Unlock detailed Montmorency County MI mortgage statistics and HMDA loan application data from 2003 to 2023.
Analyze total mortgage applications, loan amounts, and key lending trends across the area.
Our interactive tools let you explore mortgage data by location and lender offering insights into housing market
activity and lending patterns in this area and throughout the US.
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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 468 |
| Total Mortgage Loan Application Amount | $43,098,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $397,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $984,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| COMMUNITY FINANCIAL CREDIT UNION 500 S HARVEY ST PLYMOUTH, MI 48170 |
* | $ 604,957,000 | 105 | $ 5,719,000 |
| CHEMICAL BANK 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 7,312,796,000 | 30 | $ 2,401,000 |
| AMERIFIRST FINANCIAL CORPORATION 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 21 | $ 1,744,000 |
| PNC BANK, NATIONAL ASSOCIATION 249 FIFTH AVE. MS P1-POPP-22-2 WILMINGTON, DE 15222 |
* | $ 335,060,015,000 | 20 | $ 1,370,000 |
| FIFTH THIRD MORTGAGE, MI LLC 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 48,969,000 | 16 | $ 1,272,000 |
| NEW DAY FINANCIAL, LLC 8160 MAPLE LAWN BLVD. DOVER, DE 20759 |
* | $ 4,088,336,000 | 12 | $ 1,092,000 |
| WELLS FARGO BANK, NATIONAL ASSOCIATION 100 N MAIN STREET MAC D4001-042 SIOUX FALLS, SD 27150 |
* | $ 1,532,784,000,000 | 11 | $ 1,173,000 |
| JPMORGAN CHASE BANK, NATIONAL ASSOCIATION 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 10 | $ 941,000 |
| NATIONSTAR MORTGAGE LLC 8950 CYPRESS WATERS BLVD. WILMINGTON, DE 75019 |
* | $ 10,000,000 | 10 | $ 1,256,000 |
| FIFTH THIRD MORTGAGE COMPANY 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 136,279,317,000 | 9 | $ 725,000 |
| THE HUNTINGTON NATIONAL BANK 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 9 | $ 1,153,000 |
| DITECH FINANCIAL LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 9 | $ 1,040,000 |
| LOANDEPOT.COM, LLC 26642 TOWNE CENTRE DRIVE DOVER, DE 92610 |
* | $ 138,031,000 | 7 | $ 781,000 |
| BANK OF AMERICA, NATIONAL ASSOCIATION 31303 AGOURA RD CA6-917-01-20 CHARLOTTE, NC 91361 |
* | $ 1,574,093,000,000 | 6 | $ 813,000 |
| NEIGHBORHOOD MORTGAGE SOLUTION PO BOX 209 544 N MAIN ST FRANKENMUTH, MI 48734 |
* | $ 77,551,000 | 6 | $ 548,000 |
| INDEPENDENT BANK 4200 EAST BELTLINE GRAND RAPIDS, MI 49525 |
* | $ 2,237,914,000 | 6 | $ 433,000 |
| FREEDOM MORTGAGE CORPORATION 10500 KINCAID DRIVE MT LAUREL, NJ 46037 |
* | $ 10,000,000 | 6 | $ 469,000 |
| PACIFIC UNION FINANCIAL, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 6 | $ 747,000 |
| LAKE MICHIGAN CREDIT UNION PO BOX 2848 CALEDONIA, MI 49501 |
* | $ 3,540,518,000 | 5 | $ 313,000 |
| FIRSTMERIT BANK NA III CASCADE PLAZA - CAS46 AKRON, OH 44308 |
* | $ 24,884,993,000 | 5 | $ 659,000 |
| PENNYMAC LOAN SERVICES LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 4 | $ 313,000 |
| FIFTH THIRD BANK 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 136,279,317,000 | 4 | $ 230,000 |
| THE MONEY SOURCE INC. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 4 | $ 562,000 |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 100 PHOENIX DR, STE 300 PLYMOUTH, MI 48108 |
* | $ 10,000,000 | 3 | $ 434,000 |
| FRANKENMUTH CREDIT UNION 580 N. MAIN ST., PO BOX 209 FRANKENMUTH, MI 48734 |
* | $ 345,038,000 | 3 | $ 293,000 |
| CITIMORTGAGE, INC. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 3 | $ 328,000 |
| FRANKLIN AMERICAN MORTGAGE COMPANY 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 743,000 |
| FLAGSTAR BANK 5151 CORPORATE DRIVE TROY, MI 48098 |
* | $ 9,779,461,000 | 3 | $ 526,000 |
| NAVY FEDERAL CREDIT UNION 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 3 | $ 309,000 |
| CITIBANK, NATIONAL ASSOCIATION 1 COURT SQUARE,43RD FLOOR SIOUX FALLS, SD 11120 |
* | $ 1,356,442,000,000 | 3 | $ 328,000 |
| FINANCIAL PLUS CREDIT UNION G-3381 VAN SLYKE RD, P.O. BOX 7006 FLINT, MI 48507 |
* | $ 425,715,000 | 3 | $ 155,000 |
| EMBRACE HOME LOANS, INC. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 173,000 |
| AMERICAN FINANCING CORPORATION 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ 42,331,494,000 | 2 | $ 195,000 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4801 S. BILTMORE LANE AUSTIN, TX 53718 |
* | $ 10,000,000 | 2 | $ 266,000 |
| IFREEDOM DIRECT CORPORATION 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 2 | $ 70,000 |
| GENISYS CREDIT UNION 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ 1,661,461,000 | 2 | $ 40,000 |
| MB FINANCIAL BANK, NATIONAL ASSOCIATION 6111 N. RIVER ROAD ROSEMONT, IL 60018 |
* | $ 9,910,776,000 | 2 | $ 131,000 |
| SUNTRUST BANK P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 185,888,583,000 | 2 | $ 26,000 |
| TEAM ONE CREDIT UNION 520 HAYDEN SAGINAW, MI 48607 |
* | $ 414,425,000 | 2 | $ 223,000 |
| MORTGAGE RESEARCH CENTER, LLC 1400 VETERANS UNITED DR. SAINT LOUIS, MO 65203 |
* | $ 880,000,000 | 2 | $ 121,000 |
| AMERISAVE MORTGAGE CORPORATION 3525 PIEDMONT RD NE, 8 PIEDMONT CTR STE PEACHTREE CORNER, GA 30305 |
* | $ 8,994,122,000 | 2 | $ 225,000 |
| PLAZA HOME MORTGAGE, INC. 4820 EASTGATE MALL, STE 100 SACRAMENTO, CA 92121 |
* | $ 10,000,000 | 1 | $ 226,000 |
| GUARANTEED RATE, INC. 3940 NORTH RAVENSWOOD AVE WILMINGTON, DE 60613 |
* | $ 10,000,000 | 1 | $ 160,000 |
| GREENSTONE FARM CREDIT SERVICES, FLCA 3515 WEST RD EAST LANSING, MI 48823 |
* | $ 10,000,000 | 1 | $ 14,000 |
| TOWNE MORTGAGE COMPANY 2170 E. BIG BEAVER ROAD, SUITE A PLYMOUTH, MI 48083 |
* | $ 35,475,880,000 | 1 | $ 210,000 |
| VILLAGE CAPITAL & INVESTMENT LLC 2863 ST. ROSE PARKWAY DOVER, DE 89052 |
* | $ 11,000,000 | 1 | $ 134,000 |
| STAUNTON FINANCIAL, INC. 25800 NORTHWESTERN HIGHWAY SUITE 110 SOUTHFIELD, MI 48075 |
* | $ 10,000,000 | 1 | $ 55,000 |
| AMERICAN FINANCIAL RESOURCES, INC. 9 SYLVAN WAY PARSIPPANY-TROY HILLS, NJ 07054 |
* | $ 10,000,000 | 1 | $ 64,000 |
| MEMBER FIRST MORTGAGE, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ 11,800,000 | 1 | $ 97,000 |
| UNION HOME MORTGAGE CORP. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 121,000 |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3701 ARCO CORPORATE DR., SUITE 200 SACRAMENTO, PA 28273 |
* | $ 10,000,000 | 1 | $ 240,000 |
| VAN DYK MORTGAGE CORPORATION 2449 CAMELOT CT SE GRAND RAPIDS, MI 49546 |
* | $ 10,000,000 | 1 | $ 160,000 |
| UNITED WHOLESALE MORTGAGE, LLC 1414 EAST MAPLE ROAD PLYMOUTH, MI 48083 |
* | $ 10,000,000 | 1 | $ 65,000 |
| AMERIHOME MORTGAGE COMPANY, LLC 21215 BURBANK BLVD, SUITE 400 WILMINGTON, DE 91367 |
* | $ 10,000,000 | 1 | $ 224,000 |
| NORTHERN MORTGAGE SERVICES, LLC 3714 28TH ST SW GRAND RAPIDS, MI 49418 |
* | $ 3,904,000 | 1 | $ 332,000 |
| HURON VALLEY FINANCIAL, INC. 2395 OAK VALLEY DRIVE, SUITE 200 ANN ARBOR, MI 48103 |
* | $ 10,000,000 | 1 | $ 68,000 |
| J. VIRGIL, INC. G3404 MILLER ROAD FENTON, MI 48507 |
* | $ 500,000 | 1 | $ 57,000 |
| ADVISORS CAPITAL, INC. 39810 GRAND RIVER AVE., SUITE C-200 NOVI, MI 48375 |
* | $ 3,243,000 | 1 | $ 357,000 |
| AMERICAN INTERNET MORTGAGE, INC. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 106,000 |
| EMM LOANS LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08002 |
* | $ 10,000,000 | 1 | $ 129,000 |
| MERCANTILE BANK 310 LEONARD ST NW GRAND RAPIDS, MI 49504 |
* | $ 2,873,028,000 | 1 | $ 48,000 |
| BBMC MORTGAGE, LLC 100 W. 22ND ST LOMBARD, IL 60148 |
* | $ 149,000,000 | 1 | $ 226,000 |
| AMERICAN SOUTHWEST MORTGAGE CORP. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 1 | $ 112,000 |
| VIBE 44575 W 12 MILE NOVI, MI 48377 |
* | $ 419,314,000 | 1 | $ 44,000 |
| FAY SERVICING, LLC 400 S. LA SALLE STREET, STE 2000 DOVER, DE 60605 |
* | $ 25,961,064,000 | 1 | $ 141,000 |
| 21ST MORTGAGE CORPORATION 620 MARKET ST SUITE 100 WILMINGTON, DE 37902 |
* | $ 10,000,000 | 1 | $ 25,000 |
| ACADEMY MORTGAGE CORPORATION 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ 10,000,000 | 1 | $ 144,000 |
| COUNTRYPLACE MORTGAGE, LTD. 15301 SPECTRUM DR. STE 550 AUSTIN, TX 75001 |
* | $ 10,000,000 | 1 | $ 55,000 |
| TIAA, FSB 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 1 | $ 31,000 |
| CITIZENS BANK, NATIONAL ASSOCIATION ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 102,971,333,000 | 1 | $ 45,000 |
| MIDFIRST BANK 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 49,000 |
| BANK OF ENGLAND PO BOX 70 ENGLAND, AR 72046 |
* | $ 321,539,000 | 1 | $ 75,000 |
| PHH MORTGAGE CORPORATION 1 MORTGAGE WAY MOUNT LAUREL, NJ 08054 |
* | $ 31,000,000 | 1 | $ 267,000 |
| MBANK 130 S CEDAR ST MANISTIQUE, MI 49854 |
* | $ 727,892,000 | 1 | $ 81,000 |
| FIRSTMERIT MORTGAGE CORP 4455 HILLS AND DALES RD. NW - MTG80 CANTON, OH 44708 |
* | $ 6,000,000,000 | 1 | $ 397,000 |
| AMERICAN FINANCIAL NETWORK, INC. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ 10,000,000 | 1 | $ 72,000 |
| USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 67,301,894,000 | 1 | $ 80,000 |
| U.S. BANK NATIONAL ASSOCIATION 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 137,000 |
| GREAT PLAINS NATIONAL BANK 5909 NW EXPRESSWAY ELK CITY, OK 73132 |
* | $ 636,758,000 | 1 | $ 236,000 |
| ROYAL UNITED MORTGAGE LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46250 |
* | $ 1,000,000,000 | 1 | $ 45,000 |
| TCF NATIONAL BANK 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 19,425,092,000 | 1 | $ 25,000 |
| KEYBANK NATIONAL ASSOCIATION 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 91,782,513,000 | 1 | $ 101,000 |
| MICHIGAN MUTUAL, INC. 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 142,000 |
| MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 2,775,046,000 | 1 | $ 19,000 |
| DOWNRIVER COMMUNITY FEDERAL CU 4320 W. JEFFERSON ECORSE, MI 48229 |
* | $ 142,747,000 | 1 | $ 55,000 |
| MORTGAGE 1 INCORPORATED 43456 MOUND ROAD STERLING HEIGHTS, MI 49314 |
* | $ 9,135,000 | 1 | $ 113,000 |
| FLAGSHIP FINANCIAL GROUP, LLC. 3130 W. MAPLE LOOP DR. LEHI, UT 84043 |
* | $ 0 | 1 | $ 125,000 |
| COMMUNITY CHOICE 31155 NORTHWESTERN HWY FARMINGTON HILLS, MI 48334 |
* | $ 532,291,000 | 1 | $ 25,000 |
| MAIN STREET BANK 31780 TELEGRAPH ROAD, SUITE 100 BINGHAM FARMS, MI 48025 |
* | $ 176,602,000 | 1 | $ 150,000 |
| UBS AG, TAMPA BRANCH 3000 BAYPORT TAMPA, FL 33607 |
* | $ 9,378,000 | 1 | $ 267,000 |
| WILDFIRE CREDIT UNION 6640 BAY RD SAGINAW, MI 48604 |
* | $ 675,074,000 | 1 | $ 66,000 |
| MORTGAGE CENTER L.C 29621 NORTHWESTERN HWY PLYMOUTH, MI 48034 |
* | $ 30,000,000 | 1 | $ 54,000 |
| TALMER BANK AND TRUST 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 5,045,286,000 | 1 | $ 72,000 |
The HMDA mortgage data below offers a comprehensive breakdown of loan application trends for 2015, covering key categories like loan purpose, applicant race, loan type, approval outcomes, and denial reasons. Each dataset details the total number of applications and the total loan amounts, helping you analyze lending activity with precision.
Easily search and sort data by metrics such as average mortgage amount, highest loan value, average applicant income, and top income levels within each category. Whether you're researching market trends, borrower demographics, or specific mortgage types, these insights provide a valuable snapshot of lending patterns, helping you make more informed decisions in the mortgage and real estate industries.
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 | 235 | $25,518,000 | $108,000 | $368,000 | $71,000 | $984,000 |
| Home Purchase | 162 | $15,777,000 | $97,000 | $397,000 | $69,000 | $442,000 |
| Home Improvement | 71 | $1,803,000 | $25,000 | $168,000 | $54,000 | $247,000 |
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 | 390 | $35,401,000 | $90,000 | $397,000 | $66,000 | $442,000 |
| Not Provided | 45 | $4,038,000 | $89,000 | $368,000 | $112,000 | $984,000 |
| Not applicable | 25 | $3,059,000 | $122,000 | $357,000 | $3,000 | $45,000 |
| Hispanic | 6 | $421,000 | $70,000 | $135,000 | $104,000 | $250,000 |
| American Indian or Alaskan Native | 2 | $179,000 | $89,000 | $124,000 | $107,000 | $144,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 355 | $32,750,000 | $92,000 | $397,000 | $78,000 | $984,000 |
| FHA-insured (Federal Housing Administration) | 46 | $4,133,000 | $89,000 | $224,000 | $38,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 42 | $4,372,000 | $104,000 | $240,000 | $37,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $1,843,000 | $73,000 | $122,000 | $30,000 | $72,000 |
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 | 244 | $22,425,000 | $91,000 | $397,000 | $78,000 | $984,000 |
| Application Denied By Financial Institution | 121 | $9,886,000 | $81,000 | $338,000 | $60,000 | $228,000 |
| Application Withdrawn By Applicant | 38 | $3,853,000 | $101,000 | $288,000 | $63,000 | $200,000 |
| Loan Purchased By The Institution | 31 | $4,042,000 | $130,000 | $397,000 | $21,000 | $299,000 |
| File Closed For Incompleteness | 21 | $1,987,000 | $94,000 | $200,000 | $66,000 | $250,000 |
| Application Approved But Not Accepted | 13 | $905,000 | $69,000 | $202,000 | $73,000 | $178,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 31 | $1,717,000 | $55,000 | $224,000 | $64,000 | $206,000 |
| Debt-To-Income Ratio | 18 | $1,166,000 | $64,000 | $200,000 | $43,000 | $207,000 |
| Collateral | 18 | $1,825,000 | $101,000 | $338,000 | $64,000 | $228,000 |
| Credit Application Incomplete | 5 | $418,000 | $83,000 | $113,000 | $77,000 | $225,000 |
| Other | 4 | $328,000 | $82,000 | $160,000 | $47,000 | $95,000 |
| Unverifiable Information | 3 | $774,000 | $258,000 | $260,000 | $187,000 | $228,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $60,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $23,000 | $23,000 | $23,000 | $54,000 | $54,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights for industry professionals, researchers, and analysts looking to understand lending trends in the area. With detailed data on mortgage applications, loan amounts, applicant income, loan purposes, and approval rates, you can uncover key patterns shaping the local housing market.
Whether you're a real estate expert, financial analyst, or policymaker, these in-depth mortgage lending statistics help you track market shifts, assess borrower demographics, and evaluate lender performance. Use this powerful data to make informed decisions, conduct market research, and stay ahead in the evolving mortgage industry.