Lender in Arizona · HMDA 2025
Gardner Financial Services, Ltd. mortgages in Arizona
Gardner Financial Services, Ltd.'s 2025 home-purchase and refinance lending in Arizona, compared with all lenders in the state.
Gardner Financial Services, Ltd. originated 210 owner-occupied single-family loans in Arizona from 224 completed applications.
Its median conventional purchase loan costs were $7,130 versus $6,470 for all Arizona lenders.
Loans in AZ
210
of 224 applications
Denial rate
1.6%
Purchase · AZ 8.2%
Rate spread
+0.35 pts
Conv. · AZ +0.11 pts
Loan amount
$345,000
Purchase · AZ $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 193 | 182 | 1.6% | — | +0.35 pts | $7,130 | $345,000 |
| Refinance | 12 | 10 | — | — | — | — | — |
| Cash-out refinance | 19 | 18 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Arizona counties where Gardner Financial Services, Ltd. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Yavapai County | 4 | 121 | 3.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology