Ocala VA Loan Rates, Closing Costs & Stats

OCALA, FL

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Ocala's 184 lenders originated 2,289 VA loans during 2021. The total origination value was $515,515,000, with an average VA loan value of $225,214.

Ocala VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Ocala averaged 6.74% for the week of 2022-12-02, compared to the national average (all VA variants) of 6.292% for the same period.

Ocala's average VA mortgage closing costs are $5,020.

The average rate for the prior week (2022-11-25) was 6.88% and one month ago for the week of 2022-10-28, the average rate was 7.07%.

The average rate one year ago was 3.45%.

For refis of the same type during the week of 2022-12-02, the average rate was 6.54%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Ocala VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Ocala level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
QUICKEN LOANS, LLC 267 2.48% $5,326
Mortgage Research Center, LLC 228 2.91% $6,772
FREEDOM MORTGAGE CORPORATION 151 2.50% $3,585
NEW DAY FINANCIAL, LLC 109 2.79% $7,266
PENNYMAC LOAN SERVICES, LLC 96 2.54% $4,074
UNITED WHOLESALE MORTGAGE, LLC 70 2.60% $5,641
NAVY FEDERAL CREDIT UNION 53 2.49% $5,398
VILLAGE CAPITAL MORTGAGE 52 2.44% $2,904
DHI MORTGAGE COMPANY, LTD. 49 2.72% $5,870
USAA Federal Savings Bank 48 2.90% $3,716
LOANDEPOT.COM, LLC 47 2.76% $5,092
CALIBER HOME LOANS, INC. 47 2.81% $5,218
AMERICAN FINANCIAL NETWORK, INC. 39 2.96% $10,319
First Federal Bank 36 3.46% $7,553
CLEARPATH LENDING 35 2.28% $3,501
HOME POINT FINANCIAL CORPORATION 26 2.72% $5,542
Barrington Bank & Trust Company, N.A. 25 2.77% $7,399
Mr. Cooper ( Nationstar Mortgage ) 23 2.98% $3,798
LAKEVIEW LOAN SERVICING, LLC 23 2.57% $2,544
NATIONS RELIABLE LENDING, LLC 22 3.02% $6,823
SUCCESS MORTGAGE PARTNERS, INC. 22 3.15% $7,289
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 21 2.88% $7,383
AMERICAN PACIFIC MORTGAGE CORPORATION 20 2.84% $7,986
PULTE MORTGAGE LLC 19 2.84% $4,927
Ameris Bank 19 2.72% $5,837
PRIMELENDING, A PLAINSCAPITAL COMPANY 18 3.07% $4,296
AMERISAVE MORTGAGE CORPORATION 17 2.65% $7,022
Wells Fargo Bank 17 2.68% $3,482
HOMEBRIDGE FINANCIAL SERVICES, INC. 17 2.78% $6,702
GUARANTEED RATE, INC. 17 3.00% $6,509
THE MORTGAGE FIRM, INC. 15 3.06% $9,349
Low VA Rates, LLC 14 2.50% $2,487
The Federal Savings Bank 12 2.51% $7,053
PENTAGON FEDERAL CREDIT UNION 12 2.32% $1,547
NEWREZ LLC 12 2.51% $2,863
FBC MORTGAGE, LLC 11 2.77% $5,659
PLANET HOME LENDING, LLC 10 2.46% $2,925
BROKER SOLUTIONS, INC. 10 2.77% $5,954
Truist 10 2.70% $6,036
Mortgage Lenders Investment Trading Corporation 10 3.08% $7,684
HOME SOLUTION LENDERS INC. 10 2.64% $4,167
MUTUAL OF OMAHA MORTGAGE, INC. 9 2.56% $5,138
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 9 3.15% $6,475
UNION HOME MORTGAGE CORP. 9 2.93% $8,167
Lakeview Community Capital, LLC 8 2.50% $1,723
ACADEMY MORTGAGE CORPORATION 8 2.95% $9,897
MOVEMENT MORTGAGE, LLC 8 3.16% $5,223
SUN WEST MORTGAGE COMPANY, INC. 7 2.57% $7,378
Flagstar Bank, FSB 7 2.55% $4,073
CROSSCOUNTRY MORTGAGE, LLC 7 2.96% $6,602
Goldwater Bank, N.A. 6 2.88% $8,432
Mid-Continent Funding, Inc. 6 2.94% $7,305
NBKC BANK 5 2.70% $4,052
CMG MORTGAGE, INC. 5 2.90% $7,798
Equity Prime Mortgage LLC 5 3.83% $11,295
Bank of England 5 3.05% $8,113
Ixonia Bank 5 3.08% $5,545
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 3.23% $6,645
Nations Lending Corporation 5 2.93% $6,867
InterContinental Capital Group, Inc 5 2.63% $4,604
AmeriHome Mortgage Company, LLC 5 2.73% $1,781
Carrington Mortgage Services, LLC 5 2.78% $4,673
HOMESTAR FINANCIAL CORPORATION 5 3.20% $3,228
AMERIFIRST FINANCIAL CORPORATION 4 3.00% $5,507
AMERICAN FINANCING CORPORATION 4 2.44% $2,464
Prime Choice Funding Inc. 4 2.44% $2,641
Shea Mortgage Inc. 4 2.44% $6,581
First Guaranty Mortgage Corporation 4 2.38% $2,810
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 4 2.94% $6,738
CRESCENT MORTGAGE COMPANY 4 2.75% $2,930
Hometown Lenders, Inc. 4 3.69% $9,491
Christensen Financial, Inc. 4 2.88% $6,676
KELLER MORTGAGE, LLC 4 2.56% $8,531
Magnolia Bank 4 2.72% $8,976
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 3.25% $7,562
METROPLEX MORTGAGE SERVICES, INC. 3 2.96% $7,386
AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 2.58% $3,412
DAS Acquisition Company, LLC 3 2.63% $3,951
Capital City Home Loans, LLC 3 3.58% $5,243
Regions Bank 3 3.08% $4,557
Towne Bank 3 2.54% $4,542
Plains Commerce Bank 3 2.96% $6,439
SOVEREIGN LENDING GROUP INCORPORATED 3 2.83% $8,350
Waterstone Mortgage Corporation 3 3.21% $6,328
North American Savings Bank, F.S.B. 3 2.38% $3,256
ROSS MORTGAGE CORPORATION 2 3.88% $9,100
FIDELITY FUNDING MORTGAGE CORP. 2 3.00% $8,624
RELIANCE FIRST CAPITAL, LLC 2 2.94% $9,888
NETWORK CAPITAL FUNDING CORPORATION 2 2.50% $3,155
Bank of America 2 3.06% $16,991
LEADERONE FINANCIAL CORPORATION 2 3.25% $2,219
Commerce Home Mortgage, Inc. 2 3.19% $1,305
Community First National Bank 2 2.50% $3,087
LENDING 3, INC. 2 3.25% $7,367
PHH Mortgage Corporation 2 2.94% $3,327
LOANPAL, LLC 2 2.25% $8,033
EQUITY RESOURCES, INC. 2 2.56% $4,632
PANORAMA MORTGAGE GROUP, LLC 2 4.56% $4,333
ACCELERATE MORTGAGE, LLC 2 2.25% $3,665
AMERICAN FINANCIAL RESOURCES, INC. 2 3.94% $4,440
MORTGAGE EQUITY PARTNERS LLC 2 3.50% $5,533
Wyndham Capital Mortgage, Inc. 2 2.63% $1,434
GUARANTEED RATE AFFINITY, LLC 2 2.63% $9,282
WATSON MORTGAGE CORP. 2 2.75% $4,824
MORTGAGE FINANCIAL GROUP, INC. 2 3.25% $14,338
Capital Bank 2 2.50% $1,762
HAMILTON HOME LOANS, INC. 2 3.19% $9,208
BNC National Bank 2 2.25% $23,264
GENEVA FINANCIAL, LLC 2 3.75% $1,530
HOMESIDE FINANCIAL, LLC 2 3.12% $5,058
Hometown Equity Mortgage, LLC 2 2.63% $8,588
NP, Inc. 2 2.69% $7,589
First Mortgage Solutions, LLC 2 2.44% $2,567
South State Bank 2 2.38% $3,363
FIRST EQUITY MORTGAGE BANKERS, INC. 2 3.19% $3,926
SHELTER MORTGAGE COMPANY, L.L.C. 2 3.25% $4,732
JPMorgan Chase Bank 1 3.25% $1,825
Advisors Mortgage Group, L.L.C. 1 3.13% $17,287
Alcova Mortgage LLC 1 2.50% $3,712
ANGEL OAK HOME LOANS LLC 1 2.88% $6,097
APEX HOME LOANS, INC. 1 3.25% $2,197
Arbor Bank 1 2.75% $2,998
Atlantic Union Bank 1 2.25% $3,394
BANKSOUTH MORTGAGE COMPANY, LLC 1 2.63% $10,236
BAYSHORE MORTGAGE FUNDING, LLC 1 2.75% $14,889
BECKAM FUNDING CORP. 1 3.75% $2,878
Cadence Bank, N.A. 1 2.75% $2,125
CHAMPIONS MORTGAGE LLC 1 2.88% $5,094
CityWorth Mortgage LLC 1 1.75% $6,682
CORNERSTONE HOME LENDING, INC. 1 2.75% $10,334
Credence Funding Corporation 1 2.25% $1,259
DELMAR FINANCIAL COMPANY 1 2.75% $2,614
EMBRACE HOME LOANS, INC. 1 2.50% $5,331
EVERETT FINANCIAL, INC. 1 3.13% $2,766
FAIR WAY LENDING LLC 1 2.75% $3,984
FINANCE OF AMERICA MORTGAGE LLC 1 3.00% $4,010
FIRST CENTENNIAL MORTGAGE CORPORATION 1 2.13% $6,476
First Home Bank 1 2.38% $8,220
First Option Mortgage, LLC 1 3.25% $3,930
First Savings Bank 1 2.63% $11,619
GERSHMAN INVESTMENT CORP. 1 3.50% $16,491
GSF Mortgage Corporation 1 2.75% $3,629
GUILD MORTGAGE COMPANY 1 2.50% $3,680
GVC MORTGAGE, INC. 1 3.63% $0
HARBORONE MORTGAGE, LLC 1 2.75% $5,813
HOMESPIRE MORTGAGE CORPORATION 1 2.63% $5,118
Huntingdon Valley Bank 1 3.13% $29,471
HUNT MORTGAGE CORPORATION 1 2.75% $3,489
INLANTA MORTGAGE, INC. 1 3.25% $3,335
INSIGHT 1 2.88% $5,730
INTELLILOAN, INC. 1 2.50% $5,738
JMJ FINANCIAL GROUP 1 3.13% $5,008
KS StateBank 1 2.25% $14,917
Leaders Credit Union 1 3.63% $3,578
LEGEND LENDING CORPORATION 1 3.50% $6,806
Luxury Mortgage Corp. 1 2.75% $4,321
MICHIGAN MUTUAL, INC. 1 3.50% $2,169
M&T Bank 1 2.63% $3,731
NATIONS DIRECT MORTGAGE, LLC 1 2.25% $2,638
Northpointe Bank 1 4.00% $3,759
NORTHPOINT MORTGAGE, INC. 1 3.00% $2,553
OCEANSIDE MORTGAGE COMPANY 1 2.49% $858
OPEN MORTGAGE, LLC 1 3.38% $4,600
Paramount Bank 1 2.25% $2,529
Paramount Residential Mortgage Group, Inc. 1 2.50% $3,793
PLAZA HOME MORTGAGE, INC. 1 2.25% $4,390
PNC Bank 1 3.00% $1,744
PREFERRED LENDING SERVICES, LLC 1 3.25% $0
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.38% $2,128
Renasant Bank 1 3.13% $1,017
RESIDENTIAL BANCORP. 1 3.25% $6,732
ROYAL UNITED MORTGAGE LLC 1 2.63% $10,466
Sierra Pacific Mortgage Company, Inc. 1 2.50% $7,417
SOUTHERN TRUST MORTGAGE, LLC 1 3.88% $3,760
SOUTHWEST STAGE FUNDING, LLC 1 3.25% $0
Summit Mortgage Corporation 1 2.88% $3,777
TD Bank 1 3.00% $6,506
TIAA, FSB 1 2.50% $3,488
TOWNE MORTGAGE COMPANY 1 4.13% $5,611
United Fidelity Funding Corp. 1 3.13% $11,406
U.S. Bank 1 2.50% $17,634
VANDERBILT MORTGAGE AND FINANCE, INC. 1 2.88% $9,339
VAN DYK MORTGAGE CORPORATION 1 3.63% $17,880
VYSTAR 1 2.25% $11,897

The top Ocala VA lender as defined by loan originations is QUICKEN LOANS, LLC, with 267 VA loans originated. Their average total fees are $5,326, which is $1,446 lower than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Ocala VA lenders (with over 10 loans originated) are PENTAGON FEDERAL CREDIT UNION ($1,547), Low VA Rates, LLC ($2,487), LAKEVIEW LOAN SERVICING, LLC ($2,544), NEWREZ LLC ($2,863) and VILLAGE CAPITAL MORTGAGE ($2,904).

The lowest rate Ocala VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.28%), PENTAGON FEDERAL CREDIT UNION (2.32%), VILLAGE CAPITAL MORTGAGE (2.44%), PLANET HOME LENDING, LLC (2.46%) and QUICKEN LOANS, LLC (2.48%).


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Ocala (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $189,900 (1.7%) $268,937 (4.2%) 0.70 2,144
2018-02-01 $190,723 (2.4%) $271,582 (5.7%) 0.69 2,153
2018-03-01 $194,950 (2.7%) $271,818 (5.8%) 0.68 2,168
2018-04-01 $199,745 (4.0%) $278,302 (7.7%) 0.68 2,108
2018-05-01 $205,872 (5.6%) $282,196 (5.5%) 0.69 2,051
2018-06-01 $205,000 (4.6%) $281,212 (3.1%) 0.68 2,061
2018-07-01 $205,000 (7.9%) $282,580 (7.5%) 0.68 2,104
2018-08-01 $199,700 (5.2%) $276,762 (6.4%) 0.67 2,125
2018-09-01 $199,900 (5.3%) $274,681 (4.3%) 0.67 2,146
2018-10-01 $199,575 (7.5%) $275,014 (8.0%) 0.67 2,201
2018-11-01 $199,900 (5.8%) $272,435 (1.8%) 0.68 2,274
2018-12-01 $199,970 (5.3%) $272,121 (0.0%) 0.69 2,298
2019-01-01 $199,900 (5.3%) $270,769 (0.7%) 0.69 2,273
2019-02-01 $199,350 (4.5%) $269,545 (-0.8%) 0.67 2,387
2019-03-01 $198,814 (2.0%) $273,632 (0.7%) 0.65 2,379
2019-04-01 $199,900 (0.1%) $278,957 (0.2%) 0.63 2,358
2019-05-01 $204,750 (-0.5%) $280,023 (-0.8%) 0.64 2,242
2019-06-01 $205,000 (0.0%) $287,491 (2.2%) 0.64 2,201
2019-07-01 $206,000 (0.5%) $290,834 (2.9%) 0.64 2,141
2019-08-01 $209,259 (4.8%) $290,682 (5.0%) 0.66 2,111
2019-09-01 $209,648 (4.9%) $288,765 (5.1%) 0.67 2,102
2019-10-01 $208,932 (4.7%) $285,584 (3.8%) 0.67 2,108
2019-11-01 $209,000 (4.6%) $283,149 (3.9%) 0.69 2,109
2019-12-01 $207,658 (3.8%) $279,494 (2.7%) 0.69 2,109
2020-01-01 $204,498 (2.3%) $279,106 (3.1%) 0.68 2,047
2020-02-01 $205,800 (3.2%) $280,081 (3.9%) 0.67 2,046
2020-03-01 $207,625 (4.4%) $281,466 (2.9%) 0.65 1,896
2020-04-01 $204,945 (2.5%) $280,300 (0.5%) 0.64 1,890
2020-05-01 $209,900 (2.5%) $283,402 (1.2%) 0.64 1,783
2020-06-01 $214,900 (4.8%) $298,204 (3.7%) 0.63 1,564
2020-07-01 $215,000 (4.4%) $308,248 (6.0%) 0.62 1,423
2020-08-01 $224,900 (7.5%) $319,257 (9.8%) 0.64 1,259
2020-09-01 $226,406 (8.0%) $321,273 (11.3%) 0.65 1,225
2020-10-01 $230,000 (10.1%) $337,160 (18.1%) 0.66 1,205
2020-11-01 $229,900 (10.0%) $331,587 (17.1%) 0.67 1,235
2020-12-01 $230,000 (10.8%) $329,955 (18.1%) 0.68 1,214
2021-01-01 $236,000 (15.4%) $336,939 (20.7%) 0.70 1,054
2021-02-01 $239,900 (16.6%) $344,852 (23.1%) 0.70 911
2021-03-01 $241,498 (16.3%) $364,064 (29.4%) 0.69 701
2021-04-01 $257,473 (25.6%) $392,034 (39.9%) 0.70 627
2021-05-01 $265,000 (26.3%) $413,797 (46.0%) 0.70 606
2021-06-01 $265,000 (23.3%) $445,862 (49.5%) 0.70 558
2021-07-01 $273,250 (27.1%) $442,133 (43.4%) 0.72 715
2021-08-01 $272,425 (21.1%) $413,713 (29.6%) 0.73 792
2021-09-01 $272,800 (20.5%) $389,891 (21.4%) 0.73 788
2021-10-01 $275,000 (19.6%) $385,738 (14.4%) 0.73 801
2021-11-01 $282,450 (22.9%) $406,487 (22.6%) 0.75 792
2021-12-01 $288,450 (25.4%) $406,286 (23.1%) 0.78 754
2022-01-01 $299,900 (27.1%) $426,694 (26.6%) 0.81 687
2022-02-01 $298,727 (24.5%) $430,248 (24.8%) 0.78 621
2022-03-01 $299,900 (24.2%) $447,498 (22.9%) 0.75 650
2022-04-01 $314,900 (22.3%) $449,250 (14.6%) 0.75 680
2022-05-01 $325,000 (22.6%) $451,877 (9.2%) 0.74 811
2022-06-01 $328,625 (24.0%) $459,046 (3.0%) 0.73 1,023
2022-07-01 $324,900 (18.9%) $446,609 (1.0%) 0.74 1,333
2022-08-01 $316,413 (16.2%) $423,562 (2.4%) 0.73 1,545
2022-09-01 $313,198 (14.8%) $414,261 (6.3%) 0.73 1,720
2022-10-01 $318,750 (15.9%) $409,918 (6.3%) 0.75 1,875
2022-11-01 $314,500 (11.4%) $406,842 (0.1%) 0.76 2,031
Ocala's median listing price for 2022-11-01 was $314,500, a difference of $32,050 (11.4%) versus the prior year and $-4,250 versus the prior month.

Ocala's median listing price comes in at 76% of the national average.

Ocala's average listing price for 2022-11-01 was $406,842, a difference of $355 (0.1%) versus the prior year and $-3,076 versus the prior month.

For the 2022-11-01 period, Ocala had 2,031 MLS listings, a difference of 156 listings (8%) versus the prior month and 1,239 listings (156%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Ocala (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 77 days 1,772 sqft
2018-02-01 77 days 1,780 sqft
2018-03-01 64 days 1,797 sqft
2018-04-01 66 days 1,809 sqft
2018-05-01 64 days 1,817 sqft
2018-06-01 64 days 1,828 sqft
2018-07-01 65 days 1,824 sqft
2018-08-01 64 days 1,796 sqft
2018-09-01 68 days 1,803 sqft
2018-10-01 65 days 1,800 sqft
2018-11-01 63 days 1,802 sqft
2018-12-01 71 days 1,819 sqft
2019-01-01 74 days 1,790 sqft
2019-02-01 67 days 1,772 sqft
2019-03-01 66 days 1,762 sqft
2019-04-01 65 days 1,763 sqft
2019-05-01 65 days 1,763 sqft
2019-06-01 66 days 1,760 sqft
2019-07-01 68 days 1,760 sqft
2019-08-01 68 days 1,771 sqft
2019-09-01 67 days 1,784 sqft
2019-10-01 67 days 1,786 sqft
2019-11-01 61 days 1,768 sqft
2019-12-01 66 days 1,752 sqft
2020-01-01 73 days 1,751 sqft
2020-02-01 67 days 1,747 sqft
2020-03-01 61 days 1,750 sqft
2020-04-01 67 days 1,747 sqft
2020-05-01 79 days 1,727 sqft
2020-06-01 85 days 1,735 sqft
2020-07-01 73 days 1,741 sqft
2020-08-01 66 days 1,760 sqft
2020-09-01 57 days 1,762 sqft
2020-10-01 54 days 1,779 sqft
2020-11-01 52 days 1,747 sqft
2020-12-01 58 days 1,751 sqft
2021-01-01 61 days 1,757 sqft
2021-02-01 52 days 1,766 sqft
2021-03-01 47 days 1,743 sqft
2021-04-01 41 days 1,817 sqft
2021-05-01 40 days 1,817 sqft
2021-06-01 39 days 1,762 sqft
2021-07-01 37 days 1,777 sqft
2021-08-01 36 days 1,754 sqft
2021-09-01 41 days 1,748 sqft
2021-10-01 41 days 1,724 sqft
2021-11-01 44 days 1,751 sqft
2021-12-01 60 days 1,746 sqft
2022-01-01 50 days 1,764 sqft
2022-02-01 39 days 1,706 sqft
2022-03-01 37 days 1,684 sqft
2022-04-01 35 days 1,725 sqft
2022-05-01 32 days 1,729 sqft
2022-06-01 31 days 1,729 sqft
2022-07-01 35 days 1,700 sqft
2022-08-01 43 days 1,672 sqft
2022-09-01 45 days 1,678 sqft
2022-10-01 53 days 1,703 sqft
2022-11-01 60 days 1,699 sqft
Ocala's median listing age (time on market) for 2022-11-01 was 60 days. This is 35% longer than the same period one year ago.

Ocala's median square footage for active listings during the 2022-11-01 period was 1,699 sqft. One year prior, the average listing was 1,751 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.