Lenders › T2 Financial LLC › Missouri
T2 Financial LLC in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
T2 Financial LLC's 2024 HMDA record for Missouri covers 122 applications, 93 of them originated, worth $31m.
Its denial rate in the state was 3.6%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 6.6%.
The median rate spread on its Missouri originations was 0.7 percentage points (state median 0.4).
Applications in the state were up 61% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | T2 Financial LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.6% | 19.9% | 6.6% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.2% | 14.1% | 6.5% | 15.6% |
| Average originated loan | $336k | $231k | $329k | $329k |
| Home purchase share | 94.6% | 58.6% | 90.7% | 57.0% |
| FHA-insured share | 21.5% | 12.8% | 28.9% | 13.4% |
| VA-guaranteed share | 4.3% | 8.2% | 9.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 95% (88)Refinancing 4% (4)Cash-out refinancing 1% (1)
By type
Conventional 73% (68)FHA 22% (20)VA 4% (4)USDA 1% (1)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 43 | 36 | $12m | 0.0% |
| St. Charles County | 28 | 14 | $6.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did T2 Financial LLC originate in Missouri in 2024?
93 loans totalling $31m, from 122 applications reported for properties in Missouri.
What is T2 Financial LLC's denial rate in Missouri?
3.6% of decided applications in Missouri were denied, against 19.9% for all lenders in the state and 6.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Missouri counties does T2 Financial LLC lend in most?
By originations: Jackson County (36), St. Charles County (14).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Missouri. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.