Find mortgage statistics and lending data for the Perry County MO 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 Perry County MO, 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 | 843 |
Total Mortgage Loan Application Amount | $98,225,000 |
Average Mortgage Loan Application Amount | $116,000 |
Highest Mortgage Loan Application Amount | $1,655,000 |
Average Applicant Income | $67,000 |
Highest Applicant Income | $700,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
FIRST STATE COMMUNITY BANK 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,323,185,000 | 127 | $ 13,185,000 |
THE BANK OF MISSOURI 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,387,961,000 | 108 | $ 13,760,000 |
U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 87 | $ 8,185,000 |
REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 86 | $ 7,280,000 |
FLAT BRANCH MORTGAGE, INC. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 41 | $ 4,505,000 |
TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 33 | $ 4,315,000 |
WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,747,398,000,000 | 28 | $ 3,800,000 |
DAS ACQUISITION COMPANY, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 21 | $ 3,055,000 |
GUILD MORTGAGE COMPANY 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 18 | $ 2,260,000 |
PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 17 | $ 2,025,000 |
PEOPLES BANK OF ALTENBURG 8537 MAIN ST ALTENBURG, MO 63732 |
* | $ 60,801,000 | 16 | $ 2,230,000 |
FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ -1,000 | 14 | $ 1,980,000 |
FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 16,855,693,000 | 14 | $ 1,490,000 |
ENTERPRISE BANK & TRUST 150 N. MERAMEC AVE. CLAYTON, MO 63105 |
* | $ 5,270,086,000 | 11 | $ 1,275,000 |
BUENA VISTA NATIONAL BANK 1309 SWANWICK STREET CHESTER, IL 62233 |
* | $ 217,081,000 | 9 | $ 1,145,000 |
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 8 | $ 720,000 |
DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 98,729,134,000 | 7 | $ 285,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 7 | $ 935,000 |
BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 7 | $ 605,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ -1,000 | 7 | $ 1,235,000 |
LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ -1,000 | 7 | $ 1,025,000 |
DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 6 | $ 690,000 |
MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 6 | $ 970,000 |
CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ -1,000 | 6 | $ 750,000 |
UNITED SHORE FINANCIAL SERVICES, LLC 1414 EAST MAPLE ROAD TROY, MI 48083 |
* | $ -1,000 | 6 | $ 1,130,000 |
PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 5 | $ 515,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 5 | $ 255,000 |
AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ -1,000 | 4 | $ 400,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ -1,000 | 4 | $ 470,000 |
COMMERCE BANK 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,727,667,000 | 4 | $ 200,000 |
PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 MERIDEN, CT 06540 |
* | $ -1,000 | 4 | $ 820,000 |
PEOPLES BANK & TRUST CO. 430 E. WOOD STREET TROY, MO 63379 |
* | $ 454,578,000 | 4 | $ 580,000 |
ENDEAVOR CAPITAL, LLC. 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 530,000 |
GOODLEAP, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 275,000 |
GATEWAY MORTGAGE GROUP, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 3 | $ 395,000 |
CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 355,000 |
BROKER SOLUTIONS, INC. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 625,000 |
TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 3 | $ 375,000 |
BLOOMSDALE BANK 55 MILL HILL ROAD, P. O. BOX 100 BLOOMSDALE, MO 63627 |
* | $ 221,159,000 | 2 | $ 90,000 |
COMMUNITY MORTGAGE BANC CORPORATION 301 N MAIN CHATHAM, IL 62629 |
* | $ -1,000 | 2 | $ 350,000 |
TOP FLITE FINANCIAL, INC. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 2 | $ 350,000 |
BANTERRA BANK 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,566,554,000 | 2 | $ 840,000 |
VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY HENDERSON, NV 89052 |
* | $ -1,000 | 2 | $ 150,000 |
CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 2 | $ 390,000 |
NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 2 | $ 450,000 |
MONTGOMERY BANK P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 904,966,000 | 2 | $ 180,000 |
PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 30,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 150,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 300,000 |
THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 220,000 |
CORNERSTONE MORTGAGE, INC. 17280 NORTH OUTER 40 RD. CHESTERFIELD, MO 63005 |
* | $ -1,000 | 2 | $ 240,000 |
VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 2 | $ 230,000 |
BUSEY BANK 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 7,112,397,000 | 2 | $ 1,790,000 |
WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 CHARLOTTE, NC 28210 |
* | $ -1,000 | 2 | $ 390,000 |
SCOTT CREDIT UNION 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,115,637,000 | 1 | $ 205,000 |
PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 95,000 |
DELMAR FINANCIAL COMPANY 1066 EXECUTIVE PARKWAY SUITE 100 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 115,000 |
ALLIED FIRST BANK,SB 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,722,000 | 1 | $ 215,000 |
CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 1 | $ 75,000 |
CENTRAL NATIONAL BANK 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 933,081,000 | 1 | $ 155,000 |
UNICO BANK 400 N STATE ST DESLOGE, MO 63601 |
* | $ 282,129,000 | 1 | $ 155,000 |
STATE FARM BANK, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 1 | $ 75,000 |
MAGNOLIA BANK 794 OLD ELIZABETHTOWN RD HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 1 | $ 65,000 |
ALLTRU FEDERAL CREDIT UNION 1232 WENTZVILLE PARKWAY WENTZVILLE, MO 63385 |
* | $ 250,086,000 | 1 | $ 155,000 |
ALLIANCE BANK 217 N KINGSHIGHWAY, PO BOX 1458 CAPE GIRARDEAU, MO 63701 |
* | $ 211,460,000 | 1 | $ 95,000 |
FORBRIGHT BANK 6701 DEMOCRACY BLVD, SUITE 400 BETHESDA, MD 20817 |
* | $ 955,028,000 | 1 | $ 115,000 |
SUPERIOR CHOICE 1320 GRAND AVENUE SUPERIOR, WI 54880 |
* | $ 413,653,000 | 1 | $ 75,000 |
ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 1 | $ 125,000 |
FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 245,000 |
FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 HORSHAM, PA 19044 |
* | $ -1,000 | 1 | $ 65,000 |
CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 2,934,629,000 | 1 | $ 135,000 |
MIDWEST BANKCENTRE 2191 LEMAY FERRY ROAD ST. LOUIS, MO 63125 |
* | $ 1,876,110,000 | 1 | $ 35,000 |
WOOD & HUSTON BANK 27 E. NORTH STREET MARSHALL, MO 65340 |
* | $ 703,721,000 | 1 | $ 35,000 |
FIRST BANK 600 JAMES MCDONNELL BLVD HAZELWOOD, MO 63042 |
* | $ 6,122,853,000 | 1 | $ 45,000 |
GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 285,000 |
ONE REVERSE MORTGAGE, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 65,000 |
CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,384,707,000,000 | 1 | $ 385,000 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 95,000 |
TEXAS CAPITAL BANK, NATIONAL ASSOCIATION 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 25,054,739,000 | 1 | $ 105,000 |
HOWARD BANK 6011 UNIVERSITY BLVD #370 ELLICOTT CITY, MD 21043 |
* | $ 1,150,216,000 | 1 | $ 55,000 |
TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 135,000 |
SOUTHERN BANK 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 1,768,439,000 | 1 | $ 275,000 |
ARVEST BANK 201 W WALNUT ROGERS, AR 72756 |
* | $ 16,758,528,000 | 1 | $ 25,000 |
OCWEN LOAN SERVICING, LLC 1661 WORTHINGTION ROAD SUITE 100 WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 95,000 |
HOMEWARD RESIDENTIAL, INC. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 95,000 |
AMERICAN PACIFIC MORTGAGE CORPORATION 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 95,000 |
MICHIGAN MUTUAL, INC. 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ -1,000 | 1 | $ 135,000 |
MISSOURI CREDIT UNION 111 E. BROADWAY COLUMBIA, MO 65203 |
* | $ 323,439,000 | 1 | $ 165,000 |
MB FINANCIAL BANK, NATIONAL ASSOCIATION 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 20,030,342,000 | 1 | $ 195,000 |
FIRST COMMUNITY 17151 CHESTERFIELD AIRPORT RD CHESTERFIELD, MO 63005 |
* | $ 2,382,690,000 | 1 | $ 75,000 |
UMB BANK, NATIONAL ASSOCIATION 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 21,557,938,000 | 1 | $ 25,000 |
NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ -1,000 | 1 | $ 165,000 |
OZARKS FEDERAL SAVINGS AND LOAN ASSOCIATION 2 E. COLUMBIA ST. FARMINGTON, MO 63640 |
* | $ 238,366,000 | 1 | $ 55,000 |
AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 65,000 |
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 |
---|---|---|---|---|---|---|
Home Purchase | 417 | $53,055,000 | $127,000 | $465,000 | $67,000 | $700,000 |
Refinancing | 161 | $19,615,000 | $121,000 | $1,655,000 | $65,000 | $256,000 |
Cash-out Refinancing | 128 | $16,630,000 | $129,000 | $395,000 | $62,000 | $193,000 |
Other Purpose | 69 | $4,135,000 | $59,000 | $195,000 | $72,000 | $226,000 |
Home Improvement | 55 | $3,655,000 | $66,000 | $205,000 | $77,000 | $361,000 |
Not Applicable | 13 | $1,135,000 | $87,000 | $135,000 | $69,000 | $69,000 |
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 | 699 | $79,835,000 | $114,000 | $465,000 | $67,000 | $700,000 |
Not applicable | 101 | $13,475,000 | $133,000 | $1,655,000 | $71,000 | $139,000 |
Not Provided | 26 | $2,900,000 | $111,000 | $285,000 | $73,000 | $254,000 |
Hispanic | 12 | $1,190,000 | $99,000 | $225,000 | $49,000 | $94,000 |
American Indian or Alaskan Native | 2 | $440,000 | $220,000 | $285,000 | $61,000 | $75,000 |
Asian | 2 | $280,000 | $140,000 | $155,000 | $67,000 | $67,000 |
Black or African American | 1 | $105,000 | $105,000 | $105,000 | $43,000 | $43,000 |
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) | 600 | $68,260,000 | $113,000 | $1,655,000 | $72,000 | $406,000 |
FHA-insured (Federal Housing Administration) | 97 | $11,635,000 | $119,000 | $285,000 | $66,000 | $700,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $11,015,000 | $115,000 | $205,000 | $42,000 | $100,000 |
VA-guaranteed (Veterans Administration) | 51 | $7,315,000 | $143,000 | $285,000 | $51,000 | $115,000 |
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 | 431 | $50,775,000 | $117,000 | $1,655,000 | $70,000 | $406,000 |
Application Denied By Financial Institution | 157 | $15,035,000 | $95,000 | $285,000 | $58,000 | $311,000 |
Loan Purchased By The Institution | 115 | $15,185,000 | $132,000 | $385,000 | $63,000 | $139,000 |
Application Withdrawn By Applicant | 101 | $12,285,000 | $121,000 | $275,000 | $65,000 | $354,000 |
File Closed For Incompleteness | 22 | $2,740,000 | $124,000 | $285,000 | $85,000 | $700,000 |
Application Approved But Not Accepted | 17 | $2,205,000 | $129,000 | $385,000 | $92,000 | $406,000 |
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 |
---|---|---|---|---|---|---|
Not applicable | 678 | $81,580,000 | $120,000 | $1,655,000 | $69,000 | $700,000 |
Credit History | 64 | $5,430,000 | $84,000 | $225,000 | $68,000 | $241,000 |
Debt-To-Income Ratio | 57 | $7,175,000 | $125,000 | $455,000 | $56,000 | $406,000 |
Collateral | 14 | $1,010,000 | $72,000 | $195,000 | $61,000 | $144,000 |
Credit Application Incomplete | 14 | $1,540,000 | $110,000 | $225,000 | $73,000 | $193,000 |
Other | 8 | $580,000 | $72,000 | $165,000 | $69,000 | $311,000 |
Unverifiable Information | 4 | $460,000 | $115,000 | $225,000 | $36,000 | $95,000 |
Employment History | 2 | $250,000 | $125,000 | $135,000 | $61,000 | $72,000 |
Insufficient Cash (Downpayment, Closing Cost) | 2 | $200,000 | $100,000 | $125,000 | $41,000 | $45,000 |
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 Missouri, and search similar information back through 2003.