Triad Financial Services in Alabama vs the state
39.7%Denial rate+19.84 pts vs state
39.7%Decision denial rate+14.74 pts vs state
23.8%Origination rate-31.62 pts vs state
8.54%Median rate+2.04 pts vs state
2.73Rate spread (pts)+2.44 pts vs state
$63kMedian applicant income
587Loans originated
980Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,200 | 365 | 55.6% | 8.00% | #19 |
| 2024 | 2,288 | 401 | 50.8% | 8.55% | #21 |
| 2025 | 2,469 | 587 | 39.7% | 8.54% | #22 |
What Triad Financial Services lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 181 | 30 | 85 | 47.0% |
| Baldwin County | 147 | 26 | 71 | 48.3% |
| Tuscaloosa County | 133 | 45 | 43 | 32.3% |
| Talladega County | 104 | 28 | 38 | 36.5% |
| Cullman County | 103 | 28 | 38 | 36.9% |
| Madison County | 82 | 8 | 52 | 63.4% |
| St. Clair County | 78 | 28 | 26 | 33.3% |
| Walker County | 71 | 29 | 11 | 15.5% |
| Marion County | 71 | 22 | 23 | 32.4% |
| Pike County | 65 | 7 | 45 | 69.2% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 2,469 applications in 2025, of which 587 were originated and 980 denied.
39.7% of all applications, or 39.7% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Triad Financial Services originated in Alabama in 2025 was 8.54%, against a statewide median of 6.50%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology