T2 FINANCIAL LLC

9,307 mortgages originated in 2025 across 27 states, and what they cost borrowers.

Loans originated

9,307

Median rate

6.625%

Median lender fees

$7,543

Median loan amount

$285,000

Median spread over APOR

0.399

Paid discount points

54.3%

Received lender credits

44.8%

Purchases / refinances

85.5% / 12.7%

Conventional / FHA / VA

61.3% / 27.8% / 9.4%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 94.4% of loans here — see methodology.

Where T2 FINANCIAL LLC lent

States with at least 50 loans in 2025, ranked by volume.