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Notable locations in Gardner: Northern Worcester Correctional Center (A), West Gardner Industrial Park (B), East Gardner Industrial Park (C), Gardner Municipal Golf Course (D), Greenwood Memorial Swimming Pool (E), Northern Worcester District Courthouse (F), Lake Wachusett Community College Library (G), Gardner Manor Nursing Home (H), Gardner City Hall (I), Gardner Chamber of Commerce (J), Wachusett Manor Nursing Home (K), Levi Heywood Memorial Library (L), Elm Street Fire Station (M). Display/hide their locations on the map
Shopping Centers: Timpnay Plaza Shopping Center (1), Gardner Plaza Shopping Center (2). Display/hide their locations on the map
Churches in Gardner include: Unitarian Universalist Society (A), Chestnut Street United Church (B), Covenant Lutheran Church (C), Saint Pauls Episcopal Church (D), First Baptist Church (E), First Congregational Church (F), First Lutheran Church (G), Holy Rosary Church (H), Holy Spirit Church (I). Display/hide their locations on the map
Cemeteries: Green Bower Cemetery (1), Wildwood Cemetery (2), Saint Johns Cemetery (3), Crystal Lake Cemetery (4), Saint Josephs Cemetery (5), Notre Dame Cemetery (6). Display/hide their locations on the map
Lakes and reservoirs: Shiner Pond (A), Quag Pond (B), Stump Pond (C), Kendall Pond (D), Crystal Lake (E), Travers Pond (F), Hilchey Pond (G), Hobbys Pond (H). Display/hide their locations on the map
Streams, rivers, and creeks: Foster Brook (A), Baker Brook (B), Pond Brook (C), Wilder Brook (D), Mahoney Brook (E). Display/hide their locations on the map
Parks in Gardner include: Crystal Lake Park (1), Olivia Case Playground (2), Jackson Field (3), Chapman Park (4), Dunn Park (5), West Gardner Square Historic District (6), Marilene Stedman Playground (7), Greenwood Playground (8), Greenwood Street Playground (9). Display/hide their locations on the map
Post office: Gardner Post Office (A). Display/hide its location on the map
Tourist attractions: Gardner Museum Inc (511 Pearl Street) (1), Gopher Games (Amusement & Theme Parks; 2 Connors Street) (2). Display/hide their approximate locations on the map
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Drinking water stations with addresses in Gardner and their reported violations in the past:
GARDNER WATER DEPARTMENT (Population served: 20770, Surface_water):
Past health violations:
- MCL, Monthly (TCR) - In JUN-2000, Contaminant: Coliform. Follow-up actions: St Compliance achieved (OCT-30-2000), St Formal NOV issued (OCT-30-2000)
- MCL, Average - Between JUL-1996 and JUN-1997, Contaminant: TTHM. Follow-up actions: St Compliance achieved (AUG-22-1997)
- OCCT Installation/Demonstration - Between JAN-01-1993 and SEP-03-2002, Contaminant: Lead & Copper Rule. Follow-up actions: St AO (w/o penalty) issued (2 times from SEP-11-2000 to DEC-04-2000), St Compliance achieved (SEP-03-2002)
Past monitoring violations:
- Monitoring and Reporting Stage 1 - Between OCT-2005 and DEC-2005, Contaminant: Bromate. Follow-up actions: St Formal NOV issued (FEB-17-2006)
- Monitoring, Repeat Major (TCR) - In SEP-1999, Contaminant: Coliform (TCR). Follow-up actions: St Formal NOV issued (FEB-15-2000)
- 2 minor monitoring violations
- 23 regular monitoring violations
Residents with income below the poverty level in 2007:
| This city: | 9.6% | | Whole state: | 9.3% |
Residents with income below 50% of the poverty level in 2007:
| This city: | 3.7% | | Whole state: | 4.4% |
Detailed information about poverty and poor residents in Gardner, MA
People in group quarters in Gardner
- 982 people in state prisons
- 256 people in nursing homes
- 15 people in homes or halfway houses for drug/alcohol abuse
- 10 people in religious group quarters
- 9 people in other nonhousehold living situations
- 6 people in homes for the mentally retarded
Gardner compared to Massachusetts state average:
- Black race population percentage significantly below state average.
- Foreign-born population percentage above state average.
- Institutionalized population percentage above state average.
- Percentage of population with a bachelor's degree or higher below state average.
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Banks with branches in Gardner (2009 data):
- Bank of America, National Association: Parker Street Branch at 29 Parker Street, branch established on 1868-05-26. Info updated 2008-11-07: Bank assets: $1,471,631.0 mil, Deposits: $954,677.6 mil, headquarters in Charlotte, NC, positive income, 6194 total offices, Holding Company: Bank Of America Corporation
- Colonial Co-operative Bank: Colonial Co-Operative Bank at 6 City Hall Avenue, branch established on 1915-01-22. Info updated 2006-09-29: Bank assets: $71.7 mil, Deposits: $63.4 mil, local headquarters, positive income, Mortgage Lending Specialization, 3 total offices
- RBS Citizens, National Association: Gardner Stop & Shop Branch at 384 Timpany Blvd., branch established on 2001-12-19. Info updated 2007-09-19: Bank assets: $129,726.0 mil, Deposits: $73,811.7 mil, headquarters in Providence, RI, negative income in the last year, 1175 total offices, Holding Company: Royal Bank Of Scotland Group Plc, The
- Fidelity Co-operative Bank: Gardner Branch at 330 Main Street, branch established on 1984-04-17. Info updated 2006-10-24: Bank assets: $473.3 mil, Deposits: $340.2 mil, headquarters in Fitchburg, MA, positive income, Mortgage Lending Specialization, 7 total offices, Holding Company: Fidelity Mutual Holding Company
- TD Bank, National Association: Gardner Plaza Branch at 90 Pearson Boulevard, branch established on 1965-03-10. Info updated 2008-06-17: Bank assets: $101,632.1 mil, Deposits: $76,748.6 mil, headquarters in Wilmington, DE, positive income, Commercial Lending Specialization, 1084 total offices, Holding Company: Toronto-Dominion Bank, The
- Athol Savings Bank: Gardner Branch at 196 Timpany Boulevard, branch established on 2000-12-12. Info updated 2008-03-03: Bank assets: $293.3 mil, Deposits: $239.9 mil, headquarters in Athol, MA, positive income, Mortgage Lending Specialization, 8 total offices
Fire-safe hotels and motels in Gardner, Massachusetts
- Super 8 Motel, 22 Pearson Blvd, Gardner, MA 01440, Phone: (978) 630-2888, Fax: (978) 630-1716
- Colonial Hotel By Clarion, 625 Betty Spring Rd, Gardner, MA 01440, Phone: (888) 214-4991, Fax: (978) 632-0913
All 2 fire-safe hotels and motels in Gardner, Massachusetts
School Enrollment by Level of School
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Most commonly used house heating fuel:
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- Fuel oil, kerosene, etc. (69%)
- Utility gas (13%)
- Electricity (13%)
- Bottled, tank, or LP gas (3%)
- Other fuel (1%)
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Religion statistics for Gardner
| Name | Catholic Church | United Church of Christ | Episcopal Church | United Methodist Church | Evangelical Lutheran Church in America |
| Adherents | 71.7% | 4.4% | 2.4% | 2.0% | 1.9% |
| Congregations | 24.8% | 13.9% | 5.6% | 6.6% | 2.8% |
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| Name | American Baptist Churches in the USA | Muslim Estimate | Greek Orthodox Archdiocese of America | Seventh-Day Adventist Church | Other religions |
| Adherents | 1.5% | 1.3% | 1.1% | 1.1% | 12.5% |
| Congregations | 5.5% | 0.6% | 0.9% | 3.0% | 36.3% |
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Source: Jones, Dale E., et al. 2002. Congregations and Membership in the United States 2000. Nashville, TN: Glenmary Research Center. Tables represent county-level data.
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Local government employment and payroll (March 2007)
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| Function |
Full-time employees |
Monthly full-time payroll |
Average yearly full-time wage |
Part-time employees |
Monthly part-time payroll |
| Financial Administration |
14 | $46,013 | $39,440 | 5 | $3,510 |
| Other Government Administration |
6 | $24,346 | $48,692 | 20 | $6,100 |
| Judicial and Legal |
2 | $6,028 | $36,168 | 0 | $0 |
| Police Protection - Officers |
36 | $159,409 | $53,136 | 0 | $0 |
| Police - Other |
9 | $25,126 | $33,501 | 13 | $8,238 |
| Firefighters |
33 | $147,924 | $53,791 | 0 | $0 |
| Fire - Other |
1 | $2,626 | $31,512 | 0 | $0 |
| Streets and Highways |
24 | $94,502 | $47,251 | 0 | $0 |
| Welfare |
5 | $15,953 | $38,287 | 0 | $0 |
| Health |
5 | $15,209 | $36,502 | 2 | $1,625 |
| Solid Waste Management |
1 | $3,286 | $39,432 | 2 | $1,085 |
| Sewerage |
2 | $6,015 | $36,090 | 1 | $1,723 |
| Parks and Recreation |
11 | $38,151 | $41,619 | 13 | $7,803 |
| Housing and Community Development(Local) |
5 | $20,063 | $48,151 | 5 | $272 |
| Natural Resources |
0 | $0 | | 8 | $2,487 |
| Water Supply |
1 | $4,177 | $50,124 | 0 | $0 |
| Elementary and Secondary - Instruction |
286 | $1,168,326 | $49,021 | 38 | $41,110 |
| Elementary and Secondary - Other Total |
31 | $99,845 | $38,650 | 0 | $0 |
| Local Libraries |
11 | $19,647 | $21,433 | 3 | $1,674 |
| Other and Unallocable |
8 | $28,527 | $42,791 | 6 | $4,916 |
| Totals for Government |
491 | $1,925,173 | $47,051 | 116 | $80,543 |
Gardner government finances in 2006:
- Bond Funds - Cash and Securities: $498,000
- Charges - Sewerage: $2,418,000
All Other: $1,241,000
Parks and Recreation: $627,000
Elementary and Secondary Education School Lunch: $491,000
Elementary and Secondary Education - Other: $101,000
Elementary and Secondary Education School Tuition and Transportation: $91,000
Parking Facilities: $76,000
Natural Resources - Other: $13,000
Miscellaneous Commercial Activities: $4,000
- Construction - Water Utilities: $829,000
Sewerage: $757,000
Regular Highways: $753,000
Libraries: $259,000
- Current Operations - Elementary and Secondary Education: $26,651,000
Police Protection: $2,308,000
General - Other: $2,048,000
Local Fire Protection: $1,922,000
Regular Highways: $1,919,000
Sewerage: $1,742,000
Health - Other: $1,510,000
Water Utilities: $1,152,000
Parks and Recreation: $1,008,000
Housing and Community Development: $864,000
Financial Administration: $736,000
Libraries: $629,000
Protective Inspection and Regulation, NEC: $522,000
Public Welfare - Other: $253,000
General Public Buildings: $168,000
Central Staff Services: $166,000
Judicial and Legal Services: $68,000
Natural Resources - Other: $29,000
- Federal Intergovernmental - Housing and Community Development: $1,049,000
All Other: $219,000
Education: $0
- General - Interest on Debt: $1,151,000
- Intergovernmental to Local NEC - Elementary and Secondary Education: $2,371,000
Health - Other: $4,000
- Intergovernmental to State - Transit Utilities: $179,000
General - Other: $31,000
- Long Term Debt Retired Unspecified Public Purpose: $4,522,000
- Miscellaneous - Interest Earnings: $612,000
General Revenue, NEC: $568,000
Fines and Forfeits: $115,000
Donations From Private Sources: $101,000
- NEW for 2005 - Long Term Debt Beginning Outstanding - Unspecified Public Purpose: $44,630,000
Long Term Debt Outstanding Unspecified Public Purpose: $40,300,000
Long Term Debt Issue, Unspecified Public Purpose: $192,000
- Other Capital Outlay - General - Other: $675,000
Elementary and Secondary Education: $98,000
Sewerage: $65,000
Police Protection: $64,000
Protective Inspection and Regulation, NEC: $6,000
- Other Funds - Cash and Securities: $10,513,000
- Revenue - Water Utilities: $3,117,000
- Short Term Debt Outstanding - Beginning: $1,475,000
End of Fiscal Year: $1,283,000
- Sinking Funds - Cash and Securities: $8,731,000
- State Intergovernmental - Education: $20,890,000
General Local Government Support: $4,311,000
All Other: $988,000
Water Utilities: $380,000
Highways: $338,000
Public Welfare: $152,000
Housing and Community Development: $51,000
Sewerage: $26,000
- Tax - Property: $16,887,000
Other License: $232,000
Other Selective Sales: $116,000
- Total Salaries and Wages: $22,668,000
- Water Utilities - Interest on Debt: $876,000
4.47% of this county's 2006 resident taxpayers lived in other counties in 2005 ($50,737 average adjusted gross income) | Here: | 4.47% | | Massachusetts average: | 6.31% |
0.14% of residents moved from foreign countries ($421 average AGI)| Worcester County: | 0.14% | | Massachusetts average: | 0.28% |
Top counties from which taxpayers relocated into this county between 2005 and 2006:
4.90% of this county's 2005 resident taxpayers moved to other counties in 2006 ($51,085 average adjusted gross income) | Here: | 4.90% | | Massachusetts average: | 6.91% |
0.08% of residents moved to foreign countries ($610 average AGI)| Worcester County: | 0.08% | | Massachusetts average: | 0.11% |
Top counties to which taxpayers relocated from this county between 2005 and 2006:
Strongest AM radio stations in Gardner:
- WGAW (1340 AM; 1 kW; GARDNER, MA; Owner: ANASTOS MEDIA GROUP, INC.)
- WCRN (830 AM; 50 kW; WORCESTER, MA; Owner: CARTER BROADCASTING CORPORATION)
- WEIM (1280 AM; 5 kW; FITCHBURG, MA; Owner: LIVEAIR COMMUNICATIONS, INC.)
- WVNE (760 AM; daytime; 25 kW; LEICESTER, MA; Owner: BLOUNT MASSCOM, INC.)
- WRKO (680 AM; 50 kW; BOSTON, MA; Owner: ENTERCOM BOSTON LICENSE, LLC)
- WFGL (960 AM; 3 kW; FITCHBURG, MA; Owner: CSN INTERNATIONAL)
- WKOX (1200 AM; 50 kW; FRAMINGHAM, MA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
- WNNZ (640 AM; 50 kW; WESTFIELD, MA; Owner: CLEAR CHANNEL BROADCASTING LICENSES, INC.)
- WEEI (850 AM; 50 kW; BOSTON, MA; Owner: ENTERCOM BOSTON LICENSE, LLC)
- WBIX (1060 AM; 40 kW; NATICK, MA; Owner: LANGER BROADCASTING CORPORATION)
- WTAG (580 AM; 5 kW; WORCESTER, MA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
- WALE (990 AM; 50 kW; GREENVILLE, RI; Owner: NORTH AMERICAN BROADCASTING CO., INC.)
- WAMG (890 AM; 25 kW; DEDHAM, MA; Owner: MEGA COMMUNICATIONS OF DEDHAM LICENSEE, LLC)
Strongest FM radio stations in Gardner:
- WXLO (104.5 FM; FITCHBURG, MA; Owner: CITADEL BROADCASTING COMPANY)
- WAHL (99.9 FM; ATHOL, MA; Owner: CITADEL BROADCASTING COMPANY)
- WFEX (92.1 FM; PETERBOROUGH, NH; Owner: FNX BROADCASTING OF NEW HAMPSHIRE LLC)
- WINQ (97.7 FM; WINCHENDON, MA; Owner: SAGA COMMUNICATIONS OF NEW ENGLAND, LLC)
- WAAF (107.3 FM; WORCESTER, MA; Owner: ENTERCOM BOSTON LICENSE, LLC)
- WSRS (96.1 FM; WORCESTER, MA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
- WFCR (88.5 FM; AMHERST, MA; Owner: UNIVERSITY OF MASSACHUSETTS)
- WHDQ (106.1 FM; CLAREMONT, NH; Owner: GREAT NORTHERN RADIO, L.L.C.)
- WAMH (89.3 FM; AMHERST, MA; Owner: TRUSTEES OF AMHERST COLLEGE)
- WGIR-FM (101.1 FM; MANCHESTER, NH; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
- WEQX (102.7 FM; MANCHESTER, VT; Owner: NORTHSHIRE COMMUNICATIONS, INC.)
- WQLL (96.5 FM; BEDFORD, NH; Owner: SAGA COMMUNICATIONS OF NEW ENGLAND, LLC)
- WVPR (89.5 FM; WINDSOR, VT; Owner: VERMONT PUBLIC RADIO)
- WLMW (90.7 FM; MANCHESTER, NH; Owner: KNOWLEDGE FOR LIFE)
- WAMC-FM (90.3 FM; ALBANY, NY; Owner: WAMC)
- WZID (95.7 FM; MANCHESTER, NH; Owner: SAGA COMMUNICATIONS OF NEW ENGLAND, LLC)
- WYRY (104.9 FM; HINSDALE, NH; Owner: TRI-VALLEY BROADCASTING CORPORATION)
- WKNE (103.7 FM; KEENE, NH; Owner: SAGA COMMUNICATIONS OF NEW ENGLAND, LLC)
- WBMX (98.5 FM; BOSTON, MA; Owner: INFINITY RADIO OPERATIONS INC.)
- WJMN (94.5 FM; BOSTON, MA; Owner: AMFM RADIO LICENSES, L.L.C.)
TV broadcast stations around Gardner:
- WUNI (Channel 27; WORCESTER, MA; Owner: ENTRAVISION HOLDINGS, LLC)
- WUTF (Channel 66; MARLBOROUGH, MA; Owner: TELEFUTURA BOSTON LLC)
- WYDN (Channel 48; WORCESTER, MA; Owner: EDUCATIONAL PUBLIC TV CORPORATION)
- WCVB-TV (Channel 5; BOSTON, MA; Owner: WCVB HEARST-ARGYLE TV, INC.)
- WGBH-TV (Channel 2; BOSTON, MA; Owner: WGBH EDUCATIONAL FOUNDATION)
- WHDH-TV (Channel 7; BOSTON, MA; Owner: WHDH-TV)
- WMFP (Channel 62; LAWRENCE, MA; Owner: WSAH LICENSE, INC.)
- WBZ-TV (Channel 4; BOSTON, MA; Owner: VIACOM INC.)
- WGBX-TV (Channel 44; BOSTON, MA; Owner: WGBH EDUCATIONAL FOUNDATION)
- WSBK-TV (Channel 38; BOSTON, MA; Owner: VIACOM INC.)
- WLVI-TV (Channel 56; CAMBRIDGE, MA; Owner: WLVI, INC.)
- WFXT (Channel 25; BOSTON, MA; Owner: FOX TELEVISION STATIONS INC.)
Fatal accident count (per 100,000 population)
See more detailed statistics of Gardner fatal car crashes and road traffic accidents for 1975 - 2008 here
National Bridge Inventory (NBI) Statistics
Number of bridges: 36
Total length: 80 meters (262ft)
Total costs: $24,328,000
Total average daily traffic: 527,030
Total average daily truck traffic: 68,391
Total future (year 2024) average daily traffic: 832,244
New bridges - Historical Statistics
- Before 1900: 2
- 1900-1909: 1
- 1910-1919: 0
- 1920-1929: 2
- 1930-1939: 9
- 1940-1949: 0
- 1950-1959: 1
- 1960-1969: 17
- 1970-1979: 0
- 1980-1989: 2
- 1990-1999: 2
See Full National Bridge Inventory Statistics for Gardner, MA
FCC Registered Cell Phone Towers: 1- Site - Gardner Linus Allain Ave, Structure height: 61 m, Call Sign: KNKA359
869.040 MHz, 890.010 MHz, 834.390 MHz, 879.390 MHz, 824.040 MHz, 845.010 MHz, 869.040 MHz, 890.010 MHz, 834.390 MHz, 879.390 MHz... (+8 more) Grant Date: 08/30/2005, Expiration Date: 10/01/2015, Certifier: Carol L Tacker
Registrant: Cingular Wireless LLC, 11760 U.S. Highway 1, 6th Floor, North Palm Beach, FL 33408, Phone: (469) 229-7422, Fax: (469) 229-7297, Email:
FCC Registered Antenna Towers: 5- Sheila Smith, 395 Partridge St Off Rt 2a, Type: Tower, Structure height: 78.6 m, Overall height: 84.4 m
Registrant: Comcast Corporation, One Comcast Center, Philadelphia, PA 19103-2838, Phone: (215) 286-7454, Email:
- William R Sproles, 91 Wilkins Road (Gardner Office), Type: Pole, Structure height: 28.3 m, Overall height: 28.3 m
Registrant: National Grid Usa Service Company, Inc., 25 Research Drive, Westborough, MA 01582, Phone: (508) 389-4600, Email:
- Richard P Ares, 70 City Hall Avenue, Type: Tower, Structure height: 30.4 m, Overall height: 36.9 m
Registrant: Skylines Unlimited Inc, 100 Stone Church Road, Carlisle, PA 17015, Phone: (717) 218-5003, Email:
- Rear Reservoir Hill, Type: Tower, Structure height: 27.7 m, Overall height: 27.7 m
Registrant: Hirons, Frank K, 1390 Mayflower Ave, Melbourne, FL 32940, Phone: (407) 255-6691 - Tim McDougall, Linus Allain Avenue ( 305106 ), Type: Tower, Structure height: 53.6 m, Overall height: 57.3 m
Registrant: Spectrasite Communications, Inc. Through American Tower, Inc., 116 Huntington Ave, Boston, MA 02116, Phone: (617) 585-7600
FCC Registered Commercial Land Mobile Towers: 2 (See the full list of FCC Registered Commercial Land Mobile Towers in Gardner, MA)
FCC Registered Private Land Mobile Towers: 7 (See the full list of FCC Registered Private Land Mobile Towers)
FCC Registered Microwave Towers: 4 (See the full list of FCC Registered Microwave Towers in this town)
FCC Registered Paging Towers: 10 (See the full list of FCC Registered Paging Towers)
FCC Registered Maritime Coast & Aviation Ground Towers: 1 (See the full list of FCC Registered Maritime Coast & Aviation Ground Towers)
FCC Registered Amateur Radio Licenses: 58 (See the full list of FCC Registered Amateur Radio Licenses in Gardner)
FAA Registered Aircrafts: 9 (See the full list of FAA Registered Aircrafts in Gardner)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 5 full tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 13 | $209,692 | 201 | $151,517 | 279 | $146,774 | 96 | $47,885 | 11 | $382,364 | 33 | $152,667 | 9 | $54,333 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $190,000 | 21 | $139,095 | 52 | $162,288 | 12 | $65,750 | 0 | $0 | 4 | $141,250 | 0 | $0 |
| APPLICATIONS DENIED | 4 | $189,000 | 35 | $149,171 | 317 | $186,114 | 48 | $64,458 | 1 | $125,000 | 21 | $139,190 | 2 | $66,500 |
| APPLICATIONS WITHDRAWN | 4 | $202,000 | 18 | $145,833 | 117 | $171,000 | 10 | $91,100 | 0 | $0 | 2 | $124,000 | 1 | $48,000 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $209,000 | 5 | $181,800 | 38 | $202,237 | 3 | $43,000 | 0 | $0 | 0 | $0 | 1 | $54,000 |
Aggregated Statistics For Year 2006 (Based on 5 full tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 10 | $215,600 | 324 | $137,710 | 463 | $153,844 | 122 | $73,713 | 11 | $218,909 | 63 | $148,317 | 7 | $75,143 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 37 | $136,676 | 77 | $150,273 | 14 | $73,000 | 1 | $187,000 | 15 | $118,400 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $254,500 | 64 | $135,250 | 340 | $165,965 | 76 | $89,816 | 3 | $382,333 | 25 | $137,800 | 5 | $127,800 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 36 | $134,417 | 249 | $166,474 | 21 | $127,143 | 1 | $17,000 | 17 | $164,412 | 1 | $125,000 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 7 | $170,429 | 63 | $183,857 | 4 | $77,250 | 0 | $0 | 3 | $171,333 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 5 full tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 25 | $202,720 | 446 | $134,688 | 545 | $152,583 | 114 | $72,974 | 8 | $241,125 | 88 | $151,568 | 11 | $80,545 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 42 | $158,095 | 65 | $173,415 | 18 | $37,500 | 1 | $285,000 | 5 | $171,600 | 2 | $34,000 |
| APPLICATIONS DENIED | 9 | $215,778 | 87 | $119,701 | 336 | $162,405 | 69 | $72,391 | 1 | $528,000 | 22 | $139,227 | 3 | $128,667 |
| APPLICATIONS WITHDRAWN | 1 | $225,000 | 43 | $146,605 | 253 | $173,601 | 40 | $158,850 | 1 | $200,000 | 18 | $165,278 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $156,000 | 25 | $130,160 | 116 | $176,052 | 3 | $117,333 | 0 | $0 | 3 | $196,000 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 5 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 47 | $194,319 | 384 | $140,135 | 590 | $140,439 | 118 | $75,805 | 12 | $287,000 | 80 | $128,650 | 2 | $59,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $192,000 | 38 | $124,368 | 69 | $155,565 | 4 | $60,750 | 3 | $239,333 | 4 | $100,000 | 1 | $17,000 |
| APPLICATIONS DENIED | 8 | $204,000 | 68 | $128,309 | 231 | $152,416 | 74 | $42,851 | 1 | $289,000 | 14 | $150,929 | 5 | $46,400 |
| APPLICATIONS WITHDRAWN | 1 | $234,000 | 29 | $144,931 | 231 | $143,649 | 16 | $58,063 | 0 | $0 | 13 | $150,462 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 10 | $113,200 | 164 | $153,329 | 11 | $149,636 | 0 | $0 | 5 | $157,400 | 1 | $64,000 |
Aggregated Statistics For Year 2003 (Based on 5 full tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 54 | $157,204 | 317 | $135,022 | 1,130 | $119,437 | 56 | $36,554 | 16 | $186,688 | 86 | $105,012 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $169,333 | 22 | $155,318 | 110 | $125,173 | 12 | $28,417 | 0 | $0 | 11 | $145,545 |
| APPLICATIONS DENIED | 4 | $143,500 | 38 | $124,342 | 325 | $124,145 | 45 | $27,267 | 1 | $238,000 | 22 | $94,682 |
| APPLICATIONS WITHDRAWN | 1 | $152,000 | 24 | $130,917 | 277 | $133,946 | 9 | $37,556 | 0 | $0 | 17 | $108,294 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $166,500 | 4 | $127,000 | 24 | $122,958 | 2 | $65,000 | 0 | $0 | 3 | $76,333 |
Aggregated Statistics For Year 2002 (Based on 5 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 73 | $145,726 | 249 | $123,534 | 720 | $109,478 | 63 | $33,667 | 10 | $173,400 | 55 | $87,473 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $126,000 | 15 | $129,000 | 90 | $101,944 | 8 | $26,625 | 2 | $114,000 | 7 | $79,143 |
| APPLICATIONS DENIED | 8 | $168,375 | 20 | $119,800 | 159 | $100,365 | 24 | $19,417 | 1 | $263,000 | 7 | $106,857 |
| APPLICATIONS WITHDRAWN | 3 | $125,667 | 22 | $112,182 | 154 | $108,974 | 11 | $36,182 | 0 | $0 | 4 | $150,250 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 35 | $117,914 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 5 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 75 | $128,760 | 268 | $98,011 | 542 | $100,048 | 57 | $32,649 | 10 | $201,200 | 50 | $94,860 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $120,800 | 12 | $101,250 | 58 | $74,138 | 9 | $22,000 | 0 | $0 | 6 | $56,667 |
| APPLICATIONS DENIED | 5 | $133,800 | 30 | $73,200 | 168 | $84,238 | 45 | $23,156 | 0 | $0 | 11 | $82,182 |
| APPLICATIONS WITHDRAWN | 4 | $153,250 | 16 | $118,625 | 142 | $96,972 | 17 | $37,412 | 0 | $0 | 3 | $89,000 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $122,500 | 3 | $79,000 | 18 | $112,056 | 1 | $34,000 | 0 | $0 | 1 | $66,000 |
Aggregated Statistics For Year 2000 (Based on 5 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 90 | $105,989 | 248 | $82,911 | 119 | $75,664 | 50 | $20,040 | 5 | $73,400 | 29 | $58,379 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $121,000 | 13 | $72,692 | 35 | $77,314 | 20 | $24,400 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 5 | $96,000 | 43 | $76,186 | 114 | $58,482 | 34 | $21,941 | 0 | $0 | 10 | $59,400 |
| APPLICATIONS WITHDRAWN | 4 | $81,750 | 28 | $67,464 | 96 | $79,781 | 8 | $39,750 | 1 | $76,000 | 13 | $65,308 |
| FILES CLOSED FOR INCOMPLETENESS | 3 | $85,333 | 2 | $186,500 | 5 | $65,400 | 1 | $45,000 | 0 | $0 | 1 | $132,000 |
Aggregated Statistics For Year 1999 (Based on 5 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 92 | $95,925 | 238 | $75,496 | 242 | $76,792 | 53 | $18,286 | 8 | $148,254 | 33 | $65,017 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $81,657 | 14 | $84,094 | 46 | $76,885 | 19 | $23,269 | 0 | $0 | 10 | $78,622 |
| APPLICATIONS DENIED | 12 | $81,426 | 27 | $60,678 | 114 | $64,037 | 42 | $18,097 | 1 | $98,000 | 18 | $42,669 |
| APPLICATIONS WITHDRAWN | 14 | $96,322 | 35 | $66,299 | 108 | $71,713 | 5 | $15,846 | 0 | $0 | 5 | $42,414 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $78,400 | 1 | $19,700 | 16 | $68,730 | 0 | $0 | 0 | $0 | 1 | $65,960 |
Detailed HMDA statistics for the following Tracts:
7071.00
, 7072.00, 7073.00, 7074.00, 7075.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 64 | $182,531 | 33 | $198,697 | 3 | $179,667 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 12 | $183,250 | 10 | $219,500 | 2 | $103,500 |
| APPLICATIONS DENIED | 0 | $0 | 2 | $164,000 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 6 | $216,167 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 47 | $192,000 | 30 | $223,200 | 3 | $160,667 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $208,875 | 10 | $202,000 | 2 | $191,500 |
| APPLICATIONS DENIED | 1 | $204,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 2 | $180,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $315,000 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 58 | $182,086 | 25 | $202,680 | 4 | $169,500 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $146,000 | 4 | $193,750 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $114,000 | 1 | $250,000 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $212,500 | 1 | $250,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 77 | $180,130 | 26 | $176,192 | 6 | $192,333 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 11 | $142,455 | 16 | $176,563 | 1 | $192,000 |
| APPLICATIONS DENIED | 1 | $337,000 | 1 | $122,000 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $159,000 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $173,000 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 95 | $153,947 | 40 | $151,950 | 9 | $143,222 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 15 | $181,933 | 14 | $161,857 | 1 | $162,000 |
| APPLICATIONS DENIED | 1 | $246,000 | 3 | $174,333 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $165,000 | 4 | $178,250 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $128,000 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 97 | $142,330 | 57 | $134,632 | 6 | $104,500 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $118,000 | 6 | $151,833 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $110,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $117,000 | 3 | $131,333 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $100,000 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 70 | $116,843 | 46 | $129,500 | 9 | $106,333 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 6 | $132,000 | 8 | $117,375 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $73,500 | 3 | $90,000 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $121,000 | 2 | $102,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $108,000 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 67 | $101,955 | 18 | $107,444 | 2 | $70,000 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $96,750 | 5 | $102,400 | 1 | $54,000 |
| APPLICATIONS DENIED | 2 | $103,000 | 2 | $115,500 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $86,667 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 5 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 65 | $102,183 | 30 | $102,131 | 2 | $76,930 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $113,378 | 1 | $91,000 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $112,490 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $98,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $109,760 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
7071.00
, 7072.00, 7073.00, 7074.00, 7075.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
2006 National Fire Incident Reporting System Incidents:- Fire: 115
- Hazardous Condition: 141
- Service Call: 22
- Good Intent Call: 5
See Full 2006 National Fire Incident Reporting System Statistics for Gardner, MA
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