Premier Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Premier Bank 15301 W 87Th Parkway Lenexa, KS 66219 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 | 325 |
| Total Mortgage Loan Application Amount | $67,504,000 |
| Average Mortgage Loan Application Amount | $216,773 |
| Highest Mortgage Loan Application Amount | $974,000 |
| Average Applicant Income | $134,471 |
| Highest Applicant Income | $1,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Premier Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Premier Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Premier Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Premier Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Premier Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Premier Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Johnson County Kansas | 40 | $ 7,779,000 | $ 194,000 | $ 112,000 |
| Cook County Illinois | 9 | $ 1,983,000 | $ 220,000 | $ 102,000 |
| Jackson County Missouri | 7 | $ 1,120,000 | $ 160,000 | $ 109,000 |
| Clark County Nevada | 7 | $ 1,210,000 | $ 172,000 | $ 82,000 |
| Fairfax County Virginia | 7 | $ 2,154,000 | $ 307,000 | $ 110,000 |
| Middlesex County Massachusetts | 6 | $ 1,385,000 | $ 230,000 | $ 89,000 |
| Suffolk County New York | 6 | $ 827,000 | $ 137,000 | $ 91,000 |
| Bucks County Pennsylvania | 5 | $ 847,000 | $ 169,000 | $ 92,000 |
| King County Washington | 5 | $ 1,777,000 | $ 355,000 | $ 103,000 |
| San Bernardino County California | 4 | $ 536,000 | $ 134,000 | $ 78,000 |
| Jefferson County Colorado | 4 | $ 630,000 | $ 157,000 | $ 72,000 |
| Fairfield County Connecticut | 4 | $ 1,674,000 | $ 418,000 | $ 137,000 |
| McLean County Illinois | 4 | $ 383,000 | $ 95,000 | $ 38,000 |
| Clay County Missouri | 4 | $ 690,000 | $ 172,000 | $ 89,000 |
| Platte County Missouri | 4 | $ 638,000 | $ 159,000 | $ 61,000 |
| Bergen County New Jersey | 4 | $ 1,283,000 | $ 320,000 | $ 113,000 |
| Nassau County New York | 4 | $ 931,000 | $ 232,000 | $ 93,000 |
| Chester County Pennsylvania | 4 | $ 1,369,000 | $ 342,000 | $ 169,000 |
| Los Angeles County California | 3 | $ 827,000 | $ 275,000 | $ 107,000 |
| Miami-Dade County Florida | 3 | $ 810,000 | $ 270,000 | $ 116,000 |
| Wyandotte County Kansas | 3 | $ 282,000 | $ 94,000 | $ 45,000 |
| Washoe County Nevada | 3 | $ 517,000 | $ 172,000 | $ 83,000 |
| Somerset County New Jersey | 3 | $ 980,000 | $ 326,000 | $ 128,000 |
| Montgomery County Pennsylvania | 3 | $ 541,000 | $ 180,000 | $ 118,000 |
| Pierce County Washington | 3 | $ 538,000 | $ 179,000 | $ 77,000 |
| Riverside County California | 2 | $ 339,000 | $ 169,000 | $ 113,000 |
| San Diego County California | 2 | $ 871,000 | $ 435,000 | $ 116,000 |
| San Joaquin County California | 2 | $ 530,000 | $ 265,000 | $ 66,000 |
| District of Columbia County District Of Columbia | 2 | $ 861,000 | $ 430,000 | $ 155,000 |
| Palm Beach County Florida | 2 | $ 588,000 | $ 294,000 | $ 64,000 |
| DuPage County Illinois | 2 | $ 557,000 | $ 278,000 | $ 106,000 |
| Harford County Maryland | 2 | $ 305,000 | $ 152,000 | $ 81,000 |
| Montgomery County Maryland | 2 | $ 387,000 | $ 193,000 | $ 195,000 |
| Bristol County Massachusetts | 2 | $ 403,000 | $ 201,000 | $ 59,000 |
| Hennepin County Minnesota | 2 | $ 343,000 | $ 171,000 | $ 390,000 |
| Washington County Minnesota | 2 | $ 669,000 | $ 334,000 | $ 175,000 |
| Rockingham County New Hampshire | 2 | $ 117,000 | $ 58,000 | $ 76,000 |
| Atlantic County New Jersey | 2 | $ 204,000 | $ 102,000 | $ 85,000 |
| Camden County New Jersey | 2 | $ 179,000 | $ 89,000 | $ 55,000 |
| Essex County New Jersey | 2 | $ 623,000 | $ 311,000 | $ 146,000 |
| Middlesex County New Jersey | 2 | $ 437,000 | $ 218,000 | $ 100,000 |
| Monmouth County New Jersey | 2 | $ 311,000 | $ 155,000 | $ 88,000 |
| Morris County New Jersey | 2 | $ 692,000 | $ 346,000 | $ 197,000 |
| Ocean County New Jersey | 2 | $ 240,000 | $ 120,000 | $ 72,000 |
| Sussex County New Jersey | 2 | $ 281,000 | $ 140,000 | $ 79,000 |
| Wake County North Carolina | 2 | $ 333,000 | $ 166,000 | $ 86,000 |
| Deschutes County Oregon | 2 | $ 361,000 | $ 180,000 | $ 49,000 |
| Allegheny County Pennsylvania | 2 | $ 966,000 | $ 483,000 | $ 302,000 |
| Delaware County Pennsylvania | 2 | $ 450,000 | $ 225,000 | $ 100,000 |
| Lackawanna County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 65,000 |
| Harris County Texas | 2 | $ 449,000 | $ 224,000 | $ 80,000 |
| Coconino County Arizona | 1 | $ 284,000 | $ 284,000 | $ 101,000 |
| Maricopa County Arizona | 1 | $ 188,000 | $ 188,000 | $ 59,000 |
| Pima County Arizona | 1 | $ 334,000 | $ 334,000 | $ 123,000 |
| Yavapai County Arizona | 1 | $ 296,000 | $ 296,000 | $ 68,000 |
| Alameda County California | 1 | $ 334,000 | $ 334,000 | $ 78,000 |
| Marin County California | 1 | $ 477,000 | $ 477,000 | $ 187,000 |
| Monterey County California | 1 | $ 620,000 | $ 620,000 | $ 286,000 |
| Placer County California | 1 | $ 98,000 | $ 98,000 | $ 66,000 |
| Sacramento County California | 1 | $ 325,000 | $ 325,000 | $ 95,000 |
| San Mateo County California | 1 | $ 480,000 | $ 480,000 | $ 164,000 |
| Tulare County California | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Ventura County California | 1 | $ 468,000 | $ 468,000 | $ 106,000 |
| Douglas County Colorado | 1 | $ 300,000 | $ 300,000 | $ 161,000 |
| El Paso County Colorado | 1 | $ 189,000 | $ 189,000 | $ 48,000 |
| Gilpin County Colorado | 1 | $ 181,000 | $ 181,000 | $ 42,000 |
| Las Animas County Colorado | 1 | $ 51,000 | $ 51,000 | $ 61,000 |
| Summit County Colorado | 1 | $ 400,000 | $ 400,000 | $ 121,000 |
| Middlesex County Connecticut | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| New Haven County Connecticut | 1 | $ 598,000 | $ 598,000 | $ 165,000 |
| Broward County Florida | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Duval County Florida | 1 | $ 90,000 | $ 90,000 | $ 59,000 |
| Sumter County Florida | 1 | $ 150,000 | $ 150,000 | $ 36,000 |
| Clayton County Georgia | 1 | $ 58,000 | $ 58,000 | $ 77,000 |
| Fulton County Georgia | 1 | $ 206,000 | $ 206,000 | $ 60,000 |
| Gwinnett County Georgia | 1 | $ 113,000 | $ 113,000 | $ 38,000 |
| Kane County Illinois | 1 | $ 328,000 | $ 328,000 | $ 87,000 |
| Madison County Illinois | 1 | $ 99,000 | $ 99,000 | $ 26,000 |
| Mason County Illinois | 1 | $ 55,000 | $ 55,000 | $ 55,000 |
| Ogle County Illinois | 1 | $ 42,000 | $ 42,000 | $ 75,000 |
| Will County Illinois | 1 | $ 210,000 | $ 210,000 | $ 81,000 |
| Crawford County Kansas | 1 | $ 84,000 | $ 84,000 | $ 58,000 |
| Leavenworth County Kansas | 1 | $ 181,000 | $ 181,000 | $ 73,000 |
| Linn County Kansas | 1 | $ 59,000 | $ 59,000 | $ 29,000 |
| Miami County Kansas | 1 | $ 410,000 | $ 410,000 | $ 177,000 |
| Daviess County Kentucky | 1 | $ 174,000 | $ 174,000 | $ 104,000 |
| Franklin County Kentucky | 1 | $ 131,000 | $ 131,000 | $ 84,000 |
| Anne Arundel County Maryland | 1 | $ 230,000 | $ 230,000 | $ 57,000 |
| Baltimore County Maryland | 1 | $ 292,000 | $ 292,000 | $ 52,000 |
| Charles County Maryland | 1 | $ 60,000 | $ 60,000 | $ 96,000 |
| Washington County Maryland | 1 | $ 140,000 | $ 140,000 | $ 31,000 |
| Essex County Massachusetts | 1 | $ 438,000 | $ 438,000 | $ 158,000 |
| Norfolk County Massachusetts | 1 | $ 202,000 | $ 202,000 | $ 101,000 |
| Plymouth County Massachusetts | 1 | $ 230,000 | $ 230,000 | $ 120,000 |
| Worcester County Massachusetts | 1 | $ 220,000 | $ 220,000 | $ 72,000 |
| Antrim County Michigan | 1 | $ 251,000 | $ 251,000 | $ 122,000 |
| Calhoun County Michigan | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Jackson County Michigan | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
| Ogemaw County Michigan | 1 | $ 72,000 | $ 72,000 | $ 44,000 |
| Wayne County Michigan | 1 | $ 74,000 | $ 74,000 | $ 82,000 |
| Anoka County Minnesota | 1 | $ 304,000 | $ 304,000 | $ 112,000 |
| Becker County Minnesota | 1 | $ 76,000 | $ 76,000 | $ 77,000 |
| Dakota County Minnesota | 1 | $ 147,000 | $ 147,000 | $ 180,000 |
| Nicollet County Minnesota | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Olmsted County Minnesota | 1 | $ 176,000 | $ 176,000 | $ 45,000 |
| St. Louis County Minnesota | 1 | $ 130,000 | $ 130,000 | $ 51,000 |
| Boone County Missouri | 1 | $ 95,000 | $ 95,000 | $ 84,000 |
| Camden County Missouri | 1 | $ 112,000 | $ 112,000 | $ 120,000 |
| Cass County Missouri | 1 | $ 280,000 | $ 280,000 | $ 102,000 |
| Greene County Missouri | 1 | $ 141,000 | $ 141,000 | $ 33,000 |
| Jefferson County Missouri | 1 | $ 150,000 | $ 150,000 | $ 74,000 |
| Livingston County Missouri | 1 | $ 29,000 | $ 29,000 | $ 48,000 |
| St. Louis County Missouri | 1 | $ 75,000 | $ 75,000 | $ 112,000 |
| Grafton County New Hampshire | 1 | $ 334,000 | $ 334,000 | $ 1,999,000 |
| Hillsborough County New Hampshire | 1 | $ 602,000 | $ 602,000 | $ 273,000 |
| Burlington County New Jersey | 1 | $ 300,000 | $ 300,000 | $ 153,000 |
| Hudson County New Jersey | 1 | $ 426,000 | $ 426,000 | $ 98,000 |
| Hunterdon County New Jersey | 1 | $ 333,000 | $ 333,000 | $ 121,000 |
| Mercer County New Jersey | 1 | $ 312,000 | $ 312,000 | $ 94,000 |
| Salem County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Union County New Jersey | 1 | $ 100,000 | $ 100,000 | $ 40,000 |
| Columbia County New York | 1 | $ 174,000 | $ 174,000 | $ 75,000 |
| Erie County New York | 1 | $ 53,000 | $ 53,000 | $ 46,000 |
| Kings County New York | 1 | $ 272,000 | $ 272,000 | $ 115,000 |
| Oneida County New York | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Onondaga County New York | 1 | $ 93,000 | $ 93,000 | $ 96,000 |
| Putnam County New York | 1 | $ 70,000 | $ 70,000 | $ 57,000 |
| Rockland County New York | 1 | $ 69,000 | $ 69,000 | $ 72,000 |
| Saratoga County New York | 1 | $ 61,000 | $ 61,000 | $ 147,000 |
| Sullivan County New York | 1 | $ 250,000 | $ 250,000 | $ 100,000 |
| Brunswick County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Buncombe County North Carolina | 1 | $ 400,000 | $ 400,000 | $ 107,000 |
| Craven County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 17,000 |
| Gaston County North Carolina | 1 | $ 57,000 | $ 57,000 | $ 13,000 |
| Johnston County North Carolina | 1 | $ 49,000 | $ 49,000 | $ 84,000 |
| Mecklenburg County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| New Hanover County North Carolina | 1 | $ 360,000 | $ 360,000 | $ 122,000 |
| Franklin County Ohio | 1 | $ 239,000 | $ 239,000 | $ 147,000 |
| Geauga County Ohio | 1 | $ 187,000 | $ 187,000 | $ 63,000 |
| Mercer County Ohio | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Portage County Ohio | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Summit County Ohio | 1 | $ 82,000 | $ 82,000 | $ 89,000 |
| Warren County Ohio | 1 | $ 60,000 | $ 60,000 | $ 41,000 |
| Wood County Ohio | 1 | $ 316,000 | $ 316,000 | $ 120,000 |
| Yamhill County Oregon | 1 | $ 388,000 | $ 388,000 | $ 102,000 |
| Beaver County Pennsylvania | 1 | $ 102,000 | $ 102,000 | $ 34,000 |
| Berks County Pennsylvania | 1 | $ 217,000 | $ 217,000 | $ 65,000 |
| Franklin County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Greene County Pennsylvania | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Philadelphia County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Washington County Pennsylvania | 1 | $ 330,000 | $ 330,000 | $ 209,000 |
| York County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 46,000 |
| Loudon County Tennessee | 1 | $ 170,000 | $ 170,000 | $ 206,000 |
| Williamson County Tennessee | 1 | $ 96,000 | $ 96,000 | $ 46,000 |
| Bowie County Texas | 1 | $ 88,000 | $ 88,000 | $ 47,000 |
| Brazos County Texas | 1 | $ 317,000 | $ 317,000 | $ 193,000 |
| Dallas County Texas | 1 | $ 77,000 | $ 77,000 | $ 41,000 |
| Denton County Texas | 1 | $ 103,000 | $ 103,000 | $ 178,000 |
| Guadalupe County Texas | 1 | $ 98,000 | $ 98,000 | $ 64,000 |
| Hemphill County Texas | 1 | $ 99,000 | $ 99,000 | $ 38,000 |
| Hidalgo County Texas | 1 | $ 141,000 | $ 141,000 | $ 86,000 |
| Montgomery County Texas | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Smith County Texas | 1 | $ 120,000 | $ 120,000 | $ 59,000 |
| Chesterfield County Virginia | 1 | $ 318,000 | $ 318,000 | $ 91,000 |
| Fredericksburg County Virginia | 1 | $ 280,000 | $ 280,000 | $ 64,000 |
| Gloucester County Virginia | 1 | $ 186,000 | $ 186,000 | $ 87,000 |
| Henrico County Virginia | 1 | $ 278,000 | $ 278,000 | $ 84,000 |
| Prince William County Virginia | 1 | $ 334,000 | $ 334,000 | $ 82,000 |
| Southampton County Virginia | 1 | $ 270,000 | $ 270,000 | $ 115,000 |
| Spotsylvania County Virginia | 1 | $ 123,000 | $ 123,000 | $ 79,000 |
| Suffolk County Virginia | 1 | $ 399,000 | $ 399,000 | $ 137,000 |
| Wise County Virginia | 1 | $ 74,000 | $ 74,000 | $ 73,000 |
| Grays Harbor County Washington | 1 | $ 54,000 | $ 54,000 | $ 168,000 |
| Thurston County Washington | 1 | $ 290,000 | $ 290,000 | $ 106,000 |
| Carbon County Wyoming | 1 | $ 80,000 | $ 80,000 | $ 60,000 |
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 | 238 | $47,556,000 | $195,592 | $974,000 | $97,592 | $536,000 |
| Home Purchase | 75 | $18,194,000 | $260,315 | $650,000 | $202,947 | $1,999,000 |
| Home Improvement | 12 | $1,754,000 | $180,285 | $304,000 | $90,857 | $168,000 |
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 | 165 | $37,022,000 | $236,148 | $974,000 | $121,000 | $1,999,000 |
| Not Provided | 144 | $26,517,000 | $173,370 | $671,000 | $95,444 | $480,000 |
| Asian | 6 | $2,108,000 | $355,333 | $748,000 | $161,333 | $534,000 |
| Hispanic | 4 | $783,000 | $205,000 | $284,000 | $108,666 | $120,000 |
| American Indian or Alaskan Native | 3 | $241,000 | $80,333 | $109,000 | $32,666 | $44,000 |
| Black or African American | 2 | $728,000 | $364,000 | $606,000 | $99,000 | $142,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $140,000 | $140,000 |
| 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) | 325 | $67,504,000 | $208,535 | $974,000 | $112,928 | $1,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 Originated | 250 | $55,133,000 | $219,892 | $974,000 | $117,357 | $1,999,000 |
| Application Approved But Not Accepted | 44 | $7,548,000 | $170,105 | $671,000 | $85,052 | $300,000 |
| Application Denied By Financial Institution | 23 | $3,520,000 | $154,692 | $411,000 | $54,000 | $160,000 |
| Application Withdrawn By Applicant | 4 | $702,000 | $175,500 | $500,000 | $196,000 | $392,000 |
| File Closed For Incompleteness | 4 | $601,000 | $150,250 | $240,000 | $199,000 | $480,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Premier Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Premier Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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