Stearns Lending, LLC Mortgage Lending & HMDA Data, 2013

In 2013, Stearns Lending, LLC of Santa Ana, CA reported 68,846 mortgage applications totaling $17.6 billion, up 9% from 2012. The average application was for $255,273, and applicants reported an average income of $87,237. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,700), Santa Ana-Anaheim-Irvine, CA (3,085) and Denver-Aurora-Broomfield, CO (3,004) (applications in parentheses).

Mortgage Company & Address Stearns Lending, LLC
4 Hutton Centre, 10th Floor
Santa Ana, CA 92707
Tel #: available with data download
Federal Regulator * available with data download
Years 2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 68,846
Total Mortgage Loan Application Amount $17,574,529,000
Average Mortgage Loan Application Amount $255,273
Highest Mortgage Loan Application Amount $2,000,000
Average Applicant Income $87,237
Highest Applicant Income $9,489,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stearns Lending, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Stearns Lending, LLC by County in 2013

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles, California 4,700 $ 1,606,157,000 $ 341,735 $ 101,000
Orange, California 3,085 $ 1,153,723,000 $ 373,978 $ 112,000
Santa Clara, California 2,818 $ 1,130,372,000 $ 401,125 $ 125,000
Salt Lake, Utah 2,462 $ 557,276,000 $ 226,350 $ 79,000
Sonoma, California 2,331 $ 702,944,000 $ 301,563 $ 98,000
Maricopa, Arizona 2,308 $ 467,135,000 $ 202,398 $ 74,000
Alameda, California 1,686 $ 580,131,000 $ 344,087 $ 111,000
Riverside, California 1,547 $ 384,250,000 $ 248,383 $ 94,000
San Diego, California 1,482 $ 502,712,000 $ 339,211 $ 98,000
Clark, Nevada 1,416 $ 278,351,000 $ 196,575 $ 78,000
Contra Costa, California 1,219 $ 404,215,000 $ 331,595 $ 109,000
Cook, Illinois 1,219 $ 262,053,000 $ 214,973 $ 90,000
Utah, Utah 1,049 $ 220,005,000 $ 209,728 $ 72,000
San Bernardino, California 844 $ 204,547,000 $ 242,354 $ 86,000
Davis, Utah 830 $ 168,920,000 $ 203,518 $ 70,000
San Mateo, California 788 $ 322,288,000 $ 408,994 $ 111,000
Sacramento, California 757 $ 166,141,000 $ 219,472 $ 76,000
Arapahoe, Colorado 685 $ 144,547,000 $ 211,017 $ 69,000
Denver, Colorado 677 $ 148,708,000 $ 219,657 $ 70,000
San Joaquin, California 671 $ 147,735,000 $ 220,171 $ 83,000
Ventura, California 671 $ 222,342,000 $ 331,359 $ 94,000
Jefferson, Colorado 665 $ 150,538,000 $ 226,372 $ 75,000
Lane, Oregon 618 $ 117,159,000 $ 189,577 $ 71,000
Stanislaus, California 616 $ 108,866,000 $ 176,730 $ 57,000
Washington, Utah 570 $ 108,428,000 $ 190,224 $ 77,000
Bernalillo, New Mexico 556 $ 106,925,000 $ 192,311 $ 81,000
El Paso, Colorado 505 $ 105,930,000 $ 209,762 $ 62,000
San Francisco, California 473 $ 196,930,000 $ 416,342 $ 119,000
Weber, Utah 461 $ 84,459,000 $ 183,208 $ 62,000
Monterey, California 453 $ 118,785,000 $ 262,218 $ 73,000
Adams, Colorado 437 $ 84,333,000 $ 192,981 $ 62,000
Fresno, California 422 $ 80,048,000 $ 189,687 $ 70,000
Douglas, Colorado 422 $ 112,883,000 $ 267,495 $ 91,000
Multnomah, Oregon 420 $ 100,659,000 $ 239,664 $ 93,000
DuPage, Illinois 404 $ 90,048,000 $ 222,891 $ 92,000
Washington, Oregon 382 $ 90,732,000 $ 237,518 $ 86,000
Middlesex, Massachusetts 369 $ 101,536,000 $ 275,165 $ 90,000
Harris, Texas 357 $ 63,561,000 $ 178,042 $ 90,000
Fairfax, Virginia 348 $ 122,954,000 $ 353,316 $ 104,000
Cache, Utah 345 $ 62,522,000 $ 181,223 $ 68,000
Santa Cruz, California 320 $ 116,524,000 $ 364,137 $ 92,000
Providence, Rhode Island 311 $ 58,453,000 $ 187,951 $ 71,000
Allegheny, Pennsylvania 299 $ 49,100,000 $ 164,214 $ 85,000
Bristol, Massachusetts 292 $ 66,215,000 $ 226,763 $ 76,000
Montgomery, Pennsylvania 292 $ 68,497,000 $ 234,578 $ 92,000
Honolulu, Hawaii 285 $ 117,129,000 $ 410,978 $ 93,000
Solano, California 276 $ 66,344,000 $ 240,376 $ 87,000
Placer, California 275 $ 88,559,000 $ 322,032 $ 113,000
Marion, Oregon 262 $ 49,608,000 $ 189,343 $ 72,000
Ada, Idaho 246 $ 51,471,000 $ 209,231 $ 94,000
Montgomery, Maryland 237 $ 78,342,000 $ 330,556 $ 95,000
Santa Barbara, California 234 $ 87,305,000 $ 373,098 $ 120,000
King, Washington 233 $ 74,979,000 $ 321,798 $ 105,000
Kane, Illinois 225 $ 40,409,000 $ 179,595 $ 77,000
Hennepin, Minnesota 225 $ 53,104,000 $ 236,017 $ 104,000
Marin, California 224 $ 101,495,000 $ 453,102 $ 171,000
Weld, Colorado 220 $ 46,114,000 $ 209,609 $ 64,000
Clackamas, Oregon 216 $ 53,442,000 $ 247,416 $ 86,000
Will, Illinois 215 $ 46,117,000 $ 214,497 $ 82,000
Norfolk, Massachusetts 213 $ 57,695,000 $ 270,868 $ 91,000
Clark, Washington 209 $ 43,908,000 $ 210,086 $ 71,000
Yavapai, Arizona 196 $ 33,661,000 $ 171,739 $ 60,000
Luzerne, Pennsylvania 191 $ 28,892,000 $ 151,267 $ 84,000
San Luis Obispo, California 187 $ 61,172,000 $ 327,122 $ 78,000
Pima, Arizona 182 $ 31,279,000 $ 171,862 $ 70,000
Pinal, Arizona 182 $ 30,565,000 $ 167,939 $ 67,000
Prince William, Virginia 182 $ 45,944,000 $ 252,439 $ 64,000
Lake, Illinois 181 $ 41,024,000 $ 226,651 $ 98,000
Collin, Texas 175 $ 34,239,000 $ 195,651 $ 103,000
Hillsborough, Florida 171 $ 31,673,000 $ 185,222 $ 88,000
Boulder, Colorado 167 $ 46,725,000 $ 279,790 $ 82,000
Prince George's, Maryland 167 $ 33,930,000 $ 203,173 $ 56,000
Plymouth, Massachusetts 167 $ 40,735,000 $ 243,922 $ 77,000
Philadelphia, Pennsylvania 167 $ 36,919,000 $ 221,071 $ 81,000
Loudoun, Virginia 167 $ 58,074,000 $ 347,748 $ 102,000
Essex, Massachusetts 165 $ 43,484,000 $ 263,539 $ 91,000
Chester, Pennsylvania 162 $ 40,356,000 $ 249,111 $ 86,000
Spokane, Washington 161 $ 28,221,000 $ 175,285 $ 55,000
Travis, Texas 160 $ 36,091,000 $ 225,568 $ 110,000
Dallas, Texas 158 $ 28,343,000 $ 179,386 $ 114,000
San Juan, New Mexico 154 $ 29,286,000 $ 190,168 $ 78,000
Centre, Pennsylvania 154 $ 31,858,000 $ 206,870 $ 94,000
Tooele, Utah 153 $ 26,832,000 $ 175,372 $ 60,000
Larimer, Colorado 152 $ 34,828,000 $ 229,131 $ 71,000
Denton, Texas 152 $ 29,118,000 $ 191,565 $ 109,000
Fort Bend, Texas 152 $ 31,387,000 $ 206,493 $ 99,000
Baltimore, Maryland 149 $ 31,150,000 $ 209,060 $ 52,000
Jefferson, Kentucky 147 $ 28,493,000 $ 193,829 $ 97,000
Oakland, Michigan 146 $ 31,494,000 $ 215,712 $ 128,000
Bucks, Pennsylvania 145 $ 33,538,000 $ 231,296 $ 77,000
Mohave, Arizona 142 $ 20,174,000 $ 142,070 $ 59,000
Kern, California 142 $ 25,928,000 $ 182,591 $ 87,000
Napa, California 141 $ 50,191,000 $ 355,964 $ 122,000
Box Elder, Utah 140 $ 20,536,000 $ 146,685 $ 57,000
Douglas, Oregon 132 $ 22,828,000 $ 172,939 $ 63,000
Lake, California 129 $ 23,063,000 $ 178,782 $ 76,000
Worcester, Massachusetts 129 $ 28,988,000 $ 224,713 $ 76,000
El Dorado, California 128 $ 39,029,000 $ 304,914 $ 102,000
Tarrant, Texas 127 $ 20,007,000 $ 157,535 $ 91,000
Delaware, Pennsylvania 125 $ 29,076,000 $ 232,608 $ 86,000
Coconino, Arizona 123 $ 28,985,000 $ 235,650 $ 113,000
Suffolk, Massachusetts 117 $ 34,154,000 $ 291,914 $ 106,000
Missoula, Montana 117 $ 24,968,000 $ 213,401 $ 84,000
Madera, California 114 $ 19,935,000 $ 174,868 $ 67,000
Lackawanna, Pennsylvania 114 $ 14,957,000 $ 131,201 $ 59,000
Kootenai, Idaho 113 $ 21,205,000 $ 187,654 $ 45,000
Snohomish, Washington 113 $ 28,328,000 $ 250,690 $ 79,000
Pueblo, Colorado 108 $ 13,724,000 $ 127,074 $ 31,000
Ramsey, Minnesota 108 $ 20,701,000 $ 191,675 $ 88,000
Jefferson, Alabama 107 $ 18,550,000 $ 173,364 $ 19,000
Merced, California 105 $ 16,075,000 $ 153,095 $ 50,000
Washington, Minnesota 105 $ 22,149,000 $ 210,942 $ 78,000
Hillsborough, New Hampshire 101 $ 21,348,000 $ 211,366 $ 96,000
Stafford, Virginia 98 $ 31,951,000 $ 326,030 $ 97,000
Gwinnett, Georgia 96 $ 15,990,000 $ 166,562 $ 69,000
Sussex, Delaware 95 $ 23,789,000 $ 250,410 $ 125,000
Barnstable, Massachusetts 95 $ 22,045,000 $ 232,052 $ 109,000
Tulare, California 93 $ 15,755,000 $ 169,408 $ 39,000
Washington, Rhode Island 92 $ 23,096,000 $ 251,043 $ 100,000
Fairfield, Connecticut 91 $ 24,428,000 $ 268,439 $ 96,000
District of Columbia, District Of Columbia 91 $ 33,600,000 $ 369,230 $ 168,000
San Benito, California 90 $ 30,528,000 $ 339,200 $ 83,000
New Haven, Connecticut 90 $ 15,871,000 $ 176,344 $ 62,000
Fulton, Georgia 89 $ 21,748,000 $ 244,359 $ 128,000
Rockingham, New Hampshire 89 $ 20,581,000 $ 231,247 $ 76,000
Sandoval, New Mexico 89 $ 18,476,000 $ 207,595 $ 90,000
Yolo, California 88 $ 21,137,000 $ 240,193 $ 84,000
New Castle, Delaware 88 $ 19,723,000 $ 224,125 $ 64,000
Douglas, Nebraska 88 $ 13,308,000 $ 151,227 $ 63,000
Bexar, Texas 88 $ 14,329,000 $ 162,829 $ 91,000
Klamath, Oregon 87 $ 13,425,000 $ 154,310 $ 80,000
Mendocino, California 86 $ 20,362,000 $ 236,767 $ 76,000
Broward, Florida 86 $ 19,700,000 $ 229,069 $ 88,000
Bristol, Rhode Island 86 $ 20,125,000 $ 234,011 $ 96,000
Cumberland, Maine 85 $ 18,149,000 $ 213,517 $ 91,000
Anne Arundel, Maryland 85 $ 26,730,000 $ 314,470 $ 88,000
Canyon, Idaho 84 $ 12,451,000 $ 148,226 $ 66,000
Bergen, New Jersey 84 $ 27,365,000 $ 325,773 $ 107,000
Pinellas, Florida 81 $ 16,510,000 $ 203,827 $ 131,000
Columbia, Oregon 80 $ 13,591,000 $ 169,887 $ 69,000
Lancaster, Pennsylvania 80 $ 13,960,000 $ 174,500 $ 66,000
Summit, Utah 78 $ 24,057,000 $ 308,423 $ 120,000
Pasco, Florida 77 $ 10,502,000 $ 136,389 $ 52,000
Franklin, Idaho 77 $ 11,526,000 $ 149,688 $ 59,000
Deschutes, Oregon 77 $ 17,510,000 $ 227,402 $ 97,000
Polk, Oregon 77 $ 14,069,000 $ 182,714 $ 71,000
Kent, Rhode Island 76 $ 15,499,000 $ 203,934 $ 88,000
Shelby, Alabama 75 $ 14,112,000 $ 188,160 $ 2,000
Fremont, Colorado 75 $ 11,387,000 $ 151,826 $ 70,000
Chesterfield, Virginia 75 $ 15,970,000 $ 212,933 $ 89,000
McHenry, Illinois 74 $ 12,843,000 $ 173,554 $ 78,000
Middlesex, New Jersey 73 $ 19,520,000 $ 267,397 $ 113,000
St. Joseph, Indiana 71 $ 13,668,000 $ 192,507 $ 128,000
Passaic, New Jersey 71 $ 19,013,000 $ 267,788 $ 93,000
Nevada, California 69 $ 19,346,000 $ 280,376 $ 137,000
Harford, Maryland 69 $ 16,378,000 $ 237,362 $ 91,000
Dakota, Minnesota 69 $ 14,173,000 $ 205,405 $ 70,000
Wasatch, Utah 69 $ 16,423,000 $ 238,014 $ 76,000
York, Maine 68 $ 15,477,000 $ 227,602 $ 89,000
Worcester, Maryland 67 $ 14,569,000 $ 217,447 $ 112,000
Williamson, Texas 66 $ 12,410,000 $ 188,030 $ 113,000
Scott, Minnesota 65 $ 16,085,000 $ 247,461 $ 162,000
Anoka, Minnesota 64 $ 11,750,000 $ 183,593 $ 70,000
Hamilton, Ohio 64 $ 11,348,000 $ 177,312 $ 83,000
Calaveras, California 63 $ 10,787,000 $ 171,222 $ 103,000
Linn, Oregon 63 $ 9,928,000 $ 157,587 $ 53,000
Miami-Dade, Florida 62 $ 14,928,000 $ 240,774 $ 86,000
Frederick, Maryland 62 $ 15,171,000 $ 244,693 $ 92,000
Pierce, Washington 62 $ 15,064,000 $ 242,967 $ 110,000
Baxter, Arkansas 60 $ 7,842,000 $ 130,700 $ 53,000
Santa Fe, New Mexico 60 $ 13,765,000 $ 229,416 $ 88,000
Forsyth, Georgia 59 $ 14,348,000 $ 243,186 $ 107,000
Howard, Maryland 59 $ 17,410,000 $ 295,084 $ 95,000
La Plata, Colorado 55 $ 13,925,000 $ 253,181 $ 91,000
Valencia, New Mexico 55 $ 8,831,000 $ 160,563 $ 69,000
Orange, Florida 54 $ 11,632,000 $ 215,407 $ 73,000
Bonneville, Idaho 54 $ 8,373,000 $ 155,055 $ 61,000
Blair, Pennsylvania 54 $ 6,927,000 $ 128,277 $ 70,000
Tuolumne, California 53 $ 10,016,000 $ 188,981 $ 90,000
Carroll, Maryland 53 $ 12,648,000 $ 238,641 $ 74,000
Macomb, Michigan 53 $ 7,349,000 $ 138,660 $ 65,000
Jackson, Oregon 53 $ 10,244,000 $ 193,283 $ 84,000
Lehigh, Pennsylvania 53 $ 9,695,000 $ 182,924 $ 68,000
Montezuma, Colorado 52 $ 8,965,000 $ 172,403 $ 60,000
Alexandria, Virginia 52 $ 18,828,000 $ 362,076 $ 115,000
Tuscaloosa, Alabama 51 $ 8,870,000 $ 173,921 $ 3,000
Imperial, California 51 $ 6,727,000 $ 131,901 $ 73,000
Butte, California 50 $ 10,881,000 $ 217,620 $ 85,000
Morris, New Jersey 50 $ 15,146,000 $ 302,920 $ 110,000
Butler, Pennsylvania 50 $ 10,082,000 $ 201,640 $ 89,000
Burlington, New Jersey 49 $ 10,886,000 $ 222,163 $ 86,000
Arlington, Virginia 49 $ 17,652,000 $ 360,244 $ 120,000
Monroe, Pennsylvania 48 $ 6,207,000 $ 129,312 $ 52,000
Hamilton, Tennessee 48 $ 6,180,000 $ 128,750 $ 37,000
Knox, Tennessee 48 $ 8,367,000 $ 174,312 $ 60,000
Brazoria, Texas 48 $ 7,847,000 $ 163,479 $ 87,000
Montgomery, Texas 48 $ 10,311,000 $ 214,812 $ 128,000
Lincoln, New Mexico 47 $ 7,857,000 $ 167,170 $ 96,000
Cumberland, Pennsylvania 46 $ 8,377,000 $ 182,108 $ 82,000
Cobb, Georgia 45 $ 8,631,000 $ 191,800 $ 99,000
Bannock, Idaho 45 $ 6,082,000 $ 135,155 $ 51,000
Wake, North Carolina 45 $ 10,027,000 $ 222,822 $ 65,000
Monmouth, New Jersey 43 $ 13,489,000 $ 313,697 $ 108,000
Northampton, Pennsylvania 43 $ 7,281,000 $ 169,325 $ 80,000
Henrico, Virginia 43 $ 10,011,000 $ 232,813 $ 91,000
Broomfield, Colorado 42 $ 10,889,000 $ 259,261 $ 92,000
Summit, Colorado 42 $ 11,293,000 $ 268,880 $ 146,000
Hamilton, Indiana 42 $ 9,890,000 $ 235,476 $ 70,000
Sarpy, Nebraska 42 $ 6,575,000 $ 156,547 $ 72,000
DeKalb, Georgia 41 $ 9,168,000 $ 223,609 $ 90,000
Kendall, Illinois 41 $ 6,939,000 $ 169,243 $ 74,000
Clark, Indiana 41 $ 5,853,000 $ 142,756 $ 62,000
Lake, Indiana 41 $ 7,026,000 $ 171,365 $ 72,000
St. Louis, Missouri 41 $ 11,053,000 $ 269,585 $ 83,000
Perry, Pennsylvania 41 $ 6,460,000 $ 157,560 $ 75,000
Somerset, New Jersey 39 $ 12,242,000 $ 313,897 $ 99,000
Spotsylvania, Virginia 39 $ 9,919,000 $ 254,333 $ 70,000
Marion, Indiana 38 $ 5,972,000 $ 157,157 $ 92,000
Porter, Indiana 38 $ 7,271,000 $ 191,342 $ 89,000
Wayne, Michigan 38 $ 7,316,000 $ 192,526 $ 91,000
Ravalli, Montana 37 $ 7,235,000 $ 195,540 $ 80,000
Butler, Ohio 36 $ 5,074,000 $ 140,944 $ 61,000
Yamhill, Oregon 36 $ 6,927,000 $ 192,416 $ 78,000
Uintah, Utah 36 $ 6,978,000 $ 193,833 $ 71,000
Manatee, Florida 35 $ 6,337,000 $ 181,057 $ 74,000
Floyd, Indiana 35 $ 6,445,000 $ 184,142 $ 83,000
East Baton Rouge, Louisiana 35 $ 7,107,000 $ 203,057 $ 17,000
Cascade, Montana 35 $ 5,229,000 $ 149,400 $ 64,000
Westmoreland, Pennsylvania 35 $ 6,122,000 $ 174,914 $ 84,000
Randall, Texas 35 $ 5,051,000 $ 144,314 $ 0
Navajo, Arizona 34 $ 4,518,000 $ 132,882 $ 66,000
Hartford, Connecticut 34 $ 6,674,000 $ 196,294 $ 69,000
DeKalb, Illinois 34 $ 4,431,000 $ 130,323 $ 49,000
Baltimore City, Maryland 34 $ 6,457,000 $ 189,911 $ 70,000
Morgan, Utah 34 $ 8,308,000 $ 244,352 $ 74,000
Carver, Minnesota 33 $ 9,068,000 $ 274,787 $ 83,000
Stearns, Minnesota 33 $ 4,793,000 $ 145,242 $ 69,000
Wright, Minnesota 33 $ 6,866,000 $ 208,060 $ 77,000
Sanders, Montana 33 $ 5,733,000 $ 173,727 $ 61,000
Washington, Pennsylvania 33 $ 7,832,000 $ 237,333 $ 93,000
Virginia Beach, Virginia 33 $ 7,755,000 $ 235,000 $ 45,000
Kitsap, Washington 33 $ 8,115,000 $ 245,909 $ 90,000
Raleigh, West Virginia 33 $ 3,891,000 $ 117,909 $ 61,000
Park, Colorado 32 $ 6,716,000 $ 209,875 $ 96,000
Lee, Florida 32 $ 5,193,000 $ 162,281 $ 103,000
Essex, New Jersey 32 $ 8,379,000 $ 261,843 $ 91,000
Union, New Jersey 32 $ 8,835,000 $ 276,093 $ 74,000
Sarasota, Florida 31 $ 6,206,000 $ 200,193 $ 88,000
Maui, Hawaii 31 $ 12,618,000 $ 407,032 $ 97,000
Nye, Nevada 31 $ 4,142,000 $ 133,612 $ 79,000
Smyth, Virginia 31 $ 4,247,000 $ 137,000 $ 58,000
Lake, Florida 30 $ 4,760,000 $ 158,666 $ 75,000
Camden, New Jersey 30 $ 6,473,000 $ 215,766 $ 73,000
Hudson, New Jersey 30 $ 9,060,000 $ 302,000 $ 116,000
Ocean, New Jersey 30 $ 7,229,000 $ 240,966 $ 114,000
Dauphin, Pennsylvania 30 $ 4,108,000 $ 136,933 $ 43,000
Mesa, Colorado 29 $ 6,854,000 $ 236,344 $ 124,000
Palm Beach, Florida 29 $ 6,838,000 $ 235,793 $ 90,000
Polk, Florida 29 $ 3,200,000 $ 110,344 $ 52,000
Allen, Indiana 29 $ 4,684,000 $ 161,517 $ 31,000
Flathead, Montana 29 $ 6,148,000 $ 212,000 $ 97,000
Pennington, South Dakota 29 $ 4,805,000 $ 165,689 $ 48,000
Galveston, Texas 29 $ 6,083,000 $ 209,758 $ 113,000
Elbert, Colorado 28 $ 8,258,000 $ 294,928 $ 79,000
Teller, Colorado 28 $ 6,770,000 $ 241,785 $ 72,000
Greene, Missouri 28 $ 3,526,000 $ 125,928 $ 44,000
Merrimack, New Hampshire 28 $ 4,968,000 $ 177,428 $ 66,000
York, Pennsylvania 28 $ 5,062,000 $ 180,785 $ 61,000
Newport, Rhode Island 28 $ 7,429,000 $ 265,321 $ 109,000
Sherburne, Minnesota 27 $ 4,283,000 $ 158,629 $ 59,000
Yellowstone, Montana 27 $ 5,312,000 $ 196,740 $ 67,000
Warren, Ohio 27 $ 5,804,000 $ 214,962 $ 116,000
Benton, Oregon 27 $ 5,980,000 $ 221,481 $ 78,000
St. Clair, Alabama 26 $ 4,132,000 $ 158,923 $ 8,000
New London, Connecticut 26 $ 5,611,000 $ 215,807 $ 65,000
Osceola, Florida 26 $ 4,819,000 $ 185,346 $ 56,000
Blaine, Idaho 26 $ 5,178,000 $ 199,153 $ 76,000
Cape May, New Jersey 26 $ 6,416,000 $ 246,769 $ 119,000
Berks, Pennsylvania 25 $ 4,735,000 $ 189,400 $ 54,000
Shelby, Tennessee 25 $ 4,306,000 $ 172,240 $ 62,000
Lynchburg, Virginia 25 $ 3,347,000 $ 133,880 $ 80,000
Shasta, California 24 $ 5,163,000 $ 215,125 $ 70,000
Teton, Idaho 24 $ 3,824,000 $ 159,333 $ 94,000
McLeod, Minnesota 24 $ 2,896,000 $ 120,666 $ 36,000
Mercer, New Jersey 24 $ 5,550,000 $ 231,250 $ 107,000
Franklin, Ohio 24 $ 4,268,000 $ 177,833 $ 61,000
Clinton, Pennsylvania 24 $ 3,235,000 $ 134,791 $ 63,000
Lycoming, Pennsylvania 24 $ 3,314,000 $ 138,083 $ 70,000
Campbell, Virginia 24 $ 3,970,000 $ 165,416 $ 55,000
Grant, Washington 24 $ 3,990,000 $ 166,250 $ 86,000
Bonner, Idaho 23 $ 4,500,000 $ 195,652 $ 70,000
Hendricks, Indiana 23 $ 4,154,000 $ 180,608 $ 43,000
Clearfield, Pennsylvania 23 $ 2,734,000 $ 118,869 $ 61,000
Florence, South Carolina 23 $ 3,609,000 $ 156,913 $ 67,000
Iron, Utah 23 $ 3,371,000 $ 146,565 $ 36,000
Rich, Utah 23 $ 4,322,000 $ 187,913 $ 135,000
Bedford, Virginia 23 $ 3,733,000 $ 162,304 $ 69,000
Thurston, Washington 23 $ 5,369,000 $ 233,434 $ 56,000
Grand, Colorado 22 $ 5,085,000 $ 231,136 $ 127,000
Jefferson, Idaho 22 $ 4,010,000 $ 182,272 $ 53,000
Jefferson, Louisiana 22 $ 3,456,000 $ 157,090 $ 19,000
Chisago, Minnesota 22 $ 3,518,000 $ 159,909 $ 61,000
Davidson, Tennessee 22 $ 3,752,000 $ 170,545 $ 65,000
Nueces, Texas 22 $ 3,151,000 $ 143,227 $ 19,000
Washington, Virginia 22 $ 3,023,000 $ 137,409 $ 67,000
Litchfield, Connecticut 21 $ 4,402,000 $ 209,619 $ 93,000
Winnebago, Illinois 21 $ 2,547,000 $ 121,285 $ 44,000
Orleans, Louisiana 21 $ 4,445,000 $ 211,666 $ 3,000
Gloucester, New Jersey 21 $ 3,879,000 $ 184,714 $ 56,000
Millard, Utah 21 $ 2,805,000 $ 133,571 $ 47,000
Richmond City, Virginia 21 $ 4,248,000 $ 202,285 $ 117,000
Amador, California 20 $ 3,638,000 $ 181,900 $ 66,000
Cherokee, Georgia 20 $ 4,336,000 $ 216,800 $ 72,000
Washtenaw, Michigan 20 $ 4,129,000 $ 206,450 $ 106,000
Jefferson, Missouri 20 $ 3,051,000 $ 152,550 $ 43,000
Atlantic, New Jersey 20 $ 5,820,000 $ 291,000 $ 158,000
Lexington, South Carolina 20 $ 3,522,000 $ 176,100 $ 77,000
Sevier, Tennessee 20 $ 3,130,000 $ 156,500 $ 91,000
Kane, Utah 20 $ 3,054,000 $ 152,700 $ 68,000
Hanover, Virginia 20 $ 4,770,000 $ 238,500 $ 121,000
Stevens, Washington 20 $ 2,953,000 $ 147,650 $ 58,000
Gunnison, Colorado 19 $ 4,877,000 $ 256,684 $ 55,000
Hawaii, Hawaii 19 $ 6,391,000 $ 336,368 $ 74,000
Walla Walla, Washington 19 $ 3,477,000 $ 183,000 $ 93,000
Kings, California 18 $ 3,894,000 $ 216,333 $ 62,000
Bingham, Idaho 18 $ 2,700,000 $ 150,000 $ 51,000
Genesee, Michigan 18 $ 2,358,000 $ 131,000 $ 55,000
Livingston, Michigan 18 $ 3,340,000 $ 185,555 $ 98,000
Charleston, South Carolina 18 $ 3,896,000 $ 216,444 $ 115,000
Minnehaha, South Dakota 18 $ 1,980,000 $ 110,000 $ 52,000
El Paso, Texas 18 $ 1,913,000 $ 106,277 $ 62,000
Parker, Texas 18 $ 4,145,000 $ 230,277 $ 78,000
Sanpete, Utah 18 $ 2,906,000 $ 161,444 $ 57,000
Chesapeake, Virginia 18 $ 3,944,000 $ 219,111 $ 12,000
Cowlitz, Washington 18 $ 3,514,000 $ 195,222 $ 47,000
Randolph, West Virginia 18 $ 2,268,000 $ 126,000 $ 48,000
Humboldt, California 17 $ 4,063,000 $ 239,000 $ 88,000
Eagle, Colorado 17 $ 4,797,000 $ 282,176 $ 107,000
Hernando, Florida 17 $ 2,263,000 $ 133,117 $ 50,000
Oldham, Kentucky 17 $ 4,007,000 $ 235,705 $ 107,000
St. Tammany, Louisiana 17 $ 3,454,000 $ 203,176 $ 1,000
Clay, Missouri 17 $ 2,499,000 $ 147,000 $ 61,000
Richland, South Carolina 17 $ 3,821,000 $ 224,764 $ 45,000
Cecil, Maryland 16 $ 3,148,000 $ 196,750 $ 64,000
Olmsted, Minnesota 16 $ 2,958,000 $ 184,875 $ 130,000
Manassas, Virginia 16 $ 3,005,000 $ 187,812 $ 151,000
Island, Washington 16 $ 3,728,000 $ 233,000 $ 92,000
Brevard, Florida 15 $ 2,463,000 $ 164,200 $ 76,000
Livingston, Louisiana 15 $ 2,114,000 $ 140,933 $ 16,000
Charles, Maryland 15 $ 3,428,000 $ 228,533 $ 43,000
Jackson, Missouri 15 $ 2,298,000 $ 153,200 $ 21,000
Los Alamos, New Mexico 15 $ 3,774,000 $ 251,600 $ 67,000
Mecklenburg, North Carolina 15 $ 3,052,000 $ 203,466 $ 23,000
Beaver, Pennsylvania 15 $ 2,150,000 $ 143,333 $ 67,000
York, South Carolina 15 $ 3,892,000 $ 259,466 $ 53,000
Loudon, Tennessee 15 $ 3,083,000 $ 205,533 $ 74,000
Hays, Texas 15 $ 2,799,000 $ 186,600 $ 56,000
Prince George, Virginia 15 $ 3,683,000 $ 245,533 $ 78,000
Fayette, Kentucky 14 $ 2,728,000 $ 194,857 $ 77,000
Washington, Maryland 14 $ 2,119,000 $ 151,357 $ 41,000
Chaves, New Mexico 14 $ 2,585,000 $ 184,642 $ 64,000
Josephine, Oregon 14 $ 2,165,000 $ 154,642 $ 65,000
Lincoln, Oregon 14 $ 2,831,000 $ 202,214 $ 89,000
Clear Creek, Colorado 13 $ 3,821,000 $ 293,923 $ 92,000
Kent, Delaware 13 $ 1,823,000 $ 140,230 $ 43,000
Flagler, Florida 13 $ 1,785,000 $ 137,307 $ 50,000
Volusia, Florida 13 $ 1,930,000 $ 148,461 $ 53,000
Johnson, Indiana 13 $ 2,687,000 $ 206,692 $ 62,000
Polk, Iowa 13 $ 1,539,000 $ 118,384 $ 47,000
Ascension, Louisiana 13 $ 2,849,000 $ 219,153 $ 18,000
Calvert, Maryland 13 $ 3,735,000 $ 287,307 $ 84,000
Lancaster, Nebraska 13 $ 2,120,000 $ 163,076 $ 86,000
Williams, North Dakota 13 $ 2,343,000 $ 180,230 $ 116,000
Adams, Pennsylvania 13 $ 2,796,000 $ 215,076 $ 60,000
Carbon, Pennsylvania 13 $ 2,192,000 $ 168,615 $ 57,000
Greenville, South Carolina 13 $ 2,354,000 $ 181,076 $ 35,000
Spartanburg, South Carolina 13 $ 1,691,000 $ 130,076 $ 21,000
Duchesne, Utah 13 $ 2,341,000 $ 180,076 $ 93,000
Sevier, Utah 13 $ 2,358,000 $ 181,384 $ 86,000
Seminole, Florida 12 $ 2,249,000 $ 187,416 $ 54,000
St. Johns, Florida 12 $ 2,166,000 $ 180,500 $ 67,000
Chatham, Georgia 12 $ 2,108,000 $ 175,666 $ 57,000
Jackson, Georgia 12 $ 2,000,000 $ 166,666 $ 86,000
Johnson, Kansas 12 $ 2,672,000 $ 222,666 $ 34,000
Boone, Kentucky 12 $ 2,145,000 $ 178,750 $ 66,000
Douglas, Minnesota 12 $ 2,469,000 $ 205,750 $ 98,000
Morrison, Minnesota 12 $ 1,951,000 $ 162,583 $ 64,000
St. Louis, Minnesota 12 $ 2,217,000 $ 184,750 $ 62,000
Lake, Montana 12 $ 2,730,000 $ 227,500 $ 130,000
Carroll, New Hampshire 12 $ 2,207,000 $ 183,916 $ 73,000
Strafford, New Hampshire 12 $ 2,599,000 $ 216,583 $ 75,000
Clatsop, Oregon 12 $ 2,910,000 $ 242,500 $ 81,000
Hood River, Oregon 12 $ 2,731,000 $ 227,583 $ 53,000
Tillamook, Oregon 12 $ 2,669,000 $ 222,416 $ 103,000
San Patricio, Texas 12 $ 1,560,000 $ 130,000 $ 4,000
Chittenden, Vermont 12 $ 2,188,000 $ 182,333 $ 56,000
Yakima, Washington 12 $ 2,798,000 $ 233,166 $ 73,000
Uinta, Wyoming 12 $ 2,248,000 $ 187,333 $ 64,000
Windham, Connecticut 11 $ 1,950,000 $ 177,272 $ 84,000
Charlotte, Florida 11 $ 1,733,000 $ 157,545 $ 28,000
Collier, Florida 11 $ 1,713,000 $ 155,727 $ 59,000
St. Lucie, Florida 11 $ 1,250,000 $ 113,636 $ 22,000
Bear Lake, Idaho 11 $ 1,774,000 $ 161,272 $ 188,000
Androscoggin, Maine 11 $ 1,880,000 $ 170,909 $ 108,000
Hampden, Massachusetts 11 $ 2,047,000 $ 186,090 $ 45,000
Washoe, Nevada 11 $ 2,425,000 $ 220,454 $ 50,000
Northumberland, Pennsylvania 11 $ 1,577,000 $ 143,363 $ 53,000
Sumner, Tennessee 11 $ 2,959,000 $ 269,000 $ 99,000
Ellis, Texas 11 $ 2,223,000 $ 202,090 $ 91,000
Guadalupe, Texas 11 $ 2,193,000 $ 199,363 $ 38,000
Emery, Utah 11 $ 1,412,000 $ 128,363 $ 45,000
Norfolk, Virginia 11 $ 2,386,000 $ 216,909 $ 17,000
Chelan, Washington 11 $ 3,361,000 $ 305,545 $ 114,000
Yuba, California 10 $ 1,910,000 $ 191,000 $ 94,000
Chaffee, Colorado 10 $ 2,305,000 $ 230,500 $ 31,000
Garfield, Colorado 10 $ 3,081,000 $ 308,100 $ 104,000
Routt, Colorado 10 $ 2,941,000 $ 294,100 $ 65,000
Catoosa, Georgia 10 $ 1,124,000 $ 112,400 $ 51,000
Gem, Idaho 10 $ 1,514,000 $ 151,400 $ 59,000
Madison, Idaho 10 $ 1,586,000 $ 158,600 $ 49,000
St. Clair, Illinois 10 $ 1,408,000 $ 140,800 $ 15,000
Bullitt, Kentucky 10 $ 1,563,000 $ 156,300 $ 52,000
Iberville, Louisiana 10 $ 2,105,000 $ 210,500 $ 6,000
Mille Lacs, Minnesota 10 $ 1,302,000 $ 130,200 $ 91,000
Sussex, New Jersey 10 $ 2,426,000 $ 242,600 $ 46,000
Rio Arriba, New Mexico 10 $ 1,561,000 $ 156,100 $ 103,000
New Hanover, North Carolina 10 $ 1,535,000 $ 153,500 $ 66,000
Clermont, Ohio 10 $ 1,476,000 $ 147,600 $ 77,000
Lawrence, Ohio 10 $ 1,421,000 $ 142,100 $ 55,000
Rutherford, Tennessee 10 $ 1,777,000 $ 177,700 $ 15,000
Lubbock, Texas 10 $ 1,273,000 $ 127,300 $ 25,000
Midland, Texas 10 $ 1,941,000 $ 194,100 $ 28,000
Roanoke, Virginia 10 $ 1,952,000 $ 195,200 $ 62,000
Benton, Washington 10 $ 1,861,000 $ 186,100 $ 45,000
Putnam, West Virginia 10 $ 1,872,000 $ 187,200 $ 70,000
Park, Wyoming 10 $ 1,947,000 $ 194,700 $ 55,000
Benton, Arkansas 9 $ 1,616,000 $ 179,555 $ 99,000
Clark, Arkansas 9 $ 1,071,000 $ 119,000 $ 54,000
Mono, California 9 $ 2,214,000 $ 246,000 $ 161,000
Morgan, Colorado 9 $ 836,000 $ 92,888 $ 52,000
Middlesex, Connecticut 9 $ 2,325,000 $ 258,333 $ 32,000
Habersham, Georgia 9 $ 615,000 $ 68,333 $ 200,000
Valley, Idaho 9 $ 1,570,000 $ 174,444 $ 135,000
Crow Wing, Minnesota 9 $ 1,845,000 $ 205,000 $ 82,000
Christian, Missouri 9 $ 1,139,000 $ 126,555 $ 52,000
St. Charles, Missouri 9 $ 1,756,000 $ 195,111 $ 40,000
Cumberland, New Jersey 9 $ 1,509,000 $ 167,666 $ 6,000
Summit, Ohio 9 $ 1,584,000 $ 176,000 $ 56,000
Coos, Oregon 9 $ 1,557,000 $ 173,000 $ 61,000
Horry, South Carolina 9 $ 1,476,000 $ 164,000 $ 65,000
Blount, Tennessee 9 $ 1,730,000 $ 192,222 $ 59,000
Hamblen, Tennessee 9 $ 1,160,000 $ 128,888 $ 50,000
Johnson, Texas 9 $ 2,335,000 $ 259,444 $ 115,000
Albemarle, Virginia 9 $ 1,999,000 $ 222,111 $ 75,000
Culpeper, Virginia 9 $ 1,951,000 $ 216,777 $ 56,000
Fauquier, Virginia 9 $ 2,285,000 $ 253,888 $ 88,000
Hopewell, Virginia 9 $ 1,369,000 $ 152,111 $ 45,000
Newport News, Virginia 9 $ 1,615,000 $ 179,444 $ 51,000
Columbia, Washington 9 $ 1,469,000 $ 163,222 $ 97,000
Skagit, Washington 9 $ 1,496,000 $ 166,222 $ 50,000
Mobile, Alabama 8 $ 1,086,000 $ 135,750 $ 10,000
Pulaski, Arkansas 8 $ 1,393,000 $ 174,125 $ 53,000
Siskiyou, California 8 $ 1,206,000 $ 150,750 $ 137,000
Las Animas, Colorado 8 $ 1,314,000 $ 164,250 $ 29,000
Pitkin, Colorado 8 $ 2,580,000 $ 322,500 $ 83,000
Marion, Florida 8 $ 827,000 $ 103,375 $ 43,000
Santa Rosa, Florida 8 $ 1,898,000 $ 237,250 $ 72,000
Clarke, Georgia 8 $ 2,203,000 $ 275,375 $ 64,000
Hall, Georgia 8 $ 815,000 $ 101,875 $ 37,000
Payette, Idaho 8 $ 965,000 $ 120,625 $ 48,000
Tippecanoe, Indiana 8 $ 1,183,000 $ 147,875 $ 38,000
Kenton, Kentucky 8 $ 866,000 $ 108,250 $ 49,000
Jefferson Davis, Louisiana 8 $ 844,000 $ 105,500 $ 11,000
Benton, Minnesota 8 $ 1,029,000 $ 128,625 $ 68,000
Kandiyohi, Minnesota 8 $ 1,217,000 $ 152,125 $ 55,000
Renville, Minnesota 8 $ 1,074,000 $ 134,250 $ 50,000
Rice, Minnesota 8 $ 1,423,000 $ 177,875 $ 49,000
St. Louis City, Missouri 8 $ 1,457,000 $ 182,125 $ 61,000
Hunterdon, New Jersey 8 $ 2,738,000 $ 342,250 $ 313,000
Warren, New Jersey 8 $ 1,698,000 $ 212,250 $ 53,000
Durham, North Carolina 8 $ 1,470,000 $ 183,750 $ 49,000
Montgomery, Ohio 8 $ 1,107,000 $ 138,375 $ 55,000
Cambria, Pennsylvania 8 $ 1,021,000 $ 127,625 $ 69,000
Huntingdon, Pennsylvania 8 $ 1,425,000 $ 178,125 $ 72,000
Lincoln, South Dakota 8 $ 1,405,000 $ 175,625 $ 54,000
Bradley, Tennessee 8 $ 1,231,000 $ 153,875 $ 50,000
Williamson, Tennessee 8 $ 2,073,000 $ 259,125 $ 52,000
Juab, Utah 8 $ 1,275,000 $ 159,375 $ 64,000
Fairfax City, Virginia 8 $ 3,048,000 $ 381,000 $ 89,000
Lincoln, Washington 8 $ 904,000 $ 113,000 $ 50,000
Polk, Wisconsin 8 $ 1,572,000 $ 196,500 $ 71,000
Teton, Wyoming 8 $ 2,498,000 $ 312,250 $ 42,000
Baldwin, Alabama 7 $ 1,338,000 $ 191,142 $ 208,000
Cullman, Alabama 7 $ 1,119,000 $ 159,857 $ 0
Madison, Alabama 7 $ 825,000 $ 117,857 $ 68,000
Cochise, Arizona 7 $ 1,207,000 $ 172,428 $ 27,000
Gila, Arizona 7 $ 1,720,000 $ 245,714 $ 101,000
Mariposa, California 7 $ 1,144,000 $ 163,428 $ 52,000
Plumas, California 7 $ 1,859,000 $ 265,571 $ 192,000
Duval, Florida 7 $ 1,359,000 $ 194,142 $ 75,000
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Mortgage Loan Application Detail Totals for Stearns Lending, LLC in 2013

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 39,048 $10,301,265,000 $263,000 $1,989,000 $92,000 $9,489,000
Home Purchase 29,797 $7,273,094,000 $244,000 $2,000,000 $81,000 $3,152,000
Home Improvement 1 $170,000 $170,000 $170,000 $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 40,812 $10,246,886,000 $251,000 $2,000,000 $97,000 $9,489,000
Asian 7,934 $2,392,506,000 $301,000 $2,000,000 $107,000 $1,111,000
Hispanic 7,012 $1,614,863,000 $230,000 $1,558,000 $67,000 $1,261,000
Not Provided 5,650 $1,583,820,000 $280,000 $1,850,000 $107,000 $3,740,000
Not applicable 5,610 $1,288,341,000 $229,000 $960,000 $0 $0
Black or African American 1,359 $313,517,000 $230,000 $1,275,000 $79,000 $715,000
Native Hawaiian or Other Pacific Islander 302 $91,854,000 $304,000 $1,000,000 $92,000 $1,057,000
American Indian or Alaskan Native 167 $42,742,000 $255,000 $1,636,000 $97,000 $1,200,000

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) 52,717 $13,893,467,000 $263,000 $2,000,000 $98,000 $9,489,000
FHA-insured (Federal Housing Administration) 11,282 $2,524,342,000 $223,000 $965,000 $53,000 $700,000
VA-guaranteed (Veterans Administration) 3,144 $867,470,000 $275,000 $1,000,000 $61,000 $568,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,703 $289,250,000 $169,000 $529,000 $46,000 $141,000

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 46,449 $11,829,051,000 $254,000 $1,930,000 $96,000 $9,489,000
Application Approved But Not Accepted 8,488 $2,299,854,000 $270,000 $2,000,000 $101,000 $3,152,000
Loan Purchased By The Institution 5,610 $1,288,341,000 $229,000 $960,000 $0 $0
Application Denied By Financial Institution 3,326 $910,967,000 $273,000 $1,850,000 $89,000 $5,000,000
Application Withdrawn By Applicant 2,790 $684,016,000 $245,000 $1,800,000 $92,000 $2,078,000
File Closed For Incompleteness 2,183 $562,300,000 $257,000 $1,989,000 $78,000 $968,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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
Debt-To-Income Ratio 1,125 $328,204,000 $291,000 $1,850,000 $62,000 $586,000
Collateral 672 $176,182,000 $262,000 $1,558,000 $115,000 $2,739,000
Credit History 623 $168,069,000 $269,000 $1,463,000 $96,000 $5,000,000
Other 506 $132,838,000 $262,000 $1,505,000 $105,000 $1,348,000
Unverifiable Information 177 $49,897,000 $281,000 $1,465,000 $115,000 $799,000
Employment History 103 $25,195,000 $244,000 $1,085,000 $63,000 $540,000
Insufficient Cash (Downpayment, Closing Cost) 59 $15,562,000 $263,000 $916,000 $89,000 $384,000
Credit Application Incomplete 49 $12,557,000 $256,000 $1,294,000 $101,000 $365,000
Mortgage Insurance Denied 12 $2,463,000 $205,000 $395,000 $83,000 $202,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Stearns Lending, LLC's 2013 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 Stearns Lending, LLC'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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