Find mortgage loan statistics, lending data, and loan application totals for Virginia.
The mortgage statistics and data below are specific to mortgage loan applications for C & F Mortgage Corporation.
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 | C & F Mortgage Corporation 1400 Alverser Drive Midlothian, VA 23113 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 2008 2007 2006 2005 2004 2003 |
Total Number of Mortgage Applications | 4,959 |
Total Mortgage Loan Application Amount | $1,007,746,000 |
Average Mortgage Loan Application Amount | $209,000 |
Highest Mortgage Loan Application Amount | $1,500,000 |
Average Applicant Income | $86,500 |
Highest Applicant Income | $1,797,000 |
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 VA, 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 |
---|---|---|---|---|
Chesterfield County Virginia | 448 | $ 77,429,000 | $ 172,000 | $ 84,000 |
Henrico County Virginia | 300 | $ 52,581,000 | $ 175,000 | $ 81,000 |
Spotsylvania County Virginia | 264 | $ 51,096,000 | $ 193,000 | $ 76,000 |
Charles County Maryland | 258 | $ 63,105,000 | $ 244,000 | $ 83,000 |
Stafford County Virginia | 203 | $ 52,134,000 | $ 256,000 | $ 95,000 |
Prince George's County Maryland | 187 | $ 44,926,000 | $ 240,000 | $ 83,000 |
Anne Arundel County Maryland | 171 | $ 48,946,000 | $ 286,000 | $ 120,000 |
Richmond City County Virginia | 142 | $ 22,647,000 | $ 159,000 | $ 87,000 |
Howard County Maryland | 128 | $ 43,065,000 | $ 336,000 | $ 140,000 |
St. Mary's County Maryland | 106 | $ 24,968,000 | $ 235,000 | $ 81,000 |
Baltimore County Maryland | 102 | $ 22,660,000 | $ 222,000 | $ 78,000 |
Hanover County Virginia | 99 | $ 21,980,000 | $ 222,000 | $ 102,000 |
Augusta County Virginia | 97 | $ 14,529,000 | $ 149,000 | $ 54,000 |
Albemarle County Virginia | 91 | $ 21,121,000 | $ 232,000 | $ 93,000 |
Caroline County Virginia | 84 | $ 12,919,000 | $ 153,000 | $ 64,000 |
Roanoke County Virginia | 80 | $ 12,324,000 | $ 154,000 | $ 64,000 |
Lincoln County North Carolina | 75 | $ 10,566,000 | $ 140,000 | $ 62,000 |
Roanoke City County Virginia | 75 | $ 6,327,000 | $ 84,000 | $ 44,000 |
Montgomery County Maryland | 74 | $ 24,029,000 | $ 324,000 | $ 124,000 |
Bedford County Virginia | 71 | $ 13,052,000 | $ 183,000 | $ 82,000 |
Hampton County Virginia | 70 | $ 10,534,000 | $ 150,000 | $ 62,000 |
Orange County Virginia | 65 | $ 11,305,000 | $ 173,000 | $ 63,000 |
New Castle County Delaware | 63 | $ 15,438,000 | $ 245,000 | $ 79,000 |
Lynchburg County Virginia | 59 | $ 7,310,000 | $ 123,000 | $ 70,000 |
Carroll County Maryland | 58 | $ 14,980,000 | $ 258,000 | $ 86,000 |
King George County Virginia | 58 | $ 13,566,000 | $ 233,000 | $ 83,000 |
Newport News County Virginia | 58 | $ 8,320,000 | $ 143,000 | $ 63,000 |
Baltimore City County Maryland | 55 | $ 9,104,000 | $ 165,000 | $ 59,000 |
Fredericksburg County Virginia | 54 | $ 13,221,000 | $ 244,000 | $ 108,000 |
Prince William County Virginia | 54 | $ 12,634,000 | $ 233,000 | $ 75,000 |
Gaston County North Carolina | 49 | $ 6,731,000 | $ 137,000 | $ 55,000 |
Rockingham County Virginia | 49 | $ 8,159,000 | $ 166,000 | $ 49,000 |
York County Pennsylvania | 43 | $ 6,999,000 | $ 162,000 | $ 79,000 |
Fluvanna County Virginia | 43 | $ 7,165,000 | $ 166,000 | $ 86,000 |
Virginia Beach County Virginia | 43 | $ 10,625,000 | $ 247,000 | $ 75,000 |
Harrisonburg County Virginia | 36 | $ 5,300,000 | $ 147,000 | $ 47,000 |
Westmoreland County Virginia | 36 | $ 4,810,000 | $ 133,000 | $ 72,000 |
Campbell County Virginia | 34 | $ 4,321,000 | $ 127,000 | $ 63,000 |
York County Virginia | 34 | $ 7,650,000 | $ 225,000 | $ 72,000 |
Calvert County Maryland | 33 | $ 8,946,000 | $ 271,000 | $ 87,000 |
Powhatan County Virginia | 33 | $ 6,167,000 | $ 186,000 | $ 77,000 |
Gloucester County Virginia | 32 | $ 5,734,000 | $ 179,000 | $ 75,000 |
Staunton County Virginia | 31 | $ 3,551,000 | $ 114,000 | $ 48,000 |
Sussex County Delaware | 29 | $ 6,288,000 | $ 216,000 | $ 121,000 |
Louisa County Virginia | 29 | $ 5,373,000 | $ 185,000 | $ 88,000 |
Fairfax County Virginia | 27 | $ 8,370,000 | $ 310,000 | $ 130,000 |
James City County Virginia | 27 | $ 5,280,000 | $ 195,000 | $ 69,000 |
Charlottesville County Virginia | 26 | $ 5,798,000 | $ 223,000 | $ 114,000 |
Burlington County New Jersey | 24 | $ 6,124,000 | $ 255,000 | $ 120,000 |
New Kent County Virginia | 24 | $ 4,568,000 | $ 190,000 | $ 62,000 |
Waynesboro County Virginia | 23 | $ 2,548,000 | $ 110,000 | $ 39,000 |
Suffolk County Virginia | 20 | $ 4,433,000 | $ 221,000 | $ 49,000 |
Botetourt County Virginia | 19 | $ 3,372,000 | $ 177,000 | $ 63,000 |
Culpeper County Virginia | 18 | $ 3,036,000 | $ 168,000 | $ 70,000 |
Goochland County Virginia | 18 | $ 4,908,000 | $ 272,000 | $ 119,000 |
Greene County Virginia | 18 | $ 3,615,000 | $ 200,000 | $ 60,000 |
Salem County Virginia | 18 | $ 2,263,000 | $ 125,000 | $ 56,000 |
Harford County Maryland | 17 | $ 4,806,000 | $ 282,000 | $ 134,000 |
King William County Virginia | 17 | $ 2,725,000 | $ 160,000 | $ 82,000 |
District of Columbia County District Of Columbia | 16 | $ 5,769,000 | $ 360,000 | $ 196,000 |
Chesapeake County Virginia | 16 | $ 2,817,000 | $ 176,000 | $ 59,000 |
Mineral County West Virginia | 14 | $ 1,753,000 | $ 125,000 | $ 68,000 |
Delaware County Pennsylvania | 13 | $ 3,888,000 | $ 299,000 | $ 135,000 |
Fauquier County Virginia | 13 | $ 3,122,000 | $ 240,000 | $ 86,000 |
Norfolk County Virginia | 13 | $ 2,515,000 | $ 193,000 | $ 73,000 |
Amherst County Virginia | 12 | $ 1,461,000 | $ 121,000 | $ 43,000 |
Franklin County Virginia | 12 | $ 2,357,000 | $ 196,000 | $ 69,000 |
Giles County Virginia | 12 | $ 1,561,000 | $ 130,000 | $ 60,000 |
Chester County Pennsylvania | 11 | $ 2,560,000 | $ 232,000 | $ 91,000 |
Loudoun County Virginia | 11 | $ 4,443,000 | $ 403,000 | $ 107,000 |
Isle of Wight County Virginia | 10 | $ 1,934,000 | $ 193,000 | $ 56,000 |
Halifax County Virginia | 9 | $ 895,000 | $ 99,000 | $ 47,000 |
King and Queen County Virginia | 9 | $ 1,214,000 | $ 134,000 | $ 60,000 |
Middlesex County Virginia | 9 | $ 2,011,000 | $ 223,000 | $ 144,000 |
Frederick County Maryland | 8 | $ 2,405,000 | $ 300,000 | $ 121,000 |
Amelia County Virginia | 8 | $ 1,319,000 | $ 164,000 | $ 66,000 |
Kent County Delaware | 7 | $ 1,288,000 | $ 184,000 | $ 53,000 |
Dare County North Carolina | 7 | $ 1,286,000 | $ 183,000 | $ 118,000 |
Dinwiddie County Virginia | 7 | $ 1,040,000 | $ 148,000 | $ 65,000 |
Essex County Virginia | 7 | $ 999,000 | $ 142,000 | $ 59,000 |
Page County Virginia | 7 | $ 1,007,000 | $ 143,000 | $ 47,000 |
Pittsylvania County Virginia | 7 | $ 598,000 | $ 85,000 | $ 38,000 |
Wake County North Carolina | 6 | $ 1,547,000 | $ 257,000 | $ 110,000 |
Charles City County Virginia | 6 | $ 593,000 | $ 98,000 | $ 57,000 |
Hopewell County Virginia | 6 | $ 626,000 | $ 104,000 | $ 48,000 |
Nelson County Virginia | 6 | $ 817,000 | $ 136,000 | $ 79,000 |
Monroe County West Virginia | 6 | $ 701,000 | $ 116,000 | $ 67,000 |
Queen Anne's County Maryland | 5 | $ 1,156,000 | $ 231,000 | $ 74,000 |
Worcester County Maryland | 5 | $ 1,512,000 | $ 302,000 | $ 328,000 |
Gloucester County New Jersey | 5 | $ 869,000 | $ 173,000 | $ 60,000 |
Catawba County North Carolina | 5 | $ 677,000 | $ 135,000 | $ 26,000 |
Cleveland County North Carolina | 5 | $ 623,000 | $ 124,000 | $ 59,000 |
Mecklenburg County North Carolina | 5 | $ 828,000 | $ 165,000 | $ 146,000 |
Northumberland County Virginia | 5 | $ 1,280,000 | $ 256,000 | $ 187,000 |
Petersburg County Virginia | 5 | $ 644,000 | $ 128,000 | $ 62,000 |
Poquoson County Virginia | 5 | $ 903,000 | $ 180,000 | $ 67,000 |
Shenandoah County Virginia | 5 | $ 745,000 | $ 149,000 | $ 38,000 |
Cecil County Maryland | 4 | $ 1,237,000 | $ 309,000 | $ 96,000 |
Arlington County Virginia | 4 | $ 1,609,000 | $ 402,000 | $ 127,000 |
Craig County Virginia | 4 | $ 618,000 | $ 154,000 | $ 76,000 |
Mathews County Virginia | 4 | $ 849,000 | $ 212,000 | $ 110,000 |
Montgomery County Virginia | 4 | $ 827,000 | $ 206,000 | $ 101,000 |
Portsmouth County Virginia | 4 | $ 603,000 | $ 150,000 | $ 60,000 |
Prince George County Virginia | 4 | $ 741,000 | $ 185,000 | $ 73,000 |
Garrett County Maryland | 3 | $ 629,000 | $ 209,000 | $ 137,000 |
Camden County New Jersey | 3 | $ 643,000 | $ 214,000 | $ 104,000 |
Currituck County North Carolina | 3 | $ 1,067,000 | $ 355,000 | $ 246,000 |
Adams County Pennsylvania | 3 | $ 612,000 | $ 204,000 | $ 81,000 |
Bedford City County Virginia | 3 | $ 356,000 | $ 118,000 | $ 32,000 |
Brunswick County Virginia | 3 | $ 752,000 | $ 250,000 | $ 123,000 |
Colonial Heights County Virginia | 3 | $ 246,000 | $ 82,000 | $ 43,000 |
Henry County Virginia | 3 | $ 435,000 | $ 145,000 | $ 43,000 |
Lancaster County Virginia | 3 | $ 425,000 | $ 141,000 | $ 39,000 |
Fulton County Georgia | 2 | $ 224,000 | $ 112,000 | $ 67,000 |
Washington County Maryland | 2 | $ 445,000 | $ 222,000 | $ 362,000 |
Wicomico County Maryland | 2 | $ 198,000 | $ 99,000 | $ 95,000 |
Cape May County New Jersey | 2 | $ 582,000 | $ 291,000 | $ 235,000 |
Cabarrus County North Carolina | 2 | $ 547,000 | $ 273,000 | $ 122,000 |
Warren County North Carolina | 2 | $ 615,000 | $ 307,000 | $ 354,000 |
Lancaster County Pennsylvania | 2 | $ 265,000 | $ 132,000 | $ 110,000 |
York County South Carolina | 2 | $ 451,000 | $ 225,000 | $ 71,000 |
Alexandria County Virginia | 2 | $ 433,000 | $ 216,000 | $ 161,000 |
Appomattox County Virginia | 2 | $ 335,000 | $ 167,000 | $ 50,000 |
Buckingham County Virginia | 2 | $ 199,000 | $ 99,000 | $ 26,000 |
Charlotte County Virginia | 2 | $ 245,000 | $ 122,000 | $ 34,000 |
Cumberland County Virginia | 2 | $ 321,000 | $ 160,000 | $ 49,000 |
Frederick County Virginia | 2 | $ 551,000 | $ 275,000 | $ 93,000 |
Madison County Virginia | 2 | $ 485,000 | $ 242,000 | $ 88,000 |
Manassas County Virginia | 2 | $ 213,000 | $ 106,000 | $ 48,000 |
Prince Edward County Virginia | 2 | $ 258,000 | $ 129,000 | $ 34,000 |
Pulaski County Virginia | 2 | $ 248,000 | $ 124,000 | $ 36,000 |
Rappahannock County Virginia | 2 | $ 345,000 | $ 172,000 | $ 106,000 |
Richmond County Virginia | 2 | $ 827,000 | $ 413,000 | $ 402,000 |
Rockbridge County Virginia | 2 | $ 608,000 | $ 304,000 | $ 90,000 |
Warren County Virginia | 2 | $ 618,000 | $ 309,000 | $ 115,000 |
Mercer County West Virginia | 2 | $ 376,000 | $ 188,000 | $ 107,000 |
Bryan County Georgia | 1 | $ 213,000 | $ 213,000 | $ 0 |
Chatham County Georgia | 1 | $ 287,000 | $ 287,000 | $ 227,000 |
Cobb County Georgia | 1 | $ 164,000 | $ 164,000 | $ 72,000 |
Gwinnett County Georgia | 1 | $ 138,000 | $ 138,000 | $ 55,000 |
Liberty County Georgia | 1 | $ 205,000 | $ 205,000 | $ 0 |
Allegany County Maryland | 1 | $ 40,000 | $ 40,000 | $ 32,000 |
Kent County Maryland | 1 | $ 206,000 | $ 206,000 | $ 76,000 |
Somerset County Maryland | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
Ocean County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 190,000 |
Salem County New Jersey | 1 | $ 162,000 | $ 162,000 | $ 126,000 |
Brunswick County North Carolina | 1 | $ 252,000 | $ 252,000 | $ 139,000 |
Carteret County North Carolina | 1 | $ 281,000 | $ 281,000 | $ 0 |
Craven County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 86,000 |
Durham County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
Franklin County North Carolina | 1 | $ 118,000 | $ 118,000 | $ 52,000 |
Halifax County North Carolina | 1 | $ 271,000 | $ 271,000 | $ 83,000 |
Northampton County North Carolina | 1 | $ 404,000 | $ 404,000 | $ 367,000 |
Person County North Carolina | 1 | $ 417,000 | $ 417,000 | $ 201,000 |
Pitt County North Carolina | 1 | $ 199,000 | $ 199,000 | $ 52,000 |
Union County North Carolina | 1 | $ 193,000 | $ 193,000 | $ 82,000 |
Watauga County North Carolina | 1 | $ 131,000 | $ 131,000 | $ 195,000 |
Butler County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 45,000 |
Cumberland County Pennsylvania | 1 | $ 316,000 | $ 316,000 | $ 125,000 |
Dauphin County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
Luzerne County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 43,000 |
Monroe County Pennsylvania | 1 | $ 236,000 | $ 236,000 | $ 371,000 |
Philadelphia County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 43,000 |
Cherokee County South Carolina | 1 | $ 122,000 | $ 122,000 | $ 47,000 |
Richland County South Carolina | 1 | $ 220,000 | $ 220,000 | $ 138,000 |
Accomack County Virginia | 1 | $ 141,000 | $ 141,000 | $ 156,000 |
Fairfax City County Virginia | 1 | $ 538,000 | $ 538,000 | $ 300,000 |
Franklin City County Virginia | 1 | $ 142,000 | $ 142,000 | $ 34,000 |
Greensville County Virginia | 1 | $ 186,000 | $ 186,000 | $ 97,000 |
Lexington County Virginia | 1 | $ 157,000 | $ 157,000 | $ 39,000 |
Lunenburg County Virginia | 1 | $ 40,000 | $ 40,000 | $ 14,000 |
Nottoway County Virginia | 1 | $ 70,000 | $ 70,000 | $ 49,000 |
Williamsburg County Virginia | 1 | $ 249,000 | $ 249,000 | $ 115,000 |
Berkeley County West Virginia | 1 | $ 200,000 | $ 200,000 | $ 44,000 |
Greenbrier County West Virginia | 1 | $ 308,000 | $ 308,000 | $ 73,000 |
Hampshire County West Virginia | 1 | $ 134,000 | $ 134,000 | $ 38,000 |
Jefferson County West Virginia | 1 | $ 196,000 | $ 196,000 | $ 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 Virginia,
and search the same numbers and information back through 2003.
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 | 3,182 | $594,785,000 | $186,000 | $970,000 | $75,000 | $810,000 |
Refinancing | 1,777 | $412,961,000 | $232,000 | $1,500,000 | $98,000 | $1,797,000 |
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 | 3,824 | $788,019,000 | $206,000 | $1,500,000 | $87,000 | $1,797,000 |
Black or African American | 675 | $124,224,000 | $184,000 | $760,000 | $65,000 | $344,000 |
Not Provided | 214 | $46,246,000 | $216,000 | $910,000 | $86,000 | $720,000 |
Hispanic | 142 | $25,655,000 | $180,000 | $556,000 | $59,000 | $270,000 |
Asian | 81 | $18,658,000 | $230,000 | $671,000 | $90,000 | $295,000 |
American Indian or Alaskan Native | 15 | $3,223,000 | $214,000 | $472,000 | $80,000 | $195,000 |
Native Hawaiian or Other Pacific Islander | 8 | $1,721,000 | $215,000 | $525,000 | $92,000 | $204,000 |
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 |
---|---|---|---|---|---|---|
Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,512 | $517,707,000 | $206,000 | $1,500,000 | $105,000 | $1,797,000 |
FHA-insured (Federal Housing Administration) | 1,485 | $273,310,000 | $184,000 | $637,000 | $63,000 | $535,000 |
VA-guaranteed (Veterans Administration) | 503 | $139,152,000 | $276,000 | $750,000 | $70,000 | $344,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 459 | $77,577,000 | $169,000 | $426,000 | $49,000 | $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 | 4,079 | $835,009,000 | $204,000 | $1,500,000 | $84,000 | $1,797,000 |
Application Withdrawn By Applicant | 493 | $97,895,000 | $198,000 | $910,000 | $82,000 | $569,000 |
File Closed For Incompleteness | 233 | $48,908,000 | $209,000 | $796,000 | $91,000 | $720,000 |
Application Denied By Financial Institution | 150 | $25,339,000 | $168,000 | $562,000 | $67,000 | $535,000 |
Application Approved But Not Accepted | 4 | $595,000 | $148,000 | $213,000 | $40,000 | $90,000 |
Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 59 | $9,875,000 | $167,000 | $525,000 | $64,000 | $535,000 |
Debt-To-Income Ratio | 38 | $6,268,000 | $164,000 | $495,000 | $47,000 | $132,000 |
Collateral | 27 | $4,935,000 | $182,000 | $562,000 | $86,000 | $322,000 |
Other | 10 | $1,241,000 | $124,000 | $181,000 | $69,000 | $152,000 |
Employment History | 8 | $1,620,000 | $202,000 | $283,000 | $70,000 | $100,000 |
Insufficient Cash (Downpayment, Closing Cost) | 5 | $497,000 | $99,000 | $195,000 | $42,000 | $85,000 |
Credit Application Incomplete | 3 | $903,000 | $301,000 | $417,000 | $233,000 | $360,000 |
Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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 VA, 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 Virginia, and search similar information at your convenience.