Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | Gardner Financial Services | Nationstar Mortgage |
|---|---|---|
| Total Applications | 3,796 | 110,111 ▲ |
| Loans Originated | 2,844 | 41,693 |
| Approval Rate (higher is better) | 74.9% ✓ | 37.9% |
| Denial Rate (lower is better) | 0.8% ✓ | 9.2% |
| Avg Loan Amount | $340,287 | $252,963 |
| Avg Interest Rate (lower is better) | 6.671% ✓ | 7.682% |
| Avg Applicant Income | $40,000 | $38,000 |
| Applications Denied | 30 | 10,080 |
| Applications Withdrawn | 794 | 10,914 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Gardner Financial Services | Nationstar Mortgage |
|---|---|---|
| Conventional | 2,139 (56.3%) | 78,701 (71.5%) |
| FHA | 1,204 (31.7%) | 23,513 (21.4%) |
| VA | 435 (11.5%) | 7,570 (6.9%) |
| USDA | 18 (0.5%) | 327 (0.3%) |
Loan Purpose Breakdown
| Purpose | Gardner Financial Services | Nationstar Mortgage |
|---|---|---|
| Home Purchase | 3,497 | 46,593 |
| Cash-out Refinancing | 178 | 27,608 |
| Refinancing | 116 | 9,190 |
| Home Improvement | 4 | 5,811 |
| Other | — | 20,909 |
Summary
- 3,796 total applications · 2,844 originated
- Approval rate: 74.9%
- Denial rate: 0.8%
- Avg loan: $340,287
- Avg rate: 6.671%
- HQ: san antonio, TX
- 110,111 total applications · 41,693 originated
- Approval rate: 37.9%
- Denial rate: 9.2%
- Avg loan: $252,963
- Avg rate: 7.682%
- HQ: Coppell, TX
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.