Triad Financial Services in Oregon vs the state
36.2%Denial rate+20.84 pts vs state
36.2%Decision denial rate+16.99 pts vs state
30.0%Origination rate-30.66 pts vs state
8.73%Median rate+1.98 pts vs state
3.08Rate spread (pts)+2.80 pts vs state
$72kMedian applicant income
426Loans originated
514Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,630 | 395 | 40.9% | 8.25% | #15 |
| 2024 | 1,287 | 357 | 34.7% | 8.80% | #29 |
| 2025 | 1,422 | 426 | 36.2% | 8.73% | #27 |
What Triad Financial Services lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 232 | 79 | 86 | 37.1% |
| Clackamas County | 206 | 65 | 69 | 33.5% |
| Lane County | 165 | 46 | 55 | 33.3% |
| Washington County | 121 | 31 | 44 | 36.4% |
| Linn County | 100 | 34 | 29 | 29.0% |
| Yamhill County | 79 | 27 | 23 | 29.1% |
| Multnomah County | 78 | 25 | 30 | 38.5% |
| Deschutes County | 54 | 24 | 19 | 35.2% |
| Umatilla County | 45 | 8 | 26 | 57.8% |
| Polk County | 45 | 13 | 20 | 44.4% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 1,422 applications in 2025, of which 426 were originated and 514 denied.
36.2% of all applications, or 36.2% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Triad Financial Services originated in Oregon 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 Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology