Triad Financial Services in New Jersey vs the state
31.9%Denial rate+14.24 pts vs state
32.2%Decision denial rate+9.16 pts vs state
29.1%Origination rate-26.63 pts vs state
8.73%Median rate+1.98 pts vs state
2.88Rate spread (pts)+2.60 pts vs state
$72kMedian applicant income
131Loans originated
144Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 72 | 43.2% | 8.25% | #141 |
| 2024 | 412 | 110 | 33.7% | 8.75% | #116 |
| 2025 | 451 | 131 | 31.9% | 8.73% | #130 |
What Triad Financial Services lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 61 | 19 | 19 | 31.1% |
| Atlantic County | 56 | 20 | 15 | 26.8% |
| Cumberland County | 52 | 15 | 18 | 34.6% |
| Monmouth County | 51 | 13 | 24 | 47.1% |
| Middlesex County | 50 | 11 | 11 | 22.0% |
| Burlington County | 45 | 16 | 10 | 22.2% |
| Camden County | 30 | 7 | 11 | 36.7% |
| Cape May County | 29 | 4 | 14 | 48.3% |
| Gloucester County | 25 | 12 | 4 | 16.0% |
| Salem County | 15 | 7 | 4 | 26.7% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 451 applications in 2025, of which 131 were originated and 144 denied.
31.9% of all applications, or 32.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Triad Financial Services originated in New Jersey in 2025 was 8.73%, against a statewide median of 6.75%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology