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Gardner Financial Services, Ltd.
Independent Mortgage Company•SAN ANTONIO, TX•Direct to Consumer
We analyzed every closed loan from Gardner Financial Services — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
Near-National · 26 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 53 basis points above market average
- Higher than average fees ($4,522)
Explore another lender or local market
Report Card
Gardner Financial Services, Ltd. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +53.4 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National27 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,349 | 51.3% | +0.511%Above | $4,315Fees | ||||
FHA Loans | 888 | 33.8% | +0.725%Above | $4,660Fees | ||||
VA Loans | 340 | 12.9% | -0.128%Below | $5,626Fees | ||||
Jumbo Loans | — | 37 | 1.4% | +0.481%Above | $4,609Fees | |||
USDA Loans | — | — | 16 | 0.6% | +0.502%Above | $1,630Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,471 | 94.0% | +0.540%Above | $4,510Fees | ||||
Refinance | 159 | 6.0% | +0.448%Above | $4,683Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,630
Applications
3,501
Volume
$907 million
Pricing & Closing
Avg Rate Spread
+0.534%
vs. market APOR
Avg Net Fees
$4,522
Origination − Credits
Pullthrough Rate
75.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$345,049
Avg Borrower Income
$141,006
Avg Property Value
$426,114
Geographic Coverage
Geographic Performance
Metro Areas
26
States Served
30
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOFLGAILINKSKYLAMIMNMONCNENJNMNVOHOKORPASCSDTNTXUTWA
Top Metro Areas by Place Specialization Score
1
Prescott Valley, AZMSA
Volume: 137Mix: 5.21%of portfolio
Place
Exceptional2
Lakeland, FLMSA
Volume: 302Mix: 11.48%of portfolio
Place
Exceptional3
San Antonio, TXMSA
Volume: 649Mix: 24.68%of portfolio
Place
Exceptional4
Corpus Christi, TX, TXMSA
Volume: 138Mix: 5.25%of portfolio
Place
Exceptional5
Oklahoma City, OK, OKMSA
Volume: 149Mix: 5.67%of portfolio
Place
Strong6
Fort Worth, TXMSA
Volume: 157Mix: 5.97%of portfolio
Place
Strong7
Dallas, TXMSA
Volume: 173Mix: 6.58%of portfolio
Place
Strong8
Austin, TXMSA
Volume: 83Mix: 3.16%of portfolio
Place
Strong9
Pensacola, FLMSA
Volume: 48Mix: 1.83%of portfolio
Place
Strong10
Houston, TXMSA
Volume: 105Mix: 3.99%of portfolio
Place
StrongShowing 10 of 26 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,417Mix: 53.88%of portfolio
Place
Exceptional2
FLState
Volume: 501Mix: 19.05%of portfolio
Place
Strong3
OKState
Volume: 164Mix: 6.24%of portfolio
Place
Strong4
AZState
Volume: 218Mix: 8.29%of portfolio
Place
Strong5
UTState
Volume: 131Mix: 4.98%of portfolio
Place
Strong6
TNState
Volume: 92Mix: 3.50%of portfolio
Place
Sound7
SCState
Volume: 32Mix: 1.22%of portfolio
Place
Sound8
GAState
Volume: 18Mix: 0.68%of portfolio
Place
Sound9
NMState
Volume: 12Mix: 0.46%of portfolio
Place
SoundHow We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.