Triad Financial Services in Idaho vs the state
31.9%Denial rate+17.40 pts vs state
31.9%Decision denial rate+14.33 pts vs state
37.1%Origination rate-25.94 pts vs state
8.73%Median rate+2.11 pts vs state
3.06Rate spread (pts)+2.90 pts vs state
$59kMedian applicant income
142Loans originated
122Denied
Trend in Idaho
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 287 | 81 | 53.7% | 8.60% | #59 |
| 2024 | 302 | 95 | 38.1% | 8.80% | #62 |
| 2025 | 383 | 142 | 31.9% | 8.73% | #58 |
What Triad Financial Services lends in Idaho
By loan purpose
By loan type
Why it denied Idaho applicants
Where in Idaho
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ada County | 81 | 32 | 21 | 25.9% |
| Kootenai County | 80 | 31 | 26 | 32.5% |
| Canyon County | 61 | 22 | 16 | 26.2% |
| Bannock County | 20 | 3 | 13 | 65.0% |
| Elmore County | 19 | 7 | 6 | 31.6% |
| Bonneville County | 16 | 9 | 2 | 12.5% |
| Gem County | 14 | 6 | 5 | 35.7% |
| Payette County | 11 | 4 | 3 | 27.3% |
| Latah County | 10 | 5 | 3 | 30.0% |
| Bingham County | 10 | 1 | 1 | 10.0% |
Other large lenders in Idaho
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Idaho Central Credit Union | A | 15,644 | 16.5% | 7.00% |
| Rocket Mortgage | C | 4,391 | 13.3% | 6.63% |
| United Shore Financial Services | B | 3,943 | 9.1% | 6.12% |
| Premier Mortgage Resources | B | 2,504 | 2.7% | 6.25% |
| Mountain America Federal Credit Union | D | 2,323 | 37.7% | 7.24% |
| Guild Mortgage | A | 2,320 | 3.4% | 6.50% |
| U.S. Bank | D | 2,161 | 28.6% | 7.35% |
| Loandepot.Com | D | 1,622 | 14.2% | 6.50% |
| Glacier Bank | D | 1,507 | 14.5% | 6.88% |
| Pennymac Loan Services | C | 1,297 | 10.8% | 6.50% |
Frequently asked questions
Idaho: 383 applications in 2025, of which 142 were originated and 122 denied.
31.9% of all applications, or 31.9% of the applications it actually decided on. The Idaho statewide average across all lenders was 14.5%.
The median rate on loans Triad Financial Services originated in Idaho 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 Idaho, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology