What loan types does Gardner Financial Services offer?

Gardner Financial Services offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Gardner Financial Services offer mortgages?

Gardner Financial Services 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's mortgage rates?

Gardner Financial Services has an overall pricing score of 13.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Gardner Financial Services?

Gardner Financial Services is a Independent Mortgage Company headquartered in SAN ANTONIO, TX.

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Gardner Financial Services

Independent Mortgage Company•San Antonio, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Gardner Financial Services — 2.6k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 26 mkts

Awards

FHA

Superstar

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 performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+53.4 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 27 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Mediocre	Strong	1,349	51.3%	+0.511%Above	$4,315Fees
FHA Loans	Sound	Exceptional	Mediocre	Exceptional	888	33.8%	+0.725%Above	$4,660Fees
VA Loans	Sound	Strong	Mediocre	Exceptional	340	12.9%	-0.128%Below	$5,626Fees
Jumbo Loans	Sound	Strong	—	Sound	37	1.4%	+0.481%Above	$4,609Fees
USDA Loans	Sound	Sound	—	—	16	0.6%	+0.502%Above	$1,630Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume1,349

Mix51.3%

Spread

+0.511%Above

Fees

$4,315Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Exceptional

Volume888

Mix33.8%

Spread

+0.725%Above

Fees

$4,660Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Exceptional

Volume340

Mix12.9%

Spread

-0.128%Below

Fees

$5,626Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume37

Mix1.4%

Spread

+0.481%Above

Fees

$4,609Fees

USDA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume16

Mix0.6%

Spread

+0.502%Above

Fees

$1,630Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Strong	Mediocre	Strong	2,471	94.0%	+0.540%Above	$4,510Fees
Refinance	Sound	Strong	Mediocre	Strong	159	6.0%	+0.448%Above	$4,683Fees

Purchase

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume2,471

Mix94.0%

Spread

+0.540%Above

Fees

$4,510Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume159

Mix6.0%

Spread

+0.448%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast2

NJPA

Midwest9

ILINKSMIMNMONEOHSD

South11

ALARFLGAKYLANCOKSCTNTX

West8

AZCACONMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Marine 69-71 · CC BY-SA 4.0

Prescott Valley, AZMetro

Volume 137Mix 5.21% of portfolio

91/100

Exceptional

2© Butter142 · CC BY-SA 4.0

Lakeland, FLMetro

Volume 302Mix 11.48% of portfolio

88/100

Exceptional

3© Medialecent · CC BY 4.0

San Antonio, TXMetro

Volume 649Mix 24.68% of portfolio

86/100

Exceptional

Corpus Christi, TXMetro

Volume 138Mix 5.25% of portfolio

80/100

Exceptional

Oklahoma City, OKMetro

Volume 149Mix 5.67% of portfolio

74/100

Strong

Fort Worth, TXMetro

Volume 157Mix 5.97% of portfolio

73/100

Strong

Dallas, TXMetro

Volume 173Mix 6.58% of portfolio

69/100

Strong

Austin, TXMetro

Volume 83Mix 3.16% of portfolio

65/100

Strong

Pensacola, FLMetro

Volume 48Mix 1.83% of portfolio

63/100

Strong

Houston, TXMetro

Volume 105Mix 3.99% of portfolio

62/100

Strong

Showing 10 of 26 metro areas

Top States by Place Specialization Score

TexasState

Volume 1,417Mix 53.88% of portfolio

84/100

Exceptional

FloridaState

Volume 501Mix 19.05% of portfolio

72/100

Strong

OklahomaState

Volume 164Mix 6.24% of portfolio

69/100

Strong

ArizonaState

Volume 218Mix 8.29% of portfolio

69/100

Strong

UtahState

Volume 131Mix 4.98% of portfolio

65/100

Strong

TennesseeState

Volume 92Mix 3.50% of portfolio

59/100

Sound

South CarolinaState

Volume 32Mix 1.22% of portfolio

49/100

Sound

GeorgiaState

Volume 18Mix 0.68% of portfolio

41/100

Sound

New MexicoState

Volume 12Mix 0.46% of portfolio

41/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

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.