Mortgage lending in Lubbock, TX

6,775 mortgages were originated in the Lubbock, TX area in 2025, and here is what they cost.

Loans originated

6,775

Median rate

6.500%

Median lender fees

$6,160

Median loan amount

$205,000

Median spread over APOR

0.237

Paid discount points

35.3%

Received lender credits

24.1%

Purchases / refinances

74.9% / 19.4%

Conventional / FHA / VA

66.4% / 24.7% / 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 70.1% of loans here — see methodology.

Who lent here

Lenders with at least 50 loans in the Lubbock, TX area, ranked by volume.