Triad Financial Services in Missouri vs the state
55.4%Denial rate+40.31 pts vs state
55.6%Decision denial rate+36.90 pts vs state
11.0%Origination rate-51.67 pts vs state
8.77%Median rate+2.14 pts vs state
3.01Rate spread (pts)+2.66 pts vs state
$60kMedian applicant income
136Loans originated
685Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 771 | 135 | 56.9% | 8.00% | #56 |
| 2024 | 1,005 | 188 | 53.9% | 8.00% | #45 |
| 2025 | 1,237 | 136 | 55.4% | 8.77% | #43 |
What Triad Financial Services lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 144 | 23 | 84 | 58.3% |
| Laclede County | 84 | 4 | 48 | 57.1% |
| Camden County | 47 | 2 | 33 | 70.2% |
| Lincoln County | 46 | 11 | 20 | 43.5% |
| Clay County | 43 | 8 | 25 | 58.1% |
| Greene County | 39 | 4 | 21 | 53.8% |
| Pulaski County | 38 | 0 | 26 | 68.4% |
| St. Charles County | 30 | 7 | 16 | 53.3% |
| Vernon County | 30 | 0 | 24 | 80.0% |
| Jackson County | 27 | 5 | 18 | 66.7% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 1,237 applications in 2025, of which 136 were originated and 685 denied.
55.4% of all applications, or 55.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Triad Financial Services originated in Missouri in 2025 was 8.77%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology