Star One Credit Union
Mortgage Loan Application
Totals and Details
for 2021
Find mortgage loan statistics, lending data, and loan application totals for California.
The mortgage statistics and data below are specific to mortgage loan applications for Star One Credit Union.
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 | Star One Credit Union Po Box 3643 Sunnyvale, CA 94088 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 |
| Total Number of Mortgage Applications | 5,497 |
| Total Mortgage Loan Application Amount | $2,778,105,000 |
| Average Mortgage Loan Application Amount | $480,800 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $214,800 |
| Highest Applicant Income | $3,075,000 |
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 CA, the totals and averages will help you understand where the lender does business as well as the volume of business they do.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 2,117 | $ 997,375,000 | $ 471,000 | $ 221,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 570 | $ 277,470,000 | $ 486,000 | $ 225,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 278 | $ 180,420,000 | $ 648,000 | $ 267,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 169 | $ 58,825,000 | $ 348,000 | $ 177,000 |
| SANTA CRUZ-WATSONVILLE, CA | 122 | $ 48,830,000 | $ 400,000 | $ 191,000 |
| STOCKTON-LODI, CA | 118 | $ 35,670,000 | $ 302,000 | $ 204,000 |
| NA (OUTSIDE OF MSA/MD) | 101 | $ 29,865,000 | $ 297,772 | $ 234,904 |
| SAN DIEGO-CARLSBAD, CA | 53 | $ 23,135,000 | $ 436,000 | $ 256,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 47 | $ 19,805,000 | $ 421,000 | $ 185,000 |
| DENVER-AURORA-LAKEWOOD, CO | 41 | $ 18,155,000 | $ 442,000 | $ 181,000 |
| MODESTO, CA | 37 | $ 10,635,000 | $ 287,000 | $ 118,000 |
| SALINAS, CA | 34 | $ 10,900,000 | $ 320,000 | $ 228,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 32 | $ 21,040,000 | $ 657,000 | $ 286,000 |
| FRESNO, CA | 29 | $ 7,235,000 | $ 249,000 | $ 135,000 |
| SANTA ROSA, CA | 29 | $ 10,935,000 | $ 377,000 | $ 233,000 |
| RENO, NV | 28 | $ 12,670,000 | $ 452,000 | $ 216,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 27 | $ 5,815,000 | $ 215,000 | $ 160,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 24 | $ 5,020,000 | $ 209,000 | $ 162,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 23 | $ 5,765,000 | $ 250,000 | $ 219,000 |
| SAN RAFAEL, CA | 21 | $ 16,525,000 | $ 786,000 | $ 279,000 |
| AUSTIN-ROUND ROCK, TX | 18 | $ 8,010,000 | $ 445,000 | $ 193,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 18 | $ 6,220,000 | $ 378,000 | $ 125,000 |
| MERCED, CA | 15 | $ 2,745,000 | $ 183,000 | $ 119,000 |
| VALLEJO-FAIRFIELD, CA | 15 | $ 4,535,000 | $ 302,000 | $ 151,000 |
| BOISE CITY, ID | 14 | $ 6,670,000 | $ 476,000 | $ 164,000 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 14 | $ 5,060,000 | $ 361,000 | $ 164,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 13 | $ 2,445,000 | $ 188,000 | $ 302,000 |
| SANTA MARIA-SANTA BARBARA, CA | 13 | $ 3,075,000 | $ 236,000 | $ 152,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 10 | $ 3,720,000 | $ 372,000 | $ 261,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 9 | $ 3,455,000 | $ 383,000 | $ 143,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 9 | $ 3,275,000 | $ 363,000 | $ 260,000 |
| HUNTSVILLE, AL | 8 | $ 1,710,000 | $ 213,000 | $ 250,000 |
| NAPA, CA | 8 | $ 6,040,000 | $ 755,000 | $ 209,000 |
| TUCSON, AZ | 8 | $ 1,940,000 | $ 242,000 | $ 232,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 8 | $ 2,930,000 | $ 365,333 | $ 130,000 |
| ALBUQUERQUE, NM | 7 | $ 1,425,000 | $ 203,000 | $ 114,000 |
| CHICAGO-NAPERVILLE, IL | 7 | $ 2,145,000 | $ 306,000 | $ 126,000 |
| CHICO, CA | 7 | $ 785,000 | $ 112,000 | $ 125,000 |
| RALEIGH, NC | 7 | $ 2,115,000 | $ 302,000 | $ 163,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 7 | $ 1,945,000 | $ 277,000 | $ 180,000 |
| ST. LOUIS, MO-IL | 7 | $ 885,000 | $ 126,000 | $ 209,000 |
| BAKERSFIELD, CA | 6 | $ 1,200,000 | $ 200,000 | $ 89,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 6 | $ 1,210,000 | $ 201,000 | $ 125,000 |
| FORT WORTH-ARLINGTON, TX | 6 | $ 2,060,000 | $ 343,000 | $ 145,000 |
| MADERA, CA | 6 | $ 1,660,000 | $ 276,000 | $ 244,000 |
| OKLAHOMA CITY, OK | 6 | $ 1,030,000 | $ 171,000 | $ 607,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 5 | $ 1,175,000 | $ 235,000 | $ 144,000 |
| BEND-REDMOND, OR | 5 | $ 1,825,000 | $ 365,000 | $ 434,000 |
| BOULDER, CO | 5 | $ 1,665,000 | $ 333,000 | $ 148,000 |
| DALLAS-PLANO-IRVING, TX | 5 | $ 1,625,000 | $ 325,000 | $ 158,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 5 | $ 315,000 | $ 63,000 | $ 166,000 |
| MEMPHIS, TN-MS-AR | 5 | $ 1,245,000 | $ 249,000 | $ 282,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 5 | $ 2,175,000 | $ 435,000 | $ 238,000 |
| YUBA CITY, CA | 5 | $ 1,105,000 | $ 221,000 | $ 82,000 |
| BOSTON, MA | 4 | $ 1,420,000 | $ 355,000 | $ 201,000 |
| JACKSONVILLE, FL | 4 | $ 950,000 | $ 237,000 | $ 226,000 |
| KAHULUI-WAILUKU-LAHAINA, HI | 4 | $ 1,860,000 | $ 465,000 | $ 521,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 4 | $ 1,760,000 | $ 440,000 | $ 212,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 4 | $ 1,000,000 | $ 250,000 | $ 123,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 4 | $ 380,000 | $ 95,000 | $ 158,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 3 | $ 375,000 | $ 125,000 | $ 145,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 1,215,000 | $ 405,000 | $ 102,000 |
| CARSON CITY, NV | 3 | $ 545,000 | $ 181,000 | $ 128,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 3 | $ 585,000 | $ 195,000 | $ 96,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 1,575,000 | $ 525,000 | $ 200,000 |
| LAKELAND-WINTER HAVEN, FL | 3 | $ 455,000 | $ 151,000 | $ 258,000 |
| LAS CRUCES, NM | 3 | $ 535,000 | $ 178,000 | $ 145,000 |
| MEDFORD, OR | 3 | $ 525,000 | $ 175,000 | $ 42,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 3 | $ 1,075,000 | $ 358,000 | $ 132,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 3 | $ 975,000 | $ 325,000 | $ 235,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 865,000 | $ 288,000 | $ 90,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 3 | $ 725,000 | $ 241,000 | $ 99,000 |
| URBAN HONOLULU, HI | 3 | $ 1,565,000 | $ 521,000 | $ 134,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 3 | $ 945,000 | $ 315,000 | $ 254,000 |
| BELLINGHAM, WA | 2 | $ 550,000 | $ 275,000 | $ 124,000 |
| CHAMPAIGN-URBANA, IL | 2 | $ 400,000 | $ 200,000 | $ 538,000 |
| COLORADO SPRINGS, CO | 2 | $ 640,000 | $ 320,000 | $ 212,000 |
| COLUMBUS, OH | 2 | $ 240,000 | $ 120,000 | $ 110,000 |
| DURHAM-CHAPEL HILL, NC | 2 | $ 880,000 | $ 440,000 | $ 204,000 |
| FORT COLLINS, CO | 2 | $ 790,000 | $ 395,000 | $ 53,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 2 | $ 350,000 | $ 175,000 | $ 191,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 2 | $ 200,000 | $ 100,000 | $ 87,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 2 | $ 930,000 | $ 465,000 | $ 307,000 |
| NEW HAVEN-MILFORD, CT | 2 | $ 750,000 | $ 375,000 | $ 214,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 2 | $ 520,000 | $ 260,000 | $ 275,000 |
| PITTSBURGH, PA | 2 | $ 980,000 | $ 490,000 | $ 175,000 |
| PUNTA GORDA, FL | 2 | $ 520,000 | $ 260,000 | $ 128,000 |
| SALT LAKE CITY, UT | 2 | $ 910,000 | $ 455,000 | $ 210,000 |
| SPRINGFIELD, MO | 2 | $ 280,000 | $ 140,000 | $ 105,000 |
| VISALIA-PORTERVILLE, CA | 2 | $ 500,000 | $ 250,000 | $ 114,000 |
| ALBANY-SCHENECTADY-TROY, NY | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| ANN ARBOR, MI | 1 | $ 505,000 | $ 505,000 | $ 262,000 |
| ATHENS-CLARKE COUNTY, GA | 1 | $ 145,000 | $ 145,000 | $ 146,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 1 | $ 475,000 | $ 475,000 | $ 163,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 405,000 | $ 405,000 | $ 178,000 |
| CAPE CORAL-FORT MYERS, FL | 1 | $ 415,000 | $ 415,000 | $ 121,000 |
| CASPER, WY | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| CHARLESTON, WV | 1 | $ 515,000 | $ 515,000 | $ 154,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| CHARLOTTESVILLE, VA | 1 | $ 135,000 | $ 135,000 | $ 262,000 |
| CHATTANOOGA, TN-GA | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| CINCINNATI, OH-KY-IN | 1 | $ 235,000 | $ 235,000 | $ 275,000 |
| CLARKSVILLE, TN-KY | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| CLEVELAND-ELYRIA, OH | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| COEUR D'ALENE, ID | 1 | $ 355,000 | $ 355,000 | $ 343,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| EUGENE, OR | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| FAYETTEVILLE, NC | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| FLAGSTAFF, AZ | 1 | $ 405,000 | $ 405,000 | $ 209,000 |
| GARY, IN | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| GRANTS PASS, OR | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| GREELEY, CO | 1 | $ 755,000 | $ 755,000 | $ 368,000 |
| HOMOSASSA SPRINGS, FL | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| HOT SPRINGS, AR | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 1 | $ 755,000 | $ 755,000 | $ 283,000 |
| JACKSON, MS | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 1 | $ 505,000 | $ 505,000 | $ 200,000 |
| LANSING-EAST LANSING, MI | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 755,000 | $ 755,000 | $ 449,000 |
| NEWARK, NJ-PA | 1 | $ 295,000 | $ 295,000 | $ 126,000 |
| OGDEN-CLEARFIELD, UT | 1 | $ 285,000 | $ 285,000 | $ 52,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| PANAMA CITY, FL | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| PITTSFIELD, MA | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| REDDING, CA | 1 | $ 235,000 | $ 235,000 | $ 160,000 |
| SALEM, OR | 1 | $ 615,000 | $ 615,000 | $ 201,000 |
| SALISBURY, MD-DE | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| SAVANNAH, GA | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| SIOUX FALLS, SD | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
| SOUTH BEND-MISHAWAKA, IN-MI | 1 | $ 155,000 | $ 155,000 | $ 167,000 |
| SPOKANE-SPOKANE VALLEY, WA | 1 | $ 675,000 | $ 675,000 | $ 283,000 |
| TULSA, OK | 1 | $ 145,000 | $ 145,000 | $ 195,000 |
| WACO, TX | 1 | $ 865,000 | $ 865,000 | $ 199,000 |
| WORCESTER, MA-CT | 1 | $ 355,000 | $ 355,000 | $ 155,000 |
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 California,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for Star One Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,870 | $1,242,230,000 | $664,000 | $3,505,000 | $225,000 | $2,820,000 |
| Refinancing | 1,216 | $551,720,000 | $453,000 | $2,905,000 | $225,000 | $3,075,000 |
| Home Improvement | 1,010 | $295,060,000 | $292,000 | $2,305,000 | $212,000 | $2,856,000 |
| Other Purpose | 726 | $244,110,000 | $336,000 | $1,805,000 | $200,000 | $2,179,000 |
| Cash-out Refinancing | 675 | $444,985,000 | $659,000 | $4,005,000 | $212,000 | $1,076,000 |
| Not Applicable | 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 | 2,306 | $1,099,260,000 | $476,000 | $2,945,000 | $207,000 | $2,820,000 |
| Asian | 1,215 | $651,195,000 | $535,000 | $4,005,000 | $224,000 | $2,506,000 |
| Not Provided | 1,042 | $546,060,000 | $524,000 | $3,505,000 | $234,000 | $1,860,000 |
| Hispanic | 421 | $184,545,000 | $438,000 | $2,205,000 | $187,000 | $3,075,000 |
| Black or African American | 96 | $46,840,000 | $487,000 | $1,705,000 | $187,000 | $457,000 |
| American Indian or Alaskan Native | 27 | $13,825,000 | $512,000 | $1,005,000 | $194,000 | $448,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $4,935,000 | $379,000 | $905,000 | $144,000 | $231,000 |
| 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) | 5,497 | $2,778,105,000 | $505,000 | $4,005,000 | $218,000 | $3,075,000 |
| 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 | 3,118 | $1,363,690,000 | $437,000 | $3,135,000 | $218,000 | $2,506,000 |
| Preapproval Approved but not Accepted | 921 | $670,135,000 | $727,000 | $3,505,000 | $237,000 | $2,820,000 |
| Application Denied By Financial Institution | 752 | $378,960,000 | $503,000 | $4,005,000 | $196,000 | $3,075,000 |
| Application Approved But Not Accepted | 437 | $184,395,000 | $421,000 | $2,005,000 | $233,000 | $2,500,000 |
| Preapproval Denied by Financial Institution | 153 | $112,485,000 | $735,000 | $2,305,000 | $178,000 | $1,007,000 |
| Application Withdrawn By Applicant | 85 | $55,135,000 | $648,000 | $3,375,000 | $198,000 | $1,021,000 |
| File Closed For Incompleteness | 31 | $13,305,000 | $429,000 | $1,165,000 | $209,000 | $1,300,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,592 | $2,286,660,000 | $497,000 | $3,505,000 | $222,000 | $2,820,000 |
| Credit Application Incomplete | 309 | $192,705,000 | $623,000 | $2,505,000 | $236,000 | $1,650,000 |
| Debt-To-Income Ratio | 306 | $153,920,000 | $503,000 | $4,005,000 | $92,000 | $345,000 |
| Unverifiable Information | 101 | $47,915,000 | $474,000 | $2,905,000 | $255,000 | $1,772,000 |
| Other | 79 | $35,605,000 | $450,000 | $2,245,000 | $219,000 | $828,000 |
| Credit History | 58 | $28,350,000 | $488,000 | $1,755,000 | $333,000 | $3,075,000 |
| Collateral | 33 | $18,565,000 | $562,000 | $3,015,000 | $288,000 | $840,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $9,375,000 | $721,000 | $1,385,000 | $195,000 | $465,000 |
| Employment History | 5 | $3,585,000 | $717,000 | $1,505,000 | $197,000 | $409,000 |
| Mortgage Insurance Denied | 1 | $1,425,000 | $1,425,000 | $1,425,000 | $264,000 | $264,000 |
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 CA, 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 California, and search similar information at your convenience.