Triad Financial Services in California vs the state
30.8%Denial rate+13.36 pts vs state
30.8%Decision denial rate+8.44 pts vs state
30.3%Origination rate-25.88 pts vs state
8.73%Median rate+2.11 pts vs state
2.98Rate spread (pts)+2.71 pts vs state
$92kMedian applicant income
1,644Loans originated
1,669Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,415 | 1,424 | 30.4% | 8.00% | #29 |
| 2024 | 4,096 | 1,207 | 28.7% | 8.75% | #42 |
| 2025 | 5,423 | 1,644 | 30.8% | 8.73% | #38 |
What Triad Financial Services lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 686 | 202 | 211 | 30.8% |
| Riverside County | 617 | 186 | 219 | 35.5% |
| San Diego County | 546 | 161 | 172 | 31.5% |
| San Bernardino County | 535 | 157 | 159 | 29.7% |
| Santa Clara County | 364 | 121 | 95 | 26.1% |
| Sacramento County | 278 | 75 | 87 | 31.3% |
| Orange County | 255 | 70 | 85 | 33.3% |
| Sonoma County | 206 | 49 | 37 | 18.0% |
| Kern County | 148 | 45 | 56 | 37.8% |
| Contra Costa County | 145 | 34 | 57 | 39.3% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 5,423 applications in 2025, of which 1,644 were originated and 1,669 denied.
30.8% of all applications, or 30.8% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Triad Financial Services originated in California in 2025 was 8.73%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology