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refinance lenders · HMDA 2023–2025

Refinance lenders in Lubbock County, Texas

Fat Boy Data analyzed mortgage refinance activity in Lubbock County, Texas to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,414 applications were decided by 146 lenders between 2023 and 2025.

Lubbock County at a glance

146Active lenders18 with 20+ decisions
74.5%Market approval rate1,054 of 1,414 decided
$265KTypical loanmedian lender, $10K brackets
91%Borrower take-up954 loans funded

How Lubbock County compares

Approval rate compared
Lubbock County74.5%Texas70.9%All 616 counties76.5%
Typical loan compared
Lubbock County$265KTexas$335KAll 616 counties$295K

What the data shows

Texas Tech Federal Credit Union made the most mortgage refinances in Lubbock County, TX, 94 of them.

Alliance Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 37.

The typical mortgage refinance here is $265K, 21% smaller than the Texas typical of $335K.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%One lender: 29% approved of 31One lender: 38% approved of 48One lender: 51% approved of 37One lender: 55% approved of 42One lender: 58% approved of 36Rocket Mortgage, LLC: 70% approved of 116United Wholesale Mortgage, LLC: 83% approved of 106One lender: 85% approved of 20One lender: 89% approved of 46Pennymac Loan Services, LLC: 90% approved of 52One lender: 91% approved of 34Freedom Mortgage Corporation: 93% approved of 119Texas Tech Federal Credit Union: 96% approved of 99One lender: 96% approved of 28One lender: 97% approved of 30One lender: 100% approved of 37One lender: 100% approved of 21One lender: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Lubbock County

LenderApprovalApprovedTaken upTypical loanLoans made
1Freedom Mortgage Corporation93%111 / 11972%$265K80
2Rocket Mortgage, LLC70%81 / 11695%$205K77
3United Wholesale Mortgage, LLCBroker only83%88 / 10697%$285K85
4Texas Tech Federal Credit Union96%95 / 9999%$185K94
5Pennymac Loan Services, LLC90%47 / 5294%$285K44

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 141 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Lubbock County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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