Clark County Credit Union Mortgage Rates, Fees & Info

LAS VEGAS, NV

LEI: 5493002HQBP2ODIIFH94

Tax ID: 88-0065951

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Clark County Credit Union is a smaller credit union specializing in Refi and Cash Out Refi loans. Clark County Credit Union has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top (well, only) market is Las Vegas.

    Clark County Credit Union has an above average approval rate when compared to the average across all lenders. They have a below 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/2/24
    30 Year Conventional Purchase 5.76% 12/2/24
    30 Year Conventional Refi 6.47% 12/2/24
    30 Year Cash-out Refi 6.52% 12/2/24
    30 Year FHA Purchase 7.12% 12/2/24
    30 Year VA Purchase 6.16% 12/2/24
    15 Year Conventional Purchase 7.45% 12/2/24
    15 Year Conventional Refi 6.48% 12/2/24
    15 Year Cash-out Refi 6.48% 12/2/24
    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.

    Clark County Credit Union Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Clark County Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    185

    Origination Dollar Volume (All Markets)

    $46,835,000

    Top 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
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 185 $46,835,000 $253,162 $4,226 3.44%
    Clark County Credit Union's top markets include and Las Vegas among others.

    Their top states include:
  • Nevada (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against CLARK COUNTY CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SILVER STATE SCHOOLS SERVICE COMPANY, LLC
    Similarity Rank: 1056
    WESTCOAST MORTGAGE GROUP AND REALTY COMPANY
    Similarity Rank: 1290
    SNAPFI, INC.
    Similarity Rank: 1435
    Bank Iowa
    Similarity Rank: 1998
    ONE NEVADA CREDIT UNION
    Similarity Rank: 2178
    Constant Investments, Inc.
    Similarity Rank: 3224
    Credit Union 1
    Similarity Rank: 3629
    SIMPLIFI MORTGAGE, LLC
    Similarity Rank: 3636
    PINNACLE LENDING GROUP, INC.
    Similarity Rank: 3692
    Cathay Bank
    Similarity Rank: 3876

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 174 $44,000,000 $252,874 $3,824 3.46%
    VA 6 $1,770,000 $295,000 $13,854 3.02%
    FHA 5 $1,065,000 $213,000 $6,664 3.33%

    For 2020, Clark County Credit Union's most frequently originated type of loan was Conventional, with 174 originations. Their 2nd most popular type was VA, with 6 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 103 $26,465,000 $256,942 $3,659 3.18%
    Cash Out Refi 66 $16,550,000 $250,758 $4,831 3.75%
    Home Purchase 16 $3,820,000 $238,750 $5,375 3.82%

    For 2020, Clark County Credit Union's most frequently cited loan purpose was Refi, with 103 originations. The 2nd most popular reason was Cash Out Refi, with 66 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 185 $46,835,000 $253,162 $4,226 3.44%

    For 2020, Clark County Credit Union's most frequently cited loan duration was Other, with 185 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 117 $28,155,000 $240,641
    $2k-3k 27 $6,685,000 $247,593
    $5k+ 14 $5,750,000 $410,714
    $4k-5k 12 $3,460,000 $288,333
    $3k-4k 8 $2,270,000 $283,750
    $<1k 7 $515,000 $73,571

    Clark County Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 117 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 109 $29,385,000 $269,587
    2.5-3% 43 $10,995,000 $255,698
    <2.5% 13 $3,315,000 $255,000
    4-5% 10 $2,130,000 $213,000
    5-6% 6 $530,000 $88,333
    6-7% 3 $455,000 $151,667
    7-8% 1 $25,000 $25,000

    During 2020, Clark County Credit Union's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 109 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 108 $30,350,000 $281,019 $4,445 3.35%
    $100k-200k 49 $7,655,000 $156,224 $3,302 3.41%
    $400k-600k 14 $6,330,000 $452,143 $5,169 3.13%
    $100,000 or less 11 $595,000 $54,091 $2,262 4.89%
    $600k-1MM 3 $1,905,000 $635,000 $14,220 3.18%

    2020 saw Clark County Credit Union place emphasis on $200k-400k loans with 108 originations, totaling $30,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 55 $14,655,000 $266,455 $4,367 3.47%
    $75k-100k 41 $9,875,000 $240,854 $4,473 3.54%
    $150k-250k 30 $9,050,000 $301,667 $4,119 3.54%
    $50k-75k 30 $6,130,000 $204,333 $3,459 3.36%
    $50k or less 18 $3,380,000 $187,778 $4,550 3.29%
    $250k+ 10 $3,400,000 $340,000 $4,599 3.13%

    Clark County Credit Union lent most frequently to those with incomes in the $100k-150k range, with 55 originations. The second most popular income band? $75k-100k, with 41 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 185 $46,835,000 $253,162 $4,226 3.44%

    Clark County Credit Union lent most frequently to those with DTI ratios of Exempt%, with 185 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 132 $33,840,000 $256,364 $4,434 3.47%
    Not provided 23 $5,525,000 $240,217 $4,078 3.47%
    Asian 16 $4,330,000 $270,625 $3,577 3.26%
    Black 11 $2,445,000 $222,273 $3,234 3.45%
    Filipino 2 $480,000 $240,000 $2,954 2.38%
    American Indian 1 $215,000 $215,000 $3,970 3.25%

    Approval Rates

    Total approvals of all applications
    95.04%

    Clark County Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    47.57%

    Clark County Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 185 $46,835,000 $253,162

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 185 $46,835,000 $253,162