Find mortgage statistics and lending data for the Stoddard 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 Stoddard 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 | 856 |
Total Mortgage Loan Application Amount | $88,620,000 |
Average Mortgage Loan Application Amount | $103,000 |
Highest Mortgage Loan Application Amount | $605,000 |
Average Applicant Income | $62,000 |
Highest Applicant Income | $530,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
FLANAGAN STATE BANK 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 191,384,000 | 81 | $ 8,075,000 |
FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ -1,000 | 54 | $ 6,110,000 |
SOUTHERN BANK 531 VINE ST POPLAR BLUFF, MO 63901 |
* | $ 1,768,439,000 | 52 | $ 6,170,000 |
FIRST MIDWEST BANK OF DEXTER 819 BUS. HWY. 60, PO BOX 158 DEXTER, MO 63841 |
* | $ 326,945,000 | 51 | $ 6,635,000 |
REGIONS BANK 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 123,325,220,000 | 47 | $ 3,795,000 |
U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 44 | $ 3,630,000 |
PENNYMAC LOAN SERVICES, LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 43 | $ 4,495,000 |
WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,747,398,000,000 | 30 | $ 3,530,000 |
PEOPLES COMMUNITY BANK PO BOX 350 GREENVILLE, MO 63944 |
* | $ 449,495,000 | 24 | $ 1,840,000 |
FIRST STATE COMMUNITY BANK 201 E COLUMBIA FARMINGTON, MO 63640 |
* | $ 2,323,185,000 | 22 | $ 2,400,000 |
FLAT BRANCH MORTGAGE, INC. 101 S. FIFTH STREET, STE 200 COLUMBIA, MO 65201 |
* | $ -1,000 | 21 | $ 2,435,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 16 | $ 1,080,000 |
CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ -1,000 | 16 | $ 1,340,000 |
FIRST MIDWEST BANK OF POPLAR BLUFF P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD POPLAR BLUFF, MO 63902 |
* | $ 398,930,000 | 15 | $ 1,175,000 |
LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ -1,000 | 13 | $ 1,205,000 |
MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 1,365,000 |
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,140,778,000,000 | 12 | $ 850,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ -1,000 | 12 | $ 1,630,000 |
STERLING BANK P O BOX 460, 1100 STERLING DRIVE POPLAR BLUFF, MO 63902 |
* | $ 1,265,123,000 | 10 | $ 730,000 |
MONTGOMERY BANK P.O. BOX 948 SIKESTON, MO 63801 |
* | $ 904,966,000 | 9 | $ 675,000 |
COMMERCE BANK 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 24,727,667,000 | 8 | $ 820,000 |
FIRST COMMUNITY MORTGAGE, INC. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 8 | $ 940,000 |
MAGNOLIA BANK 794 OLD ELIZABETHTOWN RD HODGENVILLE, KY 42748 |
* | $ 240,467,000 | 8 | $ 720,000 |
DAS ACQUISITION COMPANY, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 8 | $ 1,120,000 |
DISCOVER BANK 12 READS WAY NEW CASTLE, DE 19720 |
* | $ 98,729,134,000 | 8 | $ 380,000 |
PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 8 | $ 870,000 |
ALLIANCE BANK 217 N KINGSHIGHWAY, PO BOX 1458 CAPE GIRARDEAU, MO 63701 |
* | $ 211,460,000 | 7 | $ 825,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 7 | $ 535,000 |
GOODLEAP, LLC 8781 SIERRA COLLEGE BLVD ROSEVILLE, CA 95661 |
* | $ -1,000 | 6 | $ 570,000 |
FOCUS BANK PO BOX 99 CHARLESTON, MO 63834 |
* | $ 763,523,000 | 6 | $ 780,000 |
TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 6 | $ 870,000 |
FIRSTBANK 11 CHANNING WAY JACKSON, TN 38305 |
* | $ 4,724,296,000 | 6 | $ 500,000 |
GERSHMAN INVESTMENT CORP. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ -1,000 | 5 | $ 485,000 |
THE MONEY SOURCE INC. 135 MAXESS ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 5 | $ 775,000 |
AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WOODLAND HILLS, CA 91367 |
* | $ -1,000 | 5 | $ 645,000 |
DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 5 | $ 395,000 |
FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 4 | $ 320,000 |
STATE FARM BANK, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,696,742,000 | 4 | $ 550,000 |
THE BANK OF MISSOURI 916 N. KINGSHIGHWAY PERRYVILLE, MO 63775 |
* | $ 1,387,961,000 | 4 | $ 950,000 |
FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 HORSHAM, PA 19044 |
* | $ -1,000 | 4 | $ 430,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 4 | $ 370,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ -1,000 | 4 | $ 470,000 |
BANTERRA BANK 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ 1,566,554,000 | 3 | $ 365,000 |
CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 3 | $ 125,000 |
ENDEAVOR CAPITAL, LLC. 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 3 | $ 255,000 |
NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 90,565,764,000 | 3 | $ 325,000 |
TOP FLITE FINANCIAL, INC. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ -1,000 | 3 | $ 275,000 |
CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 435,000 |
TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 3 | $ 435,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 3 | $ 275,000 |
ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ -1,000 | 3 | $ 245,000 |
CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 121,995,997,000 | 3 | $ 625,000 |
LAKEVIEW LOAN SERVICING, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 3 | $ 235,000 |
GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 3 | $ 305,000 |
HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 515,000 |
PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 3 | $ 335,000 |
FIRST SOUTHERN BANK. 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 677,277,000 | 3 | $ 215,000 |
FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 16,855,693,000 | 2 | $ 280,000 |
BARRINGTON BANK & TRUST COMPANY, N.A. 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 2 | $ 220,000 |
FINANCE OF AMERICA REVERSE LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 2 | $ 120,000 |
ALLIANT CREDIT UNION 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 9,696,344,000 | 2 | $ 170,000 |
AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 20,000 |
FAMILY FINANCE MORTGAGE, LLC 1787 JEFFCO BLVD ARNOLD, MO 63010 |
* | $ -1,000 | 2 | $ 180,000 |
PLANET HOME LENDING, LLC 321 RESEARCH PARKWAY STE 300 MERIDEN, CT 06540 |
* | $ -1,000 | 2 | $ 260,000 |
MID-CONTINENT FUNDING, INC. 3401 W BROADWAY BUSINESS PARK CT STE 213 COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 100,000 |
TRIAD FINANCIAL SERVICES, INC. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 240,000 |
ALLIED FIRST BANK,SB 3201 ORCHARD RD OSWEGO, IL 60543 |
* | $ 93,722,000 | 1 | $ 255,000 |
BOKF, NATIONAL ASSOCIATION ONE WEST 3RD, 5TH FL TULSA, OK 74103 |
* | $ 32,217,466,000 | 1 | $ 295,000 |
BANK OF HOPE 3200 WILSHIRE BLVD LOS ANGELES, CA 90010 |
* | $ 14,201,986,000 | 1 | $ 105,000 |
SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 1 | $ 165,000 |
ADMIRALS BANK 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 287,783,000 | 1 | $ 25,000 |
BRIDGEVIEW BANK GROUP 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,175,351,000 | 1 | $ 65,000 |
SCOTT CREDIT UNION 101 CREDIT UNION WAY EDWARDSVILLE, IL 62025 |
* | $ 1,115,637,000 | 1 | $ 55,000 |
TOGETHER CREDIT UNION MICHAEL DOUGHERTY 1001 LYNCH ST., MO 63118 |
* | $ 1,661,974,000 | 1 | $ 115,000 |
CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 1 | $ 115,000 |
BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 1 | $ 135,000 |
HOMESITE MORTGAGE, LLC 13001 23 MILE RD, SUITE 101 SHELBY TWP, MI 48315 |
* | $ -1,000 | 1 | $ 65,000 |
SUN WEST MORTGAGE COMPANY, INC. 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 105,000 |
NORTH AMERICAN SAVINGS BANK, F.S.B. 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,995,487,000 | 1 | $ 285,000 |
DELMAR FINANCIAL COMPANY 1066 EXECUTIVE PARKWAY SUITE 100 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 85,000 |
OAKSTAR BANK 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 715,005,000 | 1 | $ 605,000 |
FOUR POINTS 510 N 127TH ST OMAHA, NE 68154 |
* | $ 124,488,000 | 1 | $ 45,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 75,000 |
CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,384,707,000,000 | 1 | $ 25,000 |
MRV BANKS 871 STE. GENEVIEVE DRIVE STE. GENEVIEVE, MO 63670 |
* | $ 306,943,000 | 1 | $ 55,000 |
EVERETT FINANCIAL, INC. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 145,000 |
FIRST NATIONAL BANK PO BOX 700 PARAGOULD, AR 72451 |
* | $ 1,319,903,000 | 1 | $ 165,000 |
SUNTRUST BANKS, INC. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 201,637,519,000 | 1 | $ 85,000 |
WYNDHAM CAPITAL MORTGAGE, INC. 6115 PARK SOUTH DRIVE, STE 200 CHARLOTTE, NC 28210 |
* | $ -1,000 | 1 | $ 165,000 |
MEMBERS MORTGAGE SERVICES, L.L.C. 200 E 1ST AVE HUTCHINSON, KS 67501 |
* | $ -1,000 | 1 | $ 145,000 |
SIMMONS BANK 501 MAIN PINE BLUFF, AR 71601 |
* | $ 9,380,854,000 | 1 | $ 55,000 |
GREAT SOUTHERN BANK 218 S GLENSTONE AVE SPRINGFIELD, MO 65802 |
* | $ 4,417,210,000 | 1 | $ 125,000 |
NEWREZ LLC 4000 CHEMICAL ROAD SUITE 200 PLYMOUTH MEETING, PA 19462 |
* | $ -1,000 | 1 | $ 65,000 |
BROKER SOLUTIONS, INC. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 165,000 |
MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 14,726,156,000 | 1 | $ 75,000 |
GATEWAY MORTGAGE GROUP, LLC 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ -1,000 | 1 | $ 95,000 |
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 | 493 | $52,505,000 | $106,000 | $415,000 | $61,000 | $530,000 |
Refinancing | 144 | $15,800,000 | $109,000 | $605,000 | $72,000 | $300,000 |
Cash-out Refinancing | 134 | $14,780,000 | $110,000 | $455,000 | $51,000 | $221,000 |
Other Purpose | 35 | $2,135,000 | $61,000 | $255,000 | $71,000 | $372,000 |
Home Improvement | 34 | $1,990,000 | $58,000 | $205,000 | $70,000 | $300,000 |
Not Applicable | 16 | $1,410,000 | $88,000 | $365,000 | $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 | 638 | $65,710,000 | $102,000 | $595,000 | $63,000 | $530,000 |
Not applicable | 158 | $17,240,000 | $109,000 | $605,000 | $58,000 | $84,000 |
Not Provided | 43 | $3,655,000 | $85,000 | $165,000 | $55,000 | $154,000 |
Hispanic | 9 | $995,000 | $110,000 | $215,000 | $72,000 | $95,000 |
Black or African American | 5 | $605,000 | $121,000 | $195,000 | $53,000 | $73,000 |
American Indian or Alaskan Native | 3 | $415,000 | $138,000 | $325,000 | $36,000 | $56,000 |
Asian | 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) | 438 | $44,940,000 | $102,000 | $605,000 | $72,000 | $530,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 184 | $16,690,000 | $90,000 | $175,000 | $42,000 | $82,000 |
FHA-insured (Federal Housing Administration) | 144 | $13,870,000 | $96,000 | $275,000 | $46,000 | $168,000 |
VA-guaranteed (Veterans Administration) | 90 | $13,120,000 | $145,000 | $375,000 | $64,000 | $177,000 |
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 | 409 | $43,865,000 | $107,000 | $605,000 | $68,000 | $530,000 |
Loan Purchased By The Institution | 172 | $19,010,000 | $110,000 | $375,000 | $66,000 | $209,000 |
Application Denied By Financial Institution | 164 | $15,050,000 | $91,000 | $605,000 | $53,000 | $300,000 |
Application Withdrawn By Applicant | 67 | $6,885,000 | $102,000 | $425,000 | $54,000 | $165,000 |
File Closed For Incompleteness | 33 | $2,805,000 | $85,000 | $255,000 | $55,000 | $280,000 |
Application Approved But Not Accepted | 11 | $1,005,000 | $91,000 | $215,000 | $64,000 | $150,000 |
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 | 682 | $72,420,000 | $106,000 | $605,000 | $65,000 | $530,000 |
Credit History | 55 | $3,965,000 | $72,000 | $185,000 | $56,000 | $263,000 |
Debt-To-Income Ratio | 44 | $4,620,000 | $105,000 | $325,000 | $50,000 | $209,000 |
Collateral | 32 | $3,100,000 | $96,000 | $225,000 | $55,000 | $104,000 |
Credit Application Incomplete | 22 | $1,930,000 | $87,000 | $205,000 | $68,000 | $300,000 |
Other | 13 | $1,975,000 | $151,000 | $605,000 | $56,000 | $300,000 |
Unverifiable Information | 4 | $240,000 | $60,000 | $95,000 | $39,000 | $55,000 |
Employment History | 3 | $295,000 | $98,000 | $125,000 | $43,000 | $65,000 |
Insufficient Cash (Downpayment, Closing Cost) | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
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.