Triad Financial Services in New York vs the state
37.7%Denial rate+17.96 pts vs state
37.8%Decision denial rate+13.76 pts vs state
24.4%Origination rate-35.17 pts vs state
8.68%Median rate+2.05 pts vs state
2.93Rate spread (pts)+2.72 pts vs state
$61kMedian applicant income
296Loans originated
457Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 969 | 222 | 45.4% | 8.25% | #83 |
| 2024 | 1,206 | 315 | 44.4% | 8.80% | #62 |
| 2025 | 1,212 | 296 | 37.7% | 8.68% | #75 |
What Triad Financial Services lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Saratoga County | 187 | 43 | 67 | 35.8% |
| Onondaga County | 133 | 57 | 53 | 39.8% |
| Ontario County | 91 | 18 | 29 | 31.9% |
| Niagara County | 76 | 24 | 18 | 23.7% |
| Erie County | 75 | 10 | 44 | 58.7% |
| Orange County | 51 | 11 | 22 | 43.1% |
| Dutchess County | 42 | 8 | 18 | 42.9% |
| Oneida County | 41 | 8 | 15 | 36.6% |
| Wayne County | 35 | 9 | 9 | 25.7% |
| Sullivan County | 33 | 6 | 11 | 33.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 1,212 applications in 2025, of which 296 were originated and 457 denied.
37.7% of all applications, or 37.8% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Triad Financial Services originated in New York in 2025 was 8.68%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology