Applications / Mortgage Analytics / Lenders / Texas / Complex Community Federal Credit Union
Odessa, TX · Credit union · NCUA · $784 million assets · 221 loans in 2025
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221
loans originated, 2025
330
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Complex Community Federal Credit Union made 32% more loans in 2025 and climbed to rank 8 of 196 lenders in Odessa, TX, its home market.
It made 221 loans, up from 168, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market 10%. It grew faster than about three in four of them. The rise only restored its old level: it made 208 loans in 2019 and 219 in 2022.
Odessa, TX is its largest market, and it has lent there since at least 1990. Its share rose from 2.1% to 3.4%; DHI Mortgage Company led. In Midland, TX it ranked 38 of 294 lenders, with 0.5%, up from 0.4%.
Home improvement made up 31.7% of its loans, other purposes 27.6% and refinances 24.0%. Purchases were only 16.7%. Every loan was conventional, and none was higher-priced (a rate well above the average for similar loans); at its peers 2.0% were. Its typical loan was $125,000, against $105,000.
Majority-minority neighborhoods took 77.4% of its loans, against 11.7% at similar lenders, more than at nine in ten of them. That may reflect the make-up of Odessa and Midland, the markets it serves. Borrowers with low and moderate incomes took 24.9%, up from 18.4% and near the middle of its peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Complex Community Federal Credit Union took 330 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 31.7% · Other 27.6% · Refinance 24.0% · Purchase 16.7%
Conventional 100.0% · of 221 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 221 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Odessa | 148 |
| Midland | 30 |
| Lubbock | 1 |
| San Angelo | 1 |
| San Antonio-New Braunfels | 1 |
| Sherman-Denison | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002DGXCCIY4BGZ41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 154480 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512697 | 1990–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Complex Community Federal Credit Union's data.
Complex Community Federal Credit Union's data
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Complex Community Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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