Triad Financial Services in Minnesota vs the state
50.0%Denial rate+36.36 pts vs state
50.0%Decision denial rate+33.69 pts vs state
19.3%Origination rate-47.03 pts vs state
8.78%Median rate+2.15 pts vs state
3.00Rate spread (pts)+2.75 pts vs state
$59kMedian applicant income
230Loans originated
594Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 817 | 137 | 64.4% | 9.25% | #45 |
| 2024 | 1,035 | 190 | 55.8% | 8.95% | #39 |
| 2025 | 1,189 | 230 | 50.0% | 8.78% | #35 |
What Triad Financial Services lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Anoka County | 180 | 39 | 86 | 47.8% |
| Dakota County | 172 | 24 | 106 | 61.6% |
| Ramsey County | 108 | 21 | 57 | 52.8% |
| Washington County | 98 | 16 | 46 | 46.9% |
| Wright County | 59 | 16 | 28 | 47.5% |
| St. Louis County | 54 | 7 | 24 | 44.4% |
| Benton County | 52 | 14 | 27 | 51.9% |
| Stearns County | 41 | 7 | 18 | 43.9% |
| Blue Earth County | 40 | 7 | 16 | 40.0% |
| Olmsted County | 34 | 2 | 23 | 67.6% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 1,189 applications in 2025, of which 230 were originated and 594 denied.
50.0% of all applications, or 50.0% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Triad Financial Services originated in Minnesota in 2025 was 8.78%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology