Texas Tech Federal Credit Union in Texas vs the state
1.0%Denial rate-18.39 pts vs state
1.3%Decision denial rate-23.63 pts vs state
81.0%Origination rate+26.08 pts vs state
6.38%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.03 pts vs state
$120kMedian applicant income
1,242Loans originated
16Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,376 | 1,060 | 1.9% | 6.63% | #120 |
| 2024 | 1,081 | 901 | 0.8% | 6.63% | #158 |
| 2025 | 1,534 | 1,242 | 1.0% | 6.38% | #129 |
What Texas Tech Federal Credit Union lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Texas Tech Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lubbock County | 758 | 632 | 5 | 0.7% |
| Randall County | 249 | 197 | 0 | 0.0% |
| Midland County | 161 | 137 | 1 | 0.6% |
| Potter County | 73 | 42 | 6 | 8.2% |
| Ector County | 42 | 35 | 0 | 0.0% |
| Hale County | 14 | 11 | 0 | 0.0% |
| Hockley County | 14 | 10 | 0 | 0.0% |
| Travis County | 13 | 13 | 0 | 0.0% |
| Denton County | 12 | 11 | 0 | 0.0% |
| Taylor County | 11 | 8 | 1 | 9.1% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,534 applications in 2025, of which 1,242 were originated and 16 denied.
1.0% of all applications, or 1.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Texas Tech Federal Credit Union originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Texas Tech Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology