Complex Community Federal Credit Union Mortgage Rates, Fees & Info
Odessa, TXLEI: 2549002DGXCCIY4BGZ41
Tax ID: 75-1087169
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Mortgage Data
Review & Overview
Complex Community Federal Credit Union is a smaller credit union specializing in Home Improvement and Home Purchase loans. Complex Community Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Odessa, Midland, Andrews, Big Spring, and Houston among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)Complex Community Federal Credit Union has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.14% | 4/5/25 |
| 15 Year Conventional Purchase | 5.98% | 4/5/25 |
| 15 Year Conventional Refi | 6.31% | 4/5/25 |
| 15 Year Cash-out Refi | 6.31% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Complex Community Federal Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
168Origination Dollar Volume (All Markets)
$31,380,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| ODESSA, TX (FHA|USDA|VA) | 103 | $16,575,000 | $160,922 | $0 | 0.00% |
| MIDLAND, TX (FHA|USDA|VA) | 20 | $5,900,000 | $295,000 | $0 | 0.00% |
| Outside of Metro Areas | 13 | $2,675,000 | $205,769 | $0 | 0.00% |
| Andrews, TX (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $0 | 0.00% |
| Big Spring, TX (FHA|USDA|VA) | 10 | $830,000 | $83,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 0.00% |
| SAN ANGELO, TX (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 0.00% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Pecos, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
| Beeville, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 168 | $31,380,000 | $186,786 | $0 | 0.00% |
For 2024, Complex Community Federal Credit Union's most frequently originated type of loan was Conventional, with 168 originations.
Loan Reason
For 2024, Complex Community Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 76 originations. The 2nd most popular reason was Home Purchase, with 47 originations.
Loan Duration/Length
For 2024, Complex Community Federal Credit Union's most frequently cited loan duration was 15 Year, with 69 originations. The 2nd most popular length was 20 Year, with 57 originations.
Loan Sizing
2024 saw Complex Community Federal Credit Union place emphasis on $100,000 or less loans with 60 originations, totaling $3,650,000 in origination value.
Applicant Income
Complex Community Federal Credit Union lent most frequently to those with incomes in the $100k-150k range, with 45 originations. The second most popular income band? $150k-250k, with 41 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 168 | $31,380,000 | $186,786 | $0 | 0.00% |
Complex Community Federal Credit Union lent most frequently to those with DTI ratios of Exempt%, with 168 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 164 | $30,370,000 | $185,183 | $0 | 0.00% |
| Black | 4 | $1,010,000 | $252,500 | $0 | 0.00% |
Approval Rates
Total approvals of all applications77.02%
Complex Community Federal Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination92.26%
Complex Community Federal Credit Union has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 168 | $31,380,000 | $186,786 |