Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Gardner Financial Services, Ltd. 2018 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 | 6,783 |
| Total Mortgage Loan Application Amount | $1,692,055,000 |
| Average Mortgage Loan Application Amount | $254,333 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $126,333 |
| Highest Applicant Income | $2,739,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,924 | $ 443,310,000 | $ 230,000 | $ 104,000 |
| Tarrant County Texas | 491 | $ 120,625,000 | $ 245,000 | $ 118,000 |
| Travis County Texas | 381 | $ 120,375,000 | $ 315,000 | $ 152,000 |
| Harris County Texas | 357 | $ 91,905,000 | $ 257,000 | $ 119,000 |
| Rutherford County Tennessee | 309 | $ 71,115,000 | $ 230,000 | $ 83,000 |
| Williamson County Texas | 266 | $ 69,450,000 | $ 261,000 | $ 114,000 |
| Dallas County Texas | 246 | $ 67,830,000 | $ 275,000 | $ 129,000 |
| Comal County Texas | 231 | $ 70,505,000 | $ 305,000 | $ 131,000 |
| Guadalupe County Texas | 224 | $ 55,140,000 | $ 246,000 | $ 98,000 |
| Davidson County Tennessee | 185 | $ 46,525,000 | $ 251,000 | $ 94,000 |
| Denton County Texas | 150 | $ 40,100,000 | $ 267,000 | $ 108,000 |
| El Paso County Texas | 149 | $ 28,335,000 | $ 190,000 | $ 91,000 |
| Collin County Texas | 119 | $ 34,675,000 | $ 291,000 | $ 129,000 |
| Williamson County Tennessee | 91 | $ 31,285,000 | $ 343,000 | $ 128,000 |
| Maury County Tennessee | 86 | $ 18,990,000 | $ 220,000 | $ 70,000 |
| Brazos County Texas | 80 | $ 20,020,000 | $ 250,000 | $ 157,000 |
| Hays County Texas | 69 | $ 17,845,000 | $ 258,000 | $ 119,000 |
| Fort Bend County Texas | 66 | $ 15,730,000 | $ 238,000 | $ 124,000 |
| Montgomery County Tennessee | 59 | $ 11,065,000 | $ 187,000 | $ 65,000 |
| Kendall County Texas | 59 | $ 18,205,000 | $ 308,000 | $ 124,000 |
| Johnson County Texas | 56 | $ 13,050,000 | $ 233,000 | $ 104,000 |
| Jefferson County Colorado | 52 | $ 18,870,000 | $ 362,000 | $ 158,000 |
| Parker County Texas | 47 | $ 12,605,000 | $ 268,000 | $ 122,000 |
| Wilson County Texas | 47 | $ 12,905,000 | $ 274,000 | $ 97,000 |
| Sumner County Tennessee | 43 | $ 10,445,000 | $ 242,000 | $ 80,000 |
| Wise County Texas | 35 | $ 9,885,000 | $ 282,000 | $ 105,000 |
| Lawrence County Tennessee | 34 | $ 4,130,000 | $ 121,000 | $ 54,000 |
| Marshall County Tennessee | 34 | $ 6,030,000 | $ 177,000 | $ 66,000 |
| Medina County Texas | 34 | $ 10,370,000 | $ 305,000 | $ 121,000 |
| Adams County Colorado | 33 | $ 10,245,000 | $ 310,000 | $ 83,000 |
| Montgomery County Texas | 33 | $ 8,255,000 | $ 250,000 | $ 110,000 |
| Wilson County Tennessee | 30 | $ 8,020,000 | $ 267,000 | $ 106,000 |
| Brazoria County Texas | 26 | $ 5,490,000 | $ 211,000 | $ 130,000 |
| Bandera County Texas | 24 | $ 5,770,000 | $ 240,000 | $ 87,000 |
| Kaufman County Texas | 24 | $ 5,200,000 | $ 216,000 | $ 80,000 |
| Denver County Colorado | 20 | $ 7,020,000 | $ 351,000 | $ 141,000 |
| Sandoval County New Mexico | 20 | $ 4,220,000 | $ 211,000 | $ 94,000 |
| Bell County Texas | 20 | $ 3,880,000 | $ 194,000 | $ 74,000 |
| Dickson County Tennessee | 19 | $ 3,445,000 | $ 181,000 | $ 70,000 |
| Oklahoma County Oklahoma | 18 | $ 3,250,000 | $ 180,000 | $ 85,000 |
| Robertson County Tennessee | 18 | $ 3,780,000 | $ 210,000 | $ 65,000 |
| Galveston County Texas | 18 | $ 4,830,000 | $ 268,000 | $ 215,000 |
| Arapahoe County Colorado | 17 | $ 5,285,000 | $ 310,000 | $ 98,000 |
| Bedford County Tennessee | 17 | $ 3,475,000 | $ 204,000 | $ 69,000 |
| Atascosa County Texas | 17 | $ 3,795,000 | $ 223,000 | $ 90,000 |
| Hood County Texas | 17 | $ 4,405,000 | $ 259,000 | $ 125,000 |
| Cheatham County Tennessee | 16 | $ 3,440,000 | $ 215,000 | $ 67,000 |
| Ellis County Texas | 16 | $ 3,480,000 | $ 217,000 | $ 90,000 |
| Weld County Colorado | 15 | $ 4,155,000 | $ 277,000 | $ 96,000 |
| Bernalillo County New Mexico | 15 | $ 2,715,000 | $ 181,000 | $ 76,000 |
| Nueces County Texas | 14 | $ 3,810,000 | $ 272,000 | $ 285,000 |
| Rockwall County Texas | 14 | $ 4,230,000 | $ 302,000 | $ 131,000 |
| Cooke County Texas | 13 | $ 2,965,000 | $ 228,000 | $ 93,000 |
| Kerr County Texas | 12 | $ 2,110,000 | $ 175,000 | $ 77,000 |
| Cleveland County Oklahoma | 11 | $ 1,395,000 | $ 126,000 | $ 91,000 |
| Grayson County Texas | 11 | $ 2,525,000 | $ 229,000 | $ 87,000 |
| Bastrop County Texas | 10 | $ 1,970,000 | $ 197,000 | $ 112,000 |
| Tom Green County Texas | 10 | $ 2,060,000 | $ 206,000 | $ 105,000 |
| Hickman County Tennessee | 9 | $ 1,665,000 | $ 185,000 | $ 68,000 |
| Douglas County Colorado | 8 | $ 3,150,000 | $ 393,000 | $ 114,000 |
| Christian County Kentucky | 8 | $ 820,000 | $ 102,000 | $ 53,000 |
| Grimes County Texas | 7 | $ 2,085,000 | $ 297,000 | $ 86,000 |
| Lampasas County Texas | 7 | $ 1,405,000 | $ 200,000 | $ 70,000 |
| Van Zandt County Texas | 7 | $ 1,095,000 | $ 156,000 | $ 79,000 |
| Waller County Texas | 7 | $ 1,395,000 | $ 199,000 | $ 104,000 |
| El Paso County Colorado | 6 | $ 1,760,000 | $ 293,000 | $ 99,000 |
| Cannon County Tennessee | 6 | $ 1,210,000 | $ 201,000 | $ 54,000 |
| Coffee County Tennessee | 6 | $ 1,210,000 | $ 201,000 | $ 66,000 |
| Hamilton County Tennessee | 6 | $ 1,100,000 | $ 183,000 | $ 67,000 |
| McLennan County Texas | 6 | $ 1,080,000 | $ 180,000 | $ 150,000 |
| Caldwell County Texas | 5 | $ 1,245,000 | $ 249,000 | $ 143,000 |
| Henderson County Texas | 5 | $ 1,305,000 | $ 261,000 | $ 126,000 |
| Midland County Texas | 5 | $ 1,445,000 | $ 289,000 | $ 136,000 |
| Palo Pinto County Texas | 5 | $ 1,185,000 | $ 237,000 | $ 340,000 |
| Broomfield County Colorado | 4 | $ 1,060,000 | $ 265,000 | $ 175,000 |
| Larimer County Colorado | 4 | $ 1,420,000 | $ 355,000 | $ 90,000 |
| Dona Ana County New Mexico | 4 | $ 840,000 | $ 210,000 | $ 75,000 |
| Franklin County Tennessee | 4 | $ 890,000 | $ 222,000 | $ 72,000 |
| Sullivan County Tennessee | 4 | $ 680,000 | $ 170,000 | $ 58,000 |
| Warren County Tennessee | 4 | $ 510,000 | $ 127,000 | $ 63,000 |
| Blanco County Texas | 4 | $ 1,180,000 | $ 295,000 | $ 176,000 |
| Burnet County Texas | 4 | $ 1,620,000 | $ 405,000 | $ 176,000 |
| Hidalgo County Texas | 4 | $ 740,000 | $ 185,000 | $ 84,000 |
| Hill County Texas | 4 | $ 570,000 | $ 142,000 | $ 64,000 |
| Hunt County Texas | 4 | $ 540,000 | $ 135,000 | $ 96,000 |
| Montague County Texas | 4 | $ 940,000 | $ 235,000 | $ 60,000 |
| San Patricio County Texas | 4 | $ 1,460,000 | $ 365,000 | $ 245,000 |
| Maricopa County Arizona | 3 | $ 725,000 | $ 241,000 | $ 120,000 |
| Boulder County Colorado | 3 | $ 925,000 | $ 308,000 | $ 114,000 |
| Park County Colorado | 3 | $ 1,215,000 | $ 405,000 | $ 102,000 |
| Tulsa County Oklahoma | 3 | $ 615,000 | $ 205,000 | $ 69,000 |
| Greene County Tennessee | 3 | $ 385,000 | $ 128,000 | $ 42,000 |
| Trousdale County Tennessee | 3 | $ 795,000 | $ 265,000 | $ 75,000 |
| Wayne County Tennessee | 3 | $ 485,000 | $ 161,000 | $ 39,000 |
| Angelina County Texas | 3 | $ 515,000 | $ 171,000 | $ 78,000 |
| Aransas County Texas | 3 | $ 655,000 | $ 218,000 | $ 205,000 |
| Colorado County Texas | 3 | $ 625,000 | $ 208,000 | $ 137,000 |
| Gillespie County Texas | 3 | $ 915,000 | $ 305,000 | $ 98,000 |
| Gonzales County Texas | 3 | $ 435,000 | $ 145,000 | $ 62,000 |
| Llano County Texas | 3 | $ 765,000 | $ 255,000 | $ 75,000 |
| Smith County Texas | 3 | $ 405,000 | $ 135,000 | $ 95,000 |
| Walker County Texas | 3 | $ 885,000 | $ 295,000 | $ 136,000 |
| Webb County Texas | 3 | $ 425,000 | $ 141,000 | $ 49,000 |
| Pima County Arizona | 2 | $ 190,000 | $ 95,000 | $ 153,000 |
| Santa Clara County California | 2 | $ 700,000 | $ 350,000 | $ 93,000 |
| Grand County Colorado | 2 | $ 820,000 | $ 410,000 | $ 279,000 |
| Fulton County Georgia | 2 | $ 590,000 | $ 295,000 | $ 89,000 |
| Paulding County Georgia | 2 | $ 410,000 | $ 205,000 | $ 56,000 |
| Putnam County Georgia | 2 | $ 310,000 | $ 155,000 | $ 62,000 |
| Canadian County Oklahoma | 2 | $ 270,000 | $ 135,000 | $ 44,000 |
| Garvin County Oklahoma | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| Grady County Oklahoma | 2 | $ 360,000 | $ 180,000 | $ 104,000 |
| McClain County Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| DeKalb County Tennessee | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| Giles County Tennessee | 2 | $ 240,000 | $ 120,000 | $ 39,000 |
| Lincoln County Tennessee | 2 | $ 220,000 | $ 110,000 | $ 30,000 |
| Monroe County Tennessee | 2 | $ 330,000 | $ 165,000 | $ 52,000 |
| Shelby County Tennessee | 2 | $ 500,000 | $ 250,000 | $ 102,000 |
| Cameron County Texas | 2 | $ 300,000 | $ 150,000 | $ 136,000 |
| Comanche County Texas | 2 | $ 280,000 | $ 140,000 | $ 54,000 |
| Coryell County Texas | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Ector County Texas | 2 | $ 220,000 | $ 110,000 | $ 135,000 |
| Lee County Texas | 2 | $ 660,000 | $ 330,000 | $ 95,000 |
| Lubbock County Texas | 2 | $ 670,000 | $ 335,000 | $ 109,000 |
| Orange County Texas | 2 | $ 420,000 | $ 210,000 | $ 90,000 |
| Randall County Texas | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Somervell County Texas | 2 | $ 580,000 | $ 290,000 | $ 130,000 |
| Wood County Texas | 2 | $ 440,000 | $ 220,000 | $ 103,000 |
| Jefferson County Alabama | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| St. Clair County Alabama | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Pinal County Arizona | 1 | $ 295,000 | $ 295,000 | $ 86,000 |
| Lake County California | 1 | $ 155,000 | $ 155,000 | $ 106,000 |
| Los Angeles County California | 1 | $ 595,000 | $ 595,000 | $ 356,000 |
| Napa County California | 1 | $ 995,000 | $ 995,000 | $ 739,000 |
| Riverside County California | 1 | $ 325,000 | $ 325,000 | $ 86,000 |
| San Bernardino County California | 1 | $ 125,000 | $ 125,000 | $ 0 |
| San Diego County California | 1 | $ 585,000 | $ 585,000 | $ 109,000 |
| Stanislaus County California | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Archuleta County Colorado | 1 | $ 385,000 | $ 385,000 | $ 205,000 |
| Clear Creek County Colorado | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Delta County Colorado | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Huerfano County Colorado | 1 | $ 255,000 | $ 255,000 | $ 678,000 |
| Montrose County Colorado | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Morgan County Colorado | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Pueblo County Colorado | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| Alachua County Florida | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Brevard County Florida | 1 | $ 365,000 | $ 365,000 | $ 243,000 |
| Hillsborough County Florida | 1 | $ 385,000 | $ 385,000 | $ 146,000 |
| Manatee County Florida | 1 | $ 775,000 | $ 775,000 | $ 353,000 |
| Okaloosa County Florida | 1 | $ 85,000 | $ 85,000 | $ 192,000 |
| Palm Beach County Florida | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Pasco County Florida | 1 | $ 285,000 | $ 285,000 | $ 249,000 |
| St. Johns County Florida | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Walton County Florida | 1 | $ 435,000 | $ 435,000 | $ 209,000 |
| Bibb County Georgia | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Camden County Georgia | 1 | $ 325,000 | $ 325,000 | $ 80,000 |
| Clarke County Georgia | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Cobb County Georgia | 1 | $ 175,000 | $ 175,000 | $ 35,000 |
| Hopkins County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Chaves County New Mexico | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Eddy County New Mexico | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Lincoln County New Mexico | 1 | $ 335,000 | $ 335,000 | $ 165,000 |
| Taos County New Mexico | 1 | $ 255,000 | $ 255,000 | $ 123,000 |
| Payne County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Wagoner County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 130,000 |
| Woodward County Oklahoma | 1 | $ 455,000 | $ 455,000 | $ 215,000 |
| Carter County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Henry County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 170,000 |
| Humphreys County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 43,000 |
| Lewis County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 71,000 |
| Macon County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 85,000 |
| Madison County Tennessee | 1 | $ 385,000 | $ 385,000 | $ 204,000 |
| Moore County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Putnam County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 361,000 |
| Sevier County Tennessee | 1 | $ 455,000 | $ 455,000 | $ 376,000 |
| Smith County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Tipton County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Washington County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| White County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Anderson County Texas | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Austin County Texas | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Bosque County Texas | 1 | $ 325,000 | $ 325,000 | $ 103,000 |
| Cherokee County Texas | 1 | $ 155,000 | $ 155,000 | $ 202,000 |
| Crockett County Texas | 1 | $ 155,000 | $ 155,000 | $ 144,000 |
| Dimmit County Texas | 1 | $ 135,000 | $ 135,000 | $ 105,000 |
| Eastland County Texas | 1 | $ 85,000 | $ 85,000 | $ 29,000 |
| Fannin County Texas | 1 | $ 325,000 | $ 325,000 | $ 105,000 |
| Floyd County Texas | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Jack County Texas | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Jefferson County Texas | 1 | $ 215,000 | $ 215,000 | $ 156,000 |
| Kleberg County Texas | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Lamb County Texas | 1 | $ 175,000 | $ 175,000 | $ 86,000 |
| Liberty County Texas | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Madison County Texas | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Matagorda County Texas | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Panola County Texas | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Robertson County Texas | 1 | $ 285,000 | $ 285,000 | $ 115,000 |
| San Jacinto County Texas | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Uvalde County Texas | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Val Verde County Texas | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Victoria County Texas | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Washington County Texas | 1 | $ 145,000 | $ 145,000 | $ 45,000 |
| Wharton County Texas | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| King George County Virginia | 1 | $ 325,000 | $ 325,000 | $ 107,000 |
| Kitsap County Washington | 1 | $ 645,000 | $ 645,000 | $ 240,000 |
| Spokane County Washington | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. in 2018
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 | 6,186 | $1,539,350,000 | $248,000 | $2,125,000 | $108,000 | $2,739,000 |
| Cash-out Refinancing | 331 | $78,065,000 | $235,000 | $905,000 | $132,000 | $1,580,000 |
| Refinancing | 266 | $74,640,000 | $280,000 | $1,685,000 | $139,000 | $1,702,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 4,129 | $1,084,305,000 | $262,000 | $2,125,000 | $120,000 | $2,739,000 |
| Hispanic | 1,437 | $308,365,000 | $214,000 | $825,000 | $88,000 | $904,000 |
| Not Provided | 583 | $146,395,000 | $251,000 | $1,045,000 | $107,000 | $532,000 |
| Black or African American | 402 | $95,910,000 | $238,000 | $695,000 | $90,000 | $570,000 |
| Asian | 185 | $46,295,000 | $250,000 | $975,000 | $123,000 | $534,000 |
| American Indian or Alaskan Native | 38 | $8,720,000 | $229,000 | $595,000 | $100,000 | $356,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,210,000 | $201,000 | $245,000 | $88,000 | $133,000 |
| 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) | 4,151 | $1,082,025,000 | $260,000 | $2,125,000 | $128,000 | $2,739,000 |
| FHA-insured (Federal Housing Administration) | 1,660 | $347,780,000 | $209,000 | $595,000 | $75,000 | $904,000 |
| VA-guaranteed (Veterans Administration) | 896 | $248,120,000 | $276,000 | $785,000 | $96,000 | $630,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $14,130,000 | $185,000 | $335,000 | $63,000 | $112,000 |
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 | 5,025 | $1,252,765,000 | $249,000 | $1,685,000 | $110,000 | $2,739,000 |
| Application Withdrawn By Applicant | 1,381 | $349,435,000 | $253,000 | $2,125,000 | $114,000 | $1,702,000 |
| Application Denied By Financial Institution | 172 | $38,220,000 | $222,000 | $755,000 | $75,000 | $389,000 |
| Application Approved But Not Accepted | 155 | $39,655,000 | $255,000 | $1,045,000 | $113,000 | $452,000 |
| File Closed For Incompleteness | 50 | $11,980,000 | $239,000 | $725,000 | $102,000 | $442,000 |
| 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 | 6,611 | $1,653,835,000 | $250,000 | $2,125,000 | $111,000 | $2,739,000 |
| Debt-To-Income Ratio | 62 | $14,110,000 | $227,000 | $745,000 | $63,000 | $215,000 |
| Credit History | 27 | $6,025,000 | $223,000 | $495,000 | $76,000 | $159,000 |
| Collateral | 24 | $5,040,000 | $210,000 | $455,000 | $120,000 | $389,000 |
| Employment History | 21 | $4,715,000 | $224,000 | $385,000 | $72,000 | $136,000 |
| Other | 19 | $4,565,000 | $240,000 | $755,000 | $77,000 | $286,000 |
| Unverifiable Information | 12 | $2,430,000 | $202,000 | $305,000 | $65,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,335,000 | $190,000 | $265,000 | $52,000 | $95,000 |
| 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 2018 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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