Question 1

What kind of commercial property actually trades in Lubbock?

Accepted Answer

Medical office and healthcare-adjacent space is the clearest demand story we can point to. The local economic development alliance reports that UMC Health System alone employs more than 4,600 people, that Covenant Health runs over 1,100 beds with 600-plus physicians, and that healthcare is close to 17% of the city's total employment, drawing patients from across West Texas and eastern New Mexico for a regional population it puts near 2 million. That is the demand base under clinic, medical office, and senior-care assets here. We do not have published Lubbock vacancy or cap-rate figures to back up a broader claim about what trades, so we are not making one.

Question 2

Are there Lubbock-specific vacancy or cap rate numbers behind your bridge underwriting?

Accepted Answer

No, and we would rather tell you that than fake it. The national brokerages that publish office, industrial, retail, and multifamily vacancy, absorption, and cap-rate data for Dallas, Houston, and Austin do not cover Lubbock at the same level, and no citable Lubbock CRE market statistics turned up in our research. That means underwriting a Lubbock CRE bridge leans harder on the property-level appraisal and a real look at the tenant or business plan, not a market report. Ask us what we would need to see on your specific asset.

Question 3

Texas forecloses on a first-Tuesday courthouse calendar. Why does that argue for a bridge?

Accepted Answer

Speed on a deal a bank's timeline cannot match. A partner buyout, a lease-up, or a repositioning play often has a closing date that is fixed by the seller or the tenant, not by the buyer's financing. Texas's foreclosure process is also faster than most states, non-judicial and running on a fixed first-Tuesday-of-the-month courthouse schedule, which shapes how we and every other Texas lender price commercial risk statewide. We move on the timeline the deal needs and refinance you into permanent debt once the asset is stabilized.

Question 4

What will title insurance cost on a Lubbock CRE bridge closing?

Accepted Answer

The same as anywhere else in Texas, because the state sets the rate. Texas is one of the few states where the Insurance Commissioner promulgates title insurance premiums, so the owner's policy premium is identical at every title company for a given policy amount. Effective March 1, 2026, that promulgated rate dropped 6.2%, the first change since 2019. Above $100,000 the premium runs by formula: a $268,500 policy prices to $1,612 under TDI's own worked example. You will not save money shopping title companies on the premium itself, only on service and closing fees.

Question 5

Does Lubbock's employer base support commercial lending beyond healthcare?

Accepted Answer

There is real diversity, though we cannot put numbers on it yet. Beyond the hospital systems, the local economic development alliance names X-FAB (semiconductors), Leprino Foods (a mozzarella processing plant), Tyler Technologies, and SIMFLO as employers in the metro, alongside a cotton and agribusiness base it calls one of the largest contiguous cotton-growing regions in the world. No employment counts were published for those individual firms, so we are not going to guess at headcounts or space needs. Talk to us about the specific asset and tenant.

Question 6

With no published Lubbock vacancy or cap-rate data, how much equity do you want in?

Accepted Answer

Roughly a quarter of value, because we lend up to 75% LTV. On a $2,000,000 Lubbock asset, that is up to $1,500,000 from us and $500,000 of equity from you (2,000,000 x 75% = 1,500,000), interest-only, on a term of up to 24 to 36 months, and it works the same way on a cash-out as on a purchase. Because there are no published Lubbock vacancy or cap-rate figures to lean on, the appraisal and the tenant do more of the work here than a market report would. Subject to underwriting.

Question 7

Does my credit score decide a Lubbock commercial bridge loan?

Accepted Answer

No. There is no minimum score on this loan. We run credit, but a bridge is underwritten on the property and the equity, and credit carries far less weight than it would at a bank. Weaker credit is usually handled with lower leverage rather than a decline. There is no hard pull to start the conversation, so send us the Lubbock asset and the business plan first. Subject to underwriting.

CRE Bridge in Lubbock

How it works

Run your CRE Bridge numbers.

CRE Bridge in Lubbock, answered.

More CRE Bridge questions, answered on the program page

Guides for CRE Bridge

CRE Bridge vs. other options

Other programs in Lubbock

Funding Lubbock deals fast.