Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
Gardner Financial Services, Ltd. 2014 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 | 2020 2019 2018 2017 2016 2015 2014 2013 |
| Total Number of Mortgage Applications | 3,817 |
| Total Mortgage Loan Application Amount | $901,986,000 |
| Average Mortgage Loan Application Amount | $274,500 |
| Highest Mortgage Loan Application Amount | $3,430,000 |
| Average Applicant Income | $131,500 |
| Highest Applicant Income | $2,738,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 1,369 | $ 308,840,000 | $ 225,000 | $ 110,000 |
| Harris County Texas | 406 | $ 113,122,000 | $ 278,000 | $ 144,000 |
| Tarrant County Texas | 318 | $ 73,771,000 | $ 231,000 | $ 133,000 |
| Guadalupe County Texas | 236 | $ 49,620,000 | $ 210,000 | $ 91,000 |
| Comal County Texas | 226 | $ 63,499,000 | $ 280,000 | $ 121,000 |
| Denton County Texas | 134 | $ 23,763,000 | $ 177,000 | $ 90,000 |
| Rutherford County Tennessee | 98 | $ 19,403,000 | $ 197,000 | $ 79,000 |
| Davidson County Tennessee | 95 | $ 19,728,000 | $ 207,000 | $ 102,000 |
| Kendall County Texas | 81 | $ 26,068,000 | $ 321,000 | $ 156,000 |
| Fort Bend County Texas | 66 | $ 17,769,000 | $ 269,000 | $ 147,000 |
| Adams County Colorado | 61 | $ 15,623,000 | $ 256,000 | $ 83,000 |
| Jefferson County Colorado | 51 | $ 11,232,000 | $ 220,000 | $ 87,000 |
| Johnson County Texas | 44 | $ 7,525,000 | $ 171,000 | $ 78,000 |
| Travis County Texas | 43 | $ 14,992,000 | $ 348,000 | $ 147,000 |
| Parker County Texas | 42 | $ 10,571,000 | $ 251,000 | $ 113,000 |
| Denver County Colorado | 37 | $ 9,958,000 | $ 269,000 | $ 98,000 |
| Arapahoe County Colorado | 34 | $ 9,096,000 | $ 267,000 | $ 117,000 |
| Dallas County Texas | 30 | $ 7,761,000 | $ 258,000 | $ 163,000 |
| Williamson County Tennessee | 28 | $ 10,656,000 | $ 380,000 | $ 173,000 |
| Wilson County Texas | 22 | $ 5,378,000 | $ 244,000 | $ 89,000 |
| Brazoria County Texas | 21 | $ 3,615,000 | $ 172,000 | $ 93,000 |
| Montgomery County Texas | 19 | $ 4,621,000 | $ 243,000 | $ 214,000 |
| Tom Green County Texas | 19 | $ 3,192,000 | $ 168,000 | $ 93,000 |
| Dickson County Tennessee | 18 | $ 2,677,000 | $ 148,000 | $ 77,000 |
| Atascosa County Texas | 17 | $ 2,669,000 | $ 157,000 | $ 79,000 |
| Boulder County Colorado | 16 | $ 3,700,000 | $ 231,000 | $ 94,000 |
| Collin County Texas | 16 | $ 3,491,000 | $ 218,000 | $ 119,000 |
| Douglas County Colorado | 15 | $ 4,830,000 | $ 322,000 | $ 102,000 |
| Hays County Texas | 15 | $ 3,723,000 | $ 248,000 | $ 97,000 |
| Medina County Texas | 15 | $ 4,550,000 | $ 303,000 | $ 128,000 |
| Weld County Colorado | 13 | $ 2,995,000 | $ 230,000 | $ 76,000 |
| Galveston County Texas | 13 | $ 2,706,000 | $ 208,000 | $ 111,000 |
| Bandera County Texas | 12 | $ 3,240,000 | $ 270,000 | $ 108,000 |
| Ellis County Texas | 10 | $ 1,941,000 | $ 194,000 | $ 90,000 |
| Williamson County Texas | 10 | $ 2,875,000 | $ 287,000 | $ 100,000 |
| Sumner County Tennessee | 9 | $ 1,627,000 | $ 180,000 | $ 79,000 |
| Wilson County Tennessee | 9 | $ 1,952,000 | $ 216,000 | $ 71,000 |
| Brewster County Texas | 9 | $ 1,593,000 | $ 177,000 | $ 64,000 |
| Cooke County Texas | 7 | $ 1,229,000 | $ 175,000 | $ 72,000 |
| Wise County Texas | 6 | $ 1,256,000 | $ 209,000 | $ 100,000 |
| Broomfield County Colorado | 5 | $ 1,356,000 | $ 271,000 | $ 117,000 |
| Hood County Texas | 5 | $ 1,263,000 | $ 252,000 | $ 138,000 |
| Kerr County Texas | 5 | $ 917,000 | $ 183,000 | $ 68,000 |
| Nueces County Texas | 5 | $ 1,302,000 | $ 260,000 | $ 249,000 |
| Waller County Texas | 5 | $ 857,000 | $ 171,000 | $ 125,000 |
| Maury County Tennessee | 4 | $ 744,000 | $ 186,000 | $ 54,000 |
| El Paso County Texas | 4 | $ 945,000 | $ 236,000 | $ 163,000 |
| Hickman County Tennessee | 3 | $ 318,000 | $ 106,000 | $ 39,000 |
| Humphreys County Tennessee | 3 | $ 302,000 | $ 100,000 | $ 34,000 |
| Robertson County Tennessee | 3 | $ 540,000 | $ 180,000 | $ 84,000 |
| Aransas County Texas | 3 | $ 587,000 | $ 195,000 | $ 219,000 |
| Brazos County Texas | 3 | $ 468,000 | $ 156,000 | $ 122,000 |
| Gillespie County Texas | 3 | $ 606,000 | $ 202,000 | $ 76,000 |
| Karnes County Texas | 3 | $ 535,000 | $ 178,000 | $ 79,000 |
| Llano County Texas | 3 | $ 902,000 | $ 300,000 | $ 364,000 |
| Clear Creek County Colorado | 2 | $ 460,000 | $ 230,000 | $ 139,000 |
| El Paso County Colorado | 2 | $ 503,000 | $ 251,000 | $ 88,000 |
| Larimer County Colorado | 2 | $ 362,000 | $ 181,000 | $ 58,000 |
| Marion County Indiana | 2 | $ 410,000 | $ 205,000 | $ 82,000 |
| Bedford County Tennessee | 2 | $ 281,000 | $ 140,000 | $ 42,000 |
| Cheatham County Tennessee | 2 | $ 378,000 | $ 189,000 | $ 118,000 |
| Blanco County Texas | 2 | $ 456,000 | $ 228,000 | $ 118,000 |
| Burnet County Texas | 2 | $ 524,000 | $ 262,000 | $ 236,000 |
| Cameron County Texas | 2 | $ 382,000 | $ 191,000 | $ 261,000 |
| Ector County Texas | 2 | $ 229,000 | $ 114,000 | $ 39,000 |
| Fayette County Texas | 2 | $ 499,000 | $ 249,000 | $ 92,000 |
| Kleberg County Texas | 2 | $ 226,000 | $ 113,000 | $ 38,000 |
| Liberty County Texas | 2 | $ 290,000 | $ 145,000 | $ 71,000 |
| Lubbock County Texas | 2 | $ 285,000 | $ 142,000 | $ 171,000 |
| Montague County Texas | 2 | $ 238,000 | $ 119,000 | $ 60,000 |
| Runnels County Texas | 2 | $ 200,000 | $ 100,000 | $ 74,000 |
| Victoria County Texas | 2 | $ 340,000 | $ 170,000 | $ 66,000 |
| Eagle County Colorado | 1 | $ 281,000 | $ 281,000 | $ 110,000 |
| Gilpin County Colorado | 1 | $ 210,000 | $ 210,000 | $ 149,000 |
| Morgan County Colorado | 1 | $ 281,000 | $ 281,000 | $ 62,000 |
| Park County Colorado | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Pueblo County Colorado | 1 | $ 272,000 | $ 272,000 | $ 92,000 |
| Hamilton County Indiana | 1 | $ 188,000 | $ 188,000 | $ 152,000 |
| Blount County Tennessee | 1 | $ 192,000 | $ 192,000 | $ 43,000 |
| Cannon County Tennessee | 1 | $ 94,000 | $ 94,000 | $ 53,000 |
| Coffee County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 47,000 |
| Gibson County Tennessee | 1 | $ 172,000 | $ 172,000 | $ 47,000 |
| Knox County Tennessee | 1 | $ 210,000 | $ 210,000 | $ 286,000 |
| Marshall County Tennessee | 1 | $ 154,000 | $ 154,000 | $ 70,000 |
| Montgomery County Tennessee | 1 | $ 148,000 | $ 148,000 | $ 33,000 |
| White County Tennessee | 1 | $ 211,000 | $ 211,000 | $ 59,000 |
| Austin County Texas | 1 | $ 189,000 | $ 189,000 | $ 91,000 |
| Bell County Texas | 1 | $ 134,000 | $ 134,000 | $ 50,000 |
| Calhoun County Texas | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Erath County Texas | 1 | $ 202,000 | $ 202,000 | $ 175,000 |
| Frio County Texas | 1 | $ 177,000 | $ 177,000 | $ 86,000 |
| Hidalgo County Texas | 1 | $ 70,000 | $ 70,000 | $ 27,000 |
| Hunt County Texas | 1 | $ 415,000 | $ 415,000 | $ 99,000 |
| Jack County Texas | 1 | $ 97,000 | $ 97,000 | $ 50,000 |
| Jeff Davis County Texas | 1 | $ 108,000 | $ 108,000 | $ 65,000 |
| Jones County Texas | 1 | $ 112,000 | $ 112,000 | $ 104,000 |
| Kaufman County Texas | 1 | $ 152,000 | $ 152,000 | $ 82,000 |
| Matagorda County Texas | 1 | $ 156,000 | $ 156,000 | $ 79,000 |
| Maverick County Texas | 1 | $ 86,000 | $ 86,000 | $ 182,000 |
| McLennan County Texas | 1 | $ 388,000 | $ 388,000 | $ 220,000 |
| Refugio County Texas | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Rockwall County Texas | 1 | $ 516,000 | $ 516,000 | $ 219,000 |
| Rusk County Texas | 1 | $ 305,000 | $ 305,000 | $ 242,000 |
| Smith County Texas | 1 | $ 89,000 | $ 89,000 | $ 471,000 |
| Val Verde County Texas | 1 | $ 340,000 | $ 340,000 | $ 123,000 |
| Washington County Texas | 1 | $ 214,000 | $ 214,000 | $ 82,000 |
| Webb County Texas | 1 | $ 195,000 | $ 195,000 | $ 204,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. in 2014
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 | 3,437 | $779,186,000 | $226,000 | $3,430,000 | $111,000 | $2,738,000 |
| Refinancing | 380 | $122,800,000 | $323,000 | $1,800,000 | $152,000 | $930,000 |
| 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 | 2,758 | $665,993,000 | $241,000 | $3,430,000 | $119,000 | $2,738,000 |
| Hispanic | 673 | $140,283,000 | $208,000 | $1,800,000 | $95,000 | $633,000 |
| Not Provided | 151 | $40,749,000 | $269,000 | $1,360,000 | $136,000 | $1,446,000 |
| Black or African American | 137 | $30,783,000 | $224,000 | $526,000 | $94,000 | $330,000 |
| Asian | 78 | $19,758,000 | $253,000 | $1,750,000 | $146,000 | $1,200,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,856,000 | $219,000 | $417,000 | $106,000 | $300,000 |
| American Indian or Alaskan Native | 7 | $1,564,000 | $223,000 | $299,000 | $89,000 | $141,000 |
| 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) | 2,286 | $584,266,000 | $255,000 | $3,430,000 | $135,000 | $2,738,000 |
| FHA-insured (Federal Housing Administration) | 839 | $149,289,000 | $177,000 | $440,000 | $77,000 | $1,066,000 |
| VA-guaranteed (Veterans Administration) | 623 | $157,337,000 | $252,000 | $796,000 | $97,000 | $429,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $11,094,000 | $160,000 | $294,000 | $53,000 | $94,000 |
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 | 3,145 | $746,410,000 | $237,000 | $3,430,000 | $114,000 | $2,738,000 |
| Application Withdrawn By Applicant | 469 | $110,804,000 | $236,000 | $1,760,000 | $126,000 | $1,446,000 |
| Application Approved But Not Accepted | 102 | $22,152,000 | $217,000 | $679,000 | $106,000 | $535,000 |
| Application Denied By Financial Institution | 93 | $19,080,000 | $205,000 | $926,000 | $89,000 | $664,000 |
| File Closed For Incompleteness | 8 | $3,540,000 | $442,000 | $1,360,000 | $179,000 | $610,000 |
| 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 | 31 | $6,602,000 | $212,000 | $926,000 | $65,000 | $193,000 |
| Collateral | 20 | $3,058,000 | $152,000 | $308,000 | $105,000 | $512,000 |
| Credit History | 12 | $2,754,000 | $229,000 | $467,000 | $101,000 | $177,000 |
| Other | 11 | $3,138,000 | $285,000 | $926,000 | $138,000 | $664,000 |
| Employment History | 7 | $1,039,000 | $148,000 | $238,000 | $62,000 | $126,000 |
| Unverifiable Information | 6 | $1,349,000 | $224,000 | $417,000 | $81,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $845,000 | $169,000 | $308,000 | $88,000 | $173,000 |
| Credit Application Incomplete | 1 | $295,000 | $295,000 | $295,000 | $96,000 | $96,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gardner Financial Services, Ltd.'s 2014 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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