Find mortgage statistics and lending data for the Scott County TN 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 Scott County TN, 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 | 835 |
Total Mortgage Loan Application Amount | $75,305,000 |
Average Mortgage Loan Application Amount | $90,000 |
Highest Mortgage Loan Application Amount | $542,000 |
Average Applicant Income | $48,000 |
Highest Applicant Income | $746,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
UNITED CUMBERLAND BANK 47 S. MAIN STREET WHITLEY CITY, KY 42653 |
* | $ 278,071,000 | 122 | $ 7,198,000 |
THE FIRST NATIONAL BANK OF ONEIDA P.O. BOX 950 HELENWOOD, TN 37755 |
* | $ 205,314,000 | 122 | $ 7,928,000 |
VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 88 | $ 6,205,000 |
LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 138,031,000 | 46 | $ 5,742,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 32 | $ 1,703,000 |
ORNL FEDERAL CREDIT UNION 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ 1,728,961,000 | 31 | $ 1,998,000 |
CITIZENS FIRST BANK PO BOX 1189 WARTBURG, TN 37887 |
* | $ 157,609,000 | 23 | $ 2,096,000 |
MORTGAGE INVESTORS GROUP, INC. 8320 E. WALKER SPRINGS LANE KNOXVILLE, TN 37923 |
* | $ 10,000,000 | 23 | $ 2,888,000 |
WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,610,580,000,000 | 18 | $ 2,413,000 |
FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 17 | $ 1,846,000 |
PEOPLES BANK OF THE SOUTH 106 WEST CENTRAL AVENUE LAFOLLETTE, TN 37766 |
* | $ 138,378,000 | 16 | $ 1,042,000 |
PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 15 | $ 1,898,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 14 | $ 1,747,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 14 | $ 1,442,000 |
FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 14 | $ 1,783,000 |
GUARANTY TRUST COMPANY 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 9 | $ 1,234,000 |
RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 9 | $ 1,030,000 |
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 8 | $ 879,000 |
KNOXVILLE TVA EMPLOYEES CREDIT UNION 301 WALL AVE KNOXVILLE, TN 37902 |
* | $ 1,505,037,000 | 7 | $ 560,000 |
AMERICAN MORTGAGE SERVICE COMPANY 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 7 | $ 962,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ 4,088,336,000 | 7 | $ 1,538,000 |
ALLIANCE CREDIT, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 6 | $ 403,000 |
STATE FARM BANK, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 6 | $ 1,160,000 |
Y-12 FEDERAL CREDIT UNION 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ 929,592,000 | 6 | $ 619,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 6 | $ 1,054,000 |
FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 5 | $ 408,000 |
MYCUMORTGAGE, LLC 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 5 | $ 337,000 |
NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ 10,000,000 | 5 | $ 676,000 |
VAN DYK MORTGAGE CORPORATION 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 4 | $ 480,000 |
R M K FINANCIAL CORP. 1819 S. EXCISE AVENUE ONTARIO, CA 91761 |
* | $ 16,639,000 | 4 | $ 446,000 |
CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ 945,758,000 | 4 | $ 400,000 |
CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 2,801,773,000 | 4 | $ 307,000 |
GOODLEAP, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ 10,000,000 | 4 | $ 520,000 |
BRIDGEVIEW BANK GROUP 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,077,735,000 | 3 | $ 349,000 |
SUNTRUST BANK P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 26,000 |
PRIMARY RESIDENTIAL MORTGAGE, INC. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 3 | $ 352,000 |
CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ 1,543,699,000 | 3 | $ 314,000 |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 CHARLOTTE, NC 28273 |
* | $ 10,000,000 | 3 | $ 606,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ 8,994,122,000 | 3 | $ 334,000 |
COMMUNITY TRUST BANK, INC. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,881,833,000 | 3 | $ 649,000 |
PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 3 | $ 395,000 |
SOUTHWEST FUNDING, LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 2 | $ 162,000 |
ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 2 | $ 156,000 |
ISERVE RESIDENTIAL LENDING, LLC 15015 AVENUE OF SCIENCE SAN DIEGO, CA 92128 |
* | $ 35,257,000 | 2 | $ 141,000 |
AMERICAN SOUTHWEST MORTGAGE CORP. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 2 | $ 153,000 |
THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ 10,000,000 | 2 | $ 227,000 |
AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 57,000 |
FIRST VOLUNTEER BANK 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 891,251,000 | 2 | $ 43,000 |
U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 2 | $ 100,000 |
NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 2 | $ 60,000 |
AMCAP MORTGAGE, LTD. 9999 BELLAIRE BLVD., SUITE 700 HOUSTON, TX 77036 |
* | $ 10,000,000 | 2 | $ 305,000 |
REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 2 | $ 75,000 |
DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 2 | $ 158,000 |
PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 348,291,098,000 | 2 | $ 87,000 |
AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ 10,000,000 | 2 | $ 202,000 |
CHURCHILL MORTGAGE CORPORATION 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 128,000 |
FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 178,000 |
CIS FINANCIAL SERVICES, INC. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 2 | $ 274,000 |
MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 240,000 |
NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 IRVINE, CA 92614 |
* | $ 52,388,000 | 2 | $ 233,000 |
SOUTHWEST STAGE FUNDING, LLC 3345 S. VAL VISTA DRIVE, SUITE 300 GILBERT, AZ 85297 |
* | $ 5,889,539,000 | 2 | $ 248,000 |
EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ 10,000,000 | 1 | $ 367,000 |
WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 CHARLOTTE, NC 28210 |
* | $ 10,000,000 | 1 | $ 262,000 |
ANDREW JOHNSON BANK 124 N MAIN STREET GREENEVILLE, TN 37743 |
* | $ 333,194,000 | 1 | $ 344,000 |
ENDEAVOR CAPITAL, LLC. 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ 26,264,000 | 1 | $ 108,000 |
EASTMAN P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 3,260,257,000 | 1 | $ 135,000 |
AMERICAN AIRLINES FEDERAL CREDIT UNION 4151 AMON CARTER BLVD FT WORTH, TX 76155 |
* | $ 5,961,680,000 | 1 | $ 32,000 |
LANDMARK COMMUNITY BANK 2 S MAIN STREET PITTSTON, PA 18640 |
* | $ 284,072,000 | 1 | $ 30,000 |
HOME FEDERAL BANK OF TENNESSEE 515 MARKET STREET KNOXVILLE, TN 37902 |
* | $ 2,169,293,000 | 1 | $ 417,000 |
HOME LOAN INVESTMENT BANK, F.S.B. ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 1 | $ 20,000 |
MORTGAGE SOLUTIONS OF COLORADO, LLC MORTGAGE SOLUTIONS OF COLORADO 5455 N UNION BLVD, CO 80918 |
* | $ 10,000,000 | 1 | $ 156,000 |
MB FINANCIAL BANK, NATIONAL ASSOCIATION 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 1 | $ 177,000 |
PROGRESSIVE SAVINGS BANK 500 N MAIN ST JAMESTOWN, TN 38556 |
* | $ 257,877,000 | 1 | $ 180,000 |
MICHIGAN MUTUAL, INC. 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 71,000 |
RANLIFE, INC. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 3,304,000 | 1 | $ 110,000 |
THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 70,879,778,000 | 1 | $ 149,000 |
DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 85,747,508,000 | 1 | $ 50,000 |
FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 13,649,486,000 | 1 | $ 120,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 59,000 |
PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 MERIDEN, CT 06540 |
* | $ 50,442,000 | 1 | $ 134,000 |
ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH DRAPER, UT 84020 |
* | $ 10,000,000 | 1 | $ 74,000 |
GATEWAY MORTGAGE GROUP, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 10,000,000 | 1 | $ 114,000 |
ADMIRALS BANK 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 444,244,000 | 1 | $ 7,000 |
WESTFIELD BANK, FSB TWO PARK CIRCLE WESTFIELD CENTER, OH 44251 |
* | $ 1,086,068,000 | 1 | $ 71,000 |
DUBUQUE BANK AND TRUST COMPANY 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,617,322,000 | 1 | $ 190,000 |
CRESCENT MORTGAGE COMPANY 6600 PEACHTREE DUNWOODY ROAD SUITE 650 ATLANTA, GA 30328 |
* | $ 826,484,000 | 1 | $ 102,000 |
FIRST COMMUNITY MORTGAGE, INC. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 59,000 |
AMERICAN SOUTHWEST MORTGAGE FUNDING CORP 5900 MOSTELLER DRIVE SUITE 8 OKLAHOMA CITY, OK 73112 |
* | $ 336,426,000 | 1 | $ 205,000 |
THE HOME LENDING GROUP, LLC 215 KATHERINE DRIVE FLOWOOD, MS 39232 |
* | $ 22,596,000 | 1 | $ 55,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ 31,000,000 | 1 | $ 93,000 |
GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 208,000 |
CLAYTON BANK AND TRUST 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 1 | $ 139,000 |
NATIONS LENDING CORPORATION 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 86,000 |
APPALACHIAN COMMUNITY FEDERAL CREDIT UNION 5034 BOBBY HICKS HIGHWAY STE 2 GRAY, TN 37615 |
* | $ 180,408,000 | 1 | $ 25,000 |
STEARNS LENDING, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 150,000 |
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 | 423 | $36,077,000 | $85,000 | $417,000 | $45,000 | $263,000 |
Refinancing | 324 | $34,626,000 | $106,000 | $542,000 | $49,000 | $347,000 |
Home Improvement | 88 | $4,602,000 | $52,000 | $344,000 | $64,000 | $746,000 |
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 | 685 | $60,889,000 | $88,000 | $542,000 | $52,000 | $746,000 |
Not Provided | 90 | $8,194,000 | $91,000 | $400,000 | $45,000 | $180,000 |
Not applicable | 45 | $4,829,000 | $107,000 | $267,000 | $2,000 | $54,000 |
Black or African American | 6 | $600,000 | $100,000 | $152,000 | $64,000 | $144,000 |
Hispanic | 5 | $435,000 | $87,000 | $189,000 | $43,000 | $64,000 |
American Indian or Alaskan Native | 4 | $358,000 | $89,000 | $130,000 | $30,000 | $43,000 |
Asian | 0 | $0 | $0 | $0 | $0 | $0 |
Native Hawaiin 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) | 605 | $48,527,000 | $80,000 | $417,000 | $52,000 | $746,000 |
FHA-insured (Federal Housing Administration) | 128 | $13,273,000 | $103,000 | $254,000 | $39,000 | $126,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $5,316,000 | $100,000 | $179,000 | $28,000 | $71,000 |
VA-guaranteed (Veterans Administration) | 49 | $8,189,000 | $167,000 | $542,000 | $44,000 | $347,000 |
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 | 373 | $33,097,000 | $88,000 | $417,000 | $58,000 | $746,000 |
Application Denied By Financial Institution | 237 | $19,827,000 | $83,000 | $542,000 | $43,000 | $372,000 |
Application Withdrawn By Applicant | 81 | $8,440,000 | $104,000 | $364,000 | $44,000 | $185,000 |
File Closed For Incompleteness | 62 | $5,025,000 | $81,000 | $350,000 | $39,000 | $82,000 |
Loan Purchased By The Institution | 52 | $6,164,000 | $118,000 | $323,000 | $16,000 | $125,000 |
Application Approved But Not Accepted | 30 | $2,752,000 | $91,000 | $180,000 | $53,000 | $130,000 |
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 | 42 | $2,472,000 | $58,000 | $246,000 | $53,000 | $372,000 |
Debt-To-Income Ratio | 12 | $1,162,000 | $96,000 | $331,000 | $31,000 | $65,000 |
Collateral | 10 | $1,200,000 | $120,000 | $246,000 | $63,000 | $120,000 |
Other | 7 | $368,000 | $52,000 | $73,000 | $36,000 | $52,000 |
Credit Application Incomplete | 6 | $641,000 | $106,000 | $164,000 | $56,000 | $82,000 |
Unverifiable Information | 3 | $344,000 | $114,000 | $139,000 | $56,000 | $70,000 |
Employment History | 1 | $65,000 | $65,000 | $65,000 | $48,000 | $48,000 |
Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Tennessee, and search similar information back through 2003.