Purchase Originations
413
Median Total Costs
$4,494
−32.7% vs national ($6,680)
↓ $97 vs prior year
Median Rate
8.680%
+33.7% vs national (6.490%)
↑ 0.180% vs prior year
Median Origination
$3,446
Median Lender Credits
$42
Denial Rate
59.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 413 | 8.680% | $4,494 | $3,446 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 103 | 8.860% | $5,438 | #274 |
| Mississippi | 53 | 8.610% | $4,528 | #69 |
| Louisiana | 40 | 8.655% | $4,362 | — |
| Florida | 38 | 8.630% | $3,423 | — |
| Alabama | 25 | 8.410% | $3,441 | — |
| North Carolina | 23 | 8.600% | $5,307 | — |
| South Carolina | 19 | 8.460% | $8,099 | — |
| Oklahoma | 18 | 8.860% | $3,386 | — |
| Georgia | 10 | 8.515% | $5,422 | — |
| Arkansas | 9 | 8.610% | $3,758 | — |
| Michigan | 9 | 8.520% | $3,435 | — |
| Kentucky | 7 | 9.200% | $3,338 | — |
| Washington | 7 | 8.480% | $17,064 | — |
| Pennsylvania | 5 | 8.810% | $2,927 | — |
| Tennessee | 5 | 8.930% | $4,955 | — |
| California | 4 | 8.880% | $10,264 | — |
| Indiana | 4 | 10.130% | $3,310 | — |
| Missouri | 4 | 10.270% | $3,439 | — |
| Oregon | 4 | 8.795% | $13,452 | — |
| Wyoming | 4 | 8.665% | $5,829 | — |
| Arizona | 3 | 8.520% | $5,849 | — |
| Ohio | 3 | 9.200% | $3,310 | — |
| Idaho | 2 | 8.700% | $10,307 | — |
| Kansas | 2 | 8.765% | $5,360 | — |
| Montana | 2 | 8.710% | $15,226 | — |
| New Mexico | 2 | 9.215% | $7,918 | — |
| Virginia | 2 | 8.780% | $6,561 | — |
| West Virginia | 2 | 8.325% | $5,527 | — |
| Colorado | 1 | 8.810% | $7,522 | — |
| Iowa | 1 | 8.550% | $2,400 | — |
| Illinois | 1 | 8.110% | $3,384 | — |
| Maryland | 1 | 8.280% | $5,149 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,359 | 7.560% | — | 3 | −$2,135 | |
| 2 | $2,840 | 10.130% | — | 4 | −$1,654 | |
| 3 | $3,020 | 8.440% | — | 4 | −$1,474 | |
| 4 | $4,005 | 8.450% | — | 3 | −$489 | |
| 5 | $5,315 | 7.990% | — | 3 | +$821 | |
| 6 | $5,322 | 10.660% | — | 4 | +$828 | |
| 7 | $5,385 | 7.850% | — | 3 | +$891 | |
| 8 | $5,713 | 8.050% | — | 3 | +$1,219 | |
| 9 | $5,760 | 8.270% | — | 4 | +$1,266 | |
| 10 | $6,374 | 9.100% | — | 3 | +$1,880 | |
| 11 | $6,934 | 8.595% | — | 4 | +$2,440 | |
| 12 | $7,035 | 7.550% | — | 3 | +$2,541 | |
| 13 | $7,542 | 9.280% | — | 3 | +$3,048 | |
| 14 | $8,033 | 8.200% | — | 3 | +$3,539 | |
| 15 | $8,092 | 8.810% | — | 3 | +$3,598 | |
| 16 | $8,275 | 8.810% | — | 3 | +$3,781 | |
| 17 | $8,626 | 10.660% | — | 3 | +$4,132 | |
| 18 | $8,669 | 7.360% | — | 3 | +$4,175 | |
| 19 | $11,302 | 8.580% | — | 4 | +$6,808 | |
| 20 | $14,344 | 9.260% | — | 3 | +$9,850 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Triad Financial Services, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $155,000 | $335,000 | −$180,000 (−53.7%) |
| Median total closing costs | $4,494 | $7,127 | −$2,633 (−36.9%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.