Triad Financial Services, Inc. in Louisiana: applications, originations and denial rate, 2024

Lenders › Triad Financial Services, Inc. › Louisiana

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.

Triad Financial Services, Inc.'s 2024 HMDA record for Louisiana covers 3,938 applications, 424 of them originated, worth $48m.

Its denial rate in the state was 58.0%, above the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 55.7%.

The median rate spread on its Louisiana originations was 2.6 percentage points (state median 0.4).

Applications in the state were up 16% on 2023.

3,938applications in LA, 20244.5% of the lender's total

424loans originated$48m

58.0%denial rateLA all lenders 30.2%

2.6 ppmedian rate spreadLA 0.4 pp

Compared with the state and the lender's national record

Measure	In Louisiana	Louisiana, all lenders	Triad Financial Services, Inc., all states	United States
Denial rate	58.0%	30.2%	55.7%	24.3%
Median rate spread, pp	2.6	0.4	2.7	0.3
Originations with spread of 1.5 pp or more	91.5%	17.0%	84.8%	15.6%
Average originated loan	$114k	$234k	$99k	$329k
Home purchase share	99.8%	63.7%	99.5%	57.0%
FHA-insured share	0.0%	20.7%	0.0%	13.4%
VA-guaranteed share	0.0%	9.3%	0.0%	7.9%

Trend by year

ApplicationsOriginations

Triad Financial Services, Inc. in Louisiana: applications and originations, 2022–2024

This lender in stateLouisiana, all lenders

Denial rate by year, state rate dashed

Loan purpose and loan type in Louisiana

By purpose

Home purchase 100% (423)Refinancing 0% (1)

By type

Conventional 100% (424)

Denial reasons as coded

Credit history43.7%

Debt-to-income ratio41%

Credit application incomplete5.7%

Other5.1%

Collateral2.2%

Employment history1.2%

Insufficient cash (downpayment, closing costs)0.5%

Unverifiable information0.5%

Mortgage insurance denied0%

Share of 2,275 denials in Louisiana by first denial reason coded (outlined bar: all lenders in the state).

Counties in Louisiana

County	Applications	Originations	Amount	Denial rate
Tangipahoa Parish	345	34	$3.8m	61.5%
Livingston Parish	185	21	$2.0m	55.7%
Calcasieu Parish	176	19	$2.3m	54.5%
St. Landry Parish	161	16	$1.7m	54.0%
St. Helena Parish	83	16	$1.9m	51.8%
Lincoln Parish	80	15	$1.8m	51.2%
Beauregard Parish	58	15	$1.8m	51.7%
Sabine Parish	70	14	$2.1m	42.9%
Lafayette Parish	142	13	$1.2m	62.7%
Ouachita Parish	113	13	$1.3m	61.1%
Bossier Parish	73	13	$1.7m	52.8%
Rapides Parish	94	12	$1.4m	55.9%
Terrebonne Parish	126	11	$1.0m	72.0%
Caddo Parish	107	11	$1.3m	66.0%
Washington Parish	92	11	$1.4m	60.9%
Vermilion Parish	80	8	$1.1m	53.8%
Acadia Parish	69	8	$810k	56.5%
Franklin Parish	65	8	$770k	54.7%
Webster Parish	51	8	$730k	47.1%
St. Martin Parish	91	7	$845k	48.4%
Iberia Parish	70	7	$835k	58.6%
Union Parish	69	7	$815k	55.1%
Vernon Parish	58	7	$665k	36.2%
De Soto Parish	46	7	$995k	58.7%
Evangeline Parish	38	7	$1.0m	47.4%
Lafourche Parish	116	6	$840k	69.0%
Ascension Parish	97	6	$850k	61.1%
Richland Parish	55	6	$590k	54.5%
Allen Parish	51	6	$580k	47.1%
Bienville Parish	39	6	$700k	53.8%
East Feliciana Parish	37	6	$650k	56.8%
Grant Parish	72	5	$465k	58.3%
St. Mary Parish	48	4	$410k	66.0%
Claiborne Parish	45	4	$550k	56.8%
Jefferson Davis Parish	42	4	$400k	48.8%
St. James Parish	38	4	$340k	65.8%
Morehouse Parish	38	4	$460k	54.1%
East Baton Rouge Parish	36	4	$540k	72.2%
Winn Parish	35	4	$500k	68.6%
Jackson Parish	33	4	$350k	57.6%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Triad Financial Services, Inc. originate in Louisiana in 2024?

424 loans totalling $48m, from 3,938 applications reported for properties in Louisiana.

What is Triad Financial Services, Inc.'s denial rate in Louisiana?

58.0% of decided applications in Louisiana were denied, against 30.2% 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 Louisiana counties does Triad Financial Services, Inc. lend in most?

By originations: Tangipahoa Parish (34), Livingston Parish (21), Calcasieu Parish (19), St. Landry Parish (16), St. Helena Parish (16).

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 Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.