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Triad Financial Services, Inc. in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI 549300CB67L6KPJLHE19
Reporting agency Department of Housing and Urban Development
State Texas

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 Texas, Triad Financial Services, Inc. reported 12,556 applications and 1,455 originations for 2024, $179m in all.

Its denial rate in the state was 56.7%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 55.7%.

The median rate spread on its Texas originations was 3.0 percentage points (state median 0.2).

Applications in the state were up 14% on 2023.

12,556applications in TX, 202414.5% of the lender's total
1,455loans originated$179m
56.7%denial rateTX all lenders 26.0%
3.0 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersTriad Financial Services, Inc., all statesUnited States
Denial rate56.7%26.0%55.7%24.3%
Median rate spread, pp3.00.22.70.3
Originations with spread of 1.5 pp or more83.7%11.8%84.8%15.6%
Average originated loan$123k$350k$99k$329k
Home purchase share99.8%72.8%99.5%57.0%
FHA-insured share0.0%19.8%0.0%13.4%
VA-guaranteed share0.0%10.4%0.0%7.9%

Trend by year

ApplicationsOriginations

06847.513,6952022: 13,695 Applications2023: 10,985 Applications2024: 12,556 Applications2022: 1,537 Originations2023: 1,299 Originations2024: 1,455 Originations202220232024
Triad Financial Services, Inc. in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%30.4%60.9%2022: 56.5% This lender in state2023: 60.9% This lender in state2024: 56.7% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 100% (1,452)Refinancing 0% (3)

By type

Conventional 100% (1,455)

Denial reasons as coded

Debt-to-income ratio48.1%
Credit history36.1%
Credit application incomplete6.1%
Other5.9%
Collateral1.5%
Insufficient cash (downpayment, closing costs)1%
Employment history0.9%
Unverifiable information0.4%
Mortgage insurance denied0%

Share of 7,099 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Bexar County54076$7.5m61.3%
Travis County49375$8.1m57.0%
Harris County68165$6.2m62.5%
Montgomery County57457$6.1m53.2%
Hays County25852$5.2m55.0%
Brazoria County38148$6.3m48.0%
Tarrant County30946$5.2m58.1%
Liberty County38836$4.3m59.3%
Ector County25535$4.5m60.4%
Johnson County17934$4.9m53.1%
Midland County18030$4.5m53.3%
Bastrop County12623$3.0m52.4%
Williamson County11522$2.7m54.8%
Hidalgo County14420$2.1m60.4%
Atascosa County11620$2.9m48.3%
Medina County9020$2.4m60.0%
Comal County8319$2.2m43.4%
Smith County17817$1.7m68.5%
Grayson County15516$2.4m56.8%
Kaufman County8216$1.9m52.4%
Hardin County21315$1.6m53.6%
Guadalupe County11415$2.1m45.0%
Rusk County6915$1.9m55.1%
Angelina County11514$1.8m43.5%
Denton County12013$1.2m59.2%
Brazos County10713$1.2m68.2%
Anderson County6913$1.4m52.9%
Taylor County4613$1.8m45.7%
Wise County9112$1.9m46.2%
Bowie County13911$1.3m64.5%
Caldwell County5211$2.2m44.2%
Hunt County10710$1.2m55.1%
Van Zandt County8410$1.4m56.0%
Wood County7310$1.4m54.8%
El Paso County6510$1.2m46.2%
Wilson County6410$1.6m45.3%
Victoria County1139$825k54.9%
Polk County1099$1.2m61.1%
Orange County1049$1.0m49.0%
Cameron County1019$805k61.4%

Counties with at least 25 applications, by originations.

Questions and answers

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

1,455 loans totalling $179m, from 12,556 applications reported for properties in Texas.

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

56.7% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Triad Financial Services, Inc. lend in most?

By originations: Bexar County (76), Travis County (75), Harris County (65), Montgomery County (57), Hays County (52).

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