T2 Financial in Texas vs the state
3.2%Denial rate-16.20 pts vs state
3.7%Decision denial rate-21.22 pts vs state
80.4%Origination rate+25.48 pts vs state
6.50%Median rate0.00 pts vs state
0.30Rate spread (pts)+0.11 pts vs state
$105kMedian applicant income
1,195Loans originated
48Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,215 | 1,692 | 5.4% | 6.75% | #82 |
| 2024 | 2,007 | 1,554 | 4.8% | 6.63% | #92 |
| 2025 | 1,487 | 1,195 | 3.2% | 6.50% | #132 |
What T2 Financial lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 680 | 567 | 10 | 1.5% |
| Tom Green County | 165 | 125 | 6 | 3.6% |
| Harris County | 92 | 71 | 7 | 7.6% |
| Montgomery County | 48 | 35 | 3 | 6.3% |
| Taylor County | 40 | 33 | 1 | 2.5% |
| Dallas County | 37 | 26 | 2 | 5.4% |
| Jefferson County | 28 | 22 | 0 | 0.0% |
| Denton County | 26 | 17 | 1 | 3.8% |
| Collin County | 24 | 18 | 0 | 0.0% |
| Gregg County | 24 | 22 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,487 applications in 2025, of which 1,195 were originated and 48 denied.
3.2% of all applications, or 3.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans T2 Financial originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are T2 Financial's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology