What loan types does T2 Financial offer?

T2 Financial offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does T2 Financial offer mortgages?

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

How competitive are T2 Financial's mortgage rates?

T2 Financial has an overall pricing score of 25.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is T2 Financial?

T2 Financial is a Independent Mortgage Company headquartered in CINCINNATI, OH.

Unclaimed

T2 Financial

Independent Mortgage Company•Cincinnati, OHHQ•Direct•Reviews near you on Google

We analyzed every closed loan from T2 Financial — 7.1k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

T2 Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+47.1 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	4,265	60.4%	+0.450%Above	$2,910Fees
FHA Loans	Strong	Exceptional	Acceptable	Exceptional	1,941	27.5%	+0.695%Above	$3,481Fees
VA Loans	Strong	Exceptional	Acceptable	Exceptional	656	9.3%	-0.082%Below	$3,187Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	89	1.3%	+0.377%Above	$2,008Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	106	1.5%	+0.354%Above	$2,544Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,265

Mix60.4%

Spread

+0.450%Above

Fees

$2,910Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume1,941

Mix27.5%

Spread

+0.695%Above

Fees

$3,481Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume656

Mix9.3%

Spread

-0.082%Below

Fees

$3,187Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume89

Mix1.3%

Spread

+0.377%Above

Fees

$2,008Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume106

Mix1.5%

Spread

+0.354%Above

Fees

$2,544Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	6,561	93.0%	+0.486%Above	$3,182Fees
Refinance	Strong	Strong	Acceptable	Strong	496	7.0%	+0.298%Above	$1,677Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume6,561

Mix93.0%

Spread

+0.486%Above

Fees

$3,182Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume496

Mix7.0%

Spread

+0.298%Above

Fees

$1,677Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

7,057

Applications

9,172

Volume

$2 billion

Pricing & Closing

Avg Rate Spread

+0.471%

vs. market APOR

Avg Net Fees

$3,069

Origination − Credits

Pullthrough Rate

76.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$338,891

Avg Borrower Income

$143,887

Avg Property Value

$417,942

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast7

CTMEMANHNJPARI

Midwest10

IAILINKSMIMNMONEOHWI

South17

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVAWV

West11

AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Fredlyfish4 · CC BY-SA 3.0

Lubbock, TXMetro

Volume 480Mix 6.80% of portfolio

91/100

Exceptional

2© James Willamor · CC BY-SA 3.0

Myrtle Beach, SCMetro

Volume 244Mix 3.46% of portfolio

83/100

Exceptional

3© 归零者 · CC BY-SA 4.0

Columbus, OHMetro

Volume 299Mix 4.24% of portfolio

79/100

Strong

Houston, TXMetro

Volume 498Mix 7.06% of portfolio

78/100

Strong

San Angelo, TXMetro

Volume 81Mix 1.15% of portfolio

78/100

Strong

Hilton Head Island, SCMetro

Volume 101Mix 1.43% of portfolio

76/100

Strong

Lewiston, MEMetro

Volume 58Mix 0.82% of portfolio

76/100

Strong

Norwich, CTMetro

Volume 60Mix 0.85% of portfolio

75/100

Strong

Allentown, PA-NJMetro

Volume 107Mix 1.52% of portfolio

74/100

Strong

Waterbury, CTMetro

Volume 77Mix 1.09% of portfolio

71/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 1,478Mix 20.94% of portfolio

81/100

Exceptional

South CarolinaState

Volume 468Mix 6.63% of portfolio

79/100

Strong

ConnecticutState

Volume 390Mix 5.53% of portfolio

78/100

Strong

KentuckyState

Volume 294Mix 4.17% of portfolio

75/100

Strong

OhioState

Volume 552Mix 7.82% of portfolio

74/100

Strong

North CarolinaState

Volume 474Mix 6.72% of portfolio

71/100

Strong

WashingtonState

Volume 262Mix 3.71% of portfolio

71/100

Strong

IllinoisState

Volume 337Mix 4.78% of portfolio

71/100

Strong

MaineState

Volume 136Mix 1.93% of portfolio

68/100

Strong

VirginiaState

Volume 215Mix 3.05% of portfolio

68/100

Strong

Showing 10 of 35 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of T2 Financial?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.