Gardner Financial Services, Ltd. Mortgage Lending & HMDA Data, 2018
In 2018, Gardner Financial Services, Ltd. of San Antonio, TX reported 6,783 mortgage applications totaling $1.7 billion, about the same as 2017. The average application was for $249,455, and applicants reported an average income of $110,386. 74% of its applications resulted in an originated loan and 3% were denied. Its largest markets were San Antonio-New Braunfels, TX (2,560), Nashville-Davidson--Murfreesboro--Franklin, TN (817) and Austin-Round Rock, TX (731) (applications in parentheses).
| 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 | $249,455 |
| Highest Mortgage Loan Application Amount | $2,125,000 |
| Average Applicant Income | $110,386 |
| Highest Applicant Income | $2,739,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gardner Financial Services, Ltd. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Antonio-New Braunfels, TX | 2,560 | $ 620,000,000 | $ 242,187 | $ 106,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 817 | $ 201,125,000 | $ 246,175 | $ 88,000 |
| Austin-Round Rock, TX | 731 | $ 210,885,000 | $ 288,488 | $ 134,000 |
| Fort Worth-Arlington, TX | 648 | $ 161,150,000 | $ 248,688 | $ 116,000 |
| Dallas-Plano-Irving, TX | 573 | $ 156,055,000 | $ 272,347 | $ 120,000 |
| Houston-The Woodlands-Sugar Land, TX | 509 | $ 127,835,000 | $ 251,149 | $ 123,000 |
| Outside any metro area | 249 | $ 48,595,000 | $ 195,160 | $ 89,827 |
| El Paso, TX | 149 | $ 28,335,000 | $ 190,167 | $ 91,000 |
| Denver-Aurora-Lakewood, CO | 138 | $ 47,180,000 | $ 341,884 | $ 126,000 |
| College Station-Bryan, TX | 81 | $ 20,305,000 | $ 250,679 | $ 156,000 |
| Clarksville, TN-KY | 67 | $ 11,885,000 | $ 177,388 | $ 63,567 |
| Albuquerque, NM | 35 | $ 6,935,000 | $ 198,142 | $ 86,000 |
| Oklahoma City, OK | 35 | $ 5,595,000 | $ 159,857 | $ 85,000 |
| Killeen-Temple, TX | 29 | $ 5,425,000 | $ 187,068 | $ 72,000 |
| Corpus Christi, TX | 21 | $ 5,925,000 | $ 282,142 | $ 266,000 |
| Greeley, CO | 15 | $ 4,155,000 | $ 277,000 | $ 96,000 |
| Sherman-Denison, TX | 11 | $ 2,525,000 | $ 229,545 | $ 87,000 |
| San Angelo, TX | 10 | $ 2,060,000 | $ 206,000 | $ 105,000 |
| Chattanooga, TN-GA | 6 | $ 1,100,000 | $ 183,333 | $ 67,000 |
| Colorado Springs, CO | 6 | $ 1,760,000 | $ 293,333 | $ 99,000 |
| Waco, TX | 6 | $ 1,080,000 | $ 180,000 | $ 150,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,175,000 | $ 235,000 | $ 65,000 |
| Midland, TX | 5 | $ 1,445,000 | $ 289,000 | $ 136,000 |
| Fort Collins, CO | 4 | $ 1,420,000 | $ 355,000 | $ 90,000 |
| Kingsport-Bristol-Bristol, TN-VA | 4 | $ 680,000 | $ 170,000 | $ 58,000 |
| Las Cruces, NM | 4 | $ 840,000 | $ 210,000 | $ 75,000 |
| McAllen-Edinburg-Mission, TX | 4 | $ 740,000 | $ 185,000 | $ 84,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 1,020,000 | $ 255,000 | $ 112,000 |
| Tulsa, OK | 4 | $ 860,000 | $ 215,000 | $ 84,000 |
| Beaumont-Port Arthur, TX | 3 | $ 635,000 | $ 211,666 | $ 112,000 |
| Boulder, CO | 3 | $ 925,000 | $ 308,333 | $ 114,000 |
| Laredo, TX | 3 | $ 425,000 | $ 141,666 | $ 49,000 |
| Memphis, TN-MS-AR | 3 | $ 635,000 | $ 211,666 | $ 82,000 |
| Tyler, TX | 3 | $ 405,000 | $ 135,000 | $ 95,000 |
| Amarillo, TX | 2 | $ 340,000 | $ 170,000 | $ 51,000 |
| Birmingham-Hoover, AL | 2 | $ 320,000 | $ 160,000 | $ 55,000 |
| Brownsville-Harlingen, TX | 2 | $ 300,000 | $ 150,000 | $ 136,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 520,000 | $ 260,000 | $ 200,000 |
| Johnson City, TN | 2 | $ 380,000 | $ 190,000 | $ 54,000 |
| Lubbock, TX | 2 | $ 670,000 | $ 335,000 | $ 109,000 |
| Odessa, TX | 2 | $ 220,000 | $ 110,000 | $ 135,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 450,000 | $ 225,000 | $ 43,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 700,000 | $ 350,000 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 670,000 | $ 335,000 | $ 197,000 |
| Tucson, AZ | 2 | $ 190,000 | $ 95,000 | $ 153,000 |
| Athens-Clarke County, GA | 1 | $ 185,000 | $ 185,000 | $ 55,000 |
| Bremerton-Silverdale, WA | 1 | $ 645,000 | $ 645,000 | $ 240,000 |
| Gainesville, FL | 1 | $ 225,000 | $ 225,000 | $ 78,000 |
| Jackson, TN | 1 | $ 385,000 | $ 385,000 | $ 204,000 |
| Jacksonville, FL | 1 | $ 235,000 | $ 235,000 | $ 55,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 595,000 | $ 595,000 | $ 356,000 |
| Macon-Bibb County, GA | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Modesto, CA | 1 | $ 265,000 | $ 265,000 | $ 52,000 |
| Napa, CA | 1 | $ 995,000 | $ 995,000 | $ 739,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 775,000 | $ 775,000 | $ 353,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 365,000 | $ 365,000 | $ 243,000 |
| Pueblo, CO | 1 | $ 85,000 | $ 85,000 | $ 21,000 |
| San Diego-Carlsbad, CA | 1 | $ 585,000 | $ 585,000 | $ 109,000 |
| Spokane-Spokane Valley, WA | 1 | $ 295,000 | $ 295,000 | $ 78,000 |
| Victoria, TX | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
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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