Gardner Financial Services, Ltd.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Gardner Financial Services, Ltd. 2020 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 | 9,333 |
| Total Mortgage Loan Application Amount | $2,707,885,000 |
| Average Mortgage Loan Application Amount | $288,666 |
| Highest Mortgage Loan Application Amount | $2,855,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $4,523,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 2,228 | $ 597,230,000 | $ 268,000 | $ 120,000 |
| Travis County Texas | 803 | $ 291,535,000 | $ 363,000 | $ 167,000 |
| Williamson County Texas | 563 | $ 167,275,000 | $ 297,000 | $ 127,000 |
| Tarrant County Texas | 439 | $ 123,685,000 | $ 281,000 | $ 137,000 |
| Harris County Texas | 381 | $ 105,095,000 | $ 275,000 | $ 146,000 |
| Comal County Texas | 353 | $ 119,695,000 | $ 339,000 | $ 126,000 |
| Dallas County Texas | 298 | $ 93,460,000 | $ 313,000 | $ 146,000 |
| Davidson County Tennessee | 292 | $ 82,650,000 | $ 283,000 | $ 113,000 |
| Guadalupe County Texas | 285 | $ 70,025,000 | $ 245,000 | $ 109,000 |
| Rutherford County Tennessee | 266 | $ 74,620,000 | $ 280,000 | $ 91,000 |
| Williamson County Tennessee | 190 | $ 70,850,000 | $ 372,000 | $ 140,000 |
| Mesa County Colorado | 180 | $ 47,290,000 | $ 262,000 | $ 88,000 |
| Maury County Tennessee | 179 | $ 41,715,000 | $ 233,000 | $ 76,000 |
| Collin County Texas | 157 | $ 48,555,000 | $ 309,000 | $ 145,000 |
| Hays County Texas | 150 | $ 50,110,000 | $ 334,000 | $ 134,000 |
| Nueces County Texas | 127 | $ 29,715,000 | $ 233,000 | $ 115,000 |
| Jefferson County Colorado | 123 | $ 45,835,000 | $ 372,000 | $ 120,000 |
| Lawrence County Tennessee | 113 | $ 19,705,000 | $ 174,000 | $ 59,000 |
| Denton County Texas | 113 | $ 34,845,000 | $ 308,000 | $ 137,000 |
| Brazos County Texas | 108 | $ 26,780,000 | $ 247,000 | $ 133,000 |
| Kendall County Texas | 108 | $ 37,100,000 | $ 343,000 | $ 140,000 |
| Wilson County Tennessee | 101 | $ 31,565,000 | $ 312,000 | $ 98,000 |
| Fort Bend County Texas | 86 | $ 24,090,000 | $ 280,000 | $ 136,000 |
| Johnson County Texas | 74 | $ 17,620,000 | $ 238,000 | $ 141,000 |
| Parker County Texas | 74 | $ 21,480,000 | $ 290,000 | $ 140,000 |
| El Paso County Texas | 64 | $ 16,010,000 | $ 250,000 | $ 162,000 |
| Sumner County Tennessee | 63 | $ 16,225,000 | $ 257,000 | $ 97,000 |
| Adams County Colorado | 61 | $ 21,245,000 | $ 348,000 | $ 103,000 |
| Wilson County Texas | 57 | $ 18,155,000 | $ 318,000 | $ 122,000 |
| Medina County Texas | 55 | $ 17,205,000 | $ 312,000 | $ 112,000 |
| Denver County Colorado | 50 | $ 19,320,000 | $ 386,000 | $ 133,000 |
| Bell County Texas | 48 | $ 11,710,000 | $ 243,000 | $ 82,000 |
| Marshall County Tennessee | 43 | $ 10,145,000 | $ 235,000 | $ 71,000 |
| Arapahoe County Colorado | 38 | $ 19,310,000 | $ 508,000 | $ 151,000 |
| Montgomery County Texas | 36 | $ 10,360,000 | $ 287,000 | $ 196,000 |
| Sandoval County New Mexico | 31 | $ 7,885,000 | $ 254,000 | $ 112,000 |
| Dickson County Tennessee | 31 | $ 7,635,000 | $ 246,000 | $ 77,000 |
| Garfield County Colorado | 29 | $ 7,565,000 | $ 260,000 | $ 86,000 |
| Tom Green County Texas | 28 | $ 6,710,000 | $ 239,000 | $ 131,000 |
| Montgomery County Tennessee | 26 | $ 5,400,000 | $ 207,000 | $ 72,000 |
| Bernalillo County New Mexico | 25 | $ 5,685,000 | $ 227,000 | $ 110,000 |
| Kaufman County Texas | 25 | $ 5,195,000 | $ 207,000 | $ 77,000 |
| Rockwall County Texas | 25 | $ 7,635,000 | $ 305,000 | $ 120,000 |
| Ellis County Texas | 24 | $ 7,490,000 | $ 312,000 | $ 127,000 |
| Robertson County Tennessee | 22 | $ 5,680,000 | $ 258,000 | $ 109,000 |
| Weld County Colorado | 20 | $ 7,250,000 | $ 362,000 | $ 107,000 |
| Cheatham County Tennessee | 20 | $ 4,630,000 | $ 231,000 | $ 86,000 |
| Hood County Texas | 20 | $ 5,820,000 | $ 291,000 | $ 165,000 |
| Bandera County Texas | 19 | $ 4,505,000 | $ 237,000 | $ 96,000 |
| Brazoria County Texas | 18 | $ 3,710,000 | $ 206,000 | $ 157,000 |
| Bedford County Tennessee | 17 | $ 3,625,000 | $ 213,000 | $ 81,000 |
| Atascosa County Texas | 16 | $ 3,670,000 | $ 229,000 | $ 85,000 |
| Bastrop County Texas | 16 | $ 4,720,000 | $ 295,000 | $ 109,000 |
| Blanco County Texas | 16 | $ 3,910,000 | $ 244,000 | $ 95,000 |
| Burnet County Texas | 16 | $ 5,810,000 | $ 363,000 | $ 188,000 |
| El Paso County Colorado | 13 | $ 4,325,000 | $ 332,000 | $ 111,000 |
| Galveston County Texas | 13 | $ 3,475,000 | $ 267,000 | $ 152,000 |
| Giles County Tennessee | 12 | $ 2,780,000 | $ 231,000 | $ 81,000 |
| Boulder County Colorado | 11 | $ 4,335,000 | $ 394,000 | $ 142,000 |
| Douglas County Colorado | 11 | $ 4,505,000 | $ 409,000 | $ 140,000 |
| Llano County Texas | 11 | $ 3,325,000 | $ 302,000 | $ 207,000 |
| Aransas County Texas | 10 | $ 2,220,000 | $ 222,000 | $ 162,000 |
| Kerr County Texas | 10 | $ 3,050,000 | $ 305,000 | $ 102,000 |
| McLennan County Texas | 10 | $ 2,230,000 | $ 223,000 | $ 156,000 |
| Broomfield County Colorado | 9 | $ 2,995,000 | $ 332,000 | $ 122,000 |
| Larimer County Colorado | 9 | $ 2,615,000 | $ 290,000 | $ 102,000 |
| Hamilton County Tennessee | 9 | $ 2,275,000 | $ 252,000 | $ 76,000 |
| Hickman County Tennessee | 9 | $ 1,925,000 | $ 213,000 | $ 63,000 |
| Coffee County Tennessee | 8 | $ 1,680,000 | $ 210,000 | $ 70,000 |
| Franklin County Tennessee | 8 | $ 2,280,000 | $ 285,000 | $ 156,000 |
| Grayson County Texas | 8 | $ 1,770,000 | $ 221,000 | $ 71,000 |
| San Patricio County Texas | 8 | $ 1,650,000 | $ 206,000 | $ 80,000 |
| Lauderdale County Alabama | 7 | $ 1,215,000 | $ 173,000 | $ 84,000 |
| Park County Colorado | 7 | $ 2,675,000 | $ 382,000 | $ 181,000 |
| Knox County Tennessee | 7 | $ 1,435,000 | $ 205,000 | $ 72,000 |
| Lincoln County Tennessee | 7 | $ 1,195,000 | $ 170,000 | $ 81,000 |
| Caldwell County Texas | 7 | $ 1,625,000 | $ 232,000 | $ 115,000 |
| Hidalgo County Texas | 7 | $ 1,415,000 | $ 202,000 | $ 102,000 |
| Hunt County Texas | 7 | $ 1,445,000 | $ 206,000 | $ 85,000 |
| Midland County Texas | 7 | $ 1,835,000 | $ 262,000 | $ 134,000 |
| Wayne County Tennessee | 6 | $ 990,000 | $ 165,000 | $ 59,000 |
| Cameron County Texas | 6 | $ 1,020,000 | $ 170,000 | $ 239,000 |
| Grimes County Texas | 6 | $ 1,510,000 | $ 251,000 | $ 87,000 |
| Henderson County Texas | 6 | $ 3,510,000 | $ 585,000 | $ 293,000 |
| Lampasas County Texas | 6 | $ 1,060,000 | $ 176,000 | $ 69,000 |
| Lubbock County Texas | 6 | $ 1,300,000 | $ 216,000 | $ 111,000 |
| Limestone County Alabama | 5 | $ 1,015,000 | $ 203,000 | $ 72,000 |
| Maricopa County Arizona | 5 | $ 1,275,000 | $ 255,000 | $ 73,000 |
| Delta County Colorado | 5 | $ 1,255,000 | $ 251,000 | $ 79,000 |
| Grand County Colorado | 5 | $ 1,845,000 | $ 369,000 | $ 132,000 |
| Dona Ana County New Mexico | 5 | $ 1,935,000 | $ 387,000 | $ 88,000 |
| Lewis County Tennessee | 5 | $ 1,115,000 | $ 223,000 | $ 91,000 |
| Gillespie County Texas | 5 | $ 3,105,000 | $ 621,000 | $ 192,000 |
| Los Angeles County California | 4 | $ 1,320,000 | $ 330,000 | $ 456,000 |
| San Diego County California | 4 | $ 1,660,000 | $ 415,000 | $ 172,000 |
| Broward County Florida | 4 | $ 1,850,000 | $ 462,000 | $ 305,000 |
| Lee County Florida | 4 | $ 1,360,000 | $ 340,000 | $ 116,000 |
| Fulton County Georgia | 4 | $ 1,250,000 | $ 312,000 | $ 163,000 |
| Fayette County Texas | 4 | $ 1,260,000 | $ 315,000 | $ 111,000 |
| Smith County Texas | 4 | $ 850,000 | $ 212,000 | $ 109,000 |
| Waller County Texas | 4 | $ 1,250,000 | $ 312,000 | $ 132,000 |
| Wise County Texas | 4 | $ 1,140,000 | $ 285,000 | $ 115,000 |
| Pima County Arizona | 3 | $ 775,000 | $ 258,000 | $ 97,000 |
| Clear Creek County Colorado | 3 | $ 1,265,000 | $ 421,000 | $ 156,000 |
| Montrose County Colorado | 3 | $ 645,000 | $ 215,000 | $ 46,000 |
| Rio Blanco County Colorado | 3 | $ 735,000 | $ 245,000 | $ 60,000 |
| Summit County Colorado | 3 | $ 1,395,000 | $ 465,000 | $ 182,000 |
| Cobb County Georgia | 3 | $ 845,000 | $ 281,000 | $ 121,000 |
| Lincoln County New Mexico | 3 | $ 785,000 | $ 261,000 | $ 362,000 |
| Santa Fe County New Mexico | 3 | $ 855,000 | $ 285,000 | $ 92,000 |
| Carter County Tennessee | 3 | $ 505,000 | $ 168,000 | $ 45,000 |
| Greene County Tennessee | 3 | $ 315,000 | $ 105,000 | $ 49,000 |
| Sullivan County Tennessee | 3 | $ 605,000 | $ 201,000 | $ 25,000 |
| Warren County Tennessee | 3 | $ 765,000 | $ 255,000 | $ 67,000 |
| Burleson County Texas | 3 | $ 515,000 | $ 171,000 | $ 140,000 |
| Coryell County Texas | 3 | $ 425,000 | $ 141,000 | $ 50,000 |
| Erath County Texas | 3 | $ 605,000 | $ 201,000 | $ 75,000 |
| Gonzales County Texas | 3 | $ 565,000 | $ 188,000 | $ 76,000 |
| Madison County Texas | 3 | $ 805,000 | $ 268,000 | $ 119,000 |
| Palo Pinto County Texas | 3 | $ 1,125,000 | $ 375,000 | $ 226,000 |
| Wichita County Texas | 3 | $ 395,000 | $ 131,000 | $ 103,000 |
| King County Washington | 3 | $ 1,235,000 | $ 411,000 | $ 115,000 |
| Mohave County Arizona | 2 | $ 540,000 | $ 270,000 | $ 25,000 |
| Riverside County California | 2 | $ 550,000 | $ 275,000 | $ 252,000 |
| Archuleta County Colorado | 2 | $ 1,110,000 | $ 555,000 | $ 207,000 |
| Elbert County Colorado | 2 | $ 890,000 | $ 445,000 | $ 163,000 |
| Lake County Colorado | 2 | $ 820,000 | $ 410,000 | $ 98,000 |
| Moffat County Colorado | 2 | $ 430,000 | $ 215,000 | $ 62,000 |
| Pueblo County Colorado | 2 | $ 480,000 | $ 240,000 | $ 92,000 |
| Duval County Florida | 2 | $ 1,720,000 | $ 860,000 | $ 571,000 |
| Palm Beach County Florida | 2 | $ 3,020,000 | $ 1,510,000 | $ 445,000 |
| Pinellas County Florida | 2 | $ 480,000 | $ 240,000 | $ 117,000 |
| Santa Rosa County Florida | 2 | $ 400,000 | $ 200,000 | $ 64,000 |
| Walton County Florida | 2 | $ 820,000 | $ 410,000 | $ 361,000 |
| Floyd County Georgia | 2 | $ 170,000 | $ 85,000 | $ 75,000 |
| Boone County Indiana | 2 | $ 350,000 | $ 175,000 | $ 74,000 |
| Hamilton County Indiana | 2 | $ 410,000 | $ 205,000 | $ 248,000 |
| Marion County Indiana | 2 | $ 380,000 | $ 190,000 | $ 137,000 |
| Boyd County Kentucky | 2 | $ 330,000 | $ 165,000 | $ 182,000 |
| Colfax County New Mexico | 2 | $ 630,000 | $ 315,000 | $ 186,000 |
| Taos County New Mexico | 2 | $ 720,000 | $ 360,000 | $ 429,000 |
| Valencia County New Mexico | 2 | $ 540,000 | $ 270,000 | $ 81,000 |
| Cannon County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 61,000 |
| Gibson County Tennessee | 2 | $ 570,000 | $ 285,000 | $ 130,000 |
| Putnam County Tennessee | 2 | $ 360,000 | $ 180,000 | $ 70,000 |
| Shelby County Tennessee | 2 | $ 790,000 | $ 395,000 | $ 386,000 |
| Smith County Tennessee | 2 | $ 530,000 | $ 265,000 | $ 76,000 |
| Bowie County Texas | 2 | $ 430,000 | $ 215,000 | $ 238,000 |
| Calhoun County Texas | 2 | $ 480,000 | $ 240,000 | $ 237,000 |
| Chambers County Texas | 2 | $ 540,000 | $ 270,000 | $ 145,000 |
| Ector County Texas | 2 | $ 210,000 | $ 105,000 | $ 95,000 |
| Gregg County Texas | 2 | $ 440,000 | $ 220,000 | $ 70,000 |
| Jim Wells County Texas | 2 | $ 340,000 | $ 170,000 | $ 111,000 |
| Leon County Texas | 2 | $ 520,000 | $ 260,000 | $ 101,000 |
| Randall County Texas | 2 | $ 400,000 | $ 200,000 | $ 131,000 |
| Robertson County Texas | 2 | $ 260,000 | $ 130,000 | $ 75,000 |
| Taylor County Texas | 2 | $ 390,000 | $ 195,000 | $ 108,000 |
| Washington County Texas | 2 | $ 560,000 | $ 280,000 | $ 104,000 |
| Kitsap County Washington | 2 | $ 1,010,000 | $ 505,000 | $ 185,000 |
| Baldwin County Alabama | 1 | $ 405,000 | $ 405,000 | $ 148,000 |
| Lee County Alabama | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Madison County Alabama | 1 | $ 285,000 | $ 285,000 | $ 71,000 |
| Montgomery County Alabama | 1 | $ 245,000 | $ 245,000 | $ 46,000 |
| Pinal County Arizona | 1 | $ 275,000 | $ 275,000 | $ 122,000 |
| Yavapai County Arizona | 1 | $ 75,000 | $ 75,000 | $ 35,000 |
| El Dorado County California | 1 | $ 515,000 | $ 515,000 | $ 556,000 |
| Monterey County California | 1 | $ 365,000 | $ 365,000 | $ 171,000 |
| Orange County California | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Santa Clara County California | 1 | $ 405,000 | $ 405,000 | $ 167,000 |
| Solano County California | 1 | $ 365,000 | $ 365,000 | $ 65,000 |
| Gilpin County Colorado | 1 | $ 355,000 | $ 355,000 | $ 68,000 |
| Gunnison County Colorado | 1 | $ 505,000 | $ 505,000 | $ 85,000 |
| Huerfano County Colorado | 1 | $ 245,000 | $ 245,000 | $ 671,000 |
| La Plata County Colorado | 1 | $ 1,095,000 | $ 1,095,000 | $ 283,000 |
| Montezuma County Colorado | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Morgan County Colorado | 1 | $ 335,000 | $ 335,000 | $ 101,000 |
| Otero County Colorado | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Routt County Colorado | 1 | $ 465,000 | $ 465,000 | $ 177,000 |
| Teller County Colorado | 1 | $ 355,000 | $ 355,000 | $ 113,000 |
| Hernando County Florida | 1 | $ 185,000 | $ 185,000 | $ 43,000 |
| Hillsborough County Florida | 1 | $ 515,000 | $ 515,000 | $ 306,000 |
| Miami-Dade County Florida | 1 | $ 275,000 | $ 275,000 | $ 127,000 |
| Osceola County Florida | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Sarasota County Florida | 1 | $ 255,000 | $ 255,000 | $ 130,000 |
| Bartow County Georgia | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Columbia County Georgia | 1 | $ 295,000 | $ 295,000 | $ 79,000 |
| Coweta County Georgia | 1 | $ 355,000 | $ 355,000 | $ 142,000 |
| Dade County Georgia | 1 | $ 105,000 | $ 105,000 | $ 167,000 |
| Forsyth County Georgia | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| Gwinnett County Georgia | 1 | $ 115,000 | $ 115,000 | $ 129,000 |
| Johnson County Kansas | 1 | $ 325,000 | $ 325,000 | $ 108,000 |
| Sedgwick County Kansas | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Boyle County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Logan County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
| Muhlenberg County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Simpson County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 53,000 |
| Trigg County Kentucky | 1 | $ 405,000 | $ 405,000 | $ 258,000 |
| East Baton Rouge County Louisiana | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Orleans County Louisiana | 1 | $ 375,000 | $ 375,000 | $ 267,000 |
| St. Tammany County Louisiana | 1 | $ 335,000 | $ 335,000 | $ 130,000 |
| Vernon County Louisiana | 1 | $ 175,000 | $ 175,000 | $ 150,000 |
| DeSoto County Mississippi | 1 | $ 415,000 | $ 415,000 | $ 106,000 |
| Hinds County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 145,000 |
| Oktibbeha County Mississippi | 1 | $ 335,000 | $ 335,000 | $ 250,000 |
| Christian County Missouri | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Lincoln County Missouri | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| St. Charles County Missouri | 1 | $ 225,000 | $ 225,000 | $ 72,000 |
| Chaves County New Mexico | 1 | $ 245,000 | $ 245,000 | $ 114,000 |
| Quay County New Mexico | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Roosevelt County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| San Juan County New Mexico | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Hamilton County Ohio | 1 | $ 515,000 | $ 515,000 | $ 136,000 |
| Wood County Ohio | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Cleveland County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 186,000 |
| Oklahoma County Oklahoma | 1 | $ 515,000 | $ 515,000 | $ 378,000 |
| Pittsburg County Oklahoma | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Wagoner County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 316,000 |
| Indiana County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Montgomery County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 160,000 |
| Benton County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 73,000 |
| Carroll County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 17,000 |
| Cumberland County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| DeKalb County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 32,000 |
| Hardin County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Jackson County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 93,000 |
| Loudon County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| McMinn County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 47,000 |
| Moore County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Polk County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Roane County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| Sequatchie County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| Trousdale County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 45,000 |
| Washington County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Weakley County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Brown County Texas | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Carson County Texas | 1 | $ 475,000 | $ 475,000 | $ 110,000 |
| Cherokee County Texas | 1 | $ 445,000 | $ 445,000 | $ 215,000 |
| Coleman County Texas | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Cooke County Texas | 1 | $ 485,000 | $ 485,000 | $ 217,000 |
| Delta County Texas | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Freestone County Texas | 1 | $ 365,000 | $ 365,000 | $ 150,000 |
| Harrison County Texas | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Howard County Texas | 1 | $ 135,000 | $ 135,000 | $ 170,000 |
| Irion County Texas | 1 | $ 385,000 | $ 385,000 | $ 96,000 |
| Jackson County Texas | 1 | $ 335,000 | $ 335,000 | $ 184,000 |
| Jefferson County Texas | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Karnes County Texas | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Lee County Texas | 1 | $ 335,000 | $ 335,000 | $ 74,000 |
| Limestone County Texas | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Live Oak County Texas | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Mason County Texas | 1 | $ 175,000 | $ 175,000 | $ 82,000 |
| Maverick County Texas | 1 | $ 155,000 | $ 155,000 | $ 103,000 |
| Montague County Texas | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| Orange County Texas | 1 | $ 165,000 | $ 165,000 | $ 195,000 |
| Pecos County Texas | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Potter County Texas | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Presidio County Texas | 1 | $ 155,000 | $ 155,000 | $ 25,000 |
| Rains County Texas | 1 | $ 355,000 | $ 355,000 | $ 122,000 |
| Rusk County Texas | 1 | $ 395,000 | $ 395,000 | $ 86,000 |
| San Jacinto County Texas | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Somervell County Texas | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Val Verde County Texas | 1 | $ 315,000 | $ 315,000 | $ 94,000 |
| Van Zandt County Texas | 1 | $ 285,000 | $ 285,000 | $ 889,000 |
| Walker County Texas | 1 | $ 315,000 | $ 315,000 | $ 93,000 |
| Webb County Texas | 1 | $ 225,000 | $ 225,000 | $ 101,000 |
| Wood County Texas | 1 | $ 115,000 | $ 115,000 | $ 150,000 |
| Grays Harbor County Washington | 1 | $ 355,000 | $ 355,000 | $ 153,000 |
| Snohomish County Washington | 1 | $ 245,000 | $ 245,000 | $ 730,000 |
| Fremont County Wyoming | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Laramie County Wyoming | 1 | $ 345,000 | $ 345,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Gardner Financial Services, Ltd. in 2020
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 | 5,981 | $1,728,605,000 | $289,000 | $2,855,000 | $118,000 | $1,351,000 |
| Refinancing | 2,728 | $801,860,000 | $293,000 | $1,255,000 | $139,000 | $4,523,000 |
| Cash-out Refinancing | 624 | $177,420,000 | $284,000 | $715,000 | $136,000 | $842,000 |
| 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 | 5,820 | $1,733,380,000 | $297,000 | $2,855,000 | $130,000 | $4,523,000 |
| Not Provided | 1,649 | $492,045,000 | $298,000 | $1,175,000 | $132,000 | $1,285,000 |
| Hispanic | 1,324 | $330,310,000 | $249,000 | $1,005,000 | $101,000 | $910,000 |
| Black or African American | 275 | $72,155,000 | $262,000 | $775,000 | $94,000 | $637,000 |
| Asian | 222 | $67,800,000 | $305,000 | $815,000 | $137,000 | $730,000 |
| American Indian or Alaskan Native | 35 | $10,205,000 | $291,000 | $715,000 | $114,000 | $468,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,620,000 | $270,000 | $295,000 | $99,000 | $177,000 |
| 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) | 6,740 | $2,013,610,000 | $298,000 | $2,855,000 | $142,000 | $4,523,000 |
| FHA-insured (Federal Housing Administration) | 1,558 | $376,730,000 | $241,000 | $905,000 | $78,000 | $442,000 |
| VA-guaranteed (Veterans Administration) | 899 | $291,165,000 | $323,000 | $1,115,000 | $93,000 | $375,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 136 | $26,380,000 | $193,000 | $335,000 | $59,000 | $110,000 |
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 | 7,327 | $2,097,325,000 | $286,000 | $2,505,000 | $123,000 | $4,523,000 |
| Application Withdrawn By Applicant | 1,734 | $534,500,000 | $308,000 | $2,855,000 | $135,000 | $1,351,000 |
| Application Denied By Financial Institution | 97 | $26,285,000 | $270,000 | $875,000 | $100,000 | $658,000 |
| File Closed For Incompleteness | 90 | $26,010,000 | $289,000 | $1,005,000 | $136,000 | $750,000 |
| Application Approved But Not Accepted | 85 | $23,765,000 | $279,000 | $2,005,000 | $128,000 | $1,028,000 |
| 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 | 9,236 | $2,681,600,000 | $290,000 | $2,855,000 | $126,000 | $4,523,000 |
| Debt-To-Income Ratio | 37 | $11,115,000 | $300,000 | $555,000 | $68,000 | $239,000 |
| Unverifiable Information | 18 | $4,980,000 | $276,000 | $625,000 | $161,000 | $658,000 |
| Collateral | 15 | $3,725,000 | $248,000 | $875,000 | $99,000 | $409,000 |
| Credit History | 10 | $2,680,000 | $268,000 | $405,000 | $91,000 | $180,000 |
| Other | 8 | $1,740,000 | $217,000 | $365,000 | $91,000 | $189,000 |
| Employment History | 7 | $1,805,000 | $257,000 | $445,000 | $148,000 | $274,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $145,000 | $45,000 | $58,000 |
| 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 2020 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.