National Bank Of Kansas City
Mortgage Loan Application
Totals and Details
for 2003
Find mortgage loan statistics, lending data, and loan application totals for Kansas.
The mortgage statistics and data below are specific to mortgage loan applications for National Bank Of Kansas City.
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 | National Bank Of Kansas City 10700 Nall Avenue Overland Park, KS 66211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,724 |
| Total Mortgage Loan Application Amount | $985,670,000 |
| Average Mortgage Loan Application Amount | $164,441 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $108,455 |
| Highest Applicant Income | $1,480,000 |
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 KS, 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 |
|---|---|---|---|---|
| Benzie County Michigan | 1 | $ 243,000 | $ 243,000 | $ 86,000 |
| Berrien County Michigan | 1 | $ 190,000 | $ 190,000 | $ 113,000 |
| Eaton County Michigan | 1 | $ 77,000 | $ 77,000 | $ 81,000 |
| Emmet County Michigan | 1 | $ 180,000 | $ 180,000 | $ 270,000 |
| Huron County Michigan | 1 | $ 250,000 | $ 250,000 | $ 192,000 |
| Kalamazoo County Michigan | 1 | $ 180,000 | $ 180,000 | $ 98,000 |
| Lapeer County Michigan | 1 | $ 212,000 | $ 212,000 | $ 123,000 |
| Leelanau County Michigan | 1 | $ 224,000 | $ 224,000 | $ 70,000 |
| Lenawee County Michigan | 1 | $ 342,000 | $ 342,000 | $ 90,000 |
| Macomb County Michigan | 1 | $ 151,000 | $ 151,000 | $ 68,000 |
| Menominee County Michigan | 1 | $ 57,000 | $ 57,000 | $ 66,000 |
| Monroe County Michigan | 1 | $ 240,000 | $ 240,000 | $ 129,000 |
| Ottawa County Michigan | 1 | $ 320,000 | $ 320,000 | $ 77,000 |
| Carver County Minnesota | 1 | $ 297,000 | $ 297,000 | $ 92,000 |
| Chisago County Minnesota | 1 | $ 144,000 | $ 144,000 | $ 36,000 |
| Clay County Minnesota | 1 | $ 30,000 | $ 30,000 | $ 69,000 |
| Crow Wing County Minnesota | 1 | $ 368,000 | $ 368,000 | $ 446,000 |
| Meeker County Minnesota | 1 | $ 177,000 | $ 177,000 | $ 65,000 |
| Olmsted County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 370,000 |
| St. Louis County Minnesota | 1 | $ 58,000 | $ 58,000 | $ 89,000 |
| Wadena County Minnesota | 1 | $ 43,000 | $ 43,000 | $ 111,000 |
| Coahoma County Mississippi | 1 | $ 24,000 | $ 24,000 | $ 20,000 |
| Harrison County Mississippi | 1 | $ 30,000 | $ 30,000 | $ 84,000 |
| Lamar County Mississippi | 1 | $ 19,000 | $ 19,000 | $ 70,000 |
| Warren County Mississippi | 1 | $ 23,000 | $ 23,000 | $ 51,000 |
| Andrew County Missouri | 1 | $ 205,000 | $ 205,000 | $ 73,000 |
| Butler County Missouri | 1 | $ 30,000 | $ 30,000 | $ 137,000 |
| Cedar County Missouri | 1 | $ 103,000 | $ 103,000 | $ 35,000 |
| Lincoln County Missouri | 1 | $ 135,000 | $ 135,000 | $ 86,000 |
| Pettis County Missouri | 1 | $ 175,000 | $ 175,000 | $ 149,000 |
| Stone County Missouri | 1 | $ 96,000 | $ 96,000 | $ 137,000 |
| Taney County Missouri | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Vernon County Missouri | 1 | $ 141,000 | $ 141,000 | $ 200,000 |
| Cascade County Montana | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| Gallatin County Montana | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| Glacier County Montana | 1 | $ 30,000 | $ 30,000 | $ 63,000 |
| Jefferson County Montana | 1 | $ 186,000 | $ 186,000 | $ 132,000 |
| Missoula County Montana | 1 | $ 200,000 | $ 200,000 | $ 139,000 |
| Dodge County Nebraska | 1 | $ 181,000 | $ 181,000 | $ 99,000 |
| Carson City County Nevada | 1 | $ 251,000 | $ 251,000 | $ 95,000 |
| Douglas County Nevada | 1 | $ 323,000 | $ 323,000 | $ 88,000 |
| Humboldt County Nevada | 1 | $ 38,000 | $ 38,000 | $ 48,000 |
| Belknap County New Hampshire | 1 | $ 250,000 | $ 250,000 | $ 97,000 |
| Carroll County New Hampshire | 1 | $ 150,000 | $ 150,000 | $ 67,000 |
| Cibola County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 112,000 |
| Dona Ana County New Mexico | 1 | $ 69,000 | $ 69,000 | $ 70,000 |
| Los Alamos County New Mexico | 1 | $ 465,000 | $ 465,000 | $ 85,000 |
| San Juan County New Mexico | 1 | $ 152,000 | $ 152,000 | $ 62,000 |
| Santa Fe County New Mexico | 1 | $ 294,000 | $ 294,000 | $ 121,000 |
| Cattaraugus County New York | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Cortland County New York | 1 | $ 30,000 | $ 30,000 | $ 109,000 |
| Dutchess County New York | 1 | $ 290,000 | $ 290,000 | $ 100,000 |
| New York County New York | 1 | $ 230,000 | $ 230,000 | $ 168,000 |
| Niagara County New York | 1 | $ 49,000 | $ 49,000 | $ 63,000 |
| Otsego County New York | 1 | $ 32,000 | $ 32,000 | $ 70,000 |
| Richmond County New York | 1 | $ 212,000 | $ 212,000 | $ 104,000 |
| Schenectady County New York | 1 | $ 53,000 | $ 53,000 | $ 106,000 |
| Seneca County New York | 1 | $ 207,000 | $ 207,000 | $ 240,000 |
| Sullivan County New York | 1 | $ 69,000 | $ 69,000 | $ 118,000 |
| Tioga County New York | 1 | $ 40,000 | $ 40,000 | $ 71,000 |
| Ulster County New York | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Warren County New York | 1 | $ 39,000 | $ 39,000 | $ 65,000 |
| Wayne County New York | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Brunswick County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Burke County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 124,000 |
| Caldwell County North Carolina | 1 | $ 204,000 | $ 204,000 | $ 129,000 |
| Dare County North Carolina | 1 | $ 50,000 | $ 50,000 | $ 80,000 |
| New Hanover County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 54,000 |
| Robeson County North Carolina | 1 | $ 70,000 | $ 70,000 | $ 46,000 |
| Watauga County North Carolina | 1 | $ 32,000 | $ 32,000 | $ 32,000 |
| Wilson County North Carolina | 1 | $ 137,000 | $ 137,000 | $ 65,000 |
| Cass County North Dakota | 1 | $ 182,000 | $ 182,000 | $ 109,000 |
| Crawford County Ohio | 1 | $ 147,000 | $ 147,000 | $ 71,000 |
| Erie County Ohio | 1 | $ 218,000 | $ 218,000 | $ 60,000 |
| Fairfield County Ohio | 1 | $ 26,000 | $ 26,000 | $ 89,000 |
| Fulton County Ohio | 1 | $ 323,000 | $ 323,000 | $ 200,000 |
| Jefferson County Ohio | 1 | $ 168,000 | $ 168,000 | $ 84,000 |
| Licking County Ohio | 1 | $ 150,000 | $ 150,000 | $ 113,000 |
| Pike County Ohio | 1 | $ 181,000 | $ 181,000 | $ 93,000 |
| Richland County Ohio | 1 | $ 247,000 | $ 247,000 | $ 85,000 |
| Trumbull County Ohio | 1 | $ 194,000 | $ 194,000 | $ 76,000 |
| Haskell County Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 25,000 |
| Logan County Oklahoma | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| Wagoner County Oklahoma | 1 | $ 72,000 | $ 72,000 | $ 50,000 |
| Benton County Oregon | 1 | $ 127,000 | $ 127,000 | $ 30,000 |
| Columbia County Oregon | 1 | $ 41,000 | $ 41,000 | $ 78,000 |
| Deschutes County Oregon | 1 | $ 319,000 | $ 319,000 | $ 87,000 |
| Douglas County Oregon | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Hood River County Oregon | 1 | $ 177,000 | $ 177,000 | $ 89,000 |
| Jackson County Oregon | 1 | $ 141,000 | $ 141,000 | $ 125,000 |
| Josephine County Oregon | 1 | $ 305,000 | $ 305,000 | $ 496,000 |
| Linn County Oregon | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Beaver County Pennsylvania | 1 | $ 180,000 | $ 180,000 | $ 95,000 |
| Butler County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Clearfield County Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 50,000 |
| Columbia County Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 32,000 |
| Erie County Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 252,000 |
| Fayette County Pennsylvania | 1 | $ 29,000 | $ 29,000 | $ 54,000 |
| Lebanon County Pennsylvania | 1 | $ 21,000 | $ 21,000 | $ 30,000 |
| Potter County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Susquehanna County Pennsylvania | 1 | $ 108,000 | $ 108,000 | $ 33,000 |
| Wayne County Pennsylvania | 1 | $ 210,000 | $ 210,000 | $ 159,000 |
| Bristol County Rhode Island | 1 | $ 311,000 | $ 311,000 | $ 74,000 |
| Berkeley County South Carolina | 1 | $ 320,000 | $ 320,000 | $ 87,000 |
| Dorchester County South Carolina | 1 | $ 248,000 | $ 248,000 | $ 75,000 |
| Horry County South Carolina | 1 | $ 25,000 | $ 25,000 | $ 160,000 |
| Orangeburg County South Carolina | 1 | $ 178,000 | $ 178,000 | $ 64,000 |
| Fayette County Tennessee | 1 | $ 213,000 | $ 213,000 | $ 202,000 |
| Hamilton County Tennessee | 1 | $ 244,000 | $ 244,000 | $ 129,000 |
| McNairy County Tennessee | 1 | $ 169,000 | $ 169,000 | $ 124,000 |
| Rutherford County Tennessee | 1 | $ 163,000 | $ 163,000 | $ 88,000 |
| Sullivan County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 123,000 |
| Bell County Texas | 1 | $ 415,000 | $ 415,000 | $ 157,000 |
| Brazos County Texas | 1 | $ 258,000 | $ 258,000 | $ 213,000 |
| Jim Wells County Texas | 1 | $ 219,000 | $ 219,000 | $ 118,000 |
| McLennan County Texas | 1 | $ 64,000 | $ 64,000 | $ 26,000 |
| Rockwall County Texas | 1 | $ 270,000 | $ 270,000 | $ 140,000 |
| Waller County Texas | 1 | $ 270,000 | $ 270,000 | $ 140,000 |
| Cache County Utah | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Uintah County Utah | 1 | $ 51,000 | $ 51,000 | $ 74,000 |
| Washington County Utah | 1 | $ 29,000 | $ 29,000 | $ 63,000 |
| Weber County Utah | 1 | $ 279,000 | $ 279,000 | $ 168,000 |
| Orange County Vermont | 1 | $ 50,000 | $ 50,000 | $ 130,000 |
| Rutland County Vermont | 1 | $ 155,000 | $ 155,000 | $ 173,000 |
| Windsor County Vermont | 1 | $ 180,000 | $ 180,000 | $ 219,000 |
| Accomack County Virginia | 1 | $ 29,000 | $ 29,000 | $ 111,000 |
| Charlottesville County Virginia | 1 | $ 175,000 | $ 175,000 | $ 157,000 |
| Colonial Heights County Virginia | 1 | $ 100,000 | $ 100,000 | $ 38,000 |
| Culpeper County Virginia | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Falls Church County Virginia | 1 | $ 275,000 | $ 275,000 | $ 113,000 |
| Fluvanna County Virginia | 1 | $ 47,000 | $ 47,000 | $ 80,000 |
| Franklin County Virginia | 1 | $ 300,000 | $ 300,000 | $ 156,000 |
| Hanover County Virginia | 1 | $ 195,000 | $ 195,000 | $ 36,000 |
| Henrico County Virginia | 1 | $ 222,000 | $ 222,000 | $ 77,000 |
| Isle of Wight County Virginia | 1 | $ 304,000 | $ 304,000 | $ 95,000 |
| Lynchburg County Virginia | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Nelson County Virginia | 1 | $ 157,000 | $ 157,000 | $ 93,000 |
| Newport News County Virginia | 1 | $ 113,000 | $ 113,000 | $ 65,000 |
| Orange County Virginia | 1 | $ 190,000 | $ 190,000 | $ 104,000 |
| Pittsylvania County Virginia | 1 | $ 37,000 | $ 37,000 | $ 68,000 |
| Powhatan County Virginia | 1 | $ 195,000 | $ 195,000 | $ 81,000 |
| Radford County Virginia | 1 | $ 189,000 | $ 189,000 | $ 112,000 |
| Richmond City County Virginia | 1 | $ 304,000 | $ 304,000 | $ 130,000 |
| Rockbridge County Virginia | 1 | $ 266,000 | $ 266,000 | $ 46,000 |
| Suffolk County Virginia | 1 | $ 270,000 | $ 270,000 | $ 72,000 |
| Warren County Virginia | 1 | $ 49,000 | $ 49,000 | $ 64,000 |
| Benton County Washington | 1 | $ 180,000 | $ 180,000 | $ 122,000 |
| Chelan County Washington | 1 | $ 310,000 | $ 310,000 | $ 79,000 |
| Cowlitz County Washington | 1 | $ 233,000 | $ 233,000 | $ 100,000 |
| Douglas County Washington | 1 | $ 72,000 | $ 72,000 | $ 67,000 |
| Franklin County Washington | 1 | $ 158,000 | $ 158,000 | $ 114,000 |
| Grant County Washington | 1 | $ 150,000 | $ 150,000 | $ 180,000 |
| Mason County Washington | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Thurston County Washington | 1 | $ 170,000 | $ 170,000 | $ 84,000 |
| Yakima County Washington | 1 | $ 19,000 | $ 19,000 | $ 38,000 |
| Greenbrier County West Virginia | 1 | $ 32,000 | $ 32,000 | $ 33,000 |
| Harrison County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Mercer County West Virginia | 1 | $ 77,000 | $ 77,000 | $ 62,000 |
| Monongalia County West Virginia | 1 | $ 97,000 | $ 97,000 | $ 180,000 |
| Buffalo County Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 50,000 |
| Kenosha County Wisconsin | 1 | $ 410,000 | $ 410,000 | $ 169,000 |
| La Crosse County Wisconsin | 1 | $ 282,000 | $ 282,000 | $ 130,000 |
| Ozaukee County Wisconsin | 1 | $ 496,000 | $ 496,000 | $ 525,000 |
| Sawyer County Wisconsin | 1 | $ 28,000 | $ 28,000 | $ 70,000 |
| Sheboygan County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 99,000 |
| Washburn County Wisconsin | 1 | $ 136,000 | $ 136,000 | $ 240,000 |
| Washington County Wisconsin | 1 | $ 211,000 | $ 211,000 | $ 75,000 |
| Winnebago County Wisconsin | 1 | $ 42,000 | $ 42,000 | $ 134,000 |
| Albany County Wyoming | 1 | $ 147,000 | $ 147,000 | $ 126,000 |
| Campbell County Wyoming | 1 | $ 240,000 | $ 240,000 | $ 83,000 |
| Carbon County Wyoming | 1 | $ 63,000 | $ 63,000 | $ 53,000 |
| Crook County Wyoming | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Johnson County Wyoming | 1 | $ 280,000 | $ 280,000 | $ 210,000 |
| Park County Wyoming | 1 | $ 180,000 | $ 180,000 | $ 90,000 |
| Sheridan County Wyoming | 1 | $ 117,000 | $ 117,000 | $ 57,000 |
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 Kansas,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for National Bank Of Kansas City in 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 3,780 | $752,773,000 | $208,180 | $1,000,000 | $115,780 | $1,480,000 |
| Home Purchase (one-to-four family) | 1,131 | $163,999,000 | $206,340 | $960,000 | $122,431 | $500,000 |
| Home Improvement (one-to-four family) | 813 | $68,898,000 | $68,476 | $560,000 | $85,095 | $477,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 3,484 | $622,935,000 | $209,700 | $1,000,000 | $117,760 | $1,480,000 |
| Information not provided by applicant in mail or telephone application | 1,865 | $292,342,000 | $144,714 | $960,000 | $99,306 | $867,000 |
| Asian or Pacific Islander | 179 | $38,877,000 | $223,344 | $950,000 | $141,275 | $420,000 |
| Black | 81 | $11,439,000 | $195,857 | $315,000 | $104,785 | $266,000 |
| Hispanic | 76 | $14,041,000 | $201,937 | $465,000 | $108,812 | $280,000 |
| American Indian or Alaskan Native | 18 | $2,794,000 | $174,416 | $274,000 | $105,583 | $187,000 |
| Other | 15 | $2,541,000 | $182,142 | $323,000 | $97,000 | $221,000 |
| Not applicable | 6 | $701,000 | $116,500 | $171,000 | $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) | 5,173 | $930,891,000 | $177,440 | $1,000,000 | $109,220 | $1,480,000 |
| FHA-insured (Federal Housing Administration) | 447 | $42,080,000 | $86,333 | $178,000 | $35,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 100 | $12,181,000 | $124,500 | $273,000 | $49,500 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $518,000 | $129,000 | $133,000 | $55,000 | $62,000 |
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 | 5,115 | $887,010,000 | $178,080 | $1,000,000 | $111,340 | $1,480,000 |
| Application Withdrawn By Applicant | 254 | $44,626,000 | $220,562 | $960,000 | $114,218 | $496,000 |
| Application Denied By Financial Institution | 246 | $31,663,000 | $115,638 | $600,000 | $81,750 | $265,000 |
| Application Approved But Not Accepted | 107 | $21,708,000 | $204,066 | $570,000 | $110,466 | $300,000 |
| File Closed For Incompleteness | 2 | $663,000 | $331,500 | $465,000 | $70,500 | $85,000 |
| Loan Purchased By The 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 Application Incomplete | 106 | $10,800,000 | $99,166 | $560,000 | $91,166 | $265,000 |
| Other | 64 | $8,856,000 | $130,166 | $500,000 | $84,541 | $264,000 |
| Debt-To-Income Ratio | 34 | $6,513,000 | $220,266 | $600,000 | $67,333 | $150,000 |
| Collateral | 26 | $3,422,000 | $170,181 | $591,000 | $81,090 | $150,000 |
| Credit History | 8 | $995,000 | $126,600 | $280,000 | $121,200 | $190,000 |
| Employment History | 4 | $356,000 | $69,333 | $219,000 | $49,333 | $63,000 |
| Unverifiable Information | 3 | $341,000 | $113,666 | $172,000 | $33,000 | $38,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $380,000 | $380,000 | $380,000 | $72,000 | $72,000 |
| 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 KS, 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 Kansas, and search similar information at your convenience.