Gardner Financial Services Mortgage Lending & HMDA Data, 2024
In 2024, Gardner Financial Services of San Antonio, TX reported 3,796 mortgage applications totaling $1.3 billion, up 28% from 2023. The average application was for $340,287, and applicants reported an average income of $144,018. 75% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Antonio-New Braunfels, TX (894), Lakeland-Winter Haven, FL (450) and Dallas-Plano-Irving, TX (243) (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 | 3,796 |
| Total Mortgage Loan Application Amount | $1,291,730,000 |
| Average Mortgage Loan Application Amount | $340,287 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $144,018 |
| Highest Applicant Income | $3,184,000 |
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records Gardner Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 894 | $ 324,990,000 | $ 363,523 | $ 158,000 |
| Lakeland-Winter Haven, FL | 450 | $ 121,800,000 | $ 270,666 | $ 106,000 |
| Dallas-Plano-Irving, TX | 243 | $ 102,395,000 | $ 421,378 | $ 179,000 |
| Prescott Valley-Prescott, AZ | 218 | $ 69,150,000 | $ 317,201 | $ 114,000 |
| Fort Worth-Arlington, TX | 208 | $ 76,180,000 | $ 366,250 | $ 168,000 |
| Corpus Christi, TX | 190 | $ 60,220,000 | $ 316,947 | $ 135,000 |
| Oklahoma City, OK | 189 | $ 43,035,000 | $ 227,698 | $ 105,000 |
| Outside any metro area | 181 | $ 69,555,000 | $ 384,281 | $ 170,718 |
| Houston-The Woodlands-Sugar Land, TX | 165 | $ 59,775,000 | $ 362,272 | $ 172,000 |
| Austin-Round Rock, TX | 122 | $ 50,210,000 | $ 411,557 | $ 184,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 103 | $ 32,775,000 | $ 318,203 | $ 98,000 |
| Tampa, FL | 81 | $ 25,495,000 | $ 314,753 | $ 127,000 |
| Salt Lake City, UT | 78 | $ 35,120,000 | $ 450,256 | $ 150,000 |
| Phoenix-Mesa-Scottsdale, AZ | 77 | $ 30,545,000 | $ 396,688 | $ 136,000 |
| Pensacola-Ferry Pass-Brent, FL | 64 | $ 17,860,000 | $ 279,062 | $ 217,000 |
| Charleston-North Charleston, SC | 47 | $ 15,155,000 | $ 322,446 | $ 128,000 |
| Orlando-Kissimmee-Sanford, FL | 46 | $ 14,990,000 | $ 325,869 | $ 113,000 |
| Ogden-Clearfield, UT | 44 | $ 20,860,000 | $ 474,090 | $ 154,000 |
| Lake Havasu City-Kingman, AZ | 33 | $ 7,965,000 | $ 241,363 | $ 118,000 |
| Provo-Orem, UT | 30 | $ 11,940,000 | $ 398,000 | $ 144,000 |
| College Station-Bryan, TX | 27 | $ 8,345,000 | $ 309,074 | $ 137,000 |
| Killeen-Temple, TX | 22 | $ 4,680,000 | $ 212,727 | $ 95,000 |
| Ocala, FL | 19 | $ 4,575,000 | $ 240,789 | $ 82,000 |
| Atlanta-Sandy Springs-Roswell, GA | 16 | $ 4,450,000 | $ 278,125 | $ 88,000 |
| Clarksville, TN-KY | 16 | $ 4,280,000 | $ 267,500 | $ 113,000 |
| Sebring, FL | 14 | $ 2,970,000 | $ 212,142 | $ 111,000 |
| St. Petersburg-Clearwater-Largo, FL | 13 | $ 5,775,000 | $ 444,230 | $ 183,000 |
| Albuquerque, NM | 11 | $ 4,395,000 | $ 399,545 | $ 153,000 |
| Kansas City, MO-KS | 9 | $ 2,185,000 | $ 242,777 | $ 224,222 |
| St. George, UT | 9 | $ 2,975,000 | $ 330,555 | $ 187,000 |
| Jacksonville, FL | 8 | $ 2,700,000 | $ 337,500 | $ 112,000 |
| Kalamazoo-Portage, MI | 8 | $ 2,150,000 | $ 268,750 | $ 152,000 |
| Palm Bay-Melbourne-Titusville, FL | 8 | $ 2,140,000 | $ 267,500 | $ 126,000 |
| Tulsa, OK | 8 | $ 2,550,000 | $ 318,750 | $ 187,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 3,215,000 | $ 459,285 | $ 164,000 |
| El Paso, TX | 6 | $ 1,290,000 | $ 215,000 | $ 87,000 |
| Homosassa Springs, FL | 6 | $ 1,470,000 | $ 245,000 | $ 114,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,365,000 | $ 273,000 | $ 135,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,930,000 | $ 482,500 | $ 113,000 |
| Denver-Aurora-Lakewood, CO | 4 | $ 2,370,000 | $ 592,500 | $ 174,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,380,000 | $ 345,000 | $ 142,000 |
| Sherman-Denison, TX | 4 | $ 1,220,000 | $ 305,000 | $ 158,000 |
| Victoria, TX | 4 | $ 770,000 | $ 192,500 | $ 98,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 745,000 | $ 248,333 | $ 87,333 |
| Greenville-Anderson-Mauldin, SC | 3 | $ 995,000 | $ 331,666 | $ 158,000 |
| Lexington-Fayette, KY | 3 | $ 605,000 | $ 201,666 | $ 61,000 |
| Macon-Bibb County, GA | 3 | $ 725,000 | $ 241,666 | $ 58,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,175,000 | $ 391,666 | $ 146,000 |
| Waco, TX | 3 | $ 655,000 | $ 218,333 | $ 123,000 |
| Chicago-Naperville, IL | 2 | $ 670,000 | $ 335,000 | $ 327,000 |
| Cleveland, TN | 2 | $ 550,000 | $ 275,000 | $ 118,000 |
| Colorado Springs, CO | 2 | $ 1,360,000 | $ 680,000 | $ 316,000 |
| Columbia, SC | 2 | $ 360,000 | $ 180,000 | $ 55,000 |
| Farmington, NM | 2 | $ 750,000 | $ 375,000 | $ 234,000 |
| Logan, UT-ID | 2 | $ 580,000 | $ 290,000 | $ 105,000 |
| Marietta, GA | 2 | $ 560,000 | $ 280,000 | $ 133,000 |
| Midland, TX | 2 | $ 460,000 | $ 230,000 | $ 80,000 |
| Panama City, FL | 2 | $ 460,000 | $ 230,000 | $ 124,000 |
| Port St. Lucie, FL | 2 | $ 470,000 | $ 235,000 | $ 70,000 |
| Reno, NV | 2 | $ 960,000 | $ 480,000 | $ 220,000 |
| San Diego-Carlsbad, CA | 2 | $ 870,000 | $ 435,000 | $ 85,000 |
| St. Louis, MO-IL | 2 | $ 620,000 | $ 310,000 | $ 123,000 |
| Tacoma-Lakewood, WA | 2 | $ 1,040,000 | $ 520,000 | $ 179,000 |
| Texarkana, TX-AR | 2 | $ 300,000 | $ 150,000 | $ 129,000 |
| Tucson, AZ | 2 | $ 400,000 | $ 200,000 | $ 108,000 |
| Valdosta, GA | 2 | $ 1,010,000 | $ 505,000 | $ 150,000 |
| Wildwood-The Villages, FL | 2 | $ 660,000 | $ 330,000 | $ 182,000 |
| Yuma, AZ | 2 | $ 550,000 | $ 275,000 | $ 181,000 |
| Asheville, NC | 1 | $ 665,000 | $ 665,000 | $ 437,000 |
| Bozeman, MT | 1 | $ 955,000 | $ 955,000 | $ 362,000 |
| Brownsville-Harlingen, TX | 1 | $ 255,000 | $ 255,000 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 395,000 | $ 395,000 | $ 134,000 |
| Columbus, GA-AL | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Columbus, OH | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Dayton-Springfield-Kettering, OH | 1 | $ 375,000 | $ 375,000 | $ 111,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 375,000 | $ 375,000 | $ 215,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Dothan, AL | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Duluth, MN-WI | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Durham-Chapel Hill, NC | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Erie, PA | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 435,000 | $ 435,000 | $ 187,000 |
| Fort Collins, CO | 1 | $ 515,000 | $ 515,000 | $ 109,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 765,000 | $ 765,000 | $ 646,000 |
| Gainesville, FL | 1 | $ 175,000 | $ 175,000 | $ 51,000 |
| Grants Pass, OR | 1 | $ 635,000 | $ 635,000 | $ 254,000 |
| Greeley, CO | 1 | $ 435,000 | $ 435,000 | $ 137,000 |
| Hammond, LA | 1 | $ 785,000 | $ 785,000 | $ 246,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 245,000 | $ 245,000 | $ 67,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 605,000 | $ 605,000 | $ 243,000 |
| Knoxville, TN | 1 | $ 165,000 | $ 165,000 | $ 183,000 |
| Lafayette, LA | 1 | $ 215,000 | $ 215,000 | $ 260,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 265,000 | $ 265,000 | $ 123,000 |
| Lancaster, PA | 1 | $ 365,000 | $ 365,000 | $ 141,000 |
| Laredo, TX | 1 | $ 395,000 | $ 395,000 | $ 119,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 255,000 | $ 255,000 | $ 172,000 |
| Longview, TX | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Lubbock, TX | 1 | $ 205,000 | $ 205,000 | $ 367,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 585,000 | $ 585,000 | $ 135,000 |
| New Orleans-Metairie, LA | 1 | $ 125,000 | $ 125,000 | $ 335,000 |
| Odessa, TX | 1 | $ 245,000 | $ 245,000 | $ 62,000 |
| Paducah, KY-IL | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Pittsburgh, PA | 1 | $ 565,000 | $ 565,000 | $ 248,000 |
| Raleigh, NC | 1 | $ 625,000 | $ 625,000 | $ 150,000 |
| Santa Fe, NM | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Sebastian-Vero Beach, FL | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| Spartanburg, SC | 1 | $ 135,000 | $ 135,000 | $ 35,000 |
| Springfield, IL | 1 | $ 215,000 | $ 215,000 | $ 98,000 |
| Toledo, OH | 1 | $ 145,000 | $ 145,000 | $ 103,000 |
| Wichita Falls, TX | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Winston-Salem, NC | 1 | $ 145,000 | $ 145,000 | $ 764,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services in 2024
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 | 3,497 | $1,181,975,000 | $337,000 | $3,005,000 | $142,000 | $3,184,000 |
| Cash-out Refinancing | 178 | $56,000,000 | $314,000 | $2,005,000 | $154,000 | $1,172,000 |
| Refinancing | 116 | $52,390,000 | $451,000 | $2,375,000 | $189,000 | $886,000 |
| Home Improvement | 4 | $890,000 | $222,000 | $505,000 | $153,000 | $224,000 |
| Not Applicable | 1 | $475,000 | $475,000 | $475,000 | $171,000 | $171,000 |
| Other Purpose | 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 | 1,947 | $676,475,000 | $347,000 | $3,005,000 | $154,000 | $3,184,000 |
| Hispanic | 802 | $244,940,000 | $305,000 | $1,115,000 | $117,000 | $727,000 |
| Not Provided | 714 | $265,100,000 | $371,000 | $2,375,000 | $158,000 | $1,311,000 |
| Black or African American | 204 | $59,290,000 | $290,000 | $765,000 | $98,000 | $446,000 |
| Asian | 102 | $39,420,000 | $386,000 | $1,805,000 | $173,000 | $856,000 |
| American Indian or Alaskan Native | 18 | $4,470,000 | $248,000 | $505,000 | $108,000 | $246,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,035,000 | $226,000 | $385,000 | $108,000 | $228,000 |
| 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) | 2,139 | $750,385,000 | $350,000 | $3,005,000 | $171,000 | $3,184,000 |
| FHA-insured (Federal Housing Administration) | 1,204 | $360,300,000 | $299,000 | $735,000 | $103,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 435 | $177,025,000 | $406,000 | $2,375,000 | $133,000 | $867,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $4,020,000 | $223,000 | $335,000 | $86,000 | $124,000 |
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 | 2,844 | $956,120,000 | $336,000 | $3,005,000 | $141,000 | $2,073,000 |
| Application Withdrawn By Applicant | 794 | $274,060,000 | $345,000 | $2,005,000 | $155,000 | $3,184,000 |
| File Closed For Incompleteness | 111 | $46,515,000 | $419,000 | $2,365,000 | $162,000 | $677,000 |
| Application Denied By Financial Institution | 30 | $10,130,000 | $337,000 | $885,000 | $113,000 | $711,000 |
| Application Approved But Not Accepted | 17 | $4,905,000 | $288,000 | $475,000 | $128,000 | $281,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,766 | $1,281,600,000 | $340,000 | $3,005,000 | $145,000 | $3,184,000 |
| Debt-To-Income Ratio | 10 | $2,620,000 | $262,000 | $345,000 | $64,000 | $98,000 |
| Employment History | 5 | $1,695,000 | $339,000 | $425,000 | $83,000 | $99,000 |
| Other | 5 | $1,795,000 | $359,000 | $745,000 | $93,000 | $139,000 |
| Credit History | 4 | $1,750,000 | $437,000 | $775,000 | $150,000 | $252,000 |
| Unverifiable Information | 3 | $1,015,000 | $338,000 | $655,000 | $141,000 | $201,000 |
| Collateral | 2 | $1,100,000 | $550,000 | $885,000 | $380,000 | $711,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $155,000 | $155,000 | $155,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gardner Financial Services's 2024 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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