Gardner Financial Services
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,349 loans · 0.51% above market
Strong
Top 40% of lenders
4/5
FHA
888 loans · 0.72% above market
Exceptional
Top 20% of lenders
5/5
VA
340 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
Jumbo
37 loans · 0.48% above market
Strong
Top 40% of lenders
4/5
USDA
16 loans · 0.50% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
2,471 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
Refinance
159 loans · 0.45% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 27 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,349 | 51.3% | +0.511%Above | $4,315Fees | ||||
FHA Loans | 888 | 33.8% | +0.725%Above | $4,660Fees | ||||
VA Loans | 340 | 12.9% | -0.128%Below | $5,626Fees | ||||
Jumbo Loans | — | 37 | 1.4% | +0.481%Above | $4,609Fees | |||
USDA Loans | — | — | 16 | 0.6% | +0.502%Above | $1,630Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume1,349
Mix51.3%
Spread
+0.511%Above
Fees
$4,315Fees
FHA Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughExceptional
Volume888
Mix33.8%
Spread
+0.725%Above
Fees
$4,660Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughExceptional
Volume340
Mix12.9%
Spread
-0.128%Below
Fees
$5,626Fees
Jumbo Loans
OverallSound
ProductStrong
Pricing—
Pull ThroughSound
Volume37
Mix1.4%
Spread
+0.481%Above
Fees
$4,609Fees
USDA Loans
OverallSound
ProductSound
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 | 2,471 | 94.0% | +0.540%Above | $4,510Fees | ||||
Refinance | 159 | 6.0% | +0.448%Above | $4,683Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume2,471
Mix94.0%
Spread
+0.540%Above
Fees
$4,510Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
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
26
markets with activity
States Served
30
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
30Full-year 2024 · HMDALoans originated
< 2020–100100–200200+None
Northeast2
NJPA
Midwest9
ILINKSMIMNMONEOHSD
South11
ALARFLGAKYLANCOKSCTNTX
West8
AZCACONMNVORUTWA
Top Metro Areas by Place Specialization Score
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 157Mix 5.97% of portfolio
73/100
Strong
Showing 10 of 26 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.
Looking for a different lender?
Are you the owner of Gardner Financial Services?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.