Gardner Financial Services in Kansas vs the state
10.0%Denial rate-5.03 pts vs state
10.6%Decision denial rate-7.64 pts vs state
84.0%Origination rate+20.18 pts vs state
6.63%Median rate0.00 pts vs state
0.66Rate spread (pts)+0.36 pts vs state
—Median applicant income
42Loans originated
5Denied
What Gardner Financial Services lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Finney County | 42 | 37 | 4 | 9.5% |
| Ford County | 4 | 3 | 0 | 0.0% |
| Sedgwick County | 2 | 1 | 0 | 0.0% |
| Kearny County | 1 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 0 | 1 | 100.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 50 applications in 2025, of which 42 were originated and 5 denied.
10.0% of all applications, or 10.6% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Gardner Financial Services originated in Kansas 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 Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology