Texas Tech Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Texas Tech Federal Credit Union 2021 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 | 2,349 |
| Total Mortgage Loan Application Amount | $531,025,000 |
| Average Mortgage Loan Application Amount | $209,250 |
| Highest Mortgage Loan Application Amount | $1,845,000 |
| Average Applicant Income | $151,750 |
| Highest Applicant Income | $5,080,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,682 | $ 363,820,000 | $ 216,000 | $ 142,000 |
| Collin County Texas | 61 | $ 17,715,000 | $ 290,000 | $ 279,000 |
| Dallas County Texas | 58 | $ 16,530,000 | $ 285,000 | $ 239,000 |
| Hockley County Texas | 45 | $ 7,565,000 | $ 168,000 | $ 79,000 |
| Denton County Texas | 43 | $ 9,895,000 | $ 230,000 | $ 284,000 |
| Tarrant County Texas | 32 | $ 6,860,000 | $ 214,000 | $ 178,000 |
| Harris County Texas | 28 | $ 5,590,000 | $ 199,000 | $ 216,000 |
| Travis County Texas | 28 | $ 8,390,000 | $ 299,000 | $ 350,000 |
| Hale County Texas | 24 | $ 3,600,000 | $ 150,000 | $ 96,000 |
| Lynn County Texas | 24 | $ 4,740,000 | $ 197,000 | $ 118,000 |
| Midland County Texas | 18 | $ 6,380,000 | $ 354,000 | $ 177,000 |
| Williamson County Texas | 14 | $ 2,660,000 | $ 190,000 | $ 203,000 |
| Lamb County Texas | 9 | $ 1,105,000 | $ 122,000 | $ 79,000 |
| Montgomery County Texas | 9 | $ 2,995,000 | $ 332,000 | $ 331,000 |
| Parker County Texas | 9 | $ 3,035,000 | $ 337,000 | $ 200,000 |
| Scurry County Texas | 9 | $ 1,575,000 | $ 175,000 | $ 125,000 |
| Crosby County Texas | 8 | $ 900,000 | $ 112,000 | $ 86,000 |
| Taylor County Texas | 8 | $ 3,100,000 | $ 387,000 | $ 175,000 |
| Gaines County Texas | 7 | $ 1,985,000 | $ 283,000 | $ 146,000 |
| Llano County Texas | 7 | $ 3,755,000 | $ 536,000 | $ 478,000 |
| Randall County Texas | 7 | $ 1,245,000 | $ 177,000 | $ 74,000 |
| Rockwall County Texas | 7 | $ 1,415,000 | $ 202,000 | $ 348,000 |
| Smith County Texas | 7 | $ 1,485,000 | $ 212,000 | $ 332,000 |
| Lincoln County New Mexico | 6 | $ 1,280,000 | $ 213,000 | $ 275,000 |
| Bexar County Texas | 6 | $ 1,430,000 | $ 238,000 | $ 155,000 |
| Potter County Texas | 6 | $ 1,100,000 | $ 183,000 | $ 127,000 |
| Yoakum County Texas | 6 | $ 1,140,000 | $ 190,000 | $ 87,000 |
| Dawson County Texas | 5 | $ 615,000 | $ 123,000 | $ 79,000 |
| Henderson County Texas | 5 | $ 2,715,000 | $ 543,000 | $ 514,000 |
| Kaufman County Texas | 5 | $ 835,000 | $ 167,000 | $ 64,000 |
| Palo Pinto County Texas | 5 | $ 1,885,000 | $ 377,000 | $ 387,000 |
| Terry County Texas | 5 | $ 875,000 | $ 175,000 | $ 142,000 |
| McCurtain County Oklahoma | 4 | $ 3,690,000 | $ 922,000 | $ 702,000 |
| Brazos County Texas | 4 | $ 920,000 | $ 230,000 | $ 80,000 |
| Garza County Texas | 4 | $ 640,000 | $ 160,000 | $ 74,000 |
| Grayson County Texas | 4 | $ 780,000 | $ 195,000 | $ 109,000 |
| Hidalgo County Texas | 4 | $ 850,000 | $ 212,000 | $ 288,000 |
| Howard County Texas | 4 | $ 370,000 | $ 92,000 | $ 239,000 |
| McLennan County Texas | 4 | $ 660,000 | $ 165,000 | $ 169,000 |
| Oklahoma County Oklahoma | 3 | $ 1,665,000 | $ 555,000 | $ 346,000 |
| Brown County Texas | 3 | $ 635,000 | $ 211,000 | $ 129,000 |
| Burnet County Texas | 3 | $ 735,000 | $ 245,000 | $ 307,000 |
| Comal County Texas | 3 | $ 635,000 | $ 211,000 | $ 134,000 |
| Ellis County Texas | 3 | $ 2,125,000 | $ 708,000 | $ 370,000 |
| Fort Bend County Texas | 3 | $ 885,000 | $ 295,000 | $ 365,000 |
| Hays County Texas | 3 | $ 245,000 | $ 81,000 | $ 359,000 |
| Hood County Texas | 3 | $ 985,000 | $ 328,000 | $ 130,000 |
| Wichita County Texas | 3 | $ 405,000 | $ 135,000 | $ 60,000 |
| Jefferson County Alabama | 2 | $ 420,000 | $ 210,000 | $ 125,000 |
| Cook County Illinois | 2 | $ 510,000 | $ 255,000 | $ 265,000 |
| Bernalillo County New Mexico | 2 | $ 640,000 | $ 320,000 | $ 74,000 |
| Chaves County New Mexico | 2 | $ 650,000 | $ 325,000 | $ 124,000 |
| Colfax County New Mexico | 2 | $ 350,000 | $ 175,000 | $ 228,000 |
| Lea County New Mexico | 2 | $ 390,000 | $ 195,000 | $ 65,000 |
| Sandoval County New Mexico | 2 | $ 620,000 | $ 310,000 | $ 236,000 |
| Anderson County Texas | 2 | $ 170,000 | $ 85,000 | $ 229,000 |
| Brazoria County Texas | 2 | $ 390,000 | $ 195,000 | $ 147,000 |
| Childress County Texas | 2 | $ 140,000 | $ 70,000 | $ 75,000 |
| Cochran County Texas | 2 | $ 170,000 | $ 85,000 | $ 65,000 |
| Ector County Texas | 2 | $ 730,000 | $ 365,000 | $ 170,000 |
| El Paso County Texas | 2 | $ 590,000 | $ 295,000 | $ 257,000 |
| Fannin County Texas | 2 | $ 270,000 | $ 135,000 | $ 236,000 |
| Floyd County Texas | 2 | $ 270,000 | $ 135,000 | $ 93,000 |
| Jones County Texas | 2 | $ 320,000 | $ 160,000 | $ 75,000 |
| McCulloch County Texas | 2 | $ 590,000 | $ 295,000 | $ 124,000 |
| Nueces County Texas | 2 | $ 600,000 | $ 300,000 | $ 347,000 |
| Tom Green County Texas | 2 | $ 310,000 | $ 155,000 | $ 57,000 |
| Wise County Texas | 2 | $ 850,000 | $ 425,000 | $ 321,000 |
| Salt Lake County Utah | 2 | $ 720,000 | $ 360,000 | $ 245,000 |
| Coffee County Alabama | 1 | $ 195,000 | $ 195,000 | $ 180,000 |
| Maricopa County Arizona | 1 | $ 465,000 | $ 465,000 | $ 100,000 |
| Clear Creek County Colorado | 1 | $ 475,000 | $ 475,000 | $ 115,000 |
| Duval County Florida | 1 | $ 185,000 | $ 185,000 | $ 53,000 |
| Manatee County Florida | 1 | $ 65,000 | $ 65,000 | $ 102,000 |
| Okaloosa County Florida | 1 | $ 255,000 | $ 255,000 | $ 283,000 |
| Pinellas County Florida | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Chatham County Georgia | 1 | $ 205,000 | $ 205,000 | $ 163,000 |
| Kendall County Illinois | 1 | $ 135,000 | $ 135,000 | $ 131,000 |
| St. Bernard County Louisiana | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Cumberland County Maine | 1 | $ 445,000 | $ 445,000 | $ 192,000 |
| Montgomery County Maryland | 1 | $ 175,000 | $ 175,000 | $ 98,000 |
| St. Louis County Missouri | 1 | $ 65,000 | $ 65,000 | $ 110,000 |
| Rockingham County New Hampshire | 1 | $ 335,000 | $ 335,000 | $ 72,000 |
| Hudson County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 199,000 |
| Mercer County New Jersey | 1 | $ 1,525,000 | $ 1,525,000 | $ 557,000 |
| Morris County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 84,000 |
| Curry County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Suffolk County New York | 1 | $ 225,000 | $ 225,000 | $ 12,000 |
| Craven County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Haywood County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 169,000 |
| Union County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 231,000 |
| Wake County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 143,000 |
| Cleveland County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 93,000 |
| Payne County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Chester County Pennsylvania | 1 | $ 435,000 | $ 435,000 | $ 350,000 |
| Montgomery County Pennsylvania | 1 | $ 1,345,000 | $ 1,345,000 | $ 509,000 |
| Philadelphia County Pennsylvania | 1 | $ 425,000 | $ 425,000 | $ 447,000 |
| Oconee County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Montgomery County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 152,000 |
| Andrews County Texas | 1 | $ 545,000 | $ 545,000 | $ 407,000 |
| Aransas County Texas | 1 | $ 225,000 | $ 225,000 | $ 184,000 |
| Bowie County Texas | 1 | $ 195,000 | $ 195,000 | $ 375,000 |
| Briscoe County Texas | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Cameron County Texas | 1 | $ 275,000 | $ 275,000 | $ 123,000 |
| Collingsworth County Texas | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| Dickens County Texas | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Fisher County Texas | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Gregg County Texas | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| Guadalupe County Texas | 1 | $ 1,055,000 | $ 1,055,000 | $ 385,000 |
| Hansford County Texas | 1 | $ 85,000 | $ 85,000 | $ 95,000 |
| Hardeman County Texas | 1 | $ 355,000 | $ 355,000 | $ 69,000 |
| Hartley County Texas | 1 | $ 275,000 | $ 275,000 | $ 56,000 |
| Haskell County Texas | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| Johnson County Texas | 1 | $ 235,000 | $ 235,000 | $ 67,000 |
| Kendall County Texas | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Kerr County Texas | 1 | $ 335,000 | $ 335,000 | $ 134,000 |
| Medina County Texas | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Montague County Texas | 1 | $ 115,000 | $ 115,000 | $ 812,000 |
| Moore County Texas | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Ochiltree County Texas | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Parmer County Texas | 1 | $ 255,000 | $ 255,000 | $ 108,000 |
| Rains County Texas | 1 | $ 225,000 | $ 225,000 | $ 60,000 |
| Sherman County Texas | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Van Zandt County Texas | 1 | $ 185,000 | $ 185,000 | $ 95,000 |
| Wilson County Texas | 1 | $ 25,000 | $ 25,000 | $ 174,000 |
| Washington County Vermont | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Racine County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 234,000 |
Mortgage Loan Application Detail Totals for Texas Tech Federal Credit Union in 2021
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 | 1,625 | $372,805,000 | $229,000 | $1,525,000 | $162,000 | $5,080,000 |
| Refinancing | 716 | $156,760,000 | $218,000 | $1,845,000 | $156,000 | $4,543,000 |
| Cash-out Refinancing | 6 | $1,020,000 | $170,000 | $285,000 | $126,000 | $232,000 |
| Home Improvement | 2 | $440,000 | $220,000 | $345,000 | $163,000 | $205,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 1,362 | $318,710,000 | $234,000 | $1,845,000 | $165,000 | $5,080,000 |
| Not Provided | 506 | $117,960,000 | $233,000 | $1,345,000 | $176,000 | $1,600,000 |
| Hispanic | 323 | $61,335,000 | $189,000 | $755,000 | $116,000 | $908,000 |
| Asian | 100 | $20,160,000 | $201,000 | $625,000 | $162,000 | $600,000 |
| Black or African American | 33 | $6,105,000 | $185,000 | $515,000 | $122,000 | $275,000 |
| American Indian or Alaskan Native | 7 | $1,615,000 | $230,000 | $305,000 | $123,000 | $175,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $345,000 | $345,000 | $345,000 | $146,000 | $146,000 |
| Not applicable | 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) | 2,020 | $461,410,000 | $228,000 | $1,845,000 | $174,000 | $5,080,000 |
| FHA-insured (Federal Housing Administration) | 261 | $49,775,000 | $190,000 | $405,000 | $71,000 | $238,000 |
| VA-guaranteed (Veterans Administration) | 68 | $19,840,000 | $291,000 | $555,000 | $103,000 | $304,000 |
| 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 | 1,934 | $433,660,000 | $224,000 | $1,785,000 | $154,000 | $2,207,000 |
| Application Withdrawn By Applicant | 366 | $87,850,000 | $240,000 | $1,845,000 | $194,000 | $5,080,000 |
| Application Denied By Financial Institution | 46 | $8,970,000 | $195,000 | $755,000 | $134,000 | $903,000 |
| File Closed For Incompleteness | 3 | $545,000 | $181,000 | $225,000 | $76,000 | $96,000 |
| 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 | 2,303 | $522,055,000 | $226,000 | $1,845,000 | $161,000 | $5,080,000 |
| Other | 17 | $4,015,000 | $236,000 | $755,000 | $219,000 | $903,000 |
| Credit History | 15 | $2,285,000 | $152,000 | $365,000 | $86,000 | $168,000 |
| Debt-To-Income Ratio | 13 | $2,485,000 | $191,000 | $505,000 | $70,000 | $211,000 |
| Collateral | 1 | $185,000 | $185,000 | $185,000 | $181,000 | $181,000 |
| 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 2021 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.