Gardner Financial Services in Utah vs the state
0.8%Denial rate-15.13 pts vs state
1.0%Decision denial rate-18.23 pts vs state
84.6%Origination rate+21.34 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.05 pts vs state
$1kMedian applicant income
203Loans originated
2Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 7 | 0.0% | 7.13% | #283 |
| 2024 | 183 | 138 | 0.0% | 7.00% | #96 |
| 2025 | 240 | 203 | 0.8% | 6.63% | #91 |
What Gardner Financial Services lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Gardner Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 101 | 84 | 2 | 2.0% |
| Utah County | 39 | 31 | 0 | 0.0% |
| Davis County | 25 | 22 | 0 | 0.0% |
| Weber County | 22 | 22 | 0 | 0.0% |
| Tooele County | 10 | 6 | 0 | 0.0% |
| Summit County | 9 | 6 | 0 | 0.0% |
| Wasatch County | 8 | 8 | 0 | 0.0% |
| Washington County | 8 | 8 | 0 | 0.0% |
| Box Elder County | 6 | 6 | 0 | 0.0% |
| Cache County | 4 | 4 | 0 | 0.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 240 applications in 2025, of which 203 were originated and 2 denied.
0.8% of all applications, or 1.0% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Gardner Financial Services originated in Utah 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology