Lender report card · New Jersey

Triad Financial Services, Inc.

Jacksonville, FL · What the federal mortgage record shows about how Triad Financial Services, Inc. treated New Jersey applicants, 2018–2025 — 2,204 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
50.1%
1,104 approved
Denial rate
49.9%
1,100 denied
Decisions
2,204
2018–2025
Avg. rate spread
+3.09 pp
vs. market benchmark
50.1% approved
49.9% denied

Share of 2,204 New Jersey applications Triad Financial Services, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional50.1% of 2,204 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

18%31%44%57%70%23%21%26%37%50%56%66%68%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Triad Financial Services, Inc.’s rates ran +2.86 pp higher than the typical New Jersey lender (average rate spread +3.09 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Triad Financial Services, Inc. approves

By income
Under $50k29.4% · 700$50–75k54.7% · 740$75–100k62.2% · 399$100–150k69.9% · 279$150–250k64.2% · 67
By debt-to-income
Under 36%62.6% · 65836–43%68.8% · 47443–50%71.0% · 500Over 50%2.0% · 537
By down payment (LTV)

Thin.

Why Triad Financial Services, Inc. denied applications

Debt-to-income ratio49% of denialsCredit history46% of denialsOther22% of denialsIncomplete application6% of denialsCollateral (value/type)2% of denialsUnverifiable information2% of denials

Where Triad Financial Services, Inc. lends in NJ

CountyDecisionsApproval
Cumberland County35048.6%
Ocean County33248.5%
Middlesex County27345.8%
Monmouth County25845.3%
Atlantic County21852.3%
Burlington County18961.4%
Cape May County14749.7%
Gloucester County12558.4%

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Triad Financial Services, Inc. (LEI 549300CB67L6KPJLHE19). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →