I see some applicants applied successfully to some "low" ranking Ph.D. finance programs in the U.S. Please be noted that the definition of "low ranking" is vague. It might be low to someone, but high to the others. You can search on
Finance research rankings | W. P. Carey School of Business
choose Finance ranking, then click range "All". You might be able to find some schools that fit your profile. Anyway, I don't know why you got 32 GRE? Do you mean 320?