Applications / Mortgage Analytics / Lenders / Texas / Gardner Financial Services
San Antonio, TX · Non-bank subsidiary of a bank · CFPB · 2,666 loans in 2025
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2,666
loans originated, 2025
3,467
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gardner Financial Services is a home-purchase lender that leans on government-backed loans, and it ranks 12 of 669 lenders in its home market of San Antonio.
Nine in ten of its loans (89.7%) financed a home purchase in 2025; refinances made up 10.2%. It relies on government programs. Loans insured by the Federal Housing Administration (FHA) were 29.0% of its total, about twice the 15.4% at similar lenders (bank-owned non-bank lenders making between a quarter and four times as many loans). Loans guaranteed by the Department of Veterans Affairs (VA) were 12.0%, against 7.4%.
It made 38.4% of its loans in majority-minority neighborhoods, about double the 18.5% at similar lenders and higher than at nearly nine in ten of them. The share has risen from 27.2% in 2020.
It turned down 2.5% of first-lien home-purchase applications on owner-occupied homes, against 4.4% at similar lenders. For refinances the gap was wider, 3.9% against 9.5%. Both rates were lower than at about four in five of its peers.
In San Antonio it holds 1.7% of the market, up 0.1 points. It lends in 31 states and ranks 6 of 380 lenders in Prescott Valley, Arizona. Its loans fell 6% in 2025, to 2,666, while similar lenders held steady and the whole market grew 10%. It filed no report for 2021, a gap in the record rather than a year without lending.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Gardner Financial Services took 3,467 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.7% · Refinance 10.2% · Home improvement 0.0%
Conventional 58.6% · FHA 29.0% · VA 12.0% · USDA (RHS or FSA) 0.4% · of 2,666 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,580 | 59.3% |
| Arizona | 284 | 10.7% |
| Utah | 203 | 7.6% |
| Florida | 190 | 7.1% |
| Oklahoma | 172 | 6.5% |
| Georgia | 69 | 2.6% |
| Kansas | 42 | 1.6% |
| South Carolina | 39 | 1.5% |
| Tennessee | 17 | 0.6% |
| Colorado | 10 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 762 |
| Dallas-Plano-Irving | 228 |
| Prescott Valley-Prescott | 177 |
| Fort Worth-Arlington-Grapevine | 165 |
| Oklahoma City | 163 |
| Houston-Pasadena-The Woodlands | 112 |
| Corpus Christi | 110 |
| Salt Lake City-Murray | 90 |
| Austin-Round Rock-San Marcos | 80 |
| Phoenix-Mesa-Chandler | 76 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M8WGW2D17CZD19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3845284 | 2010–2012 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4429908 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1202749403 | |
| Respondent ID (the HMDA filer code before 2018) | 7202749403 | 2006–2012 |
Established 21 April 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Gardner Financial Services's data.
Gardner Financial Services's data
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