Lender in Texas · HMDA 2025
T2 Financial LLC mortgages in Texas
T2 Financial LLC's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
T2 Financial LLC originated 1,056 owner-occupied single-family loans in Texas from 1,150 completed applications.
Its median conventional purchase loan costs were $5,860 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,056
of 1,150 applications
Denial rate
3.4%
Purchase · TX 10.2%
Rate spread
+0.26 pts
Conv. · TX +0.09 pts
Loan amount
$255,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,085 | 1,001 | 3.4% | 6.625% | +0.26 pts | $5,860 | $255,000 |
| Refinance | 45 | 37 | 6.7% | 6.375% | +0.09 pts | $5,000 | $385,000 |
| Cash-out refinance | 20 | 18 | 5.0% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Texas counties where T2 Financial LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lubbock County | 2 | 517 | 11.9% |
| Kent County | 2 | 2 | 40.0% |
| Tom Green County | 3 | 119 | 7.8% |
| Irion County | 3 | 1 | 12.5% |
| Hale County | 4 | 16 | 8.1% |
| Morris County | 4 | 8 | 6.2% |
| Concho County | 5 | 1 | 6.3% |
| Crosby County | 6 | 2 | 6.5% |
| Hockley County | 7 | 8 | 4.0% |
| Upshur County | 9 | 14 | 3.0% |
| Knox County | 10 | 1 | 4.8% |
| Titus County | 11 | 6 | 2.7% |
| Floyd County | 11 | 1 | 5.0% |
| Bailey County | 12 | 1 | 3.5% |
| Baylor County | 12 | 1 | 3.6% |
| Gregg County | 13 | 21 | 1.6% |
| Cass County | 13 | 5 | 2.1% |
| Terry County | 13 | 2 | 2.9% |
| Brewster County | 13 | 1 | 1.7% |
| Yoakum County | 17 | 1 | 2.0% |
| Callahan County | 18 | 3 | 1.5% |
| Dallam County | 18 | 1 | 2.0% |
| Rusk County | 19 | 5 | 1.0% |
| Refugio County | 20 | 1 | 1.9% |
| Taylor County | 21 | 27 | 1.1% |
| Lynn County | 21 | 1 | 1.5% |
| Lamb County | 22 | 1 | 1.3% |
- T2 Financial LLC nationwide
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology