Texas Tech Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Texas Tech Federal Credit Union 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Texas Tech Federal Credit Union 4005 98Th Street Lubbock, TX 79423 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,216 |
| Total Mortgage Loan Application Amount | $236,580,000 |
| Average Mortgage Loan Application Amount | $154,500 |
| Highest Mortgage Loan Application Amount | $1,085,000 |
| Average Applicant Income | $126,500 |
| Highest Applicant Income | $1,144,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Texas Tech Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Texas Tech Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Texas Tech Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Texas Tech Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Texas Tech Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Texas Tech Federal Credit Union's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lubbock County Texas | 889 | $ 172,165,000 | $ 193,000 | $ 119,000 |
| Dallas County Texas | 36 | $ 7,050,000 | $ 195,000 | $ 231,000 |
| Collin County Texas | 34 | $ 6,190,000 | $ 182,000 | $ 205,000 |
| Denton County Texas | 23 | $ 4,165,000 | $ 181,000 | $ 280,000 |
| Tarrant County Texas | 19 | $ 4,815,000 | $ 253,000 | $ 224,000 |
| Hale County Texas | 15 | $ 2,205,000 | $ 147,000 | $ 107,000 |
| Harris County Texas | 13 | $ 2,135,000 | $ 164,000 | $ 231,000 |
| Lynn County Texas | 13 | $ 3,285,000 | $ 252,000 | $ 140,000 |
| Travis County Texas | 13 | $ 3,035,000 | $ 233,000 | $ 264,000 |
| Hockley County Texas | 11 | $ 1,745,000 | $ 158,000 | $ 109,000 |
| Crosby County Texas | 9 | $ 935,000 | $ 103,000 | $ 61,000 |
| Terry County Texas | 8 | $ 1,320,000 | $ 165,000 | $ 119,000 |
| Bexar County Texas | 7 | $ 1,355,000 | $ 193,000 | $ 200,000 |
| Midland County Texas | 7 | $ 1,575,000 | $ 225,000 | $ 226,000 |
| Randall County Texas | 6 | $ 1,200,000 | $ 200,000 | $ 112,000 |
| Gaines County Texas | 5 | $ 1,405,000 | $ 281,000 | $ 151,000 |
| Lamb County Texas | 5 | $ 605,000 | $ 121,000 | $ 58,000 |
| Montgomery County Texas | 5 | $ 955,000 | $ 191,000 | $ 196,000 |
| Fort Bend County Texas | 4 | $ 540,000 | $ 135,000 | $ 192,000 |
| Chambers County Texas | 3 | $ 325,000 | $ 108,000 | $ 190,000 |
| Ellis County Texas | 3 | $ 845,000 | $ 281,000 | $ 159,000 |
| Llano County Texas | 3 | $ 525,000 | $ 175,000 | $ 85,000 |
| Rockwall County Texas | 3 | $ 335,000 | $ 111,000 | $ 264,000 |
| Smith County Texas | 3 | $ 1,315,000 | $ 438,000 | $ 352,000 |
| Pinellas County Florida | 2 | $ 870,000 | $ 435,000 | $ 242,000 |
| Lincoln County New Mexico | 2 | $ 620,000 | $ 310,000 | $ 665,000 |
| Comal County Texas | 2 | $ 470,000 | $ 235,000 | $ 157,000 |
| Cooke County Texas | 2 | $ 280,000 | $ 140,000 | $ 169,000 |
| Dawson County Texas | 2 | $ 120,000 | $ 60,000 | $ 85,000 |
| El Paso County Texas | 2 | $ 400,000 | $ 200,000 | $ 215,000 |
| Floyd County Texas | 2 | $ 300,000 | $ 150,000 | $ 99,000 |
| Haskell County Texas | 2 | $ 510,000 | $ 255,000 | $ 216,000 |
| Johnson County Texas | 2 | $ 470,000 | $ 235,000 | $ 105,000 |
| Kaufman County Texas | 2 | $ 310,000 | $ 155,000 | $ 105,000 |
| Parker County Texas | 2 | $ 810,000 | $ 405,000 | $ 166,000 |
| Potter County Texas | 2 | $ 200,000 | $ 100,000 | $ 44,000 |
| Scurry County Texas | 2 | $ 510,000 | $ 255,000 | $ 192,000 |
| Swisher County Texas | 2 | $ 210,000 | $ 105,000 | $ 69,000 |
| Taylor County Texas | 2 | $ 470,000 | $ 235,000 | $ 71,000 |
| Columbia County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| San Diego County California | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| El Paso County Colorado | 1 | $ 255,000 | $ 255,000 | $ 141,000 |
| La Plata County Colorado | 1 | $ 235,000 | $ 235,000 | $ 239,000 |
| Walton County Florida | 1 | $ 475,000 | $ 475,000 | $ 931,000 |
| Dougherty County Georgia | 1 | $ 235,000 | $ 235,000 | $ 300,000 |
| Richmond County Georgia | 1 | $ 95,000 | $ 95,000 | $ 220,000 |
| Hennepin County Minnesota | 1 | $ 405,000 | $ 405,000 | $ 1,106,000 |
| Clay County Missouri | 1 | $ 115,000 | $ 115,000 | $ 451,000 |
| Jackson County Missouri | 1 | $ 325,000 | $ 325,000 | $ 186,000 |
| Platte County Missouri | 1 | $ 285,000 | $ 285,000 | $ 143,000 |
| St. Louis County Missouri | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Bernalillo County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 118,000 |
| Lea County New Mexico | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Davie County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Canadian County Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Marshall County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 44,000 |
| Tulsa County Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Bell County Texas | 1 | $ 225,000 | $ 225,000 | $ 93,000 |
| Brewster County Texas | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Freestone County Texas | 1 | $ 185,000 | $ 185,000 | $ 115,000 |
| Garza County Texas | 1 | $ 425,000 | $ 425,000 | $ 294,000 |
| Grayson County Texas | 1 | $ 55,000 | $ 55,000 | $ 181,000 |
| Hansford County Texas | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Hays County Texas | 1 | $ 245,000 | $ 245,000 | $ 249,000 |
| Hood County Texas | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Hunt County Texas | 1 | $ 185,000 | $ 185,000 | $ 345,000 |
| Jones County Texas | 1 | $ 145,000 | $ 145,000 | $ 119,000 |
| Kendall County Texas | 1 | $ 85,000 | $ 85,000 | $ 260,000 |
| Lamar County Texas | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Martin County Texas | 1 | $ 395,000 | $ 395,000 | $ 148,000 |
| Mills County Texas | 1 | $ 145,000 | $ 145,000 | $ 115,000 |
| Mitchell County Texas | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Moore County Texas | 1 | $ 145,000 | $ 145,000 | $ 75,000 |
| Palo Pinto County Texas | 1 | $ 135,000 | $ 135,000 | $ 252,000 |
| Parmer County Texas | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Reagan County Texas | 1 | $ 285,000 | $ 285,000 | $ 173,000 |
| Stephens County Texas | 1 | $ 165,000 | $ 165,000 | $ 66,000 |
| Waller County Texas | 1 | $ 95,000 | $ 95,000 | $ 275,000 |
| Wise County Texas | 1 | $ 185,000 | $ 185,000 | $ 259,000 |
| Yoakum County Texas | 1 | $ 175,000 | $ 175,000 | $ 106,000 |
| Brown County Wisconsin | 1 | $ 425,000 | $ 425,000 | $ 375,000 |
Mortgage Loan Application Detail Totals for Texas Tech Federal Credit Union in 2019
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 975 | $186,905,000 | $191,000 | $1,085,000 | $137,000 | $1,144,000 |
| Refinancing | 234 | $48,760,000 | $208,000 | $745,000 | $145,000 | $1,106,000 |
| Cash-out Refinancing | 5 | $795,000 | $159,000 | $485,000 | $117,000 | $294,000 |
| Other Purpose | 2 | $120,000 | $60,000 | $75,000 | $107,000 | $121,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 824 | $162,790,000 | $197,000 | $1,085,000 | $139,000 | $1,144,000 |
| Hispanic | 183 | $31,775,000 | $173,000 | $685,000 | $109,000 | $841,000 |
| Not Provided | 93 | $18,515,000 | $199,000 | $655,000 | $176,000 | $600,000 |
| Asian | 51 | $8,695,000 | $170,000 | $745,000 | $141,000 | $486,000 |
| Black or African American | 45 | $10,065,000 | $223,000 | $855,000 | $163,000 | $544,000 |
| American Indian or Alaskan Native | 8 | $1,840,000 | $230,000 | $485,000 | $221,000 | $1,106,000 |
| Not applicable | 3 | $645,000 | $215,000 | $335,000 | $176,000 | $274,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,004 | $198,510,000 | $197,000 | $1,085,000 | $151,000 | $1,144,000 |
| FHA-insured (Federal Housing Administration) | 165 | $27,355,000 | $165,000 | $385,000 | $79,000 | $346,000 |
| VA-guaranteed (Veterans Administration) | 47 | $10,715,000 | $227,000 | $455,000 | $85,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,047 | $203,055,000 | $193,000 | $1,085,000 | $140,000 | $1,144,000 |
| Application Withdrawn By Applicant | 151 | $30,405,000 | $201,000 | $635,000 | $137,000 | $931,000 |
| Application Denied By Financial Institution | 16 | $2,730,000 | $170,000 | $485,000 | $100,000 | $325,000 |
| File Closed For Incompleteness | 2 | $390,000 | $195,000 | $245,000 | $90,000 | $97,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,200 | $233,850,000 | $194,000 | $1,085,000 | $139,000 | $1,144,000 |
| Credit History | 6 | $830,000 | $138,000 | $485,000 | $108,000 | $325,000 |
| Debt-To-Income Ratio | 5 | $1,265,000 | $253,000 | $445,000 | $103,000 | $253,000 |
| Other | 4 | $440,000 | $110,000 | $155,000 | $59,000 | $72,000 |
| Collateral | 1 | $195,000 | $195,000 | $195,000 | $196,000 | $196,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Texas Tech Federal Credit Union's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Texas Tech Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.