Mortgage lending in Lubbock County, Texas
Lenders in Lubbock County, Texas reported 9,980 mortgage applications for 2025, according to the CFPB.
9,980 mortgage applications and 6,275 loans originated in 2025; the denial rate was 17.7% of 7,981 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lubbock, TX HUD Metro FMR Area.
- 9,980
- Applications
- 6,275
- Loans originated
- 17.7%
- Denial rate
- 1,410 denied of 7,981 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 9,980 | 6,275 |
| 2024 | 9,280 | 5,755 |
| 2023 | 9,049 | 5,612 |
| 2022 | 11,447 | 7,566 |
| 2021 | 16,326 | 11,099 |
| 2020 | 15,513 | 10,700 |
| 2019 | 10,292 | 6,855 |
| 2018 | 9,184 | 6,414 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Alliance Credit Union | 640 | 802 |
| Texas Tech Federal Credit Union | 632 | 758 |
| T2 Financial LLC | 567 | 680 |
| Rocket Mortgage | 264 | 369 |
| Ark-LA-Tex Financial Services LLC | 242 | 266 |
| City Bank | 240 | 358 |
| United Wholesale Mortgage | 239 | 325 |
| DHI Mortgage Company, LTD. | 217 | 352 |
| Amarillo National Bank | 215 | 329 |
| Cardinal Financial Company, Li | 188 | 254 |
| Peoples Bank | 125 | 150 |
| Prosperity Bank | 108 | 178 |
| loanDepot.com LLC | 98 | 145 |
| Mortgage Research Center | 94 | 157 |
| Residential Wholesale Mortgage | 92 | 131 |
| Crosscountry Mortgage, LLC | 90 | 111 |
| First United Bank | 86 | 96 |
| Citizens State Bank | 85 | 85 |
| Kind Lending, LLC | 85 | 112 |
| Freedom Mortgage Corporation | 72 | 160 |
| Flat Branch Mortgage, Inc. | 70 | 84 |
| Pennymac Loan Services LLC | 68 | 163 |
| 21ST Mortgage | 56 | 378 |
| Guild Mortgage Company | 43 | 58 |
| AmWest Funding Corp | 43 | 62 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 89 | 25.0% of 68 decided |
| Asian | 357 | 19.0% of 284 decided |
| Black or African American | 361 | 29.4% of 279 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 6,853 | 16.1% of 5,603 decided |
| 2 or more minority races | 14 | no rate: base under 50 |
| Joint | 240 | 17.9% of 190 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,054 | 20.8% of 1,535 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,181 | 24.8% of 1,735 decided |
| Not Hispanic or Latino | 5,418 | 14.5% of 4,429 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,865 | 19.7% of 1,404 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,240 | 17.6% of 2,589 decided |
| Female | 1,928 | 22.9% of 1,569 decided |
| Joint | 3,631 | 14.1% of 2,976 decided |
| Sex Not Available | 1,181 | 20.8% of 847 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1074 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved