Gardner Financial Services Mortgage Lending & HMDA Data, 2012
In 2012, Gardner Financial Services of San Antonio, TX reported 4,338 mortgage applications totaling $886.1 million, up 63% from 2011. The average application was for $204,254, and applicants reported an average income of $101,448. 76% of its applications resulted in an originated loan and 4% were denied. Its largest markets were San Antonio-New Braunfels, TX (3,204), Fort Worth-Arlington, TX (449) and Houston-Sugar Land-Baytown, TX (213) (applications in parentheses).
| Mortgage Company & Address | Gardner Financial Services 1635 Ne Loop 410, Suite 700 San Antonio, TX 78209 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 4,338 |
| Total Mortgage Loan Application Amount | $886,058,000 |
| Average Mortgage Loan Application Amount | $204,254 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $101,448 |
| Highest Applicant Income | $2,811,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gardner Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar, Texas | 2,344 | $ 476,735,000 | $ 203,385 | $ 99,000 |
| Tarrant, Texas | 393 | $ 75,498,000 | $ 192,106 | $ 113,000 |
| Comal, Texas | 322 | $ 80,595,000 | $ 250,295 | $ 114,000 |
| Guadalupe, Texas | 284 | $ 52,642,000 | $ 185,359 | $ 77,000 |
| Denton, Texas | 148 | $ 25,931,000 | $ 175,209 | $ 93,000 |
| Harris, Texas | 147 | $ 33,292,000 | $ 226,476 | $ 123,000 |
| Kendall, Texas | 125 | $ 30,225,000 | $ 241,800 | $ 128,000 |
| Webb, Texas | 94 | $ 16,690,000 | $ 177,553 | $ 67,000 |
| Wilson, Texas | 64 | $ 14,712,000 | $ 229,875 | $ 93,000 |
| Atascosa, Texas | 35 | $ 4,956,000 | $ 141,600 | $ 75,000 |
| Fort Bend, Texas | 29 | $ 6,904,000 | $ 238,068 | $ 129,000 |
| Dallas, Texas | 27 | $ 5,910,000 | $ 218,888 | $ 117,000 |
| Parker, Texas | 27 | $ 6,028,000 | $ 223,259 | $ 139,000 |
| Williamson, Texas | 26 | $ 5,748,000 | $ 221,076 | $ 90,000 |
| Johnson, Texas | 25 | $ 3,301,000 | $ 132,040 | $ 83,000 |
| Travis, Texas | 24 | $ 5,325,000 | $ 221,875 | $ 121,000 |
| Collin, Texas | 22 | $ 4,556,000 | $ 207,090 | $ 99,000 |
| Medina, Texas | 19 | $ 4,848,000 | $ 255,157 | $ 100,000 |
| Cooke, Texas | 16 | $ 1,821,000 | $ 113,812 | $ 129,000 |
| Hays, Texas | 14 | $ 1,992,000 | $ 142,285 | $ 78,000 |
| Galveston, Texas | 13 | $ 3,107,000 | $ 239,000 | $ 121,000 |
| Montgomery, Texas | 12 | $ 2,771,000 | $ 230,916 | $ 120,000 |
| Bandera, Texas | 11 | $ 2,355,000 | $ 214,090 | $ 77,000 |
| Hood, Texas | 11 | $ 1,705,000 | $ 155,000 | $ 78,000 |
| Kerr, Texas | 11 | $ 1,845,000 | $ 167,727 | $ 80,000 |
| Nueces, Texas | 10 | $ 1,359,000 | $ 135,900 | $ 89,000 |
| Brazoria, Texas | 8 | $ 1,393,000 | $ 174,125 | $ 93,000 |
| Ellis, Texas | 8 | $ 1,584,000 | $ 198,000 | $ 98,000 |
| Gillespie, Texas | 5 | $ 933,000 | $ 186,600 | $ 173,000 |
| Lubbock, Texas | 5 | $ 670,000 | $ 134,000 | $ 98,000 |
| McLennan, Texas | 4 | $ 733,000 | $ 183,250 | $ 73,000 |
| Wise, Texas | 4 | $ 969,000 | $ 242,250 | $ 104,000 |
| Bell, Texas | 3 | $ 486,000 | $ 162,000 | $ 67,000 |
| Hidalgo, Texas | 3 | $ 492,000 | $ 164,000 | $ 168,000 |
| Llano, Texas | 3 | $ 1,003,000 | $ 334,333 | $ 164,000 |
| Midland, Texas | 3 | $ 899,000 | $ 299,666 | $ 115,000 |
| Austin, Texas | 2 | $ 502,000 | $ 251,000 | $ 169,000 |
| Blanco, Texas | 2 | $ 393,000 | $ 196,500 | $ 87,000 |
| Brown, Texas | 2 | $ 216,000 | $ 108,000 | $ 32,000 |
| Coryell, Texas | 2 | $ 284,000 | $ 142,000 | $ 70,000 |
| Fayette, Texas | 2 | $ 354,000 | $ 177,000 | $ 76,000 |
| Grayson, Texas | 2 | $ 313,000 | $ 156,500 | $ 64,000 |
| Jack, Texas | 2 | $ 274,000 | $ 137,000 | $ 69,000 |
| Kaufman, Texas | 2 | $ 197,000 | $ 98,500 | $ 51,000 |
| San Jacinto, Texas | 2 | $ 282,000 | $ 141,000 | $ 289,000 |
| Taylor, Texas | 2 | $ 136,000 | $ 68,000 | $ 45,000 |
| Uvalde, Texas | 2 | $ 479,000 | $ 239,500 | $ 76,000 |
| Aransas, Texas | 1 | $ 73,000 | $ 73,000 | $ 61,000 |
| Brazos, Texas | 1 | $ 120,000 | $ 120,000 | $ 153,000 |
| Caldwell, Texas | 1 | $ 117,000 | $ 117,000 | $ 79,000 |
| Cameron, Texas | 1 | $ 200,000 | $ 200,000 | $ 110,000 |
| El Paso, Texas | 1 | $ 216,000 | $ 216,000 | $ 212,000 |
| Frio, Texas | 1 | $ 161,000 | $ 161,000 | $ 49,000 |
| Grimes, Texas | 1 | $ 146,000 | $ 146,000 | $ 96,000 |
| Hunt, Texas | 1 | $ 348,000 | $ 348,000 | $ 150,000 |
| Irion, Texas | 1 | $ 138,000 | $ 138,000 | $ 84,000 |
| Jasper, Texas | 1 | $ 137,000 | $ 137,000 | $ 45,000 |
| Jefferson, Texas | 1 | $ 200,000 | $ 200,000 | $ 451,000 |
| Maverick, Texas | 1 | $ 65,000 | $ 65,000 | $ 123,000 |
| Palo Pinto, Texas | 1 | $ 329,000 | $ 329,000 | $ 177,000 |
| San Patricio, Texas | 1 | $ 138,000 | $ 138,000 | $ 64,000 |
| Tom Green, Texas | 1 | $ 77,000 | $ 77,000 | $ 606,000 |
| Val Verde, Texas | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Wharton, Texas | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 3,499 | $689,443,000 | $197,000 | $1,280,000 | $97,000 | $2,811,000 |
| Refinancing | 839 | $196,615,000 | $234,000 | $2,400,000 | $120,000 | $1,116,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 2,979 | $624,721,000 | $209,000 | $1,100,000 | $107,000 | $2,811,000 |
| Hispanic | 963 | $173,609,000 | $180,000 | $2,400,000 | $81,000 | $718,000 |
| Not Provided | 151 | $37,030,000 | $245,000 | $1,280,000 | $148,000 | $1,116,000 |
| Black or African American | 150 | $31,155,000 | $207,000 | $511,000 | $88,000 | $276,000 |
| Asian | 73 | $14,835,000 | $203,000 | $419,000 | $97,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $2,347,000 | $195,000 | $342,000 | $99,000 | $354,000 |
| American Indian or Alaskan Native | 10 | $2,361,000 | $236,000 | $417,000 | $76,000 | $174,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,061 | $461,974,000 | $224,000 | $2,400,000 | $129,000 | $2,811,000 |
| FHA-insured (Federal Housing Administration) | 1,326 | $210,033,000 | $158,000 | $338,000 | $73,000 | $964,000 |
| VA-guaranteed (Veterans Administration) | 873 | $201,363,000 | $230,000 | $810,000 | $83,000 | $606,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 78 | $12,688,000 | $162,000 | $356,000 | $55,000 | $200,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,283 | $667,634,000 | $203,000 | $1,176,000 | $99,000 | $2,811,000 |
| Application Approved But Not Accepted | 492 | $97,882,000 | $198,000 | $2,400,000 | $102,000 | $800,000 |
| Application Withdrawn By Applicant | 362 | $76,497,000 | $211,000 | $1,100,000 | $120,000 | $1,116,000 |
| Application Denied By Financial Institution | 162 | $34,709,000 | $214,000 | $1,280,000 | $99,000 | $696,000 |
| File Closed For Incompleteness | 39 | $9,336,000 | $239,000 | $757,000 | $148,000 | $451,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 47 | $10,247,000 | $218,000 | $732,000 | $73,000 | $311,000 |
| Collateral | 41 | $7,956,000 | $194,000 | $624,000 | $121,000 | $696,000 |
| Credit History | 22 | $5,260,000 | $239,000 | $1,280,000 | $138,000 | $606,000 |
| Unverifiable Information | 19 | $3,886,000 | $204,000 | $810,000 | $77,000 | $248,000 |
| Other | 17 | $3,714,000 | $218,000 | $844,000 | $89,000 | $432,000 |
| Employment History | 11 | $1,982,000 | $180,000 | $295,000 | $78,000 | $215,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,355,000 | $338,000 | $640,000 | $133,000 | $230,000 |
| Credit Application Incomplete | 1 | $309,000 | $309,000 | $309,000 | $307,000 | $307,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gardner Financial Services's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Gardner Financial Services's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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