Find mortgage statistics and lending data for the Washington County NC 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 Washington County NC, 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 | 641 |
Total Mortgage Loan Application Amount | $59,455,000 |
Average Mortgage Loan Application Amount | $92,000 |
Highest Mortgage Loan Application Amount | $699,000 |
Average Applicant Income | $57,000 |
Highest Applicant Income | $425,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
CITIFINANCIAL SERVICES, INC. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 58 | $ 3,519,000 |
BENEFICIAL COMPANY LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 50 | $ 4,315,000 |
BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 117,134,085,000 | 44 | $ 3,600,000 |
COUNTRYWIDE HOME LOANS 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 199,946,230,000 | 28 | $ 3,682,000 |
STATE EMPLOYEES' CREDIT UNION P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 13,957,758,000 | 27 | $ 2,328,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,632,000 |
WEYCO COMMUNITY CREDIT UNION PO BOX 69 PLYMOUTH, NC 27962 |
* | $ 67,312,000 | 19 | $ 1,812,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 19 | $ 2,014,000 |
DELTA FUNDING CORPORATION 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 18 | $ 1,815,000 |
WELLS FARGO BANK, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 518,123,000,000 | 18 | $ 1,235,000 |
HFC COMPANY LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 18 | $ 1,751,000 |
CITIMORTGAGE, INC 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 17 | $ 1,887,000 |
VANDERBILT MORTGAGE 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 16 | $ 1,224,000 |
SOUTHERN BANK AND TRUST COMPANY PO BOX 729 MOUNT OLIVE, NC 28365 |
* | $ 1,121,356,000 | 15 | $ 1,072,000 |
SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 182,588,156,000 | 14 | $ 1,537,000 |
RBC BANK 131 NORTH CHURCH STREET ROCKY MOUNT, NC 27804 |
* | $ 23,114,957,000 | 14 | $ 2,331,000 |
COUNTRYWIDE BANK FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 92,836,714,000 | 13 | $ 1,876,000 |
SLM FINANCIAL CORPORATION 300 CONTINENTAL DRIVE NEWARK, DE 19713 |
* | $ 10,000,000 | 13 | $ 121,000 |
GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,144,000 |
CITICORP TRUST BANK, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 20,349,757,000 | 11 | $ 734,000 |
WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 398,671,000,000 | 11 | $ 1,012,000 |
BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,196,123,794,000 | 9 | $ 1,009,000 |
THE EAST CAROLINA BANK 1816 PROGRESS ROAD GREENVILLE, NC 27834 |
* | $ 623,389,000 | 8 | $ 698,000 |
METAMERICA MORTGAGE 5151 BONNEY ROAD VIRGINIA BEACH, VA 23462 |
* | $ 10,000,000 | 8 | $ 872,000 |
EQUITY ONE 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 21,874,000,000 | 7 | $ 571,000 |
TAYLOR, BEAN & WHITAKER 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 6 | $ 662,000 |
LOCAL GOVERNMENT FEDERAL CREDIT UNION P.O. DRAWER 25279 RALEIGH, NC 27611 |
* | $ 660,146,000 | 6 | $ 513,000 |
JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,179,390,000,000 | 5 | $ 765,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 26,048,419,000 | 5 | $ 608,000 |
GATEWAY BANK MORTGAGE, INC. 901 E CAREY STREET, SUITE 1700 RICHMOND, VA 23219 |
* | $ 1,199,090,000 | 4 | $ 379,000 |
AURORA BANK FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,105,280,000 | 4 | $ 436,000 |
BENCHMARK MORTGAGE, INC 4413 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 4 | $ 261,000 |
WASHINGTON MUTUAL BANK 227 EAST AVENUE ALBION, NY 14411 |
* | $ 345,610,758,000 | 4 | $ 558,000 |
SIDUS FINANCIAL, LLC 1905 TURNBURY DRIVE GREENVILLE, NC 27858 |
* | $ 10,000,000 | 4 | $ 587,000 |
RESMAE MORTGAGE CORPORATION 6 POINTE DRIVE BREA, CA 92821 |
* | $ 10,000,000 | 4 | $ 271,000 |
THE CIT GROUP/CONSUMER FINANCE 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 4 | $ 236,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ 31,000,000 | 3 | $ 248,000 |
FIRST TENNESSEE BANK NA 165 MADISON 5TH FLOOR MEMPHIS, TN 38103 |
* | $ 37,608,492,000 | 3 | $ 273,000 |
OPTION ONE MORTGAGE CORP 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 425,000 |
ACCREDITED HOME LENDERS, INC 15253 AVENUE OF SCIENCE BLDG 1 SAN DIEGO, CA 92128 |
* | $ 10,000,000 | 3 | $ 375,000 |
NFCU 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 27,121,892,000 | 3 | $ 215,000 |
ALLY BANK F/K/A/ GMAC BANK 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 19,937,022,000 | 3 | $ 258,000 |
WELLS FARGO FIN'L NO CAROLINA 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 3 | $ 104,000 |
GATEWAY BANK & TRUST 112 CORPORATE DR ELIZABETH CITY, NC 27909 |
* | $ 1,199,090,000 | 3 | $ 61,000 |
CHASE MANHATTAN BANK USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 83,973,505,000 | 3 | $ 269,000 |
US BANK NORTH DAKOTA 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,419,450,000 | 3 | $ 377,000 |
CAPITAL ONE HOME LOANS, LLC 12800 FOSTER STREET OVERLAND PARK, KS 66213 |
* | $ 88,701,411,000 | 2 | $ 141,000 |
WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 237,000 |
WACHOVIA MORTGAGE CORP 301 S COLLEGE ST CHARLOTTE, NC 28202 |
* | $ 2,687,938,000 | 2 | $ 298,000 |
EQUIFIRST CORPORATION 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 138,667,948,000 | 2 | $ 286,000 |
SUNTRUST BANKS, INC. P.O. BOX 4418, MAIL CODE 663 ATLANTA, GA 30302 |
* | $ 182,588,156,000 | 2 | $ 73,000 |
BANKUNITED, FSB 7815 NW 148TH STREET MIAMI LAKES, FL 33016 |
* | $ 13,799,769,000 | 2 | $ 395,000 |
INDYMAC BANK, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 28,740,902,000 | 2 | $ 260,000 |
BNC MORTGAGE 745 SEVENTH AVENUE, 24TH FLOOR NEW YORK, NY 10019 |
* | $ 2,500,000,000 | 2 | $ 139,000 |
NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 2 | $ 464,000 |
AMERIQUEST MORTGAGE COMPANY 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 241,000 |
NATIONAL CITY BANK 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 134,344,792,000 | 2 | $ 175,000 |
US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 217,802,326,000 | 2 | $ 198,000 |
SAGE CREDIT COMPANY, INC 8001 IRVINE CENTER DRIVE 3200 IRVINE, CA 92618 |
* | $ 2,000,000,000 | 2 | $ 158,000 |
FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 217,000 |
FIRST NLC FINANCIAL SERVICES, 4680 CONFERENCE WAY SOUTH BOCA RATON, FL 33431 |
* | $ 10,000,000 | 2 | $ 170,000 |
ARGENT MORTGAGE COMPANY 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 2 | $ 150,000 |
1ST CHOICE MORTGAGE/EQUITY COR 1021 BRIARGATE CIRCLE COLUMBIA, SC 29210 |
* | $ 10,000,000 | 1 | $ 100,000 |
MORTGAGE IT INC 60 WALL ST NEW YORK, NY 10005 |
* | $ 10,000,000 | 1 | $ 54,000 |
GMFS, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 107,000 |
HOME LOAN CENTER 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 25,000 |
RESIDENTIAL FUNDING CORP. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 14,000 |
AMERIFIRST H.I. FINANCE CO. 4405 SO 96TH STREET OMAHA, NE 68127 |
* | $ 10,000,000 | 1 | $ 39,000 |
CITIBANK, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 65,000 |
HOMECOMINGS FINANCIAL LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 133,000 |
CARDINAL FINANCIAL COMPANY 444 JACKSONVILLE ROAD WARMINSTER, PA 18974 |
* | $ 10,000,000 | 1 | $ 112,000 |
CASTLE POINT MORTGAGE, INC. 7 ENTIN ROAD, STE. 102 PARSIPPANY, NJ 07054 |
* | $ 16,999,000 | 1 | $ 48,000 |
GREENLIGHT FINANCIAL SERVICES 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 65,000 |
ALLIED HOME MTG CAPITAL CORP 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 139,000 |
FREEDOM MORTGAGE CORP. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 130,000 |
GREENTREE MORTGAGE COMPANY, L.P. 2 EASTWICK DRIVE, SUITE 300 GIBBSBORO, NJ 08026 |
* | $ 31,000,000 | 1 | $ 189,000 |
FIRST FRANKLIN FINANCIAL CORP 2150 NORTH FIRST STREET SAN JOSE, CA 95131 |
* | $ 14,004,000 | 1 | $ 110,000 |
CORINTHIAN MORTGAGE CORP 5750 W 95TH STREET, SUITE 155 OVERLAND PARK, KS 66207 |
* | $ 341,661,000 | 1 | $ 40,000 |
PENTAGON FEDERAL CREDIT UNION 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 9,339,663,000 | 1 | $ 143,000 |
STATE DEPARTMENT FEDERAL CREDIT UNION 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 863,451,000 | 1 | $ 130,000 |
HOME LOAN INVESTMENT BANK ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 254,471,000 | 1 | $ 169,000 |
WACHOVIA MORTGAGE FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 146,260,800,000 | 1 | $ 249,000 |
COMMUNITY FIRST BANK 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 72,969,000 | 1 | $ 137,000 |
AMERICAN STERLING BANK 535 S STERLING SUGAR CREEK, MO 64054 |
* | $ 249,142,000 | 1 | $ 150,000 |
UNION FEDERAL SAVINGS BANK 1565 MINERAL SPRING AVENUE NORTH PROVIDENCE, RI 02904 |
* | $ 43,993,000 | 1 | $ 100,000 |
FRANKLIN FIRST FINANCIAL, LTD 538 BROADHOLLOW ROAD MELVILLE, NY 11747 |
* | $ 36,249,000 | 1 | $ 145,000 |
AMTRUST BANK 1801 E. 9TH ST #200 CLEVELAND, OH 44114 |
* | $ 18,091,851,000 | 1 | $ 128,000 |
LENDMARK FINANCIAL SERVICES 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 42,000 |
LENDMARK MORTGAGE AND FINANCE 223 W NASH STREET WILSON, NC 27893 |
* | $ 344,674,148,000 | 1 | $ 45,000 |
NORTH AMERICAN SAVINGS BANK 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,539,389,000 | 1 | $ 93,000 |
ELOAN 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 1 | $ 25,000 |
FIRST SOUTH BANK 1311 CAROLINA AVE WASHINGTON, NC 27889 |
* | $ 908,354,000 | 1 | $ 280,000 |
TOWNE BANK 5716 HIGH STREET WEST PORTSMOUTH, VA 23703 |
* | $ 2,194,499,000 | 1 | $ 67,000 |
REGIONS BANK 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,667,948,000 | 1 | $ 3,000 |
ABN AMRO MTG GROUP INC 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 1 | $ 128,000 |
HSBC BANK USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 165,673,017,000 | 1 | $ 140,000 |
EQUITY BANK 7701 E KELLOGG STE 200 WICHITA, KS 67207 |
* | $ 186,111,000 | 1 | $ 72,000 |
WELLS FARGO FIN'L ILLINOIS INC 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 1 | $ 50,000 |
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 |
---|---|---|---|---|---|---|
Refinancing | 408 | $40,361,000 | $98,000 | $699,000 | $56,000 | $330,000 |
Home Purchase | 148 | $15,098,000 | $102,000 | $414,000 | $61,000 | $339,000 |
Home Improvement | 85 | $3,996,000 | $47,000 | $190,000 | $54,000 | $425,000 |
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 | 282 | $29,399,000 | $104,000 | $699,000 | $69,000 | $425,000 |
Black or African American | 211 | $17,274,000 | $81,000 | $414,000 | $48,000 | $204,000 |
Not Provided | 114 | $9,358,000 | $82,000 | $324,000 | $49,000 | $182,000 |
Not applicable | 26 | $2,445,000 | $94,000 | $280,000 | $35,000 | $141,000 |
Hispanic | 3 | $408,000 | $136,000 | $250,000 | $44,000 | $92,000 |
American Indian or Alaskan Native | 2 | $309,000 | $154,000 | $185,000 | $35,000 | $39,000 |
Asian | 2 | $207,000 | $103,000 | $184,000 | $140,000 | $140,000 |
Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $43,000 | $43,000 |
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) | 609 | $55,547,000 | $91,000 | $699,000 | $57,000 | $425,000 |
FHA-insured (Federal Housing Administration) | 26 | $3,184,000 | $122,000 | $189,000 | $49,000 | $108,000 |
VA-guaranteed (Veterans Administration) | 4 | $540,000 | $135,000 | $190,000 | $42,000 | $87,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $184,000 | $92,000 | $96,000 | $33,000 | $35,000 |
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 | 241 | $21,128,000 | $87,000 | $396,000 | $62,000 | $339,000 |
Application Denied By Financial Institution | 198 | $17,101,000 | $86,000 | $414,000 | $46,000 | $229,000 |
Application Withdrawn By Applicant | 81 | $8,556,000 | $105,000 | $699,000 | $54,000 | $330,000 |
Loan Purchased By The Institution | 62 | $7,102,000 | $114,000 | $348,000 | $63,000 | $339,000 |
Application Approved But Not Accepted | 47 | $3,819,000 | $81,000 | $324,000 | $66,000 | $425,000 |
File Closed For Incompleteness | 11 | $1,684,000 | $153,000 | $283,000 | $80,000 | $135,000 |
Preapproval Approved but not Accepted | 1 | $65,000 | $65,000 | $65,000 | $23,000 | $23,000 |
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 |
---|---|---|---|---|---|---|
Credit History | 39 | $3,304,000 | $84,000 | $414,000 | $42,000 | $100,000 |
Other | 23 | $2,253,000 | $97,000 | $178,000 | $35,000 | $122,000 |
Debt-To-Income Ratio | 18 | $1,786,000 | $99,000 | $249,000 | $42,000 | $108,000 |
Collateral | 15 | $1,362,000 | $90,000 | $158,000 | $44,000 | $88,000 |
Credit Application Incomplete | 4 | $653,000 | $163,000 | $280,000 | $86,000 | $229,000 |
Insufficient Cash (Downpayment, Closing Cost) | 3 | $278,000 | $92,000 | $95,000 | $46,000 | $101,000 |
Employment History | 2 | $68,000 | $34,000 | $40,000 | $105,000 | $204,000 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Unverifiable Information | 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 North Carolina, and search similar information back through 2003.