Grenada County MS
Mortgage Loan Application
Totals and Details
for 2022
Find mortgage statistics and lending data for the Grenada County MS 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 Grenada County MS, 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 | 743 |
| Total Mortgage Loan Application Amount | $106,875,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $1,215,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $478,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| RENASANT BANK 209 TROY ST., P.O. BOX 709 TUPELO, MS 38802 |
* | $ 16,793,269,000 | 118 | $ 14,900,000 |
| REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 100 | $ 10,840,000 |
| CADENCE BANK P O BOX 789 TUPELO, MS 38802 |
* | $ 47,665,560,000 | 78 | $ 10,070,000 |
| BANKPLUS 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 5,187,184,000 | 59 | $ 7,165,000 |
| GUARANTY BANK AND TRUST COMPANY 210 N. HAYDEN STREET BELZONI, MS 39038 |
* | $ 1,437,205,000 | 28 | $ 5,880,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 23 | $ 3,335,000 |
| FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 16,855,693,000 | 21 | $ 4,415,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 20 | $ 3,160,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH DRAPER, UT 84020 |
* | $ -1,000 | 16 | $ 1,200,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 13 | $ 2,565,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ -1,000 | 12 | $ 2,200,000 |
| STANDARD MORTGAGE CORPORATION 701 POYDRAS STREET STE 300 PLAZA NEW ORLEANS, LA 70139 |
* | $ -1,000 | 12 | $ 1,770,000 |
| NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 11 | $ 1,475,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 11 | $ 1,245,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ -1,000 | 10 | $ 1,820,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 10 | $ 1,560,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,715,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ -1,000 | 8 | $ 1,250,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ -1,000 | 7 | $ 615,000 |
| FIRSTBANK 11 CHANNING WAY JACKSON, TN 38305 |
* | $ 12,582,271,000 | 7 | $ 745,000 |
| COUNTRYPLACE MORTGAGE, LTD. 15301 SPECTRUM DR. STE 550 ADDISON, TX 75001 |
* | $ -1,000 | 7 | $ 955,000 |
| CIS FINANCIAL SERVICES, INC. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ -1,000 | 7 | $ 1,265,000 |
| EVERETT FINANCIAL, INC. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 5 | $ 615,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 495,000 |
| DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 108,342,526,000 | 5 | $ 505,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 4 | $ 520,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ -1,000 | 4 | $ 770,000 |
| UNITED COMMUNITY BANK PO BOX 398 BLAIRSVILLE, GA 30512 |
* | $ 20,897,645,000 | 4 | $ 600,000 |
| CSL FINANCIAL, LLC 500 OFFICE PARK DRIVE, SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 4 | $ 420,000 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC MORTGAGE SOLUTIONS OF COLORADO 5455 N UNION BLVD, CO 80918 |
* | $ -1,000 | 4 | $ 440,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ -1,000 | 3 | $ 575,000 |
| TRUSTMARK NATIONAL BANK PO BOX 291 JACKSON, MS 39205 |
* | $ 17,593,319,000 | 3 | $ 305,000 |
| THE FIRST BANK P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 6,066,913,000 | 3 | $ 325,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 3 | $ 325,000 |
| GMFS LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ -1,000 | 3 | $ 465,000 |
| EAGLE BANK AND TRUST COMPANY 650 SOUTH SHACKLEFORD SUITE 150 P O BOX 22120 LITTLE ROCK, AR 72211 |
* | $ 502,207,000 | 3 | $ 435,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 795,000 |
| BARRINGTON BANK & TRUST COMPANY, N.A. 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 2 | $ 280,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 320,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ -1,000 | 2 | $ 250,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 2 | $ 390,000 |
| INDEPENDENT BANK 5050 POPLAR AVENUE STE 2100 MEMPHIS, TN 38157 |
* | $ 1,290,156,000 | 2 | $ 370,000 |
| PEOPLES BANK PO BOX 7 MENDENHALL, MS 39114 |
* | $ 431,628,000 | 2 | $ 240,000 |
| ALLY BANK 2101, 300 EAST REXFORD RD CHARLOTTE, NC 28211 |
* | $ 172,820,000,000 | 2 | $ 530,000 |
| CB&S BANK, INC. 200 JACKSON AVE. S. RUSSELLVILLE, AK 35653 |
* | $ 2,411,518,000 | 2 | $ 390,000 |
| BETTER MORTGAGE CORPORATION 459 BROADWAY, FLOOR 5 NEW YORK, NY 10013 |
* | $ -1,000 | 2 | $ 930,000 |
| UNITED SHORE FINANCIAL SERVICES, LLC 1414 EAST MAPLE ROAD TROY, MI 48083 |
* | $ -1,000 | 2 | $ 340,000 |
| GENHOME MORTGAGE CORPORATION 2923 PULLMAN ST SUITE B SANTA ANA, CA 92677 |
* | $ -1,000 | 2 | $ 750,000 |
| AUSTIN CAPITAL BANK SSB 8100 SHOAL CREEK BLVD AUSTIN, TX 78757 |
* | $ 414,678,000 | 2 | $ 290,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,779,504,000,000 | 2 | $ 450,000 |
| FIRST FLORIDA CREDIT UNION 500 WEST 1ST STREET JACKSONVILLE, FL 32203 |
* | $ 1,319,070,000 | 1 | $ 85,000 |
| CROSSCOUNTRY MORTGAGE, INC. 6850 MILLER RD BRECKSVILLE, OH 44141 |
* | $ -1,000 | 1 | $ 185,000 |
| VIBRANT CREDIT UNION 1900 52ND AVE MOLINE, IL 61265 |
* | $ 1,063,621,000 | 1 | $ 75,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY HENDERSON, NV 89052 |
* | $ -1,000 | 1 | $ 185,000 |
| LOWER, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 1 | $ 255,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 285,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 75,000 |
| LEADERS CREDIT UNION 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 642,830,000 | 1 | $ 125,000 |
| COMMUNITY BANK OF MISSISSIPPI 323 EAST THIRD STREET FOREST, MS 39074 |
* | $ 4,444,664,000 | 1 | $ 25,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 205,000 |
| CITY BANK 5219 CITY BANK PARKWAY LUBBOCK, TX 79408 |
* | $ 3,899,486,000 | 1 | $ 325,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 CHARLOTTE, NC 28273 |
* | $ -1,000 | 1 | $ 155,000 |
| PLANTERS BANK & TRUST COMPANY P. O. BOX 31 INDIANOLA, MS 38751 |
* | $ 1,763,876,000 | 1 | $ 115,000 |
| NUMARK CREDIT UNION 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 604,572,000 | 1 | $ 155,000 |
| RIVERTRUST FEDERAL CREDIT UNION P O BOX 97997 PEARL, MS 39288 |
* | $ 179,112,000 | 1 | $ 125,000 |
| COMMUNITY MORTGAGE CORPORATION 142 TIMBER CREEK DRIVE CORDOVA, TN 38018 |
* | $ -1,000 | 1 | $ 275,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 MERIDEN, CT 06540 |
* | $ -1,000 | 1 | $ 275,000 |
| FIRST FEDERAL BANK, A FSB 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 131,771,000 | 1 | $ 305,000 |
| CONTOUR MORTGAGE CORPORATION 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 135,000 |
| PRIORITYONE BANK 220 MAIN AVENUE NORTH MAGEE, MS 39111 |
* | $ 895,997,000 | 1 | $ 195,000 |
| BROKER SOLUTIONS, INC. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 135,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 215,000 |
| CORNERSTONE HOME LENDING, INC. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 195,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 115,000 |
| FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 35,000 |
| CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 115,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 1 | $ 85,000 |
| NORTHPOINTE BANK 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 1 | $ 335,000 |
| HANCOCK WHITNEY BANK 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 36,519,724,000 | 1 | $ 125,000 |
| NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 75,000 |
| PREMIA MORTGAGE, LLC 5480 CORPORATE DRIVE SUITE 240 TROY, MI 48098 |
* | $ -1,000 | 1 | $ 215,000 |
| NBKC BANK 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 1,041,605,000 | 1 | $ 235,000 |
| MUTUAL OF OMAHA MORTGAGE, INC 3131 CAMINO DEL RIO N 190 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 55,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 547,610,000 | 1 | $ 285,000 |
| PINNACLE BANK 150 3RD AVE SOUTH NASHVILLE, TN 37201 |
* | $ 38,275,134,000 | 1 | $ 225,000 |
| WALKER & DUNLOP, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ -1,000 | 1 | $ 1,215,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| ATLANTA POSTAL 1605 BOGGS ROAD DULUTH, GA 30096 |
* | $ 2,565,203,000 | 1 | $ 315,000 |
| COLONIAL SAVINGS, F.A. P O BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,089,286,000 | 1 | $ 325,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 1 | $ 285,000 |
| MAGNOLIA BANK 794 OLD ELIZABETHTOWN RD HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 1 | $ 205,000 |
| IXONIA BANK W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 589,632,000 | 1 | $ 465,000 |
| CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 6,193,839,000 | 1 | $ 175,000 |
| FIRSTTRUST HOME LOANS, INC. 906 SOUTH ROCK ST. SHERIDAN, AR 72150 |
* | $ -1,000 | 1 | $ 185,000 |
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.
Mortgage Loan Application Detail Totals for Grenada County MS in 2022
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 408 | $66,460,000 | $162,000 | $655,000 | $78,000 | $478,000 |
| Refinancing | 130 | $16,520,000 | $127,000 | $1,215,000 | $91,000 | $360,000 |
| Cash-out Refinancing | 103 | $16,905,000 | $164,000 | $645,000 | $78,000 | $310,000 |
| Home Improvement | 51 | $2,335,000 | $45,000 | $165,000 | $74,000 | $181,000 |
| Other Purpose | 48 | $4,310,000 | $89,000 | $405,000 | $84,000 | $282,000 |
| Not Applicable | 3 | $345,000 | $115,000 | $185,000 | $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 | 414 | $58,330,000 | $140,000 | $645,000 | $88,000 | $478,000 |
| Black or African American | 211 | $28,285,000 | $134,000 | $625,000 | $68,000 | $329,000 |
| Not applicable | 64 | $12,110,000 | $189,000 | $1,215,000 | $49,000 | $49,000 |
| Not Provided | 49 | $6,995,000 | $142,000 | $425,000 | $71,000 | $170,000 |
| Hispanic | 1 | $55,000 | $55,000 | $55,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $655,000 | $655,000 | $655,000 | $99,000 | $99,000 |
| American Indian or Alaskan Native | 1 | $15,000 | $15,000 | $15,000 | $62,000 | $62,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $69,000 | $69,000 |
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) | 497 | $66,145,000 | $133,000 | $665,000 | $88,000 | $360,000 |
| FHA-insured (Federal Housing Administration) | 143 | $21,925,000 | $153,000 | $1,215,000 | $62,000 | $478,000 |
| VA-guaranteed (Veterans Administration) | 61 | $12,525,000 | $205,000 | $465,000 | $74,000 | $212,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 42 | $6,280,000 | $149,000 | $355,000 | $54,000 | $121,000 |
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 | 373 | $51,715,000 | $138,000 | $665,000 | $88,000 | $478,000 |
| Application Denied By Financial Institution | 168 | $22,050,000 | $131,000 | $1,215,000 | $61,000 | $329,000 |
| Application Withdrawn By Applicant | 97 | $16,215,000 | $167,000 | $585,000 | $86,000 | $300,000 |
| Loan Purchased By The Institution | 43 | $7,435,000 | $172,000 | $295,000 | $82,000 | $124,000 |
| File Closed For Incompleteness | 34 | $5,210,000 | $153,000 | $355,000 | $81,000 | $282,000 |
| Application Approved But Not Accepted | 28 | $4,250,000 | $151,000 | $625,000 | $78,000 | $199,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 572 | $84,520,000 | $147,000 | $665,000 | $87,000 | $478,000 |
| Credit History | 75 | $7,705,000 | $102,000 | $355,000 | $63,000 | $170,000 |
| Debt-To-Income Ratio | 46 | $6,610,000 | $143,000 | $405,000 | $47,000 | $171,000 |
| Credit Application Incomplete | 16 | $2,590,000 | $161,000 | $615,000 | $98,000 | $329,000 |
| Collateral | 15 | $2,615,000 | $174,000 | $1,215,000 | $65,000 | $168,000 |
| Other | 13 | $1,525,000 | $117,000 | $225,000 | $62,000 | $143,000 |
| Unverifiable Information | 4 | $970,000 | $242,000 | $425,000 | $25,000 | $76,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $38,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $265,000 | $265,000 | $265,000 | $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 Mississippi, and search similar information back through 2003.