Gardner Financial Services in Tennessee vs the state
0.0%Denial rate-17.14 pts vs state
0.0%Decision denial rate-21.68 pts vs state
70.8%Origination rate+12.75 pts vs state
6.25%Median rate-0.37 pts vs state
0.34Rate spread (pts)+0.11 pts vs state
—Median applicant income
17Loans originated
0Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 22 | 0.0% | 7.56% | #449 |
| 2024 | 133 | 97 | 0.8% | 6.63% | #263 |
| 2025 | 24 | 17 | 0.0% | 6.25% | #508 |
What Gardner Financial Services lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 10 | 7 | 0 | 0.0% |
| Rutherford County | 4 | 4 | 0 | 0.0% |
| Robertson County | 2 | 0 | 0 | 0.0% |
| Wilson County | 2 | 1 | 0 | 0.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Obion County | 1 | 1 | 0 | 0.0% |
| Sumner County | 1 | 1 | 0 | 0.0% |
| Gibson County | 1 | 0 | 0 | 0.0% |
| Williamson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 24 applications in 2025, of which 17 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Gardner Financial Services originated in Tennessee in 2025 was 6.25%, against a statewide median of 6.62%.
About this data. Figures are Gardner Financial Services's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology