Zions Bancorporation, N.A. 2013 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 | Zions Bancorporation, N.A. One South Main Street 16Th Floor Salt Lake City, UT 84133 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 | 6,165 |
| Total Mortgage Loan Application Amount | $1,309,403,000 |
| Average Mortgage Loan Application Amount | $180,666 |
| Highest Mortgage Loan Application Amount | $15,400,000 |
| Average Applicant Income | $118,333 |
| Highest Applicant Income | $7,372,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 with Zions Bancorporation, 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 Zions Bancorporation, N.A.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2013 breaks down Zions Bancorporation, 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 Zions Bancorporation, N.A. serves its applicants.
Each category highlights the total number of mortgage applications processed by Zions Bancorporation, 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 Zions Bancorporation, N.A.'s mortgage activity for 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Salt Lake County Utah | 1,076 | $ 258,783,000 | $ 240,000 | $ 131,000 |
| Washington County Utah | 514 | $ 116,240,000 | $ 226,000 | $ 153,000 |
| Utah County Utah | 437 | $ 103,807,000 | $ 237,000 | $ 136,000 |
| Davis County Utah | 309 | $ 76,485,000 | $ 247,000 | $ 146,000 |
| Cache County Utah | 256 | $ 41,310,000 | $ 161,000 | $ 80,000 |
| Ada County Idaho | 191 | $ 39,870,000 | $ 208,000 | $ 119,000 |
| Summit County Utah | 156 | $ 69,368,000 | $ 444,000 | $ 298,000 |
| Clark County Nevada | 136 | $ 23,153,000 | $ 170,000 | $ 105,000 |
| Sevier County Utah | 132 | $ 15,116,000 | $ 114,000 | $ 71,000 |
| Millard County Utah | 130 | $ 12,267,000 | $ 94,000 | $ 69,000 |
| Weber County Utah | 128 | $ 30,581,000 | $ 238,000 | $ 115,000 |
| Uintah County Utah | 122 | $ 22,421,000 | $ 183,000 | $ 130,000 |
| Latah County Idaho | 117 | $ 21,573,000 | $ 184,000 | $ 83,000 |
| Bonneville County Idaho | 115 | $ 20,879,000 | $ 181,000 | $ 131,000 |
| Iron County Utah | 106 | $ 14,659,000 | $ 138,000 | $ 120,000 |
| Sanpete County Utah | 105 | $ 11,463,000 | $ 109,000 | $ 71,000 |
| Canyon County Idaho | 92 | $ 13,146,000 | $ 142,000 | $ 109,000 |
| Wasatch County Utah | 92 | $ 28,131,000 | $ 305,000 | $ 150,000 |
| Box Elder County Utah | 84 | $ 12,177,000 | $ 144,000 | $ 79,000 |
| Duchesne County Utah | 84 | $ 12,336,000 | $ 146,000 | $ 73,000 |
| Grand County Utah | 81 | $ 17,161,000 | $ 211,000 | $ 95,000 |
| Kane County Utah | 71 | $ 13,195,000 | $ 185,000 | $ 115,000 |
| Carbon County Utah | 69 | $ 8,272,000 | $ 119,000 | $ 88,000 |
| Bannock County Idaho | 65 | $ 8,564,000 | $ 131,000 | $ 91,000 |
| Jefferson County Idaho | 65 | $ 9,695,000 | $ 149,000 | $ 92,000 |
| Emery County Utah | 63 | $ 4,888,000 | $ 77,000 | $ 68,000 |
| Bear Lake County Idaho | 60 | $ 6,475,000 | $ 107,000 | $ 84,000 |
| Bingham County Idaho | 59 | $ 8,183,000 | $ 138,000 | $ 134,000 |
| Los Angeles County California | 56 | $ 20,369,000 | $ 363,000 | $ 240,000 |
| Blaine County Idaho | 54 | $ 19,082,000 | $ 353,000 | $ 178,000 |
| Maricopa County Arizona | 53 | $ 11,109,000 | $ 209,000 | $ 129,000 |
| San Juan County Utah | 50 | $ 6,119,000 | $ 122,000 | $ 83,000 |
| San Diego County California | 47 | $ 29,574,000 | $ 629,000 | $ 262,000 |
| Washington County Idaho | 46 | $ 4,525,000 | $ 98,000 | $ 54,000 |
| Payette County Idaho | 41 | $ 4,852,000 | $ 118,000 | $ 76,000 |
| Garfield County Utah | 40 | $ 4,537,000 | $ 113,000 | $ 86,000 |
| Nez Perce County Idaho | 39 | $ 6,282,000 | $ 161,000 | $ 87,000 |
| Franklin County Idaho | 36 | $ 5,203,000 | $ 144,000 | $ 95,000 |
| Whitman County Washington | 34 | $ 8,516,000 | $ 250,000 | $ 114,000 |
| Madison County Idaho | 33 | $ 5,652,000 | $ 171,000 | $ 78,000 |
| Tooele County Utah | 32 | $ 7,688,000 | $ 240,000 | $ 84,000 |
| Yavapai County Arizona | 31 | $ 5,413,000 | $ 174,000 | $ 89,000 |
| Rich County Utah | 31 | $ 6,925,000 | $ 223,000 | $ 142,000 |
| Twin Falls County Idaho | 30 | $ 4,155,000 | $ 138,000 | $ 89,000 |
| Malheur County Oregon | 27 | $ 3,900,000 | $ 144,000 | $ 82,000 |
| Cassia County Idaho | 23 | $ 2,550,000 | $ 110,000 | $ 68,000 |
| Gooding County Idaho | 23 | $ 1,868,000 | $ 81,000 | $ 73,000 |
| Fremont County Idaho | 22 | $ 5,910,000 | $ 268,000 | $ 210,000 |
| Orange County California | 19 | $ 7,709,000 | $ 405,000 | $ 216,000 |
| Washoe County Nevada | 19 | $ 3,496,000 | $ 184,000 | $ 45,000 |
| Morgan County Utah | 19 | $ 5,176,000 | $ 272,000 | $ 181,000 |
| Minidoka County Idaho | 18 | $ 1,754,000 | $ 97,000 | $ 106,000 |
| Wayne County Utah | 18 | $ 2,521,000 | $ 140,000 | $ 95,000 |
| Riverside County California | 17 | $ 4,713,000 | $ 277,000 | $ 222,000 |
| Pima County Arizona | 16 | $ 3,683,000 | $ 230,000 | $ 126,000 |
| Beaver County Utah | 15 | $ 1,108,000 | $ 73,000 | $ 48,000 |
| Coconino County Arizona | 14 | $ 2,450,000 | $ 175,000 | $ 202,000 |
| San Bernardino County California | 14 | $ 1,986,000 | $ 141,000 | $ 111,000 |
| Pinal County Arizona | 13 | $ 1,576,000 | $ 121,000 | $ 210,000 |
| Caribou County Idaho | 13 | $ 1,497,000 | $ 115,000 | $ 121,000 |
| Lincoln County Wyoming | 12 | $ 1,373,000 | $ 114,000 | $ 151,000 |
| Navajo County Arizona | 10 | $ 1,942,000 | $ 194,000 | $ 94,000 |
| Elko County Nevada | 10 | $ 1,886,000 | $ 188,000 | $ 45,000 |
| Juab County Utah | 10 | $ 1,357,000 | $ 135,000 | $ 101,000 |
| Mohave County Arizona | 9 | $ 1,121,000 | $ 124,000 | $ 66,000 |
| Yuma County Arizona | 9 | $ 1,880,000 | $ 208,000 | $ 94,000 |
| Ventura County California | 9 | $ 3,491,000 | $ 387,000 | $ 140,000 |
| Fresno County California | 8 | $ 2,143,000 | $ 267,000 | $ 211,000 |
| San Mateo County California | 8 | $ 3,334,000 | $ 416,000 | $ 191,000 |
| Piute County Utah | 8 | $ 942,000 | $ 117,000 | $ 68,000 |
| Alameda County California | 7 | $ 2,989,000 | $ 427,000 | $ 276,000 |
| Owyhee County Idaho | 7 | $ 1,261,000 | $ 180,000 | $ 92,000 |
| Power County Idaho | 7 | $ 1,130,000 | $ 161,000 | $ 161,000 |
| Valley County Idaho | 7 | $ 1,583,000 | $ 226,000 | $ 208,000 |
| Asotin County Washington | 7 | $ 836,000 | $ 119,000 | $ 58,000 |
| Contra Costa County California | 6 | $ 1,952,000 | $ 325,000 | $ 113,000 |
| Elmore County Idaho | 5 | $ 532,000 | $ 106,000 | $ 60,000 |
| Gem County Idaho | 5 | $ 1,109,000 | $ 221,000 | $ 101,000 |
| Jerome County Idaho | 5 | $ 448,000 | $ 89,000 | $ 53,000 |
| Lewis County Idaho | 5 | $ 191,000 | $ 38,000 | $ 35,000 |
| Oneida County Idaho | 5 | $ 640,000 | $ 128,000 | $ 91,000 |
| Nye County Nevada | 5 | $ 725,000 | $ 145,000 | $ 56,000 |
| Marin County California | 4 | $ 1,399,000 | $ 349,000 | $ 277,000 |
| Santa Clara County California | 4 | $ 1,571,000 | $ 392,000 | $ 186,000 |
| Denver County Colorado | 4 | $ 923,000 | $ 230,000 | $ 114,000 |
| Kootenai County Idaho | 4 | $ 863,000 | $ 215,000 | $ 115,000 |
| Sacramento County California | 3 | $ 637,000 | $ 212,000 | $ 184,000 |
| Sonoma County California | 3 | $ 696,000 | $ 232,000 | $ 65,000 |
| Adams County Colorado | 3 | $ 940,000 | $ 313,000 | $ 103,000 |
| Garfield County Colorado | 3 | $ 797,000 | $ 265,000 | $ 97,000 |
| Boise County Idaho | 3 | $ 317,000 | $ 105,000 | $ 112,000 |
| Butte County Idaho | 3 | $ 365,000 | $ 121,000 | $ 106,000 |
| Lemhi County Idaho | 3 | $ 382,000 | $ 127,000 | $ 480,000 |
| Lincoln County Idaho | 3 | $ 251,000 | $ 83,000 | $ 58,000 |
| Teton County Idaho | 3 | $ 479,000 | $ 159,000 | $ 74,000 |
| Lincoln County Nevada | 3 | $ 469,000 | $ 156,000 | $ 112,000 |
| Daggett County Utah | 3 | $ 277,000 | $ 92,000 | $ 61,000 |
| Teton County Wyoming | 3 | $ 12,843,000 | $ 4,281,000 | $ 1,136,000 |
| Apache County Arizona | 2 | $ 135,000 | $ 67,000 | $ 28,000 |
| Cochise County Arizona | 2 | $ 412,000 | $ 206,000 | $ 83,000 |
| Gila County Arizona | 2 | $ 324,000 | $ 162,000 | $ 53,000 |
| La Paz County Arizona | 2 | $ 593,000 | $ 296,000 | $ 452,000 |
| Kern County California | 2 | $ 189,000 | $ 94,000 | $ 121,000 |
| Kings County California | 2 | $ 587,000 | $ 293,000 | $ 872,000 |
| San Francisco County California | 2 | $ 831,000 | $ 415,000 | $ 539,000 |
| Arapahoe County Colorado | 2 | $ 375,000 | $ 187,000 | $ 69,000 |
| Eagle County Colorado | 2 | $ 449,000 | $ 224,000 | $ 58,000 |
| La Plata County Colorado | 2 | $ 355,000 | $ 177,000 | $ 148,000 |
| Mesa County Colorado | 2 | $ 332,000 | $ 166,000 | $ 85,000 |
| Sedgwick County Colorado | 2 | $ 124,000 | $ 62,000 | $ 30,000 |
| Custer County Idaho | 2 | $ 350,000 | $ 175,000 | $ 90,000 |
| Idaho County Idaho | 2 | $ 414,000 | $ 207,000 | $ 72,000 |
| Humboldt County Nevada | 2 | $ 318,000 | $ 159,000 | $ 46,000 |
| Lyon County Nevada | 2 | $ 389,000 | $ 194,000 | $ 58,000 |
| Billings County North Dakota | 2 | $ 330,000 | $ 165,000 | $ 124,000 |
| Grant County Oregon | 2 | $ 298,000 | $ 149,000 | $ 93,000 |
| Pierce County Washington | 2 | $ 169,000 | $ 84,000 | $ 66,000 |
| Sweetwater County Wyoming | 2 | $ 463,000 | $ 231,000 | $ 83,000 |
| Uinta County Wyoming | 2 | $ 245,000 | $ 122,000 | $ 118,000 |
| Graham County Arizona | 1 | $ 167,000 | $ 167,000 | $ 54,000 |
| Alpine County California | 1 | $ 319,000 | $ 319,000 | $ 69,000 |
| Imperial County California | 1 | $ 109,000 | $ 109,000 | $ 39,000 |
| Monterey County California | 1 | $ 250,000 | $ 250,000 | $ 256,000 |
| Placer County California | 1 | $ 230,000 | $ 230,000 | $ 33,000 |
| San Luis Obispo County California | 1 | $ 561,000 | $ 561,000 | $ 505,000 |
| Solano County California | 1 | $ 362,000 | $ 362,000 | $ 178,000 |
| Tuolumne County California | 1 | $ 8,000 | $ 8,000 | $ 132,000 |
| Archuleta County Colorado | 1 | $ 133,000 | $ 133,000 | $ 52,000 |
| Boulder County Colorado | 1 | $ 223,000 | $ 223,000 | $ 224,000 |
| El Paso County Colorado | 1 | $ 333,000 | $ 333,000 | $ 170,000 |
| Fremont County Colorado | 1 | $ 157,000 | $ 157,000 | $ 170,000 |
| Grand County Colorado | 1 | $ 178,000 | $ 178,000 | $ 135,000 |
| Jefferson County Colorado | 1 | $ 180,000 | $ 180,000 | $ 61,000 |
| Larimer County Colorado | 1 | $ 163,000 | $ 163,000 | $ 100,000 |
| Montezuma County Colorado | 1 | $ 40,000 | $ 40,000 | $ 76,000 |
| Routt County Colorado | 1 | $ 350,000 | $ 350,000 | $ 50,000 |
| San Miguel County Colorado | 1 | $ 623,000 | $ 623,000 | $ 207,000 |
| Cobb County Georgia | 1 | $ 2,000 | $ 2,000 | $ 33,000 |
| Henry County Georgia | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Honolulu County Hawaii | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Maui County Hawaii | 1 | $ 340,000 | $ 340,000 | $ 444,000 |
| Adams County Idaho | 1 | $ 123,000 | $ 123,000 | $ 93,000 |
| Benewah County Idaho | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Camas County Idaho | 1 | $ 96,000 | $ 96,000 | $ 62,000 |
| Clark County Idaho | 1 | $ 105,000 | $ 105,000 | $ 169,000 |
| Oakland County Michigan | 1 | $ 15,000 | $ 15,000 | $ 454,000 |
| Hinds County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 10,000 |
| Tate County Mississippi | 1 | $ 20,000 | $ 20,000 | $ 30,000 |
| Carson City County Nevada | 1 | $ 156,000 | $ 156,000 | $ 0 |
| Douglas County Nevada | 1 | $ 279,000 | $ 279,000 | $ 86,000 |
| San Juan County New Mexico | 1 | $ 4,000 | $ 4,000 | $ 46,000 |
| Pitt County North Carolina | 1 | $ 1,000 | $ 1,000 | $ 12,000 |
| McKenzie County North Dakota | 1 | $ 11,000,000 | $ 11,000,000 | $ 0 |
| Williams County North Dakota | 1 | $ 88,000 | $ 88,000 | $ 117,000 |
| Jefferson County Ohio | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Garfield County Oklahoma | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Baker County Oregon | 1 | $ 53,000 | $ 53,000 | $ 46,000 |
| Lane County Oregon | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Union County Oregon | 1 | $ 127,000 | $ 127,000 | $ 42,000 |
| Davidson County Tennessee | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Lubbock County Texas | 1 | $ 5,700,000 | $ 5,700,000 | $ 0 |
| Smith County Texas | 1 | $ 10,000 | $ 10,000 | $ 54,000 |
| Columbia County Washington | 1 | $ 100,000 | $ 100,000 | $ 71,000 |
| Garfield County Washington | 1 | $ 68,000 | $ 68,000 | $ 61,000 |
| San Juan County Washington | 1 | $ 35,000 | $ 35,000 | $ 113,000 |
| Spokane County Washington | 1 | $ 40,000 | $ 40,000 | $ 78,000 |
| Thurston County Washington | 1 | $ 142,000 | $ 142,000 | $ 38,000 |
| Hot Springs County Wyoming | 1 | $ 266,000 | $ 266,000 | $ 88,000 |
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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,389 | $684,571,000 | $201,000 | $11,050,000 | $121,000 | $3,252,000 |
| Home Purchase | 2,256 | $581,022,000 | $257,000 | $15,400,000 | $136,000 | $7,372,000 |
| Home Improvement | 520 | $43,810,000 | $84,000 | $1,250,000 | $98,000 | $1,800,000 |
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 | 5,238 | $1,049,901,000 | $200,000 | $3,500,000 | $125,000 | $7,372,000 |
| Not Provided | 353 | $89,848,000 | $254,000 | $1,500,000 | $171,000 | $4,173,000 |
| Hispanic | 248 | $37,079,000 | $149,000 | $1,033,000 | $90,000 | $1,800,000 |
| Asian | 155 | $34,642,000 | $223,000 | $805,000 | $171,000 | $1,746,000 |
| Not applicable | 86 | $85,702,000 | $996,000 | $15,400,000 | $1,000 | $98,000 |
| American Indian or Alaskan Native | 42 | $5,560,000 | $132,000 | $326,000 | $69,000 | $446,000 |
| Native Hawaiian or Other Pacific Islander | 23 | $3,481,000 | $151,000 | $540,000 | $80,000 | $254,000 |
| Black or African American | 20 | $3,190,000 | $159,000 | $700,000 | $51,000 | $151,000 |
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) | 5,787 | $1,240,805,000 | $214,000 | $15,400,000 | $129,000 | $7,372,000 |
| FHA-insured (Federal Housing Administration) | 261 | $45,529,000 | $174,000 | $421,000 | $53,000 | $312,000 |
| VA-guaranteed (Veterans Administration) | 60 | $13,172,000 | $219,000 | $622,000 | $75,000 | $190,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $9,897,000 | $173,000 | $320,000 | $51,000 | $182,000 |
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 | 3,547 | $739,662,000 | $208,000 | $11,600,000 | $128,000 | $7,372,000 |
| Application Denied By Financial Institution | 1,245 | $237,215,000 | $190,000 | $11,000,000 | $99,000 | $2,496,000 |
| Application Approved But Not Accepted | 890 | $191,936,000 | $215,000 | $1,987,000 | $138,000 | $3,077,000 |
| Loan Purchased By The Institution | 469 | $111,402,000 | $237,000 | $967,000 | $140,000 | $2,535,000 |
| Application Withdrawn By Applicant | 12 | $28,354,000 | $2,362,000 | $15,400,000 | $156,000 | $1,013,000 |
| File Closed For Incompleteness | 2 | $834,000 | $417,000 | $417,000 | $90,000 | $180,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 558 | $77,297,000 | $138,000 | $2,400,000 | $91,000 | $2,078,000 |
| Collateral | 325 | $76,747,000 | $236,000 | $2,875,000 | $136,000 | $2,496,000 |
| Debt-To-Income Ratio | 264 | $52,566,000 | $199,000 | $1,676,000 | $60,000 | $404,000 |
| Other | 67 | $24,933,000 | $372,000 | $11,000,000 | $165,000 | $2,312,000 |
| Employment History | 13 | $2,722,000 | $209,000 | $465,000 | $53,000 | $120,000 |
| Unverifiable Information | 6 | $963,000 | $160,000 | $273,000 | $45,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $874,000 | $218,000 | $337,000 | $53,000 | $145,000 |
| Mortgage Insurance Denied | 1 | $298,000 | $298,000 | $298,000 | $70,000 | $70,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Zions Bancorporation, N.A.'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 Zions Bancorporation, 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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