Gardner Financial Services, Ltd. Mortgage Lending & HMDA Data, 2019
In 2019, Gardner Financial Services, Ltd. of San Antonio, TX reported 6,709 mortgage applications totaling $1.8 billion, down 1% from 2018. The average application was for $268,207, and applicants reported an average income of $115,436. 78% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Antonio-New Braunfels, TX (2,364), Austin-Round Rock, TX (1,002) and Nashville-Davidson--Murfreesboro--Franklin, TN (839) (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 | 6,709 |
| Total Mortgage Loan Application Amount | $1,799,405,000 |
| Average Mortgage Loan Application Amount | $268,207 |
| Highest Mortgage Loan Application Amount | $1,955,000 |
| Average Applicant Income | $115,436 |
| Highest Applicant Income | $2,714,000 |
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 filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,364 | $ 598,600,000 | $ 253,214 | $ 106,000 |
| Austin-Round Rock, TX | 1,002 | $ 306,000,000 | $ 305,389 | $ 132,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 839 | $ 232,225,000 | $ 276,787 | $ 105,000 |
| Fort Worth-Arlington, TX | 468 | $ 128,450,000 | $ 274,465 | $ 133,000 |
| Houston-The Woodlands-Sugar Land, TX | 435 | $ 113,895,000 | $ 261,827 | $ 128,000 |
| Dallas-Plano-Irving, TX | 402 | $ 124,730,000 | $ 310,273 | $ 154,000 |
| Outside any metro area | 292 | $ 62,910,000 | $ 215,445 | $ 97,493 |
| Denver-Aurora-Lakewood, CO | 197 | $ 68,825,000 | $ 349,365 | $ 109,000 |
| El Paso, TX | 168 | $ 30,950,000 | $ 184,226 | $ 86,000 |
| Grand Junction, CO | 127 | $ 31,065,000 | $ 244,606 | $ 80,000 |
| College Station-Bryan, TX | 85 | $ 21,375,000 | $ 251,470 | $ 126,000 |
| Albuquerque, NM | 41 | $ 9,565,000 | $ 233,292 | $ 103,000 |
| Killeen-Temple, TX | 40 | $ 8,710,000 | $ 217,750 | $ 91,000 |
| San Angelo, TX | 22 | $ 4,300,000 | $ 195,454 | $ 74,000 |
| Clarksville, TN-KY | 18 | $ 3,320,000 | $ 184,444 | $ 65,000 |
| Corpus Christi, TX | 16 | $ 4,400,000 | $ 275,000 | $ 220,000 |
| Greeley, CO | 15 | $ 4,315,000 | $ 287,666 | $ 72,000 |
| Brownsville-Harlingen, TX | 7 | $ 845,000 | $ 120,714 | $ 60,000 |
| Chattanooga, TN-GA | 7 | $ 1,305,000 | $ 186,428 | $ 98,000 |
| Colorado Springs, CO | 7 | $ 2,145,000 | $ 306,428 | $ 92,000 |
| Tyler, TX | 7 | $ 1,195,000 | $ 170,714 | $ 177,000 |
| Atlanta-Sandy Springs-Roswell, GA | 6 | $ 2,330,000 | $ 388,333 | $ 99,000 |
| Kingsport-Bristol-Bristol, TN-VA | 6 | $ 770,000 | $ 128,333 | $ 38,000 |
| Knoxville, TN | 6 | $ 1,510,000 | $ 251,666 | $ 89,000 |
| Las Cruces, NM | 6 | $ 1,550,000 | $ 258,333 | $ 96,000 |
| Lubbock, TX | 5 | $ 1,165,000 | $ 233,000 | $ 167,000 |
| Phoenix-Mesa-Scottsdale, AZ | 5 | $ 1,525,000 | $ 305,000 | $ 161,000 |
| Abilene, TX | 4 | $ 620,000 | $ 155,000 | $ 47,000 |
| Boulder, CO | 4 | $ 1,250,000 | $ 312,500 | $ 96,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 670,000 | $ 167,500 | $ 117,000 |
| Johnson City, TN | 4 | $ 480,000 | $ 120,000 | $ 36,000 |
| Kansas City, MO-KS | 4 | $ 760,000 | $ 190,000 | $ 85,250 |
| McAllen-Edinburg-Mission, TX | 4 | $ 790,000 | $ 197,500 | $ 88,000 |
| Odessa, TX | 4 | $ 730,000 | $ 182,500 | $ 88,000 |
| Oklahoma City, OK | 4 | $ 650,000 | $ 162,500 | $ 84,000 |
| Sherman-Denison, TX | 4 | $ 790,000 | $ 197,500 | $ 63,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,985,000 | $ 661,666 | $ 523,000 |
| Fort Collins, CO | 3 | $ 745,000 | $ 248,333 | $ 51,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 685,000 | $ 228,333 | $ 93,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 665,000 | $ 221,666 | $ 75,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 955,000 | $ 318,333 | $ 110,000 |
| Wichita Falls, TX | 3 | $ 825,000 | $ 275,000 | $ 319,000 |
| Amarillo, TX | 2 | $ 110,000 | $ 55,000 | $ 79,000 |
| Huntsville, AL | 2 | $ 430,000 | $ 215,000 | $ 55,000 |
| Laredo, TX | 2 | $ 370,000 | $ 185,000 | $ 58,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 750,000 | $ 375,000 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 1,030,000 | $ 515,000 | $ 94,000 |
| Santa Fe, NM | 2 | $ 540,000 | $ 270,000 | $ 167,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 840,000 | $ 420,000 | $ 360,000 |
| St. Louis, MO-IL | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Tacoma-Lakewood, WA | 2 | $ 970,000 | $ 485,000 | $ 512,000 |
| Tucson, AZ | 2 | $ 510,000 | $ 255,000 | $ 70,000 |
| Tulsa, OK | 2 | $ 290,000 | $ 145,000 | $ 207,000 |
| Waco, TX | 2 | $ 250,000 | $ 125,000 | $ 95,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 35,000 |
| Birmingham-Hoover, AL | 1 | $ 105,000 | $ 105,000 | $ 80,000 |
| Bowling Green, KY | 1 | $ 295,000 | $ 295,000 | $ 44,000 |
| Bremerton-Silverdale, WA | 1 | $ 735,000 | $ 735,000 | $ 243,000 |
| Cheyenne, WY | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Cincinnati, OH-KY-IN | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Columbus, OH | 1 | $ 465,000 | $ 465,000 | $ 111,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 385,000 | $ 385,000 | $ 180,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 475,000 | $ 475,000 | $ 93,000 |
| Evansville, IN-KY | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Gainesville, FL | 1 | $ 265,000 | $ 265,000 | $ 102,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 225,000 | $ 225,000 | $ 67,000 |
| Homosassa Springs, FL | 1 | $ 205,000 | $ 205,000 | $ 182,000 |
| Jackson, TN | 1 | $ 375,000 | $ 375,000 | $ 141,000 |
| Jacksonville, FL | 1 | $ 1,015,000 | $ 1,015,000 | $ 1,000,000 |
| Lexington-Fayette, KY | 1 | $ 105,000 | $ 105,000 | $ 199,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 335,000 | $ 335,000 | $ 44,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 345,000 | $ 345,000 | $ 122,000 |
| Manhattan, KS | 1 | $ 255,000 | $ 255,000 | $ 63,000 |
| Memphis, TN-MS-AR | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Midland, TX | 1 | $ 315,000 | $ 315,000 | $ 266,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 175,000 | $ 175,000 | $ 141,000 |
| Montgomery, AL | 1 | $ 305,000 | $ 305,000 | $ 340,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 285,000 | $ 285,000 | $ 690,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 255,000 | $ 255,000 | $ 74,000 |
| New Orleans-Metairie, LA | 1 | $ 385,000 | $ 385,000 | $ 175,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 245,000 | $ 245,000 | $ 64,000 |
| Olympia-Tumwater, WA | 1 | $ 375,000 | $ 375,000 | $ 78,000 |
| Panama City, FL | 1 | $ 245,000 | $ 245,000 | $ 71,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Rome, GA | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| San Diego-Carlsbad, CA | 1 | $ 565,000 | $ 565,000 | $ 125,000 |
| Spokane-Spokane Valley, WA | 1 | $ 85,000 | $ 85,000 | $ 690,000 |
| Springfield, MO | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
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.
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