GARDNER FINANCIAL SERVICES, LTD. closing costs and rates (2024)
In 2024, GARDNER FINANCIAL SERVICES, LTD. originated 2,474 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $10,676. That ranks #180 nationally by origination volume. For total closing costs among lenders with 500+ originations, GARDNER FINANCIAL SERVICES, LTD. ranks #575. That is $3,935 above the national median of $6,741. GARDNER FINANCIAL SERVICES, LTD. is most active in Texas with 1,313 originations there.
Purchase Originations
2,474
Ranked #180 nationally
Median Total Costs
$10,676
+58.4% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$4,711
Median Lender Credits
$957
Cost Rank (500+ vol.)
#575
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,230 | 6.750% | $8,186 | $4,676 |
| fha | 891 | 6.625% | $13,416 | $4,728 |
| va | 337 | 6.250% | $11,875 | $4,964 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,313 | 6.625% | $11,949 | #51 |
| Florida | 494 | 6.750% | $9,570 | #92 |
| Arizona | 213 | 6.750% | $10,799 | #66 |
| Oklahoma | 164 | 6.812% | $7,181 | #53 |
| Utah | 111 | 6.875% | $7,598 | #54 |
| Tennessee | 81 | 6.625% | $11,000 | #139 |
| South Carolina | 32 | 6.625% | $12,871 | — |
| Georgia | 17 | 6.875% | $9,982 | — |
| New Mexico | 10 | 6.625% | $12,955 | — |
| Colorado | 7 | 6.625% | $18,630 | — |
| North Carolina | 4 | 6.750% | $11,217 | — |
| Nevada | 4 | 6.750% | $9,147 | — |
| Ohio | 4 | 6.812% | $8,326 | — |
| Alabama | 2 | 7.125% | $5,916 | — |
| Arkansas | 2 | 6.188% | $14,313 | — |
| California | 2 | 6.438% | $22,616 | — |
| Louisiana | 2 | 6.125% | $5,267 | — |
| Washington | 2 | 6.750% | $8,962 | — |
| Illinois | 1 | 6.125% | $6,052 | — |
| Indiana | 1 | 7.125% | $8,628 | — |
| Kansas | 1 | 6.625% | $17,961 | — |
| Kentucky | 1 | 7.125% | $5,449 | — |
| Michigan | 1 | 6.625% | $8,139 | — |
| Minnesota | 1 | 6.500% | $3,370 | — |
| Nebraska | 1 | 6.625% | $14,084 | — |
| Oregon | 1 | 5.625% | $8,723 | — |
| Pennsylvania | 1 | 6.750% | $12,962 | — |
| South Dakota | 1 | 7.000% | $8,794 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,566 | 6.875% | — | 61 | −$4,110 | |
| 2 | $7,224 | 7.000% | — | 40 | −$3,452 | |
| 3 | $8,296 | 6.625% | — | 35 | −$2,380 | |
| 4 | $8,979 | 7.000% | — | 37 | −$1,697 | |
| 5 | $9,510 | 6.750% | — | 299 | −$1,166 | |
| 6 | $10,075 | 6.625% | — | 115 | −$601 | |
| 7 | $10,122 | 6.938% | — | 60 | −$554 | |
| 8 | $10,173 | 6.625% | — | 26 | −$503 | |
| 9 | $10,292 | 6.625% | — | 135 | −$384 | |
| 10 | $10,697 | 6.625% | — | 103 | +$21 | |
| 11 | $11,862 | 6.938% | — | 22 | +$1,186 | |
| 12 | $12,153 | 6.250% | — | 65 | +$1,477 | |
| 13 | $12,346 | 6.500% | — | 415 | +$1,670 | |
| 14 | $13,126 | 6.250% | — | 31 | +$2,450 | |
| 15 | $13,192 | 6.625% | — | 26 | +$2,516 | |
| 16 | $13,835 | 6.625% | — | 67 | +$3,159 | |
| 17 | $14,392 | 6.375% | — | 65 | +$3,716 | |
| 18 | $14,740 | 7.125% | — | 47 | +$4,064 | |
| 19 | $16,258 | 6.375% | — | 43 | +$5,582 | |
| 20 | $16,726 | 6.625% | — | 23 | +$6,050 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.