Gardner Financial Services Ltd. Mortgage Rates, Fees & Info
SAN ANTONIO, TXLEI: 549300M8WGW2D17CZD19
Tax ID: 20-2749403
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Mortgage Data
Review & Overview
Gardner Financial Services Ltd. is a smaller mortgage company specializing in Home Purchase loans. Gardner Financial Services Ltd. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: San Antonio, Dallas, Austin, Corpus Christi, and Houston among others. We have data for 100 markets. (Some data included below & more in-depth data is available with an active subscription.)Gardner Financial Services Ltd. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Gardner Financial Services Ltd. is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
2,150Origination Dollar Volume (All Markets)
$762,000,000Relative Rate
Gardner Financial Services Ltd.'s average 30 year fixed mortgage rate was
6.73%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.25%.
Relative Fees (Closing Costs)
Gardner Financial Services Ltd.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $12,695.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $9,089.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 842 | $308,080,000 | $365,891 | $14,294 | 6.51% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 343 | $132,005,000 | $384,854 | $12,097 | 6.72% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 123 | $64,155,000 | $521,585 | $15,655 | 6.48% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 165 | $50,895,000 | $308,455 | $11,204 | 6.87% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 128 | $48,000,000 | $375,000 | $10,342 | 6.87% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 166 | $42,990,000 | $258,976 | $9,584 | 7.26% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 35 | $11,915,000 | $340,429 | $12,102 | 7.26% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 33 | $10,255,000 | $310,758 | $11,215 | 6.70% |
| Outside of Metro Areas | 31 | $8,385,000 | $270,484 | $11,314 | 6.76% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 25 | $7,075,000 | $283,000 | $11,267 | 7.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 18 | $6,560,000 | $364,444 | $11,926 | 7.40% |
| Kerrville, TX (FHA|USDA|VA) | 19 | $6,235,000 | $328,158 | $10,068 | 6.81% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 15 | $5,555,000 | $370,333 | $11,984 | 7.18% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 11 | $3,695,000 | $335,909 | $14,206 | 7.11% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 15 | $3,325,000 | $221,667 | $8,447 | 7.14% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $11,892 | 6.32% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $2,540,000 | $254,000 | $10,266 | 7.29% |
| Rockport, TX (FHA|USDA|VA) | 6 | $2,110,000 | $351,667 | $10,531 | 6.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $13,326 | 6.93% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $1,620,000 | $405,000 | $7,166 | 7.22% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $1,575,000 | $315,000 | $8,361 | 6.58% |
| Granbury, TX (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $8,374 | 7.21% |
| Del Rio, TX (FHA|USDA|VA) | 7 | $1,535,000 | $219,286 | $10,743 | 6.93% |
| WACO, TX (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $9,635 | 6.93% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $9,435 | 7.13% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $22,010 | 6.81% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $1,120,000 | $560,000 | $13,665 | 6.50% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 5 | $1,085,000 | $217,000 | $8,980 | 6.88% |
| OCALA, FL (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $10,354 | 7.47% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $9,620 | 6.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $12,081 | 6.81% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $7,180 | 7.43% |
| Brenham, TX (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $9,876 | 6.81% |
| Kingsville, TX (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $7,754 | 7.10% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $870,000 | $217,500 | $9,793 | 7.75% |
| Edwards, CO (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $34,954 | 6.50% |
| TYLER, TX (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $16,502 | 6.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $21,526 | 6.56% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $760,000 | $380,000 | $16,606 | 6.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,576 | 6.50% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $9,845 | 6.92% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $10,499 | 7.06% |
| Beeville, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $14,461 | 7.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $16,091 | 7.13% |
| Alice, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $8,616 | 6.25% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $12,136 | 7.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $9,467 | 6.63% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $9,163 | 7.50% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $14,124 | 6.00% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $16,460 | 8.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $9,686 | 7.38% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $11,094 | 7.38% |
| VICTORIA, TX (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,576 | 7.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $11,358 | 7.63% |
| Bay City, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 7.50% |
| Uvalde, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $28,391 | 6.13% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $18,976 | 7.13% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.25% |
| Wauchula, FL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $8,947 | 7.63% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $23,546 | 6.50% |
| Enterprise, AL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,331 | 6.63% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $14,369 | 7.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,155 | 7.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $18,859 | 5.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $13,895 | 6.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,038 | 6.88% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,624 | 8.00% |
| Dublin, GA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $8,136 | 6.94% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,612 | 7.13% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,271 | 8.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,453 | 7.75% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,693 | 6.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $23,227 | 6.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $16,427 | 6.88% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $17,115 | 5.75% |
| Fredericksburg, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.63% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $7,412 | 6.88% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $4,550 | 8.50% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $6,739 | 6.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $16,158 | 7.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,857 | 7.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,631 | 7.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $10,785 | 7.25% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,048 | 6.75% |
| Nacogdoches, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,418 | 6.88% |
| Athens, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,089 | 7.50% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $11,633 | 6.75% |
| Boone, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,190 | 6.88% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,771 | 8.75% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $10,156 | 6.38% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $8,202 | 7.13% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,650 | 8.25% |
| El Campo, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,628 | 6.38% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $7,215 | 6.13% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,363 | 6.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $5,489 | 7.25% |
| ST. JOSEPH, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,740 | 5.88% |
| Seneca, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $8,057 | 5.00% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.88% |
| Sweetwater, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $6,086 | 7.13% |
Similar Lenders
We use machine learning to identify the top lenders compared against GARDNER FINANCIAL SERVICES LTD. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2023, Gardner Financial Services Ltd.'s most frequently originated type of loan was Conventional, with 1,292 originations. Their 2nd most popular type was FHA, with 547 originations.
Loan Reason
For 2023, Gardner Financial Services Ltd.'s most frequently cited loan purpose was Home Purchase, with 2,009 originations. The 2nd most popular reason was Refi, with 72 originations.
Loan Duration/Length
For 2023, Gardner Financial Services Ltd.'s most frequently cited loan duration was 30 Year, with 2,083 originations. The 2nd most popular length was 15 Year, with 39 originations.
Origination Fees/Closing Costs
Gardner Financial Services Ltd.'s average total fees were $12,695, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,184 originations.
Interest Rates
During 2023, Gardner Financial Services Ltd.'s average interest rate for loans was 6.73%, while their most frequently originated rate bucket for loans was 6-7%, with 1,019 originations.
Loan Sizing
2023 saw Gardner Financial Services Ltd. place emphasis on $200k-400k loans with 1,199 originations, totaling $352,635,000 in origination value.
Applicant Income
Gardner Financial Services Ltd. lent most frequently to those with incomes in the $100k-150k range, with 625 originations. The second most popular income band? $75k-100k, with 435 originations.
Applicant Debt to Income Ratio
Gardner Financial Services Ltd. lent most frequently to those with DTI ratios of 30-36%, with 272 originations. The next most common DTI ratio? 50-60%, with 268 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.78%
Gardner Financial Services Ltd. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination66.23%
Gardner Financial Services Ltd. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,150 | $762,000,000 | $354,419 |