Find mortgage statistics and lending data for the Mason County WV 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 Mason County WV, 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 | 1,312 |
Total Mortgage Loan Application Amount | $73,224,000 |
Average Mortgage Loan Application Amount | $55,000 |
Highest Mortgage Loan Application Amount | $394,000 |
Average Applicant Income | $45,000 |
Highest Applicant Income | $1,044,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
CITY NATIONAL BANK OF WEST VIRGINIA 25 GATEWATER ROAD CHARLESTON, WV 25313 |
* | $ 2,211,303,000 | 261 | $ 9,556,000 |
THE OHIO VALLEY BANK COMPANY 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 696,410,000 | 175 | $ 9,822,000 |
PEOPLES BANK, NATIONAL ASSOCIA 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 1,724,359,000 | 106 | $ 4,987,000 |
BENEFICIAL 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 87 | $ 5,844,000 |
JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 256,787,000,000 | 64 | $ 3,026,000 |
BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 67,584,376,000 | 59 | $ 3,649,000 |
VANDERBILT MORTGAGE 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 52 | $ 2,510,000 |
GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 41 | $ 2,521,000 |
COUNTRYWIDE HOME LOANS 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 97,957,619,000 | 37 | $ 2,803,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 35 | $ 2,456,000 |
HOMEOWNERS LOAN CORPORATION 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 27 | $ 1,791,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 26 | $ 1,173,000 |
UNITED BANK INC 5TH & AVERY/UNITED SQUARE PARKERSBURG, WV 26102 |
* | $ 3,647,612,000 | 21 | $ 1,009,000 |
WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 234,680,095,000 | 17 | $ 1,479,000 |
CITIFINANCIAL INC 300 ST PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 17 | $ 587,000 |
CHASE MANHATTAN BANK USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 36,578,612,000 | 14 | $ 1,012,000 |
WELLS FARGO FINL WEST VIRGINIA 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 34,311,813,000 | 14 | $ 790,000 |
CITIFINANCIAL, INC 300 ST PAUL PLACE BALTIMORE, MD 21020 |
* | $ 1,097,190,000,000 | 12 | $ 446,000 |
ABN AMRO MTG GROUP INC 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 11 | $ 981,000 |
US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 189,159,050,000 | 10 | $ 773,000 |
US BANK NORTH DAKOTA 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,319,969,000 | 10 | $ 424,000 |
THE POCA VALLEY BANK, INC. PO BOX 56 WALTON, WV 25286 |
* | $ 203,328,000 | 9 | $ 415,000 |
SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 124,453,567,000 | 8 | $ 618,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 8 | $ 580,000 |
CITIFINANCIAL MTG CO, INC 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 7 | $ 406,000 |
FIRST CAPITAL FINANCIAL SERVIC 5600 W. GRANDE MARKET DRIVE APPLETON, WI 54913 |
* | $ 10,000,000 | 7 | $ 519,000 |
WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 7 | $ 578,000 |
WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 250,474,000,000 | 7 | $ 543,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 416,000 |
AMERICAN HOME MORTGAGE CORP. 538 BROADHOLLOW RD MELVILLE, NY 11747 |
* | $ 10,000,000 | 6 | $ 454,000 |
HOMEONE CREDIT CORP. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 6 | $ 270,000 |
NATIONAL CITY BANK OF INDIANA 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 42,548,912,000 | 5 | $ 455,000 |
PUTNAM COUNTY BANK P.O. BOX 308 HURRICANE, WV 25526 |
* | $ 470,452,000 | 5 | $ 190,000 |
NEW CENTURY MORTGAGE CORPORATI 18400 VON KARMAN AVE., SUITE 1000 IRVINE, CA 92612 |
* | $ 10,000,000 | 5 | $ 444,000 |
CHASE MANHATTAN MORTGAGE CORP. 194 WOOD AVENUE SOUTH ISELIN, NJ 08830 |
* | $ 770,912,000 | 5 | $ 484,000 |
E-LOAN, INC. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 5 | $ 413,000 |
FARM CREDIT OF THE VIRGINIAS, ACA 106 SANGERS LANE STAUNTON, VA 24401 |
* | $ 1,007,892,000,000 | 5 | $ 491,000 |
WASHINGTION MUTUAL FINANCE COR 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,097,190,000,000 | 5 | $ 279,000 |
THE HUNTINGTON NATIONAL BANK 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 30,245,697,000 | 5 | $ 256,000 |
THE CIT GROUP/CONSUMER FINANCE 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 4 | $ 314,000 |
STATE FARM BANK 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 7,855,191,000 | 4 | $ 178,000 |
FIRST MAGNUS FINANCIAL CORP 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 4 | $ 332,000 |
MORTGAGE LENDERS NETWORK USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 4 | $ 422,000 |
MORTGAGE INVESTORS CORP 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 3 | $ 293,000 |
HOME LOAN CENTER 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 80,000 |
INDYMAC BANK, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 13,189,979,000 | 3 | $ 359,000 |
OAK HILL BANKS 120 TWIN OAKS DRIVE JACKSON, OH 45640 |
* | $ 992,788,000 | 3 | $ 168,000 |
ROCK BRANCH COMMUNITY BANK PO BOX 219 NITRO, WV 25143 |
* | $ 42,198,000 | 3 | $ 110,000 |
FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 3 | $ 285,000 |
DECISION ONE MORTGAGE 6060 J.A. JONES DRIVE CHARLOTTE, NC 28287 |
* | $ 10,000,000 | 3 | $ 346,000 |
ADVANTAGE BANK 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 1,024,623,000 | 3 | $ 353,000 |
WALTER MORTGAGE COMPANY 4211 W. BOY SCOUT BLVD. TAMPA, FL 33607 |
* | $ 10,000,000 | 3 | $ 270,000 |
WEST VIRGINIA FEDERAL CREDIT UNION 318 5TH AVENUE SOUTH CHARLESTON, WV 25303 |
* | $ 98,145,000 | 2 | $ 126,000 |
AIG FEDERAL SAVINGS BANK 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,223,098,000 | 2 | $ 131,000 |
AMERICAS MONEYLINE 4880 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 2 | $ 141,000 |
DELTA FUNDING CORPORATION 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 2 | $ 74,000 |
ORIGEN FINANCIAL SERVICES LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 2 | $ 97,000 |
NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 103,000 |
GEORGE MASON MORTGAGE LLC 4100 MONUMENT CORNER DRIVE #100 FAIRFAX, VA 22030 |
* | $ 630,414,000 | 2 | $ 253,000 |
GMAC BANK 4 WALNUT GROVE HORSHAM, PA 19044 |
* | $ 2,615,181,000 | 2 | $ 70,000 |
HFC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 10,000,000 | 2 | $ 97,000 |
AURORA BANK FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 14,165,872,000 | 2 | $ 69,000 |
LENDMARK FINANCIAL SERVICES 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 102,000 |
MIDFIRST BANK 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 9,078,943,000 | 2 | $ 133,000 |
LASALLE BANK MIDWEST, NA 2600 WEST BIG BEAVER ROAD TROY, MI 48084 |
* | $ 45,670,105,000 | 1 | $ 24,000 |
MORTGAGE SOUTH INC 5206 MARKEL ROAD STE 100A RICHMOND, VA 23230 |
* | $ 10,000,000 | 1 | $ 76,000 |
NATIONAL CITY BANK 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 46,276,022,000 | 1 | $ 3,000 |
HOME EQUITY OF AMERICA 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 37,150,291,000 | 1 | $ 81,000 |
NEXSTAR FINANCIAL CORPORATION 19 RESEARCH PARK COURT ST. CHARLES, MO 63304 |
* | $ 10,000,000 | 1 | $ 200,000 |
NOVASTAR HOME MORTGAGE, INC. 8140 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 10,000,000 | 1 | $ 69,000 |
NOVASTAR MORTGAGE 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 73,000 |
SCME MORTGAGE BANKERS, INC 6265 GREENWICH DRIVE, SUITE 200 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 140,000 |
SIRVA MORTGAGE, INC. 6070 PARKLAND BLVD. MAYFIELD HEIGHTS, OH 44124 |
* | $ 10,000,000 | 1 | $ 77,000 |
RATESTAR, INC. 4665 CORNELL ROAD, SUITE 200 CINCINNATI, OH 45241 |
* | $ 54,815,000 | 1 | $ 72,000 |
RBMG, INC 7215 FINANCIAL WAY JACKSONVILLE, FL 32256 |
* | $ 3,000,000,000 | 1 | $ 85,000 |
PRINCIPAL RESIDENTIAL MORTGAGE ONE COURT SQUARE, 45TH FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 10,000,000 | 1 | $ 195,000 |
PROVIDENT BANK 1900 E 9TH STREET LOCATOR 01-3013 CLEVELAND, OH 44114 |
* | $ 16,980,253,000 | 1 | $ 61,000 |
COUNTRYWIDE BANK, N.A. 35 NORTH LAKE, MS 35-148 PASADENA, CA 91101 |
* | $ 19,381,781,000 | 1 | $ 30,000 |
FIFTH THIRD BANK 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 56,682,854,000 | 1 | $ 9,000 |
FIRST NATIONAL BANK ONE CEDAR STREET RONCEVERTE, WV 24970 |
* | $ 176,995,000 | 1 | $ 58,000 |
FLAGSTAR BANK 5151 CORPORATE DR TROY, MI 48098 |
* | $ 10,551,758,000 | 1 | $ 34,000 |
FREEDOM MORTGAGE CORP. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 56,000 |
FREMONT INVESTMENT & LOAN 2727 E. IMPERIAL HIGHWAY BREA, CA 92821 |
* | $ 9,333,614,000 | 1 | $ 176,000 |
GREEN TREE SERVICING LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 86,000 |
GREENLIGHT FINANCIAL SERVICES 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 23,000 |
GREENPOINT CREDIT, LLC 10089 WILLOW CREEK SAN DIEGO, CA 92131 |
* | $ 12,500,000,000 | 1 | $ 26,000 |
AMERIQUEST MORTGAGE COMPANY 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 72,000 |
BELMONT NATL BANK C/O SKY BANK 137 CLOUGH ST. BOWLING GREEN, OH 43402 |
* | $ 296,904,000 | 1 | $ 62,000 |
ALLIED HOME MTG CAPITAL CORP 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 50,000 |
AMERICAN HOME BANK 3840 HEMPLAND ROAD MOUNTVILLE, PA 17554 |
* | $ 128,534,000 | 1 | $ 136,000 |
CITIBANK, FSB 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 24,659,500,000 | 1 | $ 60,000 |
CITICORP TRUST BANK, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,022,330,000 | 1 | $ 22,000 |
CALUSA INVESTMENTS, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 180,000 |
WESBANCO BANK, INC. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 3,432,302,000 | 1 | $ 35,000 |
WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 29,327,000,000 | 1 | $ 74,000 |
WACHOVIA MORTGAGE CORP 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 1 | $ 31,000 |
SUMMIT COMMUNITY BANK, INC PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 180,127,000 | 1 | $ 75,000 |
UNION PLANTERS BANK P.O. BOX 10247 BIRMINGHAM, AL 35202 |
* | $ 31,657,778,000 | 1 | $ 90,000 |
UNIVERSAL FEDERAL CREDIT UNION 317 31ST STREET HUNTINGTON, WV 25705 |
* | $ 46,915,000 | 1 | $ 61,000 |
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.
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 | 614 | $39,767,000 | $64,000 | $264,000 | $48,000 | $1,044,000 |
Home Purchase | 502 | $29,138,000 | $58,000 | $394,000 | $43,000 | $900,000 |
Home Improvement | 196 | $4,319,000 | $22,000 | $188,000 | $42,000 | $132,000 |
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 | 1,136 | $63,160,000 | $55,000 | $267,000 | $45,000 | $1,044,000 |
Not Provided | 103 | $6,397,000 | $62,000 | $188,000 | $45,000 | $148,000 |
Not applicable | 44 | $2,083,000 | $47,000 | $144,000 | $10,000 | $54,000 |
Hispanic | 18 | $655,000 | $36,000 | $121,000 | $40,000 | $74,000 |
American Indian or Alaskan Native | 4 | $335,000 | $83,000 | $136,000 | $42,000 | $74,000 |
Black or African American | 4 | $122,000 | $30,000 | $53,000 | $67,000 | $127,000 |
Native Hawaiian or Other Pacific Islander | 2 | $78,000 | $39,000 | $60,000 | $33,000 | $38,000 |
Asian | 1 | $394,000 | $394,000 | $394,000 | $900,000 | $900,000 |
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) | 1,268 | $70,298,000 | $55,000 | $394,000 | $47,000 | $1,044,000 |
FHA-insured (Federal Housing Administration) | 23 | $1,335,000 | $58,000 | $145,000 | $27,000 | $62,000 |
VA-guaranteed (Veterans Administration) | 14 | $1,075,000 | $76,000 | $159,000 | $10,000 | $80,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $516,000 | $73,000 | $96,000 | $36,000 | $50,000 |
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 | 569 | $31,698,000 | $55,000 | $394,000 | $54,000 | $900,000 |
Application Denied By Financial Institution | 416 | $21,209,000 | $50,000 | $206,000 | $40,000 | $1,044,000 |
Application Withdrawn By Applicant | 129 | $9,027,000 | $69,000 | $267,000 | $51,000 | $286,000 |
Application Approved But Not Accepted | 119 | $6,703,000 | $56,000 | $264,000 | $48,000 | $165,000 |
Loan Purchased By The Institution | 60 | $3,378,000 | $56,000 | $200,000 | $26,000 | $152,000 |
File Closed For Incompleteness | 19 | $1,209,000 | $63,000 | $167,000 | $43,000 | $144,000 |
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 | 184 | $8,167,000 | $44,000 | $159,000 | $38,000 | $139,000 |
Debt-To-Income Ratio | 54 | $2,663,000 | $49,000 | $200,000 | $33,000 | $156,000 |
Collateral | 45 | $3,060,000 | $68,000 | $206,000 | $44,000 | $147,000 |
Other | 33 | $1,701,000 | $51,000 | $138,000 | $33,000 | $96,000 |
Credit Application Incomplete | 25 | $1,639,000 | $65,000 | $188,000 | $62,000 | $1,044,000 |
Insufficient Cash (Downpayment, Closing Cost) | 5 | $220,000 | $44,000 | $85,000 | $28,000 | $55,000 |
Unverifiable Information | 3 | $303,000 | $101,000 | $145,000 | $32,000 | $52,000 |
Employment History | 3 | $49,000 | $16,000 | $38,000 | $43,000 | $54,000 |
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 West Virginia, and search similar information back through 2003.