Gardner Financial Services in Georgia vs the state
12.5%Denial rate-6.72 pts vs state
14.8%Decision denial rate-10.26 pts vs state
71.9%Origination rate+17.79 pts vs state
6.88%Median rate+0.25 pts vs state
0.80Rate spread (pts)+0.53 pts vs state
$1kMedian applicant income
69Loans originated
12Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 9 | 7.7% | 6.88% | #621 |
| 2024 | 27 | 19 | 0.0% | 6.88% | #525 |
| 2025 | 96 | 69 | 12.5% | 6.88% | #344 |
What Gardner Financial Services lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gwinnett County | 32 | 25 | 3 | 9.4% |
| Clayton County | 8 | 7 | 0 | 0.0% |
| Cobb County | 6 | 3 | 2 | 33.3% |
| DeKalb County | 5 | 5 | 0 | 0.0% |
| Fulton County | 4 | 2 | 2 | 50.0% |
| Douglas County | 4 | 2 | 2 | 50.0% |
| Hall County | 4 | 3 | 0 | 0.0% |
| Henry County | 3 | 3 | 0 | 0.0% |
| Jackson County | 3 | 3 | 0 | 0.0% |
| Chatham County | 3 | 2 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 96 applications in 2025, of which 69 were originated and 12 denied.
12.5% of all applications, or 14.8% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Gardner Financial Services originated in Georgia in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Gardner Financial Services's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology