Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Gardner Financial Services, Ltd. 2015 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 | 5,054 |
| Total Mortgage Loan Application Amount | $1,236,210,000 |
| Average Mortgage Loan Application Amount | $254,500 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $123,500 |
| Highest Applicant Income | $2,313,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 1,377 | $ 325,879,000 | $ 236,000 | $ 108,000 |
| Harris County Texas | 545 | $ 143,057,000 | $ 262,000 | $ 135,000 |
| Tarrant County Texas | 393 | $ 88,086,000 | $ 224,000 | $ 123,000 |
| Travis County Texas | 283 | $ 81,745,000 | $ 288,000 | $ 133,000 |
| Williamson County Texas | 215 | $ 50,174,000 | $ 233,000 | $ 102,000 |
| Comal County Texas | 213 | $ 62,618,000 | $ 293,000 | $ 124,000 |
| Guadalupe County Texas | 199 | $ 45,430,000 | $ 228,000 | $ 99,000 |
| Denton County Texas | 173 | $ 35,531,000 | $ 205,000 | $ 108,000 |
| Rutherford County Tennessee | 132 | $ 27,217,000 | $ 206,000 | $ 81,000 |
| Adams County Colorado | 125 | $ 31,281,000 | $ 250,000 | $ 85,000 |
| Kendall County Texas | 105 | $ 34,897,000 | $ 332,000 | $ 142,000 |
| Dallas County Texas | 104 | $ 25,571,000 | $ 245,000 | $ 113,000 |
| Fort Bend County Texas | 102 | $ 23,018,000 | $ 225,000 | $ 118,000 |
| Jefferson County Colorado | 95 | $ 26,446,000 | $ 278,000 | $ 101,000 |
| Davidson County Tennessee | 72 | $ 16,402,000 | $ 227,000 | $ 95,000 |
| Denver County Colorado | 70 | $ 19,047,000 | $ 272,000 | $ 117,000 |
| Johnson County Texas | 60 | $ 11,533,000 | $ 192,000 | $ 90,000 |
| Arapahoe County Colorado | 59 | $ 14,902,000 | $ 252,000 | $ 94,000 |
| Collin County Texas | 53 | $ 14,108,000 | $ 266,000 | $ 130,000 |
| Parker County Texas | 49 | $ 13,129,000 | $ 267,000 | $ 136,000 |
| Montgomery County Texas | 44 | $ 11,069,000 | $ 251,000 | $ 146,000 |
| Hays County Texas | 43 | $ 10,131,000 | $ 235,000 | $ 105,000 |
| Brazos County Texas | 41 | $ 7,852,000 | $ 191,000 | $ 103,000 |
| Weld County Colorado | 30 | $ 8,079,000 | $ 269,000 | $ 80,000 |
| Williamson County Tennessee | 29 | $ 9,245,000 | $ 318,000 | $ 117,000 |
| Tom Green County Texas | 28 | $ 5,557,000 | $ 198,000 | $ 116,000 |
| Brazoria County Texas | 27 | $ 6,107,000 | $ 226,000 | $ 154,000 |
| Medina County Texas | 26 | $ 7,005,000 | $ 269,000 | $ 98,000 |
| Wilson County Texas | 25 | $ 6,053,000 | $ 242,000 | $ 96,000 |
| Douglas County Colorado | 21 | $ 6,229,000 | $ 296,000 | $ 122,000 |
| Galveston County Texas | 16 | $ 4,082,000 | $ 255,000 | $ 216,000 |
| Wilson County Tennessee | 15 | $ 3,171,000 | $ 211,000 | $ 94,000 |
| Nueces County Texas | 15 | $ 3,544,000 | $ 236,000 | $ 257,000 |
| Wise County Texas | 15 | $ 3,547,000 | $ 236,000 | $ 103,000 |
| Broomfield County Colorado | 13 | $ 3,980,000 | $ 306,000 | $ 103,000 |
| Atascosa County Texas | 13 | $ 2,811,000 | $ 216,000 | $ 106,000 |
| Bandera County Texas | 11 | $ 1,979,000 | $ 179,000 | $ 79,000 |
| Cooke County Texas | 11 | $ 1,643,000 | $ 149,000 | $ 81,000 |
| Maury County Tennessee | 9 | $ 1,906,000 | $ 211,000 | $ 61,000 |
| Ellis County Texas | 8 | $ 1,597,000 | $ 199,000 | $ 97,000 |
| Rockwall County Texas | 8 | $ 2,073,000 | $ 259,000 | $ 139,000 |
| Robertson County Tennessee | 7 | $ 1,024,000 | $ 146,000 | $ 58,000 |
| Bastrop County Texas | 7 | $ 1,771,000 | $ 253,000 | $ 113,000 |
| Burnet County Texas | 7 | $ 2,947,000 | $ 421,000 | $ 256,000 |
| El Paso County Texas | 7 | $ 1,119,000 | $ 159,000 | $ 84,000 |
| Grayson County Texas | 7 | $ 1,144,000 | $ 163,000 | $ 110,000 |
| Kerr County Texas | 7 | $ 1,244,000 | $ 177,000 | $ 81,000 |
| Boulder County Colorado | 6 | $ 1,592,000 | $ 265,000 | $ 148,000 |
| Sumner County Tennessee | 6 | $ 1,257,000 | $ 209,000 | $ 81,000 |
| Bell County Texas | 6 | $ 941,000 | $ 156,000 | $ 101,000 |
| Waller County Texas | 5 | $ 925,000 | $ 185,000 | $ 94,000 |
| Larimer County Colorado | 4 | $ 1,030,000 | $ 257,000 | $ 126,000 |
| Aransas County Texas | 4 | $ 1,539,000 | $ 384,000 | $ 295,000 |
| Kaufman County Texas | 4 | $ 725,000 | $ 181,000 | $ 102,000 |
| Smith County Texas | 4 | $ 862,000 | $ 215,000 | $ 139,000 |
| El Paso County Colorado | 3 | $ 614,000 | $ 204,000 | $ 50,000 |
| Dickson County Tennessee | 3 | $ 763,000 | $ 254,000 | $ 118,000 |
| Shelby County Tennessee | 3 | $ 309,000 | $ 103,000 | $ 103,000 |
| Gillespie County Texas | 3 | $ 603,000 | $ 201,000 | $ 109,000 |
| Henderson County Texas | 3 | $ 749,000 | $ 249,000 | $ 110,000 |
| Hunt County Texas | 3 | $ 357,000 | $ 119,000 | $ 112,000 |
| Lubbock County Texas | 3 | $ 555,000 | $ 185,000 | $ 163,000 |
| McLennan County Texas | 3 | $ 982,000 | $ 327,000 | $ 277,000 |
| Webb County Texas | 3 | $ 605,000 | $ 201,000 | $ 94,000 |
| Elbert County Colorado | 2 | $ 595,000 | $ 297,000 | $ 76,000 |
| Summit County Colorado | 2 | $ 489,000 | $ 244,000 | $ 174,000 |
| Bedford County Tennessee | 2 | $ 431,000 | $ 215,000 | $ 93,000 |
| Coffee County Tennessee | 2 | $ 448,000 | $ 224,000 | $ 64,000 |
| Giles County Tennessee | 2 | $ 231,000 | $ 115,000 | $ 36,000 |
| Blanco County Texas | 2 | $ 833,000 | $ 416,000 | $ 161,000 |
| Caldwell County Texas | 2 | $ 423,000 | $ 211,000 | $ 116,000 |
| Cameron County Texas | 2 | $ 177,000 | $ 88,000 | $ 99,000 |
| Chambers County Texas | 2 | $ 370,000 | $ 185,000 | $ 69,000 |
| Hood County Texas | 2 | $ 612,000 | $ 306,000 | $ 134,000 |
| Jefferson County Texas | 2 | $ 250,000 | $ 125,000 | $ 95,000 |
| Llano County Texas | 2 | $ 334,000 | $ 167,000 | $ 68,000 |
| Matagorda County Texas | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| Palo Pinto County Texas | 2 | $ 621,000 | $ 310,000 | $ 199,000 |
| Robertson County Texas | 2 | $ 482,000 | $ 241,000 | $ 114,000 |
| Victoria County Texas | 2 | $ 416,000 | $ 208,000 | $ 133,000 |
| Walker County Texas | 2 | $ 239,000 | $ 119,000 | $ 120,000 |
| Garfield County Colorado | 1 | $ 307,000 | $ 307,000 | $ 99,000 |
| Gilpin County Colorado | 1 | $ 316,000 | $ 316,000 | $ 127,000 |
| Kit Carson County Colorado | 1 | $ 164,000 | $ 164,000 | $ 63,000 |
| Park County Colorado | 1 | $ 73,000 | $ 73,000 | $ 100,000 |
| Teller County Colorado | 1 | $ 416,000 | $ 416,000 | $ 112,000 |
| Cheatham County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 56,000 |
| Lawrence County Tennessee | 1 | $ 123,000 | $ 123,000 | $ 40,000 |
| Lewis County Tennessee | 1 | $ 300,000 | $ 300,000 | $ 99,000 |
| Lincoln County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Marshall County Tennessee | 1 | $ 177,000 | $ 177,000 | $ 51,000 |
| Austin County Texas | 1 | $ 103,000 | $ 103,000 | $ 55,000 |
| Calhoun County Texas | 1 | $ 127,000 | $ 127,000 | $ 200,000 |
| Coryell County Texas | 1 | $ 101,000 | $ 101,000 | $ 101,000 |
| Dawson County Texas | 1 | $ 124,000 | $ 124,000 | $ 30,000 |
| Dimmit County Texas | 1 | $ 129,000 | $ 129,000 | $ 54,000 |
| Gonzales County Texas | 1 | $ 134,000 | $ 134,000 | $ 133,000 |
| Grimes County Texas | 1 | $ 404,000 | $ 404,000 | $ 93,000 |
| Hardin County Texas | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Hidalgo County Texas | 1 | $ 81,000 | $ 81,000 | $ 133,000 |
| Irion County Texas | 1 | $ 225,000 | $ 225,000 | $ 172,000 |
| Kleberg County Texas | 1 | $ 26,000 | $ 26,000 | $ 129,000 |
| Lampasas County Texas | 1 | $ 152,000 | $ 152,000 | $ 70,000 |
| Lee County Texas | 1 | $ 213,000 | $ 213,000 | $ 91,000 |
| Liberty County Texas | 1 | $ 412,000 | $ 412,000 | $ 296,000 |
| Lipscomb County Texas | 1 | $ 187,000 | $ 187,000 | $ 150,000 |
| Madison County Texas | 1 | $ 191,000 | $ 191,000 | $ 163,000 |
| Mason County Texas | 1 | $ 415,000 | $ 415,000 | $ 155,000 |
| Midland County Texas | 1 | $ 417,000 | $ 417,000 | $ 650,000 |
| Nacogdoches County Texas | 1 | $ 240,000 | $ 240,000 | $ 106,000 |
| Nolan County Texas | 1 | $ 133,000 | $ 133,000 | $ 72,000 |
| Rains County Texas | 1 | $ 280,000 | $ 280,000 | $ 143,000 |
| Randall County Texas | 1 | $ 159,000 | $ 159,000 | $ 68,000 |
| Real County Texas | 1 | $ 217,000 | $ 217,000 | $ 58,000 |
| Refugio County Texas | 1 | $ 90,000 | $ 90,000 | $ 121,000 |
| Runnels County Texas | 1 | $ 72,000 | $ 72,000 | $ 97,000 |
| Schleicher County Texas | 1 | $ 71,000 | $ 71,000 | $ 43,000 |
| Shelby County Texas | 1 | $ 178,000 | $ 178,000 | $ 106,000 |
| Washington County Texas | 1 | $ 178,000 | $ 178,000 | $ 150,000 |
| Wharton County Texas | 1 | $ 160,000 | $ 160,000 | $ 108,000 |
| Wilbarger County Texas | 1 | $ 191,000 | $ 191,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. in 2015
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 | 4,290 | $1,030,066,000 | $240,000 | $1,960,000 | $111,000 | $1,650,000 |
| Refinancing | 764 | $206,144,000 | $269,000 | $2,000,000 | $136,000 | $2,313,000 |
| 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 | 3,500 | $883,505,000 | $252,000 | $2,000,000 | $120,000 | $2,313,000 |
| Hispanic | 879 | $188,971,000 | $214,000 | $1,052,000 | $97,000 | $958,000 |
| Not Provided | 334 | $82,582,000 | $247,000 | $776,000 | $115,000 | $769,000 |
| Black or African American | 197 | $47,075,000 | $238,000 | $561,000 | $93,000 | $382,000 |
| Asian | 126 | $29,742,000 | $236,000 | $960,000 | $118,000 | $581,000 |
| American Indian or Alaskan Native | 11 | $2,493,000 | $226,000 | $356,000 | $102,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,842,000 | $263,000 | $312,000 | $89,000 | $119,000 |
| 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) | 3,089 | $795,746,000 | $257,000 | $2,000,000 | $133,000 | $2,313,000 |
| FHA-insured (Federal Housing Administration) | 1,097 | $218,636,000 | $199,000 | $433,000 | $79,000 | $342,000 |
| VA-guaranteed (Veterans Administration) | 810 | $211,951,000 | $261,000 | $1,409,000 | $95,000 | $464,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 58 | $9,877,000 | $170,000 | $359,000 | $60,000 | $100,000 |
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 | 4,008 | $984,322,000 | $245,000 | $2,000,000 | $115,000 | $2,313,000 |
| Application Withdrawn By Applicant | 690 | $173,759,000 | $251,000 | $1,200,000 | $122,000 | $1,650,000 |
| Application Approved But Not Accepted | 253 | $55,265,000 | $218,000 | $680,000 | $100,000 | $618,000 |
| Application Denied By Financial Institution | 95 | $20,914,000 | $220,000 | $820,000 | $93,000 | $769,000 |
| File Closed For Incompleteness | 8 | $1,950,000 | $243,000 | $369,000 | $88,000 | $136,000 |
| 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 | 30 | $8,153,000 | $271,000 | $820,000 | $84,000 | $274,000 |
| Credit History | 27 | $5,782,000 | $214,000 | $424,000 | $103,000 | $300,000 |
| Collateral | 13 | $1,703,000 | $131,000 | $285,000 | $62,000 | $165,000 |
| Employment History | 10 | $2,164,000 | $216,000 | $309,000 | $69,000 | $110,000 |
| Unverifiable Information | 8 | $1,854,000 | $231,000 | $417,000 | $173,000 | $769,000 |
| Other | 5 | $1,039,000 | $207,000 | $288,000 | $90,000 | $172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $219,000 | $109,000 | $128,000 | $86,000 | $101,000 |
| 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, Ltd.'s 2015 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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with aggregated HMDA statistics today.