Gardner Financial Services Mortgage Lending & HMDA Data, 2010
In 2010, Gardner Financial Services of San Antonio, TX reported 1,986 mortgage applications totaling $388.4 million, up 1% from 2009. The average application was for $195,561, and applicants reported an average income of $94,260. 88% of its applications resulted in an originated loan and 3% were denied. Its largest markets were San Antonio-New Braunfels, TX (1,867), Austin-Round Rock-San Marcos, TX (40) and Houston-Sugar Land-Baytown, TX (27) (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 | 1,986 |
| Total Mortgage Loan Application Amount | $388,385,000 |
| Average Mortgage Loan Application Amount | $195,561 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $94,260 |
| Highest Applicant Income | $2,598,000 |
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records Gardner Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,464 | $ 277,257,000 | $ 189,383 | $ 93,000 |
| Guadalupe, Texas | 155 | $ 25,524,000 | $ 164,670 | $ 71,000 |
| Comal, Texas | 131 | $ 31,601,000 | $ 241,229 | $ 110,000 |
| Kendall, Texas | 48 | $ 12,105,000 | $ 252,187 | $ 100,000 |
| Wilson, Texas | 30 | $ 7,047,000 | $ 234,900 | $ 83,000 |
| Travis, Texas | 22 | $ 4,593,000 | $ 208,772 | $ 90,000 |
| Atascosa, Texas | 19 | $ 2,802,000 | $ 147,473 | $ 83,000 |
| Medina, Texas | 16 | $ 4,441,000 | $ 277,562 | $ 117,000 |
| Harris, Texas | 15 | $ 5,442,000 | $ 362,800 | $ 288,000 |
| Williamson, Texas | 10 | $ 1,953,000 | $ 195,300 | $ 81,000 |
| Hays, Texas | 8 | $ 1,274,000 | $ 159,250 | $ 65,000 |
| Fort Bend, Texas | 6 | $ 973,000 | $ 162,166 | $ 94,000 |
| Aransas, Texas | 5 | $ 1,289,000 | $ 257,800 | $ 292,000 |
| Tarrant, Texas | 5 | $ 931,000 | $ 186,200 | $ 79,000 |
| Bandera, Texas | 4 | $ 662,000 | $ 165,500 | $ 63,000 |
| Dallas, Texas | 4 | $ 1,040,000 | $ 260,000 | $ 106,000 |
| Brazoria, Texas | 3 | $ 443,000 | $ 147,666 | $ 79,000 |
| Collin, Texas | 3 | $ 702,000 | $ 234,000 | $ 90,000 |
| Denton, Texas | 3 | $ 756,000 | $ 252,000 | $ 108,000 |
| Hidalgo, Texas | 3 | $ 635,000 | $ 211,666 | $ 127,000 |
| Kerr, Texas | 3 | $ 740,000 | $ 246,666 | $ 98,000 |
| Nueces, Texas | 3 | $ 401,000 | $ 133,666 | $ 49,000 |
| Webb, Texas | 3 | $ 568,000 | $ 189,333 | $ 62,000 |
| Cameron, Texas | 2 | $ 530,000 | $ 265,000 | $ 353,000 |
| Montgomery, Texas | 2 | $ 515,000 | $ 257,500 | $ 145,000 |
| Blanco, Texas | 1 | $ 278,000 | $ 278,000 | $ 130,000 |
| Brazos, Texas | 1 | $ 76,000 | $ 76,000 | $ 122,000 |
| Brooks, Texas | 1 | $ 73,000 | $ 73,000 | $ 59,000 |
| Burnet, Texas | 1 | $ 353,000 | $ 353,000 | $ 315,000 |
| Coleman, Texas | 1 | $ 166,000 | $ 166,000 | $ 66,000 |
| Coryell, Texas | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Duval, Texas | 1 | $ 112,000 | $ 112,000 | $ 64,000 |
| El Paso, Texas | 1 | $ 180,000 | $ 180,000 | $ 117,000 |
| Ellis, Texas | 1 | $ 584,000 | $ 584,000 | $ 210,000 |
| Galveston, Texas | 1 | $ 130,000 | $ 130,000 | $ 47,000 |
| Hood, Texas | 1 | $ 405,000 | $ 405,000 | $ 145,000 |
| Karnes, Texas | 1 | $ 192,000 | $ 192,000 | $ 81,000 |
| Kinney, Texas | 1 | $ 83,000 | $ 83,000 | $ 44,000 |
| Lubbock, Texas | 1 | $ 79,000 | $ 79,000 | $ 73,000 |
| McLennan, Texas | 1 | $ 289,000 | $ 289,000 | $ 101,000 |
| Starr, Texas | 1 | $ 196,000 | $ 196,000 | $ 90,000 |
| Taylor, Texas | 1 | $ 570,000 | $ 570,000 | $ 157,000 |
| Val Verde, Texas | 1 | $ 196,000 | $ 196,000 | $ 250,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services in 2010
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 | 1,546 | $284,093,000 | $183,000 | $864,000 | $85,000 | $938,000 |
| Refinancing | 439 | $104,214,000 | $237,000 | $2,000,000 | $127,000 | $2,598,000 |
| Home Improvement | 1 | $78,000 | $78,000 | $78,000 | $39,000 | $39,000 |
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 | 1,246 | $255,002,000 | $204,000 | $2,000,000 | $100,000 | $2,598,000 |
| Hispanic | 559 | $93,780,000 | $167,000 | $895,000 | $79,000 | $1,715,000 |
| Not Provided | 77 | $17,612,000 | $228,000 | $725,000 | $134,000 | $894,000 |
| Black or African American | 76 | $16,163,000 | $212,000 | $712,000 | $80,000 | $290,000 |
| Asian | 20 | $4,099,000 | $204,000 | $427,000 | $81,000 | $204,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,424,000 | $237,000 | $417,000 | $79,000 | $136,000 |
| American Indian or Alaskan Native | 2 | $305,000 | $152,000 | $169,000 | $43,000 | $44,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 890 | $141,002,000 | $158,000 | $345,000 | $68,000 | $528,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 730 | $165,335,000 | $226,000 | $2,000,000 | $132,000 | $2,598,000 |
| VA-guaranteed (Veterans Administration) | 355 | $80,491,000 | $226,000 | $1,079,000 | $84,000 | $550,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,557,000 | $141,000 | $189,000 | $51,000 | $75,000 |
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 | 1,743 | $334,028,000 | $191,000 | $1,079,000 | $91,000 | $1,715,000 |
| Application Approved But Not Accepted | 133 | $26,813,000 | $201,000 | $1,446,000 | $104,000 | $830,000 |
| Application Denied By Financial Institution | 60 | $15,525,000 | $258,000 | $2,000,000 | $141,000 | $2,598,000 |
| Application Withdrawn By Applicant | 50 | $12,019,000 | $240,000 | $975,000 | $125,000 | $522,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 18 | $5,982,000 | $332,000 | $2,000,000 | $244,000 | $2,598,000 |
| Debt-To-Income Ratio | 17 | $4,278,000 | $251,000 | $417,000 | $100,000 | $392,000 |
| Credit History | 9 | $1,569,000 | $174,000 | $246,000 | $125,000 | $528,000 |
| Other | 5 | $1,410,000 | $282,000 | $732,000 | $77,000 | $248,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $721,000 | $240,000 | $368,000 | $87,000 | $125,000 |
| Unverifiable Information | 2 | $208,000 | $104,000 | $108,000 | $58,000 | $100,000 |
| Employment History | 1 | $214,000 | $214,000 | $214,000 | $57,000 | $57,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gardner Financial Services's 2010 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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