Texas Tech Federal Credit Union mortgage approval rate & lending review
Texas Tech Federal Credit Union decided 2,984 mortgage applications and funded 2,923 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texas Tech Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texas Tech Federal Credit Union at a glance
Approval is 12.1 points above the 86.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 2,419 / 2,439 | 100% | $225K | 2,410 |
| Cash-out refinance | 85% | 76 / 89 | 99% | $175K | 75 |
| Refinance | 95% | 125 / 132 | 99% | $185K | 124 |
| Investment property purchase | 99% | 275 / 277 | 99% | $145K | 271 |
| Investment refinance | 96% | 24 / 25 | 100% | $95K | 24 |
Texas Tech Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $225K | 2,956 | 2,895 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Texas Tech Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lubbock County, TX | Mortgage lenders | 99% | 1,545 | 1,528 |
| Randall County, TX | Mortgage lenders | 100% | 354 | 349 |
| Lubbock County, TX | Investment property purchase | 99% | 213 | 207 |
| Midland County, TX | Mortgage lenders | 99% | 132 | 131 |
| Potter County, TX | Mortgage lenders | 98% | 106 | 103 |
| Lubbock County, TX | Refinance | 96% | 99 | 94 |
| Lubbock County, TX | Cash-out refinance | 85% | 62 | 52 |
| Ector County, TX | Mortgage lenders | 97% | 33 | 32 |
| Randall County, TX | Investment property purchase | 100% | 28 | 28 |
The county markets where Texas Tech Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Texas Tech Federal Credit Union
What is Texas Tech Federal Credit Union's mortgage approval rate?
Texas Tech Federal Credit Union approved 98.5% of the 2,984 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.1 points above the 86.3% national rate for the same mix of loan types.
How often do borrowers take the loan Texas Tech Federal Credit Union offers?
Borrowers accepted 99% of the loans Texas Tech Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Texas Tech Federal Credit Union make?
The typical home purchase mortgage loan Texas Tech Federal Credit Union made was $225K; across all loan types its typical loan ran from $95K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texas Tech Federal Credit Union lend?
Texas Tech Federal Credit Union decided applications in 21 of the states Fat Boy Data covers, most of them in Texas, Alabama and Florida.
Can I apply to Texas Tech Federal Credit Union directly?
Yes. Texas Tech Federal Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Texas Tech Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Texas Tech Federal Credit Union treats applications, then get a rate quote from the lender.