American Financial Resources, Inc.
Mortgage Loan Application
Totals and Details
for 2016
Find mortgage loan statistics, lending data, and loan application totals for New Jersey.
The mortgage statistics and data below are specific to mortgage loan applications for American Financial Resources, Inc..
Search for mortgage lenders by state, county, or metropolitan area
and explore the loan application details and stats broken down by several loan categories from 2003-2021.
| Mortgage Company & Address | American Financial Resources, Inc. 9 Sylvan Way Parsippany, NJ 07054 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2006 2005 2004 |
| Total Number of Mortgage Applications | 32,642 |
| Total Mortgage Loan Application Amount | $5,994,757,000 |
| Average Mortgage Loan Application Amount | $182,000 |
| Highest Mortgage Loan Application Amount | $1,100,000 |
| Average Applicant Income | $69,500 |
| Highest Applicant Income | $2,100,000 |
Overall mortgage application loan totals and averages for this lender are provided for each year by county, metro area, and the entire US.
The loan data is broken down by loan purpose, loan type, applicant race, application outcome, and denial reason. With this information, you can get a detailed view of locations
where the mortgage lender is actively processing applications as well as the types and outcomes of loans from these applications.
As you search for mortgage loan stats and lending data in NJ, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Hertford County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Martin County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 22,000 |
| Montgomery County North Carolina | 1 | $ 163,000 | $ 163,000 | $ 19,000 |
| Sampson County North Carolina | 1 | $ 76,000 | $ 76,000 | $ 33,000 |
| Scotland County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 85,000 |
| Swain County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Washington County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| Billings County North Dakota | 1 | $ 181,000 | $ 181,000 | $ 136,000 |
| Bottineau County North Dakota | 1 | $ 212,000 | $ 212,000 | $ 132,000 |
| Burke County North Dakota | 1 | $ 123,000 | $ 123,000 | $ 132,000 |
| Golden Valley County North Dakota | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Hettinger County North Dakota | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Morton County North Dakota | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Sargent County North Dakota | 1 | $ 144,000 | $ 144,000 | $ 81,000 |
| Crawford County Ohio | 1 | $ 95,000 | $ 95,000 | $ 13,000 |
| Defiance County Ohio | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Harrison County Ohio | 1 | $ 112,000 | $ 112,000 | $ 78,000 |
| Holmes County Ohio | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Knox County Ohio | 1 | $ 295,000 | $ 295,000 | $ 14,000 |
| Monroe County Ohio | 1 | $ 79,000 | $ 79,000 | $ 13,000 |
| Paulding County Ohio | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Putnam County Ohio | 1 | $ 118,000 | $ 118,000 | $ 37,000 |
| Shelby County Ohio | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Williams County Ohio | 1 | $ 87,000 | $ 87,000 | $ 39,000 |
| Adair County Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 39,000 |
| Atoka County Oklahoma | 1 | $ 134,000 | $ 134,000 | $ 59,000 |
| Beaver County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Beckham County Oklahoma | 1 | $ 146,000 | $ 146,000 | $ 0 |
| Bryan County Oklahoma | 1 | $ 67,000 | $ 67,000 | $ 23,000 |
| Carter County Oklahoma | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Cherokee County Oklahoma | 1 | $ 60,000 | $ 60,000 | $ 83,000 |
| Cotton County Oklahoma | 1 | $ 210,000 | $ 210,000 | $ 94,000 |
| Craig County Oklahoma | 1 | $ 63,000 | $ 63,000 | $ 9,000 |
| Creek County Oklahoma | 1 | $ 61,000 | $ 61,000 | $ 59,000 |
| Garfield County Oklahoma | 1 | $ 164,000 | $ 164,000 | $ 160,000 |
| Johnston County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Kay County Oklahoma | 1 | $ 236,000 | $ 236,000 | $ 118,000 |
| Kiowa County Oklahoma | 1 | $ 104,000 | $ 104,000 | $ 43,000 |
| Mayes County Oklahoma | 1 | $ 56,000 | $ 56,000 | $ 31,000 |
| McCurtain County Oklahoma | 1 | $ 81,000 | $ 81,000 | $ 135,000 |
| Pontotoc County Oklahoma | 1 | $ 186,000 | $ 186,000 | $ 55,000 |
| Sequoyah County Oklahoma | 1 | $ 114,000 | $ 114,000 | $ 74,000 |
| Baker County Oregon | 1 | $ 70,000 | $ 70,000 | $ 0 |
| Grant County Oregon | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Malheur County Oregon | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Morrow County Oregon | 1 | $ 101,000 | $ 101,000 | $ 0 |
| Sherman County Oregon | 1 | $ 128,000 | $ 128,000 | $ 34,000 |
| Jefferson County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 23,000 |
| Juniata County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Potter County Pennsylvania | 1 | $ 96,000 | $ 96,000 | $ 33,000 |
| Tioga County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 37,000 |
| Warren County Pennsylvania | 1 | $ 71,000 | $ 71,000 | $ 65,000 |
| Dillon County South Carolina | 1 | $ 92,000 | $ 92,000 | $ 78,000 |
| Edgefield County South Carolina | 1 | $ 280,000 | $ 280,000 | $ 43,000 |
| Union County South Carolina | 1 | $ 66,000 | $ 66,000 | $ 26,000 |
| Beadle County South Dakota | 1 | $ 150,000 | $ 150,000 | $ 30,000 |
| Brookings County South Dakota | 1 | $ 141,000 | $ 141,000 | $ 25,000 |
| Butte County South Dakota | 1 | $ 100,000 | $ 100,000 | $ 25,000 |
| Clay County South Dakota | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Codington County South Dakota | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| Minnehaha County South Dakota | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Pennington County South Dakota | 1 | $ 216,000 | $ 216,000 | $ 42,000 |
| Gibson County Tennessee | 1 | $ 127,000 | $ 127,000 | $ 53,000 |
| Grainger County Tennessee | 1 | $ 168,000 | $ 168,000 | $ 44,000 |
| Hancock County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 50,000 |
| Houston County Tennessee | 1 | $ 126,000 | $ 126,000 | $ 46,000 |
| Lauderdale County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 23,000 |
| Moore County Tennessee | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Pickett County Tennessee | 1 | $ 86,000 | $ 86,000 | $ 52,000 |
| Scott County Tennessee | 1 | $ 59,000 | $ 59,000 | $ 34,000 |
| Trousdale County Tennessee | 1 | $ 104,000 | $ 104,000 | $ 105,000 |
| Wayne County Tennessee | 1 | $ 164,000 | $ 164,000 | $ 63,000 |
| Brewster County Texas | 1 | $ 52,000 | $ 52,000 | $ 41,000 |
| Calhoun County Texas | 1 | $ 230,000 | $ 230,000 | $ 151,000 |
| Callahan County Texas | 1 | $ 84,000 | $ 84,000 | $ 31,000 |
| Coleman County Texas | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Crosby County Texas | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Eastland County Texas | 1 | $ 147,000 | $ 147,000 | $ 46,000 |
| Franklin County Texas | 1 | $ 166,000 | $ 166,000 | $ 36,000 |
| Gillespie County Texas | 1 | $ 128,000 | $ 128,000 | $ 97,000 |
| Goliad County Texas | 1 | $ 242,000 | $ 242,000 | $ 85,000 |
| Gray County Texas | 1 | $ 61,000 | $ 61,000 | $ 78,000 |
| Hamilton County Texas | 1 | $ 110,000 | $ 110,000 | $ 80,000 |
| Hemphill County Texas | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Hopkins County Texas | 1 | $ 111,000 | $ 111,000 | $ 43,000 |
| Howard County Texas | 1 | $ 97,000 | $ 97,000 | $ 74,000 |
| Hutchinson County Texas | 1 | $ 147,000 | $ 147,000 | $ 83,000 |
| Irion County Texas | 1 | $ 102,000 | $ 102,000 | $ 98,000 |
| Jackson County Texas | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Lamb County Texas | 1 | $ 51,000 | $ 51,000 | $ 24,000 |
| Lee County Texas | 1 | $ 74,000 | $ 74,000 | $ 62,000 |
| Limestone County Texas | 1 | $ 360,000 | $ 360,000 | $ 1,384,000 |
| Madison County Texas | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Matagorda County Texas | 1 | $ 417,000 | $ 417,000 | $ 16,000 |
| Maverick County Texas | 1 | $ 114,000 | $ 114,000 | $ 53,000 |
| McCulloch County Texas | 1 | $ 182,000 | $ 182,000 | $ 62,000 |
| Mills County Texas | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Nacogdoches County Texas | 1 | $ 222,000 | $ 222,000 | $ 170,000 |
| Rains County Texas | 1 | $ 81,000 | $ 81,000 | $ 70,000 |
| Real County Texas | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| Reeves County Texas | 1 | $ 243,000 | $ 243,000 | $ 120,000 |
| San Jacinto County Texas | 1 | $ 139,000 | $ 139,000 | $ 0 |
| San Saba County Texas | 1 | $ 175,000 | $ 175,000 | $ 49,000 |
| Scurry County Texas | 1 | $ 146,000 | $ 146,000 | $ 82,000 |
| Sherman County Texas | 1 | $ 133,000 | $ 133,000 | $ 119,000 |
| Val Verde County Texas | 1 | $ 79,000 | $ 79,000 | $ 72,000 |
| Ward County Texas | 1 | $ 170,000 | $ 170,000 | $ 113,000 |
| Wheeler County Texas | 1 | $ 56,000 | $ 56,000 | $ 53,000 |
| Willacy County Texas | 1 | $ 70,000 | $ 70,000 | $ 42,000 |
| Young County Texas | 1 | $ 70,000 | $ 70,000 | $ 29,000 |
| Box Elder County Utah | 1 | $ 106,000 | $ 106,000 | $ 31,000 |
| Cache County Utah | 1 | $ 182,000 | $ 182,000 | $ 66,000 |
| Carbon County Utah | 1 | $ 132,000 | $ 132,000 | $ 28,000 |
| Emery County Utah | 1 | $ 60,000 | $ 60,000 | $ 92,000 |
| Garfield County Utah | 1 | $ 76,000 | $ 76,000 | $ 37,000 |
| Juab County Utah | 1 | $ 133,000 | $ 133,000 | $ 33,000 |
| Kane County Utah | 1 | $ 170,000 | $ 170,000 | $ 70,000 |
| Piute County Utah | 1 | $ 136,000 | $ 136,000 | $ 42,000 |
| Uintah County Utah | 1 | $ 219,000 | $ 219,000 | $ 48,000 |
| Bath County Virginia | 1 | $ 117,000 | $ 117,000 | $ 43,000 |
| Bland County Virginia | 1 | $ 63,000 | $ 63,000 | $ 62,000 |
| Buchanan County Virginia | 1 | $ 53,000 | $ 53,000 | $ 21,000 |
| Charles City County Virginia | 1 | $ 128,000 | $ 128,000 | $ 73,000 |
| Charlottesville County Virginia | 1 | $ 180,000 | $ 180,000 | $ 360,000 |
| Clarke County Virginia | 1 | $ 547,000 | $ 547,000 | $ 148,000 |
| Covington County Virginia | 1 | $ 88,000 | $ 88,000 | $ 49,000 |
| Essex County Virginia | 1 | $ 180,000 | $ 180,000 | $ 137,000 |
| Giles County Virginia | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Greensville County Virginia | 1 | $ 53,000 | $ 53,000 | $ 117,000 |
| Harrisonburg County Virginia | 1 | $ 184,000 | $ 184,000 | $ 48,000 |
| Hopewell County Virginia | 1 | $ 250,000 | $ 250,000 | $ 108,000 |
| Lancaster County Virginia | 1 | $ 197,000 | $ 197,000 | $ 50,000 |
| New Kent County Virginia | 1 | $ 162,000 | $ 162,000 | $ 37,000 |
| Northampton County Virginia | 1 | $ 152,000 | $ 152,000 | $ 118,000 |
| Poquoson County Virginia | 1 | $ 197,000 | $ 197,000 | $ 238,000 |
| Salem County Virginia | 1 | $ 150,000 | $ 150,000 | $ 39,000 |
| Smyth County Virginia | 1 | $ 117,000 | $ 117,000 | $ 64,000 |
| Southampton County Virginia | 1 | $ 146,000 | $ 146,000 | $ 100,000 |
| Adams County Washington | 1 | $ 148,000 | $ 148,000 | $ 33,000 |
| Ferry County Washington | 1 | $ 52,000 | $ 52,000 | $ 0 |
| Lincoln County Washington | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wahkiakum County Washington | 1 | $ 96,000 | $ 96,000 | $ 103,000 |
| Boone County West Virginia | 1 | $ 96,000 | $ 96,000 | $ 0 |
| Clay County West Virginia | 1 | $ 120,000 | $ 120,000 | $ 48,000 |
| Grant County West Virginia | 1 | $ 180,000 | $ 180,000 | $ 160,000 |
| Hancock County West Virginia | 1 | $ 148,000 | $ 148,000 | $ 48,000 |
| Harrison County West Virginia | 1 | $ 244,000 | $ 244,000 | $ 0 |
| Jackson County West Virginia | 1 | $ 88,000 | $ 88,000 | $ 21,000 |
| Lewis County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 352,000 |
| Mingo County West Virginia | 1 | $ 104,000 | $ 104,000 | $ 19,000 |
| Ohio County West Virginia | 1 | $ 126,000 | $ 126,000 | $ 93,000 |
| Randolph County West Virginia | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Ritchie County West Virginia | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Summers County West Virginia | 1 | $ 66,000 | $ 66,000 | $ 43,000 |
| Bayfield County Wisconsin | 1 | $ 80,000 | $ 80,000 | $ 32,000 |
| Burnett County Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 41,000 |
| Fond du Lac County Wisconsin | 1 | $ 144,000 | $ 144,000 | $ 52,000 |
| Iron County Wisconsin | 1 | $ 142,000 | $ 142,000 | $ 63,000 |
| Jackson County Wisconsin | 1 | $ 107,000 | $ 107,000 | $ 46,000 |
| Kewaunee County Wisconsin | 1 | $ 71,000 | $ 71,000 | $ 48,000 |
| Lincoln County Wisconsin | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| Marathon County Wisconsin | 1 | $ 279,000 | $ 279,000 | $ 107,000 |
| Polk County Wisconsin | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Richland County Wisconsin | 1 | $ 59,000 | $ 59,000 | $ 45,000 |
| Sheboygan County Wisconsin | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 198,000 | $ 198,000 | $ 68,000 |
| Waushara County Wisconsin | 1 | $ 198,000 | $ 198,000 | $ 102,000 |
| Converse County Wyoming | 1 | $ 216,000 | $ 216,000 | $ 45,000 |
| Crook County Wyoming | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Fremont County Wyoming | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Johnson County Wyoming | 1 | $ 192,000 | $ 192,000 | $ 55,000 |
| Lincoln County Wyoming | 1 | $ 164,000 | $ 164,000 | $ 51,000 |
| Niobrara County Wyoming | 1 | $ 30,000 | $ 30,000 | $ 50,000 |
| Park County Wyoming | 1 | $ 70,000 | $ 70,000 | $ 0 |
The mortgage data stats below are displayed in sortable categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.
Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, the highest mortgage loan applied for within that category,
the average income of the mortgage applicants, and the highest income of the mortgage applicants.
You can also download the entire list of mortgage lenders along with their aggregated lending data for the state of New Jersey,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for American Financial Resources, Inc. in 2016
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 | 17,218 | $3,517,735,000 | $204,000 | $1,060,000 | $76,000 | $2,100,000 |
| Home Purchase | 15,424 | $2,477,022,000 | $160,000 | $1,100,000 | $63,000 | $1,200,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $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 | 22,694 | $4,046,507,000 | $178,000 | $1,100,000 | $69,000 | $2,100,000 |
| Not Provided | 2,967 | $515,380,000 | $173,000 | $1,000,000 | $68,000 | $1,384,000 |
| Hispanic | 2,677 | $513,778,000 | $191,000 | $756,000 | $62,000 | $1,200,000 |
| Black or African American | 2,412 | $440,475,000 | $182,000 | $801,000 | $57,000 | $783,000 |
| Asian | 1,648 | $432,372,000 | $262,000 | $968,000 | $114,000 | $1,070,000 |
| American Indian or Alaskan Native | 139 | $22,065,000 | $158,000 | $606,000 | $68,000 | $460,000 |
| Native Hawaiin or Other Pacific Islander | 105 | $24,180,000 | $230,000 | $542,000 | $68,000 | $305,000 |
| Not applicable | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 15,787 | $2,422,232,000 | $153,000 | $813,000 | $47,000 | $2,100,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 12,553 | $2,721,374,000 | $216,000 | $1,100,000 | $104,000 | $1,725,000 |
| VA-guaranteed (Veterans Administration) | 3,530 | $738,867,000 | $209,000 | $950,000 | $58,000 | $443,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 772 | $112,284,000 | $145,000 | $448,000 | $48,000 | $120,000 |
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 | 17,221 | $3,352,608,000 | $194,000 | $1,100,000 | $73,000 | $945,000 |
| Application Withdrawn By Applicant | 9,143 | $1,700,057,000 | $185,000 | $1,060,000 | $73,000 | $2,100,000 |
| Application Denied By Financial Institution | 2,589 | $436,433,000 | $168,000 | $950,000 | $62,000 | $1,333,000 |
| Preapproval Denied by Financial Institution | 1,787 | $186,427,000 | $104,000 | $569,000 | $44,000 | $1,200,000 |
| Loan Purchased By The Institution | 1,403 | $226,187,000 | $161,000 | $1,000,000 | $60,000 | $783,000 |
| Application Approved But Not Accepted | 363 | $67,406,000 | $185,000 | $623,000 | $65,000 | $595,000 |
| File Closed For Incompleteness | 123 | $23,442,000 | $190,000 | $971,000 | $62,000 | $546,000 |
| Preapproval Approved but not Accepted | 13 | $2,197,000 | $169,000 | $344,000 | $68,000 | $121,000 |
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 | 1,700 | $204,590,000 | $120,000 | $660,000 | $50,000 | $1,333,000 |
| Debt-To-Income Ratio | 1,322 | $184,289,000 | $139,000 | $950,000 | $45,000 | $912,000 |
| Collateral | 490 | $79,101,000 | $161,000 | $555,000 | $80,000 | $684,000 |
| Other | 329 | $59,264,000 | $180,000 | $801,000 | $68,000 | $407,000 |
| Credit Application Incomplete | 254 | $45,371,000 | $178,000 | $632,000 | $59,000 | $413,000 |
| Unverifiable Information | 125 | $23,336,000 | $186,000 | $600,000 | $61,000 | $311,000 |
| Employment History | 91 | $17,591,000 | $193,000 | $523,000 | $70,000 | $659,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 61 | $8,616,000 | $141,000 | $417,000 | $42,000 | $191,000 |
| Mortgage Insurance Denied | 4 | $702,000 | $175,000 | $303,000 | $22,000 | $34,000 |
These totals and details for mortgage applications will give you a better idea of what to expect when researching mortgage lenders. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. This mortgage loan data gives you everything you need to know as you start your search for the best lenders in NJ, and gives you an idea of what the best mortgage lenders really are.
If you prefer, you can download a copy of the entire list of mortgage lenders in New Jersey, and search similar information at your convenience.