Readycap Commercial, Llc
Mortgage Loan Application
Totals and Details
for 2018
Find mortgage loan statistics, lending data, and loan application totals for Texas.
The mortgage statistics and data below are specific to mortgage loan applications for Readycap Commercial, Llc.
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 | Readycap Commercial, Llc 1320 Greenway Dr #560 Irving, TX 75038 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 492 |
| Total Mortgage Loan Application Amount | $1,374,770,000 |
| Average Mortgage Loan Application Amount | $2,858,333 |
| Highest Mortgage Loan Application Amount | $14,175,000 |
| Average Applicant Income | $0 |
| Highest Applicant Income | $0 |
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 TX, 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 |
|---|---|---|---|---|
| Los Angeles County California | 35 | $ 76,995,000 | $ 2,199,000 | $ 0 |
| Kings County New York | 21 | $ 64,615,000 | $ 3,076,000 | $ 0 |
| Cook County Illinois | 17 | $ 35,105,000 | $ 2,065,000 | $ 0 |
| King County Washington | 16 | $ 59,420,000 | $ 3,713,000 | $ 0 |
| Dallas County Texas | 14 | $ 40,510,000 | $ 2,893,000 | $ 0 |
| Maricopa County Arizona | 11 | $ 33,445,000 | $ 3,040,000 | $ 0 |
| Miami-Dade County Florida | 10 | $ 20,000,000 | $ 2,000,000 | $ 0 |
| Clark County Nevada | 10 | $ 22,100,000 | $ 2,210,000 | $ 0 |
| Harris County Texas | 10 | $ 33,320,000 | $ 3,332,000 | $ 0 |
| District of Columbia County District Of Columbia | 9 | $ 25,845,000 | $ 2,871,000 | $ 0 |
| New York County New York | 9 | $ 44,615,000 | $ 4,957,000 | $ 0 |
| Multnomah County Oregon | 9 | $ 18,215,000 | $ 2,023,000 | $ 0 |
| Broward County Florida | 8 | $ 19,740,000 | $ 2,467,000 | $ 0 |
| Arapahoe County Colorado | 7 | $ 17,565,000 | $ 2,509,000 | $ 0 |
| Denver County Colorado | 7 | $ 16,995,000 | $ 2,427,000 | $ 0 |
| Jefferson County Colorado | 7 | $ 14,635,000 | $ 2,090,000 | $ 0 |
| Fairfield County Connecticut | 7 | $ 7,855,000 | $ 1,122,000 | $ 0 |
| Sacramento County California | 6 | $ 22,570,000 | $ 3,761,000 | $ 0 |
| Adams County Colorado | 6 | $ 19,020,000 | $ 3,170,000 | $ 0 |
| Tarrant County Texas | 6 | $ 23,820,000 | $ 3,970,000 | $ 0 |
| Pima County Arizona | 5 | $ 9,995,000 | $ 1,999,000 | $ 0 |
| El Paso County Colorado | 5 | $ 16,265,000 | $ 3,253,000 | $ 0 |
| Hartford County Connecticut | 5 | $ 8,245,000 | $ 1,649,000 | $ 0 |
| DeKalb County Georgia | 5 | $ 19,465,000 | $ 3,893,000 | $ 0 |
| Fulton County Georgia | 5 | $ 19,315,000 | $ 3,863,000 | $ 0 |
| Cuyahoga County Ohio | 5 | $ 18,535,000 | $ 3,707,000 | $ 0 |
| Montgomery County Ohio | 5 | $ 11,355,000 | $ 2,271,000 | $ 0 |
| Oklahoma County Oklahoma | 5 | $ 19,505,000 | $ 3,901,000 | $ 0 |
| Richmond City County Virginia | 5 | $ 12,865,000 | $ 2,573,000 | $ 0 |
| Pierce County Washington | 5 | $ 15,745,000 | $ 3,149,000 | $ 0 |
| Palm Beach County Florida | 4 | $ 7,650,000 | $ 1,912,000 | $ 0 |
| Pinellas County Florida | 4 | $ 7,850,000 | $ 1,962,000 | $ 0 |
| Clarke County Georgia | 4 | $ 11,210,000 | $ 2,802,000 | $ 0 |
| Middlesex County Massachusetts | 4 | $ 7,160,000 | $ 1,790,000 | $ 0 |
| Franklin County Ohio | 4 | $ 9,780,000 | $ 2,445,000 | $ 0 |
| Davidson County Tennessee | 4 | $ 13,540,000 | $ 3,385,000 | $ 0 |
| Salt Lake County Utah | 4 | $ 15,140,000 | $ 3,785,000 | $ 0 |
| Jefferson County Alabama | 3 | $ 4,825,000 | $ 1,608,000 | $ 0 |
| New Haven County Connecticut | 3 | $ 6,325,000 | $ 2,108,000 | $ 0 |
| Clayton County Georgia | 3 | $ 4,085,000 | $ 1,361,000 | $ 0 |
| Ada County Idaho | 3 | $ 11,215,000 | $ 3,738,000 | $ 0 |
| Orleans County Louisiana | 3 | $ 5,895,000 | $ 1,965,000 | $ 0 |
| St. Louis County Missouri | 3 | $ 10,675,000 | $ 3,558,000 | $ 0 |
| Essex County New Jersey | 3 | $ 5,125,000 | $ 1,708,000 | $ 0 |
| Hamilton County Ohio | 3 | $ 8,155,000 | $ 2,718,000 | $ 0 |
| Washington County Oregon | 3 | $ 5,215,000 | $ 1,738,000 | $ 0 |
| Bexar County Texas | 3 | $ 11,065,000 | $ 3,688,000 | $ 0 |
| Travis County Texas | 3 | $ 8,425,000 | $ 2,808,000 | $ 0 |
| Snohomish County Washington | 3 | $ 9,255,000 | $ 3,085,000 | $ 0 |
| Fresno County California | 2 | $ 5,160,000 | $ 2,580,000 | $ 0 |
| Orange County California | 2 | $ 7,310,000 | $ 3,655,000 | $ 0 |
| Broomfield County Colorado | 2 | $ 15,010,000 | $ 7,505,000 | $ 0 |
| Duval County Florida | 2 | $ 8,740,000 | $ 4,370,000 | $ 0 |
| Lee County Florida | 2 | $ 5,830,000 | $ 2,915,000 | $ 0 |
| Manatee County Florida | 2 | $ 18,310,000 | $ 9,155,000 | $ 0 |
| Orange County Florida | 2 | $ 6,650,000 | $ 3,325,000 | $ 0 |
| Gwinnett County Georgia | 2 | $ 6,650,000 | $ 3,325,000 | $ 0 |
| Lowndes County Georgia | 2 | $ 4,350,000 | $ 2,175,000 | $ 0 |
| DuPage County Illinois | 2 | $ 2,710,000 | $ 1,355,000 | $ 0 |
| Leavenworth County Kansas | 2 | $ 6,910,000 | $ 3,455,000 | $ 0 |
| Wyandotte County Kansas | 2 | $ 2,900,000 | $ 1,450,000 | $ 0 |
| Jefferson County Kentucky | 2 | $ 5,610,000 | $ 2,805,000 | $ 0 |
| Kenton County Kentucky | 2 | $ 5,030,000 | $ 2,515,000 | $ 0 |
| East Baton Rouge County Louisiana | 2 | $ 9,810,000 | $ 4,905,000 | $ 0 |
| Wayne County Michigan | 2 | $ 1,940,000 | $ 970,000 | $ 0 |
| Ramsey County Minnesota | 2 | $ 7,130,000 | $ 3,565,000 | $ 0 |
| Clay County Missouri | 2 | $ 5,180,000 | $ 2,590,000 | $ 0 |
| Jackson County Missouri | 2 | $ 5,860,000 | $ 2,930,000 | $ 0 |
| Washoe County Nevada | 2 | $ 4,660,000 | $ 2,330,000 | $ 0 |
| Passaic County New Jersey | 2 | $ 2,300,000 | $ 1,150,000 | $ 0 |
| Bernalillo County New Mexico | 2 | $ 10,450,000 | $ 5,225,000 | $ 0 |
| Cayuga County New York | 2 | $ 2,430,000 | $ 1,215,000 | $ 0 |
| Monroe County New York | 2 | $ 4,650,000 | $ 2,325,000 | $ 0 |
| Queens County New York | 2 | $ 2,050,000 | $ 1,025,000 | $ 0 |
| Gaston County North Carolina | 2 | $ 4,750,000 | $ 2,375,000 | $ 0 |
| Wake County North Carolina | 2 | $ 4,310,000 | $ 2,155,000 | $ 0 |
| Allegheny County Pennsylvania | 2 | $ 3,420,000 | $ 1,710,000 | $ 0 |
| Philadelphia County Pennsylvania | 2 | $ 3,700,000 | $ 1,850,000 | $ 0 |
| Shelby County Tennessee | 2 | $ 8,860,000 | $ 4,430,000 | $ 0 |
| Ellis County Texas | 2 | $ 9,510,000 | $ 4,755,000 | $ 0 |
| Kenosha County Wisconsin | 2 | $ 7,010,000 | $ 3,505,000 | $ 0 |
| Alameda County California | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| San Diego County California | 1 | $ 11,005,000 | $ 11,005,000 | $ 0 |
| San Francisco County California | 1 | $ 2,255,000 | $ 2,255,000 | $ 0 |
| San Joaquin County California | 1 | $ 5,905,000 | $ 5,905,000 | $ 0 |
| San Mateo County California | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Santa Clara County California | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Yolo County California | 1 | $ 2,805,000 | $ 2,805,000 | $ 0 |
| Tolland County Connecticut | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Bay County Florida | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Leon County Florida | 1 | $ 2,415,000 | $ 2,415,000 | $ 0 |
| Osceola County Florida | 1 | $ 2,305,000 | $ 2,305,000 | $ 0 |
| Polk County Florida | 1 | $ 1,165,000 | $ 1,165,000 | $ 0 |
| Volusia County Florida | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Barrow County Georgia | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Carroll County Georgia | 1 | $ 945,000 | $ 945,000 | $ 0 |
| Chatham County Georgia | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 3,875,000 | $ 3,875,000 | $ 0 |
| Cobb County Georgia | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Muscogee County Georgia | 1 | $ 1,465,000 | $ 1,465,000 | $ 0 |
| Hawaii County Hawaii | 1 | $ 3,455,000 | $ 3,455,000 | $ 0 |
| Bingham County Idaho | 1 | $ 1,845,000 | $ 1,845,000 | $ 0 |
| Kane County Illinois | 1 | $ 1,185,000 | $ 1,185,000 | $ 0 |
| McHenry County Illinois | 1 | $ 4,505,000 | $ 4,505,000 | $ 0 |
| St. Clair County Illinois | 1 | $ 4,355,000 | $ 4,355,000 | $ 0 |
| Clark County Indiana | 1 | $ 1,575,000 | $ 1,575,000 | $ 0 |
| Howard County Indiana | 1 | $ 4,765,000 | $ 4,765,000 | $ 0 |
| Johnson County Indiana | 1 | $ 3,575,000 | $ 3,575,000 | $ 0 |
| Madison County Indiana | 1 | $ 1,025,000 | $ 1,025,000 | $ 0 |
| Des Moines County Iowa | 1 | $ 1,135,000 | $ 1,135,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 1,555,000 | $ 1,555,000 | $ 0 |
| Fayette County Kentucky | 1 | $ 4,075,000 | $ 4,075,000 | $ 0 |
| Madison County Kentucky | 1 | $ 5,225,000 | $ 5,225,000 | $ 0 |
| Iberville County Louisiana | 1 | $ 4,405,000 | $ 4,405,000 | $ 0 |
| Jefferson County Louisiana | 1 | $ 1,965,000 | $ 1,965,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 1,425,000 | $ 1,425,000 | $ 0 |
| Harford County Maryland | 1 | $ 3,705,000 | $ 3,705,000 | $ 0 |
| Bristol County Massachusetts | 1 | $ 7,505,000 | $ 7,505,000 | $ 0 |
| Macomb County Michigan | 1 | $ 1,525,000 | $ 1,525,000 | $ 0 |
| Hennepin County Minnesota | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Sherburne County Minnesota | 1 | $ 1,535,000 | $ 1,535,000 | $ 0 |
| Rankin County Mississippi | 1 | $ 2,555,000 | $ 2,555,000 | $ 0 |
| Greene County Missouri | 1 | $ 2,605,000 | $ 2,605,000 | $ 0 |
| St. Louis City County Missouri | 1 | $ 2,505,000 | $ 2,505,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Monmouth County New Jersey | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Somerset County New Jersey | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Union County New Jersey | 1 | $ 1,905,000 | $ 1,905,000 | $ 0 |
| Bronx County New York | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Erie County New York | 1 | $ 2,805,000 | $ 2,805,000 | $ 0 |
| Nassau County New York | 1 | $ 1,885,000 | $ 1,885,000 | $ 0 |
| Cumberland County North Carolina | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| Forsyth County North Carolina | 1 | $ 2,705,000 | $ 2,705,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 2,405,000 | $ 2,405,000 | $ 0 |
| McKenzie County North Dakota | 1 | $ 1,725,000 | $ 1,725,000 | $ 0 |
| Butler County Ohio | 1 | $ 14,175,000 | $ 14,175,000 | $ 0 |
| Lake County Ohio | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Licking County Ohio | 1 | $ 1,805,000 | $ 1,805,000 | $ 0 |
| Lorain County Ohio | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Stark County Ohio | 1 | $ 4,265,000 | $ 4,265,000 | $ 0 |
| Summit County Ohio | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Warren County Ohio | 1 | $ 2,615,000 | $ 2,615,000 | $ 0 |
| Creek County Oklahoma | 1 | $ 3,375,000 | $ 3,375,000 | $ 0 |
| Clackamas County Oregon | 1 | $ 5,255,000 | $ 5,255,000 | $ 0 |
| Yamhill County Oregon | 1 | $ 4,955,000 | $ 4,955,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Chester County Pennsylvania | 1 | $ 3,035,000 | $ 3,035,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 1,765,000 | $ 1,765,000 | $ 0 |
| Montour County Pennsylvania | 1 | $ 3,355,000 | $ 3,355,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 2,425,000 | $ 2,425,000 | $ 0 |
| Hamilton County Tennessee | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Montgomery County Tennessee | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Bell County Texas | 1 | $ 4,835,000 | $ 4,835,000 | $ 0 |
| Hays County Texas | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Johnson County Texas | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Karnes County Texas | 1 | $ 5,135,000 | $ 5,135,000 | $ 0 |
| Montgomery County Texas | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Tom Green County Texas | 1 | $ 4,675,000 | $ 4,675,000 | $ 0 |
| Wilson County Texas | 1 | $ 1,565,000 | $ 1,565,000 | $ 0 |
| Davis County Utah | 1 | $ 4,465,000 | $ 4,465,000 | $ 0 |
| Chittenden County Vermont | 1 | $ 5,005,000 | $ 5,005,000 | $ 0 |
| Colonial Heights County Virginia | 1 | $ 2,755,000 | $ 2,755,000 | $ 0 |
| Skagit County Washington | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Spokane County Washington | 1 | $ 3,425,000 | $ 3,425,000 | $ 0 |
| Brown County Wisconsin | 1 | $ 3,505,000 | $ 3,505,000 | $ 0 |
| Racine County Wisconsin | 1 | $ 1,005,000 | $ 1,005,000 | $ 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 Texas,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Readycap Commercial, Llc in 2018
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 246 | $671,760,000 | $2,730,000 | $11,005,000 | $0 | $0 |
| Not Applicable | 201 | $566,815,000 | $2,819,000 | $14,175,000 | $0 | $0 |
| Refinancing | 45 | $136,195,000 | $3,026,000 | $10,005,000 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Purchase | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 411 | $1,175,815,000 | $2,860,000 | $14,175,000 | $0 | $0 |
| Not Provided | 80 | $198,000,000 | $2,475,000 | $7,505,000 | $0 | $0 |
| Hispanic | 1 | $955,000 | $955,000 | $955,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 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) | 492 | $1,374,770,000 | $2,794,000 | $14,175,000 | $0 | $0 |
| 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 | 205 | $544,035,000 | $2,653,000 | $8,805,000 | $0 | $0 |
| Application Withdrawn By Applicant | 104 | $297,850,000 | $2,863,000 | $10,005,000 | $0 | $0 |
| Application Approved But Not Accepted | 84 | $265,350,000 | $3,158,000 | $14,175,000 | $0 | $0 |
| File Closed For Incompleteness | 53 | $146,355,000 | $2,761,000 | $11,005,000 | $0 | $0 |
| Application Denied By Financial Institution | 46 | $121,180,000 | $2,634,000 | $8,305,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 446 | $1,253,590,000 | $2,810,000 | $14,175,000 | $0 | $0 |
| Unverifiable Information | 24 | $66,080,000 | $2,753,000 | $8,305,000 | $0 | $0 |
| Collateral | 15 | $34,035,000 | $2,269,000 | $5,005,000 | $0 | $0 |
| Credit History | 7 | $21,065,000 | $3,009,000 | $5,935,000 | $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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 TX, 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 Texas, and search similar information at your convenience.