Lenders › Gardner Financial Services › Oklahoma
Gardner Financial Services in Oklahoma
HMDA record for properties in Oklahoma, calendar year 2024. National record · Oklahoma 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 Oklahoma covers 213 applications, 175 of them originated, worth $40m.
Its denial rate in the state was 1.1%, below the Oklahoma rate of 23.4% across all lenders and compared with the lender's national rate of 1.0%.
The median rate spread on its Oklahoma originations was 0.7 percentage points (state median 0.5).
Applications in the state were up 868% on 2023.
Compared with the state and the lender's national record
| Measure | In Oklahoma | Oklahoma, all lenders | Gardner Financial Services, all states | United States |
|---|---|---|---|---|
| Denial rate | 1.1% | 23.4% | 1.0% | 24.3% |
| Median rate spread, pp | 0.7 | 0.5 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.6% | 17.5% | 5.2% | 15.6% |
| Average originated loan | $229k | $223k | $336k | $329k |
| Home purchase share | 97.7% | 63.6% | 93.1% | 57.0% |
| FHA-insured share | 39.4% | 17.1% | 32.3% | 13.4% |
| VA-guaranteed share | 9.7% | 11.9% | 12.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOklahoma, all lenders
Loan purpose and loan type in Oklahoma
By purpose
Home purchase 98% (171)Refinancing 2% (3)Cash-out refinancing 1% (1)
By type
Conventional 47% (82)FHA 39% (69)VA 10% (17)USDA 4% (7)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Oklahoma
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 82 | 64 | $14m | 0.0% |
| Canadian County | 43 | 38 | $8.9m | 0.0% |
| Cleveland County | 27 | 21 | $5.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Gardner Financial Services originate in Oklahoma in 2024?
175 loans totalling $40m, from 213 applications reported for properties in Oklahoma.
What is Gardner Financial Services's denial rate in Oklahoma?
1.1% of decided applications in Oklahoma were denied, against 23.4% 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 Oklahoma counties does Gardner Financial Services lend in most?
By originations: Oklahoma County (64), Canadian County (38), Cleveland 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 Oklahoma. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.