Applications / Mortgage Analytics / Lenders / Texas / Texas Tech Federal Credit Union
Lubbock, TX · Credit union · NCUA · $442 million assets · 1,267 loans in 2025
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1,267
loans originated, 2025
1,568
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Texas Tech Federal Credit Union is a home-purchase lender that leads its Lubbock home market and grew 38% in 2025, faster than about nine in ten similar credit unions.
Home purchases were 88.2% of its loans. FHA loans (insured by the Federal Housing Administration) were 30.9% and VA loans (guaranteed by the Department of Veterans Affairs) 4.1%, where the typical similar lender (credit unions making between half and twice as many loans) made none. Its typical loan, $235,000 against $105,000, was larger than at nearly all of them.
Originations rose 38% to 1,267, against 9% for similar lenders and 10% for the whole market. They remain below the 1,967 loans of 2020.
It ranked 1 of 341 lenders in Lubbock with 9.3% of the market, a small change of 0.2 points from 2024. Its share rose 2.2 points to 5.6% in Amarillo, where it ranked third, and 3.1 points to 3.2% in Midland, where it ranked 8 of 294.
LMI (low- and moderate-income) borrowers took 18.3% of its loans, against 27.7% at similar lenders, lower than at more than eight in ten; LMI areas took 9.2%, against 15.0%, among the lowest tenth. Its focus on home purchases with larger loans is one possible reason; the make-up of its Texas markets is another.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Texas Tech Federal Credit Union took 1,568 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.2% · Refinance 11.8%
Conventional 64.6% · FHA 30.9% · VA 4.1% · USDA (RHS or FSA) 0.3% · of 1,267 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 1,242 | 98.0% |
| New Mexico | 5 | 0.4% |
| Oklahoma | 4 | 0.3% |
| Colorado | 3 | 0.2% |
| Arkansas | 2 | 0.2% |
| Georgia | 2 | 0.2% |
| Alabama | 1 | 0.1% |
| Florida | 1 | 0.1% |
| Illinois | 1 | 0.1% |
| Louisiana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lubbock | 648 |
| Amarillo | 248 |
| Midland | 137 |
| Odessa | 35 |
| Dallas-Plano-Irving | 22 |
| Austin-Round Rock-San Marcos | 20 |
| Fort Worth-Arlington-Grapevine | 13 |
| Houston-Pasadena-The Woodlands | 13 |
| Abilene | 9 |
| San Antonio-New Braunfels | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U2B1ZNGX3H8U54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 179586 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512858 | 2011–2016 |
Established 1 January 1959. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Texas Tech Federal Credit Union's data.
Texas Tech Federal Credit Union's data
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Texas Tech Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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