Gardner Financial Services, Ltd. mortgage approval rate & lending review
Gardner Financial Services, Ltd. decided 7,000 mortgage applications and funded 6,764 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gardner Financial Services, Ltd. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to gardnerfinancialservices.com.
Gardner Financial Services, Ltd. at a glance
Approval is 11.8 points above the 86.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 5,991 / 6,090 | 98% | $305K | 5,897 |
| Cash-out refinance | 97% | 205 / 211 | 98% | $265K | 201 |
| Refinance | 97% | 240 / 247 | 97% | $375K | 232 |
| Investment property purchase | 98% | 363 / 370 | 98% | $205K | 357 |
| Investment cash-out refinance | 96% | 43 / 45 | 100% | $195K | 43 |
| Investment refinance | 96% | 26 / 27 | 92% | $225K | 24 |
Gardner Financial Services, Ltd. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 99% | $305K | 4,388 | 4,276 |
| Florida | 97% | $265K | 1,002 | 949 |
| Arizona | 98% | $335K | 617 | 587 |
| Utah | 99% | $445K | 298 | 292 |
| Oklahoma | 99% | $195K | 272 | 262 |
| Tennessee | 99% | $325K | 106 | 105 |
| Georgia | 86% | $325K | 88 | 76 |
| South Carolina | 95% | $325K | 85 | 78 |
| New Mexico | 100% | $415K | 23 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Gardner Financial Services, Ltd. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bexar County, TX | Mortgage lenders | 99% | 1,468 | 1,436 |
| Polk County, FL | Mortgage lenders | 98% | 522 | 506 |
| Tarrant County, TX | Mortgage lenders | 99% | 367 | 360 |
| Nueces County, TX | Mortgage lenders | 99% | 324 | 316 |
| Yavapai County, AZ | Mortgage lenders | 98% | 308 | 294 |
| Guadalupe County, TX | Mortgage lenders | 100% | 209 | 204 |
| Comal County, TX | Mortgage lenders | 97% | 197 | 190 |
| Oklahoma County, OK | Mortgage lenders | 99% | 125 | 121 |
| Salt Lake County, UT | Mortgage lenders | 100% | 107 | 105 |
| Canadian County, OK | Mortgage lenders | 100% | 78 | 76 |
| Escambia County, FL | Mortgage lenders | 98% | 82 | 75 |
| Bexar County, TX | Investment property purchase | 97% | 75 | 70 |
The county markets where Gardner Financial Services, Ltd. made the most loans. Each link opens that market with every lender ranked.
Questions about Gardner Financial Services, Ltd.
What is Gardner Financial Services, Ltd.'s mortgage approval rate?
Gardner Financial Services, Ltd. approved 98.3% of the 7,000 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.8 points above the 86.5% national rate for the same mix of loan types.
How often do borrowers take the loan Gardner Financial Services, Ltd. offers?
Borrowers accepted 98% of the loans Gardner Financial Services, Ltd. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gardner Financial Services, Ltd. make?
The typical home purchase mortgage loan Gardner Financial Services, Ltd. made was $305K; across all loan types its typical loan ran from $195K to $375K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gardner Financial Services, Ltd. lend?
Gardner Financial Services, Ltd. decided applications in 35 of the states Fat Boy Data covers, most of them in Texas, Florida and Arizona.
Can I apply to Gardner Financial Services, Ltd. directly?
Yes. Gardner Financial Services, Ltd. reports as a direct lender that takes applications from borrowers. Its website is gardnerfinancialservices.com.
Does this page show Gardner Financial Services, Ltd.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Gardner Financial Services, Ltd. treats applications, then get a rate quote from the lender.