New York Community Bank
Mortgage Loan Application
Totals and Details
for 2013
Find mortgage loan statistics, lending data, and loan application totals for New York.
The mortgage statistics and data below are specific to mortgage loan applications for New York Community 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 | New York Community Bank 615 Merrick Avenue Westbury, NY 11590 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,162 |
| Total Mortgage Loan Application Amount | $2,937,920,000 |
| Average Mortgage Loan Application Amount | $1,835,333 |
| Highest Mortgage Loan Application Amount | $99,999,000 |
| Average Applicant Income | $32,666 |
| Highest Applicant Income | $4,285,000 |
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 NY, 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 |
|---|---|---|---|---|
| Maricopa County Arizona | 397 | $ 214,521,000 | $ 540,000 | $ 8,000 |
| Cuyahoga County Ohio | 238 | $ 54,899,000 | $ 230,000 | $ 14,000 |
| Suffolk County New York | 232 | $ 83,375,000 | $ 359,000 | $ 135,000 |
| Nassau County New York | 218 | $ 81,129,000 | $ 372,000 | $ 130,000 |
| Santa Clara County California | 165 | $ 124,648,000 | $ 755,000 | $ 0 |
| Kings County New York | 154 | $ 207,152,000 | $ 1,345,000 | $ 89,000 |
| Queens County New York | 152 | $ 137,396,000 | $ 903,000 | $ 73,000 |
| Richmond County New York | 126 | $ 40,394,000 | $ 320,000 | $ 102,000 |
| Summit County Ohio | 93 | $ 16,197,000 | $ 174,000 | $ 9,000 |
| New York County New York | 79 | $ 527,767,000 | $ 6,680,000 | $ 73,000 |
| Westchester County New York | 68 | $ 29,629,000 | $ 435,000 | $ 159,000 |
| Palm Beach County Florida | 63 | $ 14,263,000 | $ 226,000 | $ 46,000 |
| San Diego County California | 51 | $ 29,877,000 | $ 585,000 | $ 0 |
| King County Washington | 51 | $ 33,964,000 | $ 665,000 | $ 0 |
| Lake County Ohio | 48 | $ 8,945,000 | $ 186,000 | $ 4,000 |
| Middlesex County New Jersey | 45 | $ 48,554,000 | $ 1,078,000 | $ 28,000 |
| Monmouth County New Jersey | 43 | $ 14,613,000 | $ 339,000 | $ 5,000 |
| Bronx County New York | 43 | $ 93,066,000 | $ 2,164,000 | $ 11,000 |
| Alameda County California | 40 | $ 26,244,000 | $ 656,000 | $ 0 |
| Ocean County New Jersey | 40 | $ 29,450,000 | $ 736,000 | $ 7,000 |
| Broward County Florida | 36 | $ 21,688,000 | $ 602,000 | $ 28,000 |
| Lorain County Ohio | 32 | $ 5,376,000 | $ 168,000 | $ 15,000 |
| St. Lucie County Florida | 31 | $ 2,925,000 | $ 94,000 | $ 7,000 |
| Essex County New Jersey | 30 | $ 60,841,000 | $ 2,028,000 | $ 16,000 |
| Union County New Jersey | 28 | $ 9,045,000 | $ 323,000 | $ 51,000 |
| Portage County Ohio | 28 | $ 3,386,000 | $ 120,000 | $ 17,000 |
| Miami-Dade County Florida | 27 | $ 18,550,000 | $ 687,000 | $ 27,000 |
| Collier County Florida | 24 | $ 36,755,000 | $ 1,531,000 | $ 7,000 |
| Hudson County New Jersey | 24 | $ 81,935,000 | $ 3,413,000 | $ 24,000 |
| Mercer County New Jersey | 22 | $ 80,082,000 | $ 3,640,000 | $ 14,000 |
| Medina County Ohio | 21 | $ 2,883,000 | $ 137,000 | $ 11,000 |
| Philadelphia County Pennsylvania | 21 | $ 261,949,000 | $ 12,473,000 | $ 0 |
| Orange County New York | 19 | $ 5,215,000 | $ 274,000 | $ 214,000 |
| San Mateo County California | 18 | $ 14,564,000 | $ 809,000 | $ 0 |
| Yavapai County Arizona | 16 | $ 3,474,000 | $ 217,000 | $ 42,000 |
| Contra Costa County California | 16 | $ 10,329,000 | $ 645,000 | $ 0 |
| Geauga County Ohio | 15 | $ 1,967,000 | $ 131,000 | $ 9,000 |
| Harris County Texas | 14 | $ 10,601,000 | $ 757,000 | $ 0 |
| Rockland County New York | 13 | $ 4,421,000 | $ 340,000 | $ 138,000 |
| Los Angeles County California | 12 | $ 9,312,000 | $ 776,000 | $ 0 |
| Orange County California | 12 | $ 7,524,000 | $ 627,000 | $ 0 |
| Montgomery County Maryland | 12 | $ 9,826,000 | $ 818,000 | $ 0 |
| Delaware County Pennsylvania | 11 | $ 27,025,000 | $ 2,456,000 | $ 0 |
| Lee County Florida | 10 | $ 1,348,000 | $ 134,000 | $ 18,000 |
| Bergen County New Jersey | 9 | $ 19,068,000 | $ 2,118,000 | $ 46,000 |
| Boulder County Colorado | 8 | $ 4,731,000 | $ 591,000 | $ 0 |
| Wake County North Carolina | 8 | $ 3,623,000 | $ 452,000 | $ 0 |
| Fairfax County Virginia | 8 | $ 4,882,000 | $ 610,000 | $ 0 |
| Sarasota County Florida | 7 | $ 3,611,000 | $ 515,000 | $ 66,000 |
| Dutchess County New York | 7 | $ 2,021,000 | $ 288,000 | $ 198,000 |
| Erie County New York | 7 | $ 1,632,000 | $ 233,000 | $ 158,000 |
| Putnam County New York | 7 | $ 1,890,000 | $ 270,000 | $ 131,000 |
| Dallas County Texas | 7 | $ 4,335,000 | $ 619,000 | $ 0 |
| Middlesex County Massachusetts | 6 | $ 3,094,000 | $ 515,000 | $ 0 |
| Morris County New Jersey | 6 | $ 1,744,000 | $ 290,000 | $ 148,000 |
| Travis County Texas | 6 | $ 3,323,000 | $ 553,000 | $ 0 |
| Denver County Colorado | 5 | $ 3,133,000 | $ 626,000 | $ 0 |
| Douglas County Colorado | 5 | $ 2,252,000 | $ 450,000 | $ 0 |
| Fairfield County Connecticut | 5 | $ 6,024,000 | $ 1,204,000 | $ 0 |
| Ulster County New York | 5 | $ 1,131,000 | $ 226,000 | $ 162,000 |
| Mecklenburg County North Carolina | 5 | $ 2,267,000 | $ 453,000 | $ 0 |
| Fort Bend County Texas | 5 | $ 2,535,000 | $ 507,000 | $ 0 |
| Snohomish County Washington | 5 | $ 1,518,000 | $ 303,000 | $ 0 |
| Placer County California | 4 | $ 2,790,000 | $ 697,000 | $ 0 |
| Arapahoe County Colorado | 4 | $ 3,120,000 | $ 780,000 | $ 0 |
| Jefferson County Colorado | 4 | $ 2,004,000 | $ 501,000 | $ 0 |
| Martin County Florida | 4 | $ 703,000 | $ 175,000 | $ 38,000 |
| Cook County Illinois | 4 | $ 1,899,000 | $ 474,000 | $ 0 |
| Polk County Iowa | 4 | $ 677,000 | $ 169,000 | $ 0 |
| Howard County Maryland | 4 | $ 2,067,000 | $ 516,000 | $ 0 |
| St. Louis County Missouri | 4 | $ 1,356,000 | $ 339,000 | $ 0 |
| Camden County New Jersey | 4 | $ 26,180,000 | $ 6,545,000 | $ 32,000 |
| Passaic County New Jersey | 4 | $ 3,938,000 | $ 984,000 | $ 13,000 |
| Somerset County New Jersey | 4 | $ 4,810,000 | $ 1,202,000 | $ 66,000 |
| Sullivan County New York | 4 | $ 615,000 | $ 153,000 | $ 192,000 |
| Bucks County Pennsylvania | 4 | $ 19,557,000 | $ 4,889,000 | $ 0 |
| Pima County Arizona | 3 | $ 16,017,000 | $ 5,339,000 | $ 166,000 |
| San Bernardino County California | 3 | $ 1,218,000 | $ 406,000 | $ 0 |
| San Francisco County California | 3 | $ 2,683,000 | $ 894,000 | $ 0 |
| Brevard County Florida | 3 | $ 368,000 | $ 122,000 | $ 80,000 |
| Hillsborough County Florida | 3 | $ 1,405,000 | $ 468,000 | $ 0 |
| Volusia County Florida | 3 | $ 12,000,000 | $ 4,000,000 | $ 0 |
| DuPage County Illinois | 3 | $ 1,958,000 | $ 652,000 | $ 0 |
| Lake County Indiana | 3 | $ 432,000 | $ 144,000 | $ 0 |
| Gloucester County New Jersey | 3 | $ 18,995,000 | $ 6,331,000 | $ 0 |
| Hunterdon County New Jersey | 3 | $ 3,130,000 | $ 1,043,000 | $ 108,000 |
| Columbia County New York | 3 | $ 773,000 | $ 257,000 | $ 271,000 |
| Greene County New York | 3 | $ 622,000 | $ 207,000 | $ 192,000 |
| Guilford County North Carolina | 3 | $ 2,375,000 | $ 791,000 | $ 0 |
| Collin County Texas | 3 | $ 1,216,000 | $ 405,000 | $ 0 |
| Montgomery County Texas | 3 | $ 2,242,000 | $ 747,000 | $ 0 |
| Waukesha County Wisconsin | 3 | $ 1,367,000 | $ 455,000 | $ 0 |
| Coconino County Arizona | 2 | $ 375,000 | $ 187,000 | $ 0 |
| Ventura County California | 2 | $ 1,122,000 | $ 561,000 | $ 0 |
| Eagle County Colorado | 2 | $ 2,318,000 | $ 1,159,000 | $ 0 |
| District of Columbia County District Of Columbia | 2 | $ 963,000 | $ 481,000 | $ 0 |
| Leon County Florida | 2 | $ 282,000 | $ 141,000 | $ 93,000 |
| Orange County Florida | 2 | $ 391,000 | $ 195,000 | $ 117,000 |
| Lake County Illinois | 2 | $ 562,000 | $ 281,000 | $ 0 |
| Will County Illinois | 2 | $ 1,140,000 | $ 570,000 | $ 0 |
| Delaware County New York | 2 | $ 371,000 | $ 185,000 | $ 197,000 |
| Ontario County New York | 2 | $ 435,000 | $ 217,000 | $ 264,000 |
| Allegheny County Pennsylvania | 2 | $ 802,000 | $ 401,000 | $ 0 |
| Chester County Pennsylvania | 2 | $ 38,280,000 | $ 19,140,000 | $ 0 |
| Montgomery County Pennsylvania | 2 | $ 38,750,000 | $ 19,375,000 | $ 0 |
| Northampton County Pennsylvania | 2 | $ 5,164,000 | $ 2,582,000 | $ 0 |
| Milwaukee County Wisconsin | 2 | $ 484,000 | $ 242,000 | $ 0 |
| Cochise County Arizona | 1 | $ 223,000 | $ 223,000 | $ 165,000 |
| El Dorado County California | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Monterey County California | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Napa County California | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Nevada County California | 1 | $ 828,000 | $ 828,000 | $ 0 |
| Riverside County California | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Sacramento County California | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Solano County California | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Sonoma County California | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Broomfield County Colorado | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Routt County Colorado | 1 | $ 542,000 | $ 542,000 | $ 0 |
| Weld County Colorado | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Duval County Florida | 1 | $ 5,325,000 | $ 5,325,000 | $ 0 |
| Hernando County Florida | 1 | $ 192,000 | $ 192,000 | $ 119,000 |
| Manatee County Florida | 1 | $ 21,000,000 | $ 21,000,000 | $ 0 |
| Monroe County Florida | 1 | $ 351,000 | $ 351,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 532,000 | $ 532,000 | $ 403,000 |
| Pasco County Florida | 1 | $ 320,000 | $ 320,000 | $ 118,000 |
| Pinellas County Florida | 1 | $ 557,000 | $ 557,000 | $ 0 |
| Polk County Florida | 1 | $ 236,000 | $ 236,000 | $ 190,000 |
| Santa Rosa County Florida | 1 | $ 261,000 | $ 261,000 | $ 0 |
| Seminole County Florida | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Sumter County Florida | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Boone County Kentucky | 1 | $ 94,000 | $ 94,000 | $ 0 |
| Jefferson County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 649,000 | $ 649,000 | $ 0 |
| Baltimore County Maryland | 1 | $ 4,875,000 | $ 4,875,000 | $ 0 |
| Baltimore City County Maryland | 1 | $ 25,093,000 | $ 25,093,000 | $ 0 |
| Frederick County Maryland | 1 | $ 270,000 | $ 270,000 | $ 0 |
| Norfolk County Massachusetts | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Worcester County Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Crow Wing County Minnesota | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Scott County Minnesota | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Boone County Missouri | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Atlantic County New Jersey | 1 | $ 3,225,000 | $ 3,225,000 | $ 0 |
| Cumberland County New Jersey | 1 | $ 4,800,000 | $ 4,800,000 | $ 0 |
| Salem County New Jersey | 1 | $ 5,250,000 | $ 5,250,000 | $ 0 |
| Niagara County New York | 1 | $ 263,000 | $ 263,000 | $ 155,000 |
| Oneida County New York | 1 | $ 129,000 | $ 129,000 | $ 57,000 |
| Rensselaer County New York | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Saratoga County New York | 1 | $ 223,000 | $ 223,000 | $ 103,000 |
| Schenectady County New York | 1 | $ 264,000 | $ 264,000 | $ 78,000 |
| Warren County New York | 1 | $ 60,000 | $ 60,000 | $ 250,000 |
| Durham County North Carolina | 1 | $ 162,000 | $ 162,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Johnston County North Carolina | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Union County North Carolina | 1 | $ 593,000 | $ 593,000 | $ 0 |
| Franklin County Ohio | 1 | $ 192,000 | $ 192,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 84,000 | $ 84,000 | $ 121,000 |
| Stark County Ohio | 1 | $ 140,000 | $ 140,000 | $ 143,000 |
| Clackamas County Oregon | 1 | $ 249,000 | $ 249,000 | $ 0 |
| Dauphin County Pennsylvania | 1 | $ 19,500,000 | $ 19,500,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 13,800,000 | $ 13,800,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 0 |
| York County Pennsylvania | 1 | $ 3,250,000 | $ 3,250,000 | $ 0 |
| Providence County Rhode Island | 1 | $ 400,000 | $ 400,000 | $ 0 |
| York County South Carolina | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Bexar County Texas | 1 | $ 678,000 | $ 678,000 | $ 0 |
| Burnet County Texas | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Denton County Texas | 1 | $ 258,000 | $ 258,000 | $ 0 |
| Randall County Texas | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Tarrant County Texas | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Albemarle County Virginia | 1 | $ 1,890,000 | $ 1,890,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Arlington County Virginia | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Loudoun County Virginia | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Prince William County Virginia | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Island County Washington | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 318,000 | $ 318,000 | $ 0 |
| Door County Wisconsin | 1 | $ 296,000 | $ 296,000 | $ 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 York,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for New York Community Bank in 2013
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 | 1,929 | $2,100,441,000 | $1,088,000 | $99,999,000 | $44,000 | $1,300,000 |
| Home Purchase | 1,227 | $814,953,000 | $664,000 | $50,000,000 | $54,000 | $4,285,000 |
| Home Improvement | 6 | $22,526,000 | $3,754,000 | $19,500,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,028 | $2,564,815,000 | $1,264,000 | $99,999,000 | $0 | $0 |
| White | 876 | $267,792,000 | $305,000 | $3,500,000 | $143,000 | $4,285,000 |
| Not Provided | 88 | $60,864,000 | $691,000 | $14,632,000 | $119,000 | $588,000 |
| Asian | 71 | $22,910,000 | $322,000 | $626,000 | $116,000 | $299,000 |
| Black or African American | 49 | $7,826,000 | $159,000 | $510,000 | $77,000 | $499,000 |
| Hispanic | 48 | $13,489,000 | $281,000 | $620,000 | $111,000 | $368,000 |
| American Indian or Alaskan Native | 2 | $224,000 | $112,000 | $166,000 | $56,000 | $67,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,741 | $2,884,906,000 | $1,052,000 | $99,999,000 | $56,000 | $4,285,000 |
| FHA-insured (Federal Housing Administration) | 361 | $44,033,000 | $121,000 | $355,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 60 | $8,981,000 | $149,000 | $346,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 Purchased By The Institution | 1,680 | $553,221,000 | $329,000 | $2,600,000 | $0 | $0 |
| Loan Originated | 947 | $1,367,821,000 | $1,444,000 | $83,700,000 | $105,000 | $4,285,000 |
| Application Denied By Financial Institution | 276 | $660,865,000 | $2,394,000 | $99,999,000 | $76,000 | $1,300,000 |
| Application Approved But Not Accepted | 233 | $195,105,000 | $837,000 | $31,500,000 | $136,000 | $2,086,000 |
| Application Withdrawn By Applicant | 26 | $160,908,000 | $6,188,000 | $50,000,000 | $28,000 | $269,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 NY, 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 York, and search similar information at your convenience.