Lenders › Triad Financial Services, Inc. › Florida
Triad Financial Services, Inc. in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida 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 Florida, Triad Financial Services, Inc. reported 4,583 applications and 818 originations for 2024, $84m in all.
Its denial rate in the state was 54.2%, above the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 55.7%.
The median rate spread on its Florida originations was 2.6 percentage points (state median 0.3).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Triad Financial Services, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 54.2% | 29.0% | 55.7% | 24.3% |
| Median rate spread, pp | 2.6 | 0.3 | 2.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 87.4% | 16.4% | 84.8% | 15.6% |
| Average originated loan | $102k | $359k | $99k | $329k |
| Home purchase share | 99.9% | 62.9% | 99.5% | 57.0% |
| FHA-insured share | 0.0% | 17.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 100% (817)Refinancing 0% (1)
By type
Conventional 100% (818)
Denial reasons as coded
Share of 2,471 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Polk County | 433 | 103 | $7.8m | 52.9% |
| Duval County | 335 | 74 | $4.6m | 63.2% |
| Hillsborough County | 365 | 56 | $5.3m | 57.4% |
| Orange County | 348 | 48 | $4.1m | 59.4% |
| Alachua County | 103 | 35 | $3.4m | 43.7% |
| Marion County | 137 | 33 | $3.4m | 43.7% |
| Pinellas County | 143 | 30 | $2.6m | 44.8% |
| Broward County | 195 | 29 | $3.1m | 58.0% |
| Lake County | 182 | 29 | $3.1m | 55.2% |
| Escambia County | 133 | 24 | $1.3m | 57.6% |
| Pasco County | 114 | 24 | $3.1m | 46.5% |
| Volusia County | 110 | 19 | $1.9m | 56.0% |
| Suwannee County | 52 | 18 | $2.3m | 38.5% |
| Columbia County | 49 | 15 | $2.2m | 46.9% |
| Putnam County | 66 | 14 | $1.8m | 47.0% |
| Manatee County | 65 | 14 | $1.1m | 46.2% |
| Lee County | 117 | 13 | $1.2m | 58.1% |
| Seminole County | 64 | 13 | $1.2m | 60.9% |
| Osceola County | 88 | 12 | $810k | 70.1% |
| Indian River County | 74 | 12 | $1.3m | 54.1% |
| Sumter County | 45 | 12 | $1.3m | 47.6% |
| Brevard County | 77 | 9 | $725k | 45.5% |
| Charlotte County | 45 | 9 | $1.3m | 48.9% |
| Palm Beach County | 124 | 8 | $730k | 56.1% |
| Citrus County | 53 | 8 | $670k | 44.2% |
| Highlands County | 43 | 8 | $850k | 41.9% |
| Walton County | 42 | 8 | $960k | 50.0% |
| Madison County | 29 | 8 | $1.3m | 44.8% |
| Levy County | 25 | 8 | $1.0m | 28.0% |
| Leon County | 41 | 7 | $1.1m | 56.1% |
| DeSoto County | 31 | 7 | $715k | 48.4% |
| Bay County | 71 | 6 | $880k | 59.2% |
| Miami-Dade County | 70 | 6 | $670k | 70.0% |
| Hernando County | 43 | 6 | $1.3m | 47.6% |
| Okeechobee County | 37 | 6 | $890k | 59.5% |
| St. Lucie County | 32 | 6 | $480k | 46.9% |
| Clay County | 30 | 6 | $1.1m | 48.3% |
| Jackson County | 33 | 5 | $935k | 68.8% |
| Martin County | 28 | 5 | $745k | 39.3% |
| Sarasota County | 35 | 4 | $550k | 54.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Triad Financial Services, Inc. originate in Florida in 2024?
818 loans totalling $84m, from 4,583 applications reported for properties in Florida.
What is Triad Financial Services, Inc.'s denial rate in Florida?
54.2% of decided applications in Florida were denied, against 29.0% 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 Florida counties does Triad Financial Services, Inc. lend in most?
By originations: Polk County (103), Duval County (74), Hillsborough County (56), Orange County (48), Alachua County (35).
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 Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.