Lender in Texas · HMDA 2025
Gardner Financial Services, Ltd. mortgages in Texas
Gardner Financial Services, Ltd.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Gardner Financial Services, Ltd. originated 1,473 owner-occupied single-family loans in Texas from 1,545 completed applications.
Its median conventional purchase loan costs were $8,650 versus $6,860 for all Texas lenders.
Loans in TX
1,473
of 1,545 applications
Denial rate
1.9%
Purchase · TX 10.2%
Rate spread
+0.20 pts
Conv. · TX +0.09 pts
Loan amount
$315,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,401 | 1,338 | 1.9% | — | +0.20 pts | $8,650 | $315,000 |
| Refinance | 103 | 98 | 1.9% | — | +0.12 pts | $9,270 | $395,000 |
| Cash-out refinance | 41 | 37 | 2.4% | — | +0.63 pts | $9,100 | $285,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Gardner Financial Services, Ltd. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Dimmit County | 4 | 2 | 8.0% |
| Kendall County | 6 | 31 | 3.1% |
| Bandera County | 8 | 7 | 2.9% |
| Refugio County | 8 | 2 | 3.9% |
| Nueces County | 10 | 85 | 2.1% |
| Kerr County | 11 | 15 | 3.0% |
| Atascosa County | 11 | 11 | 2.3% |
| Bexar County | 12 | 528 | 2.0% |
| Kimble County | 13 | 1 | 4.2% |
| Kinney County | 13 | 1 | 4.3% |
| Guadalupe County | 16 | 64 | 1.5% |
| Comal County | 16 | 53 | 1.4% |
| Wilson County | 16 | 12 | 1.5% |
| Gillespie County | 17 | 4 | 1.2% |
| Val Verde County | 18 | 4 | 1.0% |
| Brewster County | 18 | 1 | 1.7% |
| San Patricio County | 19 | 11 | 1.2% |
| Aransas County | 19 | 4 | 1.1% |
| Medina County | 21 | 13 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology