# GARDNER FINANCIAL SERVICES, LTD.

> **Canonical URL:** https://saferate.com/lenders/gardner-financial-services


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GARDNER FINANCIAL SERVICES, LTD. is a independent mortgage company, headquartered in SAN ANTONIO, TX, serving borrowers across 30 states, with 2,630 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300M8WGW2D17CZD19
- **Headquarters:** SAN ANTONIO, TX
- **Geographic Reach:** Near-National
- **States Served:** 30
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MN, MO, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA
- **Markets (MSAs):** 27
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.534%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,522
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,630
- **Dollar Volume:** $907 million
- **Applications Received:** 3,501
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $345,049
- **Average Borrower Income:** $141,006
- **Average Property Value:** $426,114

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,349 | +0.511% | $4,315 | Strong 😀 |
| FHA | 83/100 | 888 | +0.725% | $4,660 | Exceptional 🤩 |
| VA | 80/100 | 340 | -0.128% | $5,626 | Strong 😀 |
| Jumbo | 69/100 | 37 | +0.481% | $4,609 | Strong 😀 |
| USDA | 50/100 | 16 | +0.502% | $1,630 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,229 loans, Score: 76/100 (Strong)
- Refinance: 120 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 863 loans, Score: 83/100 (Exceptional)
- Refinance: 25 loans, Score: 47/100 (Sound)

**VA:**
- Purchase: 332 loans, Score: 80/100 (Strong)

**Jumbo:**
- Purchase: 31 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 2,471 | $849M | +0.540% | Strong 😀 |
| Refinance | 65/100 | 159 | $59M | +0.448% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,417 | 0.40% | 84/100 |
| FL | 501 | 0.17% | 72/100 |
| AZ | 218 | 0.22% | 69/100 |
| OK | 164 | 0.40% | 69/100 |
| UT | 131 | 0.29% | 65/100 |
| TN | 92 | 0.10% | 59/100 |
| SC | 32 | 0.04% | 49/100 |
| GA | 18 | 0.01% | 41/100 |
| NM | 12 | 0.06% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 649 | 86/100 |
| Lakeland | FL | 302 | 88/100 |
| Dallas | TX | 173 | 69/100 |
| Fort Worth | TX | 157 | 73/100 |
| Oklahoma City, OK | OK | 149 | 74/100 |
| Corpus Christi, TX | TX | 138 | 80/100 |
| Prescott Valley | AZ | 137 | 91/100 |
| Non |  | 115 | 49/100 |
| Houston | TX | 105 | 62/100 |
| Austin | TX | 83 | 65/100 |
| Nashville | TN | 68 | 61/100 |
| Phoenix | AZ | 59 | 55/100 |
| Salt Lake City | UT | 59 | 61/100 |
| Tampa, FL | FL | 51 | 57/100 |
| Pensacola | FL | 48 | 63/100 |

## Where This Lender Ranks

GARDNER FINANCIAL SERVICES, LTD. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in San Antonio for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#7** in Oklahoma City, OK for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#8** in Oklahoma City, OK for USDA Loans
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/usda-loans)
- 🏆 **#8** in College Station for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#11** in College Station for VA Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Corpus Christi, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Prescott Valley for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#13** in Sebring, FL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Corpus Christi, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Prescott Valley for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#15** in Prescott Valley for VA Loans
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/va-loans)
- 🏆 **#15** in College Station for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Corpus Christi, TX for VA Loans
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/va-loans)
- 🏆 **#17** in San Antonio for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/jumbo-loans)
- 🏆 **#17** in Corpus Christi, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Prescott Valley for FHA Loans
  - [View Full Rankings](https://saferate.com/prescott-valley/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in College Station for FHA Loans
  - [View Full Rankings](https://saferate.com/college-station/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in Sebring, FL for Conventional Loans
  - [View Full Rankings](https://saferate.com/sebring-fl/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Corpus Christi, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does GARDNER FINANCIAL SERVICES, LTD. offer?

GARDNER FINANCIAL SERVICES, LTD. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GARDNER FINANCIAL SERVICES, LTD. offer mortgages?

GARDNER FINANCIAL SERVICES, LTD. offers mortgages in 30 states: AL, AR, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MN, MO, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, WA.

### How competitive are GARDNER FINANCIAL SERVICES, LTD.'s mortgage rates?

GARDNER FINANCIAL SERVICES, LTD. has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.534% above market average.

### What type of lender is GARDNER FINANCIAL SERVICES, LTD.?

GARDNER FINANCIAL SERVICES, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in SAN ANTONIO, TX.

### What is GARDNER FINANCIAL SERVICES, LTD.'s loan approval success rate?

GARDNER FINANCIAL SERVICES, LTD. has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/gardner-financial-services

### How to Cite

> "GARDNER FINANCIAL SERVICES, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gardner-financial-services

---

**[View Interactive Profile →](https://saferate.com/lenders/gardner-financial-services)**