Texas Tech Federal Credit Union
Texas Tech Federal Credit Union received 1,568 applications in 2025 and made 1,267 mortgages, in 103 counties across 17 states. The median rate its borrowers got was 6.375% on a median loan of $235,000. Of 1,284 decisions, 16 were denials — 1.3%, most often for credit history.
| Legal Entity Identifier | 549300U2B1ZNGX3H8U54 |
|---|---|
| Applications received | 1,568 |
| Mortgages made | 1,267 |
| Denied | 16 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 284 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.158 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1,117 | 6.375% | $245,000 | 0.6% |
| Refinancing | 58 | 6.438% | $240,000 | 1.7% |
| Cash-out refinancing | 92 | 6.625% | $175,000 | 8.0% |
Where Texas Tech Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lubbock County, TX | 632 | 6.375% | 0.8% |
| Randall County, TX | 197 | 6.375% | 0.0% |
| Midland County, TX | 137 | 6.250% | 0.7% |
| Potter County, TX | 42 | 6.375% | 12.5% |
| Ector County, TX | 35 | 6.250% | 0.0% |
| Travis County, TX | 13 | 7.950% | 0.0% |
| Denton County, TX | 11 | 7.750% | 0.0% |
| Hale County, TX | 11 | 6.375% | 0.0% |
| Harris County, TX | 10 | 7.900% | 0.0% |
| Hockley County, TX | 10 | 6.250% | 0.0% |
| Taylor County, TX | 8 | Under 10 loans | 11.1% |
| Parker County, TX | 7 | Under 10 loans | 0.0% |
| Ward County, TX | 7 | Under 10 loans | 0.0% |
| Tarrant County, TX | 6 | Under 10 loans | 0.0% |
| Bexar County, TX | 5 | Under 10 loans | 0.0% |
| Carson County, TX | 5 | Under 10 loans | 0.0% |
| Dallas County, TX | 5 | Under 10 loans | 0.0% |
| Hutchinson County, TX | 5 | Under 10 loans | 28.6% |
| Lamb County, TX | 5 | Under 10 loans | 0.0% |
| Bowie County, TX | 4 | Under 10 loans | 0.0% |
| Moore County, TX | 4 | Under 10 loans | 0.0% |
| Williamson County, TX | 4 | Under 10 loans | 0.0% |
| Curry County, NM | 3 | Under 10 loans | 0.0% |
| Andrews County, TX | 3 | Under 10 loans | 0.0% |
| Comal County, TX | 3 | Under 10 loans | 0.0% |
| Floyd County, TX | 3 | Under 10 loans | 0.0% |
| Hays County, TX | 3 | Under 10 loans | 0.0% |
| Terry County, TX | 3 | Under 10 loans | 0.0% |
| Tom Green County, TX | 3 | Under 10 loans | 0.0% |
| Yoakum County, TX | 3 | Under 10 loans | 0.0% |
| Armstrong County, TX | 2 | Under 10 loans | 0.0% |
| Bailey County, TX | 2 | Under 10 loans | 0.0% |
| Brown County, TX | 2 | Under 10 loans | 0.0% |
| Collin County, TX | 2 | Under 10 loans | 0.0% |
| Crosby County, TX | 2 | Under 10 loans | 0.0% |
| Dawson County, TX | 2 | Under 10 loans | 0.0% |
| Donley County, TX | 2 | Under 10 loans | 0.0% |
| El Paso County, TX | 2 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 2 | Under 10 loans | 0.0% |
| Garza County, TX | 2 | Under 10 loans | 0.0% |
| Gray County, TX | 2 | Under 10 loans | 0.0% |
| Hood County, TX | 2 | Under 10 loans | 0.0% |
| Lynn County, TX | 2 | Under 10 loans | 0.0% |
| Oldham County, TX | 2 | Under 10 loans | 0.0% |
| Rockwall County, TX | 2 | Under 10 loans | 0.0% |
| Smith County, TX | 2 | Under 10 loans | 0.0% |
| Morgan County, AL | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| St. Francis County, AR | 1 | Under 10 loans | 0.0% |
| Boulder County, CO | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.