Triad Financial Services in Massachusetts vs the state
76.7%Denial rate+60.46 pts vs state
79.3%Decision denial rate+59.36 pts vs state
6.7%Origination rate-55.93 pts vs state
10.34%Median rate+3.71 pts vs state
4.94Rate spread (pts)+4.85 pts vs state
$110kMedian applicant income
2Loans originated
23Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 1 | 83.3% | 7.00% | #420 |
| 2024 | 18 | 2 | 88.9% | 8.83% | #410 |
| 2025 | 30 | 2 | 76.7% | 10.34% | #378 |
What Triad Financial Services lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barnstable County | 9 | 0 | 8 | 88.9% |
| Middlesex County | 7 | 0 | 5 | 71.4% |
| Hampden County | 4 | 1 | 3 | 75.0% |
| Bristol County | 3 | 1 | 2 | 66.7% |
| Franklin County | 2 | 0 | 2 | 100.0% |
| Essex County | 2 | 0 | 2 | 100.0% |
| Plymouth County | 1 | 0 | 0 | 0.0% |
| Worcester County | 1 | 0 | 1 | 100.0% |
| Berkshire County | 1 | 0 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 30 applications in 2025, of which 2 were originated and 23 denied.
76.7% of all applications, or 79.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Triad Financial Services originated in Massachusetts in 2025 was 10.34%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology