U.S. Eagle
Mortgage Loan Application
Totals and Details
for 2020
Find mortgage loan statistics, lending data, and loan application totals for New Mexico.
The mortgage statistics and data below are specific to mortgage loan applications for U.S. Eagle.
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 | U.S. Eagle 5201 Antequera Nw Albuquerque, NM 87120 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 782 |
| Total Mortgage Loan Application Amount | $132,500,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $1,695,000 |
| Average Applicant Income | $132,000 |
| Highest Applicant Income | $1,548,000 |
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 NM, 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 |
|---|---|---|---|---|
| Bernalillo County New Mexico | 401 | $ 76,045,000 | $ 189,000 | $ 114,000 |
| Sandoval County New Mexico | 106 | $ 21,060,000 | $ 198,000 | $ 98,000 |
| Santa Fe County New Mexico | 21 | $ 5,995,000 | $ 285,000 | $ 133,000 |
| Valencia County New Mexico | 17 | $ 2,615,000 | $ 153,000 | $ 59,000 |
| San Juan County New Mexico | 9 | $ 1,215,000 | $ 135,000 | $ 100,000 |
| Calhoun County Alabama | 4 | $ 360,000 | $ 90,000 | $ 0 |
| Blount County Alabama | 3 | $ 275,000 | $ 91,000 | $ 0 |
| Bossier County Louisiana | 3 | $ 285,000 | $ 95,000 | $ 0 |
| Livingston County Louisiana | 3 | $ 345,000 | $ 115,000 | $ 0 |
| San Miguel County New Mexico | 3 | $ 815,000 | $ 271,000 | $ 204,000 |
| Muskogee County Oklahoma | 3 | $ 325,000 | $ 108,000 | $ 0 |
| McMinn County Tennessee | 3 | $ 325,000 | $ 108,000 | $ 0 |
| Guadalupe County Texas | 3 | $ 235,000 | $ 78,000 | $ 0 |
| Wilson County Texas | 3 | $ 355,000 | $ 118,000 | $ 0 |
| Baldwin County Alabama | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Chilton County Alabama | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Jefferson County Alabama | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 2,210,000 | $ 1,105,000 | $ 720,000 |
| Lonoke County Arkansas | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Bay County Florida | 2 | $ 120,000 | $ 60,000 | $ 0 |
| Duval County Florida | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Suwannee County Florida | 2 | $ 230,000 | $ 115,000 | $ 0 |
| Acadia County Louisiana | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Caddo County Louisiana | 2 | $ 150,000 | $ 75,000 | $ 0 |
| Calcasieu County Louisiana | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Lafayette County Louisiana | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Lincoln County Louisiana | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Natchitoches County Louisiana | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Ouachita County Louisiana | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Rapides County Louisiana | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Monroe County Mississippi | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Cibola County New Mexico | 2 | $ 210,000 | $ 105,000 | $ 73,000 |
| Rio Arriba County New Mexico | 2 | $ 1,010,000 | $ 505,000 | $ 188,000 |
| Robeson County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Creek County Oklahoma | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Delaware County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Rogers County Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Sequoyah County Oklahoma | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Loudon County Tennessee | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Angelina County Texas | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Hardin County Texas | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Hunt County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Montgomery County Texas | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Navarro County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Parker County Texas | 2 | $ 220,000 | $ 110,000 | $ 0 |
| San Augustine County Texas | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Bibb County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Clay County Alabama | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Crenshaw County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson County Alabama | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lowndes County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pickens County Alabama | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Shelby County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Talladega County Alabama | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Tuscaloosa County Alabama | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Walker County Alabama | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Winston County Alabama | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cleveland County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Drew County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Garland County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Grant County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Howard County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jefferson County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mississippi County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ouachita County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Perry County Arkansas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Searcy County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| White County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Brevard County Florida | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Charlotte County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Citrus County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Columbia County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Dixie County Florida | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Escambia County Florida | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Hamilton County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Holmes County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lake County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Manatee County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Marion County Florida | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Martin County Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Nassau County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Orange County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Pinellas County Florida | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Polk County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sumter County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Taylor County Florida | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Volusia County Florida | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Walton County Florida | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Baldwin County Georgia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Berrien County Georgia | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Crisp County Georgia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Dodge County Georgia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Irwin County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Madison County Georgia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Pierce County Georgia | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Treutlen County Georgia | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Ascension County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bienville County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Cameron County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Evangeline County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Franklin County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Iberville County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 0 |
| St. Charles County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| St. Helena County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| St. James County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| St. Martin County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Tangipahoa County Louisiana | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Copiah County Mississippi | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Covington County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hancock County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jones County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lafayette County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lauderdale County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lawrence County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Marion County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Montgomery County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Neshoba County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Newton County Mississippi | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Noxubee County Mississippi | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Simpson County Mississippi | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Smith County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sunflower County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Union County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Yazoo County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Colfax County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 140,000 |
| Guadalupe County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hidalgo County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lea County New Mexico | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Los Alamos County New Mexico | 1 | $ 275,000 | $ 275,000 | $ 131,000 |
| McKinley County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Socorro County New Mexico | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Taos County New Mexico | 1 | $ 215,000 | $ 215,000 | $ 76,000 |
| Torrance County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Cumberland County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Pender County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Richmond County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Bryan County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Custer County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Kiowa County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Marshall County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| McClain County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Osage County Oklahoma | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Payne County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Pontotoc County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Anderson County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dillon County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Edgefield County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Horry County South Carolina | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Marlboro County South Carolina | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Jefferson County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lauderdale County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Monroe County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Polk County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Rhea County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Smith County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Austin County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Brazos County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Comanche County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Dallas County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| El Paso County Texas | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Erath County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Fayette County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Gaines County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Gillespie County Texas | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Jasper County Texas | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Karnes County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Kaufman County Texas | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lamar County Texas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Matagorda County Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Medina County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Nueces County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Pecos County Texas | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Polk County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rusk County Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Shelby County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Smith County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Taylor County Texas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wise County Texas | 1 | $ 215,000 | $ 215,000 | $ 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 Mexico,
and search the same numbers and information back through 2003.
Mortgage Loan Application Detail Totals for U.S. Eagle in 2020
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 | 439 | $84,285,000 | $191,000 | $1,695,000 | $115,000 | $1,548,000 |
| Home Purchase | 328 | $47,370,000 | $144,000 | $935,000 | $101,000 | $713,000 |
| Home Improvement | 11 | $465,000 | $42,000 | $95,000 | $105,000 | $144,000 |
| Cash-out Refinancing | 3 | $355,000 | $118,000 | $255,000 | $164,000 | $193,000 |
| Other Purpose | 1 | $25,000 | $25,000 | $25,000 | $175,000 | $175,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 274 | $49,980,000 | $182,000 | $1,025,000 | $109,000 | $1,291,000 |
| White | 233 | $50,095,000 | $215,000 | $1,695,000 | $114,000 | $1,548,000 |
| Not applicable | 213 | $20,225,000 | $94,000 | $225,000 | $0 | $0 |
| Not Provided | 37 | $7,655,000 | $206,000 | $515,000 | $141,000 | $393,000 |
| American Indian or Alaskan Native | 13 | $2,495,000 | $191,000 | $325,000 | $91,000 | $200,000 |
| Black or African American | 6 | $850,000 | $141,000 | $195,000 | $58,000 | $98,000 |
| Asian | 4 | $820,000 | $205,000 | $275,000 | $76,000 | $131,000 |
| 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) | 761 | $128,125,000 | $168,000 | $1,695,000 | $112,000 | $1,548,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,375,000 | $208,000 | $435,000 | $96,000 | $240,000 |
| 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 |
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 | 413 | $81,685,000 | $197,000 | $1,025,000 | $114,000 | $1,291,000 |
| Loan Purchased By The Institution | 213 | $20,225,000 | $94,000 | $225,000 | $0 | $0 |
| Application Withdrawn By Applicant | 96 | $20,320,000 | $211,000 | $1,695,000 | $123,000 | $1,548,000 |
| Application Denied By Financial Institution | 45 | $7,305,000 | $162,000 | $935,000 | $68,000 | $392,000 |
| File Closed For Incompleteness | 15 | $2,965,000 | $197,000 | $345,000 | $115,000 | $239,000 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 782 | $132,500,000 | $169,000 | $1,695,000 | $112,000 | $1,548,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 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 NM, 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 Mexico, and search similar information at your convenience.