Mortgage lending in Lubbock, TX
6,775 mortgages were originated in the Lubbock, TX area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,775
- Median rate
- 6.500%
- Median lender fees
- $6,160
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $205,000
- Above the going rate (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.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Alliance Credit Union | 679 | $3,681 | 6.375% |
| Texas Tech Federal Credit Union | 648 | $5,799 | 6.375% |
| T2 Financial LLC | 581 | $8,109 | 6.250% |
| Rocket Mortgage, LLC | 286 | $6,223 | 6.875% |
| City Bank | 262 | $5,291 | 6.750% |
| Ark-La-Tex Financial Services, LLC. | 255 | $5,236 | 6.375% |
| United Shore Financial Services, LLC | 253 | $6,573 | 6.375% |
| Amarillo National Bank | 236 | $4,350 | 7.500% |
| DHI Mortgage Company, Ltd. | 217 | $7,184 | 4.500% |
| Cardinal Financial Company, Limited Partnership | 214 | $7,432 | 6.875% |