T2 Financial LLC Mortgage Lending & HMDA Data, 2019
In 2019, T2 Financial LLC of Westerville, OH reported 1,784 mortgage applications totaling $361.0 million, up 1339% from 2018. The average application was for $202,365, and applicants reported an average income of $81,539. 83% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Columbus, OH (1,147), Cleveland-Elyria, OH (95) and Dayton-Springfield-Kettering, OH (60) (applications in parentheses).
| Mortgage Company & Address | T2 Financial LLC 480 Olde Worthington Rd Suite 300 Westerville, OH 43082 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 1,784 |
| Total Mortgage Loan Application Amount | $361,020,000 |
| Average Mortgage Loan Application Amount | $202,365 |
| Highest Mortgage Loan Application Amount | $895,000 |
| Average Applicant Income | $81,539 |
| Highest Applicant Income | $632,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records T2 Financial LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Columbus, OH | 1,147 | $ 232,515,000 | $ 202,715 | $ 82,000 |
| Outside any metro area | 106 | $ 17,380,000 | $ 163,962 | $ 68,905 |
| Cleveland-Elyria, OH | 95 | $ 15,815,000 | $ 166,473 | $ 84,000 |
| Dayton-Springfield-Kettering, OH | 60 | $ 9,580,000 | $ 159,666 | $ 70,000 |
| Cincinnati, OH-KY-IN | 50 | $ 11,210,000 | $ 224,200 | $ 88,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 43 | $ 10,465,000 | $ 243,372 | $ 82,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 39 | $ 7,685,000 | $ 197,051 | $ 90,000 |
| Pittsburgh, PA | 39 | $ 7,305,000 | $ 187,307 | $ 91,000 |
| Baltimore-Columbia-Towson, MD | 37 | $ 8,855,000 | $ 239,324 | $ 77,000 |
| Akron, OH | 23 | $ 3,765,000 | $ 163,695 | $ 66,000 |
| Springfield, OH | 18 | $ 2,490,000 | $ 138,333 | $ 72,000 |
| Youngstown-Warren-Boardman, OH-PA | 11 | $ 1,325,000 | $ 120,454 | $ 61,000 |
| North Port-Sarasota-Bradenton, FL | 10 | $ 2,640,000 | $ 264,000 | $ 57,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 2,275,000 | $ 252,777 | $ 117,000 |
| Madera, CA | 7 | $ 1,945,000 | $ 277,857 | $ 87,000 |
| Canton-Massillon, OH | 6 | $ 940,000 | $ 156,666 | $ 68,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 1,390,000 | $ 231,666 | $ 91,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 2,110,000 | $ 351,666 | $ 100,166 |
| Denver-Aurora-Lakewood, CO | 4 | $ 1,400,000 | $ 350,000 | $ 93,000 |
| Mansfield, OH | 4 | $ 430,000 | $ 107,500 | $ 39,000 |
| Toledo, OH | 4 | $ 510,000 | $ 127,500 | $ 48,000 |
| Anaheim-Santa Ana-Irvine, CA | 3 | $ 1,355,000 | $ 451,666 | $ 135,000 |
| Bakersfield, CA | 3 | $ 975,000 | $ 325,000 | $ 115,000 |
| Fresno, CA | 3 | $ 1,015,000 | $ 338,333 | $ 55,000 |
| Wheeling, WV-OH | 3 | $ 555,000 | $ 185,000 | $ 96,666 |
| Austin-Round Rock, TX | 2 | $ 520,000 | $ 260,000 | $ 134,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 540,000 | $ 270,000 | $ 130,000 |
| Lancaster, PA | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| Lima, OH | 2 | $ 260,000 | $ 130,000 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 520,000 | $ 260,000 | $ 63,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 570,000 | $ 285,000 | $ 120,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 470,000 | $ 235,000 | $ 257,000 |
| Punta Gorda, FL | 2 | $ 700,000 | $ 350,000 | $ 95,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 1,090,000 | $ 545,000 | $ 178,000 |
| San Diego-Carlsbad, CA | 2 | $ 1,340,000 | $ 670,000 | $ 139,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 1,080,000 | $ 540,000 | $ 134,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 870,000 | $ 435,000 | $ 136,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 140,000 | $ 70,000 | $ 38,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Bremerton-Silverdale, WA | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Chicago-Naperville, IL | 1 | $ 415,000 | $ 415,000 | $ 207,000 |
| Clarksville, TN-KY | 1 | $ 135,000 | $ 135,000 | $ 53,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 375,000 | $ 375,000 | $ 190,000 |
| Dallas-Plano-Irving, TX | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Fort Collins, CO | 1 | $ 375,000 | $ 375,000 | $ 84,000 |
| Fort Wayne, IN | 1 | $ 365,000 | $ 365,000 | $ 100,000 |
| Jacksonville, FL | 1 | $ 245,000 | $ 245,000 | $ 164,000 |
| Kalamazoo-Portage, MI | 1 | $ 215,000 | $ 215,000 | $ 80,000 |
| Longview, WA | 1 | $ 305,000 | $ 305,000 | $ 46,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 305,000 | $ 305,000 | $ 130,000 |
| Midland, TX | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 365,000 | $ 365,000 | $ 116,000 |
| Parkersburg-Vienna, WV | 1 | $ 75,000 | $ 75,000 | $ 19,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 475,000 | $ 475,000 | $ 176,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 895,000 | $ 895,000 | $ 170,000 |
| Sebring, FL | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 265,000 | $ 265,000 | $ 65,000 |
| Spokane-Spokane Valley, WA | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Tallahassee, FL | 1 | $ 155,000 | $ 155,000 | $ 25,000 |
Mortgage Loan Application Detail Totals for T2 Financial LLC in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,410 | $273,590,000 | $194,000 | $595,000 | $80,000 | $632,000 |
| Refinancing | 228 | $55,780,000 | $244,000 | $895,000 | $85,000 | $334,000 |
| Cash-out Refinancing | 146 | $31,650,000 | $216,000 | $845,000 | $91,000 | $361,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,299 | $273,105,000 | $210,000 | $895,000 | $89,000 | $632,000 |
| Black or African American | 209 | $36,485,000 | $174,000 | $555,000 | $61,000 | $174,000 |
| Asian | 172 | $31,190,000 | $181,000 | $535,000 | $59,000 | $236,000 |
| Hispanic | 60 | $11,240,000 | $187,000 | $475,000 | $70,000 | $176,000 |
| Not Provided | 26 | $5,620,000 | $216,000 | $485,000 | $98,000 | $282,000 |
| Not applicable | 11 | $2,275,000 | $206,000 | $415,000 | $61,000 | $176,000 |
| American Indian or Alaskan Native | 3 | $485,000 | $161,000 | $185,000 | $49,000 | $57,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,140 | $242,460,000 | $212,000 | $895,000 | $92,000 | $632,000 |
| FHA-insured (Federal Housing Administration) | 485 | $83,715,000 | $172,000 | $425,000 | $63,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 132 | $30,300,000 | $229,000 | $555,000 | $64,000 | $213,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $4,545,000 | $168,000 | $315,000 | $58,000 | $83,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,476 | $303,210,000 | $205,000 | $895,000 | $83,000 | $558,000 |
| Application Withdrawn By Applicant | 196 | $37,320,000 | $190,000 | $695,000 | $75,000 | $334,000 |
| File Closed For Incompleteness | 60 | $12,400,000 | $206,000 | $845,000 | $91,000 | $632,000 |
| Application Denied By Financial Institution | 52 | $8,090,000 | $155,000 | $405,000 | $57,000 | $153,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,732 | $352,930,000 | $203,000 | $895,000 | $82,000 | $632,000 |
| Credit History | 37 | $5,725,000 | $154,000 | $405,000 | $56,000 | $147,000 |
| Debt-To-Income Ratio | 6 | $880,000 | $146,000 | $275,000 | $51,000 | $110,000 |
| Employment History | 4 | $730,000 | $182,000 | $215,000 | $39,000 | $66,000 |
| Collateral | 4 | $560,000 | $140,000 | $185,000 | $60,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $195,000 | $195,000 | $195,000 | $153,000 | $153,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into T2 Financial LLC's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess T2 Financial LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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