Lender in Texas · HMDA 2025
Texas Tech Federal Credit Union mortgages in Texas
Texas Tech Federal Credit Union's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Texas Tech Federal Credit Union originated 1,036 owner-occupied single-family loans in Texas from 1,050 completed applications.
Its median conventional purchase loan costs were $5,260 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.50% (Texas: 6.50%).
Loans in TX
1,036
of 1,050 applications
Denial rate
0.6%
Purchase · TX 10.2%
Rate spread
+0.07 pts
Conv. · TX +0.09 pts
Loan amount
$255,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 943 | 936 | 0.6% | 6.500% | +0.07 pts | $5,260 | $255,000 |
| Refinance | 46 | 45 | 2.2% | 6.625% | +0.10 pts | $4,450 | $285,000 |
| Cash-out refinance | 61 | 55 | 9.8% | 6.500% | +0.15 pts | $4,990 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Texas Tech Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 31.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lubbock County | 1 | 537 | 12.3% |
| Floyd County | 1 | 3 | 15.0% |
| Garza County | 1 | 2 | 12.5% |
| Randall County | 3 | 173 | 7.1% |
| Oldham County | 3 | 2 | 11.1% |
| Lamb County | 4 | 5 | 6.4% |
| Hockley County | 5 | 10 | 5.1% |
| Hale County | 6 | 10 | 5.1% |
| Ward County | 6 | 4 | 4.2% |
| Armstrong County | 6 | 2 | 6.9% |
| Motley County | 6 | 1 | 14.3% |
| Midland County | 7 | 131 | 3.9% |
| Crosby County | 7 | 2 | 6.5% |
| Donley County | 7 | 2 | 5.9% |
| Potter County | 8 | 39 | 4.1% |
| Yoakum County | 8 | 2 | 4.1% |
| Carson County | 9 | 3 | 3.8% |
| Dawson County | 10 | 2 | 3.0% |
| Terry County | 11 | 3 | 4.4% |
| Hutchinson County | 13 | 5 | 2.3% |
| Moore County | 13 | 4 | 1.9% |
| Hall County | 14 | 1 | 4.0% |
| San Saba County | 16 | 1 | 4.0% |
| Childress County | 17 | 1 | 2.8% |
| Bailey County | 18 | 1 | 3.5% |
| Baylor County | 18 | 1 | 3.6% |
| Andrews County | 19 | 3 | 1.3% |
| Ector County | 21 | 29 | 1.4% |
| Wilbarger County | 21 | 1 | 1.3% |
| Gray County | 23 | 2 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology