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 Primequity, Llc.
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 | Primequity, Llc 6520 Harney Road Tampa, FL 33610 Tel #: available with data download |
Federal Regulator | * available with data download |
Years | 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 1,417 |
Total Mortgage Loan Application Amount | $198,957,000 |
Average Mortgage Loan Application Amount | $139,882 |
Highest Mortgage Loan Application Amount | $788,000 |
Average Applicant Income | $77,294 |
Highest Applicant Income | $926,000 |
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 |
---|---|---|---|---|
Hillsborough County Florida | 169 | $ 19,059,000 | $ 112,000 | $ 61,000 |
Miami-Dade County Florida | 160 | $ 22,617,000 | $ 141,000 | $ 63,000 |
Broward County Florida | 78 | $ 10,661,000 | $ 136,000 | $ 63,000 |
Davidson County Tennessee | 68 | $ 9,788,000 | $ 143,000 | $ 75,000 |
Pinellas County Florida | 52 | $ 6,039,000 | $ 116,000 | $ 63,000 |
Fairfax County Virginia | 49 | $ 11,389,000 | $ 232,000 | $ 129,000 |
Brevard County Florida | 47 | $ 4,676,000 | $ 99,000 | $ 46,000 |
Mecklenburg County North Carolina | 41 | $ 6,561,000 | $ 160,000 | $ 76,000 |
Williamson County Tennessee | 39 | $ 7,810,000 | $ 200,000 | $ 113,000 |
Orange County Florida | 31 | $ 3,465,000 | $ 111,000 | $ 57,000 |
Lee County Florida | 30 | $ 4,338,000 | $ 144,000 | $ 73,000 |
Palm Beach County Florida | 27 | $ 5,385,000 | $ 199,000 | $ 105,000 |
Rutherford County Tennessee | 26 | $ 3,278,000 | $ 126,000 | $ 59,000 |
Sumner County Tennessee | 25 | $ 3,842,000 | $ 153,000 | $ 75,000 |
Wake County North Carolina | 21 | $ 3,629,000 | $ 172,000 | $ 88,000 |
Pasco County Florida | 20 | $ 2,134,000 | $ 106,000 | $ 76,000 |
Wilson County Tennessee | 20 | $ 2,746,000 | $ 137,000 | $ 68,000 |
Collier County Florida | 19 | $ 3,759,000 | $ 197,000 | $ 111,000 |
Prince William County Virginia | 19 | $ 3,934,000 | $ 207,000 | $ 78,000 |
Virginia Beach County Virginia | 15 | $ 1,880,000 | $ 125,000 | $ 82,000 |
Duval County Florida | 13 | $ 1,037,000 | $ 79,000 | $ 45,000 |
Seminole County Florida | 13 | $ 1,306,000 | $ 100,000 | $ 49,000 |
Maury County Tennessee | 13 | $ 1,617,000 | $ 124,000 | $ 140,000 |
Loudoun County Virginia | 13 | $ 3,420,000 | $ 263,000 | $ 97,000 |
Guilford County North Carolina | 12 | $ 2,028,000 | $ 169,000 | $ 111,000 |
Osceola County Florida | 11 | $ 999,000 | $ 90,000 | $ 47,000 |
St. Lucie County Florida | 11 | $ 1,499,000 | $ 136,000 | $ 52,000 |
Arlington County Virginia | 11 | $ 2,155,000 | $ 195,000 | $ 85,000 |
Durham County North Carolina | 10 | $ 1,299,000 | $ 129,000 | $ 73,000 |
Lake County Florida | 9 | $ 791,000 | $ 87,000 | $ 38,000 |
Shelby County Tennessee | 9 | $ 754,000 | $ 83,000 | $ 50,000 |
Portsmouth County Virginia | 9 | $ 841,000 | $ 93,000 | $ 75,000 |
Hernando County Florida | 8 | $ 736,000 | $ 92,000 | $ 60,000 |
Sarasota County Florida | 8 | $ 1,634,000 | $ 204,000 | $ 106,000 |
Henrico County Virginia | 7 | $ 939,000 | $ 134,000 | $ 64,000 |
Charlotte County Florida | 6 | $ 535,000 | $ 89,000 | $ 62,000 |
Martin County Florida | 6 | $ 790,000 | $ 131,000 | $ 52,000 |
Polk County Florida | 6 | $ 408,000 | $ 68,000 | $ 36,000 |
York County South Carolina | 6 | $ 762,000 | $ 127,000 | $ 63,000 |
Robertson County Tennessee | 6 | $ 638,000 | $ 106,000 | $ 54,000 |
Norfolk County Virginia | 6 | $ 565,000 | $ 94,000 | $ 61,000 |
Indian River County Florida | 5 | $ 524,000 | $ 104,000 | $ 76,000 |
Manatee County Florida | 5 | $ 457,000 | $ 91,000 | $ 55,000 |
Volusia County Florida | 5 | $ 593,000 | $ 118,000 | $ 61,000 |
Gaston County North Carolina | 5 | $ 600,000 | $ 120,000 | $ 67,000 |
Alexandria County Virginia | 5 | $ 770,000 | $ 154,000 | $ 81,000 |
Richmond City County Virginia | 5 | $ 527,000 | $ 105,000 | $ 33,000 |
Escambia County Florida | 4 | $ 234,000 | $ 58,000 | $ 32,000 |
Santa Rosa County Florida | 4 | $ 753,000 | $ 188,000 | $ 102,000 |
Union County North Carolina | 4 | $ 661,000 | $ 165,000 | $ 61,000 |
Pickens County South Carolina | 4 | $ 610,000 | $ 152,000 | $ 61,000 |
Chesapeake County Virginia | 4 | $ 521,000 | $ 130,000 | $ 48,000 |
Hanover County Virginia | 4 | $ 849,000 | $ 212,000 | $ 128,000 |
Manassas Park County Virginia | 4 | $ 709,000 | $ 177,000 | $ 127,000 |
Alachua County Florida | 3 | $ 386,000 | $ 128,000 | $ 105,000 |
Clay County Florida | 3 | $ 264,000 | $ 88,000 | $ 47,000 |
Nassau County Florida | 3 | $ 252,000 | $ 84,000 | $ 66,000 |
Burke County North Carolina | 3 | $ 132,000 | $ 44,000 | $ 24,000 |
Cabarrus County North Carolina | 3 | $ 283,000 | $ 94,000 | $ 44,000 |
Dare County North Carolina | 3 | $ 1,455,000 | $ 485,000 | $ 218,000 |
Forsyth County North Carolina | 3 | $ 372,000 | $ 124,000 | $ 54,000 |
New Hanover County North Carolina | 3 | $ 447,000 | $ 149,000 | $ 111,000 |
Charleston County South Carolina | 3 | $ 478,000 | $ 159,000 | $ 90,000 |
Dorchester County South Carolina | 3 | $ 511,000 | $ 170,000 | $ 190,000 |
Greenville County South Carolina | 3 | $ 375,000 | $ 125,000 | $ 49,000 |
Lexington County South Carolina | 3 | $ 390,000 | $ 130,000 | $ 61,000 |
Richland County South Carolina | 3 | $ 335,000 | $ 111,000 | $ 100,000 |
Spartanburg County South Carolina | 3 | $ 265,000 | $ 88,000 | $ 52,000 |
Dickson County Tennessee | 3 | $ 240,000 | $ 80,000 | $ 57,000 |
Putnam County Tennessee | 3 | $ 427,000 | $ 142,000 | $ 105,000 |
Accomack County Virginia | 3 | $ 284,000 | $ 94,000 | $ 62,000 |
Albemarle County Virginia | 3 | $ 639,000 | $ 213,000 | $ 112,000 |
Chesterfield County Virginia | 3 | $ 486,000 | $ 162,000 | $ 98,000 |
Frederick County Virginia | 3 | $ 432,000 | $ 144,000 | $ 119,000 |
Spotsylvania County Virginia | 3 | $ 618,000 | $ 206,000 | $ 97,000 |
Marion County Florida | 2 | $ 97,000 | $ 48,000 | $ 21,000 |
Monroe County Florida | 2 | $ 251,000 | $ 125,000 | $ 59,000 |
St. Johns County Florida | 2 | $ 132,000 | $ 66,000 | $ 23,000 |
Brunswick County North Carolina | 2 | $ 402,000 | $ 201,000 | $ 117,000 |
Buncombe County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 87,000 |
Carteret County North Carolina | 2 | $ 92,000 | $ 46,000 | $ 50,000 |
Cleveland County North Carolina | 2 | $ 362,000 | $ 181,000 | $ 72,000 |
Cumberland County North Carolina | 2 | $ 318,000 | $ 159,000 | $ 73,000 |
Davidson County North Carolina | 2 | $ 221,000 | $ 110,000 | $ 75,000 |
Nash County North Carolina | 2 | $ 168,000 | $ 84,000 | $ 46,000 |
Orange County North Carolina | 2 | $ 571,000 | $ 285,000 | $ 168,000 |
Pitt County North Carolina | 2 | $ 167,000 | $ 83,000 | $ 31,000 |
Randolph County North Carolina | 2 | $ 314,000 | $ 157,000 | $ 57,000 |
Watauga County North Carolina | 2 | $ 342,000 | $ 171,000 | $ 96,000 |
Wayne County North Carolina | 2 | $ 100,000 | $ 50,000 | $ 34,000 |
Berkeley County South Carolina | 2 | $ 235,000 | $ 117,000 | $ 32,000 |
Cheatham County Tennessee | 2 | $ 234,000 | $ 117,000 | $ 61,000 |
Coffee County Tennessee | 2 | $ 284,000 | $ 142,000 | $ 84,000 |
Giles County Tennessee | 2 | $ 122,000 | $ 61,000 | $ 31,000 |
Marshall County Tennessee | 2 | $ 168,000 | $ 84,000 | $ 72,000 |
Warren County Tennessee | 2 | $ 322,000 | $ 161,000 | $ 105,000 |
Falls Church County Virginia | 2 | $ 612,000 | $ 306,000 | $ 166,000 |
Fauquier County Virginia | 2 | $ 394,000 | $ 197,000 | $ 140,000 |
Franklin County Virginia | 2 | $ 640,000 | $ 320,000 | $ 250,000 |
Greene County Virginia | 2 | $ 358,000 | $ 179,000 | $ 63,000 |
King George County Virginia | 2 | $ 359,000 | $ 179,000 | $ 87,000 |
Newport News County Virginia | 2 | $ 155,000 | $ 77,000 | $ 133,000 |
Northampton County Virginia | 2 | $ 325,000 | $ 162,000 | $ 49,000 |
Roanoke City County Virginia | 2 | $ 98,000 | $ 49,000 | $ 34,000 |
York County Virginia | 2 | $ 233,000 | $ 116,000 | $ 62,000 |
Adams County Colorado | 1 | $ 202,000 | $ 202,000 | $ 66,000 |
Boulder County Colorado | 1 | $ 200,000 | $ 200,000 | $ 216,000 |
Jefferson County Colorado | 1 | $ 131,000 | $ 131,000 | $ 80,000 |
Otero County Colorado | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
Park County Colorado | 1 | $ 142,000 | $ 142,000 | $ 31,000 |
Bay County Florida | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
Columbia County Florida | 1 | $ 41,000 | $ 41,000 | $ 29,000 |
Gadsden County Florida | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
Leon County Florida | 1 | $ 67,000 | $ 67,000 | $ 65,000 |
Okeechobee County Florida | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
Sumter County Florida | 1 | $ 98,000 | $ 98,000 | $ 36,000 |
Bleckley County Georgia | 1 | $ 51,000 | $ 51,000 | $ 78,000 |
Cherokee County Georgia | 1 | $ 138,000 | $ 138,000 | $ 145,000 |
Cobb County Georgia | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
Elkhart County Indiana | 1 | $ 196,000 | $ 196,000 | $ 91,000 |
Porter County Indiana | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
Vanderburgh County Indiana | 1 | $ 53,000 | $ 53,000 | $ 34,000 |
Beaufort County North Carolina | 1 | $ 79,000 | $ 79,000 | $ 131,000 |
Caswell County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 52,000 |
Catawba County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 31,000 |
Columbus County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 46,000 |
Franklin County North Carolina | 1 | $ 261,000 | $ 261,000 | $ 107,000 |
Harnett County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 70,000 |
Iredell County North Carolina | 1 | $ 224,000 | $ 224,000 | $ 124,000 |
McDowell County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 68,000 |
Moore County North Carolina | 1 | $ 397,000 | $ 397,000 | $ 250,000 |
Richmond County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 32,000 |
Rowan County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 47,000 |
Sampson County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
Stanly County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
Surry County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 100,000 |
Aiken County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
Anderson County South Carolina | 1 | $ 176,000 | $ 176,000 | $ 60,000 |
Beaufort County South Carolina | 1 | $ 320,000 | $ 320,000 | $ 118,000 |
Chester County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
Georgetown County South Carolina | 1 | $ 62,000 | $ 62,000 | $ 137,000 |
Horry County South Carolina | 1 | $ 101,000 | $ 101,000 | $ 40,000 |
Lancaster County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
Laurens County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
McCormick County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 184,000 |
Newberry County South Carolina | 1 | $ 46,000 | $ 46,000 | $ 31,000 |
Oconee County South Carolina | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
Bedford County Tennessee | 1 | $ 260,000 | $ 260,000 | $ 85,000 |
Bradley County Tennessee | 1 | $ 49,000 | $ 49,000 | $ 28,000 |
Cannon County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
Fentress County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 55,000 |
Greene County Tennessee | 1 | $ 72,000 | $ 72,000 | $ 43,000 |
Hamilton County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 96,000 |
Hardeman County Tennessee | 1 | $ 199,000 | $ 199,000 | $ 53,000 |
Hickman County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 55,000 |
Jackson County Tennessee | 1 | $ 79,000 | $ 79,000 | $ 42,000 |
Knox County Tennessee | 1 | $ 157,000 | $ 157,000 | $ 87,000 |
Lincoln County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 26,000 |
Loudon County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
McNairy County Tennessee | 1 | $ 69,000 | $ 69,000 | $ 46,000 |
Montgomery County Tennessee | 1 | $ 84,000 | $ 84,000 | $ 39,000 |
Sevier County Tennessee | 1 | $ 24,000 | $ 24,000 | $ 86,000 |
Stewart County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 70,000 |
Tipton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
White County Tennessee | 1 | $ 144,000 | $ 144,000 | $ 0 |
Augusta County Virginia | 1 | $ 220,000 | $ 220,000 | $ 75,000 |
Bristol County Virginia | 1 | $ 238,000 | $ 238,000 | $ 50,000 |
Colonial Heights County Virginia | 1 | $ 36,000 | $ 36,000 | $ 99,000 |
Fairfax City County Virginia | 1 | $ 198,000 | $ 198,000 | $ 73,000 |
Gloucester County Virginia | 1 | $ 203,000 | $ 203,000 | $ 88,000 |
Halifax County Virginia | 1 | $ 77,000 | $ 77,000 | $ 50,000 |
Hampton County Virginia | 1 | $ 57,000 | $ 57,000 | $ 38,000 |
Isle of Wight County Virginia | 1 | $ 264,000 | $ 264,000 | $ 79,000 |
James City County Virginia | 1 | $ 351,000 | $ 351,000 | $ 170,000 |
Lancaster County Virginia | 1 | $ 460,000 | $ 460,000 | $ 85,000 |
Louisa County Virginia | 1 | $ 160,000 | $ 160,000 | $ 49,000 |
Montgomery County Virginia | 1 | $ 91,000 | $ 91,000 | $ 70,000 |
Nottoway County Virginia | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
Pittsylvania County Virginia | 1 | $ 229,000 | $ 229,000 | $ 75,000 |
Powhatan County Virginia | 1 | $ 160,000 | $ 160,000 | $ 100,000 |
Prince George County Virginia | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
Roanoke County Virginia | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
Stafford County Virginia | 1 | $ 265,000 | $ 265,000 | $ 117,000 |
Warren County Virginia | 1 | $ 89,000 | $ 89,000 | $ 33,000 |
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 |
---|---|---|---|---|---|---|
Refinancing (home purchase or home improvement, one-to-four family) | 960 | $138,656,000 | $150,875 | $788,000 | $81,250 | $926,000 |
Home Purchase (one-to-four family) | 456 | $60,211,000 | $135,125 | $656,000 | $77,250 | $840,000 |
Home Improvement (one-to-four family) | 1 | $90,000 | $90,000 | $90,000 | $46,000 | $46,000 |
Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 897 | $131,854,000 | $139,555 | $788,000 | $78,000 | $926,000 |
Hispanic | 257 | $34,276,000 | $150,666 | $656,000 | $69,333 | $300,000 |
Black | 112 | $12,692,000 | $111,800 | $351,000 | $53,400 | $170,000 |
Information not provided by applicant in mail or telephone application | 79 | $8,576,000 | $123,200 | $286,000 | $55,400 | $150,000 |
Asian or Pacific Islander | 44 | $6,985,000 | $148,600 | $336,000 | $79,000 | $246,000 |
Other | 26 | $4,329,000 | $221,000 | $422,000 | $98,333 | $337,000 |
American Indian or Alaskan Native | 2 | $245,000 | $122,000 | $155,000 | $87,000 | $90,000 |
Not applicable | 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) | 1,414 | $198,497,000 | $137,222 | $788,000 | $73,444 | $926,000 |
VA-guaranteed (Veterans Administration) | 2 | $310,000 | $155,000 | $190,000 | $52,500 | $71,000 |
FHA-insured (Federal Housing Administration) | 1 | $150,000 | $150,000 | $150,000 | $66,000 | $66,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 664 | $93,420,000 | $153,285 | $646,000 | $97,857 | $699,000 |
Application Withdrawn By Applicant | 657 | $94,440,000 | $135,333 | $788,000 | $67,222 | $926,000 |
Application Denied By Financial Institution | 95 | $11,051,000 | $116,833 | $600,000 | $61,666 | $200,000 |
Application Approved But Not Accepted | 1 | $46,000 | $46,000 | $46,000 | $29,000 | $29,000 |
File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Purchased By The 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 | 48 | $5,885,000 | $118,200 | $600,000 | $51,000 | $125,000 |
Collateral | 17 | $1,821,000 | $98,500 | $301,000 | $78,500 | $183,000 |
Other | 11 | $1,253,000 | $119,800 | $259,000 | $84,200 | $200,000 |
Debt-To-Income Ratio | 6 | $798,000 | $124,750 | $207,000 | $38,250 | $119,000 |
Insufficient Cash (Downpayment, Closing Cost) | 3 | $256,000 | $85,333 | $114,000 | $35,666 | $60,000 |
Unverifiable Information | 2 | $119,000 | $59,000 | $78,000 | $35,000 | $42,000 |
Credit Application Incomplete | 1 | $156,000 | $156,000 | $156,000 | $98,000 | $98,000 |
Employment History | 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.