Knox County KY
Mortgage Loan Application
Totals and Details
for 2023
Find mortgage statistics and lending data for the Knox County KY metro area.
With the lists below, you can explore the total number of mortgage applications and mortgage lending details for 2003-2023.
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 Knox County KY, 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 | 2023 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 | 932 |
| Total Mortgage Loan Application Amount | $108,350,000 |
| Average Mortgage Loan Application Amount | $116,000 |
| Highest Mortgage Loan Application Amount | $1,165,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $810,000 |
* 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 |
|---|---|---|---|---|
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL KNOXVILLE, TN 37804 |
* | $ -1,000 | 252 | $ 26,670,000 |
| CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 3,601,623,000 | 62 | $ 6,170,000 |
| COMMUNITY TRUST BANK, INC. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,351,295,000 | 49 | $ 6,075,000 |
| L & N FEDERAL CREDIT UNION 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,925,697,000 | 47 | $ 4,285,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ -1,000 | 47 | $ 3,885,000 |
| FIRSTBANK 11 CHANNING WAY NASHVILLE, TN 38305 |
* | $ 12,826,414,000 | 43 | $ 4,385,000 |
| COMMERCIAL BANK 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 1,734,819,000 | 36 | $ 4,310,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 552,307,127,000 | 32 | $ 2,470,000 |
| FORCHT BANK, NATIONAL ASSOCIATION 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,501,392,000 | 23 | $ 2,085,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WILMINGTON, DE 91361 |
* | $ -1,000 | 21 | $ 3,255,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 19 | $ 2,135,000 |
| FIRST STATE BANK OF THE SOUTHEAST, INC. PO BOX 37 MIDDLESBORO, KY 40977 |
* | $ 398,189,000 | 18 | $ 2,040,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ -1,000 | 18 | $ 3,120,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ -1,000 | 15 | $ 2,785,000 |
| POLARIS HOME FUNDING CORP. 151 44TH ST. SW ENGLEWOOD, FL 49418 |
* | $ -1,000 | 12 | $ 2,430,000 |
| DISCOVER BANK 12 READS WAY GREENWOOD, DE 19720 |
* | $ 129,461,046,000 | 10 | $ 560,000 |
| TOP FLITE FINANCIAL, INC. 123 E GRAND RIVER AVE PLYMOUTH, MI 48895 |
* | $ -1,000 | 9 | $ 1,155,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 WILMINGTON, DE 06540 |
* | $ -1,000 | 9 | $ 1,365,000 |
| TAMMAC HOLDINGS CORPORATION 100 COMMERCE BLVD WILMINGTON, DE 18702 |
* | $ -1,000 | 8 | $ 890,000 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 AUSTIN, TX 75024 |
* | $ -1,000 | 8 | $ 1,730,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ -1,000 | 7 | $ 1,055,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ -1,000 | 7 | $ 1,235,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ -1,000 | 7 | $ 1,145,000 |
| COMMONWEALTH P.O. BOX 978 FRANKFORT, KY 40602 |
* | $ 2,031,410,000 | 6 | $ 620,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 WILMINGTON, DE 19462 |
* | $ -1,000 | 6 | $ 840,000 |
| CUMBERLAND VALLEY NATIONAL BANK & TRUST COMPANY PO BOX 709 LONDON, KY 40743 |
* | $ 698,088,000 | 6 | $ 1,280,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 5 | $ 315,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 5 | $ 695,000 |
| NEW AMERICAN FUNDING, LLC 14511 MYFORD ROAD, SUITE 100 DOVER, DE 92780 |
* | $ -1,000 | 5 | $ 455,000 |
| LOWER, LLC 5950 SYMPHONY WOODS DRIVE LUTHERVILLE, MD 21044 |
* | $ -1,000 | 5 | $ 545,000 |
| GENEVA FINANCIAL, LLC 1018 E. GUADALUPE ROAD ORO VALLEY, AZ 85283 |
* | $ -1,000 | 5 | $ 455,000 |
| STOCKTON MORTGAGE CORPORATION 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 5 | $ 625,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 2,418,508,000,000 | 4 | $ 230,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,717,531,000,000 | 4 | $ 400,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 CHARLOTTE, NC 27604 |
* | $ 546,228,000,000 | 4 | $ 200,000 |
| HEARTHSIDE BANK CORPORATION 1602 CUMBERLAND AVENUE MIDDLESBORO, KY 40965 |
* | $ 496,449,000 | 4 | $ 810,000 |
| CROSSCOUNTRY MORTGAGE, LLC 6850 MILLER RD WILMINGTON, DE 44141 |
* | $ -1,000 | 4 | $ 570,000 |
| PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 3 | $ 755,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 3 | $ 315,000 |
| WHITAKER BANK PO BOX 55439 LEXINGTON, KY 40555 |
* | $ 2,018,525,000 | 3 | $ 205,000 |
| SIERRA PACIFIC MORTGAGE COMPANY, INC. 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 3 | $ 355,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 CARSON CITY, NV 92614 |
* | $ -1,000 | 3 | $ 275,000 |
| EQUITY PRIME MORTGAGE LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 485,000 |
| THE MONTICELLO BANKING COMPANY 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 1,156,139,000 | 3 | $ 1,585,000 |
| PLAINS COMMERCE BANK 220 MAIN ST SIOUX FALLS, SD 57450 |
* | $ 1,054,618,000 | 3 | $ 725,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 2 | $ 80,000 |
| PROSPERITY HOME MORTGAGE, LLC 14501 GEORGE CARTER WAY SUITE 300 GLEN ALLEN, VA 20151 |
* | $ -1,000 | 2 | $ 120,000 |
| COASTAL COMMUNITY BANK PO BOX 12220 EVERETT, WA 98206 |
* | $ 3,141,703,000 | 2 | $ 80,000 |
| MUTUAL OF OMAHA MORTGAGE, INC. 3131 CAMINO DEL RIO N 190 WILMINGTON, DE 92108 |
* | $ -1,000 | 2 | $ 310,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 2 | $ 230,000 |
| GOPRIME MORTGAGE, INC. 320 N SALEM STREET RALEIGH, NC 27502 |
* | $ -1,000 | 2 | $ 270,000 |
| CSL FINANCIAL, LLC 500 OFFICE PARK DRIVE, SUITE 310 MONTGOMERY, AL 35223 |
* | $ -1,000 | 2 | $ 190,000 |
| LENDAGE, LLC 1875 S GRANT ST SAN MATEO, CA 84402 |
* | $ -1,000 | 2 | $ 60,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 400,000 |
| MEMBERS HERITAGE CREDIT UNION 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 509,066,000 | 2 | $ 140,000 |
| NORTHPOINTE BANK 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,401,730,000 | 2 | $ 180,000 |
| THIRD FEDERAL SAVINGS AND LOAN ASSOCIATION OF CLEVELAND 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 16,117,865,000 | 2 | $ 60,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A WILMINGTON, DE 92806 |
* | $ -1,000 | 2 | $ 400,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ -1,000 | 1 | $ 165,000 |
| UNITED CUMBERLAND BANK 47 S. MAIN STREET WHITLEY CITY, KY 42653 |
* | $ 375,602,000 | 1 | $ 185,000 |
| ZILLOW HOME LOANS, LLC 10975 EL MONTE ST WICHITA, KS 66211 |
* | $ -1,000 | 1 | $ 115,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE MCLEAN, VA 22102 |
* | $ 35,526,360,000 | 1 | $ 165,000 |
| STAR USA FEDERAL CREDIT UNION ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 170,957,000 | 1 | $ 85,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 1 | $ 205,000 |
| FLAGSTAR BANK, N.A. 5151 CORPORATE DRIVE HICKSVILLE, NY 48098 |
* | $ 90,036,656,000 | 1 | $ 245,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ -1,000 | 1 | $ 145,000 |
| REPUBLIC BANK & TRUST COMPANY 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 5,825,549,000 | 1 | $ 55,000 |
| RUOFF MORTGAGE COMPANY, INC. 1700 MAGNAVOX WAY SUITE 220 INDIANAPOLIS, IN 46804 |
* | $ -1,000 | 1 | $ 35,000 |
| THRIVE MORTGAGE, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 1 | $ 95,000 |
| BETHPAGE FEDERAL CREDIT UNION 899 SOUTH OYSTER BAY ROAD BETHPAGE, NY 11714 |
* | $ 11,943,023,000 | 1 | $ 55,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ -1,000 | 1 | $ 95,000 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC MORTGAGE SOLUTIONS OF COLORADO LITTLETON, CO 80918 |
* | $ -1,000 | 1 | $ 125,000 |
| LIBERTY HOME MORTGAGE CORPORATION 4401 ROCKSIDE RD 310 STRONGSVILLE, OH 44131 |
* | $ -1,000 | 1 | $ 115,000 |
| LENDSURE MORTGAGE CORP. 16959 BERNARDO CENTER DR, #102 WILMINGTON, DE 92128 |
* | $ -1,000 | 1 | $ 145,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ -1,000 | 1 | $ 85,000 |
| RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 WILMINGTON, DE 11747 |
* | $ -1,000 | 1 | $ 105,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 105,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 110,900,000,000 | 1 | $ 255,000 |
| THE COMMERCIAL BANK OF GRAYSON 208 E MAIN ST GRAYSON, KY 41143 |
* | $ 212,590,000 | 1 | $ 55,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ -1,000 | 1 | $ 65,000 |
| PEOPLES BANK PO BOX 7 MENDENHALL, MS 39114 |
* | $ 467,010,000 | 1 | $ 385,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SACRAMENTO, CA 94583 |
* | $ -1,000 | 1 | $ 385,000 |
| REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 1 | $ 65,000 |
| UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 145,000 |
| AMERICAN PACIFIC MORTGAGE CORPORATION 3000 LAVA RIDGE COURT, SUITE 200 SACRAMENTO, CA 95661 |
* | $ -1,000 | 1 | $ 235,000 |
| ARMED FORCES BANK, NATIONAL ASSOCIATION 1111 MAIN ST SUITE 1600 KANSAS CITY, MO 64105 |
* | $ 1,208,483,000 | 1 | $ 155,000 |
| NUMARK CREDIT UNION 1654 TERRY DR; P O BOX 2729 JOLIET, IL 60434 |
* | $ 632,992,000 | 1 | $ 185,000 |
| SOFI BANK, NATIONAL ASSOCIATION 2750 E COTTONWOOD PKWY STE 300 COTTONWOOD HEIGHTS, UT 84121 |
* | $ 9,123,708,000 | 1 | $ 335,000 |
| UNIVERSITY OF KENTUCKY 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 1,409,134,000 | 1 | $ 65,000 |
| FIFTH THIRD BANK, NATIONAL ASSOCIATION 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 55,000 |
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 Knox County KY in 2023
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 | 673 | $85,145,000 | $126,000 | $1,165,000 | $65,000 | $810,000 |
| Refinancing | 79 | $6,705,000 | $84,000 | $425,000 | $80,000 | $332,000 |
| Cash-out Refinancing | 73 | $8,995,000 | $123,000 | $345,000 | $71,000 | $198,000 |
| Home Improvement | 58 | $3,880,000 | $66,000 | $255,000 | $86,000 | $257,000 |
| Other Purpose | 47 | $3,465,000 | $73,000 | $265,000 | $77,000 | $274,000 |
| Not Applicable | 2 | $160,000 | $80,000 | $155,000 | $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 | 819 | $91,735,000 | $112,000 | $465,000 | $69,000 | $810,000 |
| Not applicable | 43 | $8,005,000 | $186,000 | $1,165,000 | $0 | $0 |
| Not Provided | 40 | $4,850,000 | $121,000 | $335,000 | $68,000 | $209,000 |
| Hispanic | 14 | $1,470,000 | $105,000 | $295,000 | $56,000 | $89,000 |
| American Indian or Alaskan Native | 9 | $1,055,000 | $117,000 | $225,000 | $59,000 | $148,000 |
| Asian | 4 | $740,000 | $185,000 | $255,000 | $53,000 | $64,000 |
| Black or African American | 3 | $495,000 | $165,000 | $185,000 | $53,000 | $93,000 |
| 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) | 768 | $80,560,000 | $104,000 | $1,165,000 | $68,000 | $810,000 |
| FHA-insured (Federal Housing Administration) | 91 | $14,195,000 | $155,000 | $385,000 | $62,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 43 | $8,995,000 | $209,000 | $385,000 | $106,000 | $735,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,600,000 | $153,000 | $355,000 | $54,000 | $97,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 353 | $35,515,000 | $100,000 | $355,000 | $57,000 | $810,000 |
| Loan Originated | 302 | $39,800,000 | $131,000 | $1,165,000 | $86,000 | $451,000 |
| File Closed For Incompleteness | 121 | $11,735,000 | $96,000 | $235,000 | $58,000 | $301,000 |
| Application Withdrawn By Applicant | 81 | $10,955,000 | $135,000 | $425,000 | $74,000 | $735,000 |
| Application Approved But Not Accepted | 39 | $4,635,000 | $118,000 | $325,000 | $66,000 | $143,000 |
| Loan Purchased By The Institution | 36 | $5,710,000 | $158,000 | $465,000 | $27,000 | $36,000 |
| 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 | 550 | $67,770,000 | $123,000 | $465,000 | $75,000 | $735,000 |
| Credit History | 223 | $21,625,000 | $96,000 | $265,000 | $59,000 | $810,000 |
| Debt-To-Income Ratio | 89 | $11,685,000 | $131,000 | $1,165,000 | $56,000 | $249,000 |
| Unverifiable Information | 34 | $3,240,000 | $95,000 | $235,000 | $70,000 | $456,000 |
| Collateral | 18 | $1,920,000 | $106,000 | $205,000 | $73,000 | $198,000 |
| Other | 8 | $1,050,000 | $131,000 | $205,000 | $74,000 | $156,000 |
| Credit Application Incomplete | 5 | $275,000 | $55,000 | $145,000 | $61,000 | $96,000 |
| Employment History | 5 | $785,000 | $157,000 | $355,000 | $37,000 | $111,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 Kentucky, and search similar information back through 2003.