Triad Financial Services in South Dakota vs the state
48.4%Denial rate+35.66 pts vs state
49.2%Decision denial rate+33.46 pts vs state
23.0%Origination rate-43.02 pts vs state
8.80%Median rate+2.30 pts vs state
3.31Rate spread (pts)+3.12 pts vs state
$63kMedian applicant income
29Loans originated
61Denied
Trend in South Dakota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 112 | 25 | 60.7% | 8.25% | #42 |
| 2024 | 94 | 17 | 54.3% | 10.50% | #49 |
| 2025 | 126 | 29 | 48.4% | 8.80% | #51 |
What Triad Financial Services lends in South Dakota
By loan purpose
By loan type
Why it denied South Dakota applicants
Where in South Dakota
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Minnehaha County | 42 | 10 | 21 | 50.0% |
| Pennington County | 24 | 7 | 12 | 50.0% |
| Clay County | 18 | 3 | 10 | 55.6% |
| Custer County | 6 | 0 | 5 | 83.3% |
| Lincoln County | 5 | 1 | 4 | 80.0% |
| Codington County | 5 | 0 | 2 | 40.0% |
| Meade County | 4 | 1 | 2 | 50.0% |
| Turner County | 3 | 0 | 2 | 66.7% |
| Hughes County | 3 | 1 | 1 | 33.3% |
| Davison County | 2 | 2 | 0 | 0.0% |
Other large lenders in South Dakota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Plains Commerce Bank | B | 2,280 | 5.5% | 6.25% |
| First PREMIER Bank | C | 1,389 | 11.7% | 6.88% |
| First Bank & Trust | C | 1,320 | 11.2% | 6.63% |
| Black Hills Federal Credit Union | D | 1,223 | 23.0% | 7.75% |
| Rocket Mortgage | C | 1,027 | 16.9% | 6.75% |
| CMG Mortgage | A | 919 | 2.3% | 6.38% |
| Bankwest | F | 786 | 14.0% | 7.25% |
| First Dakota National Bank | A | 690 | 4.6% | 6.50% |
| Levo Federal Credit Union | B | 644 | 6.8% | 7.50% |
| U.S. Bank | D | 637 | 24.0% | 6.99% |
Frequently asked questions
South Dakota: 126 applications in 2025, of which 29 were originated and 61 denied.
48.4% of all applications, or 49.2% of the applications it actually decided on. The South Dakota statewide average across all lenders was 12.8%.
The median rate on loans Triad Financial Services originated in South Dakota in 2025 was 8.80%, against a statewide median of 6.50%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in South Dakota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology