Triad Financial Services in Michigan vs the state
56.1%Denial rate+37.53 pts vs state
56.1%Decision denial rate+33.51 pts vs state
19.4%Origination rate-40.52 pts vs state
8.49%Median rate+1.74 pts vs state
2.85Rate spread (pts)+2.45 pts vs state
$52kMedian applicant income
1,245Loans originated
3,602Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,882 | 1,399 | 53.8% | 9.99% | #5 |
| 2024 | 6,182 | 1,294 | 53.2% | 6.99% | #8 |
| 2025 | 6,426 | 1,245 | 56.1% | 8.49% | #8 |
What Triad Financial Services lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 782 | 120 | 495 | 63.3% |
| Kent County | 760 | 155 | 422 | 55.5% |
| Macomb County | 632 | 113 | 356 | 56.3% |
| Ottawa County | 571 | 124 | 296 | 51.8% |
| Oakland County | 446 | 73 | 274 | 61.4% |
| Washtenaw County | 414 | 70 | 247 | 59.7% |
| Genesee County | 290 | 60 | 147 | 50.7% |
| Livingston County | 221 | 51 | 108 | 48.9% |
| Monroe County | 219 | 58 | 113 | 51.6% |
| Muskegon County | 214 | 47 | 109 | 50.9% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
| Newrez | D | 4,958 | 18.5% | 6.75% |
Frequently asked questions
Michigan: 6,426 applications in 2025, of which 1,245 were originated and 3,602 denied.
56.1% of all applications, or 56.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Triad Financial Services originated in Michigan in 2025 was 8.49%, against a statewide median of 6.75%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology