Applications / Mortgage Analytics / Lenders / Texas / MTCU / Competition
MTCU
Midland, TX · Credit union · NCUA · $135 million assets · 55 loans in 2025
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55
loans originated, 2025
60
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who MTCU competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — MIDLAND, TX, 2025
MTCU ranks 35th of 294 lenders in Midland, TX, with $8.5M lent: 0.6% of a $1.51B market.
Midland, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and MTCU in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ODESSA, TX, 2025
MTCU ranks 98th of 196 lenders in Odessa, TX, with $720K lent: 0.1% of a $783.5M market.
Odessa, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and MTCU in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 50% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO TEXAS, 2025
MTCU ranks 799th of 831 lenders in non-metro Texas, with $125K lent: 0.0% of a $10.46B market.
non-metro Texas is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and MTCU in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 27% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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MTCU 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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