Find mortgage statistics and lending data for the Cedar County IA metro area.
With the lists below, you can explore the total number of mortgage applications and mortgage lending details for 2003-2021.
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 Cedar County IA, 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 | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 1,109 |
Total Mortgage Loan Application Amount | $131,239,000 |
Average Mortgage Loan Application Amount | $118,000 |
Highest Mortgage Loan Application Amount | $718,000 |
Average Applicant Income | $70,000 |
Highest Applicant Income | $3,618,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
HILLS BANK AND TRUST COMPANY 131 EAST MAIN ST / PO BOX 160 HILLS, IA 52235 |
* | $ 1,829,259,000 | 113 | $ 13,160,000 |
BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 105 | $ 13,359,000 |
WELLS FARGO BANK, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 102 | $ 11,590,000 |
US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 89 | $ 10,173,000 |
JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 53 | $ 7,422,000 |
NEW YORK COMMUNITY BANK 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 46 | $ 6,239,000 |
BRIDGE COMMUNITY BANK 405 E 5TH STREET PO BOX 580 SOLON, IA 52333 |
* | $ 59,086,000 | 43 | $ 4,197,000 |
GREENSTATE CREDIT UNION 2355 LANDON RD NORTH LIBERTY, IA 52317 |
* | $ 897,064,000 | 42 | $ 5,094,000 |
MIDWESTONE BANK 102 SOUTH CLINTON STREET IOWA CITY, IA 52240 |
* | $ 1,527,865,000 | 36 | $ 4,432,000 |
US BANK NORTH DAKOTA 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 35 | $ 2,448,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 24 | $ 3,167,000 |
TRIUMPH COMMUNITY BANK NA 2040 1ST STREET A MOLINE, IL 61265 |
* | $ 1,257,778,000 | 20 | $ 3,008,000 |
CITIMORTGAGE, INC 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 17 | $ 1,911,000 |
CITIZENS SAVINGS BANK 215 EAST MAIN STREET ANAMOSA, IA 52205 |
* | $ 104,442,000 | 17 | $ 1,435,000 |
RESIDENTIAL MORTGAGE NETWORK, INC. 2461 10TH STREET SUITE 308 CORALVILLE, IA 52241 |
* | $ 10,000,000 | 17 | $ 1,966,000 |
VALLEY BANK 3455 AVENUE OF THE CITIES MOLINE, IL 61265 |
* | $ 631,277,000 | 16 | $ 2,039,000 |
WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 16 | $ 2,016,000 |
I. H. MISSISSIPPI VALLEY CREDIT UNION 2121 47TH STREET MOLINE, IL 61265 |
* | $ 772,761,000 | 15 | $ 1,182,000 |
GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 15 | $ 1,643,000 |
ALLY BANK F/K/A/ GMAC BANK 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 14 | $ 1,644,000 |
IOWA BANKERS MORTGAGE CORPORAT 8800 NW 62ND AVE PO BOX 6220 JOHNSTON, IA 50131 |
* | $ 10,000,000 | 13 | $ 1,495,000 |
AMERICAN BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 4301 E 53RD STREET DAVENPORT, IA 52807 |
* | $ 611,474,000 | 13 | $ 2,009,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ 31,000,000 | 13 | $ 1,601,000 |
FRANKLIN AMERICAN MORTGAGE CO 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 12 | $ 1,501,000 |
COLLINS COMMUNITY CREDIT UNION 1150 42ND STREET NE CEDAR RAPIDS, IA 52402 |
* | $ 544,990,000 | 10 | $ 1,223,000 |
ASCENTRA PO BOX 1107 BETTENDORF, IA 52722 |
* | $ 195,313,000 | 10 | $ 851,000 |
VERIDIAN CREDIT UNION 1827 ANSBOROUGH AVE WATERLOO, IA 50701 |
* | $ 1,689,420,000 | 10 | $ 1,451,000 |
MOUNT VERNON BANK AND TRUST COMPANY 206 FIRST ST SW MOUNT VERNON, IA 52314 |
* | $ 89,430,000 | 9 | $ 601,000 |
NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 9 | $ 1,082,000 |
CITIFINANCIAL, INC. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 7 | $ 422,000 |
FLAGSTAR BANK 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 7 | $ 1,008,000 |
R.I.A. FEDERAL CREDIT UNION PO BOX 4750 ROCK ISLAND, IL 61204 |
* | $ 286,777,000 | 6 | $ 403,000 |
CITIZENS STATE BANK 117 W 1ST ST (PO BOX 517) MONTICELLO, IA 52310 |
* | $ 285,967,000 | 6 | $ 654,000 |
NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. FULTON, MD 20759 |
* | $ 4,088,336,000 | 6 | $ 691,000 |
BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 5 | $ 800,000 |
FIRST TRUST AND SAVINGS BANK 123 S. MAIN STREET WHEATLAND, IA 52777 |
* | $ 110,740,000 | 5 | $ 568,000 |
SOLON STATE BANK 126 SOUTH MARKET ST P.O. BOX 129 SOLON, IA 52333 |
* | $ 86,041,000 | 4 | $ 744,000 |
GUARANTY BANK, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 4 | $ 403,000 |
SHELTER MORTGAGE COMPANY, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 4 | $ 403,000 |
FIRST STATE MORTGAGE SERVICES, LLC 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 4 | $ 706,000 |
AMERICAN SOUTHWEST MORTGAGE CORP. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 600,000 |
FARM CREDIT SERVICES OF AMERICA, FLCA 5015 S 118TH ST OMAHA, NE 68137 |
* | $ 10,000,000 | 4 | $ 1,188,000 |
CHERRY CREEK MORTGAGE CO., INC 7600 EAST ORCHARD RD., STE 250-N GREENWOOD VILLAGE, CO 80111 |
* | $ 10,000,000 | 3 | $ 303,000 |
INLANTA MORTGAGE, INC. W239 N3490 PEWAUKEE ROAD, STE.200 PEWAUKEE, WI 53072 |
* | $ 39,000,000 | 3 | $ 391,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 3 | $ 169,000 |
BANKIOWA OF CEDAR RAPIDS 7045 C AVE NE CEDAR RAPIDS, IA 52402 |
* | $ 422,223,000 | 3 | $ 249,000 |
DUPACO COMMUNITY PO BOX 179 DUBUQUE, IA 52004 |
* | $ 778,143,000 | 3 | $ 325,000 |
UNIVERSAL LENDING CORPORATION 6775 EAST EVANS AVE. DENVER, CO 80224 |
* | $ 10,000,000 | 3 | $ 242,000 |
WESTSTAR MORTGAGE, INC. 3350 COMMISSION COURT WOODBRIDGE, VA 22192 |
* | $ 10,000,000 | 3 | $ 297,000 |
HOME LOAN CENTER 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 431,000 |
ASSOCIATED BANK, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 3 | $ 329,000 |
CITICORP TRUST BANK, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 17,832,340,000 | 3 | $ 369,000 |
SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 3 | $ 459,000 |
CITIZENS STATE BANK 114 W MAIN ST, PO BOX 198 WYOMING, IA 52362 |
* | $ 83,765,000 | 3 | $ 129,000 |
QUAD CITY BANK AND TRUST COMPANY 2118 MIDDLE ROAD BETTENDORF, IA 52722 |
* | $ 975,759,000 | 2 | $ 229,000 |
FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 256,000 |
BANK OF THE WEST 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 60,000,590,000 | 2 | $ 62,000 |
FIRST AMERICAN BANK 1207 CENTRAL AVE FORT DODGE, IA 50501 |
* | $ 1,682,356,000 | 2 | $ 234,000 |
FARMERS & MERCHANTS SAVINGS BANK PO BOX 588 101 E MAIN ST MANCHESTER, IA 52057 |
* | $ 261,156,000 | 2 | $ 201,000 |
AMERICAN BANK 9001 EDMONSTON ROAD, SUITE 100 GREENBELT, MD 20770 |
* | $ 507,491,000 | 2 | $ 304,000 |
TWO RIVERS BANK & TRUST 222 N. MAIN ST BURLINGTON, IA 52601 |
* | $ 542,022,000 | 2 | $ 56,000 |
AFFILIATED MORTGAGE COMPANY 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 2 | $ 264,000 |
SHORE MORTGAGE 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 249,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ 8,994,122,000 | 2 | $ 459,000 |
FIRST CENTRAL STATE BANK 914 6TH AVE DE WITT, IA 52742 |
* | $ 245,957,000 | 2 | $ 118,000 |
CALIBER FUNDING LLC 6031 CONNECTION DRIVE, SUITE 200 IRVING, TX 75039 |
* | $ 37,112,000 | 2 | $ 289,000 |
MAIN STREET FINANCIAL 9953 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ 8,801,000 | 1 | $ 236,000 |
STONEGATE MORTGAGE CORPORATION 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 197,000 |
ALLIED HOME MORTGAGE CORP. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 112,000 |
AMERICAHOMEKEY, INC 3838 OAK LAWN STE 1050 DALLAS, TX 75219 |
* | $ 10,000,000 | 1 | $ 205,000 |
FIRST GUARANTY MORTGAGE CORPORATION 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 77,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 92,000 |
M&I BANK FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 130,000 |
NORTH AMERICAN SAVINGS BANK 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 226,000 |
FIRST FEDERAL SAVINGS BANK IA 825 CENTRAL AVENUE FORT DODGE, IA 50501 |
* | $ 455,548,000 | 1 | $ 165,000 |
TERRE HAUTE SAVINGS BANK 533 OHIO ST (PO BOX 9629) TERRE HAUTE, IN 47807 |
* | $ 293,614,000 | 1 | $ 188,000 |
DUBUQUE BANK AND TRUST COMPANY 1398 CENTRAL AVENUE DUBUQUE, IA 52001 |
* | $ 1,249,093,000 | 1 | $ 150,000 |
CENTIER BANK 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 87,000 |
FARMERS STATE BANK 1240 8TH AVE MARION, IA 52302 |
* | $ 590,966,000 | 1 | $ 18,000 |
FIDELITY BANK & TRUST 4250 ASBURY ROAD DUBUQUE, IA 52002 |
* | $ 403,479,000 | 1 | $ 77,000 |
COMMUNITY SAVINGS BANK PO BOX 77 EDGEWOOD, IA 52042 |
* | $ 297,912,000 | 1 | $ 146,000 |
QR LENDING INC 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 100,000 |
UNITED FIDELITY FUNDING CORP. 1300 NW BRIARCLIFF PKWY SUITE 275 KANSAS CITY, MO 64150 |
* | $ 1,000,000,000 | 1 | $ 119,000 |
FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 133,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 116,000 |
THE FAMILY CREDIT UNION 1530 W 53RD STREET DAVENPORT, IA 52806 |
* | $ 95,463,000 | 1 | $ 104,000 |
DUTRAC COMMUNITY CREDIT UNION P O BOX 3250 DUBUQUE, IA 52004 |
* | $ 450,573,000 | 1 | $ 95,000 |
AIM CREDIT UNION 1200 ASSOCIATES DR STE 102 DUBUQUE, IA 52002 |
* | $ 79,049,000 | 1 | $ 154,000 |
COMMUNITY 1ST CREDIT UNION 1030 SIERRA DR NE CEDAR RAPIDS, IA 52402 |
* | $ 282,366,000 | 1 | $ 20,000 |
DEERE EMPLOYEES CREDIT UNION 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 434,415,000 | 1 | $ 100,000 |
FARMERS NATIONAL BANK 114 W THIRD ST PROPHETSTOWN, IL 61277 |
* | $ 413,364,000 | 1 | $ 92,000 |
CITIZENS NATIONAL BANK 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 121,000 |
STATE FARM BANK 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 134,000 |
NATIONWIDE BANK ONE NATIONWIDE PLAZA, 2-14-05 COLUMBUS, OH 43215 |
* | $ 3,206,002,000 | 1 | $ 160,000 |
LIBERTY BANK F.S.B. 6400 WESTOWN PARKWAY WEST DES MOINES, IA 50266 |
* | $ 1,079,890,000 | 1 | $ 80,000 |
BNC NATIONAL BANK 20175 N 67TH AVENUE GLENDALE, AZ 85308 |
* | $ 866,920,000 | 1 | $ 74,000 |
CEDAR RAPIDS BANK AND TRUST COMPANY 500 1ST AVENUE NE CEDAR RAPIDS, IA 52401 |
* | $ 543,936,000 | 1 | $ 27,000 |
OHNWARD BANK & TRUST 332 1ST AVE W CASCADE, IA 52033 |
* | $ 168,728,000 | 1 | $ 45,000 |
LIBERTY TRUST & SAVINGS BANK 502 8TH AVENUE DURANT, IA 52747 |
* | $ 120,293,000 | 1 | $ 33,000 |
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 | 761 | $96,568,000 | $126,000 | $718,000 | $73,000 | $3,618,000 |
Home Purchase | 271 | $30,259,000 | $111,000 | $400,000 | $56,000 | $301,000 |
Home Improvement | 77 | $4,412,000 | $57,000 | $350,000 | $88,000 | $1,900,000 |
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 | 957 | $114,309,000 | $119,000 | $718,000 | $75,000 | $3,618,000 |
Not Provided | 73 | $7,438,000 | $101,000 | $360,000 | $61,000 | $155,000 |
Not applicable | 64 | $7,879,000 | $123,000 | $256,000 | $3,000 | $101,000 |
Hispanic | 10 | $982,000 | $98,000 | $169,000 | $53,000 | $89,000 |
Native Hawaiian or Other Pacific Islander | 2 | $226,000 | $113,000 | $139,000 | $47,000 | $54,000 |
Asian | 2 | $395,000 | $197,000 | $257,000 | $59,000 | $118,000 |
American Indian or Alaskan Native | 1 | $10,000 | $10,000 | $10,000 | $0 | $0 |
Black or African American | 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) | 861 | $101,276,000 | $117,000 | $718,000 | $76,000 | $3,618,000 |
FHA-insured (Federal Housing Administration) | 181 | $22,075,000 | $121,000 | $276,000 | $53,000 | $249,000 |
VA-guaranteed (Veterans Administration) | 39 | $4,779,000 | $122,000 | $266,000 | $30,000 | $91,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,109,000 | $111,000 | $241,000 | $36,000 | $81,000 |
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 | 607 | $71,934,000 | $118,000 | $718,000 | $80,000 | $3,618,000 |
Loan Purchased By The Institution | 206 | $26,719,000 | $129,000 | $417,000 | $49,000 | $324,000 |
Application Denied By Financial Institution | 151 | $15,948,000 | $105,000 | $350,000 | $60,000 | $249,000 |
Application Withdrawn By Applicant | 79 | $9,232,000 | $116,000 | $315,000 | $62,000 | $197,000 |
Application Approved But Not Accepted | 46 | $4,756,000 | $103,000 | $264,000 | $75,000 | $371,000 |
File Closed For Incompleteness | 20 | $2,650,000 | $132,000 | $360,000 | $60,000 | $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 |
---|---|---|---|---|---|---|
Credit History | 27 | $1,970,000 | $72,000 | $272,000 | $47,000 | $126,000 |
Collateral | 20 | $2,814,000 | $140,000 | $267,000 | $93,000 | $242,000 |
Credit Application Incomplete | 17 | $1,855,000 | $109,000 | $225,000 | $65,000 | $123,000 |
Debt-To-Income Ratio | 14 | $1,529,000 | $109,000 | $350,000 | $38,000 | $77,000 |
Other | 12 | $1,308,000 | $109,000 | $271,000 | $65,000 | $86,000 |
Employment History | 2 | $307,000 | $153,000 | $174,000 | $60,000 | $67,000 |
Insufficient Cash (Downpayment, Closing Cost) | 2 | $158,000 | $79,000 | $125,000 | $41,000 | $43,000 |
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 Iowa, and search similar information back through 2003.