Gardner Financial Services in Florida vs the state
4.7%Denial rate-16.34 pts vs state
5.5%Decision denial rate-21.71 pts vs state
74.8%Origination rate+22.11 pts vs state
6.63%Median rate0.00 pts vs state
0.50Rate spread (pts)+0.23 pts vs state
$2kMedian applicant income
190Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 336 | 230 | 3.0% | 7.25% | #294 |
| 2024 | 740 | 547 | 1.6% | 6.75% | #186 |
| 2025 | 254 | 190 | 4.7% | 6.63% | #335 |
What Gardner Financial Services lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Polk County | 80 | 65 | 3 | 3.8% |
| Escambia County | 67 | 46 | 2 | 3.0% |
| Santa Rosa County | 30 | 24 | 0 | 0.0% |
| Duval County | 20 | 12 | 5 | 25.0% |
| Hillsborough County | 8 | 6 | 0 | 0.0% |
| Pasco County | 5 | 5 | 0 | 0.0% |
| Seminole County | 4 | 1 | 1 | 25.0% |
| Orange County | 4 | 4 | 0 | 0.0% |
| Clay County | 4 | 3 | 0 | 0.0% |
| Manatee County | 3 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 254 applications in 2025, of which 190 were originated and 12 denied.
4.7% of all applications, or 5.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Gardner Financial Services originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Gardner Financial Services's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology