Texas Tech Federal Credit Union: 2025 mortgage rates, costs & approvals
How Texas Tech Federal Credit Union priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Texas Tech Federal Credit Union · LEI 549300U2B1ZNGX3H8U54
In 2025, Texas Tech Federal Credit Union originated 1,057 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 14 states — 441st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 5 basis points below the national median. Median conventional loan costs were $5,250, 6% lower than the national median ($5,570).
It denied 0.6% of completed home-purchase applications (all lenders: 8.5%).
How Texas Tech Federal Credit Union priced home-purchase loans
| Purchase loans, 2025 | Texas Tech Federal Credit Union | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.08 pts | +0.13 pts |
| Total loan costs · conventional | $5,250 | $5,570 |
| Total loan costs · FHA | $9,650 | $11,310 |
| Total loan costs · VA | $6,220 | $6,490 |
| Origination charges (all types) | $1,270 | $1,860 |
| Borrowers paying discount points | 42.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.58% | 0.87% |
| Borrowers receiving lender credits | 51.7% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Where Texas Tech Federal Credit Union lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,036 | 1,050 | 0.6% | 6.500% | $5,260 |
| Oklahoma | 4 | 4 | — | — | — |
| New Mexico | 3 | 3 | — | — | — |
| Arkansas | 2 | 2 | — | — | — |
| Colorado | 2 | 2 | — | — | — |
| Georgia | 2 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Florida | 1 | 1 | — | — | — |
| Illinois | 1 | 1 | — | — | — |
| Louisiana | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| Missouri | 1 | 1 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| Nebraska | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Texas Tech Federal Credit Union's page for that state.
Counties where Texas Tech Federal Credit Union is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Floyd County, TX | 1 | 3 | 15.0% |
| Motley County, TX | 6 | 1 | 14.3% |
| Garza County, TX | 1 | 2 | 12.5% |
| Lubbock County, TX | 1 | 537 | 12.3% |
| Oldham County, TX | 3 | 2 | 11.1% |
| Randall County, TX | 3 | 173 | 7.1% |
| Armstrong County, TX | 6 | 2 | 6.9% |
| Crosby County, TX | 7 | 2 | 6.5% |
| Lamb County, TX | 4 | 5 | 6.4% |
| Donley County, TX | 7 | 2 | 5.9% |
| Hale County, TX | 6 | 10 | 5.1% |
| Hockley County, TX | 5 | 10 | 5.1% |
| Terry County, TX | 11 | 3 | 4.4% |
| Ward County, TX | 6 | 4 | 4.2% |
| Potter County, TX | 8 | 39 | 4.1% |
Check Texas Tech Federal Credit Union yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300U2B1ZNGX3H8U54.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Texas Tech Federal Credit Union with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology