Gardner Financial Services, Ltd.
2,666 mortgages originated in 2025 across 6 states, and what they cost borrowers.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,666
- Median rate
- 6.500%
- Median lender fees
- $9,875
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $305,000
- Above the going rate (spread over APOR)
- 0.337
- Paid discount points
- 68.3%
- Received lender credits
- 11.2%
- Purchases / refinances
- 89.7% / 10.2%
- Conventional / FHA / VA
- 58.6% / 29% / 12%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 95.1% of loans here — see methodology.
Where Gardner Financial Services, Ltd. lent
States with at least 50 loans in 2025, ranked by volume.