Gardner Financial Services, Ltd.: 2025 mortgage rates, costs & approvals
How Gardner Financial Services, Ltd. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GARDNER FINANCIAL SERVICES, LTD. · LEI 549300M8WGW2D17CZD19
In 2025, Gardner Financial Services, Ltd. originated 2,381 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 28 states — 242nd by volume among the 2,017 lenders profiled here.
It denied 2.4% of completed home-purchase applications (all lenders: 8.5%).
How Gardner Financial Services, Ltd. priced home-purchase loans
| Purchase loans, 2025 | Gardner Financial Services, Ltd. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $7,450 | $5,570 |
| Total loan costs · FHA | $12,390 | $11,310 |
| Total loan costs · VA | $10,700 | $6,490 |
| Origination charges (all types) | $3,890 | $1,860 |
| Borrowers paying discount points | 70.2% | 51.3% |
| Points paid, when paid (% of loan) | 1.05% | 0.87% |
| Borrowers receiving lender credits | 9.2% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Gardner Financial Services, Ltd. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Gardner Financial Services, Ltd. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,473 | 1,545 | 1.9% | — | $8,650 |
| Arizona | 210 | 224 | 1.6% | — | $7,130 |
| Utah | 178 | 185 | 0.0% | — | $5,260 |
| Florida | 160 | 185 | 5.7% | — | $7,240 |
| Oklahoma | 159 | 168 | 0.6% | — | $5,050 |
| Georgia | 63 | 75 | 14.8% | — | $7,940 |
| Kansas | 39 | 44 | 11.4% | — | — |
| South Carolina | 34 | 38 | 3.0% | — | — |
| Tennessee | 15 | 15 | — | — | — |
| Colorado | 7 | 7 | — | — | — |
| New Mexico | 6 | 7 | — | — | — |
| California | 5 | 5 | — | — | — |
| Alabama | 4 | 5 | — | — | — |
| North Carolina | 4 | 4 | — | — | — |
| Illinois | 3 | 4 | — | — | — |
| Idaho | 3 | 3 | — | — | — |
| Minnesota | 3 | 3 | — | — | — |
| Iowa | 2 | 2 | — | — | — |
| Mississippi | 2 | 2 | — | — | — |
| Nevada | 2 | 2 | — | — | — |
| Pennsylvania | 2 | 2 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Indiana | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Oregon | 1 | 1 | — | — | — |
| Wisconsin | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Gardner Financial Services, Ltd.'s page for that state.
Counties where Gardner Financial Services, Ltd. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Finney County, KS | 2 | 34 | 15.4% |
| Dimmit County, TX | 4 | 2 | 8.0% |
| Kinney County, TX | 13 | 1 | 4.3% |
| Kimble County, TX | 13 | 1 | 4.2% |
| Refugio County, TX | 8 | 2 | 3.9% |
| Kearny County, KS | 8 | 1 | 3.9% |
| Yavapai County, AZ | 4 | 121 | 3.5% |
| Kendall County, TX | 6 | 31 | 3.1% |
| Kerr County, TX | 11 | 15 | 3.0% |
| Bandera County, TX | 8 | 7 | 2.9% |
| Atascosa County, TX | 11 | 11 | 2.3% |
| Nueces County, TX | 10 | 85 | 2.1% |
| Bexar County, TX | 12 | 528 | 2.0% |
| Brewster County, TX | 18 | 1 | 1.7% |
| Wilson County, TX | 16 | 12 | 1.5% |
Check Gardner Financial Services, Ltd. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300M8WGW2D17CZD19.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Gardner Financial Services, Ltd. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology