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 small mortgage company specializing in Home Purchase and Refi 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, Austin, Dallas, Nashville, and Houston among others. We have data for 127 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 an average 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.
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Originations
7,327Origination Dollar Volume (All Markets)
$2,097,325,000Awards
GARDNER FINANCIAL SERVICES LTD. - 2020
GARDNER FINANCIAL SERVICES LTD. is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 2,381 | $656,645,000 | $275,785 | $7,938 | 3.20% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1,225 | $399,925,000 | $326,469 | $7,116 | 3.11% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1,019 | $294,995,000 | $289,495 | $6,793 | 3.21% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 935 | $265,035,000 | $283,460 | $7,780 | 3.22% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 397 | $109,445,000 | $275,680 | $6,142 | 3.30% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 244 | $89,330,000 | $366,107 | $10,073 | 3.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 152 | $40,050,000 | $263,487 | $6,587 | 3.18% |
| Outside of Metro Areas | 119 | $31,175,000 | $261,975 | $6,799 | 3.21% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 101 | $24,405,000 | $241,634 | $6,829 | 3.30% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 104 | $24,260,000 | $233,269 | $7,482 | 2.83% |
| Lawrenceburg, TN (FHA|USDA|VA) | 93 | $16,325,000 | $175,538 | $5,923 | 3.29% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 55 | $13,445,000 | $244,455 | $6,782 | 2.93% |
| EL PASO, TX (FHA|USDA|VA) | 44 | $9,510,000 | $216,136 | $5,578 | 3.15% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 39 | $9,115,000 | $233,718 | $7,386 | 3.16% |
| Lewisburg, TN (FHA|USDA|VA) | 39 | $9,065,000 | $232,436 | $7,853 | 3.57% |
| Glenwood Springs, CO (FHA|USDA|VA) | 22 | $5,830,000 | $265,000 | $7,729 | 3.23% |
| SAN ANGELO, TX (FHA|USDA|VA) | 24 | $5,700,000 | $237,500 | $6,698 | 3.17% |
| GREELEY, CO (FHA|USDA|VA) | 15 | $5,345,000 | $356,333 | $10,564 | 3.48% |
| Granbury, TX (FHA|USDA|VA) | 18 | $5,290,000 | $293,889 | $7,011 | 3.49% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 5 | $4,295,000 | $859,000 | $16,856 | 3.33% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 20 | $3,850,000 | $192,500 | $6,431 | 3.41% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 10 | $3,370,000 | $337,000 | $5,379 | 3.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 14 | $3,240,000 | $231,429 | $6,786 | 3.32% |
| Kerrville, TX (FHA|USDA|VA) | 9 | $2,535,000 | $281,667 | $6,075 | 3.24% |
| Shelbyville, TN (FHA|USDA|VA) | 12 | $2,370,000 | $197,500 | $5,725 | 3.39% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $2,370,000 | $296,250 | $7,509 | 2.89% |
| Rockport, TX (FHA|USDA|VA) | 10 | $2,220,000 | $222,000 | $7,354 | 3.11% |
| Athens, TX (FHA|USDA|VA) | 4 | $2,120,000 | $530,000 | $11,045 | 2.91% |
| BOULDER, CO (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $7,090 | 2.92% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 9 | $1,975,000 | $219,444 | $7,615 | 3.29% |
| WACO, TX (FHA|USDA|VA) | 8 | $1,950,000 | $243,750 | $6,916 | 3.14% |
| MIDLAND, TX (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $6,938 | 3.77% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $5,910 | 3.31% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $16,424 | 2.50% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $20,898 | 3.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $7,360 | 3.16% |
| KNOXVILLE, TN (FHA|USDA|VA) | 6 | $1,350,000 | $225,000 | $8,336 | 3.06% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $6,165 | 3.40% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,235,000 | $411,667 | $6,264 | 3.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 3 | $1,125,000 | $375,000 | $8,149 | 3.38% |
| LUBBOCK, TX (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $7,108 | 3.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $19,531 | 4.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $6,145 | 3.10% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $6,992 | 3.31% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $5,353 | 3.28% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $3,698 | 3.94% |
| AMARILLO, TX (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $5,476 | 3.13% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,492 | 2.92% |
| TYLER, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $4,263 | 3.25% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $5,839 | 3.34% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $6,807 | 3.19% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $7,489 | 3.50% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $4,532 | 3.25% |
| McMinnville, TN (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $7,234 | 3.25% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $9,066 | 3.56% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $8,593 | 2.75% |
| Cookeville, TN (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $5,350 | 3.21% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $5,636 | 3.25% |
| Montrose, CO (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $2,988 | 3.33% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,427 | 2.88% |
| Stephenville, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,482 | 3.33% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $7,003 | 3.25% |
| Brenham, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,067 | 3.19% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $4,912 | 2.96% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $6,848 | 2.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,876 | 3.58% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $9,417 | 3.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $4,308 | 2.88% |
| Taos, NM (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $9,884 | 2.63% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,684 | 3.50% |
| Port Lavaca, TX (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $7,698 | 3.06% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,707 | 3.25% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $3,503 | 3.56% |
| Ruidoso, NM (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,860 | 3.31% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $14,069 | 3.00% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $2,397 | 3.25% |
| Craig, CO (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,201 | 4.19% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,559 | 3.50% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $8,418 | 2.63% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,177 | 3.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $7,782 | 2.94% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,333 | 3.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,161 | 3.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,820 | 3.38% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,249 | 2.63% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,349 | 2.88% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,669 | 3.00% |
| Starkville, MS (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,580 | 2.63% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,637 | 2.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,453 | 2.88% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $18,840 | 2.63% |
| Greeneville, TN (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $5,954 | 3.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,190 | 3.13% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,204 | 2.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,592 | 2.75% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,264 | 3.25% |
| Danville, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,824 | 2.88% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,574 | 2.50% |
| Central City, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,610 | 3.63% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,312 | 3.19% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,810 | 3.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,145 | 3.38% |
| Roswell, NM (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,434 | 3.88% |
| Alice, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,493 | 3.38% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,948 | 2.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,016 | 3.00% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,557 | 3.00% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $5,372 | 2.81% |
| Portales, NM (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,473 | 3.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,748 | 3.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,804 | 3.63% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,828 | 3.25% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,444 | 3.75% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,766 | 3.13% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,110 | 2.88% |
| Riverton, WY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,192 | 3.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,024 | 3.63% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,822 | 3.50% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,588 | 3.63% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,378 | 3.38% |
| Martin, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,653 | 3.25% |
| Athens, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,444 | 3.13% |
| McAlester, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,056 | 3.63% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,810 | 3.38% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,675 | 4.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $4,278 | 4.13% |
| Indiana, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,708 | 3.25% |
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Product Mix
For 2020, Gardner Financial Services Ltd.'s most frequently originated type of loan was Conventional, with 5,331 originations. Their 2nd most popular type was FHA, with 1,193 originations.
Loan Reason
For 2020, Gardner Financial Services Ltd.'s most frequently cited loan purpose was Home Purchase, with 4,632 originations. The 2nd most popular reason was Refi, with 2,220 originations.
Loan Duration/Length
For 2020, Gardner Financial Services Ltd.'s most frequently cited loan duration was 30 Year, with 6,540 originations. The 2nd most popular length was 15 Year, with 556 originations.
Origination Fees/Closing Costs
Gardner Financial Services Ltd.'s average total fees were $7,628, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,578 originations.
Interest Rates
During 2020, Gardner Financial Services Ltd.'s average interest rate for loans was 3.22%, while their most frequently originated rate bucket for loans was 3-4%, with 3,675 originations.
Loan Sizing
2020 saw Gardner Financial Services Ltd. place emphasis on $200k-400k loans with 4,245 originations, totaling $1,196,725,000 in origination value.
Applicant Income
Gardner Financial Services Ltd. lent most frequently to those with incomes in the $100k-150k range, with 1,851 originations. The second most popular income band? $50k-75k, with 1,518 originations.
Applicant Debt to Income Ratio
Gardner Financial Services Ltd. lent most frequently to those with DTI ratios of 20-30%, with 1,589 originations. The next most common DTI ratio? 30-36%, with 1,385 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.96%
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 origination75.17%
Gardner Financial Services Ltd. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 7,327 | $2,097,325,000 | $286,246 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 2 | $270,000 | $135,000 |
| Single Family (1-4 Units):Site-Built | 7,325 | $2,097,055,000 | $286,287 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GARDEN STATE HOME LOANS INCORPORATED | Conventional home mortgage | Closing on a mortgage | 1 | 50.0% |
| GARDEN STATE HOME LOANS INCORPORATED | FHA mortgage | Closing on a mortgage | 1 | 50.0% |