Santander Bank, N.A.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Santander Bank, N.A. 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Santander Bank, N.A. 824 North Market Street, Suite 100 Wilmington, DE 19801 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 15,498 |
| Total Mortgage Loan Application Amount | $5,964,576,000 |
| Average Mortgage Loan Application Amount | $440,333 |
| Highest Mortgage Loan Application Amount | $49,522,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $4,937,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Santander Bank, N.A.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Santander Bank, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Santander Bank, N.A.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Santander Bank, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Santander Bank, N.A., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Santander Bank, N.A.'s mortgage activity for 2015.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 3,222 | $ 1,645,831,000 | $ 496,500 | $ 118,500 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1,921 | $ 684,616,000 | $ 356,000 | $ 131,000 |
| BOSTON, MA | 1,580 | $ 510,768,000 | $ 323,000 | $ 124,000 |
| PROVIDENCE-WARWICK, RI-MA | 1,413 | $ 309,695,000 | $ 218,000 | $ 102,500 |
| NEWARK, NJ-PA | 747 | $ 342,263,000 | $ 338,500 | $ 148,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 692 | $ 271,682,000 | $ 392,000 | $ 164,000 |
| PHILADELPHIA, PA | 499 | $ 161,184,000 | $ 323,000 | $ 95,000 |
| WORCESTER, MA-CT | 387 | $ 98,780,000 | $ 205,500 | $ 124,500 |
| READING, PA | 351 | $ 55,955,000 | $ 159,000 | $ 84,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 321 | $ 73,316,000 | $ 228,000 | $ 96,000 |
| BARNSTABLE TOWN, MA | 281 | $ 76,856,000 | $ 273,000 | $ 144,000 |
| ALBANY-SCHENECTADY-TROY, NY | 268 | $ 61,503,000 | $ 229,000 | $ 103,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 249 | $ 132,174,000 | $ 530,000 | $ 155,000 |
| HARRISBURG-CARLISLE, PA | 195 | $ 41,118,000 | $ 210,000 | $ 83,000 |
| CAMDEN, NJ | 189 | $ 95,911,000 | $ 507,000 | $ 114,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 180 | $ 57,484,000 | $ 264,000 | $ 82,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 167 | $ 42,153,000 | $ 252,000 | $ 114,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 155 | $ 61,657,000 | $ 397,000 | $ 189,000 |
| LANCASTER, PA | 151 | $ 25,822,000 | $ 171,000 | $ 77,000 |
| YORK-HANOVER, PA | 147 | $ 20,351,000 | $ 138,000 | $ 73,000 |
| WILLIAMSPORT, PA | 146 | $ 22,706,000 | $ 155,000 | $ 71,000 |
| TRENTON, NJ | 133 | $ 31,134,000 | $ 234,000 | $ 115,000 |
| MANCHESTER-NASHUA, NH | 130 | $ 33,882,000 | $ 260,000 | $ 117,000 |
| NEW HAVEN-MILFORD, CT | 108 | $ 34,126,000 | $ 315,000 | $ 127,000 |
| WILMINGTON, DE-MD-NJ | 108 | $ 32,814,000 | $ 291,000 | $ 134,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 97 | $ 107,945,000 | $ 1,112,000 | $ 189,000 |
| LEBANON, PA | 80 | $ 10,270,000 | $ 128,000 | $ 66,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 57 | $ 8,481,000 | $ 148,000 | $ 88,000 |
| CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL | 57 | $ 60,121,000 | $ 1,054,000 | $ 56,000 |
| SPRINGFIELD, MA | 57 | $ 10,630,000 | $ 186,000 | $ 79,000 |
| OCEAN CITY, NJ | 56 | $ 23,864,000 | $ 426,000 | $ 357,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 52 | $ 117,367,000 | $ 2,257,000 | $ 30,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 48 | $ 113,421,000 | $ 3,323,666 | $ 136,666 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 42 | $ 24,826,000 | $ 591,000 | $ 24,000 |
| PORTLAND-SOUTH PORTLAND, ME | 41 | $ 17,391,000 | $ 424,000 | $ 234,000 |
| SILVER SPRING-FREDERICK-ROCKVILLE, MD | 40 | $ 47,203,000 | $ 1,180,000 | $ 281,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 31 | $ 7,703,000 | $ 248,000 | $ 219,000 |
| SALISBURY, MD-DE | 30 | $ 12,577,000 | $ 360,500 | $ 346,500 |
| STATE COLLEGE, PA | 26 | $ 5,723,000 | $ 220,000 | $ 105,000 |
| PITTSFIELD, MA | 25 | $ 7,196,000 | $ 287,000 | $ 232,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 19 | $ 5,368,000 | $ 282,000 | $ 160,000 |
| EAST STROUDSBURG, PA | 15 | $ 2,531,000 | $ 168,000 | $ 139,000 |
| GLENS FALLS, NY | 14 | $ 3,016,000 | $ 215,000 | $ 103,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 13 | $ 2,433,000 | $ 187,000 | $ 105,000 |
| PITTSBURGH, PA | 11 | $ 6,799,000 | $ 618,000 | $ 138,000 |
| ROCHESTER, NY | 9 | $ 2,026,000 | $ 225,000 | $ 166,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 9 | $ 3,062,000 | $ 340,000 | $ 276,000 |
| BLOOMSBURG-BERWICK, PA | 8 | $ 1,115,000 | $ 139,000 | $ 65,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 8 | $ 5,979,000 | $ 448,500 | $ 50,500 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 8 | $ 5,672,000 | $ 709,000 | $ 100,000 |
| NORWICH-NEW LONDON, CT | 8 | $ 1,558,000 | $ 194,000 | $ 100,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 7 | $ 9,464,000 | $ 1,352,000 | $ 15,000 |
| WINSTON-SALEM, NC | 7 | $ 711,000 | $ 101,000 | $ 49,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 6 | $ 15,346,000 | $ 2,557,000 | $ 0 |
| CAPE CORAL-FORT MYERS, FL | 6 | $ 1,714,000 | $ 285,000 | $ 294,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 6 | $ 608,000 | $ 101,000 | $ 64,000 |
| CINCINNATI, OH-KY-IN | 6 | $ 538,000 | $ 89,000 | $ 72,000 |
| GREENSBORO-HIGH POINT, NC | 6 | $ 547,000 | $ 91,000 | $ 45,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 6 | $ 1,577,000 | $ 262,000 | $ 307,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 6 | $ 8,538,000 | $ 1,423,000 | $ 22,000 |
| ST. LOUIS, MO-IL | 6 | $ 661,000 | $ 110,000 | $ 78,000 |
| UTICA-ROME, NY | 6 | $ 542,000 | $ 90,000 | $ 93,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 6 | $ 44,490,000 | $ 7,415,000 | $ 351,000 |
| BURLINGTON-SOUTH BURLINGTON, VT | 5 | $ 1,125,000 | $ 225,000 | $ 123,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 5 | $ 340,000 | $ 68,000 | $ 44,000 |
| ITHACA, NY | 5 | $ 58,120,000 | $ 11,624,000 | $ 0 |
| KINGSTON, NY | 5 | $ 940,000 | $ 188,000 | $ 136,000 |
| SAN DIEGO-CARLSBAD, CA | 5 | $ 10,474,000 | $ 2,094,000 | $ 33,000 |
| SYRACUSE, NY | 5 | $ 552,000 | $ 110,000 | $ 75,000 |
| ASHEVILLE, NC | 4 | $ 523,000 | $ 130,000 | $ 51,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 4 | $ 358,000 | $ 89,000 | $ 87,000 |
| DOVER, DE | 4 | $ 611,000 | $ 152,000 | $ 95,000 |
| GARY, IN | 4 | $ 429,000 | $ 107,000 | $ 40,000 |
| LEWISTON-AUBURN, ME | 4 | $ 7,248,000 | $ 1,812,000 | $ 304,000 |
| RICHMOND, VA | 4 | $ 15,206,000 | $ 3,801,000 | $ 27,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 4 | $ 499,000 | $ 124,000 | $ 40,000 |
| BANGOR, ME | 3 | $ 564,000 | $ 188,000 | $ 41,000 |
| BINGHAMTON, NY | 3 | $ 398,000 | $ 132,000 | $ 80,000 |
| CLEVELAND-ELYRIA, OH | 3 | $ 260,000 | $ 86,000 | $ 63,000 |
| DURHAM-CHAPEL HILL, NC | 3 | $ 7,754,000 | $ 2,584,000 | $ 188,000 |
| ELGIN, IL | 3 | $ 689,000 | $ 229,000 | $ 132,000 |
| ELKHART-GOSHEN, IN | 3 | $ 221,000 | $ 73,000 | $ 39,000 |
| GETTYSBURG, PA | 3 | $ 292,000 | $ 97,000 | $ 60,000 |
| HAGERSTOWN-MARTINSBURG, MD-WV | 3 | $ 358,000 | $ 119,000 | $ 51,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 2,285,000 | $ 761,000 | $ 156,000 |
| RALEIGH, NC | 3 | $ 316,000 | $ 105,000 | $ 33,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 3 | $ 195,000 | $ 65,000 | $ 27,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 2 | $ 323,000 | $ 161,000 | $ 120,000 |
| BLOOMINGTON, IN | 2 | $ 204,000 | $ 102,000 | $ 37,000 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 1,622,000 | $ 811,000 | $ 0 |
| DAYTON, OH | 2 | $ 121,000 | $ 60,000 | $ 47,000 |
| FORT WORTH-ARLINGTON, TX | 2 | $ 751,000 | $ 375,000 | $ 0 |
| FRESNO, CA | 2 | $ 3,870,000 | $ 1,935,000 | $ 63,000 |
| GAINESVILLE, FL | 2 | $ 191,000 | $ 95,000 | $ 78,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 2 | $ 24,343,000 | $ 12,171,000 | $ 0 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2 | $ 43,463,000 | $ 21,731,000 | $ 0 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 2 | $ 391,000 | $ 195,000 | $ 180,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 2 | $ 987,000 | $ 493,000 | $ 202,000 |
| VINELAND-BRIDGETON, NJ | 2 | $ 729,000 | $ 364,000 | $ 0 |
| WATERTOWN-FORT DRUM, NY | 2 | $ 729,000 | $ 364,000 | $ 168,000 |
| AKRON, OH | 1 | $ 61,000 | $ 61,000 | $ 22,000 |
| ALBUQUERQUE, NM | 1 | $ 127,000 | $ 127,000 | $ 285,000 |
| AUSTIN-ROUND ROCK, TX | 1 | $ 415,000 | $ 415,000 | $ 0 |
| BREMERTON-SILVERDALE, WA | 1 | $ 417,000 | $ 417,000 | $ 0 |
| CANTON-MASSILLON, OH | 1 | $ 93,000 | $ 93,000 | $ 35,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 333,000 | $ 333,000 | $ 199,000 |
| CHATTANOOGA, TN-GA | 1 | $ 267,000 | $ 267,000 | $ 0 |
| CLEVELAND, TN | 1 | $ 77,000 | $ 77,000 | $ 37,000 |
| COLUMBIA, SC | 1 | $ 135,000 | $ 135,000 | $ 264,000 |
| COLUMBUS, OH | 1 | $ 72,000 | $ 72,000 | $ 22,000 |
| EVANSVILLE, IN-KY | 1 | $ 77,000 | $ 77,000 | $ 117,000 |
| FAYETTEVILLE, NC | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| FORT WAYNE, IN | 1 | $ 63,000 | $ 63,000 | $ 65,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 1 | $ 6,100,000 | $ 6,100,000 | $ 0 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 58,000 | $ 58,000 | $ 30,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 1 | $ 341,000 | $ 341,000 | $ 0 |
| JACKSONVILLE, FL | 1 | $ 2,651,000 | $ 2,651,000 | $ 0 |
| JOHNSTOWN, PA | 1 | $ 32,000 | $ 32,000 | $ 47,000 |
| KANSAS CITY, MO-KS | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 1 | $ 1,829,000 | $ 1,829,000 | $ 0 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 1 | $ 162,000 | $ 162,000 | $ 60,000 |
| MODESTO, CA | 1 | $ 258,000 | $ 258,000 | $ 138,000 |
| MONTGOMERY, AL | 1 | $ 62,000 | $ 62,000 | $ 55,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 1 | $ 212,000 | $ 212,000 | $ 115,000 |
| PORT ST. LUCIE, FL | 1 | $ 150,000 | $ 150,000 | $ 112,000 |
| ROANOKE, VA | 1 | $ 277,000 | $ 277,000 | $ 110,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 1 | $ 750,000 | $ 750,000 | $ 214,000 |
| SAVANNAH, GA | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 124,000 | $ 124,000 | $ 62,000 |
| THE VILLAGES, FL | 1 | $ 190,000 | $ 190,000 | $ 105,000 |
| TULSA, OK | 1 | $ 39,000 | $ 39,000 | $ 26,000 |
| WILMINGTON, NC | 1 | $ 132,000 | $ 132,000 | $ 32,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Santander Bank, N.A. in 2015
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 | 8,268 | $3,259,550,000 | $394,000 | $49,522,000 | $119,000 | $4,937,000 |
| Home Purchase | 6,668 | $2,384,336,000 | $357,000 | $44,625,000 | $123,000 | $2,775,000 |
| Home Improvement | 562 | $320,690,000 | $570,000 | $41,668,000 | $100,000 | $1,223,000 |
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 | 10,678 | $2,930,347,000 | $274,000 | $3,850,000 | $134,000 | $4,937,000 |
| Asian | 1,386 | $466,125,000 | $336,000 | $6,000,000 | $139,000 | $2,775,000 |
| Hispanic | 1,131 | $253,222,000 | $223,000 | $1,900,000 | $70,000 | $1,194,000 |
| Not applicable | 821 | $1,945,136,000 | $2,369,000 | $49,522,000 | $0 | $0 |
| Not Provided | 726 | $206,892,000 | $284,000 | $2,063,000 | $129,000 | $928,000 |
| Black or African American | 679 | $141,234,000 | $208,000 | $1,540,000 | $77,000 | $541,000 |
| American Indian or Alaskan Native | 40 | $11,296,000 | $282,000 | $860,000 | $84,000 | $315,000 |
| Native Hawaiian or Other Pacific Islander | 37 | $10,324,000 | $279,000 | $580,000 | $95,000 | $437,000 |
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) | 14,704 | $5,789,344,000 | $393,000 | $49,522,000 | $123,000 | $4,937,000 |
| FHA-insured (Federal Housing Administration) | 730 | $161,832,000 | $221,000 | $587,000 | $67,000 | $560,000 |
| VA-guaranteed (Veterans Administration) | 64 | $13,400,000 | $209,000 | $417,000 | $74,000 | $208,000 |
| 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 | 11,009 | $3,582,134,000 | $325,000 | $49,522,000 | $131,000 | $4,937,000 |
| Application Denied By Financial Institution | 2,248 | $574,968,000 | $255,000 | $27,000,000 | $98,000 | $3,500,000 |
| Application Withdrawn By Applicant | 992 | $324,827,000 | $327,000 | $5,800,000 | $127,000 | $2,763,000 |
| Loan Purchased By The Institution | 654 | $1,282,321,000 | $1,960,000 | $30,695,000 | $11,000 | $411,000 |
| Application Approved But Not Accepted | 265 | $119,038,000 | $449,000 | $22,000,000 | $135,000 | $2,613,000 |
| Preapproval Denied by Financial Institution | 171 | $36,287,000 | $212,000 | $1,500,000 | $69,000 | $812,000 |
| File Closed For Incompleteness | 159 | $45,001,000 | $283,000 | $1,490,000 | $121,000 | $1,061,000 |
| 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 | 676 | $194,497,000 | $287,000 | $27,000,000 | $120,000 | $2,775,000 |
| Debt-To-Income Ratio | 646 | $167,275,000 | $258,000 | $1,450,000 | $62,000 | $341,000 |
| Credit Application Incomplete | 506 | $117,733,000 | $232,000 | $1,870,000 | $116,000 | $1,200,000 |
| Credit History | 224 | $46,959,000 | $209,000 | $4,150,000 | $66,000 | $288,000 |
| Other | 166 | $39,130,000 | $235,000 | $1,490,000 | $110,000 | $1,058,000 |
| Unverifiable Information | 112 | $27,626,000 | $246,000 | $1,075,000 | $110,000 | $3,500,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 56 | $12,771,000 | $228,000 | $840,000 | $83,000 | $337,000 |
| Employment History | 32 | $4,964,000 | $155,000 | $499,000 | $56,000 | $344,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Santander Bank, N.A.'s 2015 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 Santander Bank, N.A.'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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