Harrison County OH
Mortgage Loan Application
Totals and Details
for 2017
Find mortgage statistics and lending data for the Harrison 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 Harrison 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 | 375 |
| Total Mortgage Loan Application Amount | $36,967,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $1,040,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $800,000 |
* 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 |
|---|---|---|---|---|
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 36 | $ 1,439,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 99,554,985,000 | 31 | $ 2,520,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 25 | $ 1,962,000 |
| WESBANCO BANK, INC. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 9,760,557,000 | 17 | $ 1,654,000 |
| UNIFIED BANK 201 S 4TH STREET MARTINS FERRY, OH 43935 |
* | $ 436,236,000 | 14 | $ 1,586,000 |
| THE PEOPLES NATIONAL BANK OF MOUNT PLEASANT 298 UNION ST, PO BOX 217 MT PLEASANT, OH 43939 |
* | $ 59,860,000 | 14 | $ 1,391,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,727,235,000,000 | 13 | $ 1,327,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ -1,000 | 13 | $ 1,360,000 |
| POLARIS HOME FUNDING CORP. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 11 | $ 970,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ -1,000 | 9 | $ 818,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ -1,000 | 8 | $ 1,269,000 |
| NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 8 | $ 996,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ -1,000 | 8 | $ 2,015,000 |
| UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 7 | $ 1,157,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 6 | $ 630,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 5 | $ 446,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ -1,000 | 5 | $ 479,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 5 | $ 354,000 |
| HOME SAVINGS BANK 275 W FEDERAL ST YOUNGSTOWN, OH 44503 |
* | $ 2,190,097,000 | 5 | $ 709,000 |
| REPUBLIC STATE MORTGAGE CO. 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 4 | $ 511,000 |
| OHIO VALLEY COMMUNITY FEDERAL CREDIT UNION 52775 BOSTON HILL ROAD CLARINGTON, OH 43915 |
* | $ 130,345,000 | 4 | $ 570,000 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC MORTGAGE SOLUTIONS OF COLORADO 5455 N UNION BLVD, CO 80918 |
* | $ -1,000 | 3 | $ 251,000 |
| MAGNOLIA BANK 794 OLD ELIZABETHTOWN RD HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 3 | $ 249,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 3 | $ 263,000 |
| PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 3 | $ 452,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 3 | $ 198,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 3 | $ 257,000 |
| UNITED BANK 11185 FAIRFAX BLVD FAIRFAX, VA 22030 |
* | $ 9,017,236,000 | 3 | $ 18,000 |
| FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 13,980,496,000 | 3 | $ 369,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 183,000 |
| DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 138,000 |
| HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 293,000 |
| THE PARK NATIONAL BANK 50 N THIRD STREET NEWARK, OH 43055 |
* | $ 7,393,408,000 | 2 | $ 257,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 2 | $ 152,000 |
| MID AMERICA MORTGAGE, INC. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 2 | $ 338,000 |
| NORTHERN OHIO INVESTMENT COMPANY 6444 MONROE STREET, SUITE 6 SYLVANIA, OH 43560 |
* | $ -1,000 | 2 | $ 193,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 214,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 341,000 |
| PEOPLES BANK 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 3,420,466,000 | 2 | $ 420,000 |
| BAYER HERITAGE 17612 ENERGY RD PROCTOR, WV 26055 |
* | $ 422,132,000 | 2 | $ 178,000 |
| ALLIED FIRST BANK,SB 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,524,000 | 2 | $ 267,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ -1,000 | 2 | $ 308,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 232,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 341,000 |
| THE FARMERS NATIONAL BANK OF CANFIELD 1 SOUTH MAIN STREET NILES, OH 44446 |
* | $ 1,948,257,000 | 2 | $ 281,000 |
| ADMIRALS BANK 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 392,980,000 | 2 | $ 28,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ -1,000 | 2 | $ 188,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 2 | $ 39,000 |
| HOWARD BANK 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,027,051,000 | 2 | $ 115,000 |
| CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 102,000 |
| WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 CHARLOTTE, NC 28210 |
* | $ -1,000 | 1 | $ 104,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 72,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 1 | $ 154,000 |
| IMPAC MORTGAGE CORP. 19500 JAMBOREE RD IRVINE, CA 92612 |
* | $ -1,000 | 1 | $ 76,000 |
| NUMARK CREDIT UNION 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 236,585,000 | 1 | $ 74,000 |
| ALLIANCE FINANCIAL RESOURCES 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ -1,000 | 1 | $ 91,000 |
| XCEED FINANCIAL 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 965,156,000 | 1 | $ 230,000 |
| CONSUMERS NATIONAL BANK 614 EAST LINCOLN WAY MINERVA, OH 44567 |
* | $ 439,754,000 | 1 | $ 75,000 |
| NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,862,672,000 | 1 | $ 200,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 190,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 1,000 |
| EQUITY RESOURCES, INC. PO BOX 5177 NEWARK, OH 43058 |
* | $ -1,000 | 1 | $ 136,000 |
| FIRST NATIONAL BANK OF PENNSYLVANIA 166 MAIN ST GREENVILLE, PA 16125 |
* | $ 21,652,010,000 | 1 | $ 88,000 |
| FIRST INTERNET BANK OF INDIANA 11201 USA PARKWAY FISHERS, IN 46037 |
* | $ 1,850,010,000 | 1 | $ 50,000 |
| FORETHOUGHT LIFE INSURANCE COMPANY 10 WEST MARKET STREET STE. 2300 INDIANAPOLIS, IN 46204 |
* | $ -1,000 | 1 | $ 37,000 |
| CROSSCOUNTRY MORTGAGE, INC. 6850 MILLER RD BRECKSVILLE, OH 44141 |
* | $ -1,000 | 1 | $ 144,000 |
| TOWNE MORTGAGE COMPANY 2170 E. BIG BEAVER ROAD, SUITE A TROY, MI 48083 |
* | $ -1,000 | 1 | $ 125,000 |
| FIRST COMMONWEALTH BANK PO BOX 400 INDIANA, PA 15701 |
* | $ 6,642,231,000 | 1 | $ 116,000 |
| INTERCAP LENDING INC. 11781 S. LONE PEAK PARKWAY, SUITE 200 DRAPER, UT 84020 |
* | $ -1,000 | 1 | $ 265,000 |
| ZILLOW HOME LOANS, LLC 10975 EL MONTE ST OVERLAND PARK, KS 66211 |
* | $ -1,000 | 1 | $ 189,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,349,581,000,000 | 1 | $ 61,000 |
| OHIO CATHOLIC FEDERAL CREDIT UNION 13623 ROCKSIDE RD. GARFIELD HEIGHTS, OH 44125 |
* | $ 159,933,000 | 1 | $ 49,000 |
| PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 92,000 |
| RIVERSET CREDIT UNION 1700 JANE STREET PITTSBURGH, PA 15203 |
* | $ 113,780,000 | 1 | $ 30,000 |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF LAKEWOOD 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,633,269,000 | 1 | $ 220,000 |
| FIRST MIDWEST BANK 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 11,254,182,000 | 1 | $ 18,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, CA 94583 |
* | $ -1,000 | 1 | $ 135,000 |
| DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 91,146,995,000 | 1 | $ 61,000 |
| FIFTH THIRD BANK 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 139,776,168,000 | 1 | $ 53,000 |
| AMERICAN SOUTHWEST MORTGAGE CORP. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ -1,000 | 1 | $ 95,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 122,631,667,000 | 1 | $ 72,000 |
| HOME MORTGAGE ASSURED CORPORATION 6000 PARKLAND BLVD MAYFIELD HTS, OH 44124 |
* | $ -1,000 | 1 | $ 98,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 1 | $ 95,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 44,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 55,000 |
| FIRST SECURITY MORTGAGE CORPORATION 15887 SNOW ROAD, SUITE 200 BROOK PARK, OH 44142 |
* | $ -1,000 | 1 | $ 72,000 |
| SEVEN SEVENTEEN CREDIT UNION 3181 LARCHMONT AVE. WARREN, OH 44483 |
* | $ 916,928,000 | 1 | $ 203,000 |
| THE COMMERCIAL AND SAVINGS BANK OF MILLERSBURG OHIO 91 NORTH CLAY STREET MILLERSBURG, OH 44654 |
* | $ 669,841,000 | 1 | $ 126,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 50,000 |
| SUNTRUST BANK P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 200,557,635,000 | 1 | $ 12,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 50,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 1 | $ 133,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 167,000 |
| SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 GILBERT, AZ 85297 |
* | $ -1,000 | 1 | $ 215,000 |
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 Harrison County OH in 2017
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 | 154 | $18,360,000 | $119,000 | $1,040,000 | $71,000 | $800,000 |
| Refinancing | 145 | $15,916,000 | $109,000 | $745,000 | $54,000 | $334,000 |
| Home Improvement | 76 | $2,691,000 | $35,000 | $225,000 | $69,000 | $480,000 |
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 | 298 | $27,053,000 | $90,000 | $476,000 | $69,000 | $800,000 |
| Not applicable | 34 | $4,216,000 | $124,000 | $745,000 | $5,000 | $106,000 |
| Not Provided | 23 | $3,899,000 | $169,000 | $1,040,000 | $97,000 | $584,000 |
| Black or African American | 11 | $605,000 | $55,000 | $117,000 | $57,000 | $130,000 |
| American Indian or Alaskan Native | 5 | $576,000 | $115,000 | $202,000 | $51,000 | $82,000 |
| Hispanic | 4 | $618,000 | $154,000 | $331,000 | $47,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 228 | $21,084,000 | $92,000 | $1,040,000 | $79,000 | $800,000 |
| FHA-insured (Federal Housing Administration) | 89 | $9,216,000 | $103,000 | $253,000 | $45,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 36 | $4,584,000 | $127,000 | $331,000 | $40,000 | $148,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,083,000 | $94,000 | $210,000 | $29,000 | $66,000 |
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 | 193 | $20,076,000 | $104,000 | $1,040,000 | $73,000 | $584,000 |
| Application Denied By Financial Institution | 79 | $6,287,000 | $79,000 | $476,000 | $61,000 | $268,000 |
| Loan Purchased By The Institution | 41 | $4,257,000 | $103,000 | $352,000 | $18,000 | $139,000 |
| Application Withdrawn By Applicant | 34 | $3,198,000 | $94,000 | $293,000 | $70,000 | $800,000 |
| File Closed For Incompleteness | 19 | $2,176,000 | $114,000 | $253,000 | $73,000 | $334,000 |
| Application Approved But Not Accepted | 9 | $973,000 | $108,000 | $203,000 | $74,000 | $108,000 |
| 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 | 23 | $973,000 | $42,000 | $157,000 | $75,000 | $268,000 |
| Collateral | 11 | $1,114,000 | $101,000 | $204,000 | $88,000 | $135,000 |
| Credit Application Incomplete | 9 | $705,000 | $78,000 | $200,000 | $48,000 | $120,000 |
| Debt-To-Income Ratio | 7 | $432,000 | $61,000 | $210,000 | $44,000 | $79,000 |
| Unverifiable Information | 3 | $253,000 | $84,000 | $210,000 | $73,000 | $148,000 |
| Other | 2 | $154,000 | $77,000 | $83,000 | $28,000 | $37,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $20,000 | $20,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $100,000 | $100,000 | $100,000 | $51,000 | $51,000 |
| 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.