Applications / Mortgage Analytics / Lenders / Ohio / T2 Financial
Delaware, OH · Independent non-bank lender · CFPB · 9,307 loans in 2025
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9,307
loans originated, 2025
12,022
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
T2 Financial is a purchase lender that has grown every year since 2023 to 9,307 loans, and ranks 3 of 341 lenders in Lubbock, TX.
Originations rose 19% from 7,840, against 14% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. It first reported in 2018 with 99 loans and has grown from 5,378 in 2023. Home purchases made up 85.5% of its lending.
In Lubbock, TX it ranks 3 of 341 lenders, with an 8.5% share, up from 7.8%, behind Texas Tech Federal Credit Union and Alliance Credit Union. Its share also rose in Hartford-West Hartford-East Hartford, CT to 0.5% from 0.3%, and in Columbus, OH to 0.7% from 0.6%. Texas is its main state.
Higher-priced loans (a rate well above the average for similar loans) fell to 3.6% from 6.0%, the same as similar lenders. Its refinance denial rate, 10.1%, was lower than 12.5%, and its purchase denial rate, 6.0%, near the 5.9% at similar lenders.
It made 20.3% of its loans in majority-minority areas, against 25.7%, fewer than about four in five similar lenders, though up from 8.3% five years before. The markets it serves, such as Lubbock and Columbus, may account for some of this. Its LMI (low- and moderate-income) borrower share, 27.9%, was near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. T2 Financial took 12,022 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.5% · Refinance 12.7% · Other 1.2% · Home improvement 0.5%
Conventional 61.3% · FHA 27.8% · VA 9.4% · USDA (RHS or FSA) 1.4% · of 9,307 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,195 | 12.8% |
| Florida | 869 | 9.3% |
| North Carolina | 762 | 8.2% |
| Ohio | 610 | 6.6% |
| Kentucky | 592 | 6.4% |
| South Carolina | 592 | 6.4% |
| Connecticut | 447 | 4.8% |
| Virginia | 334 | 3.6% |
| Illinois | 302 | 3.2% |
| Arkansas | 278 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 581 |
| Myrtle Beach-Conway-North Myrtle Beach | 366 |
| Columbus | 360 |
| Chicago-Naperville-Schaumburg | 233 |
| Virginia Beach-Chesapeake-Norfolk | 173 |
| Little Rock-North Little Rock-Conway | 155 |
| Fort Lauderdale-Pompano Beach-Sunrise | 154 |
| Tulsa | 150 |
| Worcester | 148 |
| Kansas City | 138 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GTVXJ2PGXNLM73 | 2018–2025 |
Established 1 August 2018. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: T2 Financial's data.
T2 Financial's data
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