Find mortgage loan statistics, lending data, and loan application totals for Alabama.
The mortgage statistics and data below are specific to mortgage loan applications for Bbva Usa.
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 | Bbva Usa 15 South 20Th Street Birmingham, AL 35233 Tel #: available with data download |
Federal Regulator | * available with data download |
Years | 2021 2010 2009 2008 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 11,024 |
Total Mortgage Loan Application Amount | $2,091,199,000 |
Average Mortgage Loan Application Amount | $174,000 |
Highest Mortgage Loan Application Amount | $29,900,000 |
Average Applicant Income | $132,333 |
Highest Applicant Income | $9,999,000 |
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 AL, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
---|---|---|---|---|
HOUSTON-SUGAR LAND-BAYTOWN, TX | 1,286 | $ 206,310,000 | $ 160,000 | $ 148,000 |
BIRMINGHAM-HOOVER, AL | 876 | $ 142,615,000 | $ 162,000 | $ 111,000 |
JACKSONVILLE, FL | 811 | $ 139,979,000 | $ 172,000 | $ 89,000 |
DALLAS-PLANO-IRVING, TX | 758 | $ 136,985,000 | $ 180,000 | $ 154,000 |
SAN ANTONIO, TX | 663 | $ 141,036,000 | $ 212,000 | $ 170,000 |
PHOENIX-MESA-SCOTTSDALE, AZ | 622 | $ 151,470,000 | $ 243,000 | $ 119,000 |
DENVER-AURORA, CO | 488 | $ 71,299,000 | $ 146,000 | $ 108,000 |
FORT WORTH-ARLINGTON, TX | 468 | $ 63,782,000 | $ 136,000 | $ 119,000 |
AUSTIN-ROUND ROCK, TX | 411 | $ 78,709,000 | $ 191,000 | $ 148,000 |
MOBILE, AL | 402 | $ 45,463,000 | $ 113,000 | $ 87,000 |
HUNTSVILLE, AL | 301 | $ 56,554,000 | $ 187,000 | $ 142,000 |
TUCSON, AZ | 268 | $ 33,952,000 | $ 126,000 | $ 104,000 |
MONTGOMERY, AL | 213 | $ 40,338,000 | $ 189,000 | $ 169,000 |
TUSCALOOSA, AL | 211 | $ 37,173,000 | $ 176,000 | $ 184,000 |
ALBUQUERQUE, NM | 141 | $ 20,676,000 | $ 146,000 | $ 92,000 |
FORT WALTON BEACH-CRESTVIEW-DESTIN, FL | 132 | $ 39,745,000 | $ 301,000 | $ 237,000 |
PENSACOLA-FERRY PASS-BRENT, FL | 127 | $ 22,318,000 | $ 175,000 | $ 145,000 |
DECATUR, AL | 126 | $ 12,492,000 | $ 99,000 | $ 108,000 |
GAINESVILLE, FL | 122 | $ 30,296,000 | $ 248,000 | $ 104,000 |
COLLEGE STATION-BRYAN, TX | 121 | $ 21,605,000 | $ 178,000 | $ 124,000 |
KILLEEN-TEMPLE-FORT HOOD, TX | 97 | $ 11,803,000 | $ 121,000 | $ 92,000 |
DOTHAN, AL | 96 | $ 14,734,000 | $ 153,000 | $ 95,000 |
FLORENCE-MUSCLE SHOALS, AL | 82 | $ 10,301,000 | $ 125,000 | $ 83,000 |
ANNISTON-OXFORD, AL | 74 | $ 5,188,000 | $ 70,000 | $ 64,000 |
AUBURN-OPELIKA, AL | 74 | $ 15,974,000 | $ 215,000 | $ 148,000 |
PANAMA CITY-LYNN HAVEN, FL | 71 | $ 25,757,000 | $ 362,000 | $ 443,000 |
BOULDER, CO | 67 | $ 14,805,000 | $ 220,000 | $ 116,000 |
GADSDEN, AL | 66 | $ 7,944,000 | $ 120,000 | $ 96,000 |
TAMPA-ST. PETERSBURG-CLEARWATER, FL | 64 | $ 6,673,000 | $ 104,000 | $ 56,000 |
TALLAHASSEE, FL | 61 | $ 26,373,000 | $ 432,000 | $ 141,000 |
PRESCOTT, AZ | 53 | $ 13,913,000 | $ 262,000 | $ 90,000 |
OCALA, FL | 51 | $ 6,576,000 | $ 128,000 | $ 71,000 |
WACO, TX | 51 | $ 4,717,000 | $ 92,000 | $ 65,000 |
FLAGSTAFF, AZ | 50 | $ 21,108,000 | $ 422,000 | $ 237,000 |
GREELEY, CO | 40 | $ 6,082,000 | $ 152,000 | $ 120,000 |
FORT COLLINS-LOVELAND, CO | 37 | $ 6,367,000 | $ 172,000 | $ 133,000 |
LAKE HAVASU CITY-KINGMAN, AZ | 30 | $ 2,937,000 | $ 97,000 | $ 45,000 |
ORLANDO-KISSIMMEE, FL | 25 | $ 7,283,000 | $ 291,000 | $ 241,000 |
ATLANTA-SANDY SPRINGS-MARIETTA, GA | 24 | $ 34,259,000 | $ 1,427,000 | $ 144,000 |
COLORADO SPRINGS, CO | 22 | $ 4,740,000 | $ 215,000 | $ 112,000 |
CORPUS CHRISTI, TX | 18 | $ 3,791,000 | $ 210,000 | $ 318,000 |
LUBBOCK, TX | 18 | $ 2,668,000 | $ 148,000 | $ 104,000 |
MIAMI-MIAMI BEACH-KENDALL, FL | 10 | $ 3,668,000 | $ 366,000 | $ 911,000 |
NEW ORLEANS-METAIRIE-KENNER, LA | 9 | $ 1,968,000 | $ 218,000 | $ 105,000 |
BEAUMONT-PORT ARTHUR, TX | 8 | $ 717,000 | $ 89,000 | $ 125,000 |
COLUMBUS, OH | 7 | $ 1,830,000 | $ 261,000 | $ 122,000 |
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 7 | $ 4,872,000 | $ 696,000 | $ 618,000 |
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 7 | $ 31,514,000 | $ 4,502,000 | $ 111,000 |
SANTA FE, NM | 7 | $ 3,363,000 | $ 480,000 | $ 700,000 |
WARREN-TROY-FARMINGTON HILLS, MI | 7 | $ 948,000 | $ 135,000 | $ 75,000 |
LOS ANGELES-LONG BEACH-GLENDALE, CA | 6 | $ 2,925,000 | $ 487,000 | $ 258,000 |
MCALLEN-EDINBURG-MISSION, TX | 6 | $ 591,000 | $ 98,000 | $ 113,000 |
ANN ARBOR, MI | 5 | $ 909,000 | $ 181,000 | $ 74,000 |
CHICAGO-NAPERVILLE-JOLIET, IL | 5 | $ 1,307,000 | $ 261,000 | $ 185,000 |
CLEVELAND-ELYRIA-MENTOR, OH | 5 | $ 803,000 | $ 160,000 | $ 77,000 |
LAS VEGAS-PARADISE, NV | 5 | $ 2,529,000 | $ 505,000 | $ 148,000 |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 5 | $ 1,177,000 | $ 261,500 | $ 157,500 |
OKLAHOMA CITY, OK | 5 | $ 653,000 | $ 130,000 | $ 73,000 |
PITTSBURGH, PA | 5 | $ 1,272,000 | $ 254,000 | $ 67,000 |
PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 5 | $ 1,720,000 | $ 344,000 | $ 127,000 |
TULSA, OK | 5 | $ 870,000 | $ 174,000 | $ 539,000 |
AKRON, OH | 4 | $ 556,000 | $ 139,000 | $ 67,000 |
CAPE CORAL-FORT MYERS, FL | 4 | $ 740,000 | $ 185,000 | $ 270,000 |
CHARLOTTE-GASTONIA-CONCORD, NC-SC | 4 | $ 1,248,000 | $ 312,000 | $ 207,000 |
CINCINNATI-MIDDLETOWN, OH-KY-IN | 4 | $ 1,081,000 | $ 270,000 | $ 104,000 |
DURHAM, NC | 4 | $ 579,000 | $ 144,000 | $ 236,000 |
JACKSON, MS | 4 | $ 802,000 | $ 200,000 | $ 84,000 |
MEMPHIS, TN-MS-AR | 4 | $ 1,321,000 | $ 470,000 | $ 190,500 |
ROCHESTER, MN | 4 | $ 699,000 | $ 174,000 | $ 136,000 |
VICTORIA, TX | 4 | $ 248,000 | $ 62,000 | $ 72,000 |
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 4 | $ 9,678,000 | $ 4,463,000 | $ 260,000 |
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 4 | $ 1,389,000 | $ 347,000 | $ 209,000 |
AUGUSTA-RICHMOND COUNTY, GA-SC | 3 | $ 515,000 | $ 170,000 | $ 45,500 |
BOSTON-QUINCY, MA | 3 | $ 966,000 | $ 322,000 | $ 83,000 |
CHATTANOOGA, TN-GA | 3 | $ 227,000 | $ 62,500 | $ 40,000 |
COLUMBUS, GA-AL | 3 | $ 172,000 | $ 70,500 | $ 52,500 |
DAYTON, OH | 3 | $ 507,000 | $ 169,000 | $ 47,000 |
GULFPORT-BILOXI, MS | 3 | $ 898,000 | $ 299,000 | $ 109,000 |
LAS CRUCES, NM | 3 | $ 936,000 | $ 312,000 | $ 94,000 |
MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 3 | $ 489,000 | $ 163,000 | $ 47,000 |
OGDEN-CLEARFIELD, UT | 3 | $ 1,347,000 | $ 449,000 | $ 115,000 |
PALM COAST, FL | 3 | $ 522,000 | $ 174,000 | $ 168,000 |
PHILADELPHIA, PA | 3 | $ 1,128,000 | $ 376,000 | $ 141,000 |
PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 3 | $ 1,084,000 | $ 361,000 | $ 150,000 |
SHERMAN-DENISON, TX | 3 | $ 370,000 | $ 123,000 | $ 108,000 |
SHREVEPORT-BOSSIER CITY, LA | 3 | $ 432,000 | $ 144,000 | $ 56,000 |
ST. LOUIS, MO-IL | 3 | $ 539,000 | $ 179,000 | $ 516,000 |
ASHEVILLE, NC | 2 | $ 326,000 | $ 163,000 | $ 62,000 |
BALTIMORE-TOWSON, MD | 2 | $ 746,000 | $ 373,000 | $ 194,000 |
BETHESDA-GAITHERSBURG-FREDERICK, MD | 2 | $ 517,000 | $ 258,000 | $ 82,000 |
BOISE CITY-NAMPA, ID | 2 | $ 327,000 | $ 163,000 | $ 39,000 |
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 2 | $ 437,000 | $ 218,000 | $ 183,000 |
GREENVILLE, NC | 2 | $ 237,000 | $ 118,000 | $ 126,000 |
JOHNSON CITY, TN | 2 | $ 280,000 | $ 140,000 | $ 34,000 |
KANSAS CITY, MO-KS | 2 | $ 340,000 | $ 170,000 | $ 45,000 |
KNOXVILLE, TN | 2 | $ 358,000 | $ 179,000 | $ 18,000 |
LAKELAND, FL | 2 | $ 788,000 | $ 394,000 | $ 125,000 |
LANSING-EAST LANSING, MI | 2 | $ 302,000 | $ 151,000 | $ 66,000 |
LONGVIEW, TX | 2 | $ 227,000 | $ 113,000 | $ 90,000 |
MADISON, WI | 2 | $ 482,000 | $ 241,000 | $ 76,000 |
RICHMOND, VA | 2 | $ 434,000 | $ 217,000 | $ 63,000 |
ROCHESTER, NY | 2 | $ 421,000 | $ 210,000 | $ 59,000 |
SALT LAKE CITY, UT | 2 | $ 662,000 | $ 331,000 | $ 423,000 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 2 | $ 1,418,000 | $ 709,000 | $ 159,000 |
SANTA ANA-ANAHEIM-IRVINE, CA | 2 | $ 4,015,000 | $ 2,007,000 | $ 1,420,000 |
SARASOTA-BRADENTON-VENICE, FL | 2 | $ 420,000 | $ 210,000 | $ 221,000 |
SAVANNAH, GA | 2 | $ 79,000 | $ 39,000 | $ 69,000 |
SPOKANE, WA | 2 | $ 442,000 | $ 221,000 | $ 243,000 |
TYLER, TX | 2 | $ 165,000 | $ 82,000 | $ 78,000 |
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 2 | $ 927,000 | $ 463,000 | $ 321,000 |
WINSTON-SALEM, NC | 2 | $ 291,000 | $ 145,000 | $ 53,000 |
ABILENE, TX | 1 | $ 90,000 | $ 90,000 | $ 0 |
ANDERSON, SC | 1 | $ 248,000 | $ 248,000 | $ 160,000 |
BATON ROUGE, LA | 1 | $ 358,000 | $ 358,000 | $ 0 |
BROWNSVILLE-HARLINGEN, TX | 1 | $ 15,000 | $ 15,000 | $ 86,000 |
BURLINGTON-SOUTH BURLINGTON, VT | 1 | $ 410,000 | $ 410,000 | $ 222,000 |
CAMDEN, NJ | 1 | $ 236,000 | $ 236,000 | $ 139,000 |
CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 228,000 | $ 228,000 | $ 93,000 |
CHARLOTTESVILLE, VA | 1 | $ 477,000 | $ 477,000 | $ 172,000 |
DES MOINES-WEST DES MOINES, IA | 1 | $ 128,000 | $ 128,000 | $ 374,000 |
DETROIT-LIVONIA-DEARBORN, MI | 1 | $ 178,000 | $ 178,000 | $ 40,000 |
EL PASO, TX | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
FARMINGTON, NM | 1 | $ 174,000 | $ 174,000 | $ 45,000 |
FLINT, MI | 1 | $ 179,000 | $ 179,000 | $ 43,000 |
GRAND JUNCTION, CO | 1 | $ 156,000 | $ 156,000 | $ 50,000 |
GREENSBORO-HIGH POINT, NC | 1 | $ 198,000 | $ 198,000 | $ 68,000 |
HANFORD-CORCORAN, CA | 1 | $ 5,000 | $ 5,000 | $ 31,000 |
HARRISBURG-CARLISLE, PA | 1 | $ 253,000 | $ 253,000 | $ 47,000 |
HATTIESBURG, MS | 1 | $ 22,000 | $ 22,000 | $ 58,000 |
HONOLULU, HI | 1 | $ 336,000 | $ 336,000 | $ 104,000 |
HUNTINGTON-ASHLAND, WV-KY-OH | 1 | $ 129,000 | $ 129,000 | $ 42,000 |
INDIANAPOLIS-CARMEL, IN | 1 | $ 67,000 | $ 67,000 | $ 18,000 |
IOWA CITY, IA | 1 | $ 130,000 | $ 130,000 | $ 43,000 |
JACKSON, MI | 1 | $ 130,000 | $ 130,000 | $ 438,000 |
LOUISVILLE-JEFFERSON COUNTY, KY-IN | 1 | $ 370,000 | $ 370,000 | $ 46,000 |
MEDFORD, OR | 1 | $ 269,000 | $ 269,000 | $ 48,000 |
MIDLAND, TX | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
NAPLES-MARCO ISLAND, FL | 1 | $ 575,000 | $ 575,000 | $ 300,000 |
NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 1 | $ 2,745,000 | $ 2,745,000 | $ 9,999,000 |
OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 258,000 | $ 258,000 | $ 44,000 |
PALM BAY-MELBOURNE-TITUSVILLE, FL | 1 | $ 580,000 | $ 580,000 | $ 133,000 |
PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 292,000 | $ 292,000 | $ 0 |
PUNTA GORDA, FL | 1 | $ 263,000 | $ 263,000 | $ 426,000 |
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1 | $ 1,598,000 | $ 1,598,000 | $ 498,000 |
SAGINAW-SAGINAW TOWNSHIP NORTH, MI | 1 | $ 65,000 | $ 65,000 | $ 100,000 |
SPRINGFIELD, MO | 1 | $ 302,000 | $ 302,000 | $ 100,000 |
SYRACUSE, NY | 1 | $ 380,000 | $ 380,000 | $ 340,000 |
VALDOSTA, GA | 1 | $ 159,000 | $ 159,000 | $ 201,000 |
WICHITA FALLS, TX | 1 | $ 57,000 | $ 57,000 | $ 59,000 |
YUMA, AZ | 1 | $ 106,000 | $ 106,000 | $ 40,000 |
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 Alabama,
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 | 4,350 | $1,099,879,000 | $252,000 | $29,900,000 | $163,000 | $9,999,000 |
Refinancing | 3,798 | $877,570,000 | $231,000 | $12,070,000 | $140,000 | $7,797,000 |
Home Improvement | 2,876 | $113,750,000 | $39,000 | $8,550,000 | $94,000 | $1,980,000 |
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 | 5,886 | $1,359,767,000 | $231,000 | $7,000,000 | $167,000 | $9,999,000 |
Not Provided | 3,199 | $339,797,000 | $106,000 | $6,000,000 | $106,000 | $9,525,000 |
Hispanic | 835 | $116,930,000 | $140,000 | $2,171,000 | $97,000 | $2,519,000 |
Black or African American | 690 | $86,265,000 | $125,000 | $3,908,000 | $85,000 | $2,916,000 |
Asian | 223 | $45,532,000 | $204,000 | $1,605,000 | $155,000 | $3,969,000 |
Not applicable | 120 | $131,045,000 | $1,092,000 | $29,900,000 | $37,000 | $2,424,000 |
American Indian or Alaskan Native | 40 | $6,266,000 | $156,000 | $1,630,000 | $141,000 | $850,000 |
Native Hawaiian or Other Pacific Islander | 31 | $5,597,000 | $180,000 | $980,000 | $122,000 | $348,000 |
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) | 10,774 | $2,055,582,000 | $190,000 | $29,900,000 | $139,000 | $9,999,000 |
FHA-insured (Federal Housing Administration) | 206 | $28,176,000 | $136,000 | $298,000 | $54,000 | $183,000 |
VA-guaranteed (Veterans Administration) | 42 | $7,398,000 | $176,000 | $391,000 | $76,000 | $489,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $43,000 | $21,000 | $33,000 | $21,000 | $43,000 |
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 | 6,304 | $1,445,846,000 | $229,000 | $12,070,000 | $161,000 | $9,999,000 |
Application Denied By Financial Institution | 2,480 | $169,183,000 | $68,000 | $2,200,000 | $78,000 | $2,916,000 |
Application Withdrawn By Applicant | 1,412 | $326,186,000 | $231,000 | $29,900,000 | $142,000 | $5,547,000 |
Application Approved But Not Accepted | 389 | $92,552,000 | $237,000 | $2,846,000 | $126,000 | $1,393,000 |
File Closed For Incompleteness | 341 | $47,904,000 | $140,000 | $1,400,000 | $128,000 | $6,145,000 |
Loan Purchased By The Institution | 98 | $9,528,000 | $97,000 | $180,000 | $44,000 | $265,000 |
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 | 1,608 | $84,642,000 | $52,000 | $1,000,000 | $74,000 | $2,916,000 |
Debt-To-Income Ratio | 508 | $44,145,000 | $86,000 | $2,200,000 | $63,000 | $983,000 |
Collateral | 200 | $15,436,000 | $77,000 | $639,000 | $106,000 | $800,000 |
Other | 114 | $13,400,000 | $117,000 | $1,350,000 | $101,000 | $1,313,000 |
Unverifiable Information | 18 | $2,820,000 | $156,000 | $1,275,000 | $89,000 | $414,000 |
Employment History | 17 | $6,611,000 | $388,000 | $1,500,000 | $309,000 | $2,519,000 |
Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,406,000 | $156,000 | $360,000 | $70,000 | $169,000 |
Mortgage Insurance Denied | 3 | $547,000 | $182,000 | $300,000 | $63,000 | $107,000 |
Credit Application Incomplete | 3 | $176,000 | $58,000 | $71,000 | $272,000 | $600,000 |
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 AL, 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 Alabama, and search similar information at your convenience.