Find mortgage statistics and lending data for the Yates County NY 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 Yates County NY, 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 | 899 |
Total Mortgage Loan Application Amount | $117,191,000 |
Average Mortgage Loan Application Amount | $130,000 |
Highest Mortgage Loan Application Amount | $1,300,000 |
Average Applicant Income | $93,000 |
Highest Applicant Income | $1,472,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
THE LYONS NATIONAL BANK 35 WILLIAM STREET LYONS, NY 14489 |
* | $ 867,466,000 | 156 | $ 24,234,000 |
COMMUNITY BANK, NATIONAL ASSOCIATION 45-49 COURT STREET CANTON, NY 13617 |
* | $ 8,494,486,000 | 94 | $ 5,359,000 |
FIVE STAR BANK 55 NORTH MAIN ST WARSAW, NY 14569 |
* | $ 3,356,987,000 | 85 | $ 7,658,000 |
SERVU FEDERAL CREDIT UNION 9823 SCIENCE CENTER DRIVE PAINTED POST, NY 14870 |
* | $ 265,959,000 | 60 | $ 1,495,000 |
FAIRPORT SAVINGS BANK 45 S. MAIN STREET FAIRPORT, NY 14450 |
* | $ 254,534,000 | 45 | $ 4,205,000 |
MANUFACTURERS AND TRADERS TRUST COMPANY 701 SENECA STREET - SUITE 330N BUFFALO, NY 14210 |
* | $ 122,099,687,000 | 33 | $ 3,569,000 |
WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 WINSTON-SALEM, NC 27150 |
* | $ 1,610,580,000,000 | 32 | $ 6,162,000 |
HOME TOWN FUNDING, INC. 63 A MONROE AVENUE PITTSFORD, NY 14534 |
* | $ 1,540,588,000 | 29 | $ 8,335,000 |
FINGER LAKES 27 SENECA ST, PO BOX 433 GENEVA, NY 14456 |
* | $ 106,718,000 | 27 | $ 1,687,000 |
RELIANT COMMUNITY FEDERAL CREDIT UNION 10 BENTON PLACE SODUS, NY 14551 |
* | $ 395,581,000 | 23 | $ 1,233,000 |
THE CANANDAIGUA NATIONAL BANK AND TRUST COMPANY 72 SOUTH MAIN ST CANANDAIGUA, NY 14424 |
* | $ 2,247,579,000 | 18 | $ 5,662,000 |
ESL FEDERAL CREDIT UNION 225 CHESTNUT STREET ROCHESTER, NY 14604 |
* | $ 5,666,403,000 | 17 | $ 1,844,000 |
LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE FOOTHILL RANCH, CA 92610 |
* | $ 138,031,000 | 16 | $ 2,575,000 |
GENESEE REGIONAL BANK 1850 SOUTH WINTON ROAD ROCHESTER, NY 14618 |
* | $ 461,038,000 | 13 | $ 2,752,000 |
FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 11 | $ 1,575,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 10 | $ 1,359,000 |
PREMIUM MORTGAGE CORPORATION 2541 MONROE AVE ROCHESTER, NY 14618 |
* | $ 16,241,000 | 9 | $ 1,883,000 |
FARM CREDIT EAST, ACA 240 SOUTH ROAD ENFIELD, CT 06082 |
* | $ 4,520,676,000 | 9 | $ 1,634,000 |
USNY BANK 389 HAMILTON STREET GENEVA, NY 14456 |
* | $ 256,688,000 | 8 | $ 1,424,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 1,055,000 |
1ST ALLIANCE LENDING, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 8 | $ 933,000 |
BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 8 | $ 1,701,000 |
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 8 | $ 1,949,000 |
FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 7 | $ 946,000 |
CORNING ONE CREDIT UNION PLAZA CORNING, NY 14830 |
* | $ 1,172,144,000 | 7 | $ 1,855,000 |
ELMIRA SAVINGS BANK 333 E WATER ST ELMIRA, NY 14901 |
* | $ 561,485,000 | 6 | $ 612,000 |
GENERATIONS BANK 20 EAST BAYARD STREET SENECA FALLS, NY 13148 |
* | $ 280,791,000 | 5 | $ 426,000 |
NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 5 | $ 936,000 |
CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 108,064,717,000 | 5 | $ 936,000 |
PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 4 | $ 714,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 244,000 |
NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 652,000 |
AMERICAN ADVISORS GROUP 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 4 | $ 163,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 620,000 |
CHEMUNG CANAL TRUST COMPANY ONE CHEMUNG CANAL PLAZA ELMIRA, NY 14901 |
* | $ 1,618,794,000 | 3 | $ 864,000 |
MB FINANCIAL BANK, NATIONAL ASSOCIATION 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 15,536,515,000 | 3 | $ 554,000 |
CREDIT HUMAN FEDERAL CREDIT UNION 6061 IH 10 WEST SAN ANTONIO, TX 78201 |
* | $ 2,801,773,000 | 3 | $ 184,000 |
SUNTRUST MORTGAGE, INC. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 186,710,993,000 | 3 | $ 473,000 |
MORGAN STANLEY PRIVATE BANK, NATIONAL ASSOCIATION 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 42,042,000,000 | 2 | $ 801,000 |
HOME LOAN INVESTMENT BANK, F.S.B. ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 224,192,000 | 2 | $ 39,000 |
NBT BANK, NATIONAL ASSOCIATION 52 S BROAD ST NORWICH, NY 13815 |
* | $ 8,198,830,000 | 2 | $ 350,000 |
PEOPLES BANK 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 2 | $ 469,000 |
FIRST WESTERN TRUST BANK 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 819,504,000 | 2 | $ 306,000 |
EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ 10,000,000 | 2 | $ 565,000 |
SENECA SAVINGS 35 OSWEGO ST. BALDWINSVILLE, NY 13027 |
* | $ 138,017,000 | 2 | $ 95,000 |
MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 2 | $ 162,000 |
FLAGSTAR BANK, FSB 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 13,649,486,000 | 2 | $ 296,000 |
CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,128,427,000 | 2 | $ 130,000 |
PROSPECT MORTGAGE, LLC 15301 VENTURA BLVD SUITE D300 SHERMAN OAKS, CA 91403 |
* | $ 10,000,000 | 2 | $ 180,000 |
GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 2 | $ 503,000 |
PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 2 | $ 273,000 |
RELIANCE FIRST CAPITAL, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 300,000 |
NORTHWEST BANK 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 8,993,107,000 | 2 | $ 665,000 |
CARRINGTON MORTGAGE SERVICES, LLC 1600 SO. DOUGLASS RD, SUITES 110 & 200A ANAHEIM, CA 92806 |
* | $ 945,758,000 | 2 | $ 179,000 |
VISIONS 3301 COUNTRY CLUB ROAD ENDWELL, NY 13760 |
* | $ 3,479,565,000 | 2 | $ 232,000 |
PITTSFORD FEDERAL CREDIT UNION 20 TOBEY VILLAGE RD, PO BOX 346 PITTSFORD, NY 14534 |
* | $ 371,191,000 | 1 | $ 210,000 |
FAMILY FIRST OF NY 2520 BROWNCROFT BLVD ROCHESTER, NY 14625 |
* | $ 170,180,000 | 1 | $ 372,000 |
XCEED FINANCIAL 888 N. NASH ST EL SEGUNDO, CA 90245 |
* | $ 942,019,000 | 1 | $ 220,000 |
JERSEY SHORE STATE BANK 300 MARKET STREET WILLIAMSPORT, PA 17701 |
* | $ 965,803,000 | 1 | $ 132,000 |
LUXURY MORTGAGE CORP. FOUR LANDMARK SQUARE SUITE 300 STAMFORD, CT 06901 |
* | $ 10,000,000 | 1 | $ 375,000 |
CALIBER HOME LOANS, INC. 1525 S. BELTLINE ROAD COPPELL, TX 75019 |
* | $ 1,543,699,000 | 1 | $ 125,000 |
HUNT MORTGAGE CORPORATION 5400 BROADWAY STREET LANCASTER, NY 14086 |
* | $ 10,000,000 | 1 | $ 236,000 |
HOME POINT FINANCIAL CORPORATION 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 173,000 |
ADVISORS MORTGAGE GROUP, L.L.C. 1411 HIGHWAY 35 OCEAN, NJ 07712 |
* | $ 18,193,000 | 1 | $ 339,000 |
FINANCE OF AMERICA MORTGAGE LLC 300 WELSH ROAD BUILDING 5 HORSHAM, PA 19044 |
* | $ 10,000,000 | 1 | $ 140,000 |
JET DIRECT FUNDING CORP 111 WEST MAIN STREET, STE 110 BAY SHORE, NY 11706 |
* | $ 1,192,000 | 1 | $ 146,000 |
FIRST CITIZENS COMMUNITY BANK 15 S. MAIN STREET MANSFIELD, PA 16933 |
* | $ 1,160,219,000 | 1 | $ 170,000 |
ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 1 | $ 139,000 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 167,000 |
HOMESTEAD FUNDING CORP. 8 AIRLINE DRIVE ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 77,000 |
1ST PRIORITY MORTGAGE, INC. 6000 SHERIDAN DRIVE WILLIAMSVILLE, NY 14221 |
* | $ 10,000,000 | 1 | $ 125,000 |
ATLANTA POSTAL 1605 BOGGS ROAD DULUTH, GA 30096 |
* | $ 2,039,162,000 | 1 | $ 50,000 |
UNITED SHORE FINANCIAL SERVICES, LLC 1414 EAST MAPLE ROAD TROY, MI 48083 |
* | $ 10,000,000 | 1 | $ 60,000 |
CAPITAL ONE, NATIONAL ASSOCIATION 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 360,000 |
CITIZENS & NORTHERN BANK PO BOX 58, ADMINISTRATION BUILDING WELLSBORO, PA 16901 |
* | $ 1,209,389,000 | 1 | $ 365,000 |
BANK OF AKRON 46 MAIN STREET AKRON, NY 14001 |
* | $ 273,532,000 | 1 | $ 312,000 |
BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 318,361,000 | 1 | $ 71,000 |
AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 1 | $ 417,000 |
THE NORTHERN TRUST COMPANY 50 S. LA SALLE CHICAGO, IL 60603 |
* | $ 116,390,764,000 | 1 | $ 270,000 |
KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 93,038,275,000 | 1 | $ 450,000 |
TD BANK, NATIONAL ASSOCIATION 2035 LIMESTONE ROAD WILMINGTON, DE 19808 |
* | $ 246,485,756,000 | 1 | $ 170,000 |
FIRST NIAGARA BANK 726 EXCHANGE STREET SUITE 618 BUFFALO, NY 14210 |
* | $ 39,860,456,000 | 1 | $ 177,000 |
PENTAGON FEDERAL CREDIT UNION 7940 JONES BRANCH DRIVE TYSONS, VA 22102 |
* | $ 19,460,442,000 | 1 | $ 104,000 |
COLONIAL SAVINGS, F.A. P O BOX 2988 FORT WORTH, TX 76113 |
* | $ 961,290,000 | 1 | $ 74,000 |
CORE FEDERAL CREDIT UNION 7200 KIRKVILLE RD EAST SYRACUSE, NY 13057 |
* | $ 100,701,000 | 1 | $ 5,000 |
EMPOWER FEDERAL CREDIT UNION 1 MEMBER WAY SYRACUSE, NY 13212 |
* | $ 1,381,536,000 | 1 | $ 25,000 |
COUNTRYSIDE FEDERAL CREDIT UNION 5720 COMMONS PARK EAST SYRACUSE, NY 13057 |
* | $ 134,741,000 | 1 | $ 160,000 |
FIRST NORTHERN BANK AND TRUST COMPANY P.O. BOX 217 PALMERTON, PA 18071 |
* | $ 677,681,000 | 1 | $ 75,000 |
FIRST INTERNET BANK OF INDIANA 11201 USA PARKWAY FISHERS, IN 46037 |
* | $ 1,267,342,000 | 1 | $ 263,000 |
OWNERSCHOICE FUNDING, INCORPORATED 1021 WATERVLIET-SHAKER ROAD ALBANY, NY 12205 |
* | $ 10,000,000 | 1 | $ 65,000 |
WOODFOREST NATIONAL BANK 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,654,173,000 | 1 | $ 40,000 |
BARRINGTON BANK & TRUST COMPANY, N.A. 201 S. HOUGH STREET BARRINGTON, IL 60010 |
* | $ 1,949,868,000 | 1 | $ 128,000 |
BALLSTON SPA NATIONAL BANK PO BOX 70 BALLSTON SPA, NY 12020 |
* | $ 442,246,000 | 1 | $ 109,000 |
MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 150,000 |
THE UPSTATE NATIONAL BANK 150 STATE ST ROCHESTER, NY 14614 |
* | $ 100,864,000 | 1 | $ 340,000 |
TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 26,594,410,000 | 1 | $ 15,000 |
TRUIST BANK 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 1 | $ 129,000 |
CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 130,000 |
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 | 436 | $70,463,000 | $161,000 | $731,000 | $110,000 | $1,472,000 |
Refinancing | 255 | $38,471,000 | $150,000 | $1,300,000 | $88,000 | $686,000 |
Home Improvement | 208 | $8,257,000 | $39,000 | $381,000 | $65,000 | $395,000 |
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 | 790 | $104,706,000 | $132,000 | $1,300,000 | $100,000 | $1,472,000 |
Not applicable | 63 | $6,873,000 | $109,000 | $417,000 | $20,000 | $160,000 |
Not Provided | 31 | $4,304,000 | $138,000 | $417,000 | $95,000 | $395,000 |
Hispanic | 8 | $856,000 | $107,000 | $380,000 | $94,000 | $426,000 |
American Indian or Alaskan Native | 5 | $319,000 | $63,000 | $95,000 | $57,000 | $70,000 |
Asian | 2 | $133,000 | $66,000 | $129,000 | $39,000 | $62,000 |
Black or African American | 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) | 716 | $95,865,000 | $133,000 | $1,300,000 | $106,000 | $1,472,000 |
FHA-insured (Federal Housing Administration) | 125 | $12,994,000 | $103,000 | $339,000 | $43,000 | $126,000 |
VA-guaranteed (Veterans Administration) | 44 | $6,943,000 | $157,000 | $340,000 | $52,000 | $222,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,389,000 | $99,000 | $147,000 | $33,000 | $83,000 |
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 | 553 | $70,992,000 | $128,000 | $1,300,000 | $102,000 | $1,472,000 |
Application Denied By Financial Institution | 151 | $15,535,000 | $102,000 | $446,000 | $66,000 | $337,000 |
Loan Purchased By The Institution | 99 | $16,442,000 | $166,000 | $1,300,000 | $91,000 | $1,472,000 |
Application Withdrawn By Applicant | 46 | $5,840,000 | $126,000 | $385,000 | $69,000 | $299,000 |
Application Approved But Not Accepted | 32 | $6,545,000 | $204,000 | $673,000 | $140,000 | $382,000 |
File Closed For Incompleteness | 18 | $1,837,000 | $102,000 | $178,000 | $60,000 | $148,000 |
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 |
---|---|---|---|---|---|---|
Debt-To-Income Ratio | 39 | $5,516,000 | $141,000 | $446,000 | $72,000 | $337,000 |
Credit History | 32 | $2,213,000 | $69,000 | $295,000 | $52,000 | $116,000 |
Collateral | 16 | $2,223,000 | $138,000 | $320,000 | $110,000 | $269,000 |
Other | 14 | $1,396,000 | $99,000 | $263,000 | $61,000 | $228,000 |
Credit Application Incomplete | 5 | $634,000 | $126,000 | $200,000 | $94,000 | $257,000 |
Mortgage Insurance Denied | 2 | $157,000 | $78,000 | $95,000 | $32,000 | $42,000 |
Unverifiable Information | 1 | $40,000 | $40,000 | $40,000 | $40,000 | $40,000 |
Employment History | 1 | $72,000 | $72,000 | $72,000 | $35,000 | $35,000 |
Insufficient Cash (Downpayment, Closing Cost) | 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 New York, and search similar information back through 2003.