Mortgage lending in Lubbock County
6,275 mortgages were originated in Lubbock County, Texas, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,275
- Median rate
- 6.500%
- Median lender fees
- $6,136
- Median loan amount
- $205,000
- Median spread over APOR
- 0.215
- Paid discount points
- 34.9%
- Received lender credits
- 23.8%
- Purchases / refinances
- 75.3% / 19.2%
- Conventional / FHA / VA
- 66.6% / 24.8% / 8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 69.8% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Lubbock County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| ALLIANCE CREDIT UNION | 640 | $3,714 | 6.375% |
| Texas Tech Federal Credit Union | 632 | $5,766 | 6.375% |
| T2 FINANCIAL LLC | 567 | $8,129 | 6.250% |
| Rocket Mortgage, LLC | 264 | $6,223 | 6.875% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 242 | $5,183 | 6.375% |
| City Bank | 240 | $5,310 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 239 | $6,690 | 6.374% |
| DHI MORTGAGE COMPANY, LTD. | 217 | $7,184 | 4.500% |
| Amarillo National Bank | 215 | $4,330 | 7.500% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 188 | $7,463 | 6.750% |
What lenders charged here
Lender fees on a $205,000 loan, based on what was actually charged in Lubbock County — not a rule of thumb.
From 4,379 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers