I believe that we actually saw an improvement in the number of applications processed in that time frame, during the pandemic, partially because there was a decline in the number of applications submitted during the pandemic. We considered whether or not there was a reduction there, but we actually saw an improvement in the closing and processing of applications just at the start of the pandemic.
I would point you to exhibit 2.4. We divided up our 18-month period of data into six-month chunks. We looked at the first six months, from April 1, 2020 to September 30, 2020. We did the same thing for 2021, just to see if there would be an improvement. What we saw, if you look at the median, was that it actually got much better. With the files that were further down, the extension went even longer. There was some improvement, yet other files waited longer.
It was really hard to know if it was timing, if it was data or if it was application. There is a need to have a better handle on the information and where the bottlenecks are.