Applications / Mortgage Analytics / Lenders / Florida / Triad Financial Services
Jacksonville, FL · Independent non-bank lender · CFPB · 14,580 loans in 2025
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14,580
loans originated, 2025
92,816
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Triad Financial Services is a manufactured-home purchase lender with small loans, much of them to LMI borrowers, and it has grown steadily since 2018.
Manufactured homes were 99.9% of its 2025 loans, against 2.2% for similar lenders (independent non-bank lenders making between half and twice as many loans). Purchases were 99.5%, all loans were conventional, and its typical loan was $95,000 against $285,000 for peers, so its 14,580 loans came to only $1.63 billion.
57.5% of its loans went to LMI (low- and moderate-income) borrowers, higher than nearly all similar lenders, whose typical share was 30.1%, and 28.8% were in LMI areas, against 21.2% for peers.
96.2% of its loans were higher-priced (a rate well above the average for similar loans) and its typical rate was 8.73%, against 4.5% and 6.62% for peers. Manufactured-home loans, which it makes almost exclusively, are commonly priced above loans on site-built homes, which could account for most of the difference.
Originations rose 14%, close to similar lenders' 17% and above the whole market's 10%, and have risen most years since 4,600 in 2018. It entered Carson City and Reno in 2025.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Triad Financial Services took 92,816 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.5% · Refinance 0.5%
Conventional 100.0% · of 14,580 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,321 | 15.9% |
| California | 1,644 | 11.3% |
| Michigan | 1,245 | 8.5% |
| Mississippi | 1,014 | 7.0% |
| Florida | 774 | 5.3% |
| Louisiana | 606 | 4.2% |
| Alabama | 587 | 4.0% |
| Pennsylvania | 553 | 3.8% |
| Washington | 550 | 3.8% |
| Oregon | 426 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 354 |
| Riverside-San Bernardino-Ontario | 343 |
| Grand Rapids-Wyoming-Kentwood | 326 |
| Austin-Round Rock-San Marcos | 305 |
| San Antonio-New Braunfels | 294 |
| Warren-Troy-Farmington Hills | 270 |
| Los Angeles-Long Beach-Glendale | 202 |
| Phoenix-Mesa-Chandler | 201 |
| Portland-Vancouver-Hillsboro | 191 |
| San Diego-Chula Vista-Carlsbad | 161 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CB67L6KPJLHE19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4320902 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7591515932 |
Established 1 February 1974. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Triad Financial Services's data.
Triad Financial Services's data
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Triad Financial Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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