Gardner Financial Services Ltd. Mortgage Rates, Fees & Info

SAN ANTONIO, TX

LEI: 549300M8WGW2D17CZD19

Tax ID: 20-2749403

1.3 stars - Updated: 4/5/25 - out of 5 stars, based on 53 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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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, Lakeland, Prescott Valley, and Corpus Christi among others. We have data for 135 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 about average 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 7.06% 4/5/25
30 Year Conventional Purchase 7.17% 4/5/25
30 Year Conventional Refi 7.03% 4/5/25
30 Year Cash-out Refi 7.43% 4/5/25
30 Year FHA Purchase 7.44% 4/5/25
30 Year FHA Refi 7.08% 4/5/25
30 Year VA Purchase 6.58% 4/5/25
30 Year VA Refi 6.52% 4/5/25
30 Year USDA Purchase 7.20% 4/5/25
15 Year Conventional Purchase 6.36% 4/5/25
15 Year Conventional Refi 6.28% 4/5/25
15 Year Cash-out Refi 6.28% 4/5/25
15 Year VA Purchase 6.00% 4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Gardner Financial Services Ltd. Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Gardner Financial Services Ltd.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,844

Origination Dollar Volume (All Markets)

$956,120,000

Awards

GARDNER FINANCIAL SERVICES LTD. 30 Year Conventional Loans silver GARDNER FINANCIAL SERVICES LTD. FHA Loans silver GARDNER FINANCIAL SERVICES LTD. FHA Loans bronze
Show all (3) awards

Relative Rate

Gardner Financial Services Ltd.'s average 30 year fixed mortgage rate was 6.66%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.11%.

Relative Fees (Closing Costs)

Gardner Financial Services Ltd.'s average total fees/closing costs for a 30 year fixed rate mortgage were $11,752.

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 $8,356.

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) 695 $251,045,000 $361,216 $13,501 6.46%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 344 $130,520,000 $379,419 $13,044 6.65%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 331 $89,135,000 $269,290 $9,784 6.69%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 161 $53,095,000 $329,783 $11,256 6.80%
CORPUS CHRISTI, TX (FHA|USDA|VA) 136 $42,540,000 $312,794 $11,666 6.68%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 116 $40,440,000 $348,621 $10,797 6.92%
OKLAHOMA CITY, OK (FHA|USDA|VA) 157 $35,425,000 $225,637 $7,369 6.79%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 88 $35,270,000 $400,795 $14,512 6.45%
SALT LAKE CITY, UT (FHA|USDA|VA) 62 $28,190,000 $454,677 $9,230 6.96%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 73 $24,185,000 $331,301 $11,610 6.40%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 59 $23,435,000 $397,203 $13,056 7.12%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 68 $22,530,000 $331,324 $10,962 6.60%
Outside of Metro Areas 42 $14,830,000 $353,095 $11,831 6.80%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 52 $14,120,000 $271,538 $8,993 7.03%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 31 $13,785,000 $444,677 $9,567 6.84%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 34 $11,000,000 $323,529 $10,276 6.90%
PROVO-OREM, UT (FHA|USDA|VA) 25 $9,965,000 $398,600 $11,418 6.94%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 28 $9,320,000 $332,857 $13,381 6.43%
Heber, UT (FHA|USDA|VA) 8 $8,420,000 $1,052,500 $9,162 7.19%
Kerrville, TX (FHA|USDA|VA) 17 $6,515,000 $383,235 $12,773 6.99%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 20 $5,880,000 $294,000 $14,051 6.64%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 20 $5,010,000 $250,500 $8,932 6.89%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 15 $4,025,000 $268,333 $8,276 7.21%
Fredericksburg, TX (FHA|USDA|VA) 8 $3,560,000 $445,000 $14,848 7.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 9 $3,555,000 $395,000 $15,215 6.43%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 13 $3,545,000 $272,692 $11,221 7.17%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 16 $3,480,000 $217,500 $10,347 6.30%
OCALA, FL (FHA|USDA|VA) 14 $3,480,000 $248,571 $10,553 6.80%
TULSA, OK (FHA|USDA|VA) 8 $2,550,000 $318,750 $10,792 7.05%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 12 $2,460,000 $205,000 $8,780 7.34%
Granbury, TX (FHA|USDA|VA) 7 $2,385,000 $340,714 $10,971 6.93%
Rockport, TX (FHA|USDA|VA) 4 $2,070,000 $517,500 $13,403 6.91%
ST. GEORGE, UT (FHA|USDA|VA) 6 $1,720,000 $286,667 $3,455 7.13%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,705,000 $568,333 $17,591 6.54%
Show Low, AZ (FHA|USDA|VA) 3 $1,485,000 $495,000 $13,475 6.63%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $1,455,000 $485,000 $18,870 7.17%
Bonham, TX (FHA|USDA|VA) 3 $1,405,000 $468,333 $14,358 6.46%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $1,360,000 $680,000 $17,809 6.63%
KANSAS CITY, MO-KS (FHA|USDA|VA) 7 $1,325,000 $189,286 $10,980 6.91%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 5 $1,305,000 $261,000 $3,875 8.38%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $1,285,000 $257,000 $10,960 7.10%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $1,220,000 $305,000 $14,324 6.47%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $1,045,000 $209,000 $8,712 6.78%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 2 $1,040,000 $520,000 $8,962 6.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $1,025,000 $341,667 $9,636 6.58%
VALDOSTA, GA (FHA|USDA|VA) 2 $1,010,000 $505,000 $7,600 6.19%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,005,000 $335,000 $8,156 6.83%
EL PASO, TX (FHA|USDA|VA) 5 $985,000 $197,000 $8,360 5.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $890,000 $445,000 $17,821 5.94%
Wauchula, FL (FHA|USDA|VA) 4 $830,000 $207,500 $8,261 6.44%
HAMMOND, LA (FHA|USDA|VA) 1 $785,000 $785,000 $5,187 6.13%
Del Rio, TX (FHA|USDA|VA) 2 $760,000 $380,000 $17,351 6.69%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $730,000 $365,000 $14,630 6.19%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $670,000 $335,000 $11,972 7.50%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $665,000 $221,667 $5,720 6.54%
Huntsville, TX (FHA|USDA|VA) 1 $655,000 $655,000 $9,063 7.50%
Shawnee, OK (FHA|USDA|VA) 4 $650,000 $162,500 $7,369 6.75%
Athens, TX (FHA|USDA|VA) 1 $615,000 $615,000 $14,317 7.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $605,000 $605,000 $8,628 7.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $585,000 $585,000 $6,898 7.38%
LOGAN, UT-ID (FHA|USDA|VA) 2 $580,000 $290,000 $7,627 7.50%
Shelbyville, TN (FHA|USDA|VA) 2 $560,000 $280,000 $13,441 6.25%
RENO, NV (FHA|USDA|VA) 1 $555,000 $555,000 $12,309 6.63%
YUMA, AZ (FHA|USDA|VA) 2 $550,000 $275,000 $8,788 7.00%
FORT COLLINS, CO (FHA|USDA|VA) 1 $515,000 $515,000 $8,771 7.13%
FARMINGTON, NM (FHA|USDA|VA) 1 $515,000 $515,000 $10,576 6.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $490,000 $245,000 $15,047 6.19%
Pearsall, TX (FHA|USDA|VA) 2 $470,000 $235,000 $9,708 6.19%
Jefferson, GA (FHA|USDA|VA) 1 $455,000 $455,000 $17,388 6.13%
VICTORIA, TX (FHA|USDA|VA) 2 $450,000 $225,000 $12,299 6.06%
Alice, TX (FHA|USDA|VA) 3 $445,000 $148,333 $3,677 4.38%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $435,000 $435,000 $17,355 6.00%
GREELEY, CO (FHA|USDA|VA) 1 $435,000 $435,000 $18,630 6.63%
Stillwater, OK (FHA|USDA|VA) 1 $405,000 $405,000 $20,822 6.63%
LAREDO, TX (FHA|USDA|VA) 1 $395,000 $395,000 $16,908 6.75%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $395,000 $395,000 $15,553 5.63%
THE VILLAGES, FL (FHA|USDA|VA) 1 $385,000 $385,000 $8,517 6.50%
WACO, TX (FHA|USDA|VA) 2 $380,000 $190,000 $4,912 7.06%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $375,000 $375,000 $13,459 6.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $375,000 $375,000 $14,824 6.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $365,000 $365,000 $19,317 5.25%
COLUMBIA, SC (FHA|USDA|VA) 2 $360,000 $180,000 $2,818 6.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $355,000 $355,000 $12,324 6.63%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $350,000 $175,000 $5,449 6.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $335,000 $335,000 $11,852 6.25%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $325,000 $325,000 $8,464 7.63%
Cedar City, UT (FHA|USDA|VA) 1 $325,000 $325,000 $7,925 7.50%
Sweetwater, TX (FHA|USDA|VA) 1 $315,000 $315,000 $11,788 6.88%
Dublin, GA (FHA|USDA|VA) 1 $315,000 $315,000 $17,378 6.63%
Lake City, FL (FHA|USDA|VA) 1 $305,000 $305,000 $4,929 7.13%
Susanville, CA (FHA|USDA|VA) 1 $305,000 $305,000 $20,037 7.13%
Findlay, OH (FHA|USDA|VA) 1 $295,000 $295,000 $9,365 6.50%
Lawrenceburg, TN (FHA|USDA|VA) 1 $285,000 $285,000 $19,580 5.88%
NEW BERN, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,110 7.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,885 8.00%
CLEVELAND, TN (FHA|USDA|VA) 1 $265,000 $265,000 $10,815 6.75%
Gainesville, TX (FHA|USDA|VA) 1 $265,000 $265,000 $10,613 6.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $255,000 $255,000 $10,376 7.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $255,000 $255,000 $11,272 6.38%
Aberdeen, SD (FHA|USDA|VA) 1 $255,000 $255,000 $8,794 7.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $255,000 $255,000 $10,914 7.13%
COLUMBUS, OH (FHA|USDA|VA) 1 $255,000 $255,000 $7,287 7.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $9,944 6.75%
Cookeville, TN (FHA|USDA|VA) 1 $245,000 $245,000 $6,519 6.50%
ODESSA, TX (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.50%
SANTA FE, NM (FHA|USDA|VA) 1 $245,000 $245,000 $3,854 7.38%
LONGVIEW, TX (FHA|USDA|VA) 1 $245,000 $245,000 $12,812 7.13%
MIDLAND, TX (FHA|USDA|VA) 1 $235,000 $235,000 $12,486 7.75%
SUMTER, SC (FHA|USDA|VA) 1 $235,000 $235,000 $12,729 7.50%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $215,000 $215,000 $6,052 6.13%
Boone, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 8.00%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $215,000 $215,000 $12,495 6.00%
TUCSON, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $7,714 6.63%
LUBBOCK, TX (FHA|USDA|VA) 1 $205,000 $205,000 $10,907 6.13%
Vernal, UT (FHA|USDA|VA) 1 $205,000 $205,000 $5,849 7.13%
ERIE, PA (FHA|USDA|VA) 1 $205,000 $205,000 $12,962 6.75%
Arcadia, FL (FHA|USDA|VA) 1 $195,000 $195,000 $9,227 6.75%
McMinnville, TN (FHA|USDA|VA) 1 $185,000 $185,000 $8,765 6.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $175,000 $175,000 $8,139 6.63%
GAINESVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $8,206 6.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $165,000 $165,000 $4,171 7.13%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $155,000 $155,000 $4,401 6.63%
Clovis, NM (FHA|USDA|VA) 1 $155,000 $155,000 $4,441 7.13%
Stephenville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.50%
TOLEDO, OH (FHA|USDA|VA) 1 $145,000 $145,000 $4,187 7.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,665 6.88%
Port Lavaca, TX (FHA|USDA|VA) 1 $135,000 $135,000 $8,370 6.38%
Pella, IA (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $135,000 $135,000 $6,338 7.25%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $125,000 $125,000 $6,622 6.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,647 7.00%
DOTHAN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,368 6.63%
Opelousas, LA (FHA|USDA|VA) 1 $95,000 $95,000 $5,348 6.13%
DULUTH, MN-WI (FHA|USDA|VA) 1 $85,000 $85,000 $3,370 6.50%
Natchitoches, LA (FHA|USDA|VA) 1 $75,000 $75,000 $5,959 7.00%
Gardner Financial Services Ltd.'s top markets include San Antonio, Dallas, Lakeland, Prescott Valley, and Corpus Christi among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,558 $535,750,000 $343,870 $9,508 6.84%
    FHA 919 $274,025,000 $298,177 $14,207 6.51%
    VA 346 $141,830,000 $409,913 $13,580 6.33%
    USDA 16 $3,520,000 $220,000 $6,855 6.52%
    HELOC 5 $995,000 $199,000 n/a 7.50%

    For 2024, Gardner Financial Services Ltd.'s most frequently originated type of loan was Conventional, with 1,558 originations. Their 2nd most popular type was FHA, with 919 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,649 $889,975,000 $335,966 $11,621 6.66%
    Cash Out Refi 120 $34,630,000 $288,583 $10,362 6.94%
    Refi 70 $30,150,000 $430,714 $13,406 6.47%
    Home Improvement 4 $890,000 $222,500 $0 7.50%
    NA 1 $475,000 $475,000 $0 8.50%

    For 2024, Gardner Financial Services Ltd.'s most frequently cited loan purpose was Home Purchase, with 2,649 originations. The 2nd most popular reason was Cash Out Refi, with 120 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,761 $933,355,000 $338,050 $11,752 6.66%
    15 Year 35 $10,815,000 $309,000 $9,943 6.08%
    10 Year 27 $305,000 $11,296 $41 7.98%
    20 Year 12 $6,060,000 $505,000 $11,788 6.53%
    Other 6 $1,450,000 $241,667 $11,654 7.35%
    1 Year 3 $4,135,000 $1,378,333 $0 8.33%

    For 2024, Gardner Financial Services Ltd.'s most frequently cited loan duration was 30 Year, with 2,761 originations. The 2nd most popular length was 15 Year, with 35 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,288 $526,130,000 $408,486
    $1k-2k 500 $155,700,000 $311,400
    $4k-5k 291 $87,215,000 $299,708
    $3k-4k 266 $69,810,000 $262,444
    $2k-3k 220 $55,470,000 $252,136
    $<1k 138 $32,150,000 $232,971

    Gardner Financial Services Ltd.'s average total fees were $11,752, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,288 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,625 $543,235,000 $334,298
    7-8% 727 $262,015,000 $360,406
    5-6% 382 $124,520,000 $325,969
    Over 8% 59 $11,445,000 $193,983
    4-5% 48 $14,890,000 $310,208
    <2.5% 3 $15,000 $5,000

    During 2024, Gardner Financial Services Ltd.'s average interest rate for loans was 6.66%, while their most frequently originated rate bucket for loans was 6-7%, with 1,625 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,573 $459,555,000 $292,152 $11,278 6.65%
    $400k-600k 547 $258,955,000 $473,410 $14,621 6.63%
    $100k-200k 420 $67,820,000 $161,476 $7,175 6.70%
    $600k-1MM 181 $129,545,000 $715,718 $17,134 6.73%
    $100,000 or less 96 $4,300,000 $44,792 $1,930 6.94%
    $1MM+ 27 $35,945,000 $1,331,296 $22,222 6.92%

    2024 saw Gardner Financial Services Ltd. place emphasis on $200k-400k loans with 1,573 originations, totaling $459,555,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 820 $272,720,000 $332,585 $12,086 6.71%
    $150k-250k 603 $249,955,000 $414,519 $12,731 6.77%
    $75k-100k 531 $146,955,000 $276,751 $11,077 6.65%
    $50k-75k 496 $108,860,000 $219,476 $9,501 6.51%
    $250k+ 251 $152,525,000 $607,669 $15,209 6.79%
    $50k or less 135 $22,985,000 $170,259 $7,630 6.50%

    Gardner Financial Services Ltd. lent most frequently to those with incomes in the $100k-150k range, with 820 originations. The second most popular income band? $150k-250k, with 603 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 398 $136,660,000 $343,367 $14,908 6.43%
    30-36% 362 $122,500,000 $338,398 $11,497 6.68%
    20-30% 321 $102,515,000 $319,361 $9,515 6.76%
    49% 233 $83,625,000 $358,906 $11,876 6.73%
    44% 143 $49,625,000 $347,028 $11,490 6.72%
    48% 136 $46,140,000 $339,265 $11,430 6.73%
    47% 130 $38,850,000 $298,846 $11,639 6.67%
    46% 125 $42,805,000 $342,440 $12,246 6.66%
    42% 123 $41,695,000 $338,984 $11,931 6.69%
    43% 120 $41,200,000 $343,333 $11,941 6.59%
    41% 112 $38,910,000 $347,411 $10,937 6.82%
    45% 106 $33,890,000 $319,717 $10,948 6.73%
    40% 101 $31,325,000 $310,149 $10,459 6.76%
    <20% 91 $22,795,000 $250,495 $6,985 6.72%
    39% 87 $29,765,000 $342,126 $10,784 6.73%
    36% 83 $29,185,000 $351,627 $10,697 6.64%
    37% 80 $27,160,000 $339,500 $10,914 6.66%
    38% 79 $29,765,000 $376,772 $11,271 6.87%
    >60% 13 $6,965,000 $535,769 $14,385 6.33%

    Gardner Financial Services Ltd. lent most frequently to those with DTI ratios of 50-60%, with 398 originations. The next most common DTI ratio? 30-36%, with 362 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,010 $667,800,000 $332,239 $11,228 6.70%
    Not provided 585 $210,125,000 $359,188 $12,834 6.61%
    Black 154 $46,450,000 $301,623 $11,874 6.50%
    Asian 65 $23,535,000 $362,077 $12,720 6.63%
    American Indian 22 $6,290,000 $285,909 $11,512 6.58%
    Native Hawaiian or Islander 8 $1,920,000 $240,000 $7,534 6.89%

    Approval Rates

    Total approvals of all applications
    99.21%

    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 origination
    71.48%

    Gardner Financial Services Ltd. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,844 $956,120,000 $336,188

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,844 $956,120,000 $336,188

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 80 $16,220,000 $202,750 $6,893 6.51%
    40-60% 195 $58,485,000 $299,923 $8,534 6.62%
    60-80% 577 $209,285,000 $362,712 $10,948 6.84%
    80-100% 1,852 $640,700,000 $345,950 $12,353 6.63%
    Over 100% 78 $29,100,000 $373,077 $17,848 6.30%
    Under 20% 62 $2,330,000 $37,581 $954 7.15%