Triad Financial Services in Texas vs the state
50.0%Denial rate+30.57 pts vs state
50.1%Decision denial rate+25.15 pts vs state
15.3%Origination rate-39.57 pts vs state
9.35%Median rate+2.85 pts vs state
3.44Rate spread (pts)+3.25 pts vs state
$70kMedian applicant income
2,321Loans originated
7,579Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10,985 | 1,299 | 60.7% | 8.25% | #16 |
| 2024 | 12,556 | 1,455 | 56.5% | 8.85% | #15 |
| 2025 | 15,158 | 2,321 | 50.0% | 9.35% | #10 |
What Triad Financial Services lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 864 | 75 | 502 | 58.1% |
| Montgomery County | 714 | 72 | 385 | 53.9% |
| Bexar County | 628 | 137 | 309 | 49.2% |
| Liberty County | 623 | 72 | 347 | 55.7% |
| Travis County | 465 | 82 | 248 | 53.3% |
| Brazoria County | 343 | 68 | 149 | 43.4% |
| Ector County | 316 | 70 | 137 | 43.4% |
| Bastrop County | 298 | 106 | 106 | 35.6% |
| Tarrant County | 295 | 57 | 148 | 50.2% |
| Hardin County | 231 | 25 | 120 | 51.9% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Newrez | D | 15,001 | 21.7% | 6.50% |
Frequently asked questions
Texas: 15,158 applications in 2025, of which 2,321 were originated and 7,579 denied.
50.0% of all applications, or 50.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Triad Financial Services originated in Texas in 2025 was 9.35%, against a statewide median of 6.50%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology