Umb Bank, National Association
Mortgage Loan Application
Totals and Details
for 2015
Find mortgage loan statistics, lending data, and loan application totals for Missouri.
The mortgage statistics and data below are specific to mortgage loan applications for Umb Bank, National Association.
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 | Umb Bank, National Association 1010 Grand Blvd Kansas City, MO 64106 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,160 |
| Total Mortgage Loan Application Amount | $569,069,000 |
| Average Mortgage Loan Application Amount | $207,333 |
| Highest Mortgage Loan Application Amount | $35,360,000 |
| Average Applicant Income | $117,333 |
| 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 MO, 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 |
|---|---|---|---|---|
| Jackson County Missouri | 235 | $ 32,575,000 | $ 138,000 | $ 92,000 |
| Johnson County Kansas | 137 | $ 35,330,000 | $ 257,000 | $ 171,000 |
| St. Louis County Missouri | 76 | $ 43,332,000 | $ 570,000 | $ 117,000 |
| Clay County Missouri | 68 | $ 9,403,000 | $ 138,000 | $ 92,000 |
| Denver County Colorado | 54 | $ 20,817,000 | $ 385,000 | $ 453,000 |
| Maricopa County Arizona | 51 | $ 21,540,000 | $ 422,000 | $ 538,000 |
| El Paso County Colorado | 40 | $ 6,426,000 | $ 160,000 | $ 100,000 |
| Buchanan County Missouri | 40 | $ 5,029,000 | $ 125,000 | $ 72,000 |
| St. Charles County Missouri | 33 | $ 5,244,000 | $ 158,000 | $ 72,000 |
| Jasper County Missouri | 32 | $ 3,813,000 | $ 119,000 | $ 70,000 |
| Greene County Missouri | 31 | $ 6,456,000 | $ 208,000 | $ 146,000 |
| Bourbon County Kansas | 30 | $ 2,100,000 | $ 70,000 | $ 48,000 |
| Jefferson County Missouri | 30 | $ 3,345,000 | $ 111,000 | $ 101,000 |
| Sedgwick County Kansas | 29 | $ 4,563,000 | $ 157,000 | $ 98,000 |
| Dallas County Texas | 29 | $ 14,082,000 | $ 485,000 | $ 55,000 |
| Benton County Missouri | 27 | $ 2,497,000 | $ 92,000 | $ 64,000 |
| Boone County Missouri | 27 | $ 8,304,000 | $ 307,000 | $ 102,000 |
| Platte County Missouri | 25 | $ 20,373,000 | $ 814,000 | $ 192,000 |
| Cass County Missouri | 24 | $ 5,189,000 | $ 216,000 | $ 120,000 |
| Wyandotte County Kansas | 22 | $ 2,113,000 | $ 96,000 | $ 64,000 |
| Saline County Kansas | 20 | $ 2,180,000 | $ 109,000 | $ 61,000 |
| Tarrant County Texas | 20 | $ 30,366,000 | $ 1,518,000 | $ 91,000 |
| Riley County Kansas | 18 | $ 2,523,000 | $ 140,000 | $ 138,000 |
| Shawnee County Kansas | 18 | $ 2,013,000 | $ 111,000 | $ 62,000 |
| Russell County Kansas | 17 | $ 944,000 | $ 55,000 | $ 43,000 |
| Arapahoe County Colorado | 16 | $ 7,645,000 | $ 477,000 | $ 214,000 |
| Barry County Missouri | 16 | $ 1,656,000 | $ 103,000 | $ 77,000 |
| Johnson County Missouri | 16 | $ 2,964,000 | $ 185,000 | $ 208,000 |
| Oklahoma County Oklahoma | 16 | $ 3,198,000 | $ 199,000 | $ 115,000 |
| Dickinson County Kansas | 15 | $ 1,692,000 | $ 112,000 | $ 56,000 |
| Cooper County Missouri | 15 | $ 1,330,000 | $ 88,000 | $ 61,000 |
| Lawrence County Missouri | 14 | $ 945,000 | $ 67,000 | $ 53,000 |
| Jefferson County Colorado | 13 | $ 2,975,000 | $ 228,000 | $ 146,000 |
| St. Louis City County Missouri | 13 | $ 2,976,000 | $ 228,000 | $ 72,000 |
| Madison County Illinois | 12 | $ 1,085,000 | $ 90,000 | $ 82,000 |
| Atchison County Kansas | 12 | $ 1,215,000 | $ 101,000 | $ 54,000 |
| St. Clair County Illinois | 11 | $ 562,000 | $ 51,000 | $ 76,000 |
| Henry County Missouri | 11 | $ 1,117,000 | $ 101,000 | $ 43,000 |
| Linn County Missouri | 11 | $ 1,025,000 | $ 93,000 | $ 60,000 |
| Denton County Texas | 9 | $ 1,473,000 | $ 163,000 | $ 34,000 |
| Miami County Kansas | 8 | $ 4,512,000 | $ 564,000 | $ 66,000 |
| Christian County Missouri | 8 | $ 1,475,000 | $ 184,000 | $ 168,000 |
| Adams County Colorado | 7 | $ 1,687,000 | $ 241,000 | $ 456,000 |
| Boulder County Colorado | 7 | $ 5,817,000 | $ 831,000 | $ 386,000 |
| Newton County Missouri | 6 | $ 1,322,000 | $ 220,000 | $ 138,000 |
| Cleveland County Oklahoma | 6 | $ 36,702,000 | $ 6,117,000 | $ 161,000 |
| Eagle County Colorado | 5 | $ 3,974,000 | $ 794,000 | $ 103,000 |
| Andrew County Missouri | 5 | $ 526,000 | $ 105,000 | $ 52,000 |
| Camden County Missouri | 5 | $ 1,121,000 | $ 224,000 | $ 362,000 |
| Clinton County Missouri | 5 | $ 640,000 | $ 128,000 | $ 62,000 |
| Cole County Missouri | 5 | $ 610,000 | $ 122,000 | $ 49,000 |
| Sullivan County Missouri | 5 | $ 604,000 | $ 120,000 | $ 46,000 |
| Los Angeles County California | 4 | $ 2,293,000 | $ 573,000 | $ 586,000 |
| Douglas County Colorado | 4 | $ 1,187,000 | $ 296,000 | $ 1,980,000 |
| Pottawatomie County Kansas | 4 | $ 804,000 | $ 201,000 | $ 95,000 |
| Vernon County Missouri | 4 | $ 577,000 | $ 144,000 | $ 91,000 |
| Sarpy County Nebraska | 4 | $ 461,000 | $ 115,000 | $ 122,000 |
| Pima County Arizona | 3 | $ 581,000 | $ 193,000 | $ 42,000 |
| Summit County Colorado | 3 | $ 938,000 | $ 312,000 | $ 127,000 |
| Manatee County Florida | 3 | $ 351,000 | $ 117,000 | $ 52,000 |
| Monroe County Florida | 3 | $ 1,849,000 | $ 616,000 | $ 295,000 |
| Cherokee County Kansas | 3 | $ 232,000 | $ 77,000 | $ 95,000 |
| Douglas County Kansas | 3 | $ 329,000 | $ 109,000 | $ 61,000 |
| DeKalb County Missouri | 3 | $ 352,000 | $ 117,000 | $ 65,000 |
| Morgan County Missouri | 3 | $ 457,000 | $ 152,000 | $ 91,000 |
| Stone County Missouri | 3 | $ 441,000 | $ 147,000 | $ 123,000 |
| Tulsa County Oklahoma | 3 | $ 414,000 | $ 138,000 | $ 124,000 |
| Greenville County South Carolina | 3 | $ 681,000 | $ 227,000 | $ 63,000 |
| Parker County Texas | 3 | $ 814,000 | $ 271,000 | $ 273,000 |
| Pinal County Arizona | 2 | $ 1,550,000 | $ 775,000 | $ 221,000 |
| San Diego County California | 2 | $ 1,775,000 | $ 887,000 | $ 831,000 |
| Grand County Colorado | 2 | $ 900,000 | $ 450,000 | $ 389,000 |
| Teller County Colorado | 2 | $ 449,000 | $ 224,000 | $ 49,000 |
| Brevard County Florida | 2 | $ 451,000 | $ 225,000 | $ 101,000 |
| Broward County Florida | 2 | $ 790,000 | $ 395,000 | $ 50,000 |
| Collier County Florida | 2 | $ 2,654,000 | $ 1,327,000 | $ 1,003,000 |
| Palm Beach County Florida | 2 | $ 2,417,000 | $ 1,208,000 | $ 214,000 |
| Sarasota County Florida | 2 | $ 700,000 | $ 350,000 | $ 208,000 |
| DuPage County Illinois | 2 | $ 626,000 | $ 313,000 | $ 92,000 |
| Clay County Kansas | 2 | $ 284,000 | $ 142,000 | $ 92,000 |
| Ellis County Kansas | 2 | $ 336,000 | $ 168,000 | $ 29,000 |
| Ellsworth County Kansas | 2 | $ 167,000 | $ 83,000 | $ 52,000 |
| Linn County Kansas | 2 | $ 122,000 | $ 61,000 | $ 92,000 |
| Osage County Kansas | 2 | $ 166,000 | $ 83,000 | $ 23,000 |
| Stafford County Kansas | 2 | $ 306,000 | $ 153,000 | $ 79,000 |
| Nodaway County Missouri | 2 | $ 268,000 | $ 134,000 | $ 34,000 |
| Pettis County Missouri | 2 | $ 8,706,000 | $ 4,353,000 | $ 30,000 |
| Ray County Missouri | 2 | $ 251,000 | $ 125,000 | $ 441,000 |
| St. Clair County Missouri | 2 | $ 241,000 | $ 120,000 | $ 34,000 |
| Douglas County Nebraska | 2 | $ 229,000 | $ 114,000 | $ 65,000 |
| Canadian County Oklahoma | 2 | $ 298,000 | $ 149,000 | $ 59,000 |
| Grady County Oklahoma | 2 | $ 425,000 | $ 212,000 | $ 100,000 |
| Payne County Oklahoma | 2 | $ 591,000 | $ 295,000 | $ 120,000 |
| Beaufort County South Carolina | 2 | $ 927,000 | $ 463,000 | $ 190,000 |
| Salt Lake County Utah | 2 | $ 582,000 | $ 291,000 | $ 182,000 |
| Gila County Arizona | 1 | $ 417,000 | $ 417,000 | $ 413,000 |
| Benton County Arkansas | 1 | $ 208,000 | $ 208,000 | $ 244,000 |
| El Dorado County California | 1 | $ 425,000 | $ 425,000 | $ 376,000 |
| Orange County California | 1 | $ 417,000 | $ 417,000 | $ 677,000 |
| San Mateo County California | 1 | $ 407,000 | $ 407,000 | $ 84,000 |
| Ventura County California | 1 | $ 220,000 | $ 220,000 | $ 71,000 |
| Broomfield County Colorado | 1 | $ 326,000 | $ 326,000 | $ 161,000 |
| Clear Creek County Colorado | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Elbert County Colorado | 1 | $ 187,000 | $ 187,000 | $ 48,000 |
| Garfield County Colorado | 1 | $ 236,000 | $ 236,000 | $ 85,000 |
| Gunnison County Colorado | 1 | $ 188,000 | $ 188,000 | $ 76,000 |
| Huerfano County Colorado | 1 | $ 56,000 | $ 56,000 | $ 28,000 |
| Larimer County Colorado | 1 | $ 217,000 | $ 217,000 | $ 307,000 |
| Las Animas County Colorado | 1 | $ 77,000 | $ 77,000 | $ 59,000 |
| Logan County Colorado | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Mesa County Colorado | 1 | $ 188,000 | $ 188,000 | $ 146,000 |
| Phillips County Colorado | 1 | $ 146,000 | $ 146,000 | $ 44,000 |
| Pitkin County Colorado | 1 | $ 223,000 | $ 223,000 | $ 92,000 |
| Pueblo County Colorado | 1 | $ 264,000 | $ 264,000 | $ 98,000 |
| Routt County Colorado | 1 | $ 415,000 | $ 415,000 | $ 159,000 |
| San Miguel County Colorado | 1 | $ 1,750,000 | $ 1,750,000 | $ 1,598,000 |
| Weld County Colorado | 1 | $ 417,000 | $ 417,000 | $ 62,000 |
| Orange County Florida | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Walton County Florida | 1 | $ 200,000 | $ 200,000 | $ 175,000 |
| Fulton County Georgia | 1 | $ 100,000 | $ 100,000 | $ 23,000 |
| Kootenai County Idaho | 1 | $ 945,000 | $ 945,000 | $ 1,413,000 |
| Cook County Illinois | 1 | $ 203,000 | $ 203,000 | $ 74,000 |
| Monroe County Illinois | 1 | $ 189,000 | $ 189,000 | $ 118,000 |
| Lake County Indiana | 1 | $ 145,000 | $ 145,000 | $ 183,000 |
| Woodbury County Iowa | 1 | $ 13,400,000 | $ 13,400,000 | $ 0 |
| Barber County Kansas | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| Butler County Kansas | 1 | $ 90,000 | $ 90,000 | $ 36,000 |
| Coffey County Kansas | 1 | $ 218,000 | $ 218,000 | $ 90,000 |
| Crawford County Kansas | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Ford County Kansas | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Franklin County Kansas | 1 | $ 56,000 | $ 56,000 | $ 28,000 |
| Geary County Kansas | 1 | $ 77,000 | $ 77,000 | $ 68,000 |
| Jefferson County Kansas | 1 | $ 143,000 | $ 143,000 | $ 54,000 |
| Marion County Kansas | 1 | $ 38,000 | $ 38,000 | $ 17,000 |
| McPherson County Kansas | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Ottawa County Kansas | 1 | $ 82,000 | $ 82,000 | $ 57,000 |
| Reno County Kansas | 1 | $ 79,000 | $ 79,000 | $ 0 |
| Rush County Kansas | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Sumner County Kansas | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Suffolk County Massachusetts | 1 | $ 300,000 | $ 300,000 | $ 68,000 |
| Ingham County Michigan | 1 | $ 280,000 | $ 280,000 | $ 114,000 |
| Hennepin County Minnesota | 1 | $ 7,000,000 | $ 7,000,000 | $ 2,129,000 |
| Adair County Missouri | 1 | $ 218,000 | $ 218,000 | $ 83,000 |
| Bates County Missouri | 1 | $ 132,000 | $ 132,000 | $ 84,000 |
| Crawford County Missouri | 1 | $ 30,000 | $ 30,000 | $ 67,000 |
| Dade County Missouri | 1 | $ 172,000 | $ 172,000 | $ 257,000 |
| Howard County Missouri | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Livingston County Missouri | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Maries County Missouri | 1 | $ 154,000 | $ 154,000 | $ 52,000 |
| McDonald County Missouri | 1 | $ 44,000 | $ 44,000 | $ 54,000 |
| Miller County Missouri | 1 | $ 800,000 | $ 800,000 | $ 793,000 |
| Montgomery County Missouri | 1 | $ 34,000 | $ 34,000 | $ 75,000 |
| Saline County Missouri | 1 | $ 48,000 | $ 48,000 | $ 55,000 |
| Ste. Genevieve County Missouri | 1 | $ 35,000 | $ 35,000 | $ 74,000 |
| Taney County Missouri | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Webster County Missouri | 1 | $ 109,000 | $ 109,000 | $ 43,000 |
| Dodge County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 141,000 |
| Madison County New York | 1 | $ 417,000 | $ 417,000 | $ 435,000 |
| Brunswick County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 50,000 |
| Carteret County North Carolina | 1 | $ 522,000 | $ 522,000 | $ 0 |
| Caddo County Oklahoma | 1 | $ 380,000 | $ 380,000 | $ 165,000 |
| Creek County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 136,000 |
| Jackson County Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 142,000 |
| Roger Mills County Oklahoma | 1 | $ 180,000 | $ 180,000 | $ 75,000 |
| Lane County Oregon | 1 | $ 304,000 | $ 304,000 | $ 154,000 |
| Montgomery County Pennsylvania | 1 | $ 417,000 | $ 417,000 | $ 305,000 |
| Washington County Rhode Island | 1 | $ 260,000 | $ 260,000 | $ 104,000 |
| Lubbock County Texas | 1 | $ 101,000 | $ 101,000 | $ 70,000 |
| Travis County Texas | 1 | $ 218,000 | $ 218,000 | $ 372,000 |
| Williamson County Texas | 1 | $ 174,000 | $ 174,000 | $ 346,000 |
| Albemarle County Virginia | 1 | $ 372,000 | $ 372,000 | $ 236,000 |
| Charlottesville County Virginia | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Snohomish County Washington | 1 | $ 400,000 | $ 400,000 | $ 0 |
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 Missouri,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Umb Bank, National Association in 2015
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 | 1,176 | $355,055,000 | $301,000 | $35,360,000 | $139,000 | $9,999,000 |
| Refinancing | 876 | $204,416,000 | $233,000 | $13,400,000 | $143,000 | $9,999,000 |
| Home Improvement | 108 | $9,598,000 | $88,000 | $1,500,000 | $70,000 | $779,000 |
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 | 1,591 | $312,410,000 | $196,000 | $7,000,000 | $151,000 | $9,999,000 |
| Not Provided | 256 | $57,931,000 | $226,000 | $8,000,000 | $151,000 | $9,999,000 |
| Not applicable | 146 | $174,150,000 | $1,192,000 | $35,360,000 | $25,000 | $3,714,000 |
| Black or African American | 65 | $7,988,000 | $122,000 | $696,000 | $91,000 | $983,000 |
| Hispanic | 60 | $7,912,000 | $131,000 | $840,000 | $46,000 | $181,000 |
| Asian | 36 | $8,084,000 | $224,000 | $1,040,000 | $121,000 | $688,000 |
| American Indian or Alaskan Native | 5 | $544,000 | $108,000 | $230,000 | $60,000 | $127,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $19,000 | $19,000 |
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) | 1,836 | $532,906,000 | $290,000 | $35,360,000 | $153,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 324 | $36,163,000 | $111,000 | $321,000 | $49,000 | $197,000 |
| 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 | 1,050 | $340,924,000 | $324,000 | $35,360,000 | $143,000 | $7,652,000 |
| Preapproval Approved but not Accepted | 404 | $79,351,000 | $196,000 | $1,800,000 | $102,000 | $2,454,000 |
| Application Denied By Financial Institution | 275 | $58,714,000 | $213,000 | $8,600,000 | $122,000 | $9,999,000 |
| Application Approved But Not Accepted | 251 | $56,165,000 | $223,000 | $2,275,000 | $176,000 | $5,576,000 |
| Preapproval Denied by Financial Institution | 164 | $30,227,000 | $184,000 | $8,000,000 | $152,000 | $9,999,000 |
| File Closed For Incompleteness | 11 | $1,961,000 | $178,000 | $393,000 | $115,000 | $550,000 |
| Application Withdrawn By Applicant | 5 | $1,727,000 | $345,000 | $680,000 | $194,000 | $442,000 |
| 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 | 209 | $34,375,000 | $164,000 | $7,000,000 | $97,000 | $3,600,000 |
| Debt-To-Income Ratio | 150 | $28,716,000 | $191,000 | $8,600,000 | $57,000 | $1,260,000 |
| Collateral | 35 | $5,843,000 | $166,000 | $700,000 | $385,000 | $9,999,000 |
| Other | 30 | $15,286,000 | $509,000 | $8,000,000 | $508,000 | $9,999,000 |
| Employment History | 5 | $910,000 | $182,000 | $417,000 | $105,000 | $300,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $3,188,000 | $637,000 | $2,780,000 | $40,000 | $71,000 |
| Credit Application Incomplete | 2 | $175,000 | $87,000 | $100,000 | $10,000 | $20,000 |
| Unverifiable Information | 1 | $260,000 | $260,000 | $260,000 | $104,000 | $104,000 |
| 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 MO, 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 Missouri, and search similar information at your convenience.