Lubbock County
Texas · FIPS 48303
According to CFPB HMDA 2024 application volume among U.S. counties, Lubbock County ranks #242 of 3,210, and #19 of 253 in Texas.
Mortgage lending activity in Lubbock County, Texas based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Lubbock County, Texas saw 11,861 HMDA-reported mortgage applications in 2024. Lenders originated 5,740 of those loans and denied 1,487, producing a denial rate of 12.5% and an approval (origination) rate of 48.4%. The average loan amount was $225,355 at an average note rate of 6.85%, with applicants self-reporting average annual income of $38K. 326 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Lubbock County
In Lubbock County, lead originator Alliance Credit Union funded 11.1% of 5,740 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 29.3% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Lubbock County's 11,861 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Lubbock County's $225,355 average loan (deduped against volume peers).
Lenders active in Lubbock County
Alliance Credit Union funded 640 of the 5,740 loans originated in Lubbock County, 11.1% of the county. 326 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Alliance Credit Union | 640 | 11.1% |
| 2 | Texas Tech Federal Credit Union | 574 | 10.0% |
| 3 | T2 Financial LLC | 466 | 8.1% |
| 4 | United Wholesale Mortgage | 269 | 4.7% |
| 5 | City Bank | 267 | 4.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Lubbock County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Lubbock County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.