Complex Community Federal Credit Union in Texas vs the state
21.8%Denial rate+2.39 pts vs state
22.6%Decision denial rate-2.33 pts vs state
67.0%Origination rate+12.09 pts vs state
—Median rate
0.41Rate spread (pts)+0.22 pts vs state
$114kMedian applicant income
221Loans originated
72Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 264 | 178 | 18.9% | — | #342 |
| 2024 | 235 | 168 | 23.0% | — | #371 |
| 2025 | 330 | 221 | 21.8% | — | #325 |
What Complex Community Federal Credit Union lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Complex Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ector County | 198 | 148 | 33 | 16.7% |
| Midland County | 48 | 28 | 13 | 27.1% |
| Ward County | 20 | 10 | 4 | 20.0% |
| Howard County | 15 | 10 | 3 | 20.0% |
| Andrews County | 13 | 5 | 5 | 38.5% |
| Gaines County | 4 | 4 | 0 | 0.0% |
| Lubbock County | 4 | 1 | 3 | 75.0% |
| Martin County | 4 | 2 | 2 | 50.0% |
| Crane County | 3 | 2 | 1 | 33.3% |
| Reeves County | 2 | 0 | 2 | 100.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 330 applications in 2025, of which 221 were originated and 72 denied.
21.8% of all applications, or 22.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Complex Community Federal Credit Union's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology