Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Gardner Financial Services, Ltd. 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Gardner Financial Services, Ltd. 3503 Paesanos Pkwy San Antonio, TX 78231 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 |
| Total Number of Mortgage Applications | 2,961 |
| Total Mortgage Loan Application Amount | $1,056,015,000 |
| Average Mortgage Loan Application Amount | $361,000 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $244,400 |
| Highest Applicant Income | $5,178,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Gardner Financial Services, Ltd.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Gardner Financial Services, Ltd.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Gardner Financial Services, Ltd.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Gardner Financial Services, Ltd. serves its applicants.
Each category highlights the total number of mortgage applications processed by Gardner Financial Services, Ltd., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Gardner Financial Services, Ltd.'s mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bexar County Texas | 805 | $ 279,445,000 | $ 347,000 | $ 158,000 |
| Polk County Florida | 223 | $ 56,225,000 | $ 252,000 | $ 92,000 |
| Nueces County Texas | 180 | $ 54,520,000 | $ 302,000 | $ 128,000 |
| Tarrant County Texas | 170 | $ 67,690,000 | $ 398,000 | $ 208,000 |
| Comal County Texas | 128 | $ 61,670,000 | $ 481,000 | $ 174,000 |
| Harris County Texas | 122 | $ 42,920,000 | $ 351,000 | $ 166,000 |
| Dallas County Texas | 109 | $ 44,065,000 | $ 404,000 | $ 165,000 |
| Guadalupe County Texas | 106 | $ 38,730,000 | $ 365,000 | $ 133,000 |
| Travis County Texas | 75 | $ 51,925,000 | $ 692,000 | $ 346,000 |
| Collin County Texas | 66 | $ 24,970,000 | $ 378,000 | $ 139,000 |
| Williamson County Texas | 58 | $ 23,680,000 | $ 408,000 | $ 184,000 |
| Yavapai County Arizona | 51 | $ 18,115,000 | $ 355,000 | $ 104,000 |
| Kendall County Texas | 47 | $ 20,155,000 | $ 428,000 | $ 181,000 |
| Denton County Texas | 41 | $ 16,375,000 | $ 399,000 | $ 137,000 |
| Brazos County Texas | 39 | $ 11,885,000 | $ 304,000 | $ 136,000 |
| San Patricio County Texas | 31 | $ 8,395,000 | $ 270,000 | $ 144,000 |
| Maricopa County Arizona | 26 | $ 9,460,000 | $ 363,000 | $ 102,000 |
| Parker County Texas | 24 | $ 9,090,000 | $ 378,000 | $ 134,000 |
| Montgomery County Texas | 23 | $ 9,495,000 | $ 412,000 | $ 191,000 |
| Hays County Texas | 22 | $ 8,830,000 | $ 401,000 | $ 162,000 |
| Kerr County Texas | 21 | $ 6,745,000 | $ 321,000 | $ 156,000 |
| Wilson County Texas | 21 | $ 7,245,000 | $ 345,000 | $ 130,000 |
| Pasco County Florida | 17 | $ 4,975,000 | $ 292,000 | $ 104,000 |
| Hillsborough County Florida | 16 | $ 4,410,000 | $ 275,000 | $ 101,000 |
| Medina County Texas | 16 | $ 4,850,000 | $ 303,000 | $ 150,000 |
| Johnson County Texas | 15 | $ 5,745,000 | $ 383,000 | $ 161,000 |
| Atascosa County Texas | 14 | $ 4,050,000 | $ 289,000 | $ 112,000 |
| Fort Bend County Texas | 13 | $ 5,365,000 | $ 412,000 | $ 215,000 |
| Bandera County Texas | 12 | $ 4,370,000 | $ 364,000 | $ 127,000 |
| Mohave County Arizona | 11 | $ 2,635,000 | $ 239,000 | $ 122,000 |
| Orange County Florida | 11 | $ 3,105,000 | $ 282,000 | $ 113,000 |
| Oklahoma County Oklahoma | 11 | $ 1,925,000 | $ 175,000 | $ 126,000 |
| Aransas County Texas | 11 | $ 3,805,000 | $ 345,000 | $ 174,000 |
| Val Verde County Texas | 11 | $ 2,375,000 | $ 215,000 | $ 132,000 |
| Hernando County Florida | 10 | $ 3,050,000 | $ 305,000 | $ 103,000 |
| Dorchester County South Carolina | 10 | $ 2,940,000 | $ 294,000 | $ 97,000 |
| Bell County Texas | 10 | $ 3,210,000 | $ 321,000 | $ 127,000 |
| Galveston County Texas | 9 | $ 3,015,000 | $ 335,000 | $ 180,000 |
| Marion County Florida | 8 | $ 1,900,000 | $ 237,000 | $ 119,000 |
| Kaufman County Texas | 8 | $ 2,160,000 | $ 270,000 | $ 95,000 |
| Ellis County Texas | 7 | $ 2,735,000 | $ 390,000 | $ 153,000 |
| Grayson County Texas | 7 | $ 1,875,000 | $ 267,000 | $ 91,000 |
| Hood County Texas | 7 | $ 2,065,000 | $ 295,000 | $ 144,000 |
| Osceola County Florida | 6 | $ 2,000,000 | $ 333,000 | $ 160,000 |
| Burnet County Texas | 6 | $ 2,080,000 | $ 346,000 | $ 138,000 |
| Llano County Texas | 6 | $ 2,430,000 | $ 405,000 | $ 243,000 |
| Citrus County Florida | 5 | $ 1,085,000 | $ 217,000 | $ 77,000 |
| Lake County Florida | 5 | $ 1,915,000 | $ 383,000 | $ 105,000 |
| Seminole County Florida | 5 | $ 1,355,000 | $ 271,000 | $ 112,000 |
| Bernalillo County New Mexico | 5 | $ 1,735,000 | $ 347,000 | $ 127,000 |
| Charleston County South Carolina | 5 | $ 1,375,000 | $ 275,000 | $ 68,000 |
| Montgomery County Tennessee | 5 | $ 1,125,000 | $ 225,000 | $ 81,000 |
| Robertson County Tennessee | 5 | $ 1,305,000 | $ 261,000 | $ 126,000 |
| Bastrop County Texas | 5 | $ 1,765,000 | $ 353,000 | $ 138,000 |
| Brazoria County Texas | 5 | $ 1,675,000 | $ 335,000 | $ 308,000 |
| Kleberg County Texas | 5 | $ 895,000 | $ 179,000 | $ 71,000 |
| Lubbock County Texas | 5 | $ 1,705,000 | $ 341,000 | $ 229,000 |
| McLennan County Texas | 5 | $ 1,395,000 | $ 279,000 | $ 146,000 |
| Volusia County Florida | 4 | $ 1,180,000 | $ 295,000 | $ 92,000 |
| Walton County Florida | 4 | $ 2,080,000 | $ 520,000 | $ 290,000 |
| Wake County North Carolina | 4 | $ 3,380,000 | $ 845,000 | $ 381,000 |
| Berkeley County South Carolina | 4 | $ 1,140,000 | $ 285,000 | $ 124,000 |
| Hidalgo County Texas | 4 | $ 1,150,000 | $ 287,000 | $ 174,000 |
| Jim Wells County Texas | 4 | $ 1,030,000 | $ 257,000 | $ 134,000 |
| Rockwall County Texas | 4 | $ 2,360,000 | $ 590,000 | $ 530,000 |
| Victoria County Texas | 4 | $ 920,000 | $ 230,000 | $ 76,000 |
| Waller County Texas | 4 | $ 1,900,000 | $ 475,000 | $ 235,000 |
| Wise County Texas | 4 | $ 780,000 | $ 195,000 | $ 70,000 |
| Salt Lake County Utah | 4 | $ 1,620,000 | $ 405,000 | $ 253,000 |
| Mesa County Colorado | 3 | $ 615,000 | $ 205,000 | $ 67,000 |
| Bay County Florida | 3 | $ 795,000 | $ 265,000 | $ 81,000 |
| Brevard County Florida | 3 | $ 905,000 | $ 301,000 | $ 116,000 |
| Highlands County Florida | 3 | $ 735,000 | $ 245,000 | $ 115,000 |
| Sarasota County Florida | 3 | $ 515,000 | $ 171,000 | $ 70,000 |
| Canadian County Oklahoma | 3 | $ 685,000 | $ 228,000 | $ 110,000 |
| Cleveland County Oklahoma | 3 | $ 795,000 | $ 265,000 | $ 97,000 |
| Grady County Oklahoma | 3 | $ 525,000 | $ 175,000 | $ 58,000 |
| Rutherford County Tennessee | 3 | $ 485,000 | $ 161,000 | $ 92,000 |
| Sumner County Tennessee | 3 | $ 1,255,000 | $ 418,000 | $ 175,000 |
| Bee County Texas | 3 | $ 955,000 | $ 318,000 | $ 105,000 |
| Cameron County Texas | 3 | $ 475,000 | $ 158,000 | $ 91,000 |
| Hunt County Texas | 3 | $ 875,000 | $ 291,000 | $ 183,000 |
| Lampasas County Texas | 3 | $ 545,000 | $ 181,000 | $ 117,000 |
| Refugio County Texas | 3 | $ 655,000 | $ 218,000 | $ 117,000 |
| Washington County Texas | 3 | $ 2,105,000 | $ 701,000 | $ 252,000 |
| Eagle County Colorado | 2 | $ 1,580,000 | $ 790,000 | $ 343,000 |
| El Paso County Colorado | 2 | $ 1,120,000 | $ 560,000 | $ 149,000 |
| Hardee County Florida | 2 | $ 370,000 | $ 185,000 | $ 70,000 |
| Manatee County Florida | 2 | $ 330,000 | $ 165,000 | $ 72,000 |
| Bulloch County Georgia | 2 | $ 700,000 | $ 350,000 | $ 138,000 |
| DeKalb County Georgia | 2 | $ 380,000 | $ 190,000 | $ 76,000 |
| Laurens County Georgia | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| Hinds County Mississippi | 2 | $ 580,000 | $ 290,000 | $ 111,000 |
| Sandoval County New Mexico | 2 | $ 500,000 | $ 250,000 | $ 107,000 |
| Santa Fe County New Mexico | 2 | $ 1,050,000 | $ 525,000 | $ 165,000 |
| Caldwell County North Carolina | 2 | $ 1,690,000 | $ 845,000 | $ 212,000 |
| Georgetown County South Carolina | 2 | $ 480,000 | $ 240,000 | $ 65,000 |
| Bedford County Tennessee | 2 | $ 290,000 | $ 145,000 | $ 87,000 |
| Davidson County Tennessee | 2 | $ 680,000 | $ 340,000 | $ 94,000 |
| Jackson County Tennessee | 2 | $ 370,000 | $ 185,000 | $ 76,000 |
| Lincoln County Tennessee | 2 | $ 410,000 | $ 205,000 | $ 72,000 |
| Wilson County Tennessee | 2 | $ 520,000 | $ 260,000 | $ 64,000 |
| Blanco County Texas | 2 | $ 1,030,000 | $ 515,000 | $ 159,000 |
| Burleson County Texas | 2 | $ 540,000 | $ 270,000 | $ 112,000 |
| Fayette County Texas | 2 | $ 850,000 | $ 425,000 | $ 287,000 |
| Grimes County Texas | 2 | $ 790,000 | $ 395,000 | $ 151,000 |
| Rusk County Texas | 2 | $ 750,000 | $ 375,000 | $ 218,000 |
| Smith County Texas | 2 | $ 820,000 | $ 410,000 | $ 158,000 |
| Wichita County Texas | 2 | $ 350,000 | $ 175,000 | $ 109,000 |
| Davis County Utah | 2 | $ 760,000 | $ 380,000 | $ 73,000 |
| King County Washington | 2 | $ 1,270,000 | $ 635,000 | $ 248,000 |
| Coffee County Alabama | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
| Pinal County Arizona | 1 | $ 385,000 | $ 385,000 | $ 108,000 |
| Arkansas County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Crawford County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Clear Creek County Colorado | 1 | $ 725,000 | $ 725,000 | $ 473,000 |
| Denver County Colorado | 1 | $ 405,000 | $ 405,000 | $ 98,000 |
| Larimer County Colorado | 1 | $ 475,000 | $ 475,000 | $ 115,000 |
| Weld County Colorado | 1 | $ 435,000 | $ 435,000 | $ 118,000 |
| Charlotte County Florida | 1 | $ 335,000 | $ 335,000 | $ 100,000 |
| Palm Beach County Florida | 1 | $ 405,000 | $ 405,000 | $ 74,000 |
| Pinellas County Florida | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Santa Rosa County Florida | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Chatham County Georgia | 1 | $ 305,000 | $ 305,000 | $ 148,000 |
| Cook County Georgia | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Dooly County Georgia | 1 | $ 135,000 | $ 135,000 | $ 138,000 |
| Jones County Georgia | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Muscogee County Georgia | 1 | $ 305,000 | $ 305,000 | $ 87,000 |
| Rockdale County Georgia | 1 | $ 305,000 | $ 305,000 | $ 105,000 |
| Spalding County Georgia | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Johnson County Kansas | 1 | $ 725,000 | $ 725,000 | $ 258,000 |
| Pottawatomie County Kansas | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Andrew County Missouri | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Caldwell County Missouri | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Clark County Nevada | 1 | $ 95,000 | $ 95,000 | $ 158,000 |
| Lincoln County New Mexico | 1 | $ 285,000 | $ 285,000 | $ 305,000 |
| Iredell County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| Mecklenburg County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 180,000 |
| Onslow County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 172,000 |
| Watauga County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Geauga County Ohio | 1 | $ 465,000 | $ 465,000 | $ 156,000 |
| Greene County Ohio | 1 | $ 305,000 | $ 305,000 | $ 184,000 |
| Mahoning County Ohio | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Trumbull County Ohio | 1 | $ 485,000 | $ 485,000 | $ 156,000 |
| McClain County Oklahoma | 1 | $ 355,000 | $ 355,000 | $ 256,000 |
| Pushmataha County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Colleton County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| Horry County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| Lexington County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 125,000 |
| Oconee County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 128,000 |
| Orangeburg County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Cheatham County Tennessee | 1 | $ 525,000 | $ 525,000 | $ 313,000 |
| Franklin County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Hamilton County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 79,000 |
| Hickman County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 86,000 |
| Overton County Tennessee | 1 | $ 545,000 | $ 545,000 | $ 450,000 |
| Shelby County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 175,000 |
| Sullivan County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Anderson County Texas | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Angelina County Texas | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| Austin County Texas | 1 | $ 255,000 | $ 255,000 | $ 147,000 |
| Bowie County Texas | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| Calhoun County Texas | 1 | $ 185,000 | $ 185,000 | $ 247,000 |
| Callahan County Texas | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Comanche County Texas | 1 | $ 315,000 | $ 315,000 | $ 113,000 |
| Cooke County Texas | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Dimmit County Texas | 1 | $ 305,000 | $ 305,000 | $ 108,000 |
| Erath County Texas | 1 | $ 565,000 | $ 565,000 | $ 899,000 |
| Frio County Texas | 1 | $ 505,000 | $ 505,000 | $ 703,000 |
| Gillespie County Texas | 1 | $ 295,000 | $ 295,000 | $ 364,000 |
| Hartley County Texas | 1 | $ 315,000 | $ 315,000 | $ 151,000 |
| Henderson County Texas | 1 | $ 235,000 | $ 235,000 | $ 248,000 |
| Houston County Texas | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Kimble County Texas | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Live Oak County Texas | 1 | $ 125,000 | $ 125,000 | $ 93,000 |
| Matagorda County Texas | 1 | $ 425,000 | $ 425,000 | $ 190,000 |
| Midland County Texas | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Montague County Texas | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Nacogdoches County Texas | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Nolan County Texas | 1 | $ 65,000 | $ 65,000 | $ 63,000 |
| Palo Pinto County Texas | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Panola County Texas | 1 | $ 135,000 | $ 135,000 | $ 110,000 |
| Polk County Texas | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Runnels County Texas | 1 | $ 225,000 | $ 225,000 | $ 116,000 |
| San Saba County Texas | 1 | $ 245,000 | $ 245,000 | $ 280,000 |
| Tom Green County Texas | 1 | $ 345,000 | $ 345,000 | $ 109,000 |
| Uvalde County Texas | 1 | $ 425,000 | $ 425,000 | $ 136,000 |
| Walker County Texas | 1 | $ 205,000 | $ 205,000 | $ 59,000 |
| Webb County Texas | 1 | $ 395,000 | $ 395,000 | $ 116,000 |
| Wharton County Texas | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Utah County Utah | 1 | $ 755,000 | $ 755,000 | $ 236,000 |
| Washington County Utah | 1 | $ 325,000 | $ 325,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. 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, Ltd.'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, Ltd.'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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