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Used Subaru Crosstrek for sale near Winooski, VT under $899,990

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79 matches 30 miles from 05404
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: White
Int. color: Gray w/Yellow Stitching
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: CVT 8-Speed
Engine: 2.5L H-4 gasoline direct injection, DOHC, variable valve control
Stock #: MH250893STK
VIN: JF2GTHRC5MH250893

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

MD Motors review

2013 Toyota Highlander

I bought my first car from Md 5 months ago, went above and beyond my expectations! Definitely recommend this place, will come back for sure next time

2021 Subaru Crosstrek Sport review

Great car for getting places I couldn't before

After two years, all I can say is, well done. The car has been solid. I only have 18K miles, but no complaints. It is a bit narrow, and can be a little "economical" in appearance, but not a single complaint. It is a low end car, but the ride and comfort, overall is very good. Gas mileage is always subjective, but I average 32+ MPG overall, and it is at least as good as the Camry I got out of. It has taken me through places I probably should have not ventured. It didn't complain or give me any drama, hardly missing a beat the whole way,,,, with factory AS touring tires. The AWD seems top notch. People complain about the windshield being fragile, but so far so good. They complain about engine performance too, but I have never felt like I was going to be run over or that the engine was underpowered. If you want a "Fast" car, look elsewhere. It does what it does well.

Vehicle information

Ext. color: Blue
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 25-29
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 250850LP
VIN: 4S4GUHU64S3742902

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Burlington Subaru review

I had a wonderful experience at Burlington Subaru.

I had a wonderful experience at Burlington Subaru. I brought my car in for an inspection and tire swap and it was smooth sailing.

2025 Subaru Crosstrek Wilderness review

I love my crosstrek limited.

I love my crosstrek limited.I only have 2 complaints but it not really the car its my prefrence. I have always had cars that the doors locked automatically when you left it as long as you had the key.The cross trek doesnt have that and it drives me insane.I am forever forgetting to lock it by the door handle or key fob.My second complaint is it has heated everything except the steering wheel.I like that in the winter but other than that its a great car so far.I have only had it a month so Im not sure how it handles in the snow yet.

Vehicle information

Ext. color: Crystal White Pearl
Int. color: BLACK
Drivetrain: All-wheel Drive
MPG: 28-33
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L H-4 gasoline direct injection, DOHC, variable valve control,
Stock #: C5480
VIN: JF2GTAEC0PH273371

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Carter's Cars review

2013 Toyota Highlander

You couldn’t ask for a more friendly and honest car salesman as Austin. There were a few minor issues with the car we were looking at which Austin not only pointed out to us but agreed to take care of them prior to us taking ownership of the car. (Without any additional charge I might add!). Chuck also worked with us to find the best financing that fit our budget. Both Chuck and Austin made buying a used car a very positive experience. I certainly recommend anyone looking to purchase a used car to check out Carter’s Cars and talk with Austin.

2023 Subaru Crosstrek Premium review

My first Subaru and I love it.

My first Subaru and I love it. Drives wonderful and is just perfect ❤️❤️. Handles with ease and very comfortable. So very happy with this one

Vehicle information

Ext. color: Ice Silver Metallic
Int. color: Black W And Orange Stitching
Engine: 4 Cylinder Engine
Stock #: 243529R
VIN: 4S4GUHL69R3796787

Reviews

DELLA Subaru review

I just purchased a new Subaru Wilderness from Della

I just purchased a new Subaru Wilderness from Della Subaru. Jennifer and Andrew were amazing! They were able to get me the car I wanted at a price that I could afford. If you are looking for a new or used Subaru I highly recommend visiting Della and meeting with Andrew and Jennifer.

2024 Subaru Crosstrek Limited review

I love my 2024 Subaru Crosstrek!

I love my 2024 Subaru Crosstrek! It's great in all weather conditions, which is one of the main reasons I bought it. I live in the Buffalo area and I needed a good car for the snowy winters. It's roomy enough to hold plenty of luggage and even my dog's large crate but easy to maneuver and park. I love all the safety features and special features such as the large media display.

Vehicle information

Ext. color: Ice Silver Metallic
Int. color: Gray W And Yellow Stitching
Engine: 4 Cylinder Engine
Stock #: 253259A
VIN: JF2GTHSCXMH294687

Reviews

DELLA Subaru review

Alesha Bailey at DELLA Subaru never fails to provided a

Alesha Bailey at DELLA Subaru never fails to provided a good experience, a positive attitude, and is always a great help!! Through her, I purchased my first car at DELLA Subaru!

2021 Subaru Crosstrek Sport review

sweet ride

very good on gas and the seats are very comfortable and luv the safety features and like how i can connect my iPhone and use the star link. also enjoy the heated seats are a plus

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 25-29
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 251111LP
VIN: 4S4GUHU60S3755372

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Burlington Subaru review

Friendly, Hannah was comfortable and pleasant to me.

Friendly, Hannah was comfortable and pleasant to me. I was not intimadated, and told her what I was in the market for, a new Subaru Legacy. Hannah presented me a model to test drive, and we went forward from there on what model I wanted, options and trade in value. A seamless experience,and I had my new car within one week.

2025 Subaru Crosstrek Wilderness review

I bought the 2025 Crosstrek even though the gas mileage

I bought the 2025 Crosstrek even though the gas mileage wasn't great and I am glad I did. While sticker said to expect 28-31 miles per gallon, I am getting 32-35 on the highway and definitely more than 28 in stop and go traffic. It is also a good car for older drivers like me. I didn't realize I was often outside my lane. The lane departure function has improved my driving. The Crosstrek also has a large screen for maps and apple car play, so I am not looking down to navigate. I highly recommend this car for older drivers who need the safety features and don't drive enough to make a hybrid worth the extra money.

Vehicle information

Ext. color: Green
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 250900LP
VIN: 4S4GUHN67S3745307

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Burlington Subaru review

Ashley was awesome!

Ashley was awesome! She was proffessional, courteous and she explained what they did! Thank you!

2025 Subaru Crosstrek Limited review

My first car from an auto manufacturer in Japan.

My first car from an auto manufacturer in Japan. I really like everything about it! It's brand new - so no problems. The only thing I wish was better is that the computer takes a very long time to boot up. It's not instant when you start the car. Sometimes I have to wait to turn on the AC and other features.

Vehicle information

Ext. color: White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 250848LP
VIN: 4S4GUHL60S3742378

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Burlington Subaru review

Took my ‘16 Crosstrek in because the battery was leaking

Took my ‘16 Crosstrek in because the battery was leaking acid. Secured a warranty replacement in a timely manner and beat out the cold, much appreciated!

2025 Subaru Crosstrek Limited review

1st time in a Subaru so far so good only problem no sure

1st time in a Subaru so far so good only problem no sure how a long drive will go no arm rest that are comfortable on either door or center console looking into after market foam rest to make long trips comfortable!! Only had the car a month now but so far so good avg about 28 mpg !!

Vehicle information

Ext. color: Blue
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 25-29
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 251108LP
VIN: 4S4GUHT62S3755925

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Burlington Subaru review

From my internet inquiries to the final purchase it was a

From my internet inquiries to the final purchase it was a great experience. My rep Lindsey was professional and extremely helpful. She took the time with me to make for a very comfortable purchase. It's my first time buying there and i will be back for service and for my next purchase. I am very pleased.

2025 Subaru Crosstrek Wilderness review

My previous car became a money pit with multiple repairs

My previous car became a money pit with multiple repairs needed, all costing me thousands of dollars to do repairs. It was items that were not covered under my maintenance plan. I decided to trade it in for a new vehicle. It’s nice to drive a car that can almost drive itself on the road.

Vehicle information

Ext. color: Green
Int. color: Gray
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 250893LP
VIN: 4S4GUHF60S3745115

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control

Vehicle information

Ext. color: White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 251094LP
VIN: 4S4GUHM62S3749119

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.5L H4 16V GDI DOHC
Stock #: 250965LP
VIN: 4S4GUHL63S3748837

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Red
Int. color: Gray
Drivetrain: All-wheel Drive
MPG: 26-33
Fuel type: Gasoline
Transmission: continuously variable automatic
Engine: 2.5L H-4 gasoline direct injection, DOHC, variable valve control
Stock #: 6641
VIN: 4S4GUHM68R3746641

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Paya's Auto review

The best experience buying a car we have ever had.

The best experience buying a car we have ever had. There was absolutely no pressure from the Sales Manager yet he was close by when we had questions, all of which were answered clearly and honestly. We left with a beautiful vehicle and couldn't be happier!

2024 Subaru Crosstrek Limited review

If you're looking for a compact SUV that feels like a

If you're looking for a compact SUV that feels like a safe bet without being boring, the 2024 Subaru Crosstrek Sport is worth a serious look, especially as a certified pre-owned. It’s the kind of car that quietly earns your trust, mile after mile. The Crosstrek Sport hits a sweet spot between comfort and practicality. The seats are genuinely comfortable, the cabin layout makes sense, and there’s enough space to haul groceries, camping gear, or a couple of friends without feeling cramped. It’s not flashy inside, but everything feels solid and built to last. Driving it feels reassuring. The 2.5-liter engine has enough power to handle daily errands and weekend road trips, and Subaru’s all-wheel drive system gives it a confident grip in rain, snow, or on gravel. It’s not going to win drag races, but it’s smooth, predictable, and easy to drive. Looks-wise, the Crosstrek Sport is understated but sharp. The sport trim adds just enough flair to stand out without trying too hard. It’s the kind of design that ages well. What really makes this model shine as a certified pre-owned is the peace of mind. You get a factory-backed warranty, a thorough inspection, and the comfort of knowing it’s been vetted by Subaru. Combine that with Subaru’s reputation for reliability and strong resale value, and you’ve got a vehicle that’s built for the long haul. I’d recommend the certified pre-owned Crosstrek Sport to anyone who wants a dependable, comfortable SUV that won’t surprise you, in the best way. It’s perfect for folks who value practicality, live in places with unpredictable weather, or just want a car that quietly gets the job done. It’s not trying to be a luxury car or a performance beast. It’s just a really good Subaru.

Vehicle information

Ext. color: Blue
Int. color: Gray
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: continuously variable automatic
Engine: 2.5L H-4 gasoline direct injection, DOHC, variable valve control
Stock #: 2291
VIN: JF2GUHDC0SH222291

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Reviews

Paya's Auto review

My 20 year old car finally had me looking for a new car.

My 20 year old car finally had me looking for a new car. I did not want to buy a brand new car and definitely had no desire to go to a big car dealership! Paya's has been in business a long time and sounded very reputable so I decided I would go check out a car they had online. So glad I did. Peter was super awesome to work with. Love how the place isn't your pushy feeling dealerships. Peter plugged in my information, after I test drove the rig, and made me feel comfortable with the whole process. I ended up purchasing a beautiful Bronco and it happened quick! Peter was so efficient. I highly recommend checking them out if you're in the market for a car and want to feel like you're not being pushed into making a bad decision.

Vehicle information

Ext. color: White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: continuously variable automatic
Engine: 2.5L H-4 gasoline direct injection, DOHC, variable valve control
Stock #: 9458
VIN: JF2GTHNCXN8239458

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Paya's Auto review

Extremely helpful and friendly.

Extremely helpful and friendly. Helped find a lender when our primary couldn’t approve our application. Let us take the vehicle to our mechanic before we committed to the deal.

2022 Subaru Crosstrek Limited review

Perfect vehicle

I personally love my 22 Crosstrac. I have the turbo engine and it has a lot of go to it. Very sturdy on the road at higher speeds. I have the Limited Edition with diamond sparkle black paint, black leather interior very sharp looking vehicle. There was a few hiccups in the beginning with a few minor leaks around the windshield which was promptly fix by the dealership. Gas mileage is great. If you have a family or intend on traveling a lot, the storage part is small other than that perfection all around.

Vehicle information

Ext. color: Crystal White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L H-4 gasoline direct injection, DOHC, variable valve control
Stock #: 4003
VIN: JF2GTHMC1N8204003

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Marty's Auto review

Great experience

Ninety-five percent of the cars on the lot are rebuilt, with prices that reflect that. The quality of the mechanical work is excellent. Our salesman, Brad, was helpful and knowledgeable. They submit your credit app to multiple lenders, so that there is competition. Ended up with the car we wanted at a good price and a very competitive rate. Only false note was offering an after-market warranty that has a poor online reputation. Made things as easy as they could be. Willing to show us cars that hadn't been rebuilt yet, in case we were interested and willing to wait, rather than pushing us to take something off the lot immediately. Car came with a decent set of tires, too.

2022 Subaru Crosstrek Limited review

overall a great commuter car

I have a 2022 Crosstrek Limited. I think it is overall a great commuter car with average 33MPG. However, I have two issues with this vehicle 1) Seat it took small & uncomfortable if you seat for a period of time and 2) Highway wind noise is pretty loud around 70 db at 65mph.

Vehicle information

Ext. color: Light Blue
Int. color: Black w/Orange Stitching
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L H-4 gasoline direct injection, DOHC, variable valve control
Stock #: 0647
VIN: JF2GTHMC2P8330647

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Marty's Auto review

Fantastic Experience

This is the way to buy a car. Josh was prompt and regular with e-mail communication. Process was completely transparent with before and after photos freely shown. When we came for test drive, the key was given freely without any sales pressure. We knew we wanted to buy, and the whole process of closing the deal took 45 minutes. Impressive showroom for a used car dealer, to boot.

2023 Subaru Crosstrek Limited review

Great Car

This is my second Crosstrek and I love it. I live in the Northeast and it's the best car I've ever had for driving in snow and sleet. It also has great pickup for when I want to pass a car or for going uphills.

Vehicle information

Ext. color: Crystal White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 26-33
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L H-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: 3860
VIN: JF2GPALC5H8203860

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Marty's Auto review

Great service and prices!

Bought 5 cars now and have have actually made money after selling them later because o bought them so well from them. Marty himself came out and helped us and was super friendly. Much appreciated!

2017 Subaru Crosstrek 2.0i Limited review

Great reliability and safe

Excellent drivability comfortable good value, quality and safety features Rides great . this is my 3rd Subaru 2 Foresters priori still own 1 2018 Subaru is a mainstay with me and my family. Great for winter

Vehicle information

Ext. color: Crystal White Pearl
Int. color: Black w/Orange Stitching
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L H-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 0287
VIN: JF2GTADC5K8290287

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Rear Cross Traffic Alert, Stability Control

Reviews

Marty's Auto review

Searching

I was looking for a vehicle and used cars.com which found Marty’s. I emailed about a vehicle within a day I had a response about its availability. I only didn’t follow through because I changed my mind about buy a vehicle at this time.

2019 Subaru Crosstrek 2.0i Premium review

This car has all the safety and comfort issues I was

This car has all the safety and comfort issues I was looking for - plus good gas mileage. The styling and four wheel drive fits with my rugged home woodland environment.

Vehicle information

Ext. color: Crystal White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 23-33
Fuel type: Gasoline
Transmission: 5 Speed Manual
Engine: 2L H-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: 7320
VIN: JF2GPABCXH9207320

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Marty's Auto review

Best Deal Ever.

Bought a chrysler sebring with 20,000 miles on it 7 years ago (now 65,000) Routine maintenance. Never an issue. Still running great. Best deal I ever made in my 50 years of buying and driving.

2017 Subaru Crosstrek 2.0i Premium review

Great all around car for family or sports.

I absolutely love this car, but I bought a camper van and don't need two cars. I will miss it. Good mileage, and fantastic AWD traction in snow. Great ski car.

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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