Triad Financial Services in Utah vs the state
28.2%Denial rate+12.20 pts vs state
28.2%Decision denial rate+9.03 pts vs state
34.8%Origination rate-28.48 pts vs state
8.77%Median rate+2.14 pts vs state
2.99Rate spread (pts)+2.75 pts vs state
$63kMedian applicant income
179Loans originated
145Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 40 | 67.3% | 8.70% | #76 |
| 2024 | 370 | 109 | 39.5% | 9.00% | #65 |
| 2025 | 515 | 179 | 28.2% | 8.77% | #58 |
What Triad Financial Services lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Triad Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Salt Lake County | 139 | 46 | 41 | 29.5% |
| Weber County | 131 | 49 | 36 | 27.5% |
| Davis County | 74 | 30 | 23 | 31.1% |
| Utah County | 64 | 20 | 15 | 23.4% |
| Tooele County | 32 | 10 | 11 | 34.4% |
| Cache County | 22 | 9 | 4 | 18.2% |
| Box Elder County | 10 | 4 | 0 | 0.0% |
| Iron County | 9 | 4 | 2 | 22.2% |
| Carbon County | 8 | 1 | 2 | 25.0% |
| Uintah County | 5 | 0 | 5 | 100.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 515 applications in 2025, of which 179 were originated and 145 denied.
28.2% of all applications, or 28.2% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Triad Financial Services originated in Utah in 2025 was 8.77%, against a statewide median of 6.63%.
About this data. Figures are Triad Financial Services's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology