Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Lubbock County, Texas
Every institution that decided a 1–4 unit mortgage application in Lubbock County between 2023 and 2025: 21,133 applications, 16,800 loans actually funded, across 8 kinds of borrowing.
Lubbock County at a glance
21,133Applications decided
2023–2025
16,800Loans funded
79% of decisions
106Census tracts
19 ZIP codes
314,633People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Home improvement loans is the hardest money to get here: lenders approved 39% of 591 applications.
Lending by loan type in Lubbock County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.7% | 13,609 | $225K | 96% | 397 |
| Home improvement loans | 39.3% | 591 | $65K | 94% | 66 |
| Cash-out refinance | 68.2% | 1,545 | $155K | 95% | 125 |
| Refinance | 74.5% | 1,414 | $265K | 91% | 146 |
| Investment property purchase | 94.2% | 3,042 | $145K | 97% | 272 |
| Investment cash-out refinance | 79.3% | 415 | $135K | 93% | 96 |
| Investment refinance | 81.6% | 430 | $125K | 92% | 91 |
| Investment home improvement | 77.0% | 87 | $65K | 96% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.