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Car shopper resources

Basics

Exterior color
ALPINA Blue Metallic
Interior color
Black
Drivetrain
All-wheel Drive
MPG
16–20

Based on EPA mileage ratings. Use for comparison purposes only. Actual mileage will vary depending on driving conditions, driving habits, vehicle maintenance, and other factors.

Fuel type
Gasoline
Transmission
Automatic
Engine
4.4L V-8 gasoline direct injection, DOHC, Double VANOS variable
VIN
5UX43EM08S9Z01792
Stock #
S9Z01792
Mileage
17 mi.

Features

Convenience
  • Adaptive Cruise Control
  • Cooled Seats
  • Heated Seats
  • Heated Steering Wheel
  • Keyless Entry
  • Keyless Start
  • Navigation System
  • Power Liftgate
  • Remote Start
Entertainment
  • Android Auto®
  • Apple CarPlay®
  • Bluetooth®
  • HomeLink
  • Premium Sound System
  • Satellite Radio
  • USB Port
  • WiFi Hotspot
Exterior
  • Alloy Wheels
  • Sunroof/Moonroof
Safety
  • Automatic Emergency Braking
  • Backup Camera
  • Blind Spot Monitor
  • Brake Assist
  • LED Headlights
  • Lane Departure Warning
  • Rain Sensing Wipers
  • Rear Cross Traffic Alert
  • Stability Control
Seating
  • Leather Seats
  • Memory Seat
  • Third Row Seating
View all features

Features

These features are associated with this vehicle type. Contact the seller to confirm this specific vehicle has them.

  • 12V power outlets 4 12V power outlets
  • 23' X 9.5' Front and 23' X 11' Rear ALPINA CLASSIC Wheels
  • 2nd-Row Captain's Chairs
  • 3rd Row Seat
  • 4-Wheel Disc Brakes
  • 4.4L V8 Engine
  • 4WD type Part and full-time AWD
  • 8 Cylinder Engine
  • 8-Speed A/T
  • 8-Speed Sport Automatic Transmission
  • A/C
  • ABS
  • ABS Brakes 4-wheel antilock (ABS) brakes
  • ABS Brakes Four channel ABS brakes
  • ALPINA Walnut Nature Black Trim
  • AM/FM Stereo
  • Accessory power Retained accessory power
  • Active Suspension
  • Adaptive Cruise Control
  • Adaptive cruise control Active Cruise Control with Stop & Go
  • Adaptive headlights Directionally adaptive headlights
  • Adjustable Steering Wheel
  • Air Suspension
  • Air conditioning Yes
  • All Wheel Drive
  • All-in-one key All-in-one remote fob and ignition key
  • Alpine White
  • Alternator Type Hybrid electric motor alternator
  • Aluminum Wheels
  • Ambient lighting
  • Amplifier 1500W amplifier
  • Android Auto
  • Antenna Diversity antenna
  • Antenna Window grid audio antenna
  • Apple CarPlay
  • Apple CarPlay and Android Auto Compatibility
  • Armrests front center Front seat center armrest
  • Armrests front heated Heated front seat center armrest
  • Armrests heated panel or armrest Heated door panel/armrest
  • Armrests rear mounted Second-row seat mounted armrests
  • Ashtray
  • Audio theft deterrent Audio system theft deterrent
  • Auto door locks Auto-locking doors
  • Auto headlights Auto on/off headlight control
  • Auto high-beam headlights High Beam Assistant auto high-beam headlights
  • Auto levelling headlights Auto-leveling headlights
  • Auto tilt steering wheel Auto tilt-away steering wheel
  • Auto-Dimming Rearview Mirror
  • Auto-dimming door mirror driver Auto-dimming driver side mirror
  • Auto-latch doors
  • Automatic Emergency Braking
  • Automatic Headlights
  • Automatic brake hold
  • Automatic curve slowdown cruise control
  • Automatic vehicle parking Parking Assistant Professional automatic vehicle p…
  • Auxiliary Audio Input
  • BMW Assist ECall
  • BMW TeleServices
  • Back-Up Camera
  • Backup Camera
  • Basic warranty 48 month/50,000 miles
  • Battery charge warning
  • Battery run down protection
  • Battery type Lithium ion battery
  • Bench seats Third-row split-bench seat
  • Beverage holders Heated and cooled front beverage holders
  • Beverage holders rear Rear beverage holders
  • Black
  • Blind Spot Monitor
  • Blind spot Active Blind Spot Detection
  • Bluetooth
  • Body panels Galvanized steel/aluminum/composite body panels with side impact…
  • Bodyside insert Chrome bodyside insert
  • Bowers & Wilkins Diamond Surround Sound System
  • Brake Assist
  • Brake assist system
  • Brake pad warning Brake pad wear indicator
  • Brake type 4-wheel disc brakes
  • Bucket Seats
  • Built-in virtual assistant BMW Intelligent Personal Assistant built-in virtu…
  • Bulb warning Bulb failure warning
  • Bumper insert Body-colored front and rear bumper inserts
  • Bumper rub strip rear Body-colored rear bumper rub strip
  • Bumpers front Body-colored front bumper
  • Bumpers rear Body-colored rear bumper
  • Cabin air filter
  • Camera Surround View w/3D View aerial view camera
  • Cargo access Proximity cargo area access release
  • Cargo cover Roll-up cargo cover
  • Cargo floor type Carpet cargo area floor
  • Cargo light Cargo area light
  • Cargo tie downs Cargo area tie downs
  • Child Safety Locks
  • Child door locks Manual rear child safety door locks
  • Cigarette lighter Front cigarette lighter
  • Climate Control
  • Climate control Automatic climate control
  • Clock In-dash clock
  • Compass
  • Compressor Twin turbo
  • Concealed cargo storage Cargo area concealed storage
  • Configurable instrumentation gauges
  • Connected Package Pro
  • ConnectedDrive Services
  • Console Rear console
  • Console insert material Genuine wood and metal-look console insert
  • Console storage Additional console storage
  • Cooled Driver Seat
  • Cooled Passenger Seat
  • Cooled front seats Ventilated driver and front passenger seats
  • Corrosion perforation warranty 144 month/unlimited
  • Cross-Traffic Alert
  • Cruise Control
  • Cruise control Dynamic Cruise Control cruise control with steering wheel mou…
  • Cylinder head material Aluminum cylinder head
  • DRL preference setting
  • Dashboard material Nappa leather upholstered dashboard
  • Day/Night rearview mirror
  • Daytime Running Lights
  • Delay off headlights Delay-off headlights
  • Digital signal processor Harman/kardon digital signal processor
  • Door ajar warning Rear cargo area ajar warning
  • Door bins front Driver and passenger door bins
  • Door bins rear Rear door bins
  • Door handle material Body-colored door handles
  • Door locks Power door locks with 2 stage unlocking
  • Door mirror style Body-colored door mirrors
  • Door mirror type Standard style side mirrors
  • Door mirror with tilt-down in reverse Power passenger door mirror with tilt …
  • Door panel insert Genuine wood and metal-look door panel insert
  • Door trim insert Leatherette door trim insert
  • Drive type XDrive all-wheel drive
  • Driver Air Bag
  • Driver Illuminated Vanity Mirror
  • Driver Vanity Mirror
  • Driver attention monitor Driver attention alert with active monitoring
  • Driver foot rest
  • Driver information center
  • Driver lumbar Massaging driver seat lumbar
  • Driver seat direction Driver seat with 14-way directional controls
  • Driver selectable steering effort Driving Experience Control driver selectab…
  • Drivetrain selectable Driving Experience Control driver selectable drivetrai…
  • Dual Climate Control
  • Dual sunroof
  • Dual-zone front climate control
  • Dual-zone rear climate control
  • Eco Feedback ECO feedback display gage
  • Electric powertrain MHEV (mild hybrid electric vehicle)
  • Electronic parking brake
  • Electronic stability control Electronic stability control system with anti-r…
  • Emergency SOS BMW Assist eCall vehicle integrated emergency SOS system
  • Emissions LEV3-ULEV70 emissions
  • Emissions tiers Tier 3 Bin 70 emissions
  • Engine 4.4L V-8 gasoline direct injection, DOHC, Double VANOS variable valve…
  • Engine Cylinders V8
  • Engine Immobilizer
  • Engine Location Front mounted engine
  • Engine Mounting direction Longitudinal mounted engine
  • Engine block material Aluminum engine block
  • Engine temperature warning
  • Engine/electric motor temperature gage
  • Equalizer Automatic audio equalizer
  • Evasion assist system Evasion Aid evasion assist system
  • External memory External memory control
  • First-row sunroof First and second-row sliding and tilting glass sunroof wit…
  • First-row windows Power first-row windows
  • Floor Mats
  • Floor console Full floor console
  • Floor console storage Covered floor console storage
  • Floor coverage Full floor coverage
  • Floor covering Full carpet floor covering
  • Floor mats Carpet front and rear floor mats
  • Fob engine controls Comfort Access with hands-free access and push button st…
  • Fob remote vehicle controls Smart device and keyfob engine start control
  • Fob sunroof controls Keyfob sunroof/convertible roof control
  • Fob window controls Keyfob window control
  • Folding door mirrors Power folding door mirrors
  • Fore and aft second-row seat Second-row seats with power fore and aft
  • Forward collision warning Frontal Collision Warning w/City Collision Mitigat…
  • Front Head Air Bag
  • Front Massaging Seats
  • Front Side Air Bag
  • Front Ventilated Seats
  • Front accent lighting
  • Front and Rear Heated Seats
  • Front anti-roll Active Roll Stabilization active front anti-roll
  • Front camera Front mounted camera
  • Front head restraint control Power front seat head restraint control
  • Front head restraints Height and tilt adjustable front seat head restraints
  • Front impact airbag driver Driver front impact airbag
  • Front impact airbag passenger Passenger front impact airbag
  • Front passenger lumbar Massaging lumbar front passenger seat
  • Front passenger seat redundant control
  • Front reading lights
  • Front seat upholstery Merino leather front seat upholstery
  • Front seatback upholstery Plastic front seatback upholstery
  • Front side impact airbag driver Seat mounted side impact driver airbag
  • Front side impact airbag passenger Seat mounted side impact front passenger …
  • Fuel Type Premium Unleaded
  • Fuel door lock Power fuel door lock
  • Full gage cluster screen
  • GPS link transmission GPS linked transmission
  • Gage cluster display size (inches) Gage cluster display size: 12.30
  • Garage door opener
  • Gearshifter material Crafted Clarity glass and metal-look gear shifter mater…
  • Gesture control BMW Gesture Control vehicle feature gesture control
  • Glove box Illuminated locking glove box
  • Grille style Chrome grille with metal-look surround
  • Hands-Free Liftgate
  • Handsfree Bluetooth handsfree wireless device connectivity
  • Head up display Head-up display with augmented reality
  • Head-Up Display
  • Headlight type Projector beam headlights
  • Headlights LED low and high beam headlights
  • Headlights on reminder
  • Headlights-Auto-Leveling
  • Headliner coverage Full headliner coverage
  • Headliner material Alcantara simulated suede headliner material
  • Heated Mirrors
  • Heated Seats
  • Heated Steering Wheel
  • Heated door mirrors Heated driver and passenger side door mirrors
  • Heated front seats Heated driver and front passenger seats
  • Heated rear seats
  • Heated steering wheel
  • Heated wipers Heated front windshield jets
  • Height adjustable seatbelts Rear height adjustable seatbelts
  • High mount stop light High mounted center stop light
  • Hill control Hill descent control
  • Hill start assist
  • Hybrid
  • Hybrid/electric components warranty 96 month/80000 miles
  • Ignition Spark ignition system
  • Illuminated entry
  • Illuminated glove box
  • Illuminated sill plates
  • Immobilizer
  • Instrumentation display Digital instrumentation display
  • Integrated Turn Signal Mirrors
  • Integrated navigation Integrated navigation system with voice activation
  • Interior accents Metal-look interior accents
  • Interior courtesy lights Fade interior courtesy lights
  • Interior lock disable
  • Intermittent Wipers
  • Internal storage GB 20 GB internal storage
  • Internal storage Internal storage capability
  • Internet access Personal eSIM 5G mobile hotspot internet access
  • Internet radio capability
  • Key in vehicle warning
  • Keyfob cargo controls Keyfob trunk control
  • Keyfob door locks BMW Digital Key Plus with UWB keyfob activated door locks
  • Keyless Entry
  • Keyless Start
  • Knee airbag Driver and passenger side knee airbag
  • LED brake lights
  • Laminated window Laminated side window glass
  • Lane Departure Warning
  • Lane Keeping Assist
  • Lane departure Lane Keeping Assistant with side collision avoidance
  • Leather Seats
  • Leather Steering Wheel
  • Left camera Left side camera
  • Limited Slip Center Differential
  • Limited slip differential M Sport Differential electro-mechanical limited sl…
  • Live Cockpit Pro
  • Lock-up transmission
  • Locking hub control Permanent locking hub control
  • Locking/Limited Slip Differential
  • Low level warnings Low level warning for oil, coolant, fuel, washer fluid an…
  • Low tire pressure warning Tire specific low air pressure warning
  • MP3 Player
  • Maintenance warranty 36 month/36,000 miles
  • Memory Seat
  • Memory settings Memory settings include: door mirrors, steering wheel and fr…
  • Mirror Memory
  • Mobile app access My BMW mobile app access
  • Multi-Contour Seats
  • Multi-Zone A/C
  • Multi-mode exhaust
  • Multiple headlights Multiple enclosed headlights
  • Navigation System
  • Number of airbags 8 airbags
  • Number of beverage holders 10 beverage holders
  • Number of door entry light(s) 4 door entry light(s)
  • Number of doors 4 doors
  • Number of first-row screens 2 total number of 1st row displays
  • Number of memory settings 2 memory settings
  • Occupancy sensor Airbag occupancy sensor
  • Oil pressure warning
  • One-touch down window Front and rear one-touch down windows
  • One-touch up window Front and rear one-touch up windows
  • Over the air updates
  • Overdrive transmission
  • Overhead airbags Curtain first and second-row overhead airbags
  • Painted calipers Blue painted front and rear brake calipers
  • Panel insert Genuine wood and metal-look instrument panel insert
  • Parking Assist
  • Parking sensors Parking Assistant Professional front and rear parking sensor…
  • Pass-Through Rear Seat
  • Passenger Air Bag
  • Passenger Illuminated Visor Mirror
  • Passenger Vanity Mirror
  • Passenger doors rear left Conventional left rear passenger door
  • Passenger doors rear right Conventional right rear passenger door
  • Passenger seat direction Front passenger seat with 14-way directional contro…
  • Pedestrian detection City Collision Mitigation pedestrian impact prevention
  • Perimeter approach lighting Welcome Light Carpet remote activated perimeter …
  • Post collision braking system Active Protection automatic post-collision bra…
  • Power Door Locks
  • Power Driver Seat
  • Power Liftgate
  • Power Mirror(s)
  • Power Passenger Seat
  • Power Steering
  • Power Windows
  • Power driver seat controls Driver seat power reclining, lumbar support, cush…
  • Power passenger seat controls Passenger seat power reclining, lumbar support…
  • Powertrain type Hybrid
  • Powertrain warranty 48 month/50,000 miles
  • Premium Sound
  • Premium Sound System
  • Primary display size 14.9 inch primary display
  • Primary display touchscreen Primary monitor touchscreen
  • Privacy Glass
  • RDS Radio data system (RDS)
  • Radiator
  • Radio AM/FM/digital/SiriusXM with 360Lsatellite
  • Rain Sensing Front Wipers
  • Rain Sensing Wipers
  • Rain detecting wipers
  • Real time traffic Real-time traffic
  • Rear A/C
  • Rear Air Conditioning Controls
  • Rear Bucket Seats
  • Rear Cross Traffic Alert
  • Rear Defrost
  • Rear Head Air Bag
  • Rear Parking Aid
  • Rear Spoiler
  • Rear Springs Regular grade rear springs
  • Rear anti-roll Active Roll Stabilization active rear anti-roll
  • Rear camera Rear mounted camera
  • Rear cargo door Power liftgate/tailgate rear cargo door
  • Rear climate control Rear climate control system with separate controls
  • Rear collision warning Cross-Traffic Alert Rear collision warning
  • Rear console climate control ducts
  • Rear head restraint control 2 rear seat head restraints
  • Rear head restraint control Manual rear seat head restraint control
  • Rear head restraints Height and tilt adjustable rear seat head restraints
  • Rear headliner/pillar ducts Rear headliner/pillar climate control ducts
  • Rear reading lights
  • Rear seat direction Front facing rear seat
  • Rear seat upholstery Merino leather rear seat upholstery
  • Rear seatback upholstery Carpet rear seatback upholstery
  • Rear sun blinds Power rear side window sunblinds
  • Rear under seat ducts Rear under seat climate control ducts
  • Rear window defroster
  • Rear windshield Fixed rear windshield
  • Rear windshield wipers Fixed interval rear windshield wipers
  • Rearview mirror Auto-dimming rear view mirror
  • Reclining second-row seats Power reclining second-row seats
  • Regenerative brakes
  • Remote Start
  • Remote Trunk Release
  • Remote panic alarm
  • Remote parking Remote Control Parking remote control parking
  • Right camera Right side camera
  • Roadside warranty 48 month/unlimited
  • Roof rails
  • Running lights LED daytime running lights
  • SAE Autonomy Level 2 - partial automation SAE Autonomy
  • Satellite Radio
  • Satellite trial 12 month satellite trial subscription
  • Seat Memory
  • Seatback storage pockets 2 seatback storage pockets
  • Seatbelt pretensioners Front seatbelt pretensioners
  • Seatbelt pretensioners number 2 seatbelt pre-tensioners
  • Seating capacity 6
  • Second-row seat folding position Fold forward second-row seatback
  • Second-row seats Second-row captains' chairs
  • Second-row seats fixed or removable Fixed second-row seats
  • Second-row windows Power second-row windows
  • Security system Remote Theft Recorder security system
  • Seek scan
  • Selectable mode transmission Driving Experience Control selectable mode tran…
  • Sequential shift control ALPINA SWITCH-TRONIC Sequential shift with steering…
  • Service interval warning BMW TeleServices service interval indicator
  • Shadowline Exterior Trim
  • Shock absorbers Gas-pressurized shock absorbers
  • Shutters Active grille shutters
  • SiriusXM Satellite Radio with 1 Year Subscription
  • Smart Device Integration
  • Smart device integration Apple CarPlay and Android Auto Compatibility smart …
  • Smart device-as-key proximity door locks BMW Digital Key Plus with UWB smart…
  • Spare tire Compact spare tire with steel wheel
  • Spare tire location Spare tire mounted under the cargo floor
  • Speakers Bowers & Wilkins Diamond Surround Sound speakers
  • Speakers number 20 speakers
  • Special paint Monotone paint
  • Speed sensitive steering Servotronic speed sensitive power steering
  • Speed sensitive volume
  • Speed sensitive wipers
  • Split front seats Bucket front seats
  • Spoiler Rear lip spoiler
  • Sport steering wheel
  • Springs front Front air springs
  • Springs rear Rear air springs
  • Stability Control
  • Start-stop engine Auto stop-start engine
  • Steering Electric power-assist steering system
  • Steering Wheel Audio Controls
  • Steering mounted audio control Steering wheel mounted audio controls
  • Steering type Rack-pinion steering
  • Steering type number of wheels Integral Active Steering 4-wheel steering sys…
  • Steering wheel material LAVALINA leather steering wheel
  • Steering wheel telescopic Power telescopic steering wheel
  • Steering wheel tilt Power tilting steering wheel
  • Sunroof / Moonroof
  • Sunroof/Moonroof
  • Suspension Standard ride suspension
  • Suspension auto correcting Active Comfort Drive w/Road Preview predictive ri…
  • Suspension auto correcting Automatic height adjustable suspension with drive…
  • Suspension auto-leveling Auto-leveling 4-corner suspension
  • Suspension control Dynamic Damper Control automatic suspension ride control …
  • Suspension ride type front Independent front suspension
  • Suspension ride type rear Independent rear suspension
  • Suspension type front Double wishbone front suspension
  • Suspension type rear Multi-link rear suspension
  • Tachometer
  • Tailgate control Tailgate/power door lock
  • Tailpipe Stainless steel dual exhaust with chrome tailpipe finisher
  • Telematics
  • Temperature display Exterior temperature display
  • Temporary Spare Tire
  • Third Row Seating
  • Third-row climate control Third-row climate control with separate controls
  • Third-row fold into floor seats Power fold into floor third-row seat
  • Third-row head restraint control Manual third-row head restraint control
  • Third-row head restraint number 2 third-row head restraints
  • Third-row head restraints Height adjustable third-row head restraints
  • Third-row seat facing Front facing third-row seat
  • Third-row seat fixed or removable Fixed third-row seats
  • Third-row seat upholstery Merino leather rear seat upholstery
  • Third-row seatback upholstery Carpet third-row seatback upholstery
  • Third-row seats folding 50-50 folding third-row passenger seat
  • Third-row seats reclining Third-row power reclining seats
  • Third-row windows Fixed third-row windows
  • Tinted windows Deep tinted windows
  • Tire Pressure Monitor
  • Tires - Front Performance
  • Tires - Rear Performance
  • Tires P285/35YR23 summer performance BSW front tires and P325/30YR23 summer …
  • Traction Control
  • Traction battery type Lithium ion (Li-ion)
  • Traction control All-speed ABS and driveline traction control
  • Traffic camera Drive Recorder 360 degree traffic cameras
  • Traffic sign information Speed Limit Info traffic sign recognition
  • Transmission 8-speed automatic
  • Transmission Type Automatic
  • Transmission electronic control
  • Transmission fluid temperature warning Transmission fluid temp warning
  • Transmission oil cooler
  • Transmission w/Dual Shift Mode
  • Trip Computer
  • Trip computer
  • Trip odometer
  • Trunk hatch Trunk/hatch auto-latching
  • Trunk lid trim Plastic trunk lid trim
  • Turbo/Supercharged
  • Turbocharged
  • Turn signal in door mirrors Turn signal indicator in door mirrors
  • USB Port
  • USB ports 6 USB ports
  • Universal Garage Door Opener
  • Unresponsive driver assist Emergency Stop Assistant unresponsive driver assi…
  • V traction battery 48
  • Valet key
  • Variable Speed Intermittent Wipers
  • Variable intake manifold
  • Variable panel light Variable instrument panel light
  • Vehicle and trailer reverse assist Trailer Assist vehicle and trailer revers…
  • Vehicle tracker
  • Ventilated brakes Front and rear ventilated disc brakes
  • Visor driver mirror Driver visor mirror
  • Visor illuminated driver mirror Illuminated driver visor mirror
  • Visor illuminated passenger mirror Illuminated passenger visor mirror
  • Visor passenger mirror Passenger visor mirror
  • Voice activated audio Voice activated audio controls
  • WIFI Hotspot
  • Wheel well trim Body-colored wheel well trim
  • Wheels 23 x 9.5-inch front and 23 x 11-inch rear gray forged aluminum wheels…
  • WiFi Hotspot
  • Window Trim Black side window trim
  • Windshield trim Black windshield trim
  • Wipers Variable intermittent front windshield wipers
  • Wireless Device Charging
  • Wireless device charging Front wireless smart device charging
  • Wireless streaming Enhanced Bluetooth wireless audio streaming
  • Woodgrain Interior Trim
2025 Award Winner

American Made Index

This SUV features on the American-Made Index, which analyzes five factors to find the most American cars.
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Seller’s info

BMW of Bloomfield

(1,973 reviews)
425 Bloomfield Ave, Bloomfield, NJ 07003

Seller’s notes about this car

ALPINA Blue Metallic 2025 BMW X7 ALPINA XB7 AWD 8-Speed Automatic Sport 4.4L V8

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Consumer reviews

See what others are saying about the 2025 BMW X7.
(1 review)
Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0

Most recent consumer reviews

Awesome to drive.

Awesome to drive. Smooth around curves. Barely feel bumps in the road. Most comfortable seats ever had. Solid. Beautiful interior and exterior! Easy to park. Lots of room!

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0
  • Purchased a New car
  • Used for Transporting family
  • Does recommend this car
5 people out of 5 found this review helpful. Did you?
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See all 1 consumer reviews

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*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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