Lender in North Carolina · HMDA 2025
T2 Financial LLC mortgages in North Carolina
T2 Financial LLC's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
T2 Financial LLC originated 573 owner-occupied single-family loans in North Carolina from 647 completed applications.
Its median conventional purchase loan costs were $5,420 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.75% (North Carolina: 6.50%).
Loans in NC
573
of 647 applications
Denial rate
3.7%
Purchase · NC 7.6%
Rate spread
+0.36 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 591 | 529 | 3.7% | 6.750% | +0.36 pts | $5,420 | $315,000 |
| Refinance | 44 | 34 | 9.1% | 6.490% | +0.06 pts | $4,770 | $325,000 |
| Cash-out refinance | 12 | 10 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where T2 Financial LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Wilson County | 4 | 50 | 5.2% |
| Yancey County | 7 | 4 | 2.4% |
| Onslow County | 13 | 86 | 1.7% |
| Pender County | 17 | 24 | 1.7% |
| Madison County | 18 | 3 | 1.6% |
| Gates County | 18 | 2 | 1.9% |
| Pamlico County | 18 | 2 | 1.2% |
| Lenoir County | 19 | 6 | 1.2% |
| Bertie County | 25 | 1 | 1.3% |
| Mitchell County | 25 | 1 | 0.7% |
- T2 Financial LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology