T2 Financial LLC mortgage approval rate & lending review
T2 Financial LLC decided 21,193 mortgage applications and funded 17,782 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions T2 Financial LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
T2 Financial LLC at a glance
Approval is 7.1 points above the 86.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 16,071 / 17,130 | 90% | $285K | 14,514 |
| Home improvement loans | 84% | 43 / 51 | 95% | $205K | 41 |
| Cash-out refinance | 86% | 577 / 674 | 90% | $235K | 518 |
| Refinance | 90% | 940 / 1,049 | 90% | $435K | 843 |
| Investment property purchase | 93% | 1,630 / 1,759 | 90% | $195K | 1,468 |
| Investment cash-out refinance | 88% | 279 / 318 | 88% | $175K | 246 |
| Investment refinance | 84% | 136 / 162 | 84% | $255K | 114 |
| Investment home improvement | 88% | 44 / 50 | 86% | $145K | 38 |
T2 Financial LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 95% | $265K | 4,367 | 3,765 |
| Ohio | 93% | $275K | 1,938 | 1,598 |
| Florida | 90% | $335K | 1,871 | 1,491 |
| South Carolina | 92% | $245K | 1,521 | 1,270 |
| North Carolina | 93% | $295K | 1,399 | 1,164 |
| Illinois | 94% | $355K | 1,063 | 900 |
| Pennsylvania | 91% | $275K | 787 | 652 |
| Connecticut | 93% | $325K | 765 | 644 |
| Washington | 94% | $475K | 762 | 641 |
| Maryland | 93% | $395K | 542 | 461 |
| Maine | 91% | $285K | 475 | 379 |
| Louisiana | 88% | $235K | 458 | 340 |
| Massachusetts | 94% | $595K | 443 | 396 |
| Virginia | 98% | $345K | 406 | 373 |
| Arizona | 95% | $285K | 386 | 323 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where T2 Financial LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lubbock County, TX | Mortgage lenders | 98% | 1,182 | 1,110 |
| Harris County, TX | Mortgage lenders | 94% | 1,012 | 831 |
| Franklin County, OH | Mortgage lenders | 94% | 667 | 565 |
| Horry County, SC | Mortgage lenders | 93% | 638 | 540 |
| Cook County, IL | Mortgage lenders | 94% | 544 | 453 |
| Tom Green County, TX | Mortgage lenders | 96% | 317 | 277 |
| Horry County, SC | Investment property purchase | 91% | 310 | 264 |
| Montgomery County, TX | Mortgage lenders | 96% | 238 | 206 |
| Johnson County, KS | Mortgage lenders | 100% | 213 | 205 |
| Wake County, NC | Mortgage lenders | 97% | 234 | 204 |
| Pierce County, WA | Mortgage lenders | 95% | 214 | 175 |
| Broward County, FL | Mortgage lenders | 88% | 208 | 165 |
The county markets where T2 Financial LLC made the most loans. Each link opens that market with every lender ranked.
Questions about T2 Financial LLC
What is T2 Financial LLC's mortgage approval rate?
T2 Financial LLC approved 93.0% of the 21,193 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points above the 86.0% national rate for the same mix of loan types.
How often do borrowers take the loan T2 Financial LLC offers?
Borrowers accepted 90% of the loans T2 Financial LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does T2 Financial LLC make?
The typical home purchase mortgage loan T2 Financial LLC made was $285K; across all loan types its typical loan ran from $145K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does T2 Financial LLC lend?
T2 Financial LLC decided applications in 47 of the states Fat Boy Data covers, most of them in Texas, Ohio and Florida.
Can I apply to T2 Financial LLC directly?
Yes. T2 Financial LLC reports as a direct lender that takes applications from borrowers.
Does this page show T2 Financial LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how T2 Financial LLC treats applications, then get a rate quote from the lender.