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GARDNER FINANCIAL SERVICES, LTD.
Independent Mortgage Company|SAN ANTONIO, TX|Near-National
Loans Originated
2,630
Applications
3,501
Volume
$907 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.534%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,522
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.1%
Percentage of applications that result in closed loans
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)
Report Card
GARDNER FINANCIAL SERVICES, LTD. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 27 metro areas · 30 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$345,049
Average Borrower Income
$141,006
Average Property Value
$426,114
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% | $4,315 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 888 | 33.8% | +0.725% | $4,660 |
VA Loans | Sound | Strong | Mediocre | Exceptional | 340 | 12.9% | -0.128% | $5,626 |
Jumbo Loans | Sound | Strong | N/A | Sound | 37 | 1.4% | +0.481% | $4,609 |
USDA Loans | Sound | Sound | N/A | N/A | 16 | 0.6% | +0.502% | $1,630 |
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% | $4,510 |
Refinance | Sound | Strong | Mediocre | Strong | 159 | 6.0% | +0.448% | $4,683 |
Geographic Coverage
Metro Areas
26
States Served
30
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAILINKSKYLAMIMNMONCNENJNMNVOHOKORPASCSDTNTXUTWA
Top Metro Areas by Place Specialization Score
1
Prescott Valley, AZMSA
Volume: 137Mix: 5.21%
Place Specialization
Exceptional
2
Lakeland, FLMSA
Volume: 302Mix: 11.48%
Place Specialization
Exceptional
3
San Antonio, TXMSA
Volume: 649Mix: 24.68%
Place Specialization
Exceptional
4
Corpus Christi, TX, TXMSA
Volume: 138Mix: 5.25%
Place Specialization
Exceptional
5
Oklahoma City, OK, OKMSA
Volume: 149Mix: 5.67%
Place Specialization
Strong
6
Fort Worth, TXMSA
Volume: 157Mix: 5.97%
Place Specialization
Strong
7
Dallas, TXMSA
Volume: 173Mix: 6.58%
Place Specialization
Strong
8
Austin, TXMSA
Volume: 83Mix: 3.16%
Place Specialization
Strong
9
Pensacola, FLMSA
Volume: 48Mix: 1.83%
Place Specialization
Strong
10
Houston, TXMSA
Volume: 105Mix: 3.99%
Place Specialization
Strong
Showing 10 of 26 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,417Mix: 53.88%
Place Specialization
Exceptional
2
FLState
Volume: 501Mix: 19.05%
Place Specialization
Strong
3
OKState
Volume: 164Mix: 6.24%
Place Specialization
Strong
4
AZState
Volume: 218Mix: 8.29%
Place Specialization
Strong
5
UTState
Volume: 131Mix: 4.98%
Place Specialization
Strong
6
TNState
Volume: 92Mix: 3.50%
Place Specialization
Sound
7
SCState
Volume: 32Mix: 1.22%
Place Specialization
Sound
8
GAState
Volume: 18Mix: 0.68%
Place Specialization
Sound
9
NMState
Volume: 12Mix: 0.46%
Place Specialization
Sound
How 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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