Orange County VT
Mortgage Loan Application
Totals and Details
for 2015
Find mortgage statistics and lending data for the Orange County VT metro area.
With the lists below, you can explore the total number of mortgage applications and mortgage lending details for 2003-2022.
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 Orange County VT, 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 | 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 | 907 |
| Total Mortgage Loan Application Amount | $136,353,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $75,000 |
| Highest Applicant Income | $1,413,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| VERMONT STATE EMPLOYEES ONE BAILEY AVENUE MONTPELIER, VT 05602 |
* | $ 654,687,000 | 129 | $ 12,276,000 |
| NORTHFIELD SAVINGS BANK 1021 PAINE TURNPIKE NORTH BERLIN, VT 05602 |
* | $ 795,014,000 | 90 | $ 11,759,000 |
| LAKE SUNAPEE BANK 9 MAIN ST NEWPORT, NH 03773 |
* | $ 1,502,324,000 | 66 | $ 10,730,000 |
| NORTH COUNTRY PO BOX 64709 BURLINGTON, VT 05406 |
* | $ 454,735,000 | 42 | $ 4,298,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 32 | $ 5,159,000 |
| MERCHANTS BANK PO BOX 1009 BURLINGTON, VT 05402 |
* | $ 1,727,908,000 | 30 | $ 3,488,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,532,784,000,000 | 30 | $ 5,714,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 138,031,000 | 26 | $ 4,119,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 21 | $ 3,474,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH DRAPER, UT 84020 |
* | $ 10,000,000 | 21 | $ 3,023,000 |
| FBC MORTGAGE, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ 12,000,000 | 18 | $ 3,400,000 |
| TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 230,280,000,000 | 18 | $ 2,240,000 |
| DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 16 | $ 2,094,000 |
| 802 CREDIT UNION 265 SOUTH MAIN STREET BARRE, VT 05641 |
* | $ 88,002,000 | 16 | $ 1,152,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 13 | $ 1,869,000 |
| COLONIAL SAVINGS, F.A. P O BOX 2988 FORT WORTH, TX 76113 |
* | $ 1,071,910,000 | 12 | $ 1,466,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 12 | $ 2,292,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 12 | $ 6,319,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 10 | $ 1,422,000 |
| HARBORONE MORTGAGE, LLC 1045 ELM ST SUITE 601 MANCHESTER, NH 03101 |
* | $ 100,000,000 | 10 | $ 1,425,000 |
| COMMUNITY NATIONAL BANK 4811 US ROUTE 5 NEWPORT, VT 05855 |
* | $ 586,090,000 | 10 | $ 1,605,000 |
| SERVICE FEDERAL CREDIT UNION 3003 LAFAYETTE ROAD PORTSMOUTH, NH 03801 |
* | $ 2,539,043,000 | 10 | $ 826,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 9 | $ 1,406,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,356,442,000,000 | 8 | $ 4,080,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 8 | $ 780,000 |
| 1ST ALLIANCE LENDING, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 8 | $ 658,000 |
| PREMIUM MORTGAGE CORPORATION 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 7 | $ 1,154,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 7 | $ 1,203,000 |
| PEOPLE'S UNITED BANK 850 MAIN STREET BRIDGEPORT, CT 06604 |
* | $ 35,755,742,000 | 7 | $ 1,805,000 |
| PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 826,000 |
| BARRINGTON BANK & TRUST COMPANY, N.A. 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,680,579,000 | 6 | $ 774,000 |
| NEW ENGLAND FEDERAL CREDIT UNION 141 HARVEST LANE WILLISTON, VT 05495 |
* | $ 1,053,456,000 | 6 | $ 936,000 |
| ONE CREDIT UNION 380 RIVER STREET SPRINGFIELD, VT 05156 |
* | $ 132,333,000 | 5 | $ 406,000 |
| VERMONT FEDERAL CREDIT UNION PO BOX 407 BURLINGTON, VT 05401 |
* | $ 415,174,000 | 5 | $ 423,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 5 | $ 679,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 595,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 5 | $ 1,022,000 |
| NORWICH COMMERCIAL GROUP, INC. 38 SECURITY DRIVE AVON, CT 06001 |
* | $ 17,789,000 | 4 | $ 659,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 4 | $ 967,000 |
| SUNTRUST BANK P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 4 | $ 67,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 4 | $ 556,000 |
| BROKER SOLUTIONS, INC. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 4 | $ 856,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,685,931,000 | 3 | $ 453,000 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 3 | $ 554,000 |
| MORTGAGE FINANCIAL INC 170 MAIN STREET, SUITE 108 TEWKSBURY, MA 01876 |
* | $ 10,000,000 | 3 | $ 604,000 |
| DISCOVER HOME LOANS, INC 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 83,125,845,000 | 3 | $ 593,000 |
| SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,888,583,000 | 3 | $ 364,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 3 | $ 305,000 |
| UNION BANK 20 LOWER MAIN STREET PO BOX 667 MORRISVILLE, VT 05661 |
* | $ 622,949,000 | 3 | $ 628,000 |
| NORTHEAST HOME LOAN, LLC 25 MR ARTHUR DRIVE WEST CHESTERFIELD, NH 03466 |
* | $ 306,000,000 | 3 | $ 441,000 |
| SIERRA PACIFIC MORTGAGE COMPANY, INC. 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 2 | $ 298,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 182,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ 8,994,122,000 | 2 | $ 288,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 365,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ 31,000,000 | 2 | $ 223,000 |
| FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 417,000 |
| LENDUS, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ 10,000,000 | 2 | $ 424,000 |
| KITTREDGE MORTGAGE CORPORATION 123 BONNET STREET MANCHESTER, VT 05254 |
* | $ 7,088,000 | 1 | $ 169,000 |
| CBC NATIONAL BANK 1891 SOUTH 14TH STREET FERNANDINA BEACH, FL 32034 |
* | $ 421,354,000 | 1 | $ 207,000 |
| BANC OF CALIFORNIA, NATIONAL ASSOCIATION 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 5,958,502,000 | 1 | $ 195,000 |
| BENCHMARK BANK 461 BEECHER ROAD GAHANNA, OH 43230 |
* | $ 124,628,000 | 1 | $ 259,000 |
| HOMESTEAD FUNDING CORP. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 276,000 |
| DIGITAL FEDERAL CREDIT UNION 220 DONALD LYNCH BOULEVARD MARLBOROUGH, MA 01752 |
* | $ 5,967,941,000 | 1 | $ 31,000 |
| PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 447,877,000 | 1 | $ 158,000 |
| RESIDENTIAL MORTGAGE SERVICES, INC. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ 10,000,000 | 1 | $ 225,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 182,489,046,000 | 1 | $ 120,000 |
| GOLDMAN SACHS BANK USA 200 WEST STREET NEW YORK, NY 10282 |
* | $ 118,214,000,000 | 1 | $ 999,000 |
| PEOPLES TRUST COMPANY OF ST. ALBANS 25 KINGMAN STREET, PO BOX 320 ST ALBANS, VT 05478 |
* | $ 255,609,000 | 1 | $ 111,000 |
| FIRST REPUBLIC BANK 111 PINE STREET SAN FRANCISCO, CA 94111 |
* | $ 48,353,330,000 | 1 | $ 384,000 |
| AMERICAN BANK 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 395,549,000 | 1 | $ 314,000 |
| ADMIRALS BANK 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 451,471,000 | 1 | $ 19,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 160,000 |
| TIAA-CREF TRUST COMPANY FSB 211 NORTH BROADWAY, STE 1000 ST. LOUIS, MO 63102 |
* | $ 2,458,381,000 | 1 | $ 155,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 216,602,000 | 1 | $ 315,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 335,060,015,000 | 1 | $ 158,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 95,920,564,000 | 1 | $ 108,000 |
| DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 81,661,915,000 | 1 | $ 25,000 |
| GREAT PLAINS NATIONAL BANK 5909 NW EXPRESSWAY OKLAHOMA CITY, OK 73132 |
* | $ 636,758,000 | 1 | $ 164,000 |
| BANK OF NEW HAMPSHIRE 62 PLEASANT ST LACONIA, NH 03246 |
* | $ 1,209,258,000 | 1 | $ 6,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 1 | $ 259,000 |
| GUARDHILL FINANCIAL CORP. 140 EAST 45TH STREET, 31ST FLOOR NEW YORK, NY 10017 |
* | $ 9,310,000 | 1 | $ 956,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ 1,543,699,000 | 1 | $ 143,000 |
| ARC HOME LLC 2010 CORPORATE RIDGE STE 750 MCLEAN, VA 22102 |
* | $ 10,000,000 | 1 | $ 317,000 |
| LIVE WELL FINANCIAL, INC. 1011 BOULDER SPRINGS DRIVE RICHMOND, VA 23225 |
* | $ 176,870,000 | 1 | $ 263,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ 10,000,000 | 1 | $ 134,000 |
| STONEGATE MORTGAGE CORPORATION 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 284,000 |
| STEARNS LENDING, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 166,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 184,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 148,000 |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ 435,000,000 | 1 | $ 185,000 |
| CROSSCOUNTRY MORTGAGE, INC. 6850 MILLER RD BRECKSVILLE, OH 44141 |
* | $ 10,000,000 | 1 | $ 120,000 |
| CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,727,490,000 | 1 | $ 52,000 |
| SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 142,000 |
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.
Mortgage Loan Application Detail Totals for Orange County VT 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 |
|---|---|---|---|---|---|---|
| Refinancing | 471 | $75,029,000 | $159,000 | $3,000,000 | $70,000 | $1,065,000 |
| Home Purchase | 323 | $54,054,000 | $167,000 | $956,000 | $82,000 | $1,413,000 |
| Home Improvement | 113 | $7,270,000 | $64,000 | $320,000 | $78,000 | $211,000 |
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 | 725 | $104,119,000 | $143,000 | $3,000,000 | $79,000 | $1,413,000 |
| Not Provided | 111 | $19,890,000 | $179,000 | $2,500,000 | $87,000 | $334,000 |
| Not applicable | 51 | $9,694,000 | $190,000 | $1,600,000 | $6,000 | $82,000 |
| Hispanic | 12 | $1,721,000 | $143,000 | $258,000 | $66,000 | $138,000 |
| American Indian or Alaskan Native | 7 | $838,000 | $119,000 | $235,000 | $52,000 | $153,000 |
| Asian | 1 | $91,000 | $91,000 | $91,000 | $98,000 | $98,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 672 | $97,612,000 | $145,000 | $3,000,000 | $84,000 | $1,413,000 |
| FHA-insured (Federal Housing Administration) | 131 | $19,930,000 | $152,000 | $276,000 | $46,000 | $151,000 |
| VA-guaranteed (Veterans Administration) | 67 | $13,468,000 | $201,000 | $417,000 | $62,000 | $410,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $5,343,000 | $144,000 | $235,000 | $44,000 | $87,000 |
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 | 482 | $67,920,000 | $140,000 | $999,000 | $83,000 | $1,413,000 |
| Application Denied By Financial Institution | 208 | $31,567,000 | $151,000 | $2,500,000 | $66,000 | $322,000 |
| Application Withdrawn By Applicant | 98 | $15,676,000 | $159,000 | $956,000 | $87,000 | $750,000 |
| Loan Purchased By The Institution | 55 | $9,467,000 | $172,000 | $352,000 | $23,000 | $97,000 |
| Application Approved But Not Accepted | 37 | $4,491,000 | $121,000 | $417,000 | $75,000 | $223,000 |
| File Closed For Incompleteness | 27 | $7,232,000 | $267,000 | $3,000,000 | $60,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 38 | $5,038,000 | $132,000 | $346,000 | $59,000 | $211,000 |
| Collateral | 32 | $5,113,000 | $159,000 | $325,000 | $93,000 | $253,000 |
| Credit History | 27 | $2,554,000 | $94,000 | $300,000 | $55,000 | $153,000 |
| Other | 10 | $1,947,000 | $194,000 | $412,000 | $64,000 | $92,000 |
| Unverifiable Information | 9 | $3,998,000 | $444,000 | $2,500,000 | $74,000 | $173,000 |
| Credit Application Incomplete | 8 | $1,515,000 | $189,000 | $246,000 | $83,000 | $158,000 |
| Employment History | 3 | $401,000 | $133,000 | $275,000 | $83,000 | $115,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $418,000 | $139,000 | $173,000 | $40,000 | $72,000 |
| 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 Vermont, and search similar information back through 2003.