Gardner Financial Services in North Carolina vs the state
0.0%Denial rate-18.06 pts vs state
0.0%Decision denial rate-22.82 pts vs state
88.9%Origination rate+31.08 pts vs state
6.63%Median rate+0.13 pts vs state
0.43Rate spread (pts)+0.34 pts vs state
—Median applicant income
8Loans originated
0Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 0.0% | 6.81% | #623 |
| 2024 | 8 | 5 | 0.0% | 6.88% | #657 |
| 2025 | 9 | 8 | 0.0% | 6.63% | #650 |
What Gardner Financial Services lends in North Carolina
By loan purpose
By loan type
Where in North Carolina
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 3 | 3 | 0 | 0.0% |
| Forsyth County | 2 | 2 | 0 | 0.0% |
| Wilson County | 1 | 1 | 0 | 0.0% |
| Dare County | 1 | 0 | 0 | 0.0% |
| Alamance County | 1 | 1 | 0 | 0.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 9 applications in 2025, of which 8 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Gardner Financial Services originated in North Carolina 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 North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology