Gardner Financial Services in Oklahoma vs the state
0.5%Denial rate-17.45 pts vs state
0.6%Decision denial rate-22.32 pts vs state
80.0%Origination rate+23.90 pts vs state
6.63%Median rate0.00 pts vs state
0.45Rate spread (pts)+0.10 pts vs state
$1kMedian applicant income
172Loans originated
1Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 16 | 4.6% | 7.13% | #304 |
| 2024 | 213 | 175 | 0.9% | 6.88% | #110 |
| 2025 | 215 | 172 | 0.5% | 6.63% | #121 |
What Gardner Financial Services lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 72 | 60 | 0 | 0.0% |
| Canadian County | 46 | 39 | 0 | 0.0% |
| Cleveland County | 39 | 25 | 1 | 2.6% |
| Grady County | 16 | 15 | 0 | 0.0% |
| McClain County | 11 | 10 | 0 | 0.0% |
| Logan County | 11 | 9 | 0 | 0.0% |
| Lincoln County | 7 | 5 | 0 | 0.0% |
| Pottawatomie County | 4 | 2 | 0 | 0.0% |
| Garvin County | 2 | 2 | 0 | 0.0% |
| Payne County | 2 | 2 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 215 applications in 2025, of which 172 were originated and 1 denied.
0.5% of all applications, or 0.6% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Gardner Financial Services originated in Oklahoma 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 Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology