Worth-Arlington, TX | 13 | $ 5,305,000 | $ 408,076 | $ 159,000 |
| Huntington-Ashland, WV-KY-OH | 13 | $ 2,665,000 | $ 205,000 | $ 120,615 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 13 | $ 5,125,000 | $ 394,230 | $ 174,000 |
| Sherman-Denison, TX | 13 | $ 7,295,000 | $ 561,153 | $ 220,000 |
| El Paso, TX | 12 | $ 2,920,000 | $ 243,333 | $ 110,000 |
| North Port-Sarasota-Bradenton, FL | 12 | $ 6,780,000 | $ 565,000 | $ 390,000 |
| Tampa, FL | 12 | $ 5,020,000 | $ 418,333 | $ 149,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 12 | $ 4,850,000 | $ 404,166 | $ 184,583 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 12 | $ 4,910,000 | $ 409,166 | $ 190,000 |
| Beaumont-Port Arthur, TX | 11 | $ 2,545,000 | $ 231,363 | $ 100,000 |
| Bismarck, ND | 11 | $ 2,835,000 | $ 257,727 | $ 102,000 |
| Columbia, SC | 11 | $ 2,755,000 | $ 250,454 | $ 85,000 |
| Huntsville, AL | 11 | $ 3,375,000 | $ 306,818 | $ 122,000 |
| Riverside-San Bernardino-Ontario, CA | 11 | $ 5,855,000 | $ 532,272 | $ 314,000 |
| Stockton-Lodi, CA | 11 | $ 4,705,000 | $ 427,727 | $ 165,000 |
| Elizabethtown-Fort Knox, KY | 10 | $ 2,100,000 | $ 210,000 | $ 69,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 4,780,000 | $ 478,000 | $ 161,000 |
| Lexington-Fayette, KY | 10 | $ 2,890,000 | $ 289,000 | $ 108,000 |
| Miami-Miami Beach-Kendall, FL | 10 | $ 4,520,000 | $ 452,000 | $ 214,000 |
| Rochester, NY | 9 | $ 2,295,000 | $ 255,000 | $ 225,000 |
| Columbus, OH | 8 | $ 2,790,000 | $ 348,750 | $ 144,000 |
| Dayton-Springfield-Kettering, OH | 8 | $ 2,180,000 | $ 272,500 | $ 136,000 |
| Lake Charles, LA | 8 | $ 1,770,000 | $ 221,250 | $ 137,000 |
| Lakewood-New Brunswick, NJ | 8 | $ 4,330,000 | $ 541,250 | $ 310,000 |
| Roanoke, VA | 8 | $ 2,050,000 | $ 256,250 | $ 84,000 |
| Asheville, NC | 7 | $ 1,665,000 | $ 237,857 | $ 107,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,255,000 | $ 322,142 | $ 106,000 |
| Florence, SC | 7 | $ 2,055,000 | $ 293,571 | $ 104,000 |
| Binghamton, NY | 6 | $ 920,000 | $ 153,333 | $ 66,000 |
| Boulder, CO | 6 | $ 1,530,000 | $ 255,000 | $ 109,000 |
| Colorado Springs, CO | 6 | $ 2,800,000 | $ 466,666 | $ 156,000 |
| Durham-Chapel Hill, NC | 6 | $ 2,690,000 | $ 448,333 | $ 170,000 |
| Greeley, CO | 6 | $ 2,950,000 | $ 491,666 | $ 167,000 |
| Lake County-Kenosha County, IL-WI | 6 | $ 2,500,000 | $ 416,666 | $ 162,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 3,060,000 | $ 510,000 | $ 219,000 |
| Port St. Lucie, FL | 6 | $ 2,410,000 | $ 401,666 | $ 145,000 |
| St. Petersburg-Clearwater-Largo, FL | 6 | $ 3,090,000 | $ 515,000 | $ 212,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 2,005,000 | $ 401,000 | $ 185,600 |
| Birmingham-Hoover, AL | 5 | $ 945,000 | $ 189,000 | $ 65,000 |
| Detroit-Dearborn-Livonia, MI | 5 | $ 865,000 | $ 173,000 | $ 78,000 |
| Fargo, ND-MN | 5 | $ 1,505,000 | $ 301,000 | $ 88,000 |
| Grand Junction, CO | 5 | $ 1,675,000 | $ 335,000 | $ 148,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,875,000 | $ 375,000 | $ 117,000 |
| Modesto, CA | 5 | $ 1,665,000 | $ 333,000 | $ 103,000 |
| Anaheim-Santa Ana-Irvine, CA | 4 | $ 2,800,000 | $ 700,000 | $ 182,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 4 | $ 840,000 | $ 210,000 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,250,000 | $ 312,500 | $ 174,000 |
| Lancaster, PA | 4 | $ 1,600,000 | $ 400,000 | $ 171,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,370,000 | $ 342,500 | $ 86,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 2,180,000 | $ 545,000 | $ 269,000 |
| Owensboro, KY | 4 | $ 640,000 | $ 160,000 | $ 48,000 |
| Reading, PA | 4 | $ 1,540,000 | $ 385,000 | $ 169,000 |
| Salisbury, MD-DE | 4 | $ 1,120,000 | $ 280,000 | $ 105,000 |
| Wilmington, NC | 4 | $ 1,100,000 | $ 275,000 | $ 144,000 |
| York-Hanover, PA | 4 | $ 1,410,000 | $ 352,500 | $ 162,000 |
| Yuba City, CA | 4 | $ 1,620,000 | $ 405,000 | $ 93,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 1,565,000 | $ 521,666 | $ 474,000 |
| Bellingham, WA | 3 | $ 2,375,000 | $ 791,666 | $ 260,000 |
| Chattanooga, TN-GA | 3 | $ 985,000 | $ 328,333 | $ 187,000 |
| Decatur, AL | 3 | $ 805,000 | $ 268,333 | $ 125,000 |
| Everett, WA | 3 | $ 1,145,000 | $ 381,666 | $ 169,000 |
| Harrisburg-Carlisle, PA | 3 | $ 1,055,000 | $ 351,666 | $ 161,000 |
| Lafayette, LA | 3 | $ 705,000 | $ 235,000 | $ 149,000 |
| Memphis, TN-MS-AR | 3 | $ 1,545,000 | $ 515,000 | $ 153,000 |
| Rocky Mount, NC | 3 | $ 725,000 | $ 241,666 | $ 83,000 |
| Washington, DC-MD | 3 | $ 1,865,000 | $ 621,666 | $ 199,000 |
| Washington-Baltimore-Arlington, DC | 3 | $ 1,665,000 | $ 555,000 | $ 230,000 |
| Clarksville, TN-KY | 2 | $ 740,000 | $ 370,000 | $ 128,500 |
| Elgin, IL | 2 | $ 1,010,000 | $ 505,000 | $ 182,000 |
| Goldsboro, NC | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| Homosassa Springs, FL | 2 | $ 760,000 | $ 380,000 | $ 130,000 |
| Jacksonville, FL | 2 | $ 670,000 | $ 335,000 | $ 96,000 |
| Lakeland-Winter Haven, FL | 2 | $ 410,000 | $ 205,000 | $ 100,000 |
| Lexington Park, MD | 2 | $ 1,040,000 | $ 520,000 | $ 130,000 |
| Midland, TX | 2 | $ 760,000 | $ 380,000 | $ 216,000 |
| Mobile, AL | 2 | $ 520,000 | $ 260,000 | $ 118,000 |
| Punta Gorda, FL | 2 | $ 520,000 | $ 260,000 | $ 145,000 |
| San Angelo, TX | 2 | $ 430,000 | $ 215,000 | $ 121,000 |
| San Francisco-Redwood City-South San Francisco, CA | 2 | $ 1,120,000 | $ 560,000 | $ 164,000 |
| Tyler, TX | 2 | $ 630,000 | $ 315,000 | $ 132,000 |
| Vineland-Bridgeton, NJ | 2 | $ 750,000 | $ 375,000 | $ 164,000 |
| Ann Arbor, MI | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 385,000 | $ 385,000 | $ 251,000 |
| Auburn-Opelika, AL | 1 | $ 425,000 | $ 425,000 | $ 244,000 |
| Bakersfield, CA | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Baton Rouge, LA | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Burlington, NC | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Charleston-North Charleston, SC | 1 | $ 375,000 | $ 375,000 | $ 102,000 |
| Fayetteville, NC | 1 | $ 235,000 | $ 235,000 | $ 66,000 |
| Gadsden, AL | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Grand Forks, ND-MN | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Greensboro-High Point, NC | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Jackson, TN | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Lansing-East Lansing, MI | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Lima, OH | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,055,000 | $ 1,055,000 | $ 385,000 |
| Lubbock, TX | 1 | $ 115,000 | $ 115,000 | $ 42,000 |
| Lynchburg, VA | 1 | $ 225,000 | $ 225,000 | $ 48,000 |
| Marietta, GA | 1 | $ 765,000 | $ 765,000 | $ 254,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 225,000 | $ 225,000 | $ 57,000 |
| Morristown, TN | 1 | $ 355,000 | $ 355,000 | $ 269,000 |
| Muskegon, MI | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Ocala, FL | 1 | $ 605,000 | $ 605,000 | $ 173,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 885,000 | $ 885,000 | $ 217,000 |
| Parkersburg-Vienna, WV | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 305,000 | $ 305,000 | $ 160,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 295,000 | $ 295,000 | $ 56,000 |
| Pueblo, CO | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 615,000 | $ 615,000 | $ 172,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 765,000 | $ 765,000 | $ 310,000 |
| Tacoma-Lakewood, WA | 1 | $ 545,000 | $ 545,000 | $ 290,000 |
| Tallahassee, FL | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Terre Haute, IN | 1 | $ 245,000 | $ 245,000 | $ 50,000 |
| Victoria, TX | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Wildwood-The Villages, FL | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
| Winston-Salem, NC | 1 | $ 425,000 | $ 425,000 | $ 198,000 |
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,274 | $1,144,270,000 | $349,000 | $1,685,000 | $142,000 | $2,823,000 |
| Refinancing | 320 | $123,090,000 | $384,000 | $1,205,000 | $150,000 | $721,000 |
| Cash-out Refinancing | 160 | $46,660,000 | $291,000 | $1,245,000 | $130,000 | $814,000 |
| Other Purpose | 70 | $13,830,000 | $197,000 | $465,000 | $95,000 | $466,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 2,543 | $875,705,000 | $344,000 | $1,685,000 | $145,000 | $2,823,000 |
| Black or African American | 456 | $143,250,000 | $314,000 | $1,285,000 | $104,000 | $547,000 |
| Hispanic | 357 | $119,345,000 | $334,000 | $1,165,000 | $123,000 | $649,000 |
| Not Provided | 269 | $105,695,000 | $392,000 | $1,285,000 | $165,000 | $1,251,000 |
| Asian | 180 | $77,880,000 | $432,000 | $1,195,000 | $184,000 | $745,000 |
| American Indian or Alaskan Native | 11 | $3,055,000 | $277,000 | $475,000 | $120,000 | $301,000 |
| Not applicable | 5 | $1,785,000 | $357,000 | $455,000 | $129,000 | $153,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $1,135,000 | $378,000 | $595,000 | $91,000 | $149,000 |
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) | 2,548 | $933,680,000 | $366,000 | $1,685,000 | $163,000 | $2,823,000 |
| FHA-insured (Federal Housing Administration) | 949 | $276,215,000 | $291,000 | $1,285,000 | $90,000 | $440,000 |
| VA-guaranteed (Veterans Administration) | 245 | $101,205,000 | $413,000 | $1,025,000 | $125,000 | $475,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $16,750,000 | $204,000 | $365,000 | $75,000 | $126,000 |
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 | 2,898 | $1,007,280,000 | $347,000 | $1,685,000 | $141,000 | $1,776,000 |
| Application Withdrawn By Applicant | 711 | $257,385,000 | $362,000 | $1,355,000 | $145,000 | $1,029,000 |
| Application Denied By Financial Institution | 123 | $38,305,000 | $311,000 | $1,285,000 | $117,000 | $1,251,000 |
| Preapproval Approved but not Accepted | 63 | $18,475,000 | $293,000 | $1,205,000 | $99,000 | $745,000 |
| File Closed For Incompleteness | 23 | $5,385,000 | $234,000 | $555,000 | $293,000 | $2,823,000 |
| Preapproval Denied by Financial Institution | 4 | $20,000 | $5,000 | $5,000 | $86,000 | $90,000 |
| Application Approved But Not Accepted | 2 | $1,000,000 | $500,000 | $675,000 | $130,000 | $170,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,697 | $1,289,525,000 | $348,000 | $1,685,000 | $142,000 | $2,823,000 |
| Unverifiable Information | 57 | $12,985,000 | $227,000 | $935,000 | $143,000 | $1,251,000 |
| Debt-To-Income Ratio | 40 | $16,210,000 | $405,000 | $1,285,000 | $100,000 | $259,000 |
| Credit History | 10 | $2,660,000 | $266,000 | $765,000 | $81,000 | $187,000 |
| Employment History | 6 | $2,060,000 | $343,000 | $725,000 | $84,000 | $178,000 |
| Other | 6 | $1,860,000 | $310,000 | $515,000 | $88,000 | $133,000 |
| Collateral | 5 | $1,165,000 | $233,000 | $385,000 | $91,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,385,000 | $461,000 | $685,000 | $111,000 | $163,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pike Creek Mortgage Services, Inc.'s 2025 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 Pike Creek Mortgage Services, Inc.'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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