Clark County Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
20th34.1% deniedPricingmedian rate spread over APOR, weight 30%
6th1.13 ptsProcesswithdrawn + incomplete share, weight 15%
8th23.0%Closing coststotal loan costs ÷ loan amount, weight 10%
30th3.96% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,220 | 706 | 25.9% | 30.9% | 8.75% | $80M |
| 2024 | 1,302 | 591 | 28.6% | 38.0% | 9.00% | $83M |
| 2025 | 1,484 | 749 | 26.3% | 34.1% | 7.75% | $143M |
What Clark County Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 1,087 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 112 investment properties.
Why Clark County Credit Union denies applications
Primary reason reported for each of the 390 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Clark County Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 90 | 28 | 65.0% |
| $50k – $100k | 431 | 186 | 42.8% |
| $100k – $150k | 403 | 208 | 29.8% |
| $150k – $250k | 372 | 221 | 25.6% |
| Over $250k | 186 | 106 | 22.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 174 | 75 | 40.5% |
| 35–44 | 339 | 154 | 41.7% |
| 45–54 | 380 | 208 | 31.5% |
| 55–64 | 323 | 178 | 29.1% |
| 65–74 | 173 | 93 | 27.1% |
| Over 74 | 77 | 31 | 41.5% |
Where Clark County Credit Union lends
11 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Nevada | 1,469 | 749 | 25.7% | 7.75% | #20 |
Frequently asked questions
Clark County Credit Union denied 34.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of home-equity (HELOC) lenders.
The most common reason Clark County Credit Union gave in 2025 was "debt-to-income ratio", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Clark County Credit Union originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 1.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 15% of its applications were for home purchases, 12% for refinancing (including cash-out), and 73% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.