Gardner Financial Services Mortgage Lending & HMDA Data, 2023
In 2023, Gardner Financial Services of San Antonio, TX reported 2,961 mortgage applications totaling $1.1 billion. The average application was for $356,641, and applicants reported an average income of $154,735. 73% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Antonio-New Braunfels, TX (1,149), Dallas-Plano-Irving, TX (238) and Lakeland-Winter Haven, FL (223) (applications in parentheses).
| Mortgage Company & Address | Gardner Financial Services 3503 Paesanos Pkwy San Antonio, TX 78259 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 2,961 |
| Total Mortgage Loan Application Amount | $1,056,015,000 |
| Average Mortgage Loan Application Amount | $356,641 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $154,735 |
| Highest Applicant Income | $5,178,000 |
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records Gardner Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 805 | $ 279,445,000 | $ 347,136 | $ 158,000 |
| Polk, Florida | 223 | $ 56,225,000 | $ 252,130 | $ 92,000 |
| Nueces, Texas | 180 | $ 54,520,000 | $ 302,888 | $ 128,000 |
| Tarrant, Texas | 170 | $ 67,690,000 | $ 398,176 | $ 208,000 |
| Comal, Texas | 128 | $ 61,670,000 | $ 481,796 | $ 174,000 |
| Harris, Texas | 122 | $ 42,920,000 | $ 351,803 | $ 166,000 |
| Dallas, Texas | 109 | $ 44,065,000 | $ 404,266 | $ 165,000 |
| Guadalupe, Texas | 106 | $ 38,730,000 | $ 365,377 | $ 133,000 |
| Travis, Texas | 75 | $ 51,925,000 | $ 692,333 | $ 346,000 |
| Collin, Texas | 66 | $ 24,970,000 | $ 378,333 | $ 139,000 |
| Williamson, Texas | 58 | $ 23,680,000 | $ 408,275 | $ 184,000 |
| Yavapai, Arizona | 51 | $ 18,115,000 | $ 355,196 | $ 104,000 |
| Kendall, Texas | 47 | $ 20,155,000 | $ 428,829 | $ 181,000 |
| Denton, Texas | 41 | $ 16,375,000 | $ 399,390 | $ 137,000 |
| Brazos, Texas | 39 | $ 11,885,000 | $ 304,743 | $ 136,000 |
| San Patricio, Texas | 31 | $ 8,395,000 | $ 270,806 | $ 144,000 |
| Maricopa, Arizona | 26 | $ 9,460,000 | $ 363,846 | $ 102,000 |
| Parker, Texas | 24 | $ 9,090,000 | $ 378,750 | $ 134,000 |
| Montgomery, Texas | 23 | $ 9,495,000 | $ 412,826 | $ 191,000 |
| Hays, Texas | 22 | $ 8,830,000 | $ 401,363 | $ 162,000 |
| Kerr, Texas | 21 | $ 6,745,000 | $ 321,190 | $ 156,000 |
| Wilson, Texas | 21 | $ 7,245,000 | $ 345,000 | $ 130,000 |
| Pasco, Florida | 17 | $ 4,975,000 | $ 292,647 | $ 104,000 |
| Hillsborough, Florida | 16 | $ 4,410,000 | $ 275,625 | $ 101,000 |
| Medina, Texas | 16 | $ 4,850,000 | $ 303,125 | $ 150,000 |
| Johnson, Texas | 15 | $ 5,745,000 | $ 383,000 | $ 161,000 |
| Atascosa, Texas | 14 | $ 4,050,000 | $ 289,285 | $ 112,000 |
| Fort Bend, Texas | 13 | $ 5,365,000 | $ 412,692 | $ 215,000 |
| Bandera, Texas | 12 | $ 4,370,000 | $ 364,166 | $ 127,000 |
| Mohave, Arizona | 11 | $ 2,635,000 | $ 239,545 | $ 122,000 |
| Orange, Florida | 11 | $ 3,105,000 | $ 282,272 | $ 113,000 |
| Oklahoma, Oklahoma | 11 | $ 1,925,000 | $ 175,000 | $ 126,000 |
| Aransas, Texas | 11 | $ 3,805,000 | $ 345,909 | $ 174,000 |
| Val Verde, Texas | 11 | $ 2,375,000 | $ 215,909 | $ 132,000 |
| Hernando, Florida | 10 | $ 3,050,000 | $ 305,000 | $ 103,000 |
| Dorchester, South Carolina | 10 | $ 2,940,000 | $ 294,000 | $ 97,000 |
| Bell, Texas | 10 | $ 3,210,000 | $ 321,000 | $ 127,000 |
| Galveston, Texas | 9 | $ 3,015,000 | $ 335,000 | $ 180,000 |
| Marion, Florida | 8 | $ 1,900,000 | $ 237,500 | $ 119,000 |
| Kaufman, Texas | 8 | $ 2,160,000 | $ 270,000 | $ 95,000 |
| Ellis, Texas | 7 | $ 2,735,000 | $ 390,714 | $ 153,000 |
| Grayson, Texas | 7 | $ 1,875,000 | $ 267,857 | $ 91,000 |
| Hood, Texas | 7 | $ 2,065,000 | $ 295,000 | $ 144,000 |
| Osceola, Florida | 6 | $ 2,000,000 | $ 333,333 | $ 160,000 |
| Burnet, Texas | 6 | $ 2,080,000 | $ 346,666 | $ 138,000 |
| Llano, Texas | 6 | $ 2,430,000 | $ 405,000 | $ 243,000 |
| Citrus, Florida | 5 | $ 1,085,000 | $ 217,000 | $ 77,000 |
| Lake, Florida | 5 | $ 1,915,000 | $ 383,000 | $ 105,000 |
| Seminole, Florida | 5 | $ 1,355,000 | $ 271,000 | $ 112,000 |
| Bernalillo, New Mexico | 5 | $ 1,735,000 | $ 347,000 | $ 127,000 |
| Charleston, South Carolina | 5 | $ 1,375,000 | $ 275,000 | $ 68,000 |
| Montgomery, Tennessee | 5 | $ 1,125,000 | $ 225,000 | $ 81,000 |
| Robertson, Tennessee | 5 | $ 1,305,000 | $ 261,000 | $ 126,000 |
| Bastrop, Texas | 5 | $ 1,765,000 | $ 353,000 | $ 138,000 |
| Brazoria, Texas | 5 | $ 1,675,000 | $ 335,000 | $ 308,000 |
| Kleberg, Texas | 5 | $ 895,000 | $ 179,000 | $ 71,000 |
| Lubbock, Texas | 5 | $ 1,705,000 | $ 341,000 | $ 229,000 |
| McLennan, Texas | 5 | $ 1,395,000 | $ 279,000 | $ 146,000 |
| Volusia, Florida | 4 | $ 1,180,000 | $ 295,000 | $ 92,000 |
| Walton, Florida | 4 | $ 2,080,000 | $ 520,000 | $ 290,000 |
| Wake, North Carolina | 4 | $ 3,380,000 | $ 845,000 | $ 381,000 |
| Berkeley, South Carolina | 4 | $ 1,140,000 | $ 285,000 | $ 124,000 |
| Hidalgo, Texas | 4 | $ 1,150,000 | $ 287,500 | $ 174,000 |
| Jim Wells, Texas | 4 | $ 1,030,000 | $ 257,500 | $ 134,000 |
| Rockwall, Texas | 4 | $ 2,360,000 | $ 590,000 | $ 530,000 |
| Victoria, Texas | 4 | $ 920,000 | $ 230,000 | $ 76,000 |
| Waller, Texas | 4 | $ 1,900,000 | $ 475,000 | $ 235,000 |
| Wise, Texas | 4 | $ 780,000 | $ 195,000 | $ 70,000 |
| Salt Lake, Utah | 4 | $ 1,620,000 | $ 405,000 | $ 253,000 |
| Mesa, Colorado | 3 | $ 615,000 | $ 205,000 | $ 67,000 |
| Bay, Florida | 3 | $ 795,000 | $ 265,000 | $ 81,000 |
| Brevard, Florida | 3 | $ 905,000 | $ 301,666 | $ 116,000 |
| Highlands, Florida | 3 | $ 735,000 | $ 245,000 | $ 115,000 |
| Sarasota, Florida | 3 | $ 515,000 | $ 171,666 | $ 70,000 |
| Canadian, Oklahoma | 3 | $ 685,000 | $ 228,333 | $ 110,000 |
| Cleveland, Oklahoma | 3 | $ 795,000 | $ 265,000 | $ 97,000 |
| Grady, Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 58,000 |
| Rutherford, Tennessee | 3 | $ 485,000 | $ 161,666 | $ 92,000 |
| Sumner, Tennessee | 3 | $ 1,255,000 | $ 418,333 | $ 175,000 |
| Bee, Texas | 3 | $ 955,000 | $ 318,333 | $ 105,000 |
| Cameron, Texas | 3 | $ 475,000 | $ 158,333 | $ 91,000 |
| Hunt, Texas | 3 | $ 875,000 | $ 291,666 | $ 183,000 |
| Lampasas, Texas | 3 | $ 545,000 | $ 181,666 | $ 117,000 |
| Refugio, Texas | 3 | $ 655,000 | $ 218,333 | $ 117,000 |
| Washington, Texas | 3 | $ 2,105,000 | $ 701,666 | $ 252,000 |
| Eagle, Colorado | 2 | $ 1,580,000 | $ 790,000 | $ 343,000 |
| El Paso, Colorado | 2 | $ 1,120,000 | $ 560,000 | $ 149,000 |
| Hardee, Florida | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Manatee, Florida | 2 | $ 330,000 | $ 165,000 | $ 72,000 |
| Bulloch, Georgia | 2 | $ 700,000 | $ 350,000 | $ 138,000 |
| DeKalb, Georgia | 2 | $ 380,000 | $ 190,000 | $ 76,000 |
| Laurens, Georgia | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| Hinds, Mississippi | 2 | $ 580,000 | $ 290,000 | $ 111,000 |
| Sandoval, New Mexico | 2 | $ 500,000 | $ 250,000 | $ 107,000 |
| Santa Fe, New Mexico | 2 | $ 1,050,000 | $ 525,000 | $ 165,000 |
| Caldwell, North Carolina | 2 | $ 1,690,000 | $ 845,000 | $ 212,000 |
| Georgetown, South Carolina | 2 | $ 480,000 | $ 240,000 | $ 65,000 |
| Bedford, Tennessee | 2 | $ 290,000 | $ 145,000 | $ 87,000 |
| Davidson, Tennessee | 2 | $ 680,000 | $ 340,000 | $ 94,000 |
| Jackson, Tennessee | 2 | $ 370,000 | $ 185,000 | $ 76,000 |
| Lincoln, Tennessee | 2 | $ 410,000 | $ 205,000 | $ 72,000 |
| Wilson, Tennessee | 2 | $ 520,000 | $ 260,000 | $ 64,000 |
| Blanco, Texas | 2 | $ 1,030,000 | $ 515,000 | $ 159,000 |
| Burleson, Texas | 2 | $ 540,000 | $ 270,000 | $ 112,000 |
| Fayette, Texas | 2 | $ 850,000 | $ 425,000 | $ 287,000 |
| Grimes, Texas | 2 | $ 790,000 | $ 395,000 | $ 151,000 |
| Rusk, Texas | 2 | $ 750,000 | $ 375,000 | $ 218,000 |
| Smith, Texas | 2 | $ 820,000 | $ 410,000 | $ 158,000 |
| Wichita, Texas | 2 | $ 350,000 | $ 175,000 | $ 109,000 |
| Davis, Utah | 2 | $ 760,000 | $ 380,000 | $ 73,000 |
| King, Washington | 2 | $ 1,270,000 | $ 635,000 | $ 248,000 |
| Coffee, Alabama | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Pinal, Arizona | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Arkansas, Arkansas | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Crawford, Arkansas | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Clear Creek, Colorado | 1 | $ 725,000 | $ 725,000 | $ 473,000 |
| Denver, Colorado | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Larimer, Colorado | 1 | $ 475,000 | $ 475,000 | $ 115,000 |
| Weld, Colorado | 1 | $ 435,000 | $ 435,000 | $ 118,000 |
| Charlotte, Florida | 1 | $ 335,000 | $ 335,000 | $ 100,000 |
| Palm Beach, Florida | 1 | $ 405,000 | $ 405,000 | $ 74,000 |
| Pinellas, Florida | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Santa Rosa, Florida | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Chatham, Georgia | 1 | $ 305,000 | $ 305,000 | $ 148,000 |
| Cook, Georgia | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Dooly, Georgia | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Jones, Georgia | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Muscogee, Georgia | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Rockdale, Georgia | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Spalding, Georgia | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Johnson, Kansas | 1 | $ 725,000 | $ 725,000 | $ 258,000 |
| Pottawatomie, Kansas | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Andrew, Missouri | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Caldwell, Missouri | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Clark, Nevada | 1 | $ 95,000 | $ 95,000 | $ 158,000 |
| Lincoln, New Mexico | 1 | $ 285,000 | $ 285,000 | $ 305,000 |
| Iredell, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| Mecklenburg, North Carolina | 1 | $ 465,000 | $ 465,000 | $ 180,000 |
| Onslow, North Carolina | 1 | $ 335,000 | $ 335,000 | $ 172,000 |
| Watauga, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Geauga, Ohio | 1 | $ 465,000 | $ 465,000 | $ 156,000 |
| Greene, Ohio | 1 | $ 305,000 | $ 305,000 | $ 184,000 |
| Mahoning, Ohio | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Trumbull, Ohio | 1 | $ 485,000 | $ 485,000 | $ 156,000 |
| McClain, Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 256,000 |
| Pushmataha, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Colleton, South Carolina | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| Horry, South Carolina | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| Lexington, South Carolina | 1 | $ 425,000 | $ 425,000 | $ 125,000 |
| Oconee, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| Orangeburg, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Cheatham, Tennessee | 1 | $ 525,000 | $ 525,000 | $ 313,000 |
| Franklin, Tennessee | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Hamilton, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Hickman, Tennessee | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Overton, Tennessee | 1 | $ 545,000 | $ 545,000 | $ 450,000 |
| Shelby, Tennessee | 1 | $ 355,000 | $ 355,000 | $ 175,000 |
| Sullivan, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Anderson, Texas | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Angelina, Texas | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| Austin, Texas | 1 | $ 255,000 | $ 255,000 | $ 147,000 |
| Bowie, Texas | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| Calhoun, Texas | 1 | $ 185,000 | $ 185,000 | $ 247,000 |
| Callahan, Texas | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Comanche, Texas | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Cooke, Texas | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Dimmit, Texas | 1 | $ 305,000 | $ 305,000 | $ 108,000 |
| Erath, Texas | 1 | $ 565,000 | $ 565,000 | $ 899,000 |
| Frio, Texas | 1 | $ 505,000 | $ 505,000 | $ 703,000 |
| Gillespie, Texas | 1 | $ 295,000 | $ 295,000 | $ 364,000 |
| Hartley, Texas | 1 | $ 315,000 | $ 315,000 | $ 151,000 |
| Henderson, Texas | 1 | $ 235,000 | $ 235,000 | $ 248,000 |
| Houston, Texas | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Kimble, Texas | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Live Oak, Texas | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Matagorda, Texas | 1 | $ 425,000 | $ 425,000 | $ 190,000 |
| Midland, Texas | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Montague, Texas | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Nacogdoches, Texas | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Nolan, Texas | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Palo Pinto, Texas | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Panola, Texas | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Polk, Texas | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Runnels, Texas | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| San Saba, Texas | 1 | $ 245,000 | $ 245,000 | $ 280,000 |
| Tom Green, Texas | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
| Uvalde, Texas | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Walker, Texas | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Webb, Texas | 1 | $ 395,000 | $ 395,000 | $ 116,000 |
| Wharton, Texas | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Utah, Utah | 1 | $ 755,000 | $ 755,000 | $ 236,000 |
| Washington, Utah | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services in 2023
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 | 2,743 | $965,965,000 | $352,000 | $6,005,000 | $150,000 | $5,178,000 |
| Refinancing | 110 | $61,450,000 | $558,000 | $4,005,000 | $223,000 | $1,148,000 |
| Cash-out Refinancing | 88 | $23,040,000 | $261,000 | $965,000 | $161,000 | $725,000 |
| Home Improvement | 14 | $3,060,000 | $218,000 | $505,000 | $487,000 | $2,935,000 |
| Other Purpose | 6 | $2,500,000 | $416,000 | $725,000 | $201,000 | $391,000 |
| Not Applicable | 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 | 1,459 | $536,105,000 | $367,000 | $6,005,000 | $164,000 | $3,382,000 |
| Hispanic | 702 | $218,320,000 | $310,000 | $1,165,000 | $129,000 | $5,178,000 |
| Not Provided | 523 | $205,705,000 | $393,000 | $1,905,000 | $168,000 | $2,658,000 |
| Black or African American | 139 | $45,245,000 | $325,000 | $955,000 | $119,000 | $408,000 |
| Asian | 115 | $43,515,000 | $378,000 | $1,335,000 | $164,000 | $1,021,000 |
| American Indian or Alaskan Native | 16 | $5,310,000 | $331,000 | $595,000 | $176,000 | $322,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,810,000 | $301,000 | $395,000 | $119,000 | $228,000 |
| Not applicable | 1 | $5,000 | $5,000 | $5,000 | $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) | 1,834 | $673,470,000 | $367,000 | $6,005,000 | $179,000 | $5,178,000 |
| FHA-insured (Federal Housing Administration) | 736 | $209,620,000 | $284,000 | $635,000 | $100,000 | $628,000 |
| VA-guaranteed (Veterans Administration) | 384 | $171,450,000 | $446,000 | $1,465,000 | $143,000 | $629,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $1,475,000 | $210,000 | $285,000 | $72,000 | $86,000 |
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 | 2,150 | $762,000,000 | $354,000 | $6,005,000 | $153,000 | $5,178,000 |
| Application Withdrawn By Applicant | 711 | $262,165,000 | $368,000 | $5,205,000 | $162,000 | $2,940,000 |
| File Closed For Incompleteness | 48 | $15,920,000 | $331,000 | $1,475,000 | $122,000 | $525,000 |
| Application Denied By Financial Institution | 36 | $10,340,000 | $287,000 | $965,000 | $112,000 | $411,000 |
| Application Approved But Not Accepted | 15 | $5,585,000 | $372,000 | $915,000 | $181,000 | $511,000 |
| Loan Purchased By The Institution | 1 | $5,000 | $5,000 | $5,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,925 | $1,045,675,000 | $357,000 | $6,005,000 | $155,000 | $5,178,000 |
| Other | 16 | $5,730,000 | $358,000 | $965,000 | $148,000 | $411,000 |
| Collateral | 8 | $1,680,000 | $210,000 | $425,000 | $94,000 | $170,000 |
| Debt-To-Income Ratio | 6 | $1,570,000 | $261,000 | $405,000 | $110,000 | $203,000 |
| Employment History | 4 | $890,000 | $222,000 | $385,000 | $36,000 | $77,000 |
| Unverifiable Information | 2 | $470,000 | $235,000 | $245,000 | $60,000 | $63,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2023 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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