Lender profile · HMDA 2023–2025
Gardner Financial Services, Ltd. mortgage approval rates & lending data
Gardner Financial Services, Ltd. decided 7,000 mortgage applications and funded 6,764 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 5,991 / 6,090 | 98% | $305K | 5,897 |
| Cash-out refinance | 97% | 205 / 211 | 98% | $265K | 201 |
| Refinance | 97% | 240 / 247 | 97% | $375K | 232 |
| Investment property purchase | 98% | 363 / 370 | 98% | $205K | 357 |
| Investment cash-out refinance | 96% | 43 / 45 | 100% | $195K | 43 |
| Investment refinance | 96% | 26 / 27 | 92% | $225K | 24 |
Gardner Financial Services, Ltd. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 99% | $305K | 4,388 | 4,276 |
| Florida | 97% | $265K | 1,002 | 949 |
| Arizona | 98% | $335K | 617 | 587 |
| Utah | 99% | $445K | 298 | 292 |
| Oklahoma | 99% | $195K | 272 | 262 |
| Tennessee | 99% | $325K | 106 | 105 |
| Georgia | 86% | $325K | 88 | 76 |
| South Carolina | 95% | $325K | 85 | 78 |
| New Mexico | 100% | $415K | 23 | 22 |
| Colorado | 100% | $595K | 18 | 18 |
| North Carolina | 100% | $305K | 16 | 16 |
| California | 100% | $525K | 9 | 7 |
| Missouri | 100% | $65K | 9 | 9 |
| Alabama | 100% | $325K | 8 | 7 |
| Ohio | 100% | $305K | 8 | 8 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.