Lenders › Gardner Financial Services › Florida
Gardner Financial Services in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Gardner Financial Services's 2024 HMDA record for Florida covers 740 applications, 547 of them originated, worth $153m.
Its denial rate in the state was 2.1%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 1.0%.
The median rate spread on its Florida originations was 0.6 percentage points (state median 0.3).
Applications in the state were up 120% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Gardner Financial Services, all states | United States |
|---|---|---|---|---|
| Denial rate | 2.1% | 29.0% | 1.0% | 24.3% |
| Median rate spread, pp | 0.6 | 0.3 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 5.3% | 16.4% | 5.2% | 15.6% |
| Average originated loan | $280k | $359k | $336k | $329k |
| Home purchase share | 96.2% | 62.9% | 93.1% | 57.0% |
| FHA-insured share | 40.8% | 17.7% | 32.3% | 13.4% |
| VA-guaranteed share | 8.4% | 9.5% | 12.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 96% (526)Refinancing 0% (2)Cash-out refinancing 3% (19)
By type
Conventional 50% (274)FHA 41% (223)VA 8% (46)USDA 1% (4)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Polk County | 450 | 331 | $89m | 1.8% |
| Escambia County | 52 | 43 | $11m | 0.0% |
| Hillsborough County | 37 | 26 | $9.7m | 3.7% |
| Pasco County | 31 | 21 | $5.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Gardner Financial Services originate in Florida in 2024?
547 loans totalling $153m, from 740 applications reported for properties in Florida.
What is Gardner Financial Services's denial rate in Florida?
2.1% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 1.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Gardner Financial Services lend in most?
By originations: Polk County (331), Escambia County (43), Hillsborough County (26), Pasco County (21).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.