Find mortgage statistics and lending data for the Brantley County GA 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 Brantley County GA, 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 | 650 |
Total Mortgage Loan Application Amount | $45,216,000 |
Average Mortgage Loan Application Amount | $69,000 |
Highest Mortgage Loan Application Amount | $378,000 |
Average Applicant Income | $48,000 |
Highest Applicant Income | $1,037,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
SOUTHEASTERN BANK 1010 NORTH WAY, POST OFFICE BOX 455 DARIEN, GA 31305 |
* | $ 408,994,000 | 172 | $ 3,581,000 |
SATILLA COMMUNITY BANK PO BOX 5400 ST. MARYS, GA 31558 |
* | $ 129,724,000 | 57 | $ 2,279,000 |
MARSHLAND CREDIT UNION 3650 COMMUNITY ROAD BRUNSWICK, GA 31520 |
* | $ 96,375,000 | 40 | $ 2,643,000 |
SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 28 | $ 4,088,000 |
ATLANTIC COAST BANK 505 HAINES AVENUE WAYCROSS, GA 31501 |
* | $ 837,770,000 | 21 | $ 1,665,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 19 | $ 1,144,000 |
BENEFICIAL COMPANY LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 18 | $ 1,361,000 |
CITIFINANCIAL SERVICES, INC. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 16 | $ 1,099,000 |
BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 15 | $ 1,203,000 |
FIRST FEDERAL 2440 MALL DR SUITE 100 NORTH CHARLESTON, SC 29406 |
* | $ 2,610,176,000 | 15 | $ 587,000 |
UNITED COMMUNITY BANK PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 5,982,196,000 | 13 | $ 1,053,000 |
WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 12 | $ 982,000 |
BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 117,134,085,000 | 11 | $ 1,096,000 |
COUNTRYWIDE HOME LOANS 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 11 | $ 1,199,000 |
WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 10 | $ 1,683,000 |
ORIGEN FINANCIAL SERVICES LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 9 | $ 443,000 |
GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 717,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ 31,000,000 | 8 | $ 743,000 |
JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 8 | $ 1,206,000 |
WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 7 | $ 583,000 |
TAYLOR, BEAN & WHITAKER 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 7 | $ 550,000 |
ELOAN 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 6 | $ 575,000 |
AMERIS BANK 300 SOUTH MAIN STREET MOULTRIE, GA 31768 |
* | $ 2,052,526,000 | 6 | $ 397,000 |
COUNTRYWIDE BANK FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 6 | $ 565,000 |
GEORGIA B&TC OF AUGUSTA P O BOX 15367 AUGUSTA, GA 30919 |
* | $ 988,383,000 | 6 | $ 1,030,000 |
CRESCENT MORTGAGE COMPANY 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 804,648,000 | 5 | $ 578,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 420,000 |
AGSOUTH FARM CREDIT, ACA PO BOX 718 STATESBORO, GA 30459 |
* | $ 10,000,000 | 4 | $ 576,000 |
FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 4 | $ 690,000 |
CITIMORTGAGE, INC 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 435,000 |
SUNTRUST BANKS, INC. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 182,588,156,000 | 3 | $ 425,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 130,000 |
AMERICAN GENERAL FIN.SERV.(DE) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 3 | $ 94,000 |
CIMARRON MORTGAGE COMPANY 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 3 | $ 493,000 |
ALLY BANK F/K/A/ GMAC BANK 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 3 | $ 257,000 |
LIBERTY MORTGAGE CORPORATION 2713 FOREST HILLS RD WILSON, NC 27893 |
* | $ 43,553,752,000 | 3 | $ 206,000 |
AURORA BANK FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 2 | $ 298,000 |
HOME LOAN INVESTMENT BANK ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 2 | $ 312,000 |
EVERBANK 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 4,173,972,000 | 2 | $ 293,000 |
THE HERITAGE BANK 300 S MAIN ST HINESVILLE, GA 31313 |
* | $ 356,008,000 | 2 | $ 46,000 |
THE COASTAL BANK OF GEORGIA 1500 NEWCASTLE STREET BRUNSWICK, GA 31520 |
* | $ 581,491,000 | 2 | $ 52,000 |
COREFIRST BANK & TRUST 3035 S TOPEKA BLVD TOPEKA, KS 66611 |
* | $ 1,169,522,000 | 2 | $ 111,000 |
FREEDOM MORTGAGE CORP. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 201,000 |
DELTA FUNDING CORPORATION 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 230,000 |
CU FACTORY BUILT LENDING, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 2 | $ 76,000 |
1ST CHOICE MORTGAGE/EQUITY COR 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 2 | $ 148,000 |
SIDUS FINANCIAL, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 2 | $ 265,000 |
FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 52,671,972,000 | 2 | $ 99,000 |
CHASE MANHATTAN BANK USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 2 | $ 357,000 |
CITIBANK, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 115,000 |
ABN AMRO MTG GROUP INC 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 311,000 |
FIELDSTONE MORTGAGE COMPANY 11000 BROKEN LAND PARKWAY, SUITE 900 COLUMBIA, MD 21044 |
* | $ 10,000,000 | 2 | $ 288,000 |
WELLS FARGO BANK, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 518,123,000,000 | 2 | $ 71,000 |
US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 127,000 |
FIRST TENNESSEE BANK NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 1 | $ 128,000 |
PNC BANK N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 90,142,449,000 | 1 | $ 27,000 |
CITIZENS FIRST NATIONAL BANK 128 E. DAKOTA STREET SPRING VALLEY, IL 61362 |
* | $ 1,031,705,000 | 1 | $ 165,000 |
WACHOVIA MORTGAGE CORP 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 140,000 |
ATLANTIC NATIONAL BANK 710 GLOUCESTER STREET BRUNSWICK, GA 31520 |
* | $ 181,486,000 | 1 | $ 80,000 |
AMERICANMTGNETWORK DBA VERTICE TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 1 | $ 135,000 |
WELLS FARGO FIN'L GEORGIA, INC 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 105,000 |
EQUIFIRST CORPORATION 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 1 | $ 107,000 |
ACE MORTGAGE FUNDING, LLC. 7820 INNOVATION BLVD. SUITE 300 INDIANAPOLIS, IN 46278 |
* | $ 10,000,000 | 1 | $ 200,000 |
EQUITY RESOURCES, INC. PO BOX 5177 NEWARK, OH 43058 |
* | $ 10,000,000 | 1 | $ 25,000 |
PLAZA HOME MORTGAGE, INC 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 193,000 |
WALTER MORTGAGE COMPANY 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 80,000 |
AMC MORTGAGE SERVICES, INC. 1100 TOWN & COUNTRY ROAD, SUITE 1100 IRVINE, CA 92868 |
* | $ 10,000,000 | 1 | $ 77,000 |
MORTGAGE IT INC 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 120,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ 4,088,336,000 | 1 | $ 163,000 |
GREEN TREE SERVICING LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 46,000 |
PREMIUM CAPITAL FUNDING LLC 125 JERICHO TPKE JERICHO, NY 11753 |
* | $ 10,000,000 | 1 | $ 160,000 |
VANDERBILT MORTGAGE 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 1 | $ 61,000 |
LENDING.COM 12700 PARK CENTRAL 21ST FLOOR DALLAS, TX 75251 |
* | $ 9,585,000 | 1 | $ 50,000 |
CTX MORTGAGE COMPANY, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 116,000 |
NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 91,000 |
OPTION ONE MORTGAGE CORP 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 112,000 |
AMERIQUEST MORTGAGE COMPANY 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 74,000 |
BAYROCK MORTGAGE CORPORATION 11575 GREAT OAKS WAY, SUITE 300 ALPHARETTA, GA 30022 |
* | $ 10,000,000 | 1 | $ 136,000 |
FOUNDATION FINANCIAL GROUP 100 GALLERIA PKWY, SUITE 1400 ATLANTA, GA 30339 |
* | $ 11,100,000 | 1 | $ 157,000 |
YALE MORTGAGE CORP 4100 NE 2ND AVENUE SUITE 206 MIAMI, FL 33137 |
* | $ 4,227,000 | 1 | $ 130,000 |
ACCREDITED HOME LENDERS, INC 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 1 | $ 134,000 |
BIRMINGHAM BANCORP MORTGAGE 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 91,000 |
GREENLIGHT FINANCIAL SERVICES 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 160,000 |
MONTGOMERY BANK & TRUST 125 SOUTH LEE STREET AILEY, GA 30410 |
* | $ 208,794,000 | 1 | $ 70,000 |
SECURITY BANK OF BIBB COUNTY P.O. BOX 4748 MACON, GA 31208 |
* | $ 1,089,742,000 | 1 | $ 175,000 |
FIRST BANK OF GEORGIA 2743 PERIMETER PKWY BLD 100, SUITE 100 AUGUSTA, GA 30909 |
* | $ 417,384,000 | 1 | $ 182,000 |
OGLETHORPE BANK P O BOX 8811 LITTLE ROCK, AR 72231 |
* | $ 179,250,000 | 1 | $ 11,000 |
FARMERS & MERCHANTS BANK 4 NORTH CARTER STREET, PO BOX 187 LAKELAND, GA 31635 |
* | $ 406,719,000 | 1 | $ 101,000 |
HSBC MORTGAGE SERVICES, INC. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 16,981,282,000 | 1 | $ 160,000 |
TALBOT STATE BANK 710 NORTH GLYNN STREET FAYETTEVILLE, GA 30214 |
* | $ 93,598,000 | 1 | $ 134,000 |
ING BANK, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 62,691,446,000 | 1 | $ 38,000 |
STATE FARM BANK 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 13,489,917,000 | 1 | $ 123,000 |
TOGETHER CREDIT UNION MICHAEL DOUGHERTY 1001 LYNCH ST., MO 63118 |
* | $ 863,466,000 | 1 | $ 75,000 |
FIRST COMMERCE CREDIT UNION 2073 LAKE SUMMIT TALLAHASSEE, FL 32310 |
* | $ 265,961,000 | 1 | $ 60,000 |
INDYMAC BANK, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 1 | $ 75,000 |
LENDMARK FINANCIAL SERVICES 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 65,000 |
SYNOVUS MORTGAGE CORPORATION 2204 LAKESHORE DRIVE SUITE 325 BIRMINGHAM, AL 35209 |
* | $ 473,030,000 | 1 | $ 233,000 |
M&I BANK FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,112,383,000 | 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 | 327 | $27,052,000 | $82,000 | $346,000 | $52,000 | $1,037,000 |
Home Purchase | 224 | $16,490,000 | $73,000 | $378,000 | $47,000 | $180,000 |
Home Improvement | 99 | $1,674,000 | $16,000 | $160,000 | $35,000 | $144,000 |
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 | 562 | $37,378,000 | $66,000 | $378,000 | $49,000 | $1,037,000 |
Not Provided | 37 | $3,355,000 | $90,000 | $242,000 | $47,000 | $114,000 |
Not applicable | 23 | $2,494,000 | $108,000 | $378,000 | $17,000 | $170,000 |
Black or African American | 21 | $1,392,000 | $66,000 | $160,000 | $47,000 | $129,000 |
Hispanic | 6 | $581,000 | $96,000 | $175,000 | $62,000 | $126,000 |
American Indian or Alaskan Native | 1 | $16,000 | $16,000 | $16,000 | $80,000 | $80,000 |
Asian | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 619 | $41,757,000 | $67,000 | $378,000 | $48,000 | $1,037,000 |
FHA-insured (Federal Housing Administration) | 29 | $3,142,000 | $108,000 | $200,000 | $45,000 | $83,000 |
VA-guaranteed (Veterans Administration) | 2 | $317,000 | $158,000 | $182,000 | $61,000 | $78,000 |
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 | 402 | $23,109,000 | $57,000 | $378,000 | $47,000 | $350,000 |
Application Denied By Financial Institution | 117 | $8,353,000 | $71,000 | $247,000 | $51,000 | $1,037,000 |
Loan Purchased By The Institution | 49 | $6,295,000 | $128,000 | $378,000 | $40,000 | $170,000 |
Application Approved But Not Accepted | 41 | $3,354,000 | $81,000 | $250,000 | $55,000 | $129,000 |
Application Withdrawn By Applicant | 35 | $3,419,000 | $97,000 | $250,000 | $50,000 | $104,000 |
File Closed For Incompleteness | 5 | $362,000 | $72,000 | $107,000 | $43,000 | $66,000 |
Preapproval Denied by Financial Institution | 1 | $324,000 | $324,000 | $324,000 | $0 | $0 |
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 |
---|---|---|---|---|---|---|
Credit History | 27 | $1,589,000 | $58,000 | $144,000 | $41,000 | $126,000 |
Collateral | 10 | $774,000 | $77,000 | $200,000 | $56,000 | $130,000 |
Debt-To-Income Ratio | 6 | $523,000 | $87,000 | $242,000 | $34,000 | $51,000 |
Other | 5 | $575,000 | $115,000 | $165,000 | $57,000 | $86,000 |
Unverifiable Information | 4 | $665,000 | $166,000 | $324,000 | $287,000 | $1,037,000 |
Insufficient Cash (Downpayment, Closing Cost) | 2 | $175,000 | $87,000 | $157,000 | $48,000 | $49,000 |
Employment History | 1 | $139,000 | $139,000 | $139,000 | $0 | $0 |
Credit Application Incomplete | 1 | $128,000 | $128,000 | $128,000 | $72,000 | $72,000 |
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 Georgia, and search similar information back through 2003.