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.
| 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 | $ 253,000 | $ 106,000 |
| AUSTIN-ROUND ROCK, TX | 1,002 | $ 306,000,000 | $ 305,000 | $ 132,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 839 | $ 232,225,000 | $ 276,000 | $ 105,000 |
| FORT WORTH-ARLINGTON, TX | 468 | $ 128,450,000 | $ 274,000 | $ 133,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 435 | $ 113,895,000 | $ 261,000 | $ 128,000 |
| DALLAS-PLANO-IRVING, TX | 402 | $ 124,730,000 | $ 310,000 | $ 154,000 |
| NA (OUTSIDE OF MSA/MD) | 292 | $ 62,910,000 | $ 237,700 | $ 99,200 |
| DENVER-AURORA-LAKEWOOD, CO | 197 | $ 68,825,000 | $ 349,000 | $ 109,000 |
| EL PASO, TX | 168 | $ 30,950,000 | $ 184,000 | $ 86,000 |
| GRAND JUNCTION, CO | 127 | $ 31,065,000 | $ 244,000 | $ 80,000 |
| COLLEGE STATION-BRYAN, TX | 85 | $ 21,375,000 | $ 251,000 | $ 126,000 |
| ALBUQUERQUE, NM | 41 | $ 9,565,000 | $ 233,000 | $ 103,000 |
| KILLEEN-TEMPLE, TX | 40 | $ 8,710,000 | $ 217,000 | $ 91,000 |
| SAN ANGELO, TX | 22 | $ 4,300,000 | $ 195,000 | $ 74,000 |
| CLARKSVILLE, TN-KY | 18 | $ 3,320,000 | $ 184,000 | $ 65,000 |
| CORPUS CHRISTI, TX | 16 | $ 4,400,000 | $ 275,000 | $ 220,000 |
| GREELEY, CO | 15 | $ 4,315,000 | $ 287,000 | $ 72,000 |
| BROWNSVILLE-HARLINGEN, TX | 7 | $ 845,000 | $ 120,000 | $ 60,000 |
| CHATTANOOGA, TN-GA | 7 | $ 1,305,000 | $ 186,000 | $ 98,000 |
| COLORADO SPRINGS, CO | 7 | $ 2,145,000 | $ 306,000 | $ 92,000 |
| TYLER, TX | 7 | $ 1,195,000 | $ 170,000 | $ 177,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 6 | $ 2,330,000 | $ 388,000 | $ 99,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 6 | $ 770,000 | $ 128,000 | $ 38,000 |
| KNOXVILLE, TN | 6 | $ 1,510,000 | $ 251,000 | $ 89,000 |
| LAS CRUCES, NM | 6 | $ 1,550,000 | $ 258,000 | $ 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 | $ 312,000 | $ 96,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 4 | $ 670,000 | $ 167,000 | $ 117,000 |
| JOHNSON CITY, TN | 4 | $ 480,000 | $ 120,000 | $ 36,000 |
| KANSAS CITY, MO-KS | 4 | $ 760,000 | $ 165,000 | $ 79,500 |
| MCALLEN-EDINBURG-MISSION, TX | 4 | $ 790,000 | $ 197,000 | $ 88,000 |
| ODESSA, TX | 4 | $ 730,000 | $ 182,000 | $ 88,000 |
| OKLAHOMA CITY, OK | 4 | $ 650,000 | $ 162,000 | $ 84,000 |
| SHERMAN-DENISON, TX | 4 | $ 790,000 | $ 197,000 | $ 63,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 3 | $ 1,985,000 | $ 661,000 | $ 523,000 |
| FORT COLLINS, CO | 3 | $ 745,000 | $ 248,000 | $ 51,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 685,000 | $ 228,000 | $ 93,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 3 | $ 665,000 | $ 221,000 | $ 75,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 3 | $ 955,000 | $ 318,000 | $ 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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with aggregated HMDA statistics today.