Find mortgage loan statistics, lending data, and loan application totals for Florida.
The mortgage statistics and data below are specific to mortgage loan applications for Cbc National Bank.
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2022.
Mortgage Company & Address | Cbc National Bank 1891 South 14Th Street Fernandina Beach, FL 32034 Tel #: available with data download |
Federal Regulator | * available with data download |
Years | 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 |
Total Number of Mortgage Applications | 2,079 |
Total Mortgage Loan Application Amount | $482,239,000 |
Average Mortgage Loan Application Amount | $173,333 |
Highest Mortgage Loan Application Amount | $1,807,000 |
Average Applicant Income | $122,000 |
Highest Applicant Income | $6,200,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in FL, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
Fulton County Georgia | 395 | $ 106,098,000 | $ 268,000 | $ 159,000 |
DeKalb County Georgia | 242 | $ 55,816,000 | $ 230,000 | $ 112,000 |
Cobb County Georgia | 236 | $ 54,259,000 | $ 229,000 | $ 127,000 |
Gwinnett County Georgia | 193 | $ 39,305,000 | $ 203,000 | $ 91,000 |
Forsyth County Georgia | 127 | $ 32,989,000 | $ 259,000 | $ 114,000 |
Cherokee County Georgia | 116 | $ 26,737,000 | $ 230,000 | $ 102,000 |
Mecklenburg County North Carolina | 52 | $ 11,234,000 | $ 216,000 | $ 116,000 |
Nassau County Florida | 37 | $ 10,634,000 | $ 287,000 | $ 124,000 |
Hall County Georgia | 37 | $ 9,844,000 | $ 266,000 | $ 146,000 |
Jackson County Georgia | 22 | $ 3,517,000 | $ 159,000 | $ 91,000 |
Paulding County Georgia | 22 | $ 4,114,000 | $ 187,000 | $ 82,000 |
Effingham County Georgia | 19 | $ 3,752,000 | $ 197,000 | $ 82,000 |
Dawson County Georgia | 18 | $ 3,559,000 | $ 197,000 | $ 85,000 |
Clarke County Georgia | 17 | $ 2,298,000 | $ 135,000 | $ 54,000 |
Walton County Georgia | 17 | $ 3,698,000 | $ 217,000 | $ 93,000 |
Henry County Georgia | 16 | $ 2,868,000 | $ 179,000 | $ 85,000 |
Douglas County Georgia | 15 | $ 2,556,000 | $ 170,000 | $ 108,000 |
Barrow County Georgia | 14 | $ 2,108,000 | $ 150,000 | $ 65,000 |
Fayette County Georgia | 14 | $ 3,674,000 | $ 262,000 | $ 272,000 |
Bartow County Georgia | 13 | $ 2,044,000 | $ 157,000 | $ 73,000 |
Duval County Florida | 12 | $ 2,703,000 | $ 225,000 | $ 106,000 |
Chatham County Georgia | 12 | $ 3,302,000 | $ 275,000 | $ 164,000 |
Coweta County Georgia | 12 | $ 2,308,000 | $ 192,000 | $ 155,000 |
Muscogee County Georgia | 12 | $ 1,799,000 | $ 149,000 | $ 84,000 |
Oconee County Georgia | 12 | $ 2,414,000 | $ 201,000 | $ 112,000 |
Travis County Texas | 12 | $ 3,303,000 | $ 275,000 | $ 172,000 |
Newton County Georgia | 11 | $ 1,509,000 | $ 137,000 | $ 52,000 |
Horry County South Carolina | 11 | $ 2,617,000 | $ 237,000 | $ 183,000 |
Davidson County Tennessee | 11 | $ 2,605,000 | $ 236,000 | $ 118,000 |
Glynn County Georgia | 10 | $ 2,936,000 | $ 293,000 | $ 107,000 |
York County South Carolina | 10 | $ 2,835,000 | $ 283,000 | $ 85,000 |
Bibb County Georgia | 9 | $ 1,992,000 | $ 221,000 | $ 127,000 |
Clayton County Georgia | 9 | $ 1,260,000 | $ 140,000 | $ 49,000 |
Lumpkin County Georgia | 9 | $ 1,662,000 | $ 184,000 | $ 104,000 |
Madison County Georgia | 9 | $ 1,262,000 | $ 140,000 | $ 46,000 |
Fannin County Georgia | 8 | $ 2,262,000 | $ 282,000 | $ 135,000 |
Spartanburg County South Carolina | 7 | $ 1,016,000 | $ 145,000 | $ 62,000 |
Greene County Georgia | 6 | $ 1,333,000 | $ 222,000 | $ 441,000 |
Putnam County Georgia | 6 | $ 1,812,000 | $ 302,000 | $ 146,000 |
Rockdale County Georgia | 6 | $ 904,000 | $ 150,000 | $ 43,000 |
Hamilton County Tennessee | 6 | $ 1,168,000 | $ 194,000 | $ 90,000 |
Banks County Georgia | 5 | $ 785,000 | $ 157,000 | $ 66,000 |
Gilmer County Georgia | 5 | $ 1,115,000 | $ 223,000 | $ 174,000 |
Pickens County Georgia | 5 | $ 833,000 | $ 166,000 | $ 84,000 |
Cabarrus County North Carolina | 5 | $ 1,066,000 | $ 213,000 | $ 67,000 |
Iredell County North Carolina | 5 | $ 885,000 | $ 177,000 | $ 66,000 |
Wake County North Carolina | 5 | $ 1,583,000 | $ 316,000 | $ 97,000 |
McMinn County Tennessee | 5 | $ 597,000 | $ 119,000 | $ 46,000 |
Broward County Florida | 4 | $ 789,000 | $ 197,000 | $ 74,000 |
Hillsborough County Florida | 4 | $ 1,087,000 | $ 271,000 | $ 96,000 |
St. Johns County Florida | 4 | $ 1,056,000 | $ 264,000 | $ 109,000 |
Morgan County Georgia | 4 | $ 502,000 | $ 125,000 | $ 49,000 |
Richmond County Georgia | 4 | $ 511,000 | $ 127,000 | $ 97,000 |
Gaston County North Carolina | 4 | $ 845,000 | $ 211,000 | $ 60,000 |
Oconee County South Carolina | 4 | $ 1,492,000 | $ 373,000 | $ 328,000 |
Baldwin County Alabama | 3 | $ 672,000 | $ 224,000 | $ 126,000 |
Clay County Florida | 3 | $ 741,000 | $ 247,000 | $ 95,000 |
Palm Beach County Florida | 3 | $ 1,044,000 | $ 348,000 | $ 2,037,000 |
Baldwin County Georgia | 3 | $ 807,000 | $ 269,000 | $ 113,000 |
Bulloch County Georgia | 3 | $ 976,000 | $ 325,000 | $ 343,000 |
Carroll County Georgia | 3 | $ 475,000 | $ 158,000 | $ 58,000 |
Columbia County Georgia | 3 | $ 625,000 | $ 208,000 | $ 133,000 |
Habersham County Georgia | 3 | $ 1,262,000 | $ 420,000 | $ 149,000 |
Hart County Georgia | 3 | $ 596,000 | $ 198,000 | $ 86,000 |
Oglethorpe County Georgia | 3 | $ 523,000 | $ 174,000 | $ 71,000 |
Polk County Georgia | 3 | $ 286,000 | $ 95,000 | $ 50,000 |
Troup County Georgia | 3 | $ 751,000 | $ 250,000 | $ 132,000 |
Jackson County North Carolina | 3 | $ 1,922,000 | $ 640,000 | $ 3,383,000 |
Union County North Carolina | 3 | $ 884,000 | $ 294,000 | $ 130,000 |
Lancaster County South Carolina | 3 | $ 596,000 | $ 198,000 | $ 49,000 |
Richland County South Carolina | 3 | $ 460,000 | $ 153,000 | $ 142,000 |
Jefferson County Alabama | 2 | $ 331,000 | $ 165,000 | $ 31,000 |
Marshall County Alabama | 2 | $ 492,000 | $ 246,000 | $ 66,000 |
Russell County Alabama | 2 | $ 183,000 | $ 91,000 | $ 42,000 |
Shelby County Alabama | 2 | $ 497,000 | $ 248,000 | $ 82,000 |
Maricopa County Arizona | 2 | $ 543,000 | $ 271,000 | $ 119,000 |
Douglas County Colorado | 2 | $ 662,000 | $ 331,000 | $ 88,000 |
Alachua County Florida | 2 | $ 245,000 | $ 122,000 | $ 92,000 |
Collier County Florida | 2 | $ 597,000 | $ 298,000 | $ 162,000 |
Lake County Florida | 2 | $ 260,000 | $ 130,000 | $ 237,000 |
Orange County Florida | 2 | $ 736,000 | $ 368,000 | $ 180,000 |
Volusia County Florida | 2 | $ 240,000 | $ 120,000 | $ 59,000 |
Walton County Florida | 2 | $ 766,000 | $ 383,000 | $ 345,000 |
Coffee County Georgia | 2 | $ 305,000 | $ 152,000 | $ 50,000 |
Elbert County Georgia | 2 | $ 220,000 | $ 110,000 | $ 56,000 |
Harris County Georgia | 2 | $ 173,000 | $ 86,000 | $ 152,000 |
Houston County Georgia | 2 | $ 486,000 | $ 243,000 | $ 95,000 |
Lee County Georgia | 2 | $ 491,000 | $ 245,000 | $ 112,000 |
Liberty County Georgia | 2 | $ 340,000 | $ 170,000 | $ 58,000 |
Monroe County Georgia | 2 | $ 384,000 | $ 192,000 | $ 77,000 |
Murray County Georgia | 2 | $ 525,000 | $ 262,000 | $ 122,000 |
Rabun County Georgia | 2 | $ 382,000 | $ 191,000 | $ 228,000 |
Spalding County Georgia | 2 | $ 529,000 | $ 264,000 | $ 84,000 |
Stephens County Georgia | 2 | $ 144,000 | $ 72,000 | $ 53,000 |
White County Georgia | 2 | $ 572,000 | $ 286,000 | $ 130,000 |
Whitfield County Georgia | 2 | $ 211,000 | $ 105,000 | $ 50,000 |
Middlesex County Massachusetts | 2 | $ 700,000 | $ 350,000 | $ 117,000 |
Buncombe County North Carolina | 2 | $ 513,000 | $ 256,000 | $ 59,000 |
Durham County North Carolina | 2 | $ 415,000 | $ 207,000 | $ 88,000 |
Granville County North Carolina | 2 | $ 406,000 | $ 203,000 | $ 57,000 |
New Hanover County North Carolina | 2 | $ 516,000 | $ 258,000 | $ 95,000 |
Rowan County North Carolina | 2 | $ 355,000 | $ 177,000 | $ 84,000 |
Greenville County South Carolina | 2 | $ 336,000 | $ 168,000 | $ 50,000 |
Pickens County South Carolina | 2 | $ 571,000 | $ 285,000 | $ 107,000 |
Colbert County Alabama | 1 | $ 117,000 | $ 117,000 | $ 54,000 |
DeKalb County Alabama | 1 | $ 254,000 | $ 254,000 | $ 71,000 |
Elmore County Alabama | 1 | $ 174,000 | $ 174,000 | $ 50,000 |
Geneva County Alabama | 1 | $ 124,000 | $ 124,000 | $ 48,000 |
Houston County Alabama | 1 | $ 222,000 | $ 222,000 | $ 48,000 |
Madison County Alabama | 1 | $ 133,000 | $ 133,000 | $ 68,000 |
Mobile County Alabama | 1 | $ 168,000 | $ 168,000 | $ 60,000 |
Montgomery County Alabama | 1 | $ 320,000 | $ 320,000 | $ 138,000 |
Randolph County Alabama | 1 | $ 224,000 | $ 224,000 | $ 127,000 |
Talladega County Alabama | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
Tallapoosa County Alabama | 1 | $ 255,000 | $ 255,000 | $ 98,000 |
New Haven County Connecticut | 1 | $ 159,000 | $ 159,000 | $ 47,000 |
Bay County Florida | 1 | $ 417,000 | $ 417,000 | $ 2,092,000 |
Citrus County Florida | 1 | $ 380,000 | $ 380,000 | $ 219,000 |
Escambia County Florida | 1 | $ 372,000 | $ 372,000 | $ 143,000 |
Flagler County Florida | 1 | $ 330,000 | $ 330,000 | $ 54,000 |
Gadsden County Florida | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
Gulf County Florida | 1 | $ 318,000 | $ 318,000 | $ 124,000 |
Hernando County Florida | 1 | $ 200,000 | $ 200,000 | $ 67,000 |
Indian River County Florida | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
Lee County Florida | 1 | $ 350,000 | $ 350,000 | $ 102,000 |
Okaloosa County Florida | 1 | $ 765,000 | $ 765,000 | $ 2,062,000 |
Osceola County Florida | 1 | $ 156,000 | $ 156,000 | $ 49,000 |
Putnam County Florida | 1 | $ 320,000 | $ 320,000 | $ 188,000 |
Santa Rosa County Florida | 1 | $ 129,000 | $ 129,000 | $ 78,000 |
Seminole County Florida | 1 | $ 242,000 | $ 242,000 | $ 37,000 |
St. Lucie County Florida | 1 | $ 218,000 | $ 218,000 | $ 58,000 |
Bacon County Georgia | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
Bryan County Georgia | 1 | $ 1,040,000 | $ 1,040,000 | $ 525,000 |
Butts County Georgia | 1 | $ 121,000 | $ 121,000 | $ 38,000 |
Dougherty County Georgia | 1 | $ 394,000 | $ 394,000 | $ 122,000 |
Floyd County Georgia | 1 | $ 121,000 | $ 121,000 | $ 37,000 |
Franklin County Georgia | 1 | $ 129,000 | $ 129,000 | $ 60,000 |
Grady County Georgia | 1 | $ 270,000 | $ 270,000 | $ 48,000 |
Haralson County Georgia | 1 | $ 78,000 | $ 78,000 | $ 33,000 |
Lamar County Georgia | 1 | $ 69,000 | $ 69,000 | $ 65,000 |
Peach County Georgia | 1 | $ 152,000 | $ 152,000 | $ 68,000 |
Pike County Georgia | 1 | $ 204,000 | $ 204,000 | $ 290,000 |
Thomas County Georgia | 1 | $ 150,000 | $ 150,000 | $ 60,000 |
Tift County Georgia | 1 | $ 417,000 | $ 417,000 | $ 212,000 |
Towns County Georgia | 1 | $ 156,000 | $ 156,000 | $ 96,000 |
Union County Georgia | 1 | $ 140,000 | $ 140,000 | $ 184,000 |
Ada County Idaho | 1 | $ 322,000 | $ 322,000 | $ 70,000 |
St. Joseph County Indiana | 1 | $ 99,000 | $ 99,000 | $ 146,000 |
McCracken County Kentucky | 1 | $ 180,000 | $ 180,000 | $ 37,000 |
Plymouth County Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 480,000 |
Worcester County Massachusetts | 1 | $ 139,000 | $ 139,000 | $ 101,000 |
Dakota County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 116,000 |
Burke County North Carolina | 1 | $ 151,000 | $ 151,000 | $ 82,000 |
Catawba County North Carolina | 1 | $ 117,000 | $ 117,000 | $ 90,000 |
Craven County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 55,000 |
Cumberland County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
Currituck County North Carolina | 1 | $ 189,000 | $ 189,000 | $ 26,000 |
Davie County North Carolina | 1 | $ 179,000 | $ 179,000 | $ 55,000 |
Forsyth County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 50,000 |
Guilford County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
Johnston County North Carolina | 1 | $ 181,000 | $ 181,000 | $ 127,000 |
Lenoir County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 54,000 |
Lincoln County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 97,000 |
Macon County North Carolina | 1 | $ 786,000 | $ 786,000 | $ 265,000 |
Orange County North Carolina | 1 | $ 401,000 | $ 401,000 | $ 180,000 |
Pender County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
Transylvania County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 120,000 |
Chester County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 185,000 |
Anderson County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
Beaufort County South Carolina | 1 | $ 260,000 | $ 260,000 | $ 209,000 |
Charleston County South Carolina | 1 | $ 386,000 | $ 386,000 | $ 120,000 |
Darlington County South Carolina | 1 | $ 216,000 | $ 216,000 | $ 450,000 |
Lexington County South Carolina | 1 | $ 123,000 | $ 123,000 | $ 0 |
Loudon County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 48,000 |
Marshall County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 161,000 |
Robertson County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 67,000 |
Smith County Tennessee | 1 | $ 250,000 | $ 250,000 | $ 78,000 |
Wilson County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 35,000 |
Tarrant County Texas | 1 | $ 279,000 | $ 279,000 | $ 75,000 |
Utah County Utah | 1 | $ 154,000 | $ 154,000 | $ 60,000 |
Chittenden County Vermont | 1 | $ 244,000 | $ 244,000 | $ 163,000 |
Amherst County Virginia | 1 | $ 179,000 | $ 179,000 | $ 56,000 |
Prince William County Virginia | 1 | $ 93,000 | $ 93,000 | $ 64,000 |
Oneida County Wisconsin | 1 | $ 140,000 | $ 140,000 | $ 51,000 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of Florida,
and search the same numbers and information back through 2003.
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 | 1,141 | $257,841,000 | $225,000 | $1,500,000 | $127,000 | $6,200,000 |
Refinancing | 936 | $224,285,000 | $239,000 | $1,807,000 | $132,000 | $5,730,000 |
Home Improvement | 2 | $113,000 | $56,000 | $62,000 | $107,000 | $181,000 |
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 | 1,590 | $380,928,000 | $239,000 | $1,807,000 | $134,000 | $6,200,000 |
Black or African American | 182 | $35,855,000 | $197,000 | $417,000 | $106,000 | $1,981,000 |
Not Provided | 164 | $33,865,000 | $206,000 | $417,000 | $100,000 | $599,000 |
Hispanic | 66 | $13,972,000 | $211,000 | $644,000 | $180,000 | $5,730,000 |
Asian | 64 | $14,462,000 | $225,000 | $590,000 | $104,000 | $340,000 |
American Indian or Alaskan Native | 7 | $1,260,000 | $180,000 | $392,000 | $131,000 | $348,000 |
Native Hawaiian or Other Pacific Islander | 5 | $1,357,000 | $271,000 | $361,000 | $159,000 | $228,000 |
Not applicable | 1 | $540,000 | $540,000 | $540,000 | $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) | 1,962 | $461,181,000 | $235,000 | $1,807,000 | $133,000 | $6,200,000 |
FHA-insured (Federal Housing Administration) | 117 | $21,058,000 | $179,000 | $350,000 | $64,000 | $192,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
VA-guaranteed (Veterans Administration) | 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 | 1,946 | $450,528,000 | $231,000 | $1,807,000 | $128,000 | $6,200,000 |
Application Approved But Not Accepted | 125 | $29,995,000 | $239,000 | $1,040,000 | $143,000 | $1,156,000 |
Application Denied By Financial Institution | 8 | $1,716,000 | $214,000 | $555,000 | $108,000 | $312,000 |
Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
---|---|---|---|---|---|---|
Debt-To-Income Ratio | 3 | $384,000 | $128,000 | $200,000 | $58,000 | $120,000 |
Collateral | 2 | $824,000 | $412,000 | $555,000 | $109,000 | $135,000 |
Other | 2 | $384,000 | $192,000 | $198,000 | $222,000 | $312,000 |
Credit History | 1 | $124,000 | $124,000 | $124,000 | $31,000 | $31,000 |
Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in FL, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in Florida, and search similar information at your convenience.