Mexico Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Mexico averaged 6.51% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

The average rate for the prior week (2024-11-07) was 6.52% and one month ago for the week of 2024-10-10, the average rate was 6.05%.

Mexico's average rate one year ago was 7.43%.

For refis of the same type during the week of 2024-11-14, the average rate was 6.88%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-11-14 6.78%
Mexico 30 Year Fixed Rate 2024-11-14 6.51%
Mexico 30 Year Fixed Rate Refi 2024-11-14 6.88%
Mexico 15 Year Fixed Rate 2024-11-14 5.89%
Mexico 15 Year Fixed Rate Refi 2024-11-14 5.99%
Mexico 30 Year FHA 2024-11-14 0.1%
Mexico 30 Year FHA Refi 2024-11-14 0%
Mexico 30 Year USDA 2024-11-14 0.2%
Mexico 30 Year USDA Refi 2024-11-14 0.1%
Mexico 30 Year VA 2024-11-14 0.2%
Mexico 30 Year VA Refi 2024-11-14 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Mexico, MO.

Mexico Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Mexico, MO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FLAT BRANCH MORTGAGE, INC. 39 6.74% $2,845
The Central Trust Bank 12 6.70% $2,564
First State Community Bank 9 6.94% $2,195
DAS Acquisition Company, LLC 8 7.00% $3,947
HNB National Bank 5 7.28% $1,259
Midwest Mortgage Associates Corporation 5 6.52% $5,231
QUICKEN LOANS, LLC 5 6.87% $6,110
The Bank of Missouri 4 6.99% $2,307
MISSOURI Credit Union 3 6.46% $1,936
GUILD MORTGAGE COMPANY 2 6.75% $2,579
Commerce Bank 2 7.00% $2,281
HomeBank 2 6.06% $1,877
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.25% $2,126
RED DIAMOND HOME LOANS, LLC 1 6.38% $4,667
USAA Federal Savings Bank 1 6.50% $4,276
American Airlines Federal Credit Union 1 5.75% $0
WEST COMMUNITY 1 6.00% $2,223
BROKER SOLUTIONS, INC. 1 7.25% $3,875
Carrington Mortgage Services, LLC 1 6.63% $6,103
CHURCHILL MORTGAGE CORPORATION 1 7.88% $4,127
Community Mortgage Banc Corporation 1 5.75% $1,792
DELMAR FINANCIAL COMPANY 1 7.63% $3,879
First American Bank 1 6.50% $1,678
Flagstar Bank, FSB 1 6.63% $4,287
GERSHMAN INVESTMENT CORP. 1 6.38% $2,766
Hawthorn Bank 1 6.38% $2,576
KeyBank 1 5.75% $4,228
NAVY FEDERAL CREDIT UNION 1 7.13% $1,135

Mexico Average Closing Costs & Other Stats

Mexico, MO's 28 lenders originated 378 loans during 2023. The total origination value was $49,070,000, with an average loan value of $129,815.

Mexico's average closing costs are $3,487.

The top Mexico lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 39 loans originated. Their average total fees are $2,845, which is $280 higher than the next largest lender, The Central Trust Bank.

The lowest fee Mexico lenders (with over 10 loans originated) are The Central Trust Bank ($2,564), FLAT BRANCH MORTGAGE, INC. ($2,845), .

The lowest rate Mexico lenders (with over 10 loans originated) are The Central Trust Bank (6.70%), FLAT BRANCH MORTGAGE, INC. (6.74%), .

Mexico, MO Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
FLAT BRANCH MORTGAGE, INC. $14,155,000 $13,525,000 -4.5% 27.6%
The Central Trust Bank $10,320,000 $5,170,000 -49.9% 10.5%
First State Community Bank $3,765,000 $4,360,000 15.8% 8.9%
DAS Acquisition Company, LLC $3,165,000 $2,435,000 -23.1% 5.0%
QUICKEN LOANS, LLC $2,570,000 $2,295,000 -10.7% 4.7%
Midwest Mortgage Associates Corporation $1,875,000 n/a 3.8%
HomeBank $2,180,000 $1,670,000 -23.4% 3.4%
United Credit Union $2,655,000 $1,390,000 -47.6% 2.8%
The Bank of Missouri $1,545,000 $1,100,000 -28.8% 2.2%
Commerce Bank $2,310,000 $1,060,000 -54.1% 2.2%
Mortgage Research Center, LLC $2,710,000 $925,000 -65.9% 1.9%
HNB National Bank $360,000 $855,000 137.5% 1.7%
USAA Federal Savings Bank $400,000 $850,000 112.5% 1.7%
COMMERCIAL TRUST COMPANY OF FAYETTE $630,000 $690,000 9.5% 1.4%
UNITED SECURITY BANK $685,000 n/a 1.4%
The Callaway Bank $1,060,000 $555,000 -47.6% 1.1%
NAVY FEDERAL CREDIT UNION $530,000 n/a 1.1%
Bank of England $465,000 n/a 0.9%
River Region Credit Union $570,000 $450,000 -21.1% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $505,000 $430,000 -14.9% 0.9%
Regional Missouri Bank $255,000 $430,000 68.6% 0.9%
MISSOURI Credit Union $165,000 $425,000 157.6% 0.9%
GUILD MORTGAGE COMPANY $250,000 $305,000 22.0% 0.6%
GUARANTEED RATE AFFINITY, LLC $395,000 $295,000 -25.3% 0.6%
THOMPSON KANE & COMPANY, LLC $55,000 $275,000 400.0% 0.6%
BROKER SOLUTIONS, INC. $470,000 $270,000 -42.6% 0.6%
Mid-Continent Funding, Inc. $270,000 n/a 0.6%
Carrington Mortgage Services, LLC $400,000 $260,000 -35.0% 0.5%
DELMAR FINANCIAL COMPANY $175,000 $225,000 28.6% 0.5%
First American Bank $225,000 n/a 0.5%
Community State Bank of Missouri $540,000 $195,000 -63.9% 0.4%
American Airlines Federal Credit Union $185,000 n/a 0.4%
UNITED WHOLESALE MORTGAGE, LLC $405,000 $185,000 -54.3% 0.4%
First State Bank of St. Charles, Missouri $215,000 $175,000 -18.6% 0.4%
ON Q FINANCIAL, INC. $465,000 $175,000 -62.4% 0.4%
PLANET HOME LENDING, LLC $175,000 n/a 0.4%
U.S. Bank $1,515,000 $175,000 -88.4% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $170,000 n/a 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $165,000 n/a 0.3%
Flagstar Bank, FSB $105,000 $165,000 57.1% 0.3%
KeyBank $165,000 n/a 0.3%
First Midwest Bank of Poplar Bluff $305,000 $160,000 -47.5% 0.3%
Hawthorn Bank $175,000 $155,000 -11.4% 0.3%
PEOPLES BANK & TRUST CO. $30,000 $155,000 416.7% 0.3%
WEST COMMUNITY $55,000 $155,000 181.8% 0.3%
ENDEAVOR CAPITAL, LLC. $145,000 n/a 0.3%
Flanagan State Bank $145,000 n/a 0.3%
RED DIAMOND HOME LOANS, LLC $135,000 n/a 0.3%
CHURCHILL MORTGAGE CORPORATION $125,000 n/a 0.3%
GERSHMAN INVESTMENT CORP. $350,000 $125,000 -64.3% 0.3%
Plains Commerce Bank $125,000 n/a 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $85,000 $105,000 23.5% 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $100,000 n/a 0.2%
Exchange Bank of Missouri $540,000 $95,000 -82.4% 0.2%
FREEDOM MORTGAGE CORPORATION $290,000 $95,000 -67.2% 0.2%
AMERISAVE MORTGAGE CORPORATION $85,000 n/a 0.2%
Brighton Bank $85,000 n/a 0.2%
Discover Bank $155,000 $85,000 -45.2% 0.2%
PLAZA HOME MORTGAGE, INC. $85,000 n/a 0.2%
Community Mortgage Banc Corporation $85,000 $75,000 -11.8% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $530,000 $75,000 -85.8% 0.2%
LEADERONE FINANCIAL CORPORATION $75,000 n/a 0.2%
Members Mortgage Services, L.L.C. $310,000 $75,000 -75.8% 0.2%
FINANCE OF AMERICA REVERSE LLC $65,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $270,000 $65,000 -75.9% 0.1%
PENNYMAC LOAN SERVICES, LLC $215,000 $55,000 -74.4% 0.1%
VANTAGE Credit Union $45,000 n/a 0.1%
UMB Bank $35,000 n/a 0.1%
LOANDEPOT.COM, LLC $695,000 $25,000 -96.4% 0.1%
R-G Federal Credit Union $25,000 n/a 0.1%
United Bank of Union $85,000 $5,000 -94.1% 0.0%

Mexico's top lender by overall market share is FLAT BRANCH MORTGAGE, INC., with 27.6% market share. In second place, with 10.5%, is The Central Trust Bank, having originated $5,170,000 in loans. In third place, with 8.9%, is First State Community Bank, having originated $4,360,000 in loans. In fourth place, with 5.0%, is DAS Acquisition Company, LLC, having originated $2,435,000 in loans. In fifth place, with 4.7%, is QUICKEN LOANS, LLC, having originated $2,295,000 in loans.


Mexico Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Mexico (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 $77,575 (-3.5%) $111,632 (-11.7%) 0.00 96
2018-02-01 $75,125 (-8.3%) $106,215 (-8.9%) 0.00 92
2018-03-01 $75,000 (-14.2%) $102,999 (-13.2%) 0.00 89
2018-04-01 $82,550 (-5.1%) $111,358 (-9.0%) 0.00 81
2018-05-01 $87,250 (9.2%) $114,626 (-3.5%) 0.00 91
2018-06-01 $89,250 (8.5%) $112,048 (-8.1%) 0.00 96
2018-07-01 $94,875 (19.4%) $113,847 (-6.7%) 0.00 97
2018-08-01 $94,700 (13.2%) $126,792 (4.2%) 0.00 94
2018-09-01 $92,750 (23.7%) $130,130 (9.1%) 0.00 93
2018-10-01 $97,075 (31.7%) $133,985 (16.5%) 0.00 97
2018-11-01 $89,600 (28.2%) $129,378 (14.8%) 0.00 105
2018-12-01 $89,900 (28.6%) $126,790 (19.0%) 0.00 114
2019-01-01 $81,250 (4.7%) $115,940 (3.9%) 0.00 112
2019-02-01 $91,125 (21.3%) $123,749 (16.5%) 0.00 121
2019-03-01 $98,871 (31.8%) $140,022 (35.9%) 0.00 107
2019-04-01 $116,600 (41.3%) $155,126 (39.3%) 0.00 88
2019-05-01 $131,825 (51.1%) $164,999 (44.0%) 0.00 88
2019-06-01 $133,700 (49.8%) $167,498 (49.5%) 0.00 93
2019-07-01 $119,850 (26.3%) $162,927 (43.1%) 0.00 94
2019-08-01 $119,473 (26.2%) $158,266 (24.8%) 0.00 101
2019-09-01 $111,332 (20.0%) $150,190 (15.4%) 0.00 100
2019-10-01 $110,855 (14.2%) $144,779 (8.1%) 0.00 100
2019-11-01 $105,000 (17.2%) $137,893 (6.6%) 0.00 110
2019-12-01 $97,700 (8.7%) $132,005 (4.1%) 0.00 102
2020-01-01 $89,400 (10.0%) $130,546 (12.6%) 0.00 92
2020-02-01 $87,250 (-4.3%) $131,952 (6.6%) 0.00 81
2020-03-01 $86,450 (-12.6%) $131,954 (-5.8%) 0.00 73
2020-04-01 $77,900 (-33.2%) $135,829 (-12.4%) 0.00 64
2020-05-01 $85,000 (-35.5%) $141,010 (-14.5%) 0.00 62
2020-06-01 $102,050 (-23.7%) $149,510 (-10.7%) 0.00 57
2020-07-01 $107,250 (-10.5%) $152,677 (-6.3%) 0.00 63
2020-08-01 $125,000 (4.6%) $163,403 (3.3%) 0.00 61
2020-09-01 $118,225 (6.2%) $167,060 (11.2%) 0.00 55
2020-10-01 $110,000 (-0.8%) $157,405 (8.7%) 0.00 57
2020-11-01 $135,850 (29.4%) $173,468 (25.8%) 0.00 56
2020-12-01 $112,475 (15.1%) $153,952 (16.6%) 0.00 57
2021-01-01 $119,900 (34.1%) $162,616 (24.6%) 0.00 42
2021-02-01 $119,900 (37.4%) $184,666 (40.0%) 0.00 30
2021-03-01 $128,675 (48.8%) $205,244 (55.5%) 0.00 22
2021-04-01 $120,700 (54.9%) $165,873 (22.1%) 0.00 24
2021-05-01 $119,900 (41.1%) $167,464 (18.8%) 0.00 29
2021-06-01 $116,250 (13.9%) $167,420 (12.0%) 0.00 34
2021-07-01 $95,250 (-11.2%) $145,907 (-4.4%) 0.00 42
2021-08-01 $90,000 (-28.0%) $149,356 (-8.6%) 0.00 42
2021-09-01 $108,000 (-8.7%) $159,420 (-4.6%) 0.00 42
2021-10-01 $105,000 (-4.6%) $159,562 (1.4%) 0.00 47
2021-11-01 $116,250 (-14.4%) $163,760 (-5.6%) 0.00 49
2021-12-01 $89,600 (-20.3%) $149,955 (-2.6%) 0.00 40
2022-01-01 $110,000 (-8.3%) $153,328 (-5.7%) 0.00 28
2022-02-01 $127,700 (6.5%) $154,582 (-16.3%) 0.00 25
2022-03-01 $123,675 (-3.9%) $161,782 (-21.2%) 0.00 24
2022-04-01 $137,000 (13.5%) $186,650 (12.5%) 0.00 28
2022-05-01 $147,450 (23.0%) $181,144 (8.2%) 0.00 33
2022-06-01 $138,700 (19.3%) $176,805 (5.6%) 0.00 37
2022-07-01 $150,000 (57.5%) $172,927 (18.5%) 0.00 48
2022-08-01 $139,900 (55.4%) $154,049 (3.1%) 0.00 53
2022-09-01 $139,900 (29.5%) $291,048 (82.6%) 0.00 51
2022-10-01 $151,500 (44.3%) $171,020 (7.2%) 0.00 57
2022-11-01 $150,000 (29.0%) $178,736 (9.2%) 0.00 54
2022-12-01 $152,450 (70.2%) $176,441 (17.7%) 0.00 50
2023-01-01 $129,700 (17.9%) $162,972 (6.3%) 0.00 49
2023-02-01 $133,675 (4.7%) $145,933 (-5.6%) 0.00 48
2023-03-01 $139,200 (12.6%) $163,847 (1.3%) 0.00 34
2023-04-01 $173,700 (26.8%) $200,463 (7.4%) 0.00 32
2023-05-01 $155,450 (5.4%) $180,624 (-0.3%) 0.00 30
2023-06-01 $138,725 (0.0%) $175,018 (-1.0%) 0.00 33
2023-07-01 $169,900 (13.3%) $200,459 (15.9%) 0.00 32
2023-08-01 $173,050 (23.7%) $211,747 (37.5%) 0.00 40
2023-09-01 $142,948 (2.2%) $213,242 (-26.7%) 0.00 34
2023-10-01 $159,900 (5.5%) $223,314 (30.6%) 0.00 34
2023-11-01 $161,775 (7.9%) $236,082 (32.1%) 0.00 34
2023-12-01 $109,900 (-27.9%) $180,262 (2.2%) 0.00 56
2024-01-01 $118,075 (-9.0%) $188,112 (15.4%) 0.00 56
2024-02-01 $107,400 (-19.7%) $208,190 (42.7%) 0.00 75
2024-03-01 $117,498 (-15.6%) $240,316 (46.7%) 0.00 73
2024-04-01 $122,449 (-29.5%) $247,641 (23.5%) 0.00 67
2024-05-01 $112,475 (-27.7%) $216,618 (19.9%) 0.00 65
2024-06-01 $99,900 (-28.0%) $188,482 (7.7%) 0.00 63
2024-07-01 $138,000 (-18.8%) $185,881 (-7.3%) 0.00 70
2024-08-01 $144,000 (-16.8%) $191,765 (-9.4%) 0.00 59
2024-09-01 $148,724 (4.0%) $197,948 (-7.2%) 0.00 55
2024-10-01 $137,225 (-14.2%) $194,365 (-13.0%) 0.00 52
Mexico's median listing price for 2024-10-01 was $137,225, a difference of $-22,675 (-14.2%) versus the prior year and $-11,499 versus the prior month.

Mexico's median listing price comes in at 0% of the national average.

Mexico's average listing price for 2024-10-01 was $194,365, a difference of $-28,949 (-13.0%) versus the prior year and $-3,583 versus the prior month.

For the 2024-10-01 period, Mexico had 52 MLS listings, a difference of -3 listings (-5%) versus the prior month and 18 listings (53%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Mexico (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,412 sqft
2018-02-01 0 days 1,443 sqft
2018-03-01 0 days 1,525 sqft
2018-04-01 0 days 1,528 sqft
2018-05-01 0 days 1,466 sqft
2018-06-01 0 days 1,416 sqft
2018-07-01 0 days 1,412 sqft
2018-08-01 0 days 1,431 sqft
2018-09-01 0 days 1,415 sqft
2018-10-01 0 days 1,470 sqft
2018-11-01 0 days 1,482 sqft
2018-12-01 0 days 1,460 sqft
2019-01-01 0 days 1,367 sqft
2019-02-01 0 days 1,405 sqft
2019-03-01 0 days 1,446 sqft
2019-04-01 0 days 1,573 sqft
2019-05-01 0 days 1,656 sqft
2019-06-01 0 days 1,629 sqft
2019-07-01 0 days 1,541 sqft
2019-08-01 0 days 1,557 sqft
2019-09-01 0 days 1,553 sqft
2019-10-01 0 days 1,550 sqft
2019-11-01 0 days 1,484 sqft
2019-12-01 0 days 1,561 sqft
2020-01-01 0 days 1,560 sqft
2020-02-01 0 days 1,490 sqft
2020-03-01 0 days 1,432 sqft
2020-04-01 0 days 1,397 sqft
2020-05-01 0 days 1,604 sqft
2020-06-01 0 days 1,707 sqft
2020-07-01 0 days 1,718 sqft
2020-08-01 0 days 1,800 sqft
2020-09-01 0 days 1,704 sqft
2020-10-01 0 days 1,648 sqft
2020-11-01 0 days 1,625 sqft
2020-12-01 0 days 1,593 sqft
2021-01-01 0 days 1,599 sqft
2021-02-01 0 days 1,441 sqft
2021-03-01 0 days 1,454 sqft
2021-04-01 0 days 1,525 sqft
2021-05-01 0 days 1,355 sqft
2021-06-01 0 days 1,313 sqft
2021-07-01 0 days 1,344 sqft
2021-08-01 0 days 1,554 sqft
2021-09-01 0 days 1,601 sqft
2021-10-01 0 days 1,526 sqft
2021-11-01 0 days 1,368 sqft
2021-12-01 0 days 1,422 sqft
2022-01-01 0 days 1,307 sqft
2022-02-01 0 days 1,212 sqft
2022-03-01 0 days 1,294 sqft
2022-04-01 0 days 1,456 sqft
2022-05-01 0 days 1,565 sqft
2022-06-01 0 days 1,409 sqft
2022-07-01 0 days 1,429 sqft
2022-08-01 0 days 1,399 sqft
2022-09-01 0 days 1,406 sqft
2022-10-01 0 days 1,470 sqft
2022-11-01 0 days 1,459 sqft
2022-12-01 0 days 1,456 sqft
2023-01-01 0 days 1,432 sqft
2023-02-01 0 days 1,375 sqft
2023-03-01 0 days 1,426 sqft
2023-04-01 0 days 1,512 sqft
2023-05-01 0 days 1,462 sqft
2023-06-01 0 days 1,416 sqft
2023-07-01 0 days 1,452 sqft
2023-08-01 0 days 1,494 sqft
2023-09-01 0 days 1,421 sqft
2023-10-01 0 days 1,299 sqft
2023-11-01 0 days 1,337 sqft
2023-12-01 0 days 1,415 sqft
2024-01-01 0 days 1,387 sqft
2024-02-01 0 days 1,250 sqft
2024-03-01 0 days 1,404 sqft
2024-04-01 0 days 1,414 sqft
2024-05-01 0 days 1,605 sqft
2024-06-01 0 days 1,664 sqft
2024-07-01 0 days 1,600 sqft
2024-08-01 0 days 1,583 sqft
2024-09-01 0 days 1,588 sqft
2024-10-01 0 days 1,543 sqft
Mexico's median listing age (time on market) for 2024-10-01 was 0 days.

Mexico's median square footage for active listings during the 2024-10-01 period was 1,543 sqft. One year prior, the average listing was 1,299 sqft.

Mexico, MO Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 278 $40,500,000 $145,683
Refi 29 $3,415,000 $117,759
Cash Out Refi 26 $2,860,000 $110,000
Other 24 $1,180,000 $49,167
Home Improvement 21 $1,115,000 $53,095

Mexico's most frequently cited loan purpose was Home Purchase, with 278 originations. The 2nd most popular reason was Refi, with 29 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 137 $19,585,000 $142,956
7-8% 89 $13,255,000 $148,933
Over 8% 52 $5,400,000 $103,846
5-6% 41 $5,895,000 $143,780
<2.5% 2 $10,000 $5,000
2.5-3% 1 $35,000 $35,000

During 2023, Mexico's most frequently originated rate bucket was 6-7%, with 137 originations.

Loan Sizing (Mexico, MO MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 170 $10,190,000 $59,941
$100k-200k 148 $21,060,000 $142,297
$200k-400k 52 $13,970,000 $268,654
$400k-600k 8 $3,850,000 $481,250

Mexico's loan sizing saw the bucket of loans from $100,000 or less with 170 originations, totaling $10,190,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 173 $26,185,000 $151,358
60-80% 75 $11,215,000 $149,533
20-40% 29 $2,375,000 $81,897
40-60% 22 $2,740,000 $124,545
Under 20% 18 $540,000 $30,000
Over 100% 5 $1,125,000 $225,000

Mexico's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 173 originations, totaling $26,185,000 in origination value.