Triad Financial Services in North Carolina vs the state
51.5%Denial rate+33.48 pts vs state
51.6%Decision denial rate+28.75 pts vs state
16.2%Origination rate-41.63 pts vs state
8.56%Median rate+2.06 pts vs state
2.63Rate spread (pts)+2.55 pts vs state
$60kMedian applicant income
216Loans originated
688Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,322 | 187 | 59.1% | 8.00% | #63 |
| 2024 | 1,245 | 137 | 58.4% | 8.30% | #67 |
| 2025 | 1,335 | 216 | 51.5% | 8.56% | #71 |
What Triad Financial Services lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Buncombe County | 99 | 21 | 49 | 49.5% |
| Robeson County | 84 | 23 | 40 | 47.6% |
| Brunswick County | 74 | 8 | 39 | 52.7% |
| Mecklenburg County | 56 | 2 | 39 | 69.6% |
| Columbus County | 53 | 15 | 21 | 39.6% |
| Cumberland County | 53 | 6 | 36 | 67.9% |
| Henderson County | 45 | 7 | 27 | 60.0% |
| Cabarrus County | 44 | 0 | 36 | 81.8% |
| Craven County | 35 | 2 | 31 | 88.6% |
| Alamance County | 32 | 2 | 19 | 59.4% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,335 applications in 2025, of which 216 were originated and 688 denied.
51.5% of all applications, or 51.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Triad Financial Services originated in North Carolina in 2025 was 8.56%, against a statewide median of 6.50%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology