Triad Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
48th10.0% deniedProcesswithdrawn + incomplete share, weight 15%
37th14.5%Trend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 104 | 64 | 8.7% | 11.4% | 8.00% | $15M |
| 2025 | 152 | 115 | 8.6% | 10.0% | — | $24M |
What Triad Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 47 investment properties.
Why Triad Bank denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Triad Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 19 | 20.0% |
| $100k – $150k | 20 | 15 | 0.0% |
| $150k – $250k | 22 | 21 | 4.6% |
| Over $250k | 32 | 22 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 27 | 20 | 8.7% |
| 45–54 | 36 | 29 | 6.3% |
Where Triad Bank lends
6 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 146 | 112 | 8.9% | — | #154 |
Frequently asked questions
Triad Bank denied 10.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
The most common reason Triad Bank gave in 2025 was "credit history", cited on 61.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 34% of its applications were for home purchases, 14% for refinancing (including cash-out), and 52% for home improvement or other purposes. By loan type: 99% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.