Find mortgage statistics and lending data for the Marquette County MI metro area.
With the lists below, you can explore the total number of mortgage applications and mortgage lending details for 2003-2021.
We provide overall totals and averages for each year, as well as numbers for the highest application amount and the highest applicant income.
If you live near Marquette County MI, this may help give you an idea of what you might find when you begin your mortgage research.
Use the mortgage lender list and statistics below to gain valuable insights.
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 | 1,887 |
Total Mortgage Loan Application Amount | $249,227,000 |
Average Mortgage Loan Application Amount | $132,000 |
Highest Mortgage Loan Application Amount | $699,000 |
Average Applicant Income | $78,000 |
Highest Applicant Income | $1,100,000 |
Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
---|---|---|---|---|
WELLS FARGO BANK, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 644 | $ 84,647,000 |
INCREDIBLEBANK 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 951,759,000 | 280 | $ 43,188,000 |
PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MT LAUREL, NJ 08054 |
* | $ 31,000,000 | 199 | $ 22,604,000 |
MBANK 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 515,515,000 | 161 | $ 24,352,000 |
JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 150 | $ 18,211,000 |
MIDWEST LOAN SOLUTIONS, INC. 29777 TELEGRAPH RD. SUITE 3580 SOUTHFIELD, MI 48034 |
* | $ 46,200,000 | 70 | $ 7,142,000 |
BANK OF AMERICA, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 50 | $ 6,824,000 |
CITIZENS BANK 328 S SAGINAW ST FLINT, MI 48502 |
* | $ 11,336,105,000 | 44 | $ 3,009,000 |
USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 20 | $ 2,349,000 |
WELLS FARGO FUNDING, INC 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 18 | $ 3,138,000 |
CITIMORTGAGE, INC 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 13 | $ 1,432,000 |
FIRST INDEPENDENCE BANK 7310 WOODWARD AVE SUITE 101 DETROIT, MI 48202 |
* | $ 159,260,000 | 12 | $ 1,380,000 |
GMAC MORTGAGE LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 11 | $ 1,515,000 |
FIRST NATIONAL BANK OF AMERICA 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 9 | $ 258,000 |
FLAGSTAR BANK 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 9 | $ 1,400,000 |
ALLY BANK F/K/A/ GMAC BANK 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 9 | $ 1,288,000 |
QR LENDING INC 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 9 | $ 924,000 |
FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 8 | $ 1,548,000 |
US BANK, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 8 | $ 1,456,000 |
FIFTH THIRD MORTGAGE, MI LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 7 | $ 1,099,000 |
MICHIGAN MUTUAL, INC. 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 7 | $ 1,573,000 |
STATE FARM BANK 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 5 | $ 495,000 |
NEW YORK COMMUNITY BANK 1 JERICHO PLAZA JERICHO, NY 11753 |
* | $ 40,150,052,000 | 5 | $ 666,000 |
NFCU 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 4 | $ 621,000 |
TRANEX FINANCIAL INC. 26200 AMERICAN DRIVE SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 4 | $ 622,000 |
CONSUMER LOAN SERVICES, LLC 811 MONITOR STREET LA CROSSE, WI 54603 |
* | $ 10,000,000 | 3 | $ 234,000 |
SHORE MORTGAGE 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 490,000 |
GATEWAY BUSINESS BANK 18000 STUDEBAKER ROAD, SUITE 550 CERRITOS, CA 90703 |
* | $ 216,229,000 | 3 | $ 362,000 |
AMERICAN AIRLINES FEDERAL CREDIT UNION 4151 AMON CARTER BLVD FT WORTH, TX 76155 |
* | $ 5,061,586,000 | 3 | $ 139,000 |
WILDFIRE CREDIT UNION 6640 BAY RD SAGINAW, MI 48604 |
* | $ 538,520,000 | 3 | $ 127,000 |
ASSOCIATED BANK, N.A. 200 N ADAMS ST GREEN BAY, WI 54301 |
* | $ 22,564,122,000 | 3 | $ 502,000 |
METLIFE BANK, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 3 | $ 397,000 |
CITIFINANCIAL, INC. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,494,037,000,000 | 3 | $ 124,000 |
PNC BANK N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 2 | $ 203,000 |
LAKE MICHIGAN CREDIT UNION PO BOX 2848 GRAND RAPIDS, MI 49501 |
* | $ 1,833,363,000 | 2 | $ 292,000 |
BAXTER CREDIT UNION 340 N MILWAUKEE AVE VERNON HILLS, IL 60061 |
* | $ 1,422,795,000 | 2 | $ 74,000 |
EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 257,000 |
FIRST STATE MORTGAGE SERVICES, LLC 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 2 | $ 255,000 |
FREEDOM MORTGAGE CORP. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 282,000 |
FRANKLIN AMERICAN MORTGAGE CO 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 153,000 |
PHH HOME LOANS, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 2 | $ 344,000 |
ARBOR MORTGAGE CORPORATION 2311 EAST BELTLINE AVE SE 200 GRAND RAPIDS, MI 49546 |
* | $ 15,555,000 | 2 | $ 434,000 |
UNITED BANK AND TRUST 2723 S STATE ST ANN ARBOR, MI 48104 |
* | $ 512,610,000 | 2 | $ 224,000 |
SOUTH CENTRAL ILLINOIS MTG LLC 200 E. HOMER ADAMS PARKWAY ALTON, IL 62002 |
* | $ 10,000,000 | 2 | $ 185,000 |
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 100 PHOENIX DR, STE 300 ANN ARBOR, MI 48108 |
* | $ 10,000,000 | 1 | $ 174,000 |
AMERICAN INTERNET MORTGAGE, INC. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 85,000 |
NATIONWIDE ADVANTAGE MORTGAGE 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 94,000 |
21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 26,000 |
WCS LENDING, LLC 951 YAMATO ROAD, SUITE 150 BOCA RATON, FL 33431 |
* | $ 25,076,000 | 1 | $ 178,000 |
AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE ATLANTA, GA 30305 |
* | $ 8,994,122,000 | 1 | $ 169,000 |
GENERATION MORTGAGE COMPANY 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 118,000 |
FEDTRUST MORTGAGE 32000 NORTHWESTERN HWY. SUITE 240 FARMINGTON HILLS, MI 48334 |
* | $ 10,000,000 | 1 | $ 164,000 |
SIRVA MORTGAGE, INC. 6200 OAK TREE BLVD STE 300 INDEPENDENCE, OH 44131 |
* | $ 101,315,000 | 1 | $ 109,000 |
IFREEDOM DIRECT CORPORATION 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 324,000 |
MMS MORTGAGE SERVICES, LTD. 38275 TWELVE MILE RD., SUITE 100 FARMINGTON HILLS, MI 48331 |
* | $ 5,598,000 | 1 | $ 102,000 |
MOUNTAIN STATES MORTGAGE 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 91,000 |
M&I BANK FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 167,000 |
HOME SAVINGS OF AMERICA 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 257,000 |
NORTH AMERICAN SAVINGS BANK 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 144,000 |
OPERATING ENGINEERS LOCAL UNION #3 250 N CANYONS PARKWAY LIVERMORE, CA 94551 |
* | $ 818,924,000 | 1 | $ 161,000 |
DOW CHEMICAL EMPLOYEES' 600 E. LYON ROAD P.O. BOX 1649 MIDLAND, MI 48641 |
* | $ 1,293,920,000 | 1 | $ 88,000 |
FIRST INTERNET BANK OF INDIANA 11201 USA PARKWAY FISHERS, IN 46037 |
* | $ 503,939,000 | 1 | $ 109,000 |
HOMESTAR BANK AND FINANCIAL SERVICES 3 DIVERSATECH DR MANTENO, IL 60950 |
* | $ 439,787,000 | 1 | $ 55,000 |
FOUNDERS BANK & TRUST 5200 CASCADE ROAD SE GRAND RAPIDS, MI 49546 |
* | $ 388,602,000 | 1 | $ 150,000 |
BANK OF ANN ARBOR 1333 W ANN ARBOR ROAD PLYMOUTH, MI 48185 |
* | $ 543,312,000 | 1 | $ 329,000 |
1ST ADVANTAGE MORTGAGE 701 E 22ND ST, STE 125 LOMBARD, IL 60148 |
* | $ 10,000,000 | 1 | $ 170,000 |
HOME LOAN CENTER 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 176,000 |
FINANCE OF AMERICA REVERSE LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 32,000 |
FIRST RESIDENTIAL MORTGAGE 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 170,000 |
MORTGAGE RESEARCH CENTER, LLC 2101 CHAPEL PLAZA COURT SUITE 107 COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 93,000 |
AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 81,000 |
ONE REVERSE MORTGAGE, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 160,000 |
TALMER BANK AND TRUST 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 91,353,000 | 1 | $ 220,000 |
COMMUNITY FIRST CREDIT UNION 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 1,352,332,000 | 1 | $ 222,000 |
COVANTAGE CREDIT UNION 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 784,163,000 | 1 | $ 80,000 |
CITIBANK, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,161,361,000,000 | 1 | $ 65,000 |
OLD SECOND NATIONAL BANK 37 S. RIVER ST. AURORA, IL 60506 |
* | $ 2,548,251,000 | 1 | $ 212,000 |
HSBC MORTGAGE CORP 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 109,000 |
CARNEGIE MORTGAGE 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 141,000 |
WEST TOWN BANK & TRUST 7820 W 26TH STREET NORTH RIVERSIDE, IL 60546 |
* | $ 89,326,000 | 1 | $ 210,000 |
RBS CITIZENS, N.A. ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 116,921,115,000 | 1 | $ 5,000 |
MERRILL LYNCH CREDIT CORP 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 164,000 |
THRIVENT FINANCIAL BANK 122 EAST COLLEGE AVE., SUITE 1E APPLETON, WI 54911 |
* | $ 548,648,000 | 1 | $ 154,000 |
ING BANK, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 150,000 |
GUARANTY BANK, FSB 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 1,319,978,000 | 1 | $ 174,000 |
CHARLES SCHWAB BANK 211 MAIN STREET SAN FRANCISCO, CA 94105 |
* | $ 43,242,751,000 | 1 | $ 134,000 |
SHELTER MORTGAGE COMPANY, LLC 4000 W BROWN DEER ROAD BROWN DEER, WI 53209 |
* | $ 12,000,000 | 1 | $ 174,000 |
THE HUNTINGTON NATIONAL BANK 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 1 | $ 260,000 |
FIRST STAR BANK, S.S.B. 109 S COMMERCE / PO BOX 7 BREMOND, TX 76629 |
* | $ 188,577,000 | 1 | $ 165,000 |
BRANCH BANKING AND TRUST CO 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 1 | $ 210,000 |
CHIPPEWA VALLEY BANK 15755 W COUNTY ROAD B HAYWARD, WI 54843 |
* | $ 219,921,000 | 1 | $ 47,000 |
BANK STAR 1999 W OSAGE PACIFIC, MO 63069 |
* | $ 74,039,000 | 1 | $ 244,000 |
MIDFIRST BANK 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 109,000 |
ACCESS NATIONAL MORTGAGE CORP 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 89,000 |
FIFTH THIRD BANK 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 1 | $ 57,000 |
SUNTRUST MORTGAGE, INC 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 170,000 |
LAKE FOREST BANK & TRUST CO 727 N. BANK LANE LAKE FOREST, IL 60045 |
* | $ 1,816,422,000 | 1 | $ 102,000 |
CUSTOMERS BANK 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 21,000 |
The HDMA data totals below provide details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicants, loan type, the outcome of the application, and reason for denial. Each category breaks down the total number of mortgage applications and the total dollar amount for those applications. You can search and sort the totals by the average mortgage amount, the highest mortgage within that category, the average income of the mortgage applicants, and the highest income of the mortgage applicants. If you are looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.
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 | 1,269 | $176,166,000 | $138,000 | $699,000 | $83,000 | $1,100,000 |
Home Purchase | 531 | $68,476,000 | $128,000 | $474,000 | $68,000 | $472,000 |
Home Improvement | 87 | $4,585,000 | $52,000 | $328,000 | $54,000 | $256,000 |
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 | 1,742 | $232,069,000 | $133,000 | $699,000 | $80,000 | $1,100,000 |
Not Provided | 71 | $8,352,000 | $117,000 | $392,000 | $66,000 | $363,000 |
Not applicable | 45 | $5,365,000 | $119,000 | $295,000 | $4,000 | $114,000 |
American Indian or Alaskan Native | 12 | $1,236,000 | $103,000 | $212,000 | $58,000 | $225,000 |
Asian | 7 | $1,035,000 | $147,000 | $258,000 | $96,000 | $214,000 |
Hispanic | 7 | $866,000 | $123,000 | $174,000 | $56,000 | $74,000 |
Native Hawaiian or Other Pacific Islander | 2 | $155,000 | $77,000 | $111,000 | $424,000 | $827,000 |
Black or African American | 1 | $149,000 | $149,000 | $149,000 | $43,000 | $43,000 |
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) | 1,464 | $196,259,000 | $134,000 | $699,000 | $86,000 | $1,100,000 |
FHA-insured (Federal Housing Administration) | 199 | $26,744,000 | $134,000 | $267,000 | $54,000 | $247,000 |
FSA/RHS (Farm Service Agency or Rural Housing Service) | 166 | $18,243,000 | $109,000 | $233,000 | $41,000 | $86,000 |
VA-guaranteed (Veterans Administration) | 58 | $7,981,000 | $137,000 | $324,000 | $43,000 | $255,000 |
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 | 1,167 | $159,901,000 | $137,000 | $417,000 | $87,000 | $827,000 |
Application Denied By Financial Institution | 256 | $29,659,000 | $115,000 | $474,000 | $69,000 | $1,100,000 |
Loan Purchased By The Institution | 220 | $27,914,000 | $126,000 | $392,000 | $46,000 | $363,000 |
Application Withdrawn By Applicant | 147 | $18,150,000 | $123,000 | $415,000 | $60,000 | $234,000 |
Application Approved But Not Accepted | 81 | $11,959,000 | $147,000 | $699,000 | $88,000 | $450,000 |
File Closed For Incompleteness | 16 | $1,644,000 | $102,000 | $200,000 | $49,000 | $231,000 |
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 | 53 | $7,205,000 | $135,000 | $425,000 | $77,000 | $288,000 |
Credit History | 37 | $2,249,000 | $60,000 | $261,000 | $53,000 | $225,000 |
Other | 36 | $4,404,000 | $122,000 | $346,000 | $72,000 | $190,000 |
Debt-To-Income Ratio | 27 | $3,599,000 | $133,000 | $417,000 | $57,000 | $180,000 |
Credit Application Incomplete | 16 | $2,756,000 | $172,000 | $389,000 | $154,000 | $1,100,000 |
Unverifiable Information | 6 | $631,000 | $105,000 | $236,000 | $48,000 | $85,000 |
Employment History | 4 | $555,000 | $138,000 | $200,000 | $40,000 | $57,000 |
Insufficient Cash (Downpayment, Closing Cost) | 3 | $421,000 | $140,000 | $246,000 | $84,000 | $104,000 |
Mortgage Insurance Denied | 2 | $557,000 | $278,000 | $417,000 | $181,000 | $278,000 |
We hope these details for mortgage applications and lending statistics will give you a better idea of what to expect when applying for a mortgage. Whether you are looking for a home loan, for home refinancing, or for home improvement loan statistics, we have the information you need. With this info, you know what to look for as you look for the best home mortgages available to you - no surprises later on down the line. These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender.
If you prefer, you can download a copy of the entire list of mortgage lenders in Michigan, and search similar information back through 2003.