Texas Tech Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Texas Tech Federal Credit Union 2022 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 | 1,702 |
| Total Mortgage Loan Application Amount | $432,760,000 |
| Average Mortgage Loan Application Amount | $212,200 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $195,600 |
| Highest Applicant Income | $3,623,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,157 | $ 274,025,000 | $ 236,000 | $ 138,000 |
| Travis County Texas | 53 | $ 14,975,000 | $ 282,000 | $ 352,000 |
| Denton County Texas | 39 | $ 13,295,000 | $ 340,000 | $ 261,000 |
| Hockley County Texas | 37 | $ 6,505,000 | $ 175,000 | $ 86,000 |
| Collin County Texas | 36 | $ 11,650,000 | $ 323,000 | $ 362,000 |
| Randall County Texas | 36 | $ 8,100,000 | $ 225,000 | $ 102,000 |
| Dallas County Texas | 34 | $ 11,060,000 | $ 325,000 | $ 302,000 |
| Tarrant County Texas | 20 | $ 6,360,000 | $ 318,000 | $ 272,000 |
| Lynn County Texas | 15 | $ 5,125,000 | $ 341,000 | $ 178,000 |
| Harris County Texas | 13 | $ 6,635,000 | $ 510,000 | $ 256,000 |
| Hays County Texas | 11 | $ 4,455,000 | $ 405,000 | $ 416,000 |
| Midland County Texas | 10 | $ 3,630,000 | $ 363,000 | $ 215,000 |
| Terry County Texas | 10 | $ 1,460,000 | $ 146,000 | $ 75,000 |
| Williamson County Texas | 10 | $ 2,230,000 | $ 223,000 | $ 189,000 |
| McCurtain County Oklahoma | 9 | $ 5,475,000 | $ 608,000 | $ 307,000 |
| Lamb County Texas | 9 | $ 1,645,000 | $ 182,000 | $ 100,000 |
| Potter County Texas | 9 | $ 1,545,000 | $ 171,000 | $ 97,000 |
| Ellis County Texas | 8 | $ 2,500,000 | $ 312,000 | $ 128,000 |
| Hale County Texas | 8 | $ 1,510,000 | $ 188,000 | $ 115,000 |
| Ector County Texas | 7 | $ 1,285,000 | $ 183,000 | $ 149,000 |
| Montgomery County Texas | 7 | $ 1,715,000 | $ 245,000 | $ 186,000 |
| Garza County Texas | 6 | $ 700,000 | $ 116,000 | $ 65,000 |
| Rockwall County Texas | 6 | $ 2,520,000 | $ 420,000 | $ 313,000 |
| Scurry County Texas | 6 | $ 930,000 | $ 155,000 | $ 163,000 |
| Broward County Florida | 5 | $ 4,845,000 | $ 969,000 | $ 636,000 |
| Lincoln County New Mexico | 5 | $ 1,865,000 | $ 373,000 | $ 227,000 |
| Bailey County Texas | 5 | $ 765,000 | $ 153,000 | $ 67,000 |
| Crosby County Texas | 5 | $ 505,000 | $ 101,000 | $ 51,000 |
| Wichita County Texas | 5 | $ 735,000 | $ 147,000 | $ 56,000 |
| Bexar County Texas | 4 | $ 950,000 | $ 237,000 | $ 349,000 |
| Parker County Texas | 4 | $ 1,180,000 | $ 295,000 | $ 131,000 |
| Taylor County Texas | 4 | $ 870,000 | $ 217,000 | $ 177,000 |
| Tom Green County Texas | 4 | $ 840,000 | $ 210,000 | $ 84,000 |
| Yoakum County Texas | 4 | $ 610,000 | $ 152,000 | $ 82,000 |
| Gaines County Texas | 3 | $ 595,000 | $ 198,000 | $ 113,000 |
| McLennan County Texas | 3 | $ 1,045,000 | $ 348,000 | $ 480,000 |
| Racine County Wisconsin | 3 | $ 505,000 | $ 168,000 | $ 179,000 |
| Jefferson County Alabama | 2 | $ 1,470,000 | $ 735,000 | $ 510,000 |
| Maricopa County Arizona | 2 | $ 870,000 | $ 435,000 | $ 271,000 |
| Pasco County Florida | 2 | $ 870,000 | $ 435,000 | $ 2,011,000 |
| St. Johns County Florida | 2 | $ 710,000 | $ 355,000 | $ 164,000 |
| Otero County New Mexico | 2 | $ 790,000 | $ 395,000 | $ 281,000 |
| Montgomery County Pennsylvania | 2 | $ 690,000 | $ 345,000 | $ 196,000 |
| Andrews County Texas | 2 | $ 510,000 | $ 255,000 | $ 138,000 |
| Aransas County Texas | 2 | $ 650,000 | $ 325,000 | $ 202,000 |
| Brazoria County Texas | 2 | $ 490,000 | $ 245,000 | $ 221,000 |
| Brazos County Texas | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| Burnet County Texas | 2 | $ 290,000 | $ 145,000 | $ 149,000 |
| Cooke County Texas | 2 | $ 990,000 | $ 495,000 | $ 184,000 |
| Dawson County Texas | 2 | $ 260,000 | $ 130,000 | $ 57,000 |
| Deaf Smith County Texas | 2 | $ 250,000 | $ 125,000 | $ 99,000 |
| Floyd County Texas | 2 | $ 260,000 | $ 130,000 | $ 79,000 |
| Grayson County Texas | 2 | $ 430,000 | $ 215,000 | $ 277,000 |
| Haskell County Texas | 2 | $ 270,000 | $ 135,000 | $ 111,000 |
| Hutchinson County Texas | 2 | $ 170,000 | $ 85,000 | $ 35,000 |
| Johnson County Texas | 2 | $ 700,000 | $ 350,000 | $ 114,000 |
| Kaufman County Texas | 2 | $ 310,000 | $ 155,000 | $ 227,000 |
| Palo Pinto County Texas | 2 | $ 1,450,000 | $ 725,000 | $ 356,000 |
| Stephens County Texas | 2 | $ 360,000 | $ 180,000 | $ 91,000 |
| Titus County Texas | 2 | $ 600,000 | $ 300,000 | $ 84,000 |
| Baldwin County Alabama | 1 | $ 305,000 | $ 305,000 | $ 106,000 |
| Scott County Arkansas | 1 | $ 185,000 | $ 185,000 | $ 217,000 |
| San Luis Obispo County California | 1 | $ 155,000 | $ 155,000 | $ 191,000 |
| Jefferson County Colorado | 1 | $ 625,000 | $ 625,000 | $ 215,000 |
| Rio Grande County Colorado | 1 | $ 445,000 | $ 445,000 | $ 210,000 |
| Duval County Florida | 1 | $ 355,000 | $ 355,000 | $ 97,000 |
| Okaloosa County Florida | 1 | $ 385,000 | $ 385,000 | $ 463,000 |
| Fulton County Georgia | 1 | $ 2,005,000 | $ 2,005,000 | $ 375,000 |
| Kendall County Illinois | 1 | $ 485,000 | $ 485,000 | $ 195,000 |
| Lake County Indiana | 1 | $ 765,000 | $ 765,000 | $ 290,000 |
| Carbon County Montana | 1 | $ 365,000 | $ 365,000 | $ 117,000 |
| Colfax County New Mexico | 1 | $ 645,000 | $ 645,000 | $ 396,000 |
| Canadian County Oklahoma | 1 | $ 485,000 | $ 485,000 | $ 210,000 |
| Cleveland County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 266,000 |
| McClain County Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
| Tulsa County Oklahoma | 1 | $ 195,000 | $ 195,000 | $ 246,000 |
| Philadelphia County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 66,000 |
| Sevier County Tennessee | 1 | $ 575,000 | $ 575,000 | $ 200,000 |
| Shelby County Tennessee | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Blanco County Texas | 1 | $ 355,000 | $ 355,000 | $ 159,000 |
| Brown County Texas | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Cameron County Texas | 1 | $ 285,000 | $ 285,000 | $ 56,000 |
| Carson County Texas | 1 | $ 255,000 | $ 255,000 | $ 122,000 |
| Childress County Texas | 1 | $ 215,000 | $ 215,000 | $ 107,000 |
| Comal County Texas | 1 | $ 115,000 | $ 115,000 | $ 379,000 |
| Fort Bend County Texas | 1 | $ 85,000 | $ 85,000 | $ 176,000 |
| Galveston County Texas | 1 | $ 145,000 | $ 145,000 | $ 222,000 |
| Gray County Texas | 1 | $ 95,000 | $ 95,000 | $ 76,000 |
| Hood County Texas | 1 | $ 315,000 | $ 315,000 | $ 136,000 |
| Hopkins County Texas | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Howard County Texas | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
| Jefferson County Texas | 1 | $ 35,000 | $ 35,000 | $ 58,000 |
| Jones County Texas | 1 | $ 315,000 | $ 315,000 | $ 65,000 |
| Kendall County Texas | 1 | $ 375,000 | $ 375,000 | $ 279,000 |
| Llano County Texas | 1 | $ 355,000 | $ 355,000 | $ 132,000 |
| Montague County Texas | 1 | $ 75,000 | $ 75,000 | $ 435,000 |
| Moore County Texas | 1 | $ 145,000 | $ 145,000 | $ 94,000 |
| Nolan County Texas | 1 | $ 175,000 | $ 175,000 | $ 122,000 |
| Panola County Texas | 1 | $ 45,000 | $ 45,000 | $ 138,000 |
| Polk County Texas | 1 | $ 205,000 | $ 205,000 | $ 144,000 |
| Swisher County Texas | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Waller County Texas | 1 | $ 65,000 | $ 65,000 | $ 154,000 |
| Wood County Texas | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Warren County Virginia | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| King County Washington | 1 | $ 445,000 | $ 445,000 | $ 295,000 |
| Kenosha County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for Texas Tech Federal Credit Union in 2022
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 | 1,426 | $364,260,000 | $255,000 | $1,895,000 | $169,000 | $3,623,000 |
| Refinancing | 169 | $48,945,000 | $289,000 | $2,005,000 | $150,000 | $922,000 |
| Cash-out Refinancing | 87 | $15,995,000 | $183,000 | $955,000 | $151,000 | $825,000 |
| Home Improvement | 19 | $3,405,000 | $179,000 | $375,000 | $115,000 | $285,000 |
| Other Purpose | 1 | $155,000 | $155,000 | $155,000 | $393,000 | $393,000 |
| 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 | 997 | $261,045,000 | $261,000 | $2,005,000 | $166,000 | $3,623,000 |
| Not Provided | 317 | $82,835,000 | $261,000 | $1,885,000 | $185,000 | $2,004,000 |
| Hispanic | 265 | $58,375,000 | $220,000 | $1,305,000 | $125,000 | $1,338,000 |
| Asian | 59 | $13,595,000 | $230,000 | $1,145,000 | $191,000 | $557,000 |
| Black or African American | 41 | $10,965,000 | $267,000 | $1,165,000 | $244,000 | $960,000 |
| American Indian or Alaskan Native | 6 | $1,900,000 | $316,000 | $425,000 | $146,000 | $279,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $325,000 | $325,000 | $325,000 | $108,000 | $108,000 |
| 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) | 1,445 | $372,535,000 | $257,000 | $2,005,000 | $179,000 | $3,623,000 |
| FHA-insured (Federal Housing Administration) | 207 | $45,755,000 | $221,000 | $435,000 | $85,000 | $254,000 |
| VA-guaranteed (Veterans Administration) | 50 | $14,470,000 | $289,000 | $765,000 | $104,000 | $290,000 |
| 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 | 1,401 | $354,605,000 | $253,000 | $1,895,000 | $167,000 | $3,623,000 |
| Application Withdrawn By Applicant | 265 | $69,275,000 | $261,000 | $2,005,000 | $162,000 | $1,749,000 |
| Application Denied By Financial Institution | 34 | $8,710,000 | $256,000 | $1,145,000 | $128,000 | $900,000 |
| File Closed For Incompleteness | 2 | $170,000 | $85,000 | $125,000 | $84,000 | $103,000 |
| 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 | 1,668 | $424,050,000 | $254,000 | $2,005,000 | $166,000 | $3,623,000 |
| Credit History | 19 | $4,725,000 | $248,000 | $1,145,000 | $75,000 | $206,000 |
| Other | 5 | $2,375,000 | $475,000 | $1,035,000 | $355,000 | $900,000 |
| Debt-To-Income Ratio | 4 | $650,000 | $162,000 | $275,000 | $77,000 | $156,000 |
| Unverifiable Information | 3 | $415,000 | $138,000 | $175,000 | $70,000 | $120,000 |
| Collateral | 3 | $545,000 | $181,000 | $265,000 | $218,000 | $435,000 |
| Credit Application Incomplete | 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 2022 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.