Triad Financial Services in North Dakota vs the state
35.4%Denial rate+23.94 pts vs state
35.4%Decision denial rate+21.66 pts vs state
33.9%Origination rate-35.84 pts vs state
8.21%Median rate+1.71 pts vs state
2.26Rate spread (pts)+2.02 pts vs state
$76kMedian applicant income
22Loans originated
23Denied
Trend in North Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 48 | 13 | 52.1% | 7.90% | #62 |
| 2024 | 50 | 12 | 56.0% | 9.15% | #66 |
| 2025 | 65 | 22 | 35.4% | 8.21% | #62 |
What Triad Financial Services lends in North Dakota
By loan purpose
By loan type
Why it denied North Dakota applicants
Where in North Dakota
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burleigh County | 11 | 3 | 5 | 45.5% |
| Ward County | 11 | 3 | 5 | 45.5% |
| Stark County | 7 | 1 | 3 | 42.9% |
| Morton County | 7 | 2 | 4 | 57.1% |
| Williams County | 7 | 4 | 1 | 14.3% |
| Cass County | 5 | 1 | 2 | 40.0% |
| Ramsey County | 2 | 2 | 0 | 0.0% |
| Adams County | 2 | 0 | 1 | 50.0% |
| Walsh County | 2 | 0 | 1 | 50.0% |
| Dunn County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Gate City Bank | C | 3,106 | 11.3% | 6.65% |
| First International Bank & Trust | B | 1,112 | 4.0% | 6.63% |
| United Shore Financial Services | B | 881 | 7.5% | 6.25% |
| Rocket Mortgage | C | 827 | 21.6% | 6.63% |
| Bell Bank | A | 806 | 7.7% | 6.99% |
| First Community Credit Union | B | 675 | 7.1% | 6.49% |
| Capital | C | 646 | 3.7% | 7.00% |
| TOWN AND COUNTRY Credit Union | B | 571 | 2.1% | 6.25% |
| Mortgage Research Center | C | 500 | 13.6% | 6.25% |
| Fairway Independent Mortgage | B | 497 | 3.0% | 6.40% |
Frequently asked questions
North Dakota: 65 applications in 2025, of which 22 were originated and 23 denied.
35.4% of all applications, or 35.4% of the applications it actually decided on. The North Dakota statewide average across all lenders was 11.4%.
The median rate on loans Triad Financial Services originated in North Dakota in 2025 was 8.21%, against a statewide median of 6.50%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in North Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology