Find mortgage statistics and lending data for the Adams County OH metro area.
With the lists below, you can explore the total number of mortgage applications and mortgage lending details for 2003-2022.
We provide overall totals and averages for each year, as well as numbers for the highest application amount and the highest applicant income.
If you live near Adams County OH, this may help give you an idea of what you might find when you begin your mortgage research.
Use the mortgage lender list and statistics below to gain valuable insights.
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 | 510 |
Total Mortgage Loan Application Amount | $45,823,000 |
Average Mortgage Loan Application Amount | $89,000 |
Highest Mortgage Loan Application Amount | $525,000 |
Average Applicant Income | $53,000 |
Highest Applicant Income | $751,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
FIRST STATE BANK 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ 266,453,000 | 87 | $ 6,777,000 |
FIFTH THIRD BANK 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 51 | $ 3,237,000 |
FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 46 | $ 4,354,000 |
U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 21 | $ 1,191,000 |
WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,373,600,000,000 | 15 | $ 1,267,000 |
FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 13 | $ 1,786,000 |
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 13 | $ 1,290,000 |
STONEGATE MORTGAGE CORPORATION 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 11 | $ 1,076,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 10 | $ 924,000 |
RIPLEY FEDERAL SAVINGS BANK 1006 S. SECOND ST, P.O. BOX 220 RIPLEY, OH 45167 |
* | $ 68,664,000 | 10 | $ 544,000 |
VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 483,000 |
INCENTA 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 82,972,000 | 9 | $ 661,000 |
THE NATIONAL BANK AND TRUST CO 48 N SOUTH STREET WILMINGTON, OH 45177 |
* | $ 637,708,000 | 9 | $ 601,000 |
LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 138,031,000 | 8 | $ 916,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 7 | $ 687,000 |
GUARDIAN SAVINGS BANK, A FEDERAL SAVINGS BANK 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 813,894,000 | 7 | $ 582,000 |
GENERAL ELECTRIC CREDIT UNION 10485 READING RD CINCINNATI, OH 45241 |
* | $ 1,912,238,000 | 6 | $ 1,392,000 |
POLARIS HOME FUNDING CORP. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 6 | $ 769,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 343,000 |
WOODFOREST NATIONAL BANK 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,884,304,000 | 6 | $ 362,000 |
TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 6 | $ 394,000 |
CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 5 | $ 371,000 |
THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 5 | $ 540,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 426,000 |
CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ 1,543,699,000 | 4 | $ 408,000 |
PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 4 | $ 573,000 |
CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,346,747,000,000 | 4 | $ 306,000 |
FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 4 | $ 382,000 |
NATIONS RELIABLE LENDING, LLC 2506 W MAIN STREET HOUSTON, TX 77056 |
* | $ 10,000,000 | 3 | $ 408,000 |
PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 3 | $ 222,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 3 | $ 325,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ 4,088,336,000 | 3 | $ 331,000 |
AMERICAN MORTGAGE SERVICE COMPANY 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 3 | $ 289,000 |
COMMUNITY TRUST BANK, INC. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,559,631,000 | 3 | $ 413,000 |
BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 3 | $ 289,000 |
FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 12,648,357,000 | 3 | $ 461,000 |
UNION SAVINGS BANK 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,459,127,000 | 3 | $ 318,000 |
FIRST SAFETY BANK 4901 VINE STREET CINCINNATI, OH 45217 |
* | $ 51,525,000 | 3 | $ 280,000 |
CITIZENS DEPOSIT BANK & TRUST PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 363,451,000 | 3 | $ 226,000 |
DESCO 401 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 267,662,000 | 3 | $ 158,000 |
TALMER BANK AND TRUST 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,308,075,000 | 2 | $ 430,000 |
MYCUMORTGAGE, LLC 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 2 | $ 169,000 |
THE VINTON COUNTY NATIONAL BANK 112 W MAIN ST PO BOX 460 MCARTHUR, OH 45651 |
* | $ 749,215,000 | 2 | $ 245,000 |
THE PARK NATIONAL BANK 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 6,527,444,000 | 2 | $ 133,000 |
MB FINANCIAL BANK NA 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,624,027,000 | 2 | $ 224,000 |
SHAREFAX CREDIT UNION 1147 OLD STATE ROUTE 74 BATAVIA, OH 45103 |
* | $ 315,542,000 | 2 | $ 178,000 |
NATIONAL COOPERATIVE BANK N.A. 139 HIGH STREET HILLSBORO, OH 45133 |
* | $ 1,697,622,000 | 2 | $ 191,000 |
FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 174,000 |
NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 IRVINE, CA 92614 |
* | $ 52,388,000 | 2 | $ 270,000 |
CROSSCOUNTRY MORTGAGE, INC. 6850 MILLER RD BRECKSVILLE, OH 44141 |
* | $ 10,000,000 | 2 | $ 232,000 |
VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY HENDERSON, NV 89052 |
* | $ 11,000,000 | 2 | $ 141,000 |
PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 164,000 |
RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 276,000 |
CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 2 | $ 13,000 |
CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ 945,758,000 | 2 | $ 128,000 |
1ST ALLIANCE LENDING, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 2 | $ 243,000 |
THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 2 | $ 258,000 |
ARVEST MORTGAGE COMPANY 931 W MONROE LOWELL, AR 72745 |
* | $ 14,081,085,000 | 1 | $ 46,000 |
STATE FARM BANK, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 160,000 |
SUNTRUST BANK P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 171,261,678,000 | 1 | $ 10,000 |
GMH MORTGAGE SERVICES LLC 625 W RIDGE PIKE STE 100; BUILDING C CONSHOHOCKEN, PA 19428 |
* | $ 0 | 1 | $ 197,000 |
NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 1 | $ 74,000 |
UNITED SHORE FINANCIAL SERVICES, LLC 1414 EAST MAPLE ROAD TROY, MI 48083 |
* | $ 10,000,000 | 1 | $ 110,000 |
UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 70,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ 8,994,122,000 | 1 | $ 265,000 |
ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 1 | $ 118,000 |
FIRST OHIO HOME FINANCE, INC. 385 COUNTY LINE RD W, STE 200 WESTERVILLE, OH 43082 |
* | $ 2,458,000 | 1 | $ 147,000 |
WESTERN OHIO MORTGAGE CORPORATION 733 FAIR RD SIDNEY, OH 45365 |
* | $ 1,435,000 | 1 | $ 44,000 |
PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 69,000 |
PREMIER HOME MORTGAGE, INC. 3024 TOWER RD RAPID CITY, SD 57701 |
* | $ 20,569,000 | 1 | $ 120,000 |
EQUITY RESOURCES, INC. PO BOX 5177 NEWARK, OH 43058 |
* | $ 16,280,000 | 1 | $ 135,000 |
CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, CA 94583 |
* | $ 100,000,000 | 1 | $ 109,000 |
MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 145,000 |
ZILLOW HOME LOANS, LLC 10975 EL MONTE ST OVERLAND PARK, KS 66211 |
* | $ 10,000,000 | 1 | $ 132,000 |
SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 GILBERT, AZ 85297 |
* | $ 5,889,539,000 | 1 | $ 118,000 |
BENEFICIAL BANK 1818 MARKET STREET PHILADELPHIA, PA 19103 |
* | $ 4,578,788,000 | 1 | $ 10,000 |
BBMC MORTGAGE, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 118,000 |
FIRST STATE MORTGAGE SERVICES, LLC 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 46,000 |
AMERICAN SAVINGS BANK, FSB 503 CHILLICOTHE STREET PORTSMOUTH, OH 45662 |
* | $ 254,648,000 | 1 | $ 93,000 |
MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 71,000 |
PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 439,528,000 | 1 | $ 274,000 |
THE MONTICELLO BANKING COMPANY 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 545,937,000 | 1 | $ 100,000 |
COLE TAYLOR BANK 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 101,000 |
GLASS CITY FEDERAL CREDIT UNION 1340 ARROWHEAD DRIVE MAUMEE, OH 43537 |
* | $ 182,365,000 | 1 | $ 50,000 |
CENTERBANK 744 STATE ROUTE 28 MILFORD, OH 45150 |
* | $ 120,712,000 | 1 | $ 197,000 |
WARSAW FEDERAL SAVINGS AND LOAN ASSOCIATION 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ 66,739,000 | 1 | $ 234,000 |
KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 90,439,767,000 | 1 | $ 65,000 |
NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 171,000 |
REVERSE MORTGAGE SOLUTIONS INC 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 49,000 |
NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 82,000 |
WRIGHT-PATT CREDIT UNION, INC. 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 2,728,692,000 | 1 | $ 21,000 |
PATHWAYS FINANCIAL CREDIT UNION, INC. 5665 N. HAMILTON RD COLUMBUS, OH 43230 |
* | $ 214,331,000 | 1 | $ 172,000 |
SOMERVILLE NATIONAL BANK, THE 197 NORTH SOUTH MAIN STREET SOMERVILLE, OH 45064 |
* | $ 171,070,000 | 1 | $ 124,000 |
KEMBA CREDIT UNION, INC. 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 564,783,000 | 1 | $ 202,000 |
PROFICIO BANK 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 1 | $ 134,000 |
DIRECTIONS CREDIT UNION, INC. 5121 WHITEFORD ROAD SYLVANIA, OH 43560 |
* | $ 565,033,000 | 1 | $ 200,000 |
The HDMA data totals below provide details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicants, loan type, the outcome of the application, and reason for denial. Each category breaks down the total number of mortgage applications and the total dollar amount for those applications. You can search and sort the totals by the average mortgage amount, the highest mortgage within that category, the average income of the mortgage applicants, and the highest income of the mortgage applicants. If you are looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.
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 | 245 | $24,265,000 | $99,000 | $358,000 | $56,000 | $751,000 |
Home Purchase | 226 | $19,893,000 | $88,000 | $525,000 | $52,000 | $312,000 |
Home Improvement | 39 | $1,665,000 | $42,000 | $179,000 | $44,000 | $101,000 |
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 | 438 | $38,120,000 | $87,000 | $368,000 | $54,000 | $524,000 |
Not Provided | 31 | $3,406,000 | $109,000 | $358,000 | $82,000 | $751,000 |
Not applicable | 30 | $2,451,000 | $81,000 | $198,000 | $3,000 | $39,000 |
American Indian or Alaskan Native | 7 | $862,000 | $123,000 | $157,000 | $86,000 | $127,000 |
Hispanic | 2 | $139,000 | $69,000 | $104,000 | $27,000 | $55,000 |
Asian | 1 | $525,000 | $525,000 | $525,000 | $197,000 | $197,000 |
Black or African American | 1 | $320,000 | $320,000 | $320,000 | $222,000 | $222,000 |
Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 351 | $29,804,000 | $84,000 | $525,000 | $60,000 | $751,000 |
FHA-insured (Federal Housing Administration) | 88 | $8,531,000 | $96,000 | $200,000 | $36,000 | $116,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $3,328,000 | $92,000 | $156,000 | $34,000 | $81,000 |
VA-guaranteed (Veterans Administration) | 35 | $4,160,000 | $118,000 | $283,000 | $45,000 | $101,000 |
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 | 238 | $21,997,000 | $92,000 | $320,000 | $60,000 | $751,000 |
Application Denied By Financial Institution | 146 | $10,927,000 | $74,000 | $358,000 | $44,000 | $203,000 |
Loan Purchased By The Institution | 43 | $3,994,000 | $92,000 | $198,000 | $21,000 | $116,000 |
Application Withdrawn By Applicant | 40 | $5,029,000 | $125,000 | $525,000 | $65,000 | $312,000 |
Application Approved But Not Accepted | 23 | $1,629,000 | $70,000 | $170,000 | $49,000 | $107,000 |
File Closed For Incompleteness | 20 | $2,247,000 | $112,000 | $274,000 | $87,000 | $335,000 |
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 | 48 | $2,539,000 | $52,000 | $160,000 | $49,000 | $203,000 |
Debt-To-Income Ratio | 21 | $1,639,000 | $78,000 | $160,000 | $41,000 | $93,000 |
Collateral | 20 | $1,869,000 | $93,000 | $200,000 | $57,000 | $124,000 |
Credit Application Incomplete | 8 | $672,000 | $84,000 | $110,000 | $51,000 | $91,000 |
Other | 7 | $578,000 | $82,000 | $158,000 | $39,000 | $72,000 |
Employment History | 4 | $282,000 | $70,000 | $85,000 | $40,000 | $50,000 |
Unverifiable Information | 3 | $247,000 | $82,000 | $130,000 | $53,000 | $101,000 |
Insufficient Cash (Downpayment, Closing Cost) | 2 | $129,000 | $64,000 | $68,000 | $17,000 | $35,000 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
We hope these details for mortgage applications and lending statistics will give you a better idea of what to expect when applying for a mortgage. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. With this info, you know what to look for as you look for the best home mortgages available to you - no surprises later on down the line. These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender.
If you prefer, you can download a copy of the entire list of mortgage lenders in Ohio, and search similar information back through 2003.