# T2 FINANCIAL LLC

> **Canonical URL:** https://saferate.com/lenders/t2-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


T2 FINANCIAL LLC is a independent mortgage company, headquartered in CINCINNATI, OH, serving borrowers nationwide, with 7,057 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 14% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GTVXJ2PGXNLM73
- **Headquarters:** CINCINNATI, OH
- **Geographic Reach:** National
- **States Served:** 45
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.471%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,069
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 7,057
- **Dollar Volume:** $2.4 billion
- **Applications Received:** 9,172
- **Market Share:** 20.00%

## Typical Borrower Profile

- **Average Loan Amount:** $338,891
- **Average Borrower Income:** $143,887
- **Average Property Value:** $417,942

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 4,265 | +0.450% | $2,910 | Exceptional 🤩 |
| FHA | 88/100 | 1,941 | +0.695% | $3,481 | Exceptional 🤩 |
| VA | 84/100 | 656 | -0.082% | $3,187 | Exceptional 🤩 |
| Jumbo | 75/100 | 89 | +0.377% | $2,008 | Strong 😀 |
| USDA | 86/100 | 106 | +0.354% | $2,544 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,868 loans, Score: 86/100 (Exceptional)
- Refinance: 397 loans, Score: 73/100 (Strong)

**FHA:**
- Purchase: 1,873 loans, Score: 88/100 (Exceptional)
- Refinance: 68 loans, Score: 51/100 (Sound)

**VA:**
- Purchase: 635 loans, Score: 84/100 (Exceptional)
- Refinance: 21 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 80 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 105 loans, Score: 86/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 6,561 | $2.2B | +0.486% | Exceptional 🤩 |
| Refinance | 74/100 | 496 | $186M | +0.298% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,478 | 0.42% | 81/100 |
| OH | 552 | 0.41% | 74/100 |
| NC | 474 | 0.32% | 71/100 |
| SC | 468 | 0.58% | 79/100 |
| FL | 457 | 0.16% | 67/100 |
| CT | 390 | 1.13% | 78/100 |
| IL | 337 | 0.27% | 71/100 |
| KY | 294 | 0.63% | 75/100 |
| WA | 262 | 0.31% | 71/100 |
| VA | 215 | 0.20% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 936 | 75/100 |
| Houston | TX | 498 | 78/100 |
| Lubbock, TX | TX | 480 | 91/100 |
| Columbus, OH | OH | 299 | 79/100 |
| Chicago | IL | 276 | 71/100 |
| Myrtle Beach | SC | 244 | 83/100 |
| Kansas City, MO | MO-KS | 156 | 66/100 |
| Virginia Beach | VA-NC | 132 | 68/100 |
| Cincinnati, OH |  | 124 | 68/100 |
| Raleigh | NC | 108 | 66/100 |
| Allentown | PA-NJ | 107 | 74/100 |
| Hilton Head Island | SC | 101 | 76/100 |
| Dallas | TX | 97 | 60/100 |
| Memphis, TN |  | 81 | 63/100 |
| San Angelo, TX | TX | 81 | 78/100 |

## Where This Lender Ranks

T2 FINANCIAL LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Lubbock, TX for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Lubbock, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Lubbock, TX for USDA Loans
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Lubbock, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Lubbock, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Lubbock, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lubbock-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#4** in Hilton Head Island for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#4** in San Angelo, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in San Angelo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Little Rock for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/little-rock/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in San Angelo, TX
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders)
- 🏆 **#5** in San Angelo, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#5** in San Angelo, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Beckley, WV for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/beckley-wv/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Kansas City, MO for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in San Angelo, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Muskegon for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/muskegon/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Lewiston Mortgage Companies
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Lewiston for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lewiston/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Longview, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/longview-tx/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does T2 FINANCIAL LLC offer?

T2 FINANCIAL LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does T2 FINANCIAL LLC offer mortgages?

T2 FINANCIAL LLC is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are T2 FINANCIAL LLC's mortgage rates?

T2 FINANCIAL LLC has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.471% above market average.

### What type of lender is T2 FINANCIAL LLC?

T2 FINANCIAL LLC is a non-depository lender that specializes in mortgage origination, headquartered in CINCINNATI, OH.

### What is T2 FINANCIAL LLC's loan approval success rate?

T2 FINANCIAL LLC has a pull-through score of 86/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/t2-financial

### How to Cite

> "T2 FINANCIAL LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/t2-financial

---

**[View Interactive Profile →](https://saferate.com/lenders/t2-financial)**