Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Gardner Financial Services, Ltd. 2016 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 | 6,428 |
| Total Mortgage Loan Application Amount | $1,643,593,000 |
| Average Mortgage Loan Application Amount | $264,000 |
| Highest Mortgage Loan Application Amount | $1,990,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $2,808,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,471 | $ 358,142,000 | $ 243,000 | $ 111,000 |
| Harris County Texas | 600 | $ 143,402,000 | $ 239,000 | $ 131,000 |
| Tarrant County Texas | 472 | $ 114,216,000 | $ 241,000 | $ 131,000 |
| Travis County Texas | 349 | $ 104,159,000 | $ 298,000 | $ 137,000 |
| Comal County Texas | 231 | $ 73,567,000 | $ 318,000 | $ 141,000 |
| Williamson County Texas | 224 | $ 55,108,000 | $ 246,000 | $ 110,000 |
| Denton County Texas | 223 | $ 53,467,000 | $ 239,000 | $ 118,000 |
| Guadalupe County Texas | 219 | $ 51,912,000 | $ 237,000 | $ 97,000 |
| Rutherford County Tennessee | 209 | $ 44,518,000 | $ 213,000 | $ 84,000 |
| Adams County Colorado | 182 | $ 49,104,000 | $ 269,000 | $ 91,000 |
| Davidson County Tennessee | 179 | $ 41,627,000 | $ 232,000 | $ 104,000 |
| Dallas County Texas | 164 | $ 43,004,000 | $ 262,000 | $ 124,000 |
| San Diego County California | 152 | $ 64,283,000 | $ 422,000 | $ 110,000 |
| Jefferson County Colorado | 119 | $ 34,941,000 | $ 293,000 | $ 100,000 |
| Fort Bend County Texas | 114 | $ 27,907,000 | $ 244,000 | $ 111,000 |
| Collin County Texas | 105 | $ 29,494,000 | $ 280,000 | $ 142,000 |
| Williamson County Tennessee | 85 | $ 28,252,000 | $ 332,000 | $ 139,000 |
| Hays County Texas | 77 | $ 21,633,000 | $ 280,000 | $ 115,000 |
| Johnson County Texas | 77 | $ 15,915,000 | $ 206,000 | $ 118,000 |
| Kendall County Texas | 73 | $ 25,536,000 | $ 349,000 | $ 167,000 |
| Denver County Colorado | 71 | $ 21,196,000 | $ 298,000 | $ 108,000 |
| Maury County Tennessee | 71 | $ 13,833,000 | $ 194,000 | $ 62,000 |
| Brazos County Texas | 71 | $ 13,707,000 | $ 193,000 | $ 95,000 |
| Arapahoe County Colorado | 66 | $ 15,359,000 | $ 232,000 | $ 83,000 |
| Parker County Texas | 48 | $ 12,164,000 | $ 253,000 | $ 117,000 |
| Weld County Colorado | 47 | $ 13,069,000 | $ 278,000 | $ 85,000 |
| Wilson County Tennessee | 43 | $ 10,978,000 | $ 255,000 | $ 104,000 |
| Wise County Texas | 42 | $ 10,893,000 | $ 259,000 | $ 104,000 |
| Montgomery County Texas | 41 | $ 10,138,000 | $ 247,000 | $ 119,000 |
| Broomfield County Colorado | 29 | $ 10,567,000 | $ 364,000 | $ 195,000 |
| Brazoria County Texas | 26 | $ 5,553,000 | $ 213,000 | $ 89,000 |
| Sumner County Tennessee | 23 | $ 5,178,000 | $ 225,000 | $ 81,000 |
| Galveston County Texas | 20 | $ 4,399,000 | $ 219,000 | $ 121,000 |
| Douglas County Colorado | 19 | $ 5,700,000 | $ 300,000 | $ 104,000 |
| Bandera County Texas | 19 | $ 4,870,000 | $ 256,000 | $ 110,000 |
| El Paso County Texas | 19 | $ 4,401,000 | $ 231,000 | $ 180,000 |
| Boulder County Colorado | 18 | $ 6,338,000 | $ 352,000 | $ 120,000 |
| Cooke County Texas | 18 | $ 2,706,000 | $ 150,000 | $ 63,000 |
| Wilson County Texas | 18 | $ 5,208,000 | $ 289,000 | $ 101,000 |
| Atascosa County Texas | 17 | $ 3,392,000 | $ 199,000 | $ 94,000 |
| Riverside County California | 16 | $ 5,409,000 | $ 338,000 | $ 94,000 |
| Medina County Texas | 16 | $ 3,273,000 | $ 204,000 | $ 118,000 |
| Marshall County Tennessee | 14 | $ 2,396,000 | $ 171,000 | $ 76,000 |
| Kaufman County Texas | 14 | $ 2,806,000 | $ 200,000 | $ 93,000 |
| Dickson County Tennessee | 12 | $ 2,081,000 | $ 173,000 | $ 85,000 |
| Tom Green County Texas | 12 | $ 2,328,000 | $ 194,000 | $ 110,000 |
| Coffee County Tennessee | 9 | $ 1,409,000 | $ 156,000 | $ 52,000 |
| Ellis County Texas | 9 | $ 2,496,000 | $ 277,000 | $ 109,000 |
| Hood County Texas | 9 | $ 1,857,000 | $ 206,000 | $ 87,000 |
| Nueces County Texas | 9 | $ 1,587,000 | $ 176,000 | $ 112,000 |
| Rockwall County Texas | 9 | $ 2,627,000 | $ 291,000 | $ 95,000 |
| Los Angeles County California | 8 | $ 2,678,000 | $ 334,000 | $ 92,000 |
| El Paso County Colorado | 8 | $ 2,014,000 | $ 251,000 | $ 112,000 |
| Kerr County Texas | 8 | $ 1,560,000 | $ 195,000 | $ 78,000 |
| Llano County Texas | 8 | $ 2,950,000 | $ 368,000 | $ 257,000 |
| Smith County Texas | 8 | $ 1,841,000 | $ 230,000 | $ 119,000 |
| Robertson County Tennessee | 7 | $ 1,224,000 | $ 174,000 | $ 70,000 |
| Bell County Texas | 7 | $ 1,738,000 | $ 248,000 | $ 86,000 |
| Burnet County Texas | 7 | $ 1,625,000 | $ 232,000 | $ 110,000 |
| Lubbock County Texas | 7 | $ 2,190,000 | $ 312,000 | $ 134,000 |
| Bedford County Tennessee | 6 | $ 908,000 | $ 151,000 | $ 55,000 |
| Grayson County Texas | 6 | $ 938,000 | $ 156,000 | $ 72,000 |
| Cheatham County Tennessee | 5 | $ 1,156,000 | $ 231,000 | $ 83,000 |
| Lawrence County Tennessee | 5 | $ 636,000 | $ 127,000 | $ 52,000 |
| Hidalgo County Texas | 5 | $ 648,000 | $ 129,000 | $ 156,000 |
| Waller County Texas | 5 | $ 1,263,000 | $ 252,000 | $ 138,000 |
| Larimer County Colorado | 4 | $ 1,119,000 | $ 279,000 | $ 69,000 |
| Park County Colorado | 4 | $ 1,024,000 | $ 256,000 | $ 97,000 |
| Aransas County Texas | 4 | $ 854,000 | $ 213,000 | $ 207,000 |
| Bastrop County Texas | 4 | $ 1,068,000 | $ 267,000 | $ 129,000 |
| Henderson County Texas | 4 | $ 992,000 | $ 248,000 | $ 124,000 |
| Orange County California | 3 | $ 1,090,000 | $ 363,000 | $ 99,000 |
| Elbert County Colorado | 3 | $ 921,000 | $ 307,000 | $ 146,000 |
| Morgan County Colorado | 3 | $ 504,000 | $ 168,000 | $ 58,000 |
| Lewis County Tennessee | 3 | $ 410,000 | $ 136,000 | $ 31,000 |
| Montgomery County Tennessee | 3 | $ 397,000 | $ 132,000 | $ 131,000 |
| Bee County Texas | 3 | $ 508,000 | $ 169,000 | $ 98,000 |
| Gonzales County Texas | 3 | $ 854,000 | $ 284,000 | $ 130,000 |
| Liberty County Texas | 3 | $ 597,000 | $ 199,000 | $ 58,000 |
| Uvalde County Texas | 3 | $ 798,000 | $ 266,000 | $ 92,000 |
| Maricopa County Arizona | 2 | $ 339,000 | $ 169,000 | $ 89,000 |
| Pinal County Arizona | 2 | $ 290,000 | $ 145,000 | $ 127,000 |
| Clear Creek County Colorado | 2 | $ 548,000 | $ 274,000 | $ 136,000 |
| Gunnison County Colorado | 2 | $ 635,000 | $ 317,000 | $ 92,000 |
| Lake County Colorado | 2 | $ 302,000 | $ 151,000 | $ 109,000 |
| Cannon County Tennessee | 2 | $ 649,000 | $ 324,000 | $ 119,000 |
| Hickman County Tennessee | 2 | $ 426,000 | $ 213,000 | $ 44,000 |
| Knox County Tennessee | 2 | $ 288,000 | $ 144,000 | $ 165,000 |
| Shelby County Tennessee | 2 | $ 267,000 | $ 133,000 | $ 101,000 |
| Blanco County Texas | 2 | $ 316,000 | $ 158,000 | $ 142,000 |
| Caldwell County Texas | 2 | $ 515,000 | $ 257,000 | $ 115,000 |
| Eastland County Texas | 2 | $ 260,000 | $ 130,000 | $ 95,000 |
| Gillespie County Texas | 2 | $ 447,000 | $ 223,000 | $ 247,000 |
| Lampasas County Texas | 2 | $ 157,000 | $ 78,000 | $ 147,000 |
| Mason County Texas | 2 | $ 595,000 | $ 297,000 | $ 117,000 |
| Navarro County Texas | 2 | $ 469,000 | $ 234,000 | $ 75,000 |
| Robertson County Texas | 2 | $ 438,000 | $ 219,000 | $ 71,000 |
| San Patricio County Texas | 2 | $ 260,000 | $ 130,000 | $ 70,000 |
| Sutton County Texas | 2 | $ 421,000 | $ 210,000 | $ 90,000 |
| Washington County Texas | 2 | $ 537,000 | $ 268,000 | $ 113,000 |
| Webb County Texas | 2 | $ 177,000 | $ 88,000 | $ 58,000 |
| Montgomery County Alabama | 1 | $ 252,000 | $ 252,000 | $ 90,000 |
| Alameda County California | 1 | $ 530,000 | $ 530,000 | $ 247,000 |
| Fresno County California | 1 | $ 156,000 | $ 156,000 | $ 63,000 |
| Kings County California | 1 | $ 184,000 | $ 184,000 | $ 279,000 |
| San Bernardino County California | 1 | $ 181,000 | $ 181,000 | $ 30,000 |
| Santa Clara County California | 1 | $ 406,000 | $ 406,000 | $ 124,000 |
| Sonoma County California | 1 | $ 351,000 | $ 351,000 | $ 113,000 |
| Garfield County Colorado | 1 | $ 580,000 | $ 580,000 | $ 239,000 |
| Gilpin County Colorado | 1 | $ 244,000 | $ 244,000 | $ 230,000 |
| Grand County Colorado | 1 | $ 92,000 | $ 92,000 | $ 129,000 |
| La Plata County Colorado | 1 | $ 417,000 | $ 417,000 | $ 150,000 |
| Logan County Colorado | 1 | $ 95,000 | $ 95,000 | $ 18,000 |
| San Miguel County Colorado | 1 | $ 400,000 | $ 400,000 | $ 282,000 |
| Teller County Colorado | 1 | $ 354,000 | $ 354,000 | $ 112,000 |
| Bay County Florida | 1 | $ 266,000 | $ 266,000 | $ 80,000 |
| Gwinnett County Georgia | 1 | $ 218,000 | $ 218,000 | $ 137,000 |
| Colfax County New Mexico | 1 | $ 132,000 | $ 132,000 | $ 185,000 |
| Carter County Oklahoma | 1 | $ 97,000 | $ 97,000 | $ 40,000 |
| Cleveland County Oklahoma | 1 | $ 147,000 | $ 147,000 | $ 85,000 |
| Marshall County Oklahoma | 1 | $ 211,000 | $ 211,000 | $ 158,000 |
| Oklahoma County Oklahoma | 1 | $ 244,000 | $ 244,000 | $ 74,000 |
| Giles County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 111,000 |
| Lincoln County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 93,000 |
| Macon County Tennessee | 1 | $ 168,000 | $ 168,000 | $ 38,000 |
| Putnam County Tennessee | 1 | $ 81,000 | $ 81,000 | $ 43,000 |
| Sevier County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 55,000 |
| Smith County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Warren County Tennessee | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Austin County Texas | 1 | $ 196,000 | $ 196,000 | $ 54,000 |
| Bosque County Texas | 1 | $ 64,000 | $ 64,000 | $ 212,000 |
| Calhoun County Texas | 1 | $ 103,000 | $ 103,000 | $ 321,000 |
| Cass County Texas | 1 | $ 88,000 | $ 88,000 | $ 30,000 |
| Cherokee County Texas | 1 | $ 273,000 | $ 273,000 | $ 127,000 |
| Crane County Texas | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Deaf Smith County Texas | 1 | $ 121,000 | $ 121,000 | $ 58,000 |
| Ector County Texas | 1 | $ 239,000 | $ 239,000 | $ 61,000 |
| Fannin County Texas | 1 | $ 92,000 | $ 92,000 | $ 46,000 |
| Fayette County Texas | 1 | $ 361,000 | $ 361,000 | $ 124,000 |
| Frio County Texas | 1 | $ 94,000 | $ 94,000 | $ 43,000 |
| Gregg County Texas | 1 | $ 227,000 | $ 227,000 | $ 202,000 |
| Harrison County Texas | 1 | $ 275,000 | $ 275,000 | $ 83,000 |
| Hunt County Texas | 1 | $ 188,000 | $ 188,000 | $ 106,000 |
| Jasper County Texas | 1 | $ 215,000 | $ 215,000 | $ 798,000 |
| Jefferson County Texas | 1 | $ 261,000 | $ 261,000 | $ 99,000 |
| Jim Wells County Texas | 1 | $ 186,000 | $ 186,000 | $ 74,000 |
| La Salle County Texas | 1 | $ 248,000 | $ 248,000 | $ 83,000 |
| Lee County Texas | 1 | $ 146,000 | $ 146,000 | $ 74,000 |
| Live Oak County Texas | 1 | $ 71,000 | $ 71,000 | $ 46,000 |
| Matagorda County Texas | 1 | $ 165,000 | $ 165,000 | $ 119,000 |
| Maverick County Texas | 1 | $ 199,000 | $ 199,000 | $ 207,000 |
| McLennan County Texas | 1 | $ 166,000 | $ 166,000 | $ 68,000 |
| Midland County Texas | 1 | $ 285,000 | $ 285,000 | $ 130,000 |
| Palo Pinto County Texas | 1 | $ 337,000 | $ 337,000 | $ 95,000 |
| Randall County Texas | 1 | $ 219,000 | $ 219,000 | $ 54,000 |
| Real County Texas | 1 | $ 244,000 | $ 244,000 | $ 210,000 |
| San Jacinto County Texas | 1 | $ 177,000 | $ 177,000 | $ 74,000 |
| Sterling County Texas | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| Victoria County Texas | 1 | $ 210,000 | $ 210,000 | $ 156,000 |
| Zavala County Texas | 1 | $ 148,000 | $ 148,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. in 2016
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 | 5,265 | $1,319,711,000 | $250,000 | $1,800,000 | $112,000 | $1,794,000 |
| Refinancing | 1,163 | $323,882,000 | $278,000 | $1,990,000 | $132,000 | $2,808,000 |
| 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 | 4,220 | $1,096,934,000 | $259,000 | $1,990,000 | $121,000 | $2,808,000 |
| Hispanic | 1,105 | $246,741,000 | $223,000 | $1,079,000 | $93,000 | $1,031,000 |
| Not Provided | 581 | $161,038,000 | $277,000 | $1,101,000 | $119,000 | $1,013,000 |
| Black or African American | 274 | $70,932,000 | $258,000 | $867,000 | $95,000 | $536,000 |
| Asian | 212 | $58,160,000 | $274,000 | $1,350,000 | $128,000 | $1,222,000 |
| American Indian or Alaskan Native | 25 | $6,119,000 | $244,000 | $984,000 | $139,000 | $774,000 |
| Native Hawaiin or Other Pacific Islander | 11 | $3,669,000 | $333,000 | $677,000 | $102,000 | $247,000 |
| 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) | 3,822 | $1,012,008,000 | $264,000 | $1,990,000 | $138,000 | $2,808,000 |
| FHA-insured (Federal Housing Administration) | 1,569 | $341,221,000 | $217,000 | $591,000 | $79,000 | $518,000 |
| VA-guaranteed (Veterans Administration) | 955 | $276,561,000 | $289,000 | $1,038,000 | $91,000 | $536,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $13,803,000 | $168,000 | $288,000 | $55,000 | $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 | 4,967 | $1,254,342,000 | $252,000 | $1,990,000 | $113,000 | $2,808,000 |
| Application Withdrawn By Applicant | 886 | $239,177,000 | $269,000 | $1,800,000 | $128,000 | $1,692,000 |
| Application Approved But Not Accepted | 406 | $106,776,000 | $262,000 | $1,625,000 | $118,000 | $1,383,000 |
| Application Denied By Financial Institution | 169 | $43,298,000 | $256,000 | $1,850,000 | $109,000 | $488,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 55 | $18,200,000 | $330,000 | $1,850,000 | $113,000 | $484,000 |
| Credit History | 32 | $7,392,000 | $231,000 | $588,000 | $124,000 | $294,000 |
| Collateral | 29 | $6,139,000 | $211,000 | $591,000 | $116,000 | $326,000 |
| Employment History | 18 | $4,138,000 | $229,000 | $417,000 | $81,000 | $144,000 |
| Unverifiable Information | 18 | $3,865,000 | $214,000 | $417,000 | $85,000 | $204,000 |
| Other | 13 | $3,113,000 | $239,000 | $578,000 | $131,000 | $488,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $451,000 | $112,000 | $157,000 | $42,000 | $65,000 |
| 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 2016 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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