T2 Financial Mortgage Rates, Fees & Info

COLUMBUS, OH

LEI: 549300GTVXJ2PGXNLM73

Tax ID: 82-3060879

1.6 stars - Updated: 2/26/24 - out of 5 stars, based on 82 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

T2 Financial is a small mortgage company specializing in Home Purchase loans. T2 Financial has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Columbus, Myrtle Beach, Chicago, and Cincinnati among others. We have data for 326 markets. (Some data included below & more in-depth data is available with an active subscription.)

T2 Financial has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. T2 Financial is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.90% 2/26/24
30 Year Conventional Refi 6.51% 2/26/24
30 Year Cash-out Refi 6.79% 2/26/24
30 Year FHA Purchase 7.78% 2/26/24
30 Year FHA Refi 7.23% 2/26/24
30 Year VA Purchase 6.52% 2/26/24
30 Year VA Refi 6.07% 2/26/24
30 Year USDA Purchase 7.08% 2/26/24
30 Year USDA Refi 6.27% 2/26/24
15 Year Conventional Purchase 6.35% 2/26/24
15 Year Conventional Refi 5.91% 2/26/24
15 Year Cash-out Refi 5.91% 2/26/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

T2 Financial Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from T2 Financial. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

6,765

Origination Dollar Volume (All Markets)

$1,940,935,000
Show all (13) awards

Relative Rate

T2 Financial's average 30 year fixed mortgage rate was 5.24%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.48%.

Relative Fees (Closing Costs)

T2 Financial's average total fees/closing costs for a 30 year fixed rate mortgage were $8,421.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 848 $241,290,000 $284,540 $9,258 5.34%
COLUMBUS, OH (FHA|USDA|VA) 849 $222,605,000 $262,197 $6,810 5.25%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 436 $104,280,000 $239,174 $7,545 5.28%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 265 $84,835,000 $320,132 $9,178 4.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 239 $60,335,000 $252,448 $8,671 5.14%
RALEIGH-CARY, NC (FHA|USDA|VA) 159 $55,075,000 $346,384 $7,199 4.99%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 156 $53,180,000 $340,897 $10,206 5.37%
Outside of Metro Areas 241 $52,845,000 $219,274 $8,117 5.24%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 122 $51,500,000 $422,131 $15,728 4.95%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 114 $40,130,000 $352,018 $8,553 4.81%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 95 $37,285,000 $392,474 $8,038 5.03%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 135 $35,105,000 $260,037 $5,609 5.32%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 68 $34,940,000 $513,824 $12,706 5.30%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 107 $32,095,000 $299,953 $6,457 5.04%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 130 $30,290,000 $233,000 $9,038 5.11%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 59 $29,915,000 $507,034 $13,025 4.53%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 101 $28,595,000 $283,119 $9,358 5.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 65 $27,445,000 $422,231 $8,327 4.79%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 101 $27,175,000 $269,059 $10,992 5.45%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 75 $26,785,000 $357,133 $6,874 4.46%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 120 $26,520,000 $221,000 $7,267 5.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 54 $22,860,000 $423,333 $7,951 4.92%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 70 $20,490,000 $292,714 $8,761 5.05%
DAYTON-KETTERING, OH (FHA|USDA|VA) 98 $20,140,000 $205,510 $8,191 5.42%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 36 $18,600,000 $516,667 $12,786 5.24%
KNOXVILLE, TN (FHA|USDA|VA) 67 $18,205,000 $271,716 $8,005 5.12%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 48 $16,580,000 $345,417 $9,510 5.02%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 56 $15,540,000 $277,500 $9,573 5.83%
SPRINGFIELD, OH (FHA|USDA|VA) 96 $14,910,000 $155,313 $5,928 5.27%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 28 $12,850,000 $458,929 $7,034 4.65%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 31 $12,665,000 $408,548 $5,700 3.99%
SAVANNAH, GA (FHA|USDA|VA) 43 $12,555,000 $291,977 $8,490 5.73%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 30 $11,450,000 $381,667 $9,417 4.97%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 44 $11,240,000 $255,455 $8,054 5.76%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 33 $10,445,000 $316,515 $7,908 5.01%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 42 $10,130,000 $241,190 $8,383 5.16%
SAN ANGELO, TX (FHA|USDA|VA) 39 $8,845,000 $226,795 $8,226 6.34%
FAYETTEVILLE, NC (FHA|USDA|VA) 41 $8,745,000 $213,293 $6,441 5.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 27 $8,145,000 $301,667 $10,043 5.63%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 19 $8,105,000 $426,579 $17,729 4.75%
FORT COLLINS, CO (FHA|USDA|VA) 18 $7,950,000 $441,667 $10,915 5.18%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 21 $7,485,000 $356,429 $6,526 5.08%
Outside of Metro Areas 17 $7,425,000 $436,765 $11,236 5.61%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 18 $7,200,000 $400,000 $8,918 4.40%
MUSKEGON, MI (FHA|USDA|VA) 41 $6,735,000 $164,268 $6,596 5.42%
Georgetown, SC (FHA|USDA|VA) 20 $6,110,000 $305,500 $7,992 5.17%
COLORADO SPRINGS, CO (FHA|USDA|VA) 14 $6,040,000 $431,429 $7,313 4.93%
AKRON, OH (FHA|USDA|VA) 34 $5,950,000 $175,000 $6,347 5.37%
WINSTON-SALEM, NC (FHA|USDA|VA) 23 $5,935,000 $258,043 $8,102 5.00%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $5,890,000 $490,833 $7,630 3.74%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 11 $5,885,000 $535,000 $10,288 4.68%
Sevierville, TN (FHA|USDA|VA) 15 $5,605,000 $373,667 $11,422 5.50%
Brenham, TX (FHA|USDA|VA) 19 $5,275,000 $277,632 $10,189 5.89%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 12 $5,140,000 $428,333 $10,859 5.12%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 20 $5,100,000 $255,000 $6,402 4.09%
LONGVIEW, TX (FHA|USDA|VA) 21 $4,865,000 $231,667 $8,833 5.29%
CORPUS CHRISTI, TX (FHA|USDA|VA) 14 $4,850,000 $346,429 $9,782 5.47%
MIDLAND, TX (FHA|USDA|VA) 16 $4,630,000 $289,375 $9,860 6.20%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $4,620,000 $256,667 $8,065 5.33%
Fort Leonard Wood, MO (FHA|USDA|VA) 21 $4,605,000 $219,286 $7,972 4.95%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 14 $4,560,000 $325,714 $9,604 5.62%
Traverse City, MI (FHA|USDA|VA) 20 $4,520,000 $226,000 $6,868 5.25%
Augusta-Waterville, ME (FHA|USDA|VA) 20 $4,200,000 $210,000 $7,741 5.43%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $4,095,000 $273,000 $5,660 4.17%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 13 $4,075,000 $313,462 $6,212 5.23%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 12 $3,890,000 $324,167 $8,574 4.89%
BOULDER, CO (FHA|USDA|VA) 8 $3,890,000 $486,250 $5,541 4.58%
Morehead City, NC (FHA|USDA|VA) 10 $3,730,000 $373,000 $8,285 5.41%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 15 $3,695,000 $246,333 $8,744 5.31%
Mount Vernon, OH (FHA|USDA|VA) 17 $3,635,000 $213,824 $6,757 5.51%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 15 $3,555,000 $237,000 $8,361 5.63%
Forest City, NC (FHA|USDA|VA) 16 $3,530,000 $220,625 $5,212 4.80%
EAST STROUDSBURG, PA (FHA|USDA|VA) 13 $3,325,000 $255,769 $10,838 5.59%
ASHEVILLE, NC (FHA|USDA|VA) 12 $3,210,000 $267,500 $6,324 4.86%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $3,120,000 $390,000 $8,641 3.36%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $3,100,000 $775,000 $7,327 4.88%
Athens, OH (FHA|USDA|VA) 20 $3,020,000 $151,000 $6,213 5.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 14 $2,920,000 $208,571 $7,865 5.00%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 13 $2,835,000 $218,077 $8,837 6.29%
Kill Devil Hills, NC (FHA|USDA|VA) 6 $2,800,000 $466,667 $9,224 4.81%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 10 $2,760,000 $276,000 $5,169 4.58%
RICHMOND, VA (FHA|USDA|VA) 8 $2,610,000 $326,250 $6,456 4.98%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $2,575,000 $367,857 $3,375 2.89%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 7 $2,515,000 $359,286 $6,036 3.84%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $2,480,000 $620,000 $1,436 4.06%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,405,000 $801,667 $8,533 4.29%
Key West, FL (FHA|USDA|VA) 3 $2,395,000 $798,333 $19,935 4.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,380,000 $396,667 $7,833 4.52%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 7 $2,335,000 $333,571 $6,106 4.43%
PORT ST. LUCIE, FL (FHA|USDA|VA) 9 $2,335,000 $259,444 $8,280 5.04%
GREELEY, CO (FHA|USDA|VA) 6 $2,300,000 $383,333 $12,184 5.42%
Urbana, OH (FHA|USDA|VA) 11 $2,275,000 $206,818 $5,922 5.64%
ODESSA, TX (FHA|USDA|VA) 10 $2,270,000 $227,000 $9,801 6.18%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $2,235,000 $203,182 $5,916 5.53%
Washington Court House, OH (FHA|USDA|VA) 11 $2,235,000 $203,182 $7,645 5.09%
PITTSBURGH, PA (FHA|USDA|VA) 10 $2,220,000 $222,000 $6,268 3.99%
FLORENCE, SC (FHA|USDA|VA) 10 $2,180,000 $218,000 $8,990 5.21%
WILMINGTON, NC (FHA|USDA|VA) 4 $2,150,000 $537,500 $12,503 4.87%
Shelby, NC (FHA|USDA|VA) 11 $2,135,000 $194,091 $7,178 5.52%
Marion, OH (FHA|USDA|VA) 13 $2,065,000 $158,846 $6,751 5.53%
BURLINGTON, NC (FHA|USDA|VA) 9 $2,055,000 $228,333 $5,731 5.67%
RACINE, WI (FHA|USDA|VA) 9 $2,005,000 $222,778 $4,618 5.01%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 7 $1,995,000 $285,000 $10,464 5.77%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,970,000 $328,333 $6,133 3.33%
Huntsville, TX (FHA|USDA|VA) 9 $1,935,000 $215,000 $8,168 5.24%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 10 $1,920,000 $192,000 $5,251 4.96%
CANTON-MASSILLON, OH (FHA|USDA|VA) 9 $1,875,000 $208,333 $10,214 5.87%
TOLEDO, OH (FHA|USDA|VA) 7 $1,855,000 $265,000 $5,420 4.77%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,800,000 $300,000 $7,687 4.00%
Sanford, NC (FHA|USDA|VA) 7 $1,775,000 $253,571 $7,040 4.73%
READING, PA (FHA|USDA|VA) 8 $1,750,000 $218,750 $7,213 5.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $1,620,000 $405,000 $8,048 5.28%
WAUSAU-WESTON, WI (FHA|USDA|VA) 6 $1,610,000 $268,333 $6,318 4.90%
COLUMBIA, SC (FHA|USDA|VA) 4 $1,600,000 $400,000 $9,662 5.41%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,595,000 $531,667 $9,389 5.33%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,485,000 $297,000 $7,974 4.43%
SHERMAN-DENISON, TX (FHA|USDA|VA) 5 $1,465,000 $293,000 $9,608 4.98%
Bellefontaine, OH (FHA|USDA|VA) 6 $1,430,000 $238,333 $5,296 5.50%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $1,355,000 $451,667 $5,539 3.29%
NEW BERN, NC (FHA|USDA|VA) 7 $1,335,000 $190,714 $6,685 5.43%
GAINESVILLE, GA (FHA|USDA|VA) 4 $1,330,000 $332,500 $10,091 5.72%
Pottsville, PA (FHA|USDA|VA) 8 $1,320,000 $165,000 $8,420 5.70%
STOCKTON, CA (FHA|USDA|VA) 3 $1,315,000 $438,333 $9,097 4.96%
MANSFIELD, OH (FHA|USDA|VA) 4 $1,310,000 $327,500 $6,942 4.97%
Sandpoint, ID (FHA|USDA|VA) 4 $1,310,000 $327,500 $7,491 5.34%
Mount Pleasant, TX (FHA|USDA|VA) 6 $1,280,000 $213,333 $7,792 4.37%
DOTHAN, AL (FHA|USDA|VA) 5 $1,275,000 $255,000 $9,100 5.50%
El Campo, TX (FHA|USDA|VA) 6 $1,230,000 $205,000 $8,749 5.42%
OCALA, FL (FHA|USDA|VA) 6 $1,210,000 $201,667 $7,362 5.46%
Chillicothe, OH (FHA|USDA|VA) 8 $1,180,000 $147,500 $6,948 5.67%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $1,160,000 $290,000 $3,804 3.94%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $1,155,000 $385,000 $8,708 6.29%
APPLETON, WI (FHA|USDA|VA) 6 $1,130,000 $188,333 $4,541 5.33%
FRESNO, CA (FHA|USDA|VA) 4 $1,130,000 $282,500 $6,615 4.31%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $1,130,000 $565,000 $12,992 4.94%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $1,125,000 $375,000 $6,454 5.50%
MADISON, WI (FHA|USDA|VA) 3 $1,105,000 $368,333 $3,457 4.38%
Centralia, WA (FHA|USDA|VA) 3 $1,075,000 $358,333 $16,532 5.13%
TEXARKANA, TX-AR (FHA|USDA|VA) 3 $1,055,000 $351,667 $11,875 4.71%
LEBANON, PA (FHA|USDA|VA) 4 $1,050,000 $262,500 $6,381 4.59%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,903 3.00%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,010,000 $252,500 $7,554 4.09%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,005,000 $335,000 $10,778 4.87%
LANCASTER, PA (FHA|USDA|VA) 4 $990,000 $247,500 $9,132 4.53%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 8 $990,000 $123,750 $4,526 5.42%
LIMA, OH (FHA|USDA|VA) 6 $980,000 $163,333 $6,335 6.04%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $980,000 $490,000 $5,710 4.69%
Breckenridge, CO (FHA|USDA|VA) 2 $970,000 $485,000 $6,116 4.93%
WACO, TX (FHA|USDA|VA) 4 $970,000 $242,500 $9,914 4.03%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 4 $950,000 $237,500 $8,145 4.50%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $920,000 $460,000 $12,747 5.75%
GETTYSBURG, PA (FHA|USDA|VA) 4 $920,000 $230,000 $8,897 4.37%
GAINESVILLE, FL (FHA|USDA|VA) 3 $875,000 $291,667 $3,742 2.92%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $865,000 $865,000 $13,902 5.13%
Holland, MI (FHA|USDA|VA) 4 $860,000 $215,000 $8,027 5.34%
TUCSON, AZ (FHA|USDA|VA) 2 $850,000 $425,000 $5,544 3.56%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $840,000 $210,000 $3,148 5.19%
TYLER, TX (FHA|USDA|VA) 4 $820,000 $205,000 $8,685 6.00%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $810,000 $202,500 $6,575 5.59%
VALDOSTA, GA (FHA|USDA|VA) 4 $800,000 $200,000 $6,291 4.84%
FOND DU LAC, WI (FHA|USDA|VA) 2 $800,000 $400,000 $4,867 4.74%
North Wilkesboro, NC (FHA|USDA|VA) 3 $795,000 $265,000 $8,836 5.25%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 4 $790,000 $197,500 $4,719 4.62%
Cadillac, MI (FHA|USDA|VA) 4 $790,000 $197,500 $4,173 5.19%
MONTGOMERY, AL (FHA|USDA|VA) 3 $785,000 $261,667 $6,713 3.58%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $765,000 $255,000 $9,532 5.92%
Paris, TX (FHA|USDA|VA) 3 $755,000 $251,667 $8,416 6.25%
Marion, NC (FHA|USDA|VA) 3 $745,000 $248,333 $5,587 4.96%
Bonham, TX (FHA|USDA|VA) 3 $745,000 $248,333 $8,811 4.88%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $725,000 $241,667 $6,412 5.71%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $720,000 $360,000 $15,390 6.50%
THE VILLAGES, FL (FHA|USDA|VA) 3 $715,000 $238,333 $9,171 5.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $710,000 $355,000 $6,470 5.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $710,000 $355,000 $5,560 5.50%
Bucyrus-Galion, OH (FHA|USDA|VA) 4 $700,000 $175,000 $8,855 5.38%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $700,000 $350,000 $8,053 3.94%
GOLDSBORO, NC (FHA|USDA|VA) 3 $695,000 $231,667 $6,534 5.71%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $690,000 $345,000 $10,219 4.56%
Wooster, OH (FHA|USDA|VA) 3 $685,000 $228,333 $4,732 5.29%
WHEELING, WV-OH (FHA|USDA|VA) 3 $685,000 $228,333 $8,339 5.00%
Ashtabula, OH (FHA|USDA|VA) 6 $680,000 $113,333 $5,817 4.56%
Crossville, TN (FHA|USDA|VA) 2 $670,000 $335,000 $9,261 5.06%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $645,000 $215,000 $11,106 6.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $645,000 $645,000 $4,129 4.63%
WICHITA, KS (FHA|USDA|VA) 4 $640,000 $160,000 $8,259 4.72%
Rolla, MO (FHA|USDA|VA) 4 $640,000 $160,000 $3,370 5.81%
Zanesville, OH (FHA|USDA|VA) 4 $630,000 $157,500 $5,036 4.88%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $620,000 $310,000 $8,023 5.06%
Cambridge, OH (FHA|USDA|VA) 1 $615,000 $615,000 $15,257 3.00%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $610,000 $305,000 $12,106 4.50%
Aberdeen, WA (FHA|USDA|VA) 2 $610,000 $305,000 $14,058 5.94%
Fredericksburg, TX (FHA|USDA|VA) 2 $610,000 $305,000 $12,803 4.75%
Show Low, AZ (FHA|USDA|VA) 1 $595,000 $595,000 $2,800 2.88%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $595,000 $198,333 $7,091 4.58%
Lumberton, NC (FHA|USDA|VA) 3 $595,000 $198,333 $5,800 5.08%
ABILENE, TX (FHA|USDA|VA) 2 $590,000 $295,000 $5,976 5.38%
MODESTO, CA (FHA|USDA|VA) 2 $570,000 $285,000 $5,467 3.13%
Easton, MD (FHA|USDA|VA) 1 $565,000 $565,000 $10,488 3.99%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $560,000 $280,000 $12,866 5.37%
Wilmington, OH (FHA|USDA|VA) 4 $560,000 $140,000 $6,166 5.34%
Waycross, GA (FHA|USDA|VA) 2 $550,000 $275,000 $4,561 4.81%
Jefferson, GA (FHA|USDA|VA) 1 $535,000 $535,000 $4,284 5.88%
Big Spring, TX (FHA|USDA|VA) 3 $535,000 $178,333 $9,970 6.08%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $535,000 $535,000 $2,824 2.00%
Marietta, OH (FHA|USDA|VA) 3 $525,000 $175,000 $6,770 6.13%
MORRISTOWN, TN (FHA|USDA|VA) 2 $510,000 $255,000 $10,296 5.06%
Bay City, TX (FHA|USDA|VA) 1 $505,000 $505,000 $5,969 3.25%
Campbellsville, KY (FHA|USDA|VA) 2 $500,000 $250,000 $8,135 4.94%
Coldwater, MI (FHA|USDA|VA) 1 $495,000 $495,000 $16,574 6.13%
Boone, NC (FHA|USDA|VA) 2 $490,000 $245,000 $6,295 4.69%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $9,156 2.00%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $480,000 $240,000 $12,432 4.00%
MORGANTOWN, WV (FHA|USDA|VA) 3 $475,000 $158,333 $7,430 5.96%
Concord, NH (FHA|USDA|VA) 1 $475,000 $475,000 $4,151 4.50%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $475,000 $475,000 $14,254 5.88%
CUMBERLAND, MD-WV (FHA|USDA|VA) 4 $470,000 $117,500 $5,790 5.03%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $460,000 $230,000 $10,912 6.94%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $455,000 $455,000 $9,570 4.88%
Athens, TN (FHA|USDA|VA) 2 $440,000 $220,000 $5,161 5.44%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $435,000 $435,000 $4,239 3.25%
Cookeville, TN (FHA|USDA|VA) 2 $430,000 $215,000 $7,519 4.75%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $415,000 $415,000 $5,359 3.49%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $410,000 $205,000 $9,695 5.69%
Statesboro, GA (FHA|USDA|VA) 2 $410,000 $205,000 $3,257 5.50%
Granbury, TX (FHA|USDA|VA) 2 $410,000 $205,000 $6,559 6.75%
CHEYENNE, WY (FHA|USDA|VA) 1 $405,000 $405,000 $11,638 5.13%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $405,000 $405,000 $7,643 2.38%
HAMMOND, LA (FHA|USDA|VA) 1 $395,000 $395,000 $9,758 4.63%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $395,000 $395,000 $5,263 6.50%
BECKLEY, WV (FHA|USDA|VA) 3 $395,000 $131,667 $4,817 7.04%
PANAMA CITY, FL (FHA|USDA|VA) 1 $395,000 $395,000 $5,211 4.25%
WENATCHEE, WA (FHA|USDA|VA) 1 $395,000 $395,000 $14,293 7.63%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $395,000 $395,000 $14,846 3.88%
Durango, CO (FHA|USDA|VA) 1 $395,000 $395,000 $6,104 4.99%
Wilson, NC (FHA|USDA|VA) 2 $390,000 $195,000 $4,536 5.69%
ROCKFORD, IL (FHA|USDA|VA) 2 $390,000 $195,000 $7,759 4.88%
Bradford, PA (FHA|USDA|VA) 3 $375,000 $125,000 $7,707 4.58%
CHARLESTON, WV (FHA|USDA|VA) 3 $375,000 $125,000 $6,471 5.58%
BELLINGHAM, WA (FHA|USDA|VA) 1 $375,000 $375,000 $9,085 3.50%
YUBA CITY, CA (FHA|USDA|VA) 1 $375,000 $375,000 $12,969 5.25%
ALBANY, GA (FHA|USDA|VA) 1 $375,000 $375,000 $20,045 4.75%
LAWRENCE, KS (FHA|USDA|VA) 2 $370,000 $185,000 $3,945 5.06%
COLUMBUS, IN (FHA|USDA|VA) 1 $365,000 $365,000 $2,737 5.13%
LONGVIEW, WA (FHA|USDA|VA) 1 $365,000 $365,000 $7,620 3.88%
Whitewater, WI (FHA|USDA|VA) 2 $360,000 $180,000 $7,954 5.75%
Coshocton, OH (FHA|USDA|VA) 3 $355,000 $118,333 $5,226 5.04%
Ozark, AL (FHA|USDA|VA) 2 $350,000 $175,000 $5,364 6.25%
Ellensburg, WA (FHA|USDA|VA) 1 $335,000 $335,000 $7,503 5.63%
Eagle Pass, TX (FHA|USDA|VA) 1 $335,000 $335,000 $12,581 3.75%
Picayune, MS (FHA|USDA|VA) 1 $325,000 $325,000 $10,478 5.13%
MADERA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $9,209 3.88%
Plymouth, IN (FHA|USDA|VA) 1 $315,000 $315,000 $18,495 6.25%
Clewiston, FL (FHA|USDA|VA) 1 $305,000 $305,000 $13,144 5.99%
Sheridan, WY (FHA|USDA|VA) 1 $305,000 $305,000 $11,886 5.13%
Andrews, TX (FHA|USDA|VA) 1 $295,000 $295,000 $4,870 7.50%
Sayre, PA (FHA|USDA|VA) 1 $295,000 $295,000 $9,412 5.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $295,000 $295,000 $7,743 6.13%
FLINT, MI (FHA|USDA|VA) 2 $290,000 $145,000 $7,293 5.38%
REDDING, CA (FHA|USDA|VA) 1 $285,000 $285,000 $5,704 4.88%
VALLEJO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $1,673 2.75%
JACKSON, MS (FHA|USDA|VA) 1 $275,000 $275,000 $6,960 5.88%
BOISE CITY, ID (FHA|USDA|VA) 1 $275,000 $275,000 $11,436 6.25%
Albemarle, NC (FHA|USDA|VA) 1 $275,000 $275,000 $14,241 5.75%
Shelton, WA (FHA|USDA|VA) 1 $275,000 $275,000 $7,756 5.88%
Berlin, NH (FHA|USDA|VA) 1 $275,000 $275,000 $13,756 5.63%
Cornelia, GA (FHA|USDA|VA) 1 $265,000 $265,000 $5,680 6.50%
Sterling, IL (FHA|USDA|VA) 1 $255,000 $255,000 $10,561 3.75%
Kingsville, TX (FHA|USDA|VA) 1 $255,000 $255,000 $12,045 5.25%
DuBois, PA (FHA|USDA|VA) 1 $255,000 $255,000 $11,453 6.13%
Palestine, TX (FHA|USDA|VA) 2 $250,000 $125,000 $5,126 4.38%
BAY CITY, MI (FHA|USDA|VA) 2 $250,000 $125,000 $4,017 3.69%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $245,000 $245,000 $17,867 6.63%
Mount Airy, NC (FHA|USDA|VA) 1 $245,000 $245,000 $12,675 5.25%
Sidney, OH (FHA|USDA|VA) 2 $240,000 $120,000 $6,256 5.62%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $240,000 $120,000 $6,953 5.56%
Athens, TX (FHA|USDA|VA) 1 $235,000 $235,000 $10,548 3.88%
Lawrenceburg, TN (FHA|USDA|VA) 1 $235,000 $235,000 $7,492 7.13%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $235,000 $235,000 $5,391 6.25%
Stephenville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $7,932 5.63%
LUBBOCK, TX (FHA|USDA|VA) 2 $230,000 $115,000 $9,724 6.31%
EL PASO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,762 3.25%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $225,000 $225,000 $9,164 5.25%
Findlay, OH (FHA|USDA|VA) 1 $215,000 $215,000 $10,753 5.37%
SUMTER, SC (FHA|USDA|VA) 1 $215,000 $215,000 $12,186 5.75%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $215,000 $215,000 $4,588 5.99%
Stevens Point, WI (FHA|USDA|VA) 2 $210,000 $105,000 $2,164 5.13%
Fitzgerald, GA (FHA|USDA|VA) 1 $205,000 $205,000 $5,750 5.88%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $205,000 $205,000 $6,284 4.75%
London, KY (FHA|USDA|VA) 1 $205,000 $205,000 $10,933 5.25%
DALTON, GA (FHA|USDA|VA) 1 $205,000 $205,000 $9,289 6.75%
Sunbury, PA (FHA|USDA|VA) 2 $200,000 $100,000 $5,566 6.00%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $195,000 $195,000 $6,367 3.38%
Sandusky, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,358 4.50%
Norwalk, OH (FHA|USDA|VA) 2 $190,000 $95,000 $4,777 5.25%
Poplar Bluff, MO (FHA|USDA|VA) 1 $185,000 $185,000 $3,682 6.13%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,912 5.00%
KANKAKEE, IL (FHA|USDA|VA) 1 $185,000 $185,000 $6,198 4.00%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,186 6.88%
Greenville, OH (FHA|USDA|VA) 1 $175,000 $175,000 $8,876 5.50%
Van Wert, OH (FHA|USDA|VA) 1 $175,000 $175,000 $6,892 5.63%
LAREDO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $6,755 3.63%
DOVER, DE (FHA|USDA|VA) 1 $165,000 $165,000 $6,112 5.38%
LOUISVILLE, KY (FHA|USDA|VA) 1 $165,000 $165,000 $9,684 3.63%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,150 6.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $165,000 $165,000 $4,110 2.99%
Duncan, OK (FHA|USDA|VA) 1 $155,000 $155,000 $7,823 5.88%
Alice, TX (FHA|USDA|VA) 1 $155,000 $155,000 $7,611 7.38%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $155,000 $155,000 $7,381 4.25%
MOBILE, AL (FHA|USDA|VA) 1 $155,000 $155,000 $8,903 5.63%
Lewisburg, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,643 3.63%
Helena-West Helena, AR (FHA|USDA|VA) 1 $145,000 $145,000 $4,051 3.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $7,182 4.75%
Jacksonville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $8,795 6.13%
Beaver Dam, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,255 7.13%
Kinston, NC (FHA|USDA|VA) 1 $135,000 $135,000 $4,118 3.50%
Brownwood, TX (FHA|USDA|VA) 1 $125,000 $125,000 $9,124 6.25%
Paris, TN (FHA|USDA|VA) 1 $125,000 $125,000 $6,574 4.63%
PUEBLO, CO (FHA|USDA|VA) 1 $125,000 $125,000 $4,250 6.50%
Bardstown, KY (FHA|USDA|VA) 1 $115,000 $115,000 $5,059 4.63%
ANN ARBOR, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,581 3.63%
Shelbyville, TN (FHA|USDA|VA) 1 $105,000 $105,000 $3,026 5.99%
Huntington, IN (FHA|USDA|VA) 1 $85,000 $85,000 $5,105 6.00%
Celina, OH (FHA|USDA|VA) 1 $85,000 $85,000 $4,480 6.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $65,000 $65,000 $4,543 5.88%
Marion, IN (FHA|USDA|VA) 1 $55,000 $55,000 $6,514 5.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.63%
T2 Financial's top markets include Houston, Columbus, Myrtle Beach, Chicago, and Cincinnati among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,623 $1,358,595,000 $293,877 $6,815 5.13%
    FHA 1,591 $400,275,000 $251,587 $11,726 5.35%
    VA 441 $160,415,000 $363,753 $11,432 5.00%
    USDA 110 $21,650,000 $196,818 $8,333 4.95%

    For 2022, T2 Financial's most frequently originated type of loan was Conventional, with 4,623 originations. Their 2nd most popular type was FHA, with 1,591 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,831 $1,682,095,000 $288,475 $8,546 5.31%
    Cash Out Refi 569 $163,265,000 $286,933 $7,477 4.38%
    Refi 267 $74,495,000 $279,007 $5,665 3.81%
    Other 62 $15,580,000 $251,290 $6,636 5.05%
    Home Improvement 30 $4,840,000 $161,333 $5,535 5.20%
    NA 6 $660,000 $110,000 $0 6.73%

    For 2022, T2 Financial's most frequently cited loan purpose was Home Purchase, with 5,831 originations. The 2nd most popular reason was Cash Out Refi, with 569 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,471 $1,863,875,000 $288,035 $8,421 5.24%
    15 Year 218 $57,900,000 $265,596 $6,067 3.62%
    20 Year 60 $16,090,000 $268,167 $5,154 4.17%
    Other 11 $2,145,000 $195,000 $6,184 4.27%
    10 Year 5 $925,000 $185,000 $4,329 3.03%

    For 2022, T2 Financial's most frequently cited loan duration was 30 Year, with 6,471 originations. The 2nd most popular length was 15 Year, with 218 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,899 $680,575,000 $358,386
    $1k-2k 1,811 $513,105,000 $283,327
    $2k-3k 1,039 $238,845,000 $229,880
    $3k-4k 942 $217,220,000 $230,594
    $4k-5k 751 $194,715,000 $259,274
    $<1k 262 $86,270,000 $329,275

    T2 Financial's average total fees were $8,421, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,899 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 2,377 $680,865,000 $286,439
    4-5% 1,475 $436,205,000 $295,732
    6-7% 1,210 $320,930,000 $265,231
    3-4% 1,185 $350,345,000 $295,650
    7-8% 317 $80,635,000 $254,369
    2.5-3% 155 $54,965,000 $354,613
    <2.5% 45 $16,865,000 $374,778
    Over 8% 1 $125,000 $125,000

    During 2022, T2 Financial's average interest rate for loans was 5.24%, while their most frequently originated rate bucket for loans was 5-6%, with 2,377 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,436 $968,660,000 $281,915 $8,569 5.20%
    $100k-200k 1,889 $296,275,000 $156,842 $6,207 5.24%
    $400k-600k 934 $444,350,000 $475,749 $10,668 5.02%
    $600k-1MM 240 $166,890,000 $695,375 $12,862 4.79%
    $100,000 or less 233 $18,935,000 $81,266 $4,788 5.36%
    $1MM+ 33 $45,825,000 $1,388,636 $23,176 4.53%

    2022 saw T2 Financial place emphasis on $200k-400k loans with 3,436 originations, totaling $968,660,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,695 $368,555,000 $217,437 $7,685 5.20%
    $100k-150k 1,467 $478,275,000 $326,022 $8,802 5.22%
    $75k-100k 1,390 $382,600,000 $275,252 $8,963 5.29%
    $50k or less 923 $146,825,000 $159,074 $6,257 4.99%
    $150k-250k 916 $365,840,000 $399,389 $8,951 5.10%
    $250k+ 365 $194,985,000 $534,205 $10,339 5.06%

    T2 Financial lent most frequently to those with incomes in the $50k-75k range, with 1,695 originations. The second most popular income band? $100k-150k, with 1,467 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,052 $303,120,000 $288,137 $7,554 5.12%
    20-30% 864 $252,360,000 $292,083 $7,037 4.96%
    50-60% 675 $194,985,000 $288,867 $12,053 5.32%
    44% 410 $113,270,000 $276,268 $8,271 5.18%
    49% 331 $90,365,000 $273,006 $8,432 5.37%
    43% 305 $84,605,000 $277,393 $7,818 5.27%
    48% 288 $80,310,000 $278,854 $8,923 5.33%
    45% 287 $79,055,000 $275,453 $8,800 5.44%
    40% 283 $81,115,000 $286,625 $8,026 5.05%
    41% 283 $80,075,000 $282,951 $8,097 5.23%
    42% 280 $80,670,000 $288,107 $8,559 5.27%
    47% 255 $71,385,000 $279,941 $8,345 5.25%
    38% 251 $75,445,000 $300,578 $8,284 5.14%
    39% 246 $71,800,000 $291,870 $7,671 5.34%
    <20% 242 $69,200,000 $285,950 $6,002 4.74%
    46% 236 $69,390,000 $294,025 $9,715 5.23%
    36% 230 $68,480,000 $297,739 $7,234 5.10%
    37% 229 $68,415,000 $298,755 $7,559 5.09%
    >60% 17 $6,495,000 $382,059 $10,068 4.52%

    T2 Financial lent most frequently to those with DTI ratios of 30-36%, with 1,052 originations. The next most common DTI ratio? 20-30%, with 864 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,043 $1,422,395,000 $282,053 $8,075 5.16%
    Black 789 $237,335,000 $300,805 $10,634 5.26%
    Not provided 457 $139,465,000 $305,175 $8,158 5.31%
    Asian 411 $122,365,000 $297,725 $6,952 4.96%
    American Indian 47 $13,695,000 $291,383 $7,653 5.37%
    Native Hawaiian or Islander 17 $5,455,000 $320,882 $9,364 4.70%
    Asian Indian 1 $225,000 $225,000 $1,198 2.99%

    Approval Rates

    Total approvals of all applications
    92.92%

    T2 Financial has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.96%

    T2 Financial has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,765 $1,940,935,000 $286,908

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,765 $1,940,935,000 $286,908

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 130 $26,230,000 $201,769 $4,984 4.42%
    40-60% 434 $109,500,000 $252,304 $5,577 4.52%
    60-80% 1,717 $507,185,000 $295,390 $7,430 5.08%
    80-100% 4,351 $1,253,545,000 $288,105 $8,802 5.30%
    Over 100% 121 $42,815,000 $353,843 $16,534 5.09%
    Under 20% 12 $1,660,000 $138,333 $4,504 5.07%