Lender in Kentucky · HMDA 2025
T2 Financial LLC mortgages in Kentucky
T2 Financial LLC's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
T2 Financial LLC originated 523 owner-occupied single-family loans in Kentucky from 584 completed applications, making it the state's #24 lender by volume.
Its median conventional purchase loan costs were $5,120 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
523
of 584 applications
Denial rate
4.3%
Purchase · KY 8.2%
Rate spread
+0.20 pts
Conv. · KY +0.21 pts
Loan amount
$255,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 563 | 505 | 4.3% | 6.625% | +0.20 pts | $5,120 | $255,000 |
| Refinance | 12 | 10 | — | — | — | — | — |
| Cash-out refinance | 9 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where T2 Financial LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 33.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Madison County | 1 | 149 | 10.1% |
| Estill County | 2 | 11 | 9.2% |
| Lincoln County | 3 | 16 | 6.4% |
| Rockcastle County | 4 | 6 | 6.0% |
| Menifee County | 4 | 4 | 6.7% |
| Boyle County | 5 | 17 | 4.3% |
| Garrard County | 5 | 17 | 6.2% |
| Jackson County | 6 | 3 | 4.4% |
| Mercer County | 8 | 16 | 4.8% |
| Harlan County | 8 | 4 | 3.7% |
| Franklin County | 9 | 16 | 2.2% |
| Bourbon County | 10 | 5 | 2.2% |
| Knox County | 10 | 5 | 3.3% |
| Casey County | 10 | 2 | 2.7% |
| Washington County | 11 | 3 | 2.8% |
| Fayette County | 12 | 76 | 2.1% |
| Gallatin County | 12 | 2 | 2.4% |
| Lee County | 12 | 1 | 3.6% |
| Jessamine County | 13 | 15 | 1.8% |
| Clark County | 13 | 13 | 2.4% |
| Anderson County | 14 | 6 | 1.6% |
| Perry County | 14 | 2 | 2.0% |
| Scott County | 16 | 18 | 1.5% |
| McCreary County | 16 | 2 | 1.3% |
| Montgomery County | 17 | 5 | 1.4% |
| Pulaski County | 21 | 7 | 1.1% |
| Pike County | 21 | 2 | 0.8% |
| Bath County | 21 | 1 | 1.1% |
| Woodford County | 22 | 4 | 1.1% |
| Green County | 23 | 1 | 1.1% |
- T2 Financial LLC nationwide
- Kentucky mortgage market
- T2 Financial LLC in Texas
- T2 Financial LLC in Florida
- T2 Financial LLC in North Carolina
- T2 Financial LLC in Ohio
- T2 Financial LLC in Connecticut
- T2 Financial LLC in South Carolina
- T2 Financial LLC in Virginia
- T2 Financial LLC in Illinois
- T2 Financial LLC in Arkansas
- T2 Financial LLC in Pennsylvania
- T2 Financial LLC in Oklahoma
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology