Triad Financial Services in Illinois vs the state
66.1%Denial rate+48.96 pts vs state
66.3%Decision denial rate+44.65 pts vs state
14.6%Origination rate-44.10 pts vs state
8.88%Median rate+2.13 pts vs state
3.25Rate spread (pts)+2.87 pts vs state
$56kMedian applicant income
117Loans originated
528Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,412 | 422 | 53.4% | 8.00% | #54 |
| 2024 | 1,227 | 339 | 56.6% | 8.00% | #63 |
| 2025 | 799 | 117 | 66.1% | 8.88% | #94 |
What Triad Financial Services lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 154 | 22 | 106 | 68.8% |
| Sangamon County | 118 | 14 | 79 | 66.9% |
| Kankakee County | 72 | 11 | 52 | 72.2% |
| Will County | 38 | 6 | 24 | 63.2% |
| St. Clair County | 32 | 5 | 19 | 59.4% |
| Champaign County | 31 | 7 | 18 | 58.1% |
| McLean County | 29 | 5 | 17 | 58.6% |
| Winnebago County | 29 | 10 | 13 | 44.8% |
| Madison County | 27 | 2 | 20 | 74.1% |
| Tazewell County | 26 | 2 | 22 | 84.6% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 799 applications in 2025, of which 117 were originated and 528 denied.
66.1% of all applications, or 66.3% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Triad Financial Services originated in Illinois in 2025 was 8.88%, against a statewide median of 6.75%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology