St. Joseph County MI
Mortgage Loan Application
Totals and Details
for 2021
Find mortgage statistics and lending data for the St. Joseph County MI 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 St. Joseph County MI, 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 | 3,505 |
| Total Mortgage Loan Application Amount | $542,455,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $1,905,000 |
| Average Applicant Income | $84,000 |
| Highest Applicant Income | $2,897,000 |
* 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 |
|---|---|---|---|---|
| OAK MORTGAGE, LLC 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ -1,000 | 369 | $ 63,995,000 |
| OMNI COMMUNITY CREDIT UNION PO BOX 1537 BATTLE CREEK, MI 49068 |
* | $ 423,516,000 | 301 | $ 31,315,000 |
| RUOFF MORTGAGE COMPANY, INC. 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 205 | $ 32,395,000 |
| AMERIFIRST FINANCIAL CORPORATION 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 149 | $ 22,035,000 |
| ARBOR FINANCIAL CREDIT UNION 1551 SOUTH 9TH STREET KALAMAZOO, MI 49009 |
* | $ 655,512,000 | 140 | $ 17,670,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 122 | $ 13,070,000 |
| FIFTH THIRD BANK, NATIONAL ASSOCIATION 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 140,077,697,000 | 109 | $ 15,665,000 |
| FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 16,855,693,000 | 88 | $ 13,600,000 |
| SOUTHERN MICHIGAN BANK & TRUST 51 WEST PEARL STREET COLDWATER, MI 49036 |
* | $ 806,619,000 | 79 | $ 12,835,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ -1,000 | 68 | $ 10,940,000 |
| CONSUMERS PO BOX 525 OSHTEMO, MI 49077 |
* | $ 1,242,456,000 | 64 | $ 9,230,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ -1,000 | 62 | $ 9,640,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,747,398,000,000 | 54 | $ 9,650,000 |
| KELLOGG COMMUNITY CREDIT UNION 41 SECOND ST BATTLE CREEK, MI 49014 |
* | $ 637,246,000 | 53 | $ 5,725,000 |
| HORIZON BANK 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 49 | $ 6,335,000 |
| PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 48 | $ 7,070,000 |
| LAKE MICHIGAN CREDIT UNION PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 6,863,398,000 | 48 | $ 10,670,000 |
| UNITED SHORE FINANCIAL SERVICES, LLC 1414 EAST MAPLE ROAD TROY, MI 48083 |
* | $ -1,000 | 46 | $ 8,010,000 |
| NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ -1,000 | 40 | $ 5,910,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 37 | $ 5,185,000 |
| FARMERS STATE BANK 220 S. DETROIT STREET LAGRANGE, IN 46761 |
* | $ 836,333,000 | 37 | $ 5,895,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 34 | $ 6,010,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 CHARLOTTE, NC 28273 |
* | $ -1,000 | 32 | $ 4,530,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 31 | $ 5,185,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 135,758,439,000 | 29 | $ 4,695,000 |
| SUCCESS MORTGAGE PARTNERS, INC. 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ -1,000 | 28 | $ 4,060,000 |
| INTERRA CREDIT UNION 300 W LINCOLN AVE GOSHEN, IN 46526 |
* | $ 1,205,497,000 | 28 | $ 4,630,000 |
| MEMBER FIRST MORTGAGE, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 26 | $ 3,210,000 |
| STURGIS BANK & TRUST COMPANY 113-125 E CHICAGO RD STURGIS, MI 49091 |
* | $ 473,438,000 | 26 | $ 2,400,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 23 | $ 4,085,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ -1,000 | 22 | $ 4,030,000 |
| CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ -1,000 | 21 | $ 2,665,000 |
| CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ -1,000 | 21 | $ 3,535,000 |
| DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 98,729,134,000 | 20 | $ 1,700,000 |
| FIRST STATE BANK OF MIDDLEBURY 111 S. MAIN STREET MIDDLEBURY, IN 46540 |
* | $ 593,315,000 | 20 | $ 4,430,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ -1,000 | 19 | $ 3,635,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ -1,000 | 19 | $ 3,165,000 |
| MORTGAGE CENTER L.C 29621 NORTHWESTERN HWY SOUTHFIELD, MI 48034 |
* | $ -1,000 | 19 | $ 2,695,000 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 19 | $ 3,525,000 |
| HONOR CREDIT UNION EDGEWOOD RD BERRIEN SPRINGS, MI 49103 |
* | $ 1,009,578,000 | 18 | $ 2,160,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY HENDERSON, NV 89052 |
* | $ -1,000 | 17 | $ 2,015,000 |
| LAKE CITY BANK P.O. BOX 1387 WARSAW, IN 46581 |
* | $ 4,934,311,000 | 16 | $ 1,940,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 16 | $ 1,920,000 |
| LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 15 | $ 3,065,000 |
| CROSSCOUNTRY MORTGAGE, INC. 6850 MILLER RD BRECKSVILLE, OH 44141 |
* | $ -1,000 | 13 | $ 4,025,000 |
| 1ST SOURCE BANK P O BOX 1602 SUITE 400 SOUTH BEND, IN 46634 |
* | $ 6,622,194,000 | 13 | $ 2,125,000 |
| BROKER SOLUTIONS, INC. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 13 | $ 2,585,000 |
| OLD NATIONAL BANK ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 13 | $ 5,065,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 13 | $ 2,015,000 |
| ADVIA 550 S RIVERVIEW DR PARCHMENT, MI 49004 |
* | $ 2,084,525,000 | 12 | $ 930,000 |
| GREENSTONE FARM CREDIT SERVICES, FLCA 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 12 | $ 2,350,000 |
| HANCOCK MORTGAGE PARTNERS, LLC ONE SUGAR CREEK CENTER BLVD SUITE 1000 SUGAR LAND, TX 77478 |
* | $ -1,000 | 12 | $ 2,080,000 |
| BETTER MORTGAGE CORPORATION 459 BROADWAY, FLOOR 5 NEW YORK, NY 10013 |
* | $ -1,000 | 11 | $ 2,065,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 11 | $ 675,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 11 | $ 1,835,000 |
| INTERCONTINENTAL CAPITAL GROUP, INC 50 JERICHO QUADRANGLE, SUITE 210 JERICHO, NY 11753 |
* | $ -1,000 | 11 | $ 1,905,000 |
| KALSEE CREDIT UNION 2501 MILLCORK KALAMAZOO, MI 49001 |
* | $ 191,496,000 | 10 | $ 1,420,000 |
| UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 9 | $ 1,795,000 |
| TEACHERS CREDIT UNION 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 3,348,046,000 | 9 | $ 1,355,000 |
| CIRCLE FEDERAL CREDIT UNION 507 E MAIN ST NILES, MI 49120 |
* | $ 71,747,000 | 8 | $ 2,080,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 8 | $ 1,740,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 8 | $ 1,300,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 8 | $ 1,400,000 |
| FIRST FEDERAL SAVINGS BANK P.O. BOX 527 ROCHESTER, IN 46975 |
* | $ 437,320,000 | 8 | $ 1,680,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 7 | $ 615,000 |
| MUTUAL OF OMAHA MORTGAGE, INC 3131 CAMINO DEL RIO N 190 SAN DIEGO, CA 92108 |
* | $ -1,000 | 7 | $ 1,605,000 |
| HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 7 | $ 1,465,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ -1,000 | 7 | $ 765,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 7 | $ 695,000 |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION P.O. BOX 7878 NOTRE DAME, IN 46556 |
* | $ 652,360,000 | 6 | $ 890,000 |
| UNITED 2807 SOUTH STATE ST SAINT JOSEPH, MI 49085 |
* | $ 2,877,075,000 | 6 | $ 850,000 |
| GVC MORTGAGE, INC. ONE PLAZA DRIVE, SUITE 3 PENDLETON, IN 46064 |
* | $ -1,000 | 6 | $ 1,820,000 |
| LOWER, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 6 | $ 1,350,000 |
| BARRINGTON BANK & TRUST COMPANY, N.A. 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 6 | $ 1,440,000 |
| MID AMERICA MORTGAGE, INC. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 6 | $ 1,240,000 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 100 PHOENIX DR, STE 300 ANN ARBOR, MI 48108 |
* | $ -1,000 | 6 | $ 760,000 |
| INOVA FEDERAL CREDIT UNION 358 S ELKHART AVENUE ELKHART, IN 46516 |
* | $ 458,314,000 | 6 | $ 990,000 |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 4,730,630,000 | 6 | $ 830,000 |
| TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 5 | $ 255,000 |
| MERCANTILE BANK OF MICHIGAN 310 LEONARD ST NW GRAND RAPIDS, MI 49504 |
* | $ 3,614,957,000 | 5 | $ 1,125,000 |
| INDEPENDENT BANK 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 3,563,694,000 | 5 | $ 1,145,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH DRAPER, UT 84020 |
* | $ -1,000 | 5 | $ 315,000 |
| CHICAGO MORTGAGE SOLUTIONS LLC 9525 W BRYN MAWR AVE ROSEMONT, IL 60018 |
* | $ -1,000 | 5 | $ 965,000 |
| PACOR MORTGAGE CORP. 14930 CICERO AVE OAK FOREST, IL 60452 |
* | $ -1,000 | 4 | $ 790,000 |
| FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 430,000 |
| SOFI LENDING CORP. 375 HEALDSBURG AVENUE, SUITE 280 HEALDSBURG, CA 95448 |
* | $ -1,000 | 4 | $ 490,000 |
| CHURCHILL MORTGAGE CORPORATION 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 4 | $ 620,000 |
| SPRING EQ, LLC 2929 ARCH ST PHILADELPHIA, PA 19104 |
* | $ -1,000 | 4 | $ 240,000 |
| CMG MORTGAGE, INC. 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, CA 94583 |
* | $ -1,000 | 4 | $ 770,000 |
| NETWORK CAPITAL FUNDING CORPORATION 5 PARK PLAZA #800 IRVINE, CA 92614 |
* | $ -1,000 | 4 | $ 650,000 |
| V.I.P. MORTGAGE, INC. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 4 | $ 1,260,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 4 | $ 1,050,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 4 | $ 760,000 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 4 | $ 750,000 |
| PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 MERIDEN, CT 06540 |
* | $ -1,000 | 3 | $ 475,000 |
| VAN DYK MORTGAGE CORPORATION 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ -1,000 | 3 | $ 595,000 |
| CHIPHONE FEDERAL CREDIT UNION 1655 W BEARDSLEY AVE ELKHART, IN 46514 |
* | $ 87,677,000 | 3 | $ 405,000 |
| THE FEDERAL SAVINGS BANK 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60607 |
* | $ 604,528,000 | 3 | $ 725,000 |
| HALLMARK HOME MORTGAGE, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 3 | $ 485,000 |
| BMO HARRIS BANK NATIONAL ASSOCIATION 111 W. MONROE CHICAGO, IL 60603 |
* | $ 137,588,093,000 | 3 | $ 2,235,000 |
| THREE RIVERS FEDERAL CREDIT UNION 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 1,208,245,000 | 3 | $ 555,000 |
| VANDERBILT MORTGAGE AND FINANCE, INC. 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 3 | $ 225,000 |
| AMERICAN PACIFIC MORTGAGE CORPORATION 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 3 | $ 955,000 |
| SUMMIT HOME MORTGAGE, LLC 414 W. MILHAM AVENUE PORTAGE, MI 49024 |
* | $ -1,000 | 3 | $ 325,000 |
| SHELTER MORTGAGE COMPANY, L.L.C. 4000 W. BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ -1,000 | 3 | $ 325,000 |
| WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 CHARLOTTE, NC 28210 |
* | $ -1,000 | 3 | $ 585,000 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 3 | $ 525,000 |
| NORTHPOINTE BANK 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 3 | $ 455,000 |
| ALLIANT CREDIT UNION 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 12,244,742,000 | 2 | $ 210,000 |
| UNITED SECURITY FINANCIAL CORP 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ -1,000 | 2 | $ 300,000 |
| CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,694,690,000 | 2 | $ 330,000 |
| UNITED BANK OF MICHIGAN 900 EAST PARIS AVE SE GRAND RAPIDS, MI 49546 |
* | $ 695,189,000 | 2 | $ 400,000 |
| KELLER MORTGAGE, LLC 4725 LAKEHURST CT SUITE 400 DUBLIN, OH 43016 |
* | $ -1,000 | 2 | $ 910,000 |
| MISSION LOANS, LLC 5686 DRESSLER ROAD, NW NORTH CANTON, OH 44720 |
* | $ -1,000 | 2 | $ 310,000 |
| CANOPY MORTGAGE, LLC 380 TECHNOLOGY CT, SUITE 200 LINDON, UT 84042 |
* | $ -1,000 | 2 | $ 410,000 |
| HFG HOLDINGS, LLC 888 W BIG BEAVER RD, SUITE 800 TROY, MI 48084 |
* | $ -1,000 | 2 | $ 260,000 |
| TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 2 | $ 390,000 |
| FIGURE LENDING LLC 15720 BRIXHAM HILL AVE, SUITE 300 CHARLOTTE, NC 28277 |
* | $ -1,000 | 2 | $ 130,000 |
| MORTGAGE 1 INCORPORATED 43456 MOUND ROAD STERLING HEIGHTS, MI 49314 |
* | $ -1,000 | 2 | $ 320,000 |
| OCMBC, INC. 19000 MACARTHUR BLVD, SUITE 200 IRVINE, CA 92612 |
* | $ -1,000 | 2 | $ 280,000 |
| TRIUMPH BANK 1780 MORIAH WOODS BLVD., SUITE 4 MEMPHIS, TN 38117 |
* | $ 837,096,000 | 2 | $ 390,000 |
| NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 2 | $ 250,000 |
| ASSOCIATED BANK, NATIONAL ASSOCIATION 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 32,343,129,000 | 2 | $ 500,000 |
| CHICAGO FINANCIAL SERVICES, INC. 1455 W HUBBARD ST STE 200 CHICAGO, IL 60625 |
* | $ -1,000 | 2 | $ 520,000 |
| DFCU FINANCIAL 400 TOWN CENTER DRIVE DEARBORN, MI 48126 |
* | $ 4,903,176,000 | 2 | $ 870,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 130,000 |
| LENDINGONE, LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 280,000 |
| DRAPER AND KRAMER MORTGAGE CORP. 1431 OPUS PLACE SUITE 200 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 2 | $ 360,000 |
| CHOICEONE BANK 109 E. DIVISION ST. SPARTA, MI 49345 |
* | $ 673,946,000 | 2 | $ 300,000 |
| TOWNE MORTGAGE COMPANY 2170 E. BIG BEAVER ROAD, SUITE A TROY, MI 48083 |
* | $ -1,000 | 2 | $ 250,000 |
| KS STATEBANK 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 2 | $ 880,000 |
| FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 HORSHAM, PA 19044 |
* | $ -1,000 | 2 | $ 530,000 |
| PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE TYSONS, VA 22102 |
* | $ 24,774,361,000 | 2 | $ 340,000 |
| CELEBRITY HOME LOANS, LLC 2001 SPRING RD SUITE 100 OAK BROOK, IL 60523 |
* | $ -1,000 | 2 | $ 380,000 |
| AMERICAN FINANCIAL NETWORK, INC. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 2 | $ 540,000 |
| FIRST MERCHANTS BANK 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 12,430,349,000 | 2 | $ 420,000 |
| SOVEREIGN LENDING GROUP INCORPORATED 3540 HOWARD WAY STE # 200 COSTA MESA, CA 92626 |
* | $ -1,000 | 2 | $ 980,000 |
| NORTHERN MORTGAGE SERVICES, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 400,000 |
| CHANGE LENDING LLC 3130 CANYON PLACE SAN RAMON, CA 94583 |
* | $ -1,000 | 2 | $ 280,000 |
| MARSHALL COMMUNITY CREDIT UNION 839 W GREEN ST MARSHALL, MI 49068 |
* | $ 226,939,000 | 2 | $ 320,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 330,000 |
| BLUELEAF LENDING, LLC 112 S SANGAMON STREET 2ND FLOOR CHICAGO, IL 60607 |
* | $ -1,000 | 2 | $ 320,000 |
| GREENSTONE FARM CREDIT SERVICES, ACA 5285 W US-223 ADRIAN, MI 49221 |
* | $ -1,000 | 1 | $ 35,000 |
| NBKC BANK 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 833,228,000 | 1 | $ 285,000 |
| UNITED BAY COMMUNITY CREDIT UNION 1309 N. LINCOLN AVE. BAY CITY, MI 48708 |
* | $ 194,477,000 | 1 | $ 275,000 |
| GUARANTEED RATE AFFINITY, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 245,000 |
| LONGBRIDGE FINANCIAL, LLC ONE INTERNATIONAL BLVD. MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 365,000 |
| DOW CHEMICAL EMPLOYEES' 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,766,990,000 | 1 | $ 135,000 |
| THE CAMPBELL & FETTER BANK PO BOX 231 KENDALLVILLE, IN 46755 |
* | $ 316,463,000 | 1 | $ 375,000 |
| PROVIDENT FUNDING ASSOCIATES, L.P. 851 TRAEGER AVENUE, SUITE 100 SAN BRUNO, CA 94066 |
* | $ -1,000 | 1 | $ 265,000 |
| PARAMOUNT RESIDENTIAL MORTGAGE GROUP, INC. 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 335,000 |
| PREMIA MORTGAGE, LLC 5480 CORPORATE DRIVE SUITE 240 TROY, MI 48098 |
* | $ -1,000 | 1 | $ 215,000 |
| THE STATE BANK AND TRUST COMPANY 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ 1,029,694,000 | 1 | $ 125,000 |
| LEADERS CREDIT UNION 35 STONEBRIDGE BLVD. JACKSON, TN 38305 |
* | $ 441,962,000 | 1 | $ 125,000 |
| MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 119,432,105,000 | 1 | $ 145,000 |
| ZILLOW HOME LOANS, LLC 10975 EL MONTE ST OVERLAND PARK, KS 66211 |
* | $ -1,000 | 1 | $ 325,000 |
| CONSUMER REAL ESTATE FINANCE CO. 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ -1,000 | 1 | $ 155,000 |
| NP, INC. E, 4800 N FEDERAL HWY #200 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 225,000 |
| AXOS BANK 4350 LA JOLLA VILLAGE DR SUITE 140 LA JOLLA, CA 92122 |
* | $ 11,550,782,000 | 1 | $ 165,000 |
| THE FARMERS & MERCHANTS STATE BANK 307 N DEFIANCE ST ARCHBOLD, OH 43502 |
* | $ 1,582,933,000 | 1 | $ 155,000 |
| DIRECTIONS CREDIT UNION, INC. 5121 WHITEFORD ROAD SYLVANIA, OH 43560 |
* | $ 891,611,000 | 1 | $ 215,000 |
| ISABELLA BANK 139 E. BROADWAY MT. PLEASANT, MI 48858 |
* | $ 1,763,432,000 | 1 | $ 75,000 |
| ARVEST BANK 201 W WALNUT ROGERS, AR 72756 |
* | $ 19,445,554,000 | 1 | $ 65,000 |
| MEIJER CREDIT UNION 2410 GAYNOR AVE. NW GRAND RAPIDS, MI 49544 |
* | $ 67,347,000 | 1 | $ 35,000 |
| FIRST HOME BANK 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 531,151,000 | 1 | $ 155,000 |
| EVANSVILLE TEACHERS 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 1 | $ 45,000 |
| MMS MORTGAGE SERVICES, LTD. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ -1,000 | 1 | $ 205,000 |
| SERVION, INC. 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ -1,000 | 1 | $ 185,000 |
| HOME LOAN INVESTMENT BANK, F.S.B. ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 346,188,000 | 1 | $ 15,000 |
| MLD MORTGAGE INC. 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 425,000 |
| SIERRA PACIFIC MORTGAGE COMPANY, INC. 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 245,000 |
| FIRST FEDERAL SAVINGS BANK 648 NORTH JEFFERSON STREET HUNTINGTON, IN 46750 |
* | $ 353,875,000 | 1 | $ 545,000 |
| NORWICH COMMERCIAL GROUP, INC. 38 SECURITY DRIVE AVON, CT 06001 |
* | $ -1,000 | 1 | $ 265,000 |
| TEACHERS 102 MOTOR PARKWAY HAUPPAUGE, NY 11788 |
* | $ 7,508,575,000 | 1 | $ 55,000 |
| SOUTHWEST FUNDING, LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ -1,000 | 1 | $ 195,000 |
| THE CITIZENS NATIONAL BANK OF BLUFFTON 102 S. MAIN ST. BLUFFTON, OH 45817 |
* | $ 877,477,000 | 1 | $ 155,000 |
| THUMB BANK AND TRUST 7254 MICHIGAN AVE., P.O. BOX 560 PIGEON, MI 48755 |
* | $ 274,254,000 | 1 | $ 165,000 |
| UIF CORPORATION 29777 TELEGRAPH RD. SUITE 3590 SOUTHFIELD, MI 48034 |
* | $ -1,000 | 1 | $ 65,000 |
| T2 FINANCIAL LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ -1,000 | 1 | $ 185,000 |
| ALLY BANK 2101, 300 EAST REXFORD RD CHARLOTTE, NC 28211 |
* | $ 167,492,000,000 | 1 | $ 145,000 |
| THE STATE BANK 175 N LEROY ST FENTON, MI 48430 |
* | $ 1,033,895,000 | 1 | $ 545,000 |
| TOP FLITE FINANCIAL, INC. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 1 | $ 275,000 |
| FARM CREDIT MID-AMERICA, ACA 1601 UPS DRIVE LOUISVILLE, KY 40223 |
* | $ -1,000 | 1 | $ 185,000 |
| KIAVI FUNDING, INC 315 MONTGOMERY STREET 16TH FLOOR SAN FRANCISCO, CA 94104 |
* | $ -1,000 | 1 | $ 95,000 |
| STOCKTON MORTGAGE CORPORATION 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 65,000 |
| STAUNTON FINANCIAL, INC. 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48075 |
* | $ -1,000 | 1 | $ 295,000 |
| EMPEOPLE CREDIT UNION 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 1,131,130,000 | 1 | $ 105,000 |
| DATA MORTGAGE, INC. 2200 W. ORANGEWOOD AVE SUITE 150 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 155,000 |
| UNITED FINANCIAL CREDIT UNION 4685 STATE ST. SAGINAW, MI 48603 |
* | $ 233,338,000 | 1 | $ 225,000 |
| AMERICAN COMMUNITY BANK OF INDIANA 7880 WICKER AVENUE ST. JOHN, IN 46373 |
* | $ 228,408,000 | 1 | $ 185,000 |
| GOLDWATER BANK, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 187,526,000 | 1 | $ 165,000 |
| FIRSTBANK 11 CHANNING WAY JACKSON, TN 38305 |
* | $ 6,120,102,000 | 1 | $ 545,000 |
| LINCOLNWAY COMMUNITY BANK 1000 E LINCOLN HIGHWAY NEW LENOX, IL 60451 |
* | $ 236,685,000 | 1 | $ 85,000 |
| FIRST OPTION MORTGAGE, LLC 3330 CUMBERLAND BLVD SE, SUITE 800 ATLANTA, GA 30339 |
* | $ -1,000 | 1 | $ 165,000 |
| MARQUETTE BANK 6316 S WESTERN AVE CHICAGO, IL 60636 |
* | $ 1,619,703,000 | 1 | $ 225,000 |
| LEVEL ONE BANK 32991 HAMILTON COURT FARMINGTON HILLS, MI 48334 |
* | $ 1,582,399,000 | 1 | $ 135,000 |
| WEST MICHIGAN COMMUNITY BANK 5367 SCHOOL AVE. HUDSONVILLE, MI 49426 |
* | $ 595,821,000 | 1 | $ 1,905,000 |
| LAKE TRUST CREDIT UNION 4605 S OLD US HIGHWAY 23 BRIGHTON, MI 48114 |
* | $ 1,917,933,000 | 1 | $ 35,000 |
| HOMESTEAD SAVINGS BANK 415 S SUPERIOR ST ALBION, MI 49224 |
* | $ 65,786,000 | 1 | $ 85,000 |
| BEACON CREDIT UNION 586 S WABASH ST WABASH, IN 46992 |
* | $ 1,260,999,000 | 1 | $ 125,000 |
| COMPASS MORTGAGE, INC. 27755 DIEHL ROAD, STE 100 WARRENVILLE, IL 60555 |
* | $ -1,000 | 1 | $ 125,000 |
| TCF NATIONAL BANK 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 1 | $ 105,000 |
| ALLIED FIRST BANK,SB 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 109,679,000 | 1 | $ 205,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ -1,000 | 1 | $ 125,000 |
| HOME STATE BANK, NATIONAL ASSOCIATION 40 GRANT STREET CRYSTAL LAKE, IL 60014 |
* | $ 614,990,000 | 1 | $ 195,000 |
| UBS BANK USA 299 S. MAIN ST SALT LAKE CITY, UT 84111 |
* | $ 63,780,722,000 | 1 | $ 555,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 464,504,000 | 1 | $ 135,000 |
| GOODLEAP, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 295,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 165,000 |
| UNIVERSITY LENDING GROUP, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 1 | $ 135,000 |
| FIRST FEDERAL BANK 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 2,177,570,000 | 1 | $ 155,000 |
| PLATINUM HOME MORTGAGE CORPORATION 2200 HICKS RD, STE 101 ROLLING MEADOWS, IL 60008 |
* | $ -1,000 | 1 | $ 235,000 |
| CONTOUR MORTGAGE CORPORATION 990 STEWART AVENUE STE#660 GARDEN CITY, NY 11530 |
* | $ -1,000 | 1 | $ 135,000 |
| THE DART BANK 368 S. PARK ST. MASON, MI 48854 |
* | $ 460,693,000 | 1 | $ 165,000 |
| STAR FINANCIAL BANK 127 WEST BERRY ST FORT WAYNE, IN 46835 |
* | $ 2,089,468,000 | 1 | $ 255,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,384,707,000,000 | 1 | $ 235,000 |
| FIRST CENTENNIAL MORTGAGE CORPORATION 2471 W SULLIVAN ROAD AURORA, IL 60506 |
* | $ -1,000 | 1 | $ 295,000 |
| CENTERBANK 744 STATE ROUTE 28 MILFORD, OH 45150 |
* | $ 224,827,000 | 1 | $ 285,000 |
| AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 45,000 |
| FBC MORTGAGE, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 185,000 |
| ELGA CREDIT UNION 2303 S. CENTER ROAD BURTON, MI 48519 |
* | $ 794,126,000 | 1 | $ 35,000 |
| COMMUNITY CHOICE CREDIT UNION 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 1,163,544,000 | 1 | $ 25,000 |
| BAXTER CREDIT UNION 340 N MILWAUKEE AVE VERNON HILLS, IL 60061 |
* | $ 3,921,403,000 | 1 | $ 355,000 |
| WINTERWOOD MORTGAGE GROUP, LLC 107 N STATE ROAD 135, SUITE 301 GREENWOOD, IN 46142 |
* | $ -1,000 | 1 | $ 175,000 |
| MAGNOLIA BANK 794 OLD ELIZABETHTOWN RD HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 275,000 |
| AUTO CLUB TRUST, FSB 1 AUTOCLUB DRIVE DEARBORN, MI 48126 |
* | $ 567,245,000 | 1 | $ 185,000 |
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 St. Joseph County MI in 2021
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 | 1,243 | $183,085,000 | $147,000 | $1,205,000 | $83,000 | $1,071,000 |
| Home Purchase | 1,193 | $217,165,000 | $182,000 | $1,905,000 | $85,000 | $2,897,000 |
| Cash-out Refinancing | 723 | $113,725,000 | $157,000 | $965,000 | $84,000 | $958,000 |
| Home Improvement | 199 | $14,005,000 | $70,000 | $1,275,000 | $80,000 | $510,000 |
| Other Purpose | 131 | $13,365,000 | $102,000 | $1,445,000 | $86,000 | $1,207,000 |
| Not Applicable | 16 | $1,110,000 | $69,000 | $145,000 | $0 | $0 |
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 | 2,766 | $424,720,000 | $153,000 | $1,445,000 | $84,000 | $2,897,000 |
| Not Provided | 441 | $68,225,000 | $154,000 | $625,000 | $87,000 | $1,490,000 |
| Not applicable | 131 | $25,215,000 | $192,000 | $1,905,000 | $106,000 | $374,000 |
| Hispanic | 96 | $12,230,000 | $127,000 | $315,000 | $68,000 | $444,000 |
| Black or African American | 30 | $4,340,000 | $144,000 | $315,000 | $55,000 | $106,000 |
| American Indian or Alaskan Native | 16 | $3,390,000 | $211,000 | $585,000 | $76,000 | $188,000 |
| Asian | 16 | $3,550,000 | $221,000 | $965,000 | $87,000 | $280,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $110,000 | $55,000 | $75,000 | $29,000 | $29,000 |
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) | 2,726 | $421,020,000 | $154,000 | $1,905,000 | $89,000 | $2,897,000 |
| FHA-insured (Federal Housing Administration) | 437 | $63,865,000 | $146,000 | $365,000 | $54,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 210 | $39,370,000 | $187,000 | $625,000 | $71,000 | $490,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 132 | $18,200,000 | $137,000 | $305,000 | $47,000 | $89,000 |
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 | 2,137 | $348,365,000 | $163,000 | $1,905,000 | $86,000 | $1,490,000 |
| Application Denied By Financial Institution | 455 | $57,065,000 | $125,000 | $1,205,000 | $68,000 | $860,000 |
| Application Withdrawn By Applicant | 407 | $60,585,000 | $148,000 | $1,405,000 | $94,000 | $2,897,000 |
| File Closed For Incompleteness | 208 | $28,140,000 | $135,000 | $565,000 | $69,000 | $250,000 |
| Application Approved But Not Accepted | 145 | $21,725,000 | $149,000 | $595,000 | $81,000 | $958,000 |
| Loan Purchased By The Institution | 145 | $24,945,000 | $172,000 | $525,000 | $123,000 | $634,000 |
| Preapproval Approved but not Accepted | 8 | $1,630,000 | $203,000 | $355,000 | $74,000 | $157,000 |
| 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 | 3,019 | $479,915,000 | $158,000 | $1,445,000 | $86,000 | $2,897,000 |
| Debt-To-Income Ratio | 142 | $19,520,000 | $137,000 | $1,905,000 | $57,000 | $737,000 |
| Credit History | 134 | $14,850,000 | $110,000 | $525,000 | $70,000 | $516,000 |
| Collateral | 83 | $11,935,000 | $143,000 | $1,205,000 | $74,000 | $860,000 |
| Credit Application Incomplete | 57 | $7,545,000 | $132,000 | $305,000 | $83,000 | $720,000 |
| Other | 44 | $5,390,000 | $122,000 | $245,000 | $77,000 | $312,000 |
| Employment History | 11 | $1,065,000 | $96,000 | $345,000 | $48,000 | $100,000 |
| Unverifiable Information | 9 | $1,365,000 | $151,000 | $205,000 | $78,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $870,000 | $145,000 | $275,000 | $63,000 | $118,000 |
| 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 Michigan, and search similar information back through 2003.