Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Gardner Financial Services, Ltd. 2019 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 | 6,709 |
| Total Mortgage Loan Application Amount | $1,799,405,000 |
| Average Mortgage Loan Application Amount | $275,333 |
| Highest Mortgage Loan Application Amount | $1,955,000 |
| Average Applicant Income | $125,666 |
| Highest Applicant Income | $2,714,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,795 | $ 436,965,000 | $ 243,000 | $ 103,000 |
| Travis County Texas | 483 | $ 164,085,000 | $ 339,000 | $ 149,000 |
| Williamson County Texas | 401 | $ 108,445,000 | $ 270,000 | $ 114,000 |
| Tarrant County Texas | 353 | $ 97,695,000 | $ 276,000 | $ 132,000 |
| Harris County Texas | 310 | $ 81,220,000 | $ 262,000 | $ 130,000 |
| Davidson County Tennessee | 254 | $ 72,240,000 | $ 284,000 | $ 122,000 |
| Dallas County Texas | 201 | $ 66,635,000 | $ 331,000 | $ 175,000 |
| Guadalupe County Texas | 199 | $ 47,315,000 | $ 237,000 | $ 100,000 |
| Rutherford County Tennessee | 197 | $ 51,025,000 | $ 259,000 | $ 90,000 |
| Comal County Texas | 197 | $ 62,245,000 | $ 315,000 | $ 127,000 |
| El Paso County Texas | 168 | $ 30,950,000 | $ 184,000 | $ 86,000 |
| Mesa County Colorado | 127 | $ 31,065,000 | $ 244,000 | $ 80,000 |
| Maury County Tennessee | 113 | $ 24,725,000 | $ 218,000 | $ 74,000 |
| Williamson County Tennessee | 108 | $ 41,720,000 | $ 386,000 | $ 140,000 |
| Hays County Texas | 98 | $ 29,000,000 | $ 295,000 | $ 124,000 |
| Collin County Texas | 96 | $ 29,330,000 | $ 305,000 | $ 139,000 |
| Brazos County Texas | 83 | $ 20,705,000 | $ 249,000 | $ 127,000 |
| Jefferson County Colorado | 80 | $ 28,830,000 | $ 360,000 | $ 122,000 |
| Wilson County Tennessee | 72 | $ 20,840,000 | $ 289,000 | $ 121,000 |
| Kendall County Texas | 71 | $ 24,655,000 | $ 347,000 | $ 162,000 |
| Johnson County Texas | 68 | $ 16,870,000 | $ 248,000 | $ 124,000 |
| Denton County Texas | 66 | $ 18,170,000 | $ 275,000 | $ 148,000 |
| Fort Bend County Texas | 56 | $ 14,560,000 | $ 260,000 | $ 119,000 |
| Lawrence County Tennessee | 55 | $ 8,945,000 | $ 162,000 | $ 61,000 |
| Adams County Colorado | 47 | $ 15,465,000 | $ 329,000 | $ 94,000 |
| Parker County Texas | 46 | $ 13,710,000 | $ 298,000 | $ 154,000 |
| Wilson County Texas | 44 | $ 12,470,000 | $ 283,000 | $ 115,000 |
| Sumner County Tennessee | 43 | $ 10,435,000 | $ 242,000 | $ 83,000 |
| Montgomery County Texas | 39 | $ 10,705,000 | $ 274,000 | $ 125,000 |
| Bell County Texas | 38 | $ 8,040,000 | $ 211,000 | $ 90,000 |
| Denver County Colorado | 30 | $ 11,100,000 | $ 370,000 | $ 126,000 |
| Bernalillo County New Mexico | 24 | $ 6,320,000 | $ 263,000 | $ 125,000 |
| Marshall County Tennessee | 24 | $ 5,040,000 | $ 210,000 | $ 61,000 |
| Medina County Texas | 22 | $ 7,280,000 | $ 330,000 | $ 113,000 |
| Tom Green County Texas | 22 | $ 4,300,000 | $ 195,000 | $ 74,000 |
| Garfield County Colorado | 21 | $ 5,235,000 | $ 249,000 | $ 92,000 |
| Montgomery County Tennessee | 18 | $ 3,320,000 | $ 184,000 | $ 65,000 |
| Atascosa County Texas | 18 | $ 4,110,000 | $ 228,000 | $ 88,000 |
| Bandera County Texas | 18 | $ 3,560,000 | $ 197,000 | $ 73,000 |
| Arapahoe County Colorado | 17 | $ 5,045,000 | $ 296,000 | $ 72,000 |
| Sandoval County New Mexico | 17 | $ 3,245,000 | $ 190,000 | $ 72,000 |
| Robertson County Tennessee | 16 | $ 3,350,000 | $ 209,000 | $ 64,000 |
| Hood County Texas | 16 | $ 4,410,000 | $ 275,000 | $ 160,000 |
| Kaufman County Texas | 16 | $ 3,920,000 | $ 245,000 | $ 76,000 |
| Weld County Colorado | 15 | $ 4,315,000 | $ 287,000 | $ 72,000 |
| Cheatham County Tennessee | 15 | $ 3,205,000 | $ 213,000 | $ 65,000 |
| Bastrop County Texas | 14 | $ 3,370,000 | $ 240,000 | $ 120,000 |
| Nueces County Texas | 14 | $ 3,630,000 | $ 259,000 | $ 230,000 |
| Coffee County Tennessee | 13 | $ 2,135,000 | $ 164,000 | $ 104,000 |
| Dickson County Tennessee | 12 | $ 2,960,000 | $ 246,000 | $ 84,000 |
| Ellis County Texas | 12 | $ 3,230,000 | $ 269,000 | $ 108,000 |
| Brazoria County Texas | 11 | $ 2,515,000 | $ 228,000 | $ 99,000 |
| Kerr County Texas | 11 | $ 3,005,000 | $ 273,000 | $ 92,000 |
| Douglas County Colorado | 10 | $ 3,880,000 | $ 388,000 | $ 96,000 |
| Rockwall County Texas | 10 | $ 3,250,000 | $ 325,000 | $ 118,000 |
| Hickman County Tennessee | 8 | $ 1,380,000 | $ 172,000 | $ 59,000 |
| Galveston County Texas | 8 | $ 2,310,000 | $ 288,000 | $ 202,000 |
| Broomfield County Colorado | 7 | $ 2,635,000 | $ 376,000 | $ 125,000 |
| El Paso County Colorado | 7 | $ 2,145,000 | $ 306,000 | $ 92,000 |
| Aransas County Texas | 7 | $ 1,325,000 | $ 189,000 | $ 181,000 |
| Cameron County Texas | 7 | $ 845,000 | $ 120,000 | $ 60,000 |
| Grimes County Texas | 7 | $ 1,325,000 | $ 189,000 | $ 69,000 |
| Smith County Texas | 7 | $ 1,195,000 | $ 170,000 | $ 177,000 |
| Dona Ana County New Mexico | 6 | $ 1,550,000 | $ 258,000 | $ 96,000 |
| Hamilton County Tennessee | 6 | $ 1,040,000 | $ 173,000 | $ 98,000 |
| Lewis County Tennessee | 6 | $ 1,340,000 | $ 223,000 | $ 85,000 |
| Sullivan County Tennessee | 6 | $ 770,000 | $ 128,000 | $ 38,000 |
| Caldwell County Texas | 6 | $ 1,100,000 | $ 183,000 | $ 112,000 |
| Waller County Texas | 6 | $ 1,410,000 | $ 235,000 | $ 112,000 |
| Delta County Colorado | 5 | $ 795,000 | $ 159,000 | $ 39,000 |
| Bedford County Tennessee | 5 | $ 1,125,000 | $ 225,000 | $ 61,000 |
| Franklin County Tennessee | 5 | $ 1,005,000 | $ 201,000 | $ 80,000 |
| Blanco County Texas | 5 | $ 1,455,000 | $ 291,000 | $ 100,000 |
| Lubbock County Texas | 5 | $ 1,165,000 | $ 233,000 | $ 167,000 |
| Maricopa County Arizona | 4 | $ 1,260,000 | $ 315,000 | $ 174,000 |
| Boulder County Colorado | 4 | $ 1,250,000 | $ 312,000 | $ 96,000 |
| Routt County Colorado | 4 | $ 950,000 | $ 237,000 | $ 148,000 |
| Broward County Florida | 4 | $ 670,000 | $ 167,000 | $ 117,000 |
| Cannon County Tennessee | 4 | $ 740,000 | $ 185,000 | $ 60,000 |
| DeKalb County Tennessee | 4 | $ 750,000 | $ 187,000 | $ 71,000 |
| Lincoln County Tennessee | 4 | $ 650,000 | $ 162,000 | $ 53,000 |
| Putnam County Tennessee | 4 | $ 960,000 | $ 240,000 | $ 170,000 |
| Washington County Tennessee | 4 | $ 480,000 | $ 120,000 | $ 36,000 |
| Austin County Texas | 4 | $ 990,000 | $ 247,000 | $ 91,000 |
| Burnet County Texas | 4 | $ 990,000 | $ 247,000 | $ 83,000 |
| Ector County Texas | 4 | $ 730,000 | $ 182,000 | $ 88,000 |
| Grayson County Texas | 4 | $ 790,000 | $ 197,000 | $ 63,000 |
| Hidalgo County Texas | 4 | $ 790,000 | $ 197,000 | $ 88,000 |
| Clear Creek County Colorado | 3 | $ 865,000 | $ 288,000 | $ 64,000 |
| Grand County Colorado | 3 | $ 1,345,000 | $ 448,000 | $ 281,000 |
| Larimer County Colorado | 3 | $ 745,000 | $ 248,000 | $ 51,000 |
| Brevard County Florida | 3 | $ 685,000 | $ 228,000 | $ 93,000 |
| Knox County Tennessee | 3 | $ 675,000 | $ 225,000 | $ 89,000 |
| Smith County Tennessee | 3 | $ 605,000 | $ 201,000 | $ 86,000 |
| Wayne County Tennessee | 3 | $ 385,000 | $ 128,000 | $ 50,000 |
| Eastland County Texas | 3 | $ 505,000 | $ 168,000 | $ 105,000 |
| Gillespie County Texas | 3 | $ 865,000 | $ 288,000 | $ 134,000 |
| Taylor County Texas | 3 | $ 525,000 | $ 175,000 | $ 47,000 |
| Wichita County Texas | 3 | $ 825,000 | $ 275,000 | $ 319,000 |
| Pima County Arizona | 2 | $ 510,000 | $ 255,000 | $ 70,000 |
| Santa Clara County California | 2 | $ 1,030,000 | $ 515,000 | $ 94,000 |
| Yolo County California | 2 | $ 430,000 | $ 215,000 | $ 48,000 |
| Elbert County Colorado | 2 | $ 520,000 | $ 260,000 | $ 69,000 |
| Montrose County Colorado | 2 | $ 340,000 | $ 170,000 | $ 47,000 |
| Summit County Colorado | 2 | $ 1,040,000 | $ 520,000 | $ 202,000 |
| Hillsborough County Florida | 2 | $ 750,000 | $ 375,000 | $ 133,000 |
| Walton County Florida | 2 | $ 1,440,000 | $ 720,000 | $ 719,000 |
| Fayette County Georgia | 2 | $ 870,000 | $ 435,000 | $ 130,000 |
| Paulding County Georgia | 2 | $ 570,000 | $ 285,000 | $ 65,000 |
| Jackson County Missouri | 2 | $ 370,000 | $ 185,000 | $ 106,000 |
| Santa Fe County New Mexico | 2 | $ 540,000 | $ 270,000 | $ 167,000 |
| Tulsa County Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 207,000 |
| Giles County Tennessee | 2 | $ 340,000 | $ 170,000 | $ 50,000 |
| Humphreys County Tennessee | 2 | $ 280,000 | $ 140,000 | $ 42,000 |
| Moore County Tennessee | 2 | $ 390,000 | $ 195,000 | $ 157,000 |
| Roane County Tennessee | 2 | $ 390,000 | $ 195,000 | $ 48,000 |
| Sevier County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 94,000 |
| Warren County Tennessee | 2 | $ 370,000 | $ 185,000 | $ 50,000 |
| Brown County Texas | 2 | $ 300,000 | $ 150,000 | $ 84,000 |
| Cooke County Texas | 2 | $ 710,000 | $ 355,000 | $ 134,000 |
| Fayette County Texas | 2 | $ 660,000 | $ 330,000 | $ 109,000 |
| Gaines County Texas | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Gonzales County Texas | 2 | $ 380,000 | $ 190,000 | $ 83,000 |
| McLennan County Texas | 2 | $ 250,000 | $ 125,000 | $ 95,000 |
| Milam County Texas | 2 | $ 380,000 | $ 190,000 | $ 54,000 |
| Palo Pinto County Texas | 2 | $ 350,000 | $ 175,000 | $ 100,000 |
| Potter County Texas | 2 | $ 110,000 | $ 55,000 | $ 79,000 |
| San Patricio County Texas | 2 | $ 770,000 | $ 385,000 | $ 154,000 |
| Val Verde County Texas | 2 | $ 400,000 | $ 200,000 | $ 86,000 |
| Van Zandt County Texas | 2 | $ 350,000 | $ 175,000 | $ 73,000 |
| Walker County Texas | 2 | $ 440,000 | $ 220,000 | $ 110,000 |
| Washington County Texas | 2 | $ 560,000 | $ 280,000 | $ 151,000 |
| Webb County Texas | 2 | $ 370,000 | $ 185,000 | $ 58,000 |
| Clark County Washington | 2 | $ 750,000 | $ 375,000 | $ 100,000 |
| King County Washington | 2 | $ 840,000 | $ 420,000 | $ 360,000 |
| Pierce County Washington | 2 | $ 970,000 | $ 485,000 | $ 512,000 |
| Baldwin County Alabama | 1 | $ 385,000 | $ 385,000 | $ 180,000 |
| Cullman County Alabama | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| Elmore County Alabama | 1 | $ 305,000 | $ 305,000 | $ 340,000 |
| Jefferson County Alabama | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Limestone County Alabama | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Madison County Alabama | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Marshall County Alabama | 1 | $ 555,000 | $ 555,000 | $ 235,000 |
| Pinal County Arizona | 1 | $ 265,000 | $ 265,000 | $ 113,000 |
| Yavapai County Arizona | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Los Angeles County California | 1 | $ 335,000 | $ 335,000 | $ 44,000 |
| Orange County California | 1 | $ 1,005,000 | $ 1,005,000 | $ 35,000 |
| Sacramento County California | 1 | $ 235,000 | $ 235,000 | $ 131,000 |
| San Diego County California | 1 | $ 565,000 | $ 565,000 | $ 125,000 |
| Archuleta County Colorado | 1 | $ 485,000 | $ 485,000 | $ 135,000 |
| Fremont County Colorado | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Gilpin County Colorado | 1 | $ 485,000 | $ 485,000 | $ 208,000 |
| Gunnison County Colorado | 1 | $ 465,000 | $ 465,000 | $ 1,727,000 |
| La Plata County Colorado | 1 | $ 415,000 | $ 415,000 | $ 354,000 |
| Rio Blanco County Colorado | 1 | $ 415,000 | $ 415,000 | $ 101,000 |
| Alachua County Florida | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Bay County Florida | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Citrus County Florida | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Collier County Florida | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| Duval County Florida | 1 | $ 1,015,000 | $ 1,015,000 | $ 1,000,000 |
| Manatee County Florida | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Okaloosa County Florida | 1 | $ 545,000 | $ 545,000 | $ 131,000 |
| Pinellas County Florida | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Volusia County Florida | 1 | $ 475,000 | $ 475,000 | $ 93,000 |
| Cherokee County Georgia | 1 | $ 455,000 | $ 455,000 | $ 85,000 |
| Floyd County Georgia | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Gilmer County Georgia | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Newton County Georgia | 1 | $ 435,000 | $ 435,000 | $ 124,000 |
| Pulaski County Indiana | 1 | $ 125,000 | $ 125,000 | $ 56,000 |
| Vanderburgh County Indiana | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Pottawatomie County Kansas | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Wyandotte County Kansas | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Fayette County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 199,000 |
| Jefferson County Kentucky | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| Warren County Kentucky | 1 | $ 295,000 | $ 295,000 | $ 44,000 |
| Orleans County Louisiana | 1 | $ 385,000 | $ 385,000 | $ 175,000 |
| Harrison County Mississippi | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Clay County Missouri | 1 | $ 275,000 | $ 275,000 | $ 61,000 |
| Greene County Missouri | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Pulaski County Missouri | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| St. Louis County Missouri | 1 | $ 235,000 | $ 235,000 | $ 105,000 |
| Warren County Missouri | 1 | $ 215,000 | $ 215,000 | $ 105,000 |
| Curry County New Mexico | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Eddy County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Lea County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Lincoln County New Mexico | 1 | $ 335,000 | $ 335,000 | $ 165,000 |
| Franklin County Ohio | 1 | $ 465,000 | $ 465,000 | $ 111,000 |
| Hamilton County Ohio | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Canadian County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 132,000 |
| Carter County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| Cleveland County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Garvin County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Love County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 170,000 |
| McClain County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Oklahoma County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Montgomery County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 141,000 |
| Blount County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 170,000 |
| Gibson County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Jackson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 107,000 |
| Macon County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Marion County Tennessee | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Perry County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 73,000 |
| Tipton County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Trousdale County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| White County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 36,000 |
| Burleson County Texas | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Callahan County Texas | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Chambers County Texas | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Cherokee County Texas | 1 | $ 205,000 | $ 205,000 | $ 185,000 |
| Concho County Texas | 1 | $ 175,000 | $ 175,000 | $ 72,000 |
| Coryell County Texas | 1 | $ 185,000 | $ 185,000 | $ 106,000 |
| Erath County Texas | 1 | $ 315,000 | $ 315,000 | $ 135,000 |
| Fannin County Texas | 1 | $ 265,000 | $ 265,000 | $ 189,000 |
| Freestone County Texas | 1 | $ 365,000 | $ 365,000 | $ 157,000 |
| Hunt County Texas | 1 | $ 195,000 | $ 195,000 | $ 52,000 |
| Jackson County Texas | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Kinney County Texas | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Lampasas County Texas | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Lee County Texas | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| McMullen County Texas | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Midland County Texas | 1 | $ 315,000 | $ 315,000 | $ 266,000 |
| Navarro County Texas | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Presidio County Texas | 1 | $ 285,000 | $ 285,000 | $ 59,000 |
| Real County Texas | 1 | $ 285,000 | $ 285,000 | $ 113,000 |
| Robertson County Texas | 1 | $ 475,000 | $ 475,000 | $ 112,000 |
| Sutton County Texas | 1 | $ 285,000 | $ 285,000 | $ 140,000 |
| Uvalde County Texas | 1 | $ 275,000 | $ 275,000 | $ 72,000 |
| Wharton County Texas | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Wise County Texas | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| King George County Virginia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Kitsap County Washington | 1 | $ 735,000 | $ 735,000 | $ 243,000 |
| Skagit County Washington | 1 | $ 285,000 | $ 285,000 | $ 690,000 |
| Spokane County Washington | 1 | $ 85,000 | $ 85,000 | $ 690,000 |
| Thurston County Washington | 1 | $ 375,000 | $ 375,000 | $ 78,000 |
| Laramie County Wyoming | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. in 2019
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 | 5,438 | $1,428,970,000 | $262,000 | $1,365,000 | $111,000 | $1,793,000 |
| Refinancing | 861 | $265,335,000 | $308,000 | $1,955,000 | $137,000 | $2,714,000 |
| Cash-out Refinancing | 410 | $105,100,000 | $256,000 | $765,000 | $129,000 | $1,229,000 |
| 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 | 3,999 | $1,125,995,000 | $281,000 | $1,365,000 | $124,000 | $2,714,000 |
| Hispanic | 1,322 | $288,720,000 | $218,000 | $1,005,000 | $88,000 | $1,424,000 |
| Not Provided | 916 | $261,570,000 | $285,000 | $1,285,000 | $124,000 | $1,445,000 |
| Black or African American | 277 | $72,275,000 | $260,000 | $1,955,000 | $96,000 | $637,000 |
| Asian | 171 | $44,885,000 | $262,000 | $1,005,000 | $128,000 | $690,000 |
| American Indian or Alaskan Native | 17 | $4,395,000 | $258,000 | $415,000 | $94,000 | $172,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,370,000 | $228,000 | $325,000 | $104,000 | $154,000 |
| 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) | 4,203 | $1,180,685,000 | $280,000 | $1,955,000 | $135,000 | $2,714,000 |
| FHA-insured (Federal Housing Administration) | 1,561 | $351,115,000 | $224,000 | $565,000 | $77,000 | $455,000 |
| VA-guaranteed (Veterans Administration) | 878 | $254,100,000 | $289,000 | $825,000 | $95,000 | $523,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 67 | $13,505,000 | $201,000 | $415,000 | $64,000 | $105,000 |
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 | 5,234 | $1,393,310,000 | $266,000 | $1,205,000 | $115,000 | $1,793,000 |
| Application Withdrawn By Applicant | 1,177 | $325,045,000 | $276,000 | $1,955,000 | $119,000 | $2,714,000 |
| Application Approved But Not Accepted | 171 | $48,595,000 | $284,000 | $1,245,000 | $124,000 | $661,000 |
| Application Denied By Financial Institution | 97 | $24,395,000 | $251,000 | $1,285,000 | $86,000 | $453,000 |
| File Closed For Incompleteness | 30 | $8,060,000 | $268,000 | $905,000 | $91,000 | $288,000 |
| 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 | 6,612 | $1,775,010,000 | $268,000 | $1,955,000 | $116,000 | $2,714,000 |
| Debt-To-Income Ratio | 37 | $10,005,000 | $270,000 | $1,285,000 | $82,000 | $453,000 |
| Credit History | 18 | $5,400,000 | $300,000 | $1,095,000 | $100,000 | $295,000 |
| Collateral | 12 | $2,190,000 | $182,000 | $335,000 | $98,000 | $254,000 |
| Other | 10 | $2,380,000 | $238,000 | $385,000 | $90,000 | $186,000 |
| Unverifiable Information | 10 | $2,510,000 | $251,000 | $635,000 | $78,000 | $196,000 |
| Employment History | 5 | $735,000 | $147,000 | $185,000 | $56,000 | $133,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,175,000 | $235,000 | $435,000 | $78,000 | $233,000 |
| 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 2019 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.