Gardner Financial Services in Texas vs the state
1.6%Denial rate-17.84 pts vs state
2.0%Decision denial rate-22.92 pts vs state
76.3%Origination rate+21.45 pts vs state
6.38%Median rate-0.13 pts vs state
0.24Rate spread (pts)+0.05 pts vs state
$1kMedian applicant income
1,580Loans originated
33Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,375 | 1,761 | 0.9% | 6.63% | #77 |
| 2024 | 1,993 | 1,513 | 0.6% | 6.63% | #93 |
| 2025 | 2,070 | 1,580 | 1.6% | 6.38% | #93 |
What Gardner Financial Services lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 717 | 548 | 8 | 1.1% |
| Tarrant County | 154 | 128 | 1 | 0.6% |
| Nueces County | 129 | 91 | 3 | 2.3% |
| Dallas County | 116 | 88 | 0 | 0.0% |
| Harris County | 101 | 66 | 3 | 3.0% |
| Guadalupe County | 85 | 66 | 1 | 1.2% |
| Comal County | 82 | 62 | 4 | 4.9% |
| Denton County | 75 | 61 | 3 | 4.0% |
| Collin County | 55 | 44 | 0 | 0.0% |
| Kendall County | 41 | 34 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 2,070 applications in 2025, of which 1,580 were originated and 33 denied.
1.6% of all applications, or 2.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Gardner Financial Services originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Gardner Financial Services's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology