Lenders › Triad Financial Services, Inc. › California
Triad Financial Services, Inc. in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, Triad Financial Services, Inc. reported 4,096 applications and 1,207 originations for 2024, $205m in all.
Its denial rate in the state was 28.8%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 55.7%.
The median rate spread on its California originations was 2.8 percentage points (state median 0.4).
Applications in the state were down 24% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Triad Financial Services, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 28.8% | 24.8% | 55.7% | 24.3% |
| Median rate spread, pp | 2.8 | 0.4 | 2.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 98.1% | 19.9% | 84.8% | 15.6% |
| Average originated loan | $170k | $566k | $99k | $329k |
| Home purchase share | 99.7% | 51.2% | 99.5% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 100% (1,203)Refinancing 0% (4)
By type
Conventional 100% (1,207)
Denial reasons as coded
Share of 1,177 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Riverside County | 487 | 152 | $22m | 36.1% |
| Los Angeles County | 496 | 120 | $20m | 26.9% |
| San Bernardino County | 403 | 119 | $18m | 27.9% |
| San Diego County | 382 | 111 | $22m | 28.5% |
| Santa Clara County | 326 | 105 | $27m | 23.3% |
| Sacramento County | 211 | 58 | $7.0m | 28.1% |
| Orange County | 223 | 56 | $9.9m | 39.2% |
| Ventura County | 99 | 49 | $12m | 18.2% |
| Sonoma County | 177 | 48 | $9.1m | 10.8% |
| Alameda County | 84 | 32 | $7.4m | 21.4% |
| Stanislaus County | 76 | 28 | $2.8m | 22.4% |
| San Joaquin County | 75 | 27 | $4.0m | 21.3% |
| Contra Costa County | 81 | 23 | $4.2m | 29.6% |
| Placer County | 70 | 22 | $2.7m | 26.1% |
| Kern County | 74 | 17 | $1.8m | 39.2% |
| Solano County | 61 | 17 | $2.7m | 31.1% |
| Santa Cruz County | 31 | 17 | $4.4m | 16.1% |
| Napa County | 50 | 16 | $4.0m | 22.0% |
| Santa Barbara County | 48 | 13 | $2.1m | 34.0% |
| Monterey County | 48 | 13 | $2.6m | 33.3% |
| Lake County | 35 | 13 | $935k | 17.1% |
| Fresno County | 52 | 12 | $1.4m | 28.8% |
| San Luis Obispo County | 45 | 12 | $2.1m | 40.0% |
| Tulare County | 44 | 12 | $1.3m | 38.6% |
| Butte County | 32 | 11 | $945k | 21.9% |
| Shasta County | 40 | 10 | $730k | 30.0% |
| Yolo County | 39 | 10 | $1.4m | 46.2% |
| Merced County | 32 | 10 | $960k | 46.9% |
| El Dorado County | 28 | 9 | $1.0m | 28.6% |
| San Mateo County | 30 | 7 | $1.5m | 43.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Triad Financial Services, Inc. originate in California in 2024?
1,207 loans totalling $205m, from 4,096 applications reported for properties in California.
What is Triad Financial Services, Inc.'s denial rate in California?
28.8% of decided applications in California were denied, against 24.8% for all lenders in the state and 55.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Triad Financial Services, Inc. lend in most?
By originations: Riverside County (152), Los Angeles County (120), San Bernardino County (119), San Diego County (111), Santa Clara County (105).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.