Gardner Financial Services in Arizona vs the state
2.2%Denial rate-14.07 pts vs state
2.6%Decision denial rate-17.79 pts vs state
76.6%Origination rate+17.07 pts vs state
6.63%Median rate+0.13 pts vs state
0.46Rate spread (pts)+0.24 pts vs state
$1kMedian applicant income
284Loans originated
8Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 58 | 2.2% | 7.38% | #240 |
| 2024 | 338 | 248 | 1.2% | 6.75% | #124 |
| 2025 | 371 | 284 | 2.2% | 6.63% | #138 |
What Gardner Financial Services lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yavapai County | 238 | 177 | 6 | 2.5% |
| Maricopa County | 75 | 63 | 2 | 2.7% |
| Mohave County | 31 | 21 | 0 | 0.0% |
| Pinal County | 15 | 13 | 0 | 0.0% |
| Pima County | 4 | 4 | 0 | 0.0% |
| Navajo County | 3 | 3 | 0 | 0.0% |
| Coconino County | 2 | 1 | 0 | 0.0% |
| Apache County | 2 | 1 | 0 | 0.0% |
| Yuma County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 371 applications in 2025, of which 284 were originated and 8 denied.
2.2% of all applications, or 2.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Gardner Financial Services originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Gardner Financial Services's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology