Triad Financial Services in Kentucky vs the state
59.6%Denial rate+40.75 pts vs state
59.7%Decision denial rate+36.18 pts vs state
7.1%Origination rate-50.97 pts vs state
8.56%Median rate+1.80 pts vs state
2.76Rate spread (pts)+2.45 pts vs state
$55kMedian applicant income
74Loans originated
623Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 985 | 116 | 65.7% | 8.00% | #39 |
| 2024 | 918 | 83 | 65.3% | 8.55% | #45 |
| 2025 | 1,046 | 74 | 59.6% | 8.56% | #40 |
What Triad Financial Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bullitt County | 93 | 29 | 44 | 47.3% |
| Pike County | 69 | 1 | 41 | 59.4% |
| Grant County | 47 | 1 | 35 | 74.5% |
| Floyd County | 47 | 2 | 36 | 76.6% |
| Laurel County | 43 | 2 | 25 | 58.1% |
| Henderson County | 26 | 7 | 14 | 53.8% |
| Whitley County | 25 | 1 | 13 | 52.0% |
| Hardin County | 24 | 3 | 12 | 50.0% |
| Perry County | 24 | 1 | 16 | 66.7% |
| Knox County | 23 | 1 | 16 | 69.6% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 1,046 applications in 2025, of which 74 were originated and 623 denied.
59.6% of all applications, or 59.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Triad Financial Services originated in Kentucky in 2025 was 8.56%, against a statewide median of 6.75%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology