Citizens Bank
Mortgage Loan Application
Totals and Details
for 2005
Find mortgage loan statistics, lending data, and loan application totals for Michigan.
The mortgage statistics and data below are specific to mortgage loan applications for Citizens Bank.
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 | Citizens Bank 328 S Saginaw St Flint, MI 48502 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 8,449 |
| Total Mortgage Loan Application Amount | $755,893,000 |
| Average Mortgage Loan Application Amount | $184,966 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $140,700 |
| Highest Applicant Income | $2,675,000 |
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 MI, 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 |
|---|---|---|---|---|
| Genesee County Michigan | 1,439 | $ 96,419,000 | $ 67,000 | $ 52,000 |
| Saginaw County Michigan | 609 | $ 42,383,000 | $ 69,000 | $ 64,000 |
| Oakland County Michigan | 354 | $ 55,508,000 | $ 156,000 | $ 91,000 |
| Wexford County Michigan | 325 | $ 22,463,000 | $ 69,000 | $ 50,000 |
| Bay County Michigan | 293 | $ 18,230,000 | $ 62,000 | $ 61,000 |
| Jackson County Michigan | 289 | $ 20,425,000 | $ 70,000 | $ 49,000 |
| Osceola County Michigan | 239 | $ 11,471,000 | $ 47,000 | $ 41,000 |
| Clinton County Michigan | 205 | $ 18,494,000 | $ 90,000 | $ 56,000 |
| Midland County Michigan | 196 | $ 20,683,000 | $ 105,000 | $ 68,000 |
| Brown County Wisconsin | 180 | $ 25,933,000 | $ 144,000 | $ 50,000 |
| Oconto County Wisconsin | 168 | $ 14,424,000 | $ 85,000 | $ 50,000 |
| St. Joseph County Michigan | 163 | $ 8,566,000 | $ 52,000 | $ 60,000 |
| Ingham County Michigan | 156 | $ 12,235,000 | $ 78,000 | $ 64,000 |
| Washtenaw County Michigan | 152 | $ 17,245,000 | $ 113,000 | $ 66,000 |
| Outagamie County Wisconsin | 152 | $ 16,729,000 | $ 110,000 | $ 56,000 |
| Crawford County Michigan | 140 | $ 12,803,000 | $ 91,000 | $ 67,000 |
| Wayne County Michigan | 139 | $ 18,349,000 | $ 132,000 | $ 56,000 |
| Portage County Wisconsin | 129 | $ 10,547,000 | $ 81,000 | $ 57,000 |
| Shiawassee County Michigan | 117 | $ 8,164,000 | $ 69,000 | $ 51,000 |
| Winnebago County Wisconsin | 114 | $ 14,913,000 | $ 130,000 | $ 55,000 |
| Missaukee County Michigan | 104 | $ 6,865,000 | $ 66,000 | $ 50,000 |
| Waushara County Wisconsin | 100 | $ 7,928,000 | $ 79,000 | $ 40,000 |
| Macomb County Michigan | 92 | $ 13,886,000 | $ 150,000 | $ 67,000 |
| Otsego County Michigan | 90 | $ 12,219,000 | $ 135,000 | $ 63,000 |
| Grand Traverse County Michigan | 85 | $ 8,847,000 | $ 104,000 | $ 64,000 |
| Arenac County Michigan | 83 | $ 4,209,000 | $ 50,000 | $ 44,000 |
| Oneida County Wisconsin | 82 | $ 10,137,000 | $ 123,000 | $ 83,000 |
| Vilas County Wisconsin | 82 | $ 10,536,000 | $ 128,000 | $ 95,000 |
| Charlevoix County Michigan | 79 | $ 9,498,000 | $ 120,000 | $ 60,000 |
| Alpena County Michigan | 77 | $ 4,971,000 | $ 64,000 | $ 40,000 |
| Antrim County Michigan | 77 | $ 6,516,000 | $ 84,000 | $ 53,000 |
| Oscoda County Michigan | 74 | $ 4,350,000 | $ 58,000 | $ 38,000 |
| Tuscola County Michigan | 71 | $ 4,751,000 | $ 66,000 | $ 49,000 |
| Milwaukee County Wisconsin | 70 | $ 9,356,000 | $ 133,000 | $ 70,000 |
| Grant County Wisconsin | 67 | $ 3,550,000 | $ 52,000 | $ 47,000 |
| Roscommon County Michigan | 64 | $ 7,102,000 | $ 110,000 | $ 108,000 |
| Door County Wisconsin | 61 | $ 7,538,000 | $ 123,000 | $ 62,000 |
| Marinette County Wisconsin | 58 | $ 4,234,000 | $ 73,000 | $ 47,000 |
| Ogemaw County Michigan | 53 | $ 2,449,000 | $ 46,000 | $ 44,000 |
| Waupaca County Wisconsin | 53 | $ 4,275,000 | $ 80,000 | $ 51,000 |
| Calumet County Wisconsin | 52 | $ 5,122,000 | $ 98,000 | $ 65,000 |
| Walworth County Wisconsin | 52 | $ 4,879,000 | $ 93,000 | $ 89,000 |
| Livingston County Michigan | 47 | $ 9,435,000 | $ 200,000 | $ 105,000 |
| Alcona County Michigan | 39 | $ 2,617,000 | $ 67,000 | $ 37,000 |
| Lincoln County Wisconsin | 38 | $ 4,427,000 | $ 116,000 | $ 59,000 |
| Lapeer County Michigan | 35 | $ 3,515,000 | $ 100,000 | $ 66,000 |
| Eaton County Michigan | 34 | $ 4,149,000 | $ 122,000 | $ 69,000 |
| Gladwin County Michigan | 31 | $ 2,342,000 | $ 75,000 | $ 51,000 |
| Douglas County Wisconsin | 30 | $ 1,738,000 | $ 57,000 | $ 47,000 |
| Manitowoc County Wisconsin | 30 | $ 2,678,000 | $ 89,000 | $ 45,000 |
| Shawano County Wisconsin | 28 | $ 2,474,000 | $ 88,000 | $ 59,000 |
| Clare County Michigan | 27 | $ 1,693,000 | $ 62,000 | $ 69,000 |
| Iosco County Michigan | 26 | $ 2,099,000 | $ 80,000 | $ 66,000 |
| Lafayette County Wisconsin | 25 | $ 1,495,000 | $ 59,000 | $ 80,000 |
| Calhoun County Michigan | 24 | $ 784,000 | $ 32,000 | $ 37,000 |
| Crawford County Wisconsin | 24 | $ 819,000 | $ 34,000 | $ 40,000 |
| Kewaunee County Wisconsin | 24 | $ 1,247,000 | $ 51,000 | $ 49,000 |
| Langlade County Wisconsin | 24 | $ 1,510,000 | $ 62,000 | $ 50,000 |
| Waukesha County Wisconsin | 24 | $ 6,327,000 | $ 263,000 | $ 94,000 |
| Kalkaska County Michigan | 23 | $ 2,375,000 | $ 103,000 | $ 91,000 |
| Jefferson County Wisconsin | 23 | $ 2,108,000 | $ 91,000 | $ 71,000 |
| St. Croix County Wisconsin | 23 | $ 4,496,000 | $ 195,000 | $ 64,000 |
| Mecosta County Michigan | 21 | $ 1,417,000 | $ 67,000 | $ 43,000 |
| Isabella County Michigan | 20 | $ 1,576,000 | $ 78,000 | $ 76,000 |
| Lake County Michigan | 20 | $ 706,000 | $ 35,000 | $ 41,000 |
| Lenawee County Michigan | 20 | $ 1,891,000 | $ 94,000 | $ 68,000 |
| Manistee County Michigan | 20 | $ 1,588,000 | $ 79,000 | $ 259,000 |
| Leelanau County Michigan | 19 | $ 2,896,000 | $ 152,000 | $ 82,000 |
| Polk County Wisconsin | 18 | $ 1,746,000 | $ 97,000 | $ 65,000 |
| Presque Isle County Michigan | 17 | $ 1,425,000 | $ 83,000 | $ 36,000 |
| Benzie County Michigan | 16 | $ 3,047,000 | $ 190,000 | $ 341,000 |
| Branch County Michigan | 16 | $ 714,000 | $ 44,000 | $ 37,000 |
| Emmet County Michigan | 16 | $ 3,848,000 | $ 240,000 | $ 325,000 |
| Green County Wisconsin | 16 | $ 948,000 | $ 59,000 | $ 61,000 |
| Washington County Wisconsin | 16 | $ 2,405,000 | $ 150,000 | $ 111,000 |
| Gratiot County Michigan | 15 | $ 1,177,000 | $ 78,000 | $ 44,000 |
| Marathon County Wisconsin | 15 | $ 1,111,000 | $ 74,000 | $ 42,000 |
| Ionia County Michigan | 13 | $ 1,185,000 | $ 91,000 | $ 70,000 |
| Iowa County Wisconsin | 13 | $ 808,000 | $ 62,000 | $ 91,000 |
| Hillsdale County Michigan | 12 | $ 1,046,000 | $ 87,000 | $ 71,000 |
| Montmorency County Michigan | 12 | $ 1,390,000 | $ 115,000 | $ 98,000 |
| Kent County Michigan | 11 | $ 810,000 | $ 73,000 | $ 97,000 |
| Racine County Wisconsin | 11 | $ 1,540,000 | $ 140,000 | $ 45,000 |
| Sheboygan County Wisconsin | 11 | $ 1,478,000 | $ 134,000 | $ 71,000 |
| Barry County Michigan | 10 | $ 958,000 | $ 95,000 | $ 93,000 |
| Forest County Wisconsin | 10 | $ 856,000 | $ 85,000 | $ 84,000 |
| Cheboygan County Michigan | 9 | $ 1,533,000 | $ 170,000 | $ 56,000 |
| Huron County Michigan | 9 | $ 772,000 | $ 85,000 | $ 73,000 |
| Maricopa County Arizona | 7 | $ 4,492,000 | $ 641,000 | $ 144,000 |
| Berrien County Michigan | 7 | $ 1,116,000 | $ 159,000 | $ 104,000 |
| Rock County Wisconsin | 7 | $ 568,000 | $ 81,000 | $ 57,000 |
| LaGrange County Indiana | 6 | $ 237,000 | $ 39,000 | $ 57,000 |
| Menominee County Michigan | 6 | $ 530,000 | $ 88,000 | $ 37,000 |
| Monroe County Michigan | 6 | $ 880,000 | $ 146,000 | $ 51,000 |
| Iron County Wisconsin | 6 | $ 778,000 | $ 129,000 | $ 46,000 |
| Marquette County Wisconsin | 6 | $ 430,000 | $ 71,000 | $ 52,000 |
| Clayton County Iowa | 5 | $ 144,000 | $ 28,000 | $ 25,000 |
| Cass County Michigan | 5 | $ 249,000 | $ 49,000 | $ 53,000 |
| St. Clair County Michigan | 5 | $ 756,000 | $ 151,000 | $ 69,000 |
| Fond du Lac County Wisconsin | 5 | $ 866,000 | $ 173,000 | $ 71,000 |
| Lee County Florida | 4 | $ 1,038,000 | $ 259,000 | $ 166,000 |
| Palm Beach County Florida | 4 | $ 992,000 | $ 248,000 | $ 307,000 |
| Sarasota County Florida | 4 | $ 907,000 | $ 226,000 | $ 478,000 |
| Kalamazoo County Michigan | 4 | $ 185,000 | $ 46,000 | $ 53,000 |
| Montcalm County Michigan | 4 | $ 521,000 | $ 130,000 | $ 80,000 |
| Muskegon County Michigan | 4 | $ 73,000 | $ 18,000 | $ 38,000 |
| Newaygo County Michigan | 4 | $ 198,000 | $ 49,000 | $ 74,000 |
| Dane County Wisconsin | 4 | $ 458,000 | $ 114,000 | $ 51,000 |
| Dodge County Wisconsin | 4 | $ 296,000 | $ 74,000 | $ 40,000 |
| Price County Wisconsin | 4 | $ 418,000 | $ 104,000 | $ 73,000 |
| Wood County Wisconsin | 4 | $ 183,000 | $ 45,000 | $ 74,000 |
| Ramsey County Minnesota | 3 | $ 291,000 | $ 97,000 | $ 29,000 |
| Clark County Nevada | 3 | $ 649,000 | $ 216,000 | $ 84,000 |
| Green Lake County Wisconsin | 3 | $ 390,000 | $ 130,000 | $ 239,000 |
| Juneau County Wisconsin | 3 | $ 583,000 | $ 194,000 | $ 37,000 |
| Pierce County Wisconsin | 3 | $ 589,000 | $ 196,000 | $ 63,000 |
| Collier County Florida | 2 | $ 475,000 | $ 237,000 | $ 263,000 |
| Pasco County Florida | 2 | $ 157,000 | $ 78,000 | $ 80,000 |
| Allamakee County Iowa | 2 | $ 159,000 | $ 79,000 | $ 96,000 |
| Chippewa County Michigan | 2 | $ 106,000 | $ 53,000 | $ 51,000 |
| Luce County Michigan | 2 | $ 242,000 | $ 121,000 | $ 28,000 |
| Mason County Michigan | 2 | $ 202,000 | $ 101,000 | $ 108,000 |
| Ottawa County Michigan | 2 | $ 131,000 | $ 65,000 | $ 301,000 |
| Adams County Wisconsin | 2 | $ 176,000 | $ 88,000 | $ 67,000 |
| Kenosha County Wisconsin | 2 | $ 289,000 | $ 144,000 | $ 64,000 |
| Menominee County Wisconsin | 2 | $ 70,000 | $ 35,000 | $ 51,000 |
| Ozaukee County Wisconsin | 2 | $ 263,000 | $ 131,000 | $ 70,000 |
| Richland County Wisconsin | 2 | $ 376,000 | $ 188,000 | $ 47,000 |
| Pinal County Arizona | 1 | $ 280,000 | $ 280,000 | $ 294,000 |
| Los Angeles County California | 1 | $ 238,000 | $ 238,000 | $ 701,000 |
| Arapahoe County Colorado | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Eagle County Colorado | 1 | $ 120,000 | $ 120,000 | $ 267,000 |
| Summit County Colorado | 1 | $ 1,472,000 | $ 1,472,000 | $ 727,000 |
| Charlotte County Florida | 1 | $ 198,000 | $ 198,000 | $ 134,000 |
| Hernando County Florida | 1 | $ 65,000 | $ 65,000 | $ 30,000 |
| Volusia County Florida | 1 | $ 168,000 | $ 168,000 | $ 252,000 |
| Cook County Illinois | 1 | $ 15,000 | $ 15,000 | $ 74,000 |
| Jo Daviess County Illinois | 1 | $ 264,000 | $ 264,000 | $ 37,000 |
| LaSalle County Illinois | 1 | $ 240,000 | $ 240,000 | $ 78,000 |
| Woodford County Illinois | 1 | $ 178,000 | $ 178,000 | $ 62,000 |
| Marion County Indiana | 1 | $ 176,000 | $ 176,000 | $ 68,000 |
| Steuben County Indiana | 1 | $ 72,000 | $ 72,000 | $ 165,000 |
| White County Indiana | 1 | $ 167,000 | $ 167,000 | $ 47,000 |
| Delaware County Iowa | 1 | $ 38,000 | $ 38,000 | $ 87,000 |
| Dubuque County Iowa | 1 | $ 139,000 | $ 139,000 | $ 77,000 |
| Fayette County Iowa | 1 | $ 50,000 | $ 50,000 | $ 30,000 |
| Shelby County Iowa | 1 | $ 88,000 | $ 88,000 | $ 52,000 |
| Tama County Iowa | 1 | $ 46,000 | $ 46,000 | $ 45,000 |
| East Baton Rouge County Louisiana | 1 | $ 83,000 | $ 83,000 | $ 96,000 |
| Alger County Michigan | 1 | $ 135,000 | $ 135,000 | $ 102,000 |
| Allegan County Michigan | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Gogebic County Michigan | 1 | $ 40,000 | $ 40,000 | $ 11,000 |
| Iron County Michigan | 1 | $ 47,000 | $ 47,000 | $ 71,000 |
| Marquette County Michigan | 1 | $ 360,000 | $ 360,000 | $ 181,000 |
| Oceana County Michigan | 1 | $ 93,000 | $ 93,000 | $ 78,000 |
| Schoolcraft County Michigan | 1 | $ 99,000 | $ 99,000 | $ 102,000 |
| Van Buren County Michigan | 1 | $ 216,000 | $ 216,000 | $ 150,000 |
| Anoka County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 95,000 |
| Dakota County Minnesota | 1 | $ 398,000 | $ 398,000 | $ 710,000 |
| Todd County Minnesota | 1 | $ 250,000 | $ 250,000 | $ 292,000 |
| Washington County Minnesota | 1 | $ 208,000 | $ 208,000 | $ 26,000 |
| Portage County Ohio | 1 | $ 360,000 | $ 360,000 | $ 101,000 |
| Burnett County Wisconsin | 1 | $ 122,000 | $ 122,000 | $ 60,000 |
| Chippewa County Wisconsin | 1 | $ 94,000 | $ 94,000 | $ 47,000 |
| Eau Claire County Wisconsin | 1 | $ 108,000 | $ 108,000 | $ 94,000 |
| La Crosse County Wisconsin | 1 | $ 116,000 | $ 116,000 | $ 69,000 |
| Monroe County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Vernon County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Washburn County Wisconsin | 1 | $ 160,000 | $ 160,000 | $ 95,000 |
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 Michigan,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Citizens Bank in 2005
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 | 3,128 | $351,840,000 | $209,800 | $4,000,000 | $160,100 | $1,727,000 |
| Home Purchase | 2,712 | $351,860,000 | $226,615 | $3,326,000 | $115,923 | $2,675,000 |
| Home Improvement | 2,609 | $52,193,000 | $72,142 | $3,058,000 | $159,000 | $2,063,000 |
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 | 7,257 | $653,652,000 | $234,923 | $3,326,000 | $130,000 | $2,675,000 |
| Black or African American | 592 | $31,591,000 | $95,333 | $690,000 | $57,666 | $279,000 |
| Hispanic | 238 | $15,289,000 | $96,500 | $432,000 | $48,250 | $728,000 |
| Not Provided | 205 | $17,443,000 | $93,666 | $691,000 | $55,333 | $603,000 |
| Asian | 73 | $19,565,000 | $248,200 | $1,680,000 | $281,600 | $946,000 |
| Not applicable | 35 | $13,572,000 | $384,500 | $4,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 31 | $2,626,000 | $94,000 | $660,000 | $57,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $2,155,000 | $112,000 | $293,000 | $118,500 | $492,000 |
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) | 8,287 | $740,233,000 | $223,642 | $4,000,000 | $163,500 | $2,675,000 |
| FHA-insured (Federal Housing Administration) | 132 | $12,304,000 | $91,500 | $280,000 | $33,500 | $261,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,582,000 | $79,500 | $135,000 | $31,500 | $68,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,774,000 | $97,000 | $200,000 | $52,000 | $87,000 |
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 | 5,437 | $532,554,000 | $242,384 | $4,000,000 | $186,461 | $2,675,000 |
| Application Denied By Financial Institution | 1,560 | $61,293,000 | $150,000 | $1,208,000 | $104,000 | $710,000 |
| Application Approved But Not Accepted | 828 | $75,402,000 | $108,857 | $800,000 | $64,000 | $944,000 |
| Application Withdrawn By Applicant | 457 | $67,719,000 | $242,833 | $788,000 | $96,500 | $2,675,000 |
| Preapproval Denied by Financial Institution | 104 | $10,171,000 | $97,000 | $280,000 | $32,000 | $132,000 |
| File Closed For Incompleteness | 63 | $8,754,000 | $129,000 | $963,000 | $72,000 | $699,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 1,248 | $37,627,000 | $125,166 | $400,000 | $163,000 | $710,000 |
| Debt-To-Income Ratio | 219 | $19,484,000 | $164,500 | $427,000 | $38,833 | $128,000 |
| Other | 112 | $7,340,000 | $65,750 | $1,208,000 | $64,250 | $384,000 |
| Collateral | 57 | $4,668,000 | $72,333 | $444,000 | $54,333 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $1,055,000 | $84,000 | $158,000 | $42,000 | $99,000 |
| Unverifiable Information | 6 | $521,000 | $77,500 | $205,000 | $44,000 | $96,000 |
| Employment History | 6 | $579,000 | $89,500 | $128,000 | $31,000 | $40,000 |
| Credit Application Incomplete | 3 | $190,000 | $63,000 | $140,000 | $88,000 | $141,000 |
| 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 MI, 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 Michigan, and search similar information at your convenience.